• Report: #451824
Complaint Review:

Fifth Third Bank Car Loan- Cincinnati Oh

  • Submitted: Thu, May 14, 2009
  • Updated: Wed, June 24, 2009

  • Reported By:Lancaster South Carolina
Fifth Third Bank Car Loan- Cincinnati Oh
PO Box 630778 Cincinnati, Ohio U.S.A.
  • Phone:
  • Web:
  • Category: Loans

Fifth Third Bank Can not account for two car payments Cincinnati Ohio

*Author of original report: Can someone help me please?

*UPDATE EX-employee responds: See If This Works

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I have a car loan with Fifth Third Bank. I received the loan as of 2005. I have "never" missed a payment. I have been unemployed for 6 months and yes there were a few late payments but never a skipped payment. My insurance lapsed in November of 2008. Yes, my fault. I'm in SC and things have been very ,very hard. I know that's no an excuse, but there's probably thousands of people driving around who doesn't have car insurance.

I received a letter from Stephens and Michaels on April 22, 2009. A collection agency stating I had a balance with Fifth Third of $ 653.18. I called and the lady replied, we will reposse your vehicle. I asked what the amount was for. Was it insurance? She stated she " didn't know".

I am still unemployed. Where could I come up with 653.18, especially since I had made 3 car payments ( a gift from a relative) in March. ( March, April, and May) I had contacted Fifth Third, told them I had changed insurance companies and my car did have insurance several months ago. Nothing was said about late payments, fees, etc.

I have since been in touch with the collection asking how do I owe this money and why? I sent them and Fifth Third bank my money oder receipts and went to the post office to have them traced, thinking somehow maybe these payments were lost/stolen? I contacted a local branch and she stated the money orders were posted to their account and it was probably an issue with lapsed coverage on my car. After all the headace I went through thinking over a thousand dollars was lost. I called the collection ageny back and informed them of what I had found out. They emailed the bank and told them the story. Did they care? Were they going to straighten this out? The answer is NO, and HELL NO. I had to immediately come up with 100.00 to keep from having the car in repossion ( as of yesterday)
I can understand if they were adding insurance. But, why not just tell me.

Finally, the lady at our local bank informs me I received a new payment book with the insurance added. NOT!!! I started calling around to different branches getting other opinions. OK. The second band I contacted told me you are behind on your regular payments, by 2 months. She said you have always been late on your payments. LIAR!!!!! I wasn't late on ANY payments until I lost my job. She was rude and told me I will need PROOF that you made ALL your payents.

Sometimes I mailed money orders, at times checks or my boyfriend used his checking account. She said I want to see every check, statement, cleared money order since 2005.

I'm getting pissed. I have gone through hell and back to try and clear this up. I called a third bank. He stated I was 3 months behind on payments and my March, April and May payments went for Dec., Jan., and Feb. He told me he would have to have COPIES of the money orders??????
I don't know what to do. No one will give me a straight answer.

I've tried called the 800 number on my coupon book and the rude person would not speak to me. She told me my account is in collections and she could not advise any information.

I don't know what to do. I will have to pay the remaining amount which is $553.18 or they will come and get my car. I don't know where I stand and how to find out any information.

My next payment is due in June, but not according to them. What have they done to my account!!!!! Why???? If anyone has gone through this PLEASE respond. I will appreciate any information. I can't lose my car.
I do know, when it is paid off, I will NEVER bank at Fifth Third Bank again.
Very rude and will not help you.

Lancaster, South Carolina

This report was posted on Ripoff Report on 05/14/2009 11:07 AM and is a permanent record located here: http://www.ripoffreport.com/reports/fifth-third-bank-car-loan-cincinnati-oh/cincinnati-ohio-45263/fifth-third-bank-can-not-account-for-two-car-payments-cincinnati-ohio-451824. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Author of original report

Can someone help me please?

AUTHOR: Whyme - (U.S.A.)

I have had such a bad time with Fifth Third Bank. I not only owed them over 6oo dollars but they came back within a week and stated I owed them over $1400. My account had went back to Fifth Third and back again to Stephens and Michaels.
I tried to get them to explain...I received NO answers.
I finally thought I had it settled. yes, I paid ALL that money and not even knowing what for. I can only assume it was because I didn't have insuance for a period of time on my car.
I had to make June's payment $569.42 in advance, too.
Today, I get a NEW book in the mail. The payments aren't the required 365.72 per month but $569.42 and the book starts at June. ( the payment I made last month)
June, July, Aug, Sept is for $569.42 and then in Oct it goes back to my regular amount of 365.72.
My insurance has faxed all documents stating proof of insuarce. Why are they still charging me? How long do they keep the insurance on my car even though I have my own insurance? I don't know what to do anymore. I still owe too much on the car to pay it off, and still unemployed.
I try and try to speak to someone at the 800 number. They are rude and THEY DON'T CARE! If anyone knows what I can do, a suggestion etc please let me know. I'm going crazy trying to figure this out. I'm not sure which I'll loose first-----my car,house, or MIND!
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#2 UPDATE EX-employee responds

See If This Works

AUTHOR: It'll Be Ok - (U.S.A.)


I'm sorry you're having so much trouble. It's bad enough to lose your job but to have this too really sucks. Fifth Third does have a disputes department for consumer loans. You can ask for that department. If they won't give you the 800# I will see if I can round it up around here.

Now, about how to resolve this. Ask the agency what specifically they are trying to collect from you. If it is, in fact, the past due payment, I would suggest making copies of the 3 payments and faxing them and a copy of the history from your branch showing they have been applied to the agency as well as sending them certified mail (where they have to sign for it) with a letter to them stating "here are the payments, here they are applied" stop harrassing me. I know it stinks, but keep everything. Don't be afraid to ask for supervisors.

The insurance issue is a bit trickier. You said that you were not insured for a period of time. I know that if they get wind of a cancelled insurance policy, VSI insurance is force placed on the account. It is very expensive. That is why you got the new coupon book. I am fairly certain the only way to get the insurance removed is to get ahold of someone and have them tell you when the coverage period is. In order to get it removed, you will most likely have to show proof of insurance from that time period.

If you have had a good payment history and made 3 payments recently, you might look at doing a skip a month if you are financially struggling. Check and see what the qualifications are for it, it may help. I hope my response helps.
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