FIFTH THIRD FINANCIAL CORPORATION

2017-05-16

San Gabriel, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: We are so frustrated with this bank back and force. We bought the car and dealer ship find the offer for the loan. Because we were buying the house so we paid 55 % for down pay and loan for the rest {$17000.00}. I thought it is financed by XXXX , but actually is not, and this bank is not in CA. I have never felt so hard to communicate with them. You calle d 100 tim es you may only can be reached one time, and they will not fix the issue they created, and blame you did not send. The XXXX I spent almo st four months to be proof we have the insurance coverage. And they just kept sending you letter to call, or left you the voice message to call, but never fix the issue. They kept saying they did not receive, and I asked for the address need to request they are not willing to provide and it was not shows on their website. I had to call XXXX , XXXX , XXXX , XXXX , XXXX , all these numbers and been transferred can not count how many times to be fix just the proof of the insurance. They shows the number M-F XXXX - XXXX , SAT XXXX - XXXX EST. Trust me, 90 % M-F their professional customer service office has been closed or have to call another time. And SAT totally no one work. Every time different rep will tell you the different thing, and their online message and mailing letter also make you feel they are not work for the same company since they do not honor what you sent online or mail or called. We were set the auto pay at the beginning, but we just feel no trust for this bank since the insurance case because they have no action to fix the issue, just as the answering machine to mail you the notice, and then over sudden changed my payment from {$320.00} to {$620.00}. Will you be trusted this kind of bank and this kind of service? But this came to us the big issue. We have bought the new house and the bank account was transferred. I sent the notice before that, again they still charged the old XXXX and stated can not be charged. I used almost two months to update the correct account #. Then I started to have log in issue, can not pay online. I kept contacting, first told us they do not take card, even though bank card ; second round told me they only accept the check to be mailed. I do not have checks and I was busy season overtime everyday and also work on the weekends, so I have to order online and wait the check delivered. on XXXX / XXXX / XXXX when I went to lunch and noticed that my car gone. And again they blamed us and said no records. I do not want to argue, just want to get the car bac k ASAP . It was under my mother 's name, but they towed at my work, a private business property and nothing related to my mother. I had my house key ( garage remote ), my company door key, my friend 's garage key, and some personal items in the car such as XXXX XXXX , my XXXX ring, I pod touch. The rep from the bank was threatened me that it will be lost and they are not responsible. I can not sleep every night since the car gone, and I have to break to enter to my house, and any one may have my key to access. My mother is in XXXX , and I will go on XXXX / XXXX / XXXX , too, and we are not back soon. I paid whatever the rep said on XXXX / XXXX / XXXX , and until now I still can not arrange to pick up the car. And after that no more call from them and I kept calling every day but can not get the pick up information. Per law, they have to return my personal property that not belong to the car, and they did not provide me the detail for the charge, only a total amount for the receipt. They left the voice message to me to call XXXX to schedule the pick up. Oh my XXXX , the headache like last year came again, you called XXXX and they said I can not because the loan name was my mother. I said I talked to the bank, and I paid because she is not here, but I was the XXXX to drive, and the insurance shows my name. They just kept saying I need to call bank, and then again the office clos ed. Everyday j ust repeated back and force to call, and they still do not give me any information. I asked my mother to sign the paper for me to authorize I will rep for her, but this mistry bank does give you the number to do. And this morning I called, I was so mad that the rep just told me they NEVER TALK TO ME BEFORE, can you image? You charged to my account, and the receipt for the charge shows my name on the letter, and you said never talk to me before. I just want to get it back ASAP, and I am worried about what they will do for my car and my personal staff. They are rude and only machine repeated professional customer line and I have called since XXXX / XXXX / XXXX and now still can not schedule the pick up. And they have been released and they left the voice message that I can pick up. But now the pick up agent kept saying I have no rights to pick up have to call bank, and bank was telling me we never spoke before. I am like the ball to kick from this number to that number, or this department to other department. And when I agreed to pay the amount they accepted, they told me they do not accept the mailing check because it will not be security, again. I do not know what to do now, and I can not sleep and watch over all my properties that may have the problem. And they are not willing to release to pick up the car. Last year was trying to earn money through the insurance, until I filed the BBB case, finally stopped. This year for what, get the forever storage fee? I need help to get the car bac k ASAP. Please help. I have to take the day off to call them since they are hard to reach, and if pick up I still need to take the day off. I am not bank, I earned every penny by my hard working, and we are not happy for people trying to steal my money. PLEASE HELP.
Company Response: Closed with explanation

Timely Response

2017-05-16

Brentwood, TN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Last week I was contacted by a debt collection agency by the name of XXXX XXXX XXXX , XXXX and told that they had a debt of {$150.00} that I owed Fifth Third Bank. I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I ow ed Fifth Third Bank anything and they told me that the email was all they had. I have been called upwards of 20 times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If Fifth Third contacts me with proof of the debt then I will pay the debt.
Company Response: Closed with monetary relief

