FIFTH THIRD FINANCIAL CORPORATION

2017-07-22

Louisville, KY

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response

2017-07-22

Hamilton, OH

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2017-07-21

Fishers, IN

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-21

Bannockburn, IL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2017-07-21

OH

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: I called Fifth Third to inquire about refinancing my home as my husband was unemployed and we needed to get out the adjustable rate loan we were currently in. They suggested programs that were n't right for us ( HAMP ) and did n't offer the ones that have been a solution for our situation ( HARP ). I called XXXX XXXX and was informed that we were in fact eligible for HARP! I have asked several times for a manager to call me and explain why HARP was never offered. No one has called me. I have since called into Fifth Third on numerous occasions and asked for the HARP department. I was told they did n't have a HARP department. See the trailing documentation on my journey with Fifth Third : XX/XX/XXXX Called the REFINANCE GROUP and spoke to XXXX ( XXXX ). Explained that my husband had lost his job and that I was interested in refinancing in an attempt to reduce our payments and correct the ADJUSTABLE RATE MORTGAGE that we have had since XXXX*. He looked into my accountand stated that a refinance would cause our payments to increase. He suggested calling the MODIFICATION DEPARTMENT. XX/XX/XXXX Called the MODIFICATION DEPARTMENT and spoke to XXXX. I explained my situation in detail and he said that there was a program that we may be eligible for and I needed to fill out an application. XX/XX/XXXXCompleted appliation and faxed to XXXX with a Letter of Hardship. XX/XX/XXXX thru XX/XX/XXXX Worked with XXXX XXXX : HOMEOWNERS ASSISTANCE CUSTOMER CARE SPECIALIST on all the required information needed for the loan application. XX/XX/XXXX ( Monday ) Finally, XXXX XXXX XXXX RETENTION SPECIALIST, called stating that he needs current check stubs for my husband. XX/XX/XXXX I emailed my husbands check stubs to XXXX XXXX. XX/XX/XXXXI emailed XXXX XXXX asking for status updateXX/XX/XXXX XXXX XXXX replied that a decision has been rendered and I would receive it in the mail and if I had questions or concerns that I could contact my single point of contact, XXXX. XX/XX/XXXX I emailed XXXX XXXX asking for more information regarding the decision and to email me a copy of the letter. He did not respond. XX/XX/XXXX XXXX stated that I should apply again. I called XXXX and requested that I do NOT want to work with XXXX XXXX again. She stated that unfortunately it is whomevers turn it is when my application comes in. She emailed me the application again which included the FHA HAMP RET HARDSHIP Affidavit. XX/XX/XXXX Emailed my paperwork in to the XXXX -- - AGAIN. XX/XX/XXXX I emailed XXXX as I did not receive confirmation that my application was received. XX/XX/XXXX XXXX responded asking me to call her so she can provide an update. XX/XX/XXXX I emailed my application, hardship letter and other documents that I had sent in XXXX. XX/XX/XXXX I emailed XXXX as a Fifth Third representative came to my house and asked my husband to verify his name and our address and I was terrified that because we were 2 payments behind, we were going into foreclosure. XX/XX/XXXX XXXX XXXX emailed me tp say he received my application. XX/XX/XXXX XXXX XXXX called and stated that we " could '' be approved for a modification loan with a 4.25 % interest rate which would increase our monthly payments at least by {$500.00}. The interest rate we have now is better 3.29 %. I told XXXX I thought the point of a modification loan was to help homeowners who were struggling due to hardship. We want to keep our home but fix the ARM to a fixed and pay on the principle. He got frustrated with me and told me that if I wanted, I could call XXXX XXXX as they were the originators of my loan. XX/XX/XXXX I got online and researched XXXX XXXX and the loan programs that were available. HARP is the one that would have been perfect for us and our situation. XX/XX/XXXX I called XXXX XXXX and spoke with XXXX. He stayed on the phone with me for well over an hour answering all of my questions. XX/XX/XXXX I called XXXX explaining my frustration at this whole situation. I was elgibile for HARP in XXXX until I missed 2 mortgage payments and yet it was NEVER offered or even mentioned to me. I have been trying to get assisance for 5 months and I have explained my situation over and over about needing lower payments and to get out of the ARM. HARP would have been perfect for us. I explained to XXXX that I felt XXXX XXXX did n't have my best interest in mind. I asked to speak to XXXX 'XXXX manager and XXXX said that she would contact them and ask them to call me. XX/XX/XXXX XXXX XXXX as I have not received a call from XXXX 's manager. XX/XX/XXXX XXXX XXXX as I STILL have not received a call fromXXXX XXXX manager. I asked for a name and number to the director /manager of the modification loan department and that information was not given to me. XX/XX/XXXX Filed complaints with the Ohio Attorney Generals Office, The Better Business Bureau and 2 local newscasters. XX/XX/XXXX to PRESENT - Continuing to work with XXXX XXXX : Director of Consumer Advocacy Consumer Protection Section Ohio Attorney General XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-21

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: bought house for XXXX fifth third bank bought loan in 2013 and with out any contact with me lowered value of home to XXXX but still had me paying higher payment for about ten months still wont change problem but keep telling me they will look into it
Company Response: Closed with explanation

Timely Response

2017-07-21

Chicago, IL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-07-20

Oregon, OH

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2017-07-20

Palos Park, IL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2017-07-20

San Diego, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.
Company Response: Closed with monetary relief

