Date Received: 2017-12-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.
Company Response:
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest. I called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase. So the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest. Obviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.
Company Response:
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: To Whom It May Concern : My complaint involves the company XXXX XXXX XXXX XXXX, a debt collection company who has regularly engaged in unethical business practices. My experience with them is recent, XXXX XXXX, XXXX - I had a voicemail ( and have saved ) to call their offices. The number they called me from is XXXX. It was an automated message that states, " Urgent voicemail message. We have sent multiple correspondences with no response and it is currently past the compliance period. Continued failure to respond can result in our recommendation of escalation without your personal statement being included. Please contact us at XXXX. '' When you call the line you ca n't get a live person and you are forced to leave a voicemail or hang up. I decided to leave a message because I had no idea what this voicemail was in regards to. A gentleman who said his name is XXXX XXXX called me from the number XXXX, which is a XXXX, Ohio area code. He stated that I owe money from an old bank account through 5/3 Bank. He did not give me the amount that I owed and I hung up with him and called 5/3 Bank. It is true that I used to bank with 5/3, from the XXXX 's until XXXX. I closed the account on XXXX XXXX, XXXX ( confirmed in a recorded call to 5/3 ) after moving from Ohio to Florida because they only had one branch location and I opened a new account with a different bank. I spoke to a collections specialist at 5/3 who stated that my account showed a XXXX balance and that even if I did owe the bank, the debt was so old they could no longer tell me how much the balance was. 5/3 also stated that at that time they used a company called XXXX for debt collection and they went out of business. 5/3 Bank does not employ the XXXX XXXX XXXX to collect debt on their behalf. I called XXXX back and let him know all of this and he insisted on calling 5/3 Bank while I was on the phone. There is no way for me to confirm that he really called 5/3 Bank. What I can tell you is that he has my social security number, my old checking account number, and an address in XXXX that I do not reside at. The person that XXXX called stated that at one time I did have a balance at 5/3 Bank, but again, no amount was stated and then XXXX hung up on them. XXXX then told me that at this point it 's an ethical issue and that he would settle this account for around {$230.00} but I actually owe {$300.00}. He said that I could be reported to the Chex system if I did not pay this and be reported to the credit bureaus. He then stated that if I did n't settle my account today ( this particular call took place on XXXX/XXXX/XXXX ) that interest and fees would add up to over {$600.00}. I asked for him to send me something in the mail with documentation from the original creditor ( 5/3 Bank ) because I needed to see something in writing, especially after my conversation with 5/3 Bank who advised me NOT to pay him and did use the word " scam ''. Again, this is recorded and can be proven. XXXX refused to mail me documentation and said he had already mailed me something and we were past the point of compliance. I was able to get him to agree to email me documentation. I did bring up that IF I truly did owe this debt, it was past the statue of limitations and this debt is considered time-barred. He then told me that in Florida that XXXX had changed and that even though it 's 5 years now it used to be longer and I fall under the old XXXX so they can come after me. I told him I was going to speak to an attorney about this and XXXX said he 'd be happy to speak to them too but that I needed to pay this now or I have 24 hours to pay them at most before they go after me. I have since called 5/3 bank and a woman by the name of XXXX has been assigned to my case. She specifically told me ( and again, another recorded call that can be pulled ) that even if I owed them at one point they can not see what the amount was because it 's so old. She then told me that they have asked XXXX XXXX to quit collecting debt on their behalf ( their legal department is now involved ) so clearly I am not the only one having this issue. XXXX is the one that told me XXXX went out of business and then a year or so ago this XXXX XXXX XXXX popped up trying to collect on really old debts. She also called them a scam and told me to avoid their calls. I forwarded her my letter sent from XXXX via email and she said she was passing it to their lawyers. I have also spoken now to 2 different attorneys - one in Florida and one in Ohio. Both advised me to not pay this guy and BOTH called the XXXX XXXX XXXX a scam. They both confirmed that XXXX is full of it when it comes to the SOL ( which does n't even fall in Florida because I did n't open the account there ) and that he is engaging in unethical business practices. The Florida attorney looked up the address they provided which is n't even a real office building. Their website is " under construction '' and their are law suits in Illinois against this firm. I want them to quit calling and threatening me. Further, I know I am not their only victim and this needs to stop. I am also reporting to the attorney general 's office in both Ohio and Florida.
Company Response:
State: KY
Zip: 41015
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an credit offer from Fifth Third Bank at zero interest good through XX/XX/XXXX and on XX/XX/XXXX I went to my Bank and accepted the offer. Since accepting the offer I have to go into the bank and have them reverse the interest charges and they ca n't seem to resolve the issue and I 've spent countless hours trying to resolve the situation.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I called XXXX XXXX on XX/XX/XXXX after I made a payment on the card because I saw a {$14.00} charge that I had not made. A dispute was filed on the charge and the card was cancelled to prevent any other fraudulent charges from being made. A new card was to arrive in 5 business days. My new card still had not arrived on Saturday, XX/XX/XXXX so I called once again and they I had called on Wednesday, XX/XX/XXXX, which I most definitely had called on XX/XX/XXXX as that is the day my payments are due each month. I called today, Monday, XX/XX/XXXX as my new card had arrived and I needed to activate it. However, the entire account has been blocked while they work on the dispute. This was not mentioned the first time I called on the XX/XX/XXXX nor the second time I called on the XX/XX/XXXX. They have said they are expediting it and I should hear back in 24-48 hrs. However, that is unacceptable as I have purchases that need to be made, including prescription medication and will be traveling back home for the holidays shortly.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-10
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2017-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi, My last complaint # XXXX is the same reason for this one ... To summarize : As of XX/XX/XXXX I canceled my previous home owners insurance with XXXX and went with XXXX home owners insurance. How ever the Mortgage company " 5th 3rd Bank '' keeps paying both companies for the same home. I got reimbursed from XXXX most of the money in XX/XX/XXXX but 5th 3rd Bank has once AGAIN paid both companies and the escrow account is a mess. I will do my best to refinance to a better Bank ASAP. XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There were not appropriate categories to choose from and I was forced to choose something, so I apologize for that upfront. In XXXX 2017, my husband 's ex wife subpoenaed information from Fifth Third Bank related to his bank accounts. We have an account together, so she received financial statements from that account. My bank also sent the " signature card '' from that account, which was created when I opened the account ( as an individual account ). The account contains a lot of my personal information, including the date the account was opened, my mother 's maiden name, and my social security number. No information was redacted. I had previously notified Fifth Third that I am not a party to the case. While I understand why the bank statements were released, my social security number is completely irrelevant and personal, and should have been redacted. I tried to resolve this with Fifth Third Legal and customer service to no avail. Customer service will only advise me that the matter is " closed ''. Legal will only speak to an attorney. My husband 's ex wife now has my social security number, and her attorney has released copies of the signature card to numerous individuals. This could be very damaging.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd. bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.
Company Response:
State: KY
Zip: 40215
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A