Consumer complaint received 2018-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third purchased my mortgage. I have made timely payments for four years without incidence. They are auto-debited this payment from a checking account at another bank.

I was on back to back business trips ( I am a busy professional with an excellent credit rating ) and did not monitor the checking account balance. I made a stupid, bad mistake and did not closely monitor my checking account balance on this one account that I maintain this mortgage to be auto debited from. Because of this, Fifth Third Bank reported me to the credit agencies and will not redact. And I made every effort to pay, once I found out through a snail mail letter Fifth Third sent me. I was prohibited from paying because Fifth Third is so antiquated that they offer no auto payment thru the phone unless you have other accounts there. And you can not start an account online. Their business office has no extended hours ( this was the weekend after the XX/XX/XXXX ). But on top of it all, their CSRs, in between their candid remarks about the terrible software they are made to work with, told me out and out falsehoods about additional automatic withdrawals, no penalties -- and also neglected to tell me information that an additional auto-debit just the day before had crossed with my deposit to my checking account compounding the situation! 
I didn't know until I received a call from Fifth Third on XX/XX/XXXX and immediately got my account up to date on the same day. NONE of this had to happen if they had 21st century banking policies. They purchased a mortgage with a borrower that is outside of their service area and they have no online means of servicing this borrower unless accounts are set up during normal business hours something I also attempted to do. I attempted all due diligence. 

Fifth Third 's policies are antiquated, punitive, and do not have the consumer -- or their best customers -- in mind. Their online ratings are awful. On most social media sites there are hundreds, if not thousands of poor ratings. Please help me by asking them to redact the reporting of my late payment to the credit agencies. I tried everything I could to pay this bank. I was met with sub-par online services and mis-truths from their CSRs. This was my first infraction, and Fifth Third Bank gave me no other alternative paths to pay my mortgage, and they still reported me. I am not alone from mistreatment by this bank. It's easy to fix : please ask them to redact those reports.

On the bottom of their letters it always says, " Thanks for choosing Fifth Third Bank ''. Well, I didn't chose them. They chose ME by purchasing my mortgage, and I'm in an area they do not service. 

To Fifth Third : Don't report me to a credit agency when I try to make a super fast payment because I messed up if you don't offer me 21st Century banking services. And you don't talk to customers outside of business hours. Invest in the most minimal services of your competition. I have written to XXXX XXXX XXXX of Fifth Third and intend on writing to the Federal Reserve and State of Ohio Department of Commerce as well.

Thank you. NOTE : Please do not share the attachment with the public as it may contain personal information.