Consumer complaint received 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company : Fifth Third Bank Product : Installment Loan Issue : Billing Dispute / Improper Fees/ Negative Credit Reporting / Account Mismanagement I am submitting a formal complaint regarding the handling of my installment loan account by Fifth Third Bank. My installment loan account was opened on or around XXXX XXXX, 2024. Within the first XXXX weeks of opening the account, I contacted Fifth Third Bank to request a change to my payment due date. I was instructed by a representative to complete the request through the mobile application. I followed those instructions in good faith. When the payment cycle arrived, the requested change had not taken effect and my payment was withdrawn unexpectedly, negatively impacting my finances. I attempted the same process again based on the same instructions and experienced the same issue. I was later informed by another representative that the information previously provided to me was incorrect and that payment date changes could only be completed over the phone. As a direct result of the misinformation provided by Fifth Third Bank representatives, my account began incurring late charges, penalties, overdrafts, delinquency, and negative credit reporting. I made repeated efforts to resolve the issue responsibly and attempted to keep the account current in order to avoid negative credit reporting. This required me to divert funds from other obligations, resulting in overdrafts and financial hardship. Despite these efforts, my account and credit continued to be negatively impacted. Rather than properly assisting in resolving the issue, I experienced excessive hold times, dropped calls, rude representatives, repeated transfers, and an overall refusal by representatives to take accountability for the misinformation that caused this issue. Additionally, I repeatedly requested that all communication regarding this matter be conducted in writing only. Despite these requests, I continue to receive repeated phone calls regarding this account. I have maintained recordings, call logs, and documentation of these communications, including repeated requests for the calls to stop and requests for written correspondence only. I dispute all late fees, penalties, overdrafts, delinquency reporting, and negative credit reporting associated with this issue because they were caused by misinformation and mishandling by Fifth Third Bank representatives rather than a refusal to pay my obligations. I am requesting that Fifth Third Bank : * Remove all improper late fees and penalties * Reverse all overdraft, NSF, and related account fees connected to this matter * Remove and correct all negative credit reporting associated with this issue * Restore my account to good standing and appropriately re-age or correct the account status * Cease all telephone communication and communicate in writing only * Provide written confirmation of all corrections and account adjustments I am requesting a full written response and resolution to this matter.

Company response to consumer: Closed with monetary relief