FIFTH THIRD FINANCIAL CORPORATION

2017-03-25

Appleton, WI

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-22

Bromley, KY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Glenview, IL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Harmon, OH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-21

Chicago, IL

Incorrect/missing disclosures or info

Money transfers: Domestic (US) money transfer

Complaint: 53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Ft Lauderdale, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I wrote and mailed a check for {$200.00} which was stolen from a mailbox and altered to read {$2000.00} and deposited or cashed without being endorsed by someone other than the payee and not at my bank. I discovered this within 24 hours of the check being deposited/cashed and filed a fraud claim with my bank. Thirty-five days have passed and the funds have not been restored to my account and my bank so far is not taking responsibility. In addition, the clearing of the check put my account into a significant overdrawn position of {$1500.00}. While I elected overdraft protection on the account I was surprised that my bank would honor a check which overdrew the account by that much.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Chicago, IL

Taking/threatening an illegal action

Debt collection: I do not know

Threatened to sue on too old debt
Complaint: Received a call from an Unknown number stating from " Department of Verification '' saying certified documents being dispatched to my location tomorrow XX/XX/XXXX and that I should contact them immediately XXXX ext XXXX to avoid adverse decision on my behalf. " You have been notified. '' I called them and spoke with XXXX of XXXX and asked for the documents to be mailed to my mailing address. He only offered to email it to me. The document references a " debt '' with an original date of delinquency of XX/XX/XXXX. The notice says : " Dear XXXX, Our office has been retained to proceed on the aforementioned matter listed above. This letter serves as your formal notice of our intention to resolve this matter with or without your cooperation. If you fail to heed this notice, you leave our firm no choice but to take further action to secure the balance and any additional fees applicable to the contract. If this is a matter you intended to resolve voluntarily due to not having opportunities to resolve via written correspondence or telephone contact, please contact our office to update us of your request. If you have any further questions or concerns, please feel free to contact our office. '' I did not receive any notice of this debt before today. I repeatedly asked for XXXX to mail the notice to my address, because I do not regard e-mail being official, but he refused. He told me they were willing to reduce the amount but because I kept asking for a hard copy to be sent in the mail, I will just have to deal with XXXX court and pay much more since I want it to be " official '' and to have fun in court. XXXX said that his firm is not a debt collector, yet are attempting to collect a debt and do not have to mail me anything. The e-mailed document came from : XXXX XXXX XXXX, California XXXX XXXX : XXXX Direct Line Toll Free Number : XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Chicago, IL

Credit determination

Credit card:

Complaint: On XX/XX/2017 Fifth Third Bank made an unauthorized hard inquiry to my credit report ( XXXX ) of which I understand is illegal. I never signed any documentation authorizing this inquiry which is currently affecting my credit score.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-17

Berkley, MI

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Denver, CO

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Wonder Lake, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: We have experienced an issue with someone having obtained and used our social security numbers to open bank accounts and apply for credit cards. Accordingly, we have filed a police report and notified the credit agencies and initiated fraud alerts. Most creditors have acknowledged the fraud alerts and contacted us before any charges could be made and promptly closed the accounts, or ceased processing. Unfortunately, Fifth Third Bank seems to be the most lax in verifying identities and resolving disputes. They had allowed a checking account to be opened with a token balance and immediate overdraft without contacting us and now seemingly have approved another account ( XXXX ) in our name that we did not apply for. Their fraud department is very difficult to deal with and we find it very troubling that they would allow a second account to be processed after the first event where a checking account was fraudulently opened for {$63.00} and they gave the imposter XXXX initial blank check which they promptly used to overdraw that account. We were able to close out that checking account weeks ago and received verification from Fifth Third just about XXXX days ago that it was investigated and resolved and that we had no liability. However, today we received yet another notice from Fifth Third of a XXXX Account opening and notice of change of home phone number, which again was done fraudulently and with out notice despite having experienced the prior fraud issue. We believe that Fifth Third is not doing their job in verifying identity as required by Federal law and are not being cooperative in preventing the opening of fraudulent accounts or resolving those disputes effectively. After experiencing their weak efforts and response to our identity theft issue I would never voluntarily deal with them for any banking services and would recommend others to think twice before doing so as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Big Stone, SD

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Cincinnati, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Broadview, IL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-15

