Date Received: 2015-11-22
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: In XXXX XXXX, I purchased a new XXXX XXXX, and obtained financing with Fifth Third Bank for {$12000.00}. After setting up automatic withdrawal from my checking account, in XXXX XXXX, I changed banks. I transferred the automatic payment from the old account to the new XXXX, but the withdrawal was delayed through no fault of mine or my bank ( XXXX XXXX Bank XXXX. Nevertheless, it got squared away ; and I made XXXX payments through the XXXX XXXX XXXX to get the account squared away. The second major discrepancy occurred in XXXX XXXX, when I called to stop the automatic payment program, and requested Fifth Third Bank ( FTB ) to send me a monthly payment coupon book. I never received the payment book, and a couple months later, a repossession company attempted to reclaim the truck. I called Fifth Third, asking why I had not received the payment coupon book, but they were clueless. I made XXXX payments to get my installments up to date, along with a {$160.00} late charge. This XXXX late payment has continued to generate a {$20.00} late charge, not just once, but EVERY MONTH since XXXX. Paying a {$20.00} late charge because XXXX payment did n't occur is okay, but having it continue to accrue is unacceptable. On XXXX/XXXX/XX/XX/XXXX, I wrote to XXXX XXXX, XXXX at Fifth Third Bank ( FTB ), regarding the situation, but never received a reply ; On XXXX/XXXX/XXXX, I wrote to XXXX XXXX, also in the Office of XXXX FTB, but never received a reply ; In XXXX XXXX, I spoke with XXXX XXXX, also in the Office of the President at XXXX. On XXXX/XXXX/XXXX, I sent XXXX letters by certified mail to the XXXX individuals named above, along with a detailed XXXX spreadsheet I created listing all the payments I made, including the Late Charges FTB generated, and noting where the Principal payments were erroneously applied to the interest. In XXXX, I called XXXX XXXX. He informed me that he had received the spreadsheet, was analyzing it, and was required to reply by XXXX XXXX. On XXXX XXXX, I again called him, and he gave a vague response, acknowledging that his response was not forthcoming. All I have received since sending in the spreadsheets and talking to XXXX XXXX is a XXXX history of my loan payments, along with a form letter saying y account is seriously delinquent. FTB 's deplorable customer service is exemplified by the following four notices:1 ) On XXXX/XXXX/XXXX, my balance due was {$580.00}. 2 ) On XXXX/XXXX/XXXX, my balance due was {$780.00}. 3 ) On XXXX/XXXX/XXXX, my balance due was {$650.00}. 4 ) On XXXX/XXXX/XXXX, my balance due was {$460.00}. It would be expected that the balance due would increase in time, but this fluctuation up and down is beyond confusing. I have spent a long time looking over the XXXX pages of my Installment Loan history, which I have copied and enclosed. I numbered each payment, and transferred all the amounts to an XXXX spreadsheet to get some totals. I hope you or someone can make sense of the figures.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2015-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-19
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: my sister bought a cashier check to pay me for a car I was selling my nephew. she obtained it from 5th 3rd at XXXX branch in XXXX.ky. they issued her a check on white plain paper. I took check to my bank and they refused to cash because the check was not on proper blue check paper. I then took to 5th 3rd XXXX branch and they also refused to cash. my sister called XXXX branch next day and was told they were out of blue paper but it was ok and to have XXXX branch called them when I went back to bank. id, we did, was told they were out of blue check paper for 3 days but all info was on the white paper-which was still uncashable. the XXXX branch manager was very helpful and I was issued a new check the next week.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2015-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-17
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: Fifth Third Bank locked my " make a payment '' feature which had an automatic payment. Since it locked that account, my automatic payment for my mortgage did n't go out, causing it to be late and more fees. When I tried to fix the problem, I just kept getting transferred from one person to another.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2015-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-16
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: Fifth Third Bank offers an Access 360 debit card that apparently they have no control over. During a recent trip to pick-up a carry out order at a restaurant, I was over charged. I contacted the restaurant and they explained the error and said that I should contact my bank since the amount they put through was for the actual amount of purchase. Apparently, this card, when used at a restaurant, automatically imposes a XXXX % tip onto the price of the food order. I called Fifth Third about this. I was told that they have no control of this kind of overcharging and that they had no contact information so I can address this with the company responsible for the card 's programming. So, this is a feature that can not be cancelled.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-14
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: I purchased a vehicle from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan that now I am unable to afford. They prayed on my vulnerability because at the time I needed a vehicle. They conspired with Fifth Third Bank, which in turn sold the account to XXXX XXXX XXXX, knowingly that evidently I would default on the loan due to my inability to pay ... .PREDATORY LENDING. Now I am stuck in this loan with high interest and high car payments, owing way more on this vehicle than what it 's worth. I was never offered a carfax for this vehicle and after purchasing one on my own, found out that it was one of a fleet of rental cars. Based on the federal " XXXX XXXX '', this information should of been disclosed to me as a consumer in the purchase. I tried in vain to take the vehicle back to the dealership and was deceived several times. I simply can not afford this vehicle. It will probably be repossessed.
Company Response:
State: OH
Zip: 45662
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-13
Issue: Delinquent account
Subissue:
Consumer Complaint: My credit card company, Fifth Third Bank, which my account has been closed, has called me at home while I am at work three times today within a XXXX period. I feel they are making their case for trying to communicate with me, but calling intentionally their " legal '' limit of calls per day during which time I am unable to answer, since I am at work. Each time, never leaving a voice mail, so technically I 'd never knew they called if I did n't have caller ID services. They called on XX/XX/2015 at XXXX. I consider this harrasement by bugging my wife in having to check the phone each time it rings when as a homemaker, she has much more important tasks than to babysit the telephone all day. I believe this violates the Telephone and Solicitations Act.
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-12
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I paid off my car they kept deducting payments from my checking account. They then sent me a refund check and then put a stop payment on the check fifth third bank buyer beware
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2015-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.
Company Response:
State: NY
Zip: 43224
Submitted Via: Web
Date Sent: 2015-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: While XXXX, Georgia in XX/XX/XXXX I purchased a vehicle ( XXXX Dodge Charger ) from XXXX XXXX on XX/XX/XXXX. At that time my Credit Score was a XXXX ( See attachment ) and my APR was set at 5.29 % ( See attachment ). The Lien was with Fifth Third Bank ( See attachment ). On XX/XX/XXXX, online I notice a article stating Fifth Third Bank from " XX/XX/XXXX to XX/XX/XXXX charged XXXX and XXXX customers more interest on auto loans. Georgia was XXXX of the XXXX targeted location. In the military we 're already targeted by companies and now I would like to know if i 've been targeted by Fifth Third Bank.
Company Response:
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-08
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for XXXX blocked the concerning information. Fifth Third Bank continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. It even kept me from licensure for my dream job because I do n't have a perfect credit file! For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job XXXX! this is ridiculous to get something done with this company, every other company included in the affidavit removed the info and has found that the accounts were opened fraudulently during a legitimate investigation in a suitable amount of time. You ca n't tell me XXXX other company investigations found fraudulent activity and fifth-third actually investigated anything. The account itself is registered to an address in XXXX where I have never even lived!
Company Response:
State: OH
Zip: 44515
Submitted Via: Web
Date Sent: 2015-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes