Consumer complaint received 2015-07-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I received multiple calls from 5th third bank without a voicemail or any request for a call back from XXXX. I finally had the chance to answer at XXXX on XXXX ( Sunday morning ). At that time, the representative told me that I was being charged interest at a rate that was never disclosed to me in writing or verbally at the time of financing my vehicle at the dealership. Told the representative that I had an electronic bill payment already scheduled for XXXX. At that point, representative told me that It would likely take at least 5 business days for them to accept the electronic payment and at that point I was told that if I wanted to avoid those fees and past due account, I was required to pay with her at that moment on the phone. So I complied, to avoid a late payment. I could not cancel my online bill pay from my own account ( XXXX ), and so I was XXXX charged for XXXX payments. I contacted XXXX who verified that they would flag the transaction as a duplicate bill pay and have the money retracted. Upon contacting 5th third bank on Monday XXXX, I informed the rep I spoke to that I wanted to have my payment amount refunded and she said she would order the request. After this, I finally put in touch with a manager named XXXX. He said that he would request that the overpayment amount would be wired to me no later than XXXX. On XXXX when the amount did not ever appear in my account, XXXX verified that he would look into it, and then on Friday XXXX he left me a voicemail that the money had been sent to me via check. In the meantime, XXXX had reversed my XXXX bill pay and the money was back in my account. On XXXX I received a check from 5th Third Bank in the amount of 1 month 's bill pay ( XXXX ) which I did not cash. Between XXXX and XXXX I received roughly XXXX calls at work from 5th Third Bank with no voicemail or call back information. When I returned the call, I was told that my account was past due for the amount of XXXX. I was put in touch with a Bill Pay representative who explained that because the check was mailed they had removed my original payment amount from my account. I explained that I had not cashed the check. At that point the representative, XXXX, informed me that he would not argue about the " Symantecs of cashing a check ''. At this point I asked for a paper copy of my contract to be sent to me, he explained how a simple fee loan worked and explained that the only paperwork I would ever have regarding my loan was somewhere on the contract I signed with the dealership at which I purchased the vehicle. He also explained that my only recourse was to physically go to my bank and cash the check 5th Third Bank had sent me, then call them back and make another payment, to bring my account up to date. Throughout the entire process I have requested a copy of my contract with 5th Third Bank multiple times on XXXX, XXXX, and XXXX. Each time I have been told that they will not/ can not provide that to me. When asking one representative on XXXX where in my paperwork I could find the daily interest rate they were charging me after payment due dates, I was told " you should n't have signed the papers if you did n't read them ''. I still have not received a copy of the terms of the finance, or a contract from 5th Third Bank. I am extremely concerned that this will effect my credit rating, and will report on my consumer credit report. I have been shocked at the extremely unethical, incompetent, and unprofessional conduct and tactics used by every single member of this organization.