FIFTH THIRD FINANCIAL CORPORATION

2017-08-01

Cincinnati, OH

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-07-31

Wonder Lake, IL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: I attempted to close my account and have the money in my accounts returned to me and 5th 3rd continued to allow me to be charged by accounts they reversed the charges for. I have stated that I do not want the Identity Alert service since XX/XX/XXXX and I have continuously have been charged. I explained that their credit reporting is not close to being accurate and stated that they have violated the Fair Credit Reporting Act. I received a letter stating to call XXXX XXXX and she told me she will look into my claims on XX/XX/XXXX. I followed up the next week she told me that I never had a discussion with her. She later called and admitted she made a mistake. I asked what progress was made in resolving this matter. She indicated that she or 5th 3rd has n't done anything to research my account as promised in a timespan of a entire week. I asked why am I still being charged for the Identity Alert service and she advised me to call the toll free number. I told her that I 've tried that already and I got the run around. I included that in the complaint that generated the letter for me to contact her. I asked which manager I can speak with since she has n't been helpful and she did not answer the question. I asked how long I have to get this matter resolved without further actions taken against me and she told me XX/XX/XXXX. XXXX XXXX has told me only some of our conversations are being recorded and monitored ; which is a FDCPA violation. The conversations that were recorded will be useful to back up my claim.
Company Response: Closed with explanation

Timely Response

2017-07-29

Wesley Chapel, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.
Company Response: Closed with explanation

Timely Response

2017-07-28

Euclid, OH

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.
Company Response: Closed with explanation

Timely Response

2017-07-28

Cincinnati, OH

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2017-07-28

Orland Park, IL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-07-27

Hudson, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2017-07-27

Cleveland, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-07-27

Taft, OH

Getting a credit card

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

Problem getting a working replacement card
Complaint: My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.
Company Response: Closed with explanation

Timely Response

2017-07-27

Chicago, IL

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: A few months ago a charged off account was being reported by XXXX XXXX XXXX XXXX on my consumer credit report aswell as XXXX XXXX.I sent a correspondence to the Collection Agency and the charged off account was removed from my XXXX consumer report. Now the same account has reappeared on my XXXX consumer report this time it 's being reported by Fifth Third Bank XXXX. This is a direct violation of the FCRA and I would appreciate if the Consumer Financial Protection Bureau can look into this matter ASAP.
Company Response: Closed with explanation

Timely Response

2017-07-27

Boulder, CO

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2017-07-26

Ada, MI

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Company Response: Closed with explanation

Timely Response

2017-07-26

Concord, NC

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-07-26

Benton Harbor, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-07-26

Atl, GA

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with monetary relief

Timely Response

2017-07-26

Glenwood, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-07-26

OH

Incorrect information on your report

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

Account information incorrect
Complaint: To whom this may concern, I have requested that Fifth Third Bank remove a charge off account on my credit report for the past two years and they have refused to do so. I have disputed the account as well several times with no luck. I had a secure credit card with Fifth Third Bank, which they are not reporting to the Credit Bureaus, and while I had the secure credit card, XXXX XXXX XXXX of XXXX was unlawfully charging my credit card which made me have a really high balance. XXXX XXXX had a lawsuit against them, which I received a letter for, because they were charging individuals without their permission. I have explained this to Fifth Third Bank at least fifteen times over the past two year and they have done nothing about it. I feel as though I should not be responsible for XXXX XXXX charging my account without my permission and for Fifth Third allowing them to continuously charge my account without calling or sending me notification of the activity that was taking place with my credit card as a safety precaution. If they would have notified me of this activity, I may have been able to stop the charges from happening and avoiding this destroying my credit. At this point, I am requesting again that Fifth Third Bank deletes this information from my credit report as I was not the individual charging the account. Thank you!
Company Response: Closed with explanation

Timely Response

2017-07-26

Jacksonville, FL

Other service problem

Money transfer, virtual currency, or money service: Virtual currency

Company Response: Closed with explanation

Timely Response

2017-07-25

Cary, NC

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2017-07-25

Etna, OH

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2017-07-24

Lutheran Lake, IN

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-07-24

Louisville, KY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2017-07-24

Euclid, OH

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Company Response: Closed with monetary relief

Timely Response

2017-07-24

Cementville, IN

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-07-24

Charlotte, NC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response