Timely Response

2017-05-15

Borculo, MI

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief

Timely Response

2017-05-13

Pryse, KY

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: Long story short ... 5 months to close construction to close loan. Explained via e-mail about the changes in the disclosure from original conversation/agreement. Closed today, XXXX XXXX . They decided shortly after the closing that the disclosure and payout were actually incorrect. The bank and title company want the moneys returned from every one ( title company and builder/seller ) and a new closing. The title company called and told our builder that they would have them arrested if they did not return the money n ow ( today XXXX XXXX XXXX ! ( I have the recording ). In light of this the bank agrees to use another title company but they say no we have to re-visit the loan and the disclosure and sign again. We just want our money back.
Company Response: Closed with monetary relief

Timely Response

2017-05-11

Robards, KY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-11

Wonder Lake, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I have applied a mortgage with fifth third bank as I have account with them and I had experience with them is banking service.when I applied for the loan, I checked with loa n officer whethe r there is any issue with my credit or the subject property. Loan officer ( NMLS XXXX ) said it looks good. They needed to do the appraisal for the property to review underwriting. before underwriting they have received condo questionnnaire from condo association. I was rejected for the loan. One owner owns XXXX or XXXX unit in the building and they found that it is not meeting the XXXX XXXX requirement. Then this loa n officer in formed me that they are applying for an exception. Finally they send me the loan rejection confirmation letter. While I was contcating other lender they asked me about single entity ownership as a first question. Also finally I have received a conventional loan from another bank when they applied for an exception. This loan office did n't check the very basic information and he asked me to pay for {$490.00} for appraisal which I paid. So I have asked for a return of that money to the 53 b ank board nad they refused to pay back. This loan harrasment and {$490.00} payment happened only due to their fault. Also the loan office lied that they are going to apply for exception and he did n't. he confirmed me that when I called to check.
Company Response: Closed with explanation

Timely Response

2017-05-10

Columbus, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-05-10

OH

Problem when making payments

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

Problem during payment process
Complaint: After I received the bill, I call the customer service on XXXX XXXX to pay bill over the phone. I gave the agent my banking account info and he confirmed that that payment will be process immediately and there will be no late fee. A month later I have noticed they reported 30 days late to the credit bureau. I called Fifth Third bank and they said they will investigate but few days later I received a called and they told me I never gave them the banking info during my call. I have made notes as I made the payment over the phone on a check.
Company Response: Closed with explanation

Timely Response

2017-05-09

Lansing, MI

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2017-05-09

Englewood, FL

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

2017-05-09

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-05-08

Wesley Chapel, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-08

Taft, OH

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
Complaint: My computer was hacked by a company called XXXX XXXX XXXX , by a man named XXXX XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } ( one tr ansfer for {$2000.00} and a second transfer for {$5000.00} ) into my checking account and then stole it. I filed a complain with the Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI Internet Crime Complaint Center ( IC3 ), but have not heard anything back from them yet.
Company Response: Closed with explanation

Timely Response

2017-05-08

Okemos, MI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-06

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

2017-05-06

Fort Mill, SC

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Company Response: Closed with explanation

Timely Response

2017-05-05

Fort Seneca, OH

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-05-05

Camby, IN

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-05-04

Reidsville, NC

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I opened an account with 5/3 bank on XXXX XXXX to take advantage of a {$200.00} promotion they were having. I did all of the requirements to receive the bonus but never got it. I m ade four phone calls to four repres entatives and they simply transferred me around without actually putting a note on my account to receive the bonus even though they acknowledged that I have met all of the criteria.
Company Response: Closed with monetary relief

Timely Response

2017-05-04

Tarpon Spgs, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2017-05-04

Syringa, VA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: Car purchases XX/XX/XXXX Loan thru Fifth T hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid XXXX XXXX , XXXX - car was totaled Around the end of XXXX or XXXX XXXX - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on XXXX XXXX . GAP payment was made XXXX / XXXX / XXXX Bank has returned {$68.00} on XXXX / XXXX / XXXX & {$160.00} on XXXX / XXXX / XXXX after much communication and a complaint filed to the Oh io Better Business Bureau! The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.
Company Response: Closed with explanation

Timely Response

2017-05-03

Indianapolis, IN

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2017-05-03

Naples, FL

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2017-05-03

N Port, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2017-05-03

Palos Park, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX , XXXX I received a letter from lender, XXXX XXXX that the ownership of my loan was being transferred to XXXX XXXX , but that they would continue to service my loan. On XXXX XXXX , XXXX I received a letter from XXXX that the service of my loan was being transferred from Fifth Third Ba nk effective XXXX , XXXX , XXXX . This letter did give me an address to send in payments, but no Fifth Third Loan number. It is now XXXX XXXX , XXXX and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the XXXX payment and it did not recognize the loan number I was given. Today I will get in my car and drive XXXX miles each way to try and make the loan payment in person all because Fifth Third did not do their job of servicing my loan in a timely fashion. Clearly, I and other members of the American p ublic have other ways to spend my time then to deal with failure of Fifth Third Bank to do what XXXX XXXX pays them to do.
Company Response: Closed with explanation

Timely Response