Date Received: 2016-02-09
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.
Company Response:
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-09
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I would like to file a formal complaint against Fifth Third Bank for unethical business practices and abuse of power. My account is often over drafted. In accordance with Fifth Third business practices, they have habitually and consistently paid my overdrafts and assessed my account fees accordingly. Within the past 5 months, approximately, their business practices have noticeably changed. Not only was I not notified of any changes to my particular account but it has cost me substantially more fees and distress. Of the fees assessed in XX/XX/XXXX, approximately XXXX % were assessed XX/XX/XXXX. There are XXXX particular sets of circumstances that cause me to file this complaint. First, Fifth Third Bank has returned payments and charged me a fee ; the same merchants have re-presented the same payment, Fifth Third has then paid the merchant and charged me another fee. Between the times the merchants presented the transactions, nothing has changed on my account. When I asked the question of how this determination is made to pay or not pay a transaction, I was told that my overdraft protection changes on a day-to-day basis. Hence, the unethical business practice. I was later told that my overdraft protection was {$2500.00}. Payments were returned and fees were assessed when I was below this limit. This not only falls under unethical business practice but abuse of power of a large corporation over a consumer as I have absolutely no way to get my money back or to stop them from continuing this atrocious business practice. My initial communication regarding this situation was directly to the Office of the President via e-mail on XXXX XXXX, XXXX. I received a letter dated XXXX XXXX, XXXX indicating that as a courtesy, XXXX fees were reversed and enclosures included a copy of the Fifth Third overdraft solutions and Early Access terms and conditions, not answering any of the questions I had which included, what is the exact amount of my overdraft protection? And what had changed in my account within the past 5 months to create this new problem of even more and inconsistent application of overdraft fees? Upon receiving this letter of XXXX XXXX, I sent another email to the Office of the President on XXXX XXXX asking these questions again and requesting complete answers. When I had not received a response, I sent another request on XXXX XXXX, XXXX, not knowing that Fifth Third does not reply to e-mails directly, rather by US Mail due to privacy concerns. At this time, I received a response via telephone saying that the request has been received and they would review my concerns and respond. I then received a letter dated XXXX XXXX, XXXX indicating that my overdraft coverage was {$2500.00}, XXXX XXXX was no longer with the company, there are no plans to discontinue Early Access, there was no record of my phone call to customer service, and no additional fee reversals would be forthcoming. On Thursday, XXXX XXXX, XXXX I contacted XXXX . XXXX XXXX in the Office of the President via telephone and asked to escalate this situation to her supervisor. I was transferred to XXXX XXXX XXXX who was aware of my situation and agreed to review the file again. Today, XXXX XXXX, XXXX, XXXX XXXX called me to advise that there would be no further fee reversals on my account. She said that the overdraft protection was n't meant for the manner in which I 'm using it, rather, for such instances such as travel emergencies. My contention is that may be their intention but they have implicitly agreed to my use by honoring the drafts historically. Hence my letter to discuss the unethical business practices of Fifth Third Bank.
Company Response:
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2016-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-05
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I had an account with Fifth Third Bank in 2013. Fifth Third Bank reported Suspected Fraud Activity on my account to XXXX and XXXX. Due to this injustice I am constantly denied service at any bank. I have continuously informed the Fifth Third Bank that I was not responsible for this fraudulent activity that occurred on my account. I also informed them apparently someone stole my identity and that I am the Victim. I asked Fifth Third Bank to remove this negative report from my records but they refuse to do so. Please Help. Thank You
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Fifth Third 's credit card division is saying I did not pay the settlement agreement that was agreed upon over 5 years ago. That was paid by a check over the phone and all I received was a letter saying that out of x amount of dollars, I owe {$500.00}, which was paid. I never received a statement saying it was paid in full, the person I was communicating with from 5/3 said that is what they issue. Unless I can find a bank statement from 5 years ago with the charge, they are threatening to take me to court and freeze all my accounts.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2016-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I get a call from XXXX telling me that I am being served at home or work. I called the number and spoke to XXXX . XXXX who said I was being taken to court before I was even told who I owed. After he told me it was 5/3 Bank he asked my intentions and I told him this was paid a couple of years ago. He told me it was n't and he 'll see me in court. I asked if this call is recorded and wanted to know the name of the company. He wanted to know why and I said because I 'm going to file a complaint and sue them also. He said I could n't afford to sue them or I would have paid the credit card. I reminded him that the card was paid and I will follow through. He refused to give me the company name. I called back several times and got someone there to tell me the name is XXXX XXXX XXXX.