Consumer complaint received 2016-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
First things first I had thought I had switched from doing monthly payments earlier this year to auto-deduction-style for my auto loan with XXXX XXXX Bank. I was mistaken in this assumption from my conversation with them and once my scheduled payments ended my loan payments went late. 
During a lapse in my payments to XXXX XXXX Bank for my automotive loan instead of calling me on my personal cell phone number which they had on file and which I had their number saved, they called my work phone number repeatedly from numbers that are not registered to XXXX Third bank. Since it was my work phone, I let all non-work related phone calls go to voice-mail and I call them back at a better time, however all numbers came up as well documented spam when researched, when called back were all non-functioning and I could not find out who called. Most importantly they never left a single message in voicemail in their attempts. 

They did tell me during my discussion while getting my account in good standing that they had sent me physical mail, however they all came in the same packaging as my payments had the prior 4 years of my loan, so I either did not open them in thoughts there was nothing out of the ordinary, or possibly a few of them were stolen ( XXXX, WA mail theft is astonishingly high this year ). 

Unfortunately the damage was already done, my vehicle was repossessed, and I was charged exorbitant fees in which to get my vehicle back. A good example was the repossession fee of over {$500.00} when the actual bill for the repossession ( I saw it on the towing company 's desk ) was only {$280.00}. The gentleman from XXXX XXXX XXXX was a fantastic man to deal with ( although unfortunate that I had to work with him in the first place! ), however I did feel somewhat wronged by the differences and price gouging in their setup. These few dollars almost made the difference of me getting my vehicle back or losing it permanently. 

Here is my call log below with the information i received when I called the numbers back. As well as their ratings online, and how many times they called me on each day. ( apologies for XXXX spreadsheet formatting here ) " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " The number you have reached is not in service, this is a recording '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX " Thank you for calling no one is available to take your call at this time, please call back again later '' - XXXX XXXX Spam rating of 80 % online, XXXX , IL Called : XXXX XXXX 5 hrs diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 80 % online, XXXX , TX Called : XXXX XXXX XXXX XXXX 1 hr diff XXXX XXXX 2.5 hrs diff XXXX XXXX XXXX Spam rating of 100 % online, XXXX XXXX , MO Called : XXXX XXXX XXXX XXXX 31 min diff XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spam rating of 70 % online, XXXX , NC Called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Calls for 1 month : XXXX

Company response to consumer: Closed with explanation