Camby, IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Georgetown, IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Fifth Third Bank : XXXX XXXX XXXX and XXXX, XXXX XXXX. XXXX My home loan with Fifth Third Bank. The XXXX or XXXX of XXXX XXXX I completed paper work for a home equity loan. I put over {$45000.00} as a down payment on home. I had all requested information at meeting with XXXX. The bank loan officer. I ask about a 2nd mortgage, per XXXX an home equity loan was better for me. No closing cost and no interest for 6 months and a low interest rate after that. XXXX said I could pay only the interest rate as a payment if needed. I explain I was leaving for two weeks, I offer to come back to submit loan request, but XXXX said no problems. I call spoke to XXXX on XXXX, XXXX, XXXX to see if more information was needed. She said no. I received several calls from XXXX one week later while on a cruise ship and could not respond. On Monday XXXX XXXX, XXXX I called XXXX and she said they needed 2 months of checking account statements to verify my income. I gave her information by XXXX on XXXX XXXX. On XXXX XXXX, XXXX I called left message for XXXX to call me. She did not return my call. On XXXX XXXX I called a 2nd time. This time taking to XXXX she pulled my account she would check and call me back by end of business that day. She did not call me back. On XXXX XXXX, XXXX I stopped at Fifth Third Bank in XXXX In. Spoke to XXXX XXXX, He called XXXX to see what was going on. On his computer it said is was in verification process. XXXX told him it would be a week to complete processed. I did not talk to XXXX. On XXXX XXXX, XXXX I went to bank, asked if XXXX was in. Bank teller said " yes '' after going into back room Employees returned said XXXX was at lunch, I said I would wait. Bank teller said it would be an hour. I again said I would wait and sat down. Bank Mgt. XXXX XXXX came from back room and stood in door way while talking to someone in back room. I strongly believe XXXX was there. I then ask for Bank mgt.. I then met with XXXX XXXX. I told him I been waiting for 2 months to this loan. Said XXXX would never call me back, it was awful customer server. I was being treated rudely, felt my loan was not being processed. XXXX said it usually takes 30 days for this to be processed. Said he would talk to her about it. He pulled my file up and said it was in the status of needing approval. I asked approved by who he said him. He was taking over loan and may need more updated information. I said ok. Two hours later, XXXX called said there were several profiles on me, ask my birthday and if I refinance the house when getting my mortgage in XXXX XXXX. No I bought the house XXXX of XXXX. On XXXX, XXXX I called XXXX XXXX asking if he needed more information. He requested XXXX and XXXX bank statements and my XXXX annual statement from my Federal Retirement Pension reporting how much my monthly income was. I provided all information by the XXXX XXXX, XXXX. On XXXX XXXX, XXXX I met with XXXX at bank and asked about letter I received requesting more information. XXXX told me it was the same information previously given. XXXX told me if I could not get the equity loan, he could offer me a loan with 8 % interest. I do not understand why I would be offer a loan with a higher interest rate. It would be a higher payment each month. XXXX and XXXX both had to have my credit check with in return lowered my credit score. XXXX at first meeting offered me credit line of $ XXXX I said no $ XXXX He told he I should have a answer by the end of week, which was XXXX XXXX, XXXX. I have not received a call from XXXX or XXXX. I 've had to beg for their service. I am XXXX XXXX lady and a widow. I have been treated unfairly, mislead about receiving loan and per age and sex been discriminated again. Four months, they do not call me back, I have no answer, just wasting my time
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-14

Chicago, IL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Chicago Heights, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Jamesburg, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

VA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Orchard Mines, IL

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

OH

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I bought a vehicle and got an auto loan through fifth third bank. I put insurance on the vehicle the day that I bought it and had the proof of insurance faxed to fifth third bank. A month or two later I started getting calls that I owed over XXXX in insurance that fifth third put on our vehicle. They claimed that they never recieved our proof of insurance and needed it sent again. So i complied and sent it again. I made my regular vehicle payment as i always do. A week later I started getting about 12 calls a day from all different collection centers for fifth third. They said that we owed XXXX dollars because my payments had doubled and I had only made my normal payment. The payments which were exactly double now were because of their added insurance. I asked why and they said they still had not recieved my proof of insurance so I asked how I could get it to them and have my payments back to normal. They said I could fax it again and they promised to personally call me back. I made the mistake of believing them and never got a call back. The insurance never got taken off and I was back to square one. I stopped by my local branch and they said there was nothing to do. So i went to my insurance agent and she helped me fax it over again and keep an insurance service center on the phone so we could hear them verbally say when it came through the fax machine. The employee claimed that all would be normal since they had recieve proof. But I continued to get calls to my work and my cell phone. So I got a fifth third supervisor on the phone after holding for 30 minutes. She says it will be resolved but I am now skeptical as you can imagine. I have cried multiple times over this matter. I have spent countless hours on the phone. My credit is damaged. And for what? I have done nothing wrong. It has been the most stressful month of my life and it feels like I am being harassed. I am writing this as a final hope. I have done everything I 'm supposed to and I 'm being punished for it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-11

IN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone. I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.
Company Response: Closed with explanation

Disputed: No Timely Response