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX/XXXX/16, I sent a {$25000.00} cashier check from my XXXX Bank to Fifth Third Mortgage at XXXX. XXXX XXXX, XXXX, OH XXXX to pay for part of my mortgage principals, via a certified mail with a return receipt. I have my name and mortgage account number clearly shown on the Cashier 's check at the XXXX line of " Pay to the order of Fifth Third Bank ''. On Friday, XXXX/XXXX/16, my cashier check was delivered to Fifth Third Mortgage at XXXX based on the USPS Tracking number XXXX. I contacted Fifth Third Mortgage on XXXX/XXXX/16, to inform them that my cashier check arrived at their Fifth Third Mortgage and requested them to confirm. The first-line rep at Fifth Third Mortgage told me there was n't any ways to confirm status, then escalated me to XXXX XXXX, a manager. XXXX took the call and asked for my USPS Tracking number and verified at USPS.com just like that I did. XXXX XXXX told me my cashier check should be processed overnight on XXXX/XXXX/16, and she placed a " task order '' to ensure my cashier check would be deposited to my mortgage account and pay principal only. XXXX stated that there were n't any phones that she could call at the Payment Processing center to obtain status. On XXXX/XXXX/16, I checked my Fifth Third Mortgage account online and did not see the {$25000.00} bank cashier check deposited in my mortgage account. On XXXX/XXXX/2016, I called XXXX immediately using her direct number and left a voicemail. XXXX called me back and stated it did not process, but she could not explain to me how long it would take to process a {$25000.00} cashier check and what the procedures are. XXXX told me again there was no way she could call the Payment processing center to inquire any status. This was like an internal firewall between Mortgage Rep and the Payment Processing Center. Since XXXX/XXXX/16, XXXX has neither answered my phone calls nor responded to my voicemails on this matter even she offered to monitor my account since XXXX/XXXX/16. On XXXX/XXXX/16, I still have not seen the cashier check deposited in my mortgage account as I checked. This time, I was able to reach to another supervisor, XXXX ( Employee ID # XXXX ), and she told me that she could not do anything either since XXXX has put an investigation on it but XXXX did not tell which day the investigation was set up. I explained to XXXX that XXXX has not responded to me since XXXX/XXXX/16. XXXX said that she noted in my account and copied to XXXX boss about the situation and told me they should get back to me, but I still have not received their responses. On XXXX/XXXX/16, I consulted my XXXX Bank again to find if my cashier check was actually cashed and the XXXX Bank rep informed me that the cashier check has not been cashed yet. Therefore, the Fifth Third Bank Mortgage has not even processed my mortgage payment in 4 business days ( XX/XX/XXXX/16-XX/XX/XXXX/16 ) after they received my check on XXXX/XXXX/16 at XXXX XXXX. The XXXX bank rep told me that it usually takes 2-3 business days to process a cashier check to pay for principal in a mortgage account. Obviously, this is not the case for Fifth Third Mortgage in XXXX, OH. Can you please assist me in investigating this case with the Fifth Third Mortgage due to this is unprofessional/unacceptable services from the Fifth Third Mortgage. As of XXXX/XXXX/16, I have not obtained any status on the progress of the mortgage payment with my cashier check sent to Fifth Third Mortgage. They simply could not even provide me with status of their progresses in their Mortgage payment processing due to their internal firewall that can not make any phone calls to their backend Mortgage Payment Processing Center. Any assistance that you may be able to offer would be most kindly appreciate it. Thank you.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: The attached page shows a company called XXXX of XXXX Ohio sentt me a a check for XXXX and 53rd said there was something wrong with it. 53rd had charged XXXX in overdrafts at that time, so their settlement owed me 3 times that amount. XXXX XXXX also said he would refund the XXXX fee after a year. I was also owed a XXXX promotion as well. I am not sure what was wrong with the XXXX check from XXXX of Ohio.
Company Response:
State: IL
Zip: 60087
Submitted Via: Web
Date Sent: 2016-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-30
Issue: Delinquent account
Subissue:
Consumer Complaint: I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.
Company Response:
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2016-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Something is not correct Fifth Third Bank has not computed the numbers right, in 2015 i have made all 12 Mortgage payments of {$1000.00} Plus and with each payment {$570.00} x XXXX is {$6800.00}, which the XXXX x {$570.00} going into my escrow account, fifth third is playing very hard with me and telling all you get is {$14.00} i previous had a balance left over in my escrow account of about {$1400.00} this total is was to suppose to be {$8300.00} after all payments are paid out for Disbursement, The items to be paid is my home insurance which is {$650.00}, Taxes {$4200.00}, PMI {$410.00}, and 2 months of Cushion of {$810.00}, i asked fifth third bank where is the balance of the funds in my escrow after all item have been paid and the balance should be {$2200.00} as an overage, Fifth Third Told me that i do n't have any overage in this amount only {$14.00} plus, Something is not right, can you please help me to figure out what is going on.
Company Response:
State: MI
Zip: 48126
Submitted Via: Web
Date Sent: 2016-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-27
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: Ref : Fifth Third Bank Auto Loan Discrimination I financed a XXXX Chevrolet Impala from XXXX XXXX XXXX XXXX through Fifth Third Bank on XXXX XXXX. I felt at the time that the fair market price was not accurate but I needed a car. I felt victimized until I saw this story : XXXX
Company Response:
State: FL
Zip: 32796
Submitted Via: Web
Date Sent: 2016-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No