Timely Response

2017-07-19

TN

Other features, terms, or problems

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

Problem with cash advances
Complaint: I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.
Company Response: Closed with monetary relief

Timely Response

2017-07-19

Plymouth, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.
Company Response: Closed with explanation

Timely Response

2017-07-18

Oak Lawn, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-18

Cleveland, OH

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2017-07-18

Atlanta, GA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with monetary relief

Timely Response

2017-07-18

Plymouth, FL

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: Fifth Third Bank offered me a balance transfer offer that included a 3 % balance transfer fee and 12 months of 0 % APR. I was given a check to use to take advantage of the balance transfer offer. The check expired XXXX XXXX , 2017. I issued the check to another creditor to resolve a balance before the check expiration date. Fifth Third Bank claims the check was processed by the other creditor after XXXX XXXX , 2017. They did not offer me the balance transfer offer and ultimately charged me a 4 % balance transfer fee and standard 19 % interest charges on the balance transferred to my account, resulting in {$250.00} in interest. I have a credit score of over XXXX and earn enough to pay off the entire balance. I would n't have taken their offer if the marketing was clear and I knew they would make every attempt to postpone the processing of their balance transfer offer check.
Company Response: Closed with monetary relief

Timely Response

2017-07-17

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Fifth Third Bank is the servicer on my mortgage and responsible for paying all property taxes on the property pursuant to the escrow agreement. Since XXXX of 2014, they have failed to pay a portion of the property tax. That outstanding portion sat on my account unpaid and collecting interest. I only found out about this when I was in the processing of re-financing the loan and the outstanding amount was discovered. I have asked Fifth Third to reimburse me the amount of interest that unpaid portion of the property tax and they have yet to respond. I fully expect the interest charges on that amount to be reimbursed and feel a fine should be in order. If I had n't refinanced and caught this omission of duties on their part, I 'd be looking at a huge property tax bill some 26 years down the line when I finally manage to pay off my mortgage. This is completely unacceptable.
Company Response: Closed with explanation

Timely Response

2017-07-17

Joliet, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2017-07-17

Kyana, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender has failed to respond to our QWR and Notice of error request sent on XXXX / XXXX /2017 and are proceeding to sale set for XXXX / XXXX /2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Company Response: Closed with explanation

Timely Response

2017-07-14

OH

Opening an account

Checking or savings account: Other banking product or service

Confusing or missing disclosures
Complaint: Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change. <P/> Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account. <P/> I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!! <P/> After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.
Company Response: Closed with explanation

Timely Response

2017-07-14

Chicago, IL

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: In association with the following cases : cfpb : XXXX ; XXXX ; Legacy # XXXX, against 53 XXXX, 53 Bank ( subsidiary ), Board of Directors of 53 XXXX, Executive Officers of XXXX, Pay Other People website aka XXXX Online Bill Pay Funds and 53 Bank XXXX XXXX. I made necessary corrections in what was sent to you on XXXX/XXXX/XXXX. I have angst and a loss of confidence. I know about meeting elements in a cause of action. I failed to do so because I am under extreme duress and financial deprivations. Today, XXXX/XXXX/XXXX, I mailed to XXXX XXXX, Office of the President of XXXX Bank, and cfpb the COMPLAINANT 'S REPLY AND EXHIBITS AND MEMORANDUM OF LAW TO THE REPLY, AND THE COMPLAINT XXXX XXXX, XXXX AND EXHIBITS. My postage was {$1.00} more. XXXX {$7.00} and cfpb {$2.00} for $ XXXX $ XXXX {$1.00}. I made the adjustments to the REPLY. I also highlighted three important elements that I was not specific about in previous documents. Thank you for the opportunity to make an amended Reply and Memorandum of Law to the Reply, with changes in the cost. The Complaint XXXX XXXX, XXXX is not on my Flash Drive and I could n't wire it. I did mail a copy and exhibits with the documents mentioned above.
Company Response: Closed with monetary relief

Timely Response

2017-07-13

Dayton, OH

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Company Response: Closed with explanation

Timely Response

2017-07-13

Chattanooga, TN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraf/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00}
Company Response: Closed with monetary relief

Timely Response

2017-07-12

Bainbridge Is, WA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: I claimed Bankruptcy and been paying on Fifth Third Bank auto loan as I was supposed to. On 3 different occasions I called in to make payment and the representative failed to process payment appropriately and it never registered as being paid and this put me behind in the payment. I tried yesterday to make a payment and they informed me that I needed to pay the entire balance and that the vehicle is in repossession. My bankruptcy attorney is communicating with them. They would not let me make a payment. They claimed that there was never an affirmation agreement by the court submitted. My attorney informed me that they would not let her file it because the account was delinquent. The account was delinquent because they failed to process payments on 3 times that I called. I do not get any statements or correspondence from Fifth Third. I ask of a confirmation number and they give me an operator number but no confirmation number. I made my last payment on XX/XX/XXXX 2017 for {$400.00} which brought me to one payment behind. I would be no payments behind if there was n't such confusion. In addition, they kept bouncing me to Fifth Third regular business and Bankruptcy business and this further confused the issue because the two departments do not communicate appropriately. They are demanding full payment and there is no way I can do this right now.
Company Response: Closed with explanation

Timely Response

2017-07-12

Calumet Park, IL

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response