FIFTH THIRD FINANCIAL CORPORATION

2017-04-07

Columbus, OH

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-06

Chicago, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My overdraft settings were changed in XXXX without my knowledge, and after a slew of automatic payment went through over the weekend, my account was overdrafted. I was not alerted via the mobile app, or by the online banking system. I was told that a 'courtesy paper alert ' was mailed out to me. Which does n't help because A ) I ca n't get mail on Sundays and B ) by the time I would have received it these fees probably would have totaled several thousand dollars. I was told that it is n't their fault the notification did n't go off properly, and that the 'paper alert ' is a courtesy to which they extend their customer. Seems pretty predatory to me. All in all, I incurred XXXX overdraft fees over the weekend past 3 business days : {$73.00}, {$370.00}, and {$140.00} ( which is still pending even though I brought the account to a positive balance by the time it was posted ). I called customer service and was told that it was my fault that the setting had been changed and that I had n't noticed it until the account was overdrafted. ( I mean, duh, of course I would n't have noticed a change on my account until I get charged several hundred dollars in fees ). Anyways, this first person told me there was nothing they could do. So I asked to speak to supervisor who also said the same thing. Until she said that she could reverse {$37.00}. Then we got disconnected ( I mean, of course we did! ), and I waited 5 minutes for a courtesy call-back, but of course, nothing. So I call back customer service, jump through all the automated system hoops, and explain that I got disconnected. The agent says that she will have the supervisor call me back in 3-5 minutes. Okay. 30 minutes go by, and ( of course ) no call back. So I call back a third time, and get a different sup. on the phone. She tells me that she is able to reverse up to {$74.00} ( {$37.00} XXXX ) of the fees on my account. Yeah ... that 's still over {$500.00} in overdraft fees that they 've swindled from me. So, I point out that I 'm not satisfied, I 've been a customer in good standing with this bank for almost 5 years and ask if they will extend a courtesy to me of reversing these fees. No, of course the ca n't. She ca n't help or do anything else about it. She ca n't even explain what went wrong with the alerts and settings in the first place. So I ask to speak to her manager. Who eventually offers to reverse an additional {$74.00} ( thats {$37.00} XXXX ) in fees ( seeing a pattern hear yet? ) I tell her that I am extremely disappointed with their handling of this situation and that I 've never gotten such a run around from a bank before. She ca n't explain why the alerts did n't work, how the settings got switched, or even what their official policy on administering refunds is. She only tells me that j $ XXXX is as much as she is allowed to refund ( which seems arbitrary when you ca n't even explain the policy behind it ). So, I 'm out almost {$450.00} for what amounted to less than {$70.00} in money actually overdrafted. And 53 does n't give a XXXX. They do n't care that a committed customer is on the verge of closing the account in it 's entirety because they ca n't seem to make things works correctly. Alerts do n't work, settings that change mysteriously, and a lack of explanation and empathy/making things right again make this whole institution seem like one big, scammy predator. And why not? That 's the treatment we 've almost come to expect here in America. I do n't know why I expected more from 5/3.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-05

Gr, MI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-05

Lansing, MI

Customer service/Customer relations

Other financial service: Money order

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Glenview, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

University Park, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-04

Charlotte, NC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Palos Park, IL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I received an email in XX/XX/XXXX alerting me to potentially fraudulent charges on my card, and was prompted to select " Take Action. '' 5/3 shut off my card, but never contacted me or sent a replacement. A month later, after not receiving a letter, email or call, I called customer service to get a status, and learned they were waiting for me to resolve the matter, and lied about trying to get in touch with me. A very rude customer service agent was not helpful or pleasant and refused to give dates for times they attempted to reach me. I received a replacement card in the mail two weeks later that i never activated. I decided to close out my accounts with 5/3 bank, and was met with rude and uncaring workers at my local branch. I requested assurance that my accounts were completely closed and there was no step left, or action needed on my end to finalize the process. I was condescendingly told that " they had done their jobs '' and that I was completely closed out, but that I should check on line if I did n't believe them. Once I got home from closing my accounts in the branch on XX/XX/XXXX, I saw that the replacement credit card and my checking account had been closed, but that the fraudulent card was still open, even though it should have been closed in XX/XX/XXXX. I called my local branch, which condescendingly told me that the account would n't officially close until Tuesday, XX/XX/XXXX, and when I questioned why XXXX was closed and XXXX was n't he did n't have an answer, but told me to check back on XX/XX/XXXX. When I looked today, it was the same story, with the fraudulent card still being open with a XXXX balance, but the other accounts being closed. through back and forth via email, customer service told me that all of my accounts were closed, and when I asked about the fraudulent account, I was told that a supervisor would be reaching out by end of day, and still have not heard from anyone, by phone or email, and my account is still open.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Cleveland, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-03

Frankfort, KY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-01

Mount Holly, OH

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I opened a checking and savings accounts with Fifth Third Bank on XX/XX/2017. I have made a few cash deposits and two check deposits. Both checks were from my employer who banks with XXXX bank the checks are drawn on an account from there. The first check for XXXX cleared no problem the second for XXXX has been placed on hold. I deposited the check in question on XX/XX/2017 they want to hold the funds until XX/XX/2017. The reason they claim to be doing this is because of my account being new. I have already spoke to my employer and there is no problem what so ever on their end the check has already cleared their bank. The is no logical reason for the hold.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Orion Twp, MI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. This information was auto saved on my computer for easier access. A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Rockford, MI

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Evesboro, NJ

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Cingular Wireless, TX

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Ft Wayne, IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Chicago, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I recently sent a dispute to Fifth Third Bank in regards to an inquiry made to my XXXX report. I was sent back a letter from them denying my request for removal of this unauthorized inquiry from my XXXX report. Please view attachment.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-29

Allegan, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-27

Onekama, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Acworth, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-27

Gr, MI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Can the mortgage company request, for the housing counselor to sign the letter of authorization?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

MA

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Fifth Third bank has taken funds, via direct deposit, from our bank account. My wife and I have a car loan with them and they took it upon themselves to take additional money out of our account by adding an insurance fee. We have had insurance the whole time and called after the first time it was done to us. They told us that the money would be returned to us after we had insurance company send over insurance information. This information was sent to fifth third bank and we were told that we would be getting our money back. They have for a second month in a row, charged us for the same fee. They now owe us two months on unauthorized charges, and are not returning the phone calls. All my wife and I want are the XXXX unathorized fees as well as the non sufficient funds charges that we have had to incur as a result of them taking this money from our credit union.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-27

Tallahassee, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-26

FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was charged approx XXXX overdraft fees, totaling roughly {$1500.00} I was not informed of this and was not given a chance to remedy, and want this money refunded. I was charged approx XXXX service fees, totaling roughly {$900.00} was not informed of this and was not given a chance to remedy, and want this money refunded. Customer Service refuses to work with me and has threatened additional fees if i close and give my business elsewhere. My goal is to get 100 % of my overdraft fees and 100 % service fees refunded.
Company Response: Closed with monetary relief

Disputed: No Timely Response