Vehicle loan or lease -- Managing the loan or lease -- Complaint #6230912

Complaint Overview

Complaint ID: 6230912

Company: Fifth Third Financial Corporation

Product: Vehicle loan or lease

Sub-Product: Loan

Issue: Managing the loan or lease

Sub-Issue: Billing problem

State: Texas

ZIP Code: 770XX

Date Received: 2022-11-21T12:00:00-05:00

Date Sent to Company: 2022-11-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

Fifth Third has been horrible from the beginning, but I have paid on time and until I lost my job in XXXX paid over the amount. I made them aware when I lost my job XXXX and we spoke of payment ( deferral for 3 months ) arrangement then, but I said I would do what I can for as long as I can and I did. I still managed to make my payment in XXXX and XXXX, but came to the end of what I can do come XXXX. I started attempting to reach out to them XXXX, before my due date of XXXX, but was not able to get through for over a week. So when I did finally get a hold of them ( first time speaking of the issues was XXXX ( I believe, but can not be sure ) they wanted more money to honor the agreement we made in XXXX. They supposedly base the amount they need to do deferrals based on how much I paid for my last three payments... however that was not true they base it on the last ninety days and since I paid on or before my due date previously they only considered two payments. Fine, stupid and illegal?, but I followed as directed Issue are : 1. Statements change - amount due changes 2. They are impossible to get a hold of - phone numbers do not work ( takes me usually 5 or so tries to not get hung up on... they hang up as soon as I enter my information, so to get through I do not enter it ) & online I can not log into for over a month with no resolution. 3. Their reps are not very fluent in English... so there is language barriers that cause issue in my account. They also get rude when I ask for someone in the states, since their call center is not and I need someone that speaks/understand English to communicate effectively. 4. They do not honor a payment agreement- for example I made an arrangement to pay {$280.00} to get a deferral for 3 months ( XXXX, XXXX and XX/XX/2022 ) so long as I paid it by XXXX, I paid it XXXX and they still do not have the deferment in place as promised. 5. They have no clue about consumer service. - So today I have now been on hold, only speaking with someone for 5 minutes, with them for over 2 hrs trying to resolve. Think they think I will just hang up. They have played this game before... I have been on hold for over 2 hrs and have hung up in the past because my life does not resolve around them and I can not keep my phone tied up. Think they do this because they are shady and trying to set me up as if I am not honoring my part of the agreement. I have read reviews on this group, so I know they have done this to lots of consumers. I will be moving this loan away from them ASAP once I am back to work, but in the meantime I am stuck with them : ( Please help.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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