FIFTH THIRD FINANCIAL CORPORATION

2017-03-11

Indianapolis, IN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: For several years I have received notices from XXXX XXXX XXXX. According to the notices the debt is for Fifth Third Bank. Although I admittedly owed Fifth Third nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to XXXX in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-11

Woodland, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I paid off my mortgage with Fifth Third Bank. After the mortgage was paid off they took another payment from an automatic withdrawal. This was the XXXX of XXXX. They told me they mailed a refund check on the XXXX of XXXX but as of the XXXX of XXXX I have not received it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-10

Flowerfield, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-09

Troy, MI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Chicago, IL

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-09

Charlotte, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums. I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-09

MI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically. Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again. On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days. Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-08

Bunker Hill Village, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Douglas, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-08

Harsens Is, MI

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: In XX/XX/XXXX I acquired about hardship for my mortgage. XXXX sent me papers to fill out. On XX/XX/XXXX I mailed all my papers to XXXX in loss mitigation customer care. I again had to mail her more papers on XX/XX/XXXX. I expressed my concern about not be able to make XX/XX/XXXX house payment. I told her I have never been late in 12 years since my husband died in XX/XX/XXXX. She informed me that I was seeking help and nothing would happen to me for not making the payment. She said I qualify for help and I would be ok. I am so disappointed in her terrible advice. I would never have not made the payment, I would have asked my family for help to make XX/XX/XXXX 's payment if I would have known Fifth Third would report me immediately on my credit report and lower my credit score by XXXX points. I was never once informed this would happen for seeking help. I called her twice and emailed her once and she never returned my calls or emails. She gave me false advice and now I do n't qualify to buy a home for my kids and I. I ca n't believe someone would do this to me. It 's said enough us losing my husband and my XXXX kid 's daddy but now our family home. And now I ca n't qualify to buy a home because a 1 time being late ruined my credit. I tried calling at XXXX but every number I tried said Fifth Third was closed. I received a letter saying I do n't qualify for any help at all. I was late in XX/XX/XXXX because of her telling me it was ok because I was seeking help. She again NEVER told me they would report me to the credit bureau and that my credit score would be lowered by XXXX points. My payments of XXXX that I made for XX/XX/XXXX was labeled unapplied credit and the rest XXXX was also labeled unapplied credit. I have made all current mortgage payments and ca n't get her to return my phone calls. She knows she gave me the wrong advice and that 's why she is n't returning my emails or phone calls. I expressed in XX/XX/XXXX my anxiety on not paying my house payment on time. She told me I was going to be ok. That nothing was going to happen to me. How can someone do this to a widower and her children. I need this off my credit and have my score returned to good so I can buy a home for my kids and I. I am so dissatisfied with the bad advice XXXX gave me. I should have never listened or trusted her and I would n't be in this serious mess right now. I am so disappointed and depressed right now. I trusted her and look where I am right now. Credit ruined and no way for me to buy a new home for my kids and I. I would never of not made that XX/XX/XXXX house payment if she would have told me that it would lower my credit score by XXXX points. I would have made that XX/XX/XXXX house payment through asking my family for help if she would have told me the truth about my credit was going to be ruined. She NEVER once told me this. I am so sick to my stomach on how she could leave such a serious issue out of our conversation. Someone please help me. I have never missed a mortgage payment in 12 years. I would never have missed XX/XX/XXXX 's house payment if XXXX would have told me what would happen if I missed XXXX mortgage payment. I need this XXXX time late mortgage payment off my credit score so I may buy a home for my kids and I. I work XXXX jobs. I am a hard worker. Someone help me please. Do n't ever listen to XXXX from Fifth Third, she ruined my life.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Eureka, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-07

Wayland, MI

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-07

Delaware, OH

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Day Heights, OH

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-06

Fort Myers, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-05

Ft Myers, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-04

Lancaster, OH

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-04

Clarksville, MO

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Lansing, MI

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I did not receive the {$400.00} business account opening bonus at 5/3 bank, even though the terms were met. The terms of the bonus promotion were to deposit at least {$5000.00} and maintain an average balance of {$5000.00} for 60 days, while performing 5 debit card transactions - which was successfully accomplished. To provide some background : The account was opened via phone and the promotion information was relayed to me by the baker on account opening, who suggested I deposit {$5000.00} to ensure the {$5000.00} average is met. Once the welcome packet ( containing my account information ) was received - the {$5000.00} was deposited at my local branch. In the 60 days since deposit - the XXXX average balance was maintained, in addition to performing 5 debit transactions. The proof is readily available by looking at the account statements.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Clarksburg, WV

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Taft, OH

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-01

Pinellas Park, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Apache Acres, IN

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Euclid, OH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-28

Melbourne, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response