Fifth Third Bank, National Association Corporate

Complaint ID: 7989681

Product: Checking or savings account

Sub-Product: Savings account

Issue: Managing an account

Subissue: Cashing a check

Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint: My wife 's purse was stolen from our car on XX/XX/2023. That same day someone tried to cash a check against our account. Thankfully a banker at the XXXX XXXX, FL branch of our bank caught it and put a fraud lock on the account. However, on XX/XX/2023 we had {$1900.00} deducted from our savings account for a returned check. I went to the XXXX, FL branch and they showed me the check that someone fraudulently cashed using my wife 's ID. Apparently this was at another branch and it wasn't caught. The signature wasn't even CLOSE to her signature either on her ID or the signature card on file with the bank. 5/3 opened a fraud packet on the incident but said the investigation could take 30-180 days. I'm not satisfied with this at all. Seeing as how the signatures were nowhere near a match, this was very lazy on the part of the bank representative who cashed our check. This should be a very clear cut case and I should have these funds made immediately available.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7989417

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint: Fifth third bank wrongly denied my dispute for a charge to my account from XXXX XXXX. I ordered XXXX internet. XXXX XXXX sent me a box. Then I sold my home so I did not open the box. I called XXXX and asked if I could use the box at my new address. They said no. So they sent me a shipping label to return the un-opened box. XXXX said since I did not open the box and because they could tell that the device was never used, they would not charge me anything. I have this in writing. XXXX XXXX auto billed my Fifth Third account anyway. I disputed it. Fifth third denied my disputed based on evidence sent by XXXX XXXX that says absolutely nothing. I don't think Fifth Third even read it. Please help.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7988551

Product: Vehicle loan or lease

Sub-Product: Loan

Issue: Managing the loan or lease

Subissue: Billing problem

Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint: On XX/XX/XXXX, the bank did 6 line item notes on this loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called they refused to tell me what this denoted. On XX/XX/XXXX the bank ledger/statement shows my loan balance as : {XXXX On XX/XX/XXXX, after crediting my regularly scheduled payment, plus {XXXX extra towards principal, my outstanding balance suddenly jumped : Bp Curtailment {XXXX Billpayer Pymt {XXXX Principal XXXX Interest {XXXX} Additional Info PAYMENT BALANCE AFTER {$61000.00} this reflects an INCREASED balance owed, even after the XX/XX/XXXX payment of XXXX. Please note the bank split appropriately the regular, minimum payment of XXXX} towards principal and interest, as it had all previous months. I made additional loan curtailment payments on : XX/XX/202XXXX XXXX XXXX XXXX XXXX Additional Info XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Note that the bank arbitrarily credited my entire regular/minimum payments for XXXX XXXX XXXXXXXX SOLELY towards interest ; without apportioning that payment towards both principal and interest as it had done all months previously. I called the bank again on XX/XX/XXXX asking for a full and complete accounting of the payment discrepancies, including the XXXX balance jump to XXXX FROM the previous months balance of {$59000.00} ; to date no such accounting, corrections, or response, despite the bank 's published policy of correcting errors within XXXX business days. Since my next payment is scheduled as an ACH payment for XX/XX/XXXX ( also for XXXX for the regular, minimum payment plus the additional {$1000.00} principal curtailment, I called the bank today to find out exactly why no corrections, explanations, or response had been made since XX/XX/2023. Today I was told that because the loan has a high interest rate and because I am making additional curtailment payments to pay it off sooner, the bank arbitrarily and without notice or explanation decided to only credit my regular minimum payment solely to interest. This is in fact a contract violation as it is a penalty for prepayment, despite the contract stating there is no penalty for same. XXXX? I again requested the bank honor the loan agreement, void the random prepayment penalties, and provide a full accounting for all the payment discrepancies to date. They assigned me " request # XXXX. '' based on their denial to remedy this with my XXXX request, I am escalating this to you, especially because I am not the only customer whose agreements they are violating. Please help!!!!!!!

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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