FIFTH THIRD FINANCIAL CORPORATION

2017-08-21

Columbus, OH

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-08-18

Westerville, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with monetary relief

Timely Response

2017-08-18

MI

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: During the payment cycle of XX/XX/XXXX and XX/XX/XXXX Fifth Third Bank posted 30 day delinquent updates on my credit report. These payments were only late due to a technical issue on the Fifth Third website. I 've engaged them back in XX/XX/XXXX and recently to resolve this issue but nobody can seem to fix my inability to make a payment online. If the site was functioning properly I never would have been late. This could be confirmed by looking through logs that show I attempted to make a payment before my due date online but was presented with errors. My other Fifth Third credit card allows me to make payments online but this card in question does n't. It feels like this was done by design, due to these issues my credit took a 150-point hit. I 've tried to dispute these entries with the 3 bureaus but nothing ever comes of it since its hard to prove I tried to make a payment on time but due to technical site issues was unable. To be fair the second late entry, I could have visited a branch but expected the technical issue to be fixed. Since this company can report negative information on my credit I expected all avenues to make a payment on time be enabled and functioning. Im asking that the issue be resolved and negative entries removed. I believe this to be a violation of the fair credit reporting act. Next steps are to file a complaint with my attorney generals office and the BBB if this attempt to resolve goes nowhere. Thanks for your time,
Company Response: Closed with non-monetary relief

Timely Response

2017-08-18

Live Oak, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-08-18

Cleveland, OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2017-08-17

Castle Rock, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-08-17

Middletown, CT

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2017-08-16

Orland Park, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2017-08-16

Harsens Is, MI

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Complaint: On XX/XX/XXXX my husband ( XXXX XXXX ) received a phone call from a process server who wanted to schedule a time to deliver documents, they gave him a phone number to call so he could find out what this was about. He included me ( XXXX XXXX ) in on the phone call. The number was ( XXXX ) XXXX. The company was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We spoke with a XXXX XXXX. She explained that they were a legal firm and that they were representing Fifth Third Bank. On a overdraft charge made about 10 years ago and that they had sent us notice on XX/XX/XXXX with an offer of 1/2 off the balance. We never received anything in the mail from them. We requested proof of this debt. She told us that she did not have to give us any and that we would see everything when we went to court. The original debt and all the agencies that have held title on it. Our debt was {$1800.00}. If we went to court we would owe the debt in full and the court cost all due that day. If we had to have his wages garnished it would cost us over {$3000.00}. We decided we would have to call her back. When we got home, we called Fifth Third Bank and all they could tell us was that XXXX XXXX did have an account with them 10 years ago but it was closed and they no longer had anything on file. They told us we should check XXXX XXXX to see if it is on there and that would have tracked the debt. At the time we could not get onto the XXXX XXXX site and were unable to pull the report until 2 weeks later. Since we did n't know what was going on, we decided we would try and pay the debt in full, so we would not have any legal issues. We called XXXX XXXX on XX/XX/XXXX and asked if we could work with them on this. She told us if we could pay within 7 days she could get the balance dropped to {$730.00}. I went ahead and paid it the next day. Giving her a direct transaction from my checking account. I will attach the email and form we signed. Since then, we have received numerous calls from debt collectors trying to collect old debt from my husband from banks he never had accounts at, all of them threatening court. We have also received a XXXX XXXX report and all 3 credit reports and Fifth Third and none of these other banks or balances are showing on any of them. I have recently done a lot more research and now know our consumer financial rights and believe that this company is a fraud and has scammed us out of our money this debt would also have reached it 's status of limitations and they would not have been able to take us to court over it.
Company Response: Closed with explanation

Timely Response

2017-08-16

RI

Struggling to pay mortgage

Mortgage: VA mortgage

Complaint: I have been exploited financially by my mortgage lender, 5/3 Bank, by their predatory lending practices. I am and XXXX XXXX XXXX and was advised by 5/3 Bank to do a military financial hardship package because my residence was damaged during XXXX XXXX. My home was in a declared disaster area and a 5/3 Bank employee ( named XXXX ) encouraged me to do a forbearance plan in order to afford the repairs on my home from the hurricane. She told me that a forbearance plan would allow me skip 3 months of mortgage payment without penalty and would help me get through the devastating financial blow. I did as she suggested and skipped XXXX, XXXX and XXXX 's payments, resuming regular payments in XXXX 2017. I sent several follow up calls and emails to XXXX, but she stopped responding entirely after I had skipped the 3 months of payments. 5/3 Bank has used the skipped payments to justify foreclosure and has been sending documents and my mortgage payments to the SC home, despite knowing that I do not live there. They have illegally presented fake mortgage assistance and disaster relief options and have manipulated this situation to create justification for foreclosure. Additionally, they have used this false pretense to charge me late fees and are claiming I owe over {$10000.00} in missed payments because they have returned my mortgage checks to me. I have been preyed upon by 5/3 Bank because they know I am XXXX XXXX, divorced, supporting my XXXX year old daughter and XXXX mother and was relocated to a state that does not have physical 5/3 locations to dispute their illegal actions. I have also expressed to them that I am undergoing XXXX treatment and am unable to communicate during working hours because of this.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-16

La Grange, KY

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-08-16

OH

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.
Company Response: Closed with monetary relief

Timely Response

2017-08-15

Sylvania Township, OH

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.
Company Response: Closed with explanation

Timely Response

2017-08-15

Green Oaks, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-08-15

Harsens Is, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: Fifth Third Mortgage company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from Fifth Third Mortgage however Fifth Third Mortgage is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Company Response: Closed with explanation

Timely Response

2017-08-15

El Paso, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2017-08-14

Golden Gate, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2017-08-14

Antioch, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-08-14

IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. 5/3rd bank was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XX/XX/XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. XXXX XXXX says verified on XX/XX/XXXX. XXXX says verified on XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-14

Concord, NC

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Complaint: Between XX/XX/XXXX-XX/XX/XXXX, I had 2 cds totalling XXXX i believe was a little more, the reason for waiting this long I assumed the cashiers check i had made thru the 5th 3rd bank branch on XXXX street, XXXX NC was applied to ex-husband mortgage loan. according to a recent credit report, I did borrow money against the cds which show repaid back fully. The check was made out to XXXX or XXXX XXXX and XXXX ( XXXX XXXX XXXX ) I have proof that I had the funds, I have 4 witnesses that will go to court and testify as to seeing the check, and a conversation with the Floor manager and XXXX with his girlfriend and me present. He told XXXX he took the check to the XXXX branch. XXXX reps from California keep saying they never received that check. The check has never been signed, it is lost. First Manager I spoke to was rude, basically saying he could n't do anything. The main branch in XXXX I went through 3-4 people until I was sick of the run around. I even attempted to call the Pres. in XXXX and he in return had the area supv call me. It was like going around in a endless circle. Now that the house is in foreclosure and up for auction, I need the check to relocate.
Company Response: Closed with explanation

Timely Response

2017-08-12

Cleveland, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-08-12

Los Indios, TX

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??
Company Response: Closed with explanation

Timely Response

2017-08-11

Fort Seneca, OH

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-08-11

Lakewood Club, MI

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-08-11

Bridgetown, OH

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response