Date Received: 2021-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX XXXX and affiant. I am a federally protected consumer, holder in due course, attorney in fact and consumer and natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation XXXX CFR XXXX ( b ). I have proof that XXXX XXXX Violated my consumer rights by threatening me to get insurance and pay a down payment when a finance charge was involve which is illegal Pursuant to XXXX XXXX XXXX XXXX ( a ) and XXXX. XXXX XXXX XXXX ( c ). This violation cause for damages to be paid to me in double the finance charge pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). Sales Associate XXXX XXXX And the sales XXXX did not provide me with all the required information required under the provisions of 15 U.SXXXX Code XXXX is a violation of 15 U.S. Code XXXX willfully and knowing. XXXX XXXX and the finance XXXX rushed me through the car buying process so they can get off that day and didn't disclose right to rescind this consumer credit transaction Pursuant to 15 U.S. Code XXXX ( a )., in connection with any sale to a consumer, such as I, the affiant am aware, a contract must include the provision described in XXXX CFR XXXX ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against XXXX XXXX, XXXX in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recover any amounts paid and its proceeds. I have a claim to the interest and the proceeds of each trade and instrument in accordance with XXXX XXXX with the possessory right to both the instruments and the property.XXXX XXXX XXXX XXXX XXXX XXXX both definitions of seller and creditor as evidenced in EXHIBIT ( A ) and subsections XXXX C.F.R. XXXX ( j ) and XXXX C.F.R. XXXX ( c ). XXXX XXXX, XXXX is a creditor in connection and in accordance with XXXX CFR XXXX ( c ). A person who finances and extends credit to a natural person or a consumer would be the XXXX name, my property XXXX XXXX XXXX the corporate fiction and legal engis.The XXXX rescission forms are required by XXXX XXXX XXXX and must be delivered together with a statement containing the material disclosures in accordance with XXXX XXXX Code XXXX ( v ) required under TILA. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau. I, the affiant did not receive any forms nor receive any clear or conspicuous, verbal, written or video explanation on my right to rescind. I the affiant, have the right to exercise the right of rescission after the XXXX years from the XX/XX/2021 in accordance with 15 U.SXXXX Code XXXX ( f ) as shown in EXHIBIT ( A ) due to the failure of XXXX XXXX XXXX XXXX to disclose this required information. as described in XXXX CFR XXXX ( XXXX ) then XXXX XXXX, XXXX needs to provide that waiver in order to prove its compliance with the Truth in Lending Act requirements. Such failure to provide the written waiver will hold XXXX TX, XXXX. liable for its negligence, unfair and deceptive practice of not providing the consumer the notice of right to rescind.Notice, it is a fact, affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth In Lending Act. In addition, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau.Notice, it is a fact, affiant is invoking it's right of rescission in accordance with XXXX XXXX Code XXXX and XXXX XXXX XXXX to rescind any power of attorney which XXXX have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( XXXX ) ; XXXX XXXX XXXX. Notice, it is a fact, I affiant, consumer, debtor, and natural man, believe and do so believe since I granted security interest, that I have the ability to revoke such interest Pursuant to XXXX C.F.R XXXX ( a ) XXXX ( i ) and hereby exercise the right to rescind any and ALL Security interest in ; The Vehicle, All money or goods received for the vehicle, All insurance, maintenance, service or other contracts financed and all refunds or charges from the contract mistakenly given to any and all parties in consumer credit transaction at XXXX XXXX XXXX XXXX, on XX/XX/XXXX XXXX, it is a fact, affiant is aware, upon discovery, this contract has been a one sided agreement which I was never disclosed the second signature by an authorized party, head of agency or registered agent XXXX XXXX XXXX XXXX XXXX XXXX " meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure I invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me ; XXXX XXXX XXXX.Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and you agree to fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact as an unrebutted affidavit stands a truth in commerce.
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I received a call today XX/XX/XXXX owing Fifth Third Bank {$1800.00} from closing an account in XXXX that had 4 transactions adding up to {$1400.00}. This is the first I have heard of this in 9 years. I don't recall the account nor do I have any information about what I supposedly spent this money on. XXXX XXXX XXXX XXXX is claiming if I don't pay them today, they can submit a claim against me for my contractional obligation. If they submit this, they say that XXXX will lock me down at my current bank, causing me to not have access to a checking account or debit card for five years.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: during a transaction so some one in between the lines spent things and delivered data with no reflection on the account added. This is why the account in negative! Hello : Fifth Third Bank The account has malf 'd again and re-deucted some credits the next time around to reflect the already ducted balance transacted in the first exchange per transaction. Now the transactions are credit that is in the red as normal for XXXX ; and XX/XX/XXXX for replaced credit from the total in deposits and transfers positivity on XX/XX/XXXX a bal : XXXX Which I added and is devout for transactions I can't deduct because they aren't supposed to be negative charges instead they are positive charges to be placed back in the account related to the re-pend certain categories. I will revisit the bank tomorrow and forward this to an FDIC office for a report & review; name : XXXX XXXX XXXX, birthday : XX/XX/XXXX Acct ending : XXXX All positive deposits and transactions + : XXXX XXXX $ XXXX XXXX $ So I look funny in the face with a negative XXXX $ ; please call if you have questions about this account, I got fraud by your system ; now they want to close this account. As of today the account supposed to have {$3.00} XXXX but it's exhausted by $ XXXX and it's a brick wall rip-off because of most employees trying to help solve another employees problems. This account I got it's based on savings/supplies and donorship sponsors. Thanks thus " I need help fast ''
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Fifth Third changed my mortgage payment amount as a result of an escrow adjustment and did not notify me either via mail, email or on their own payment portal. I continued to make the payments in the old payment amount as that continued to be reflected in their portal and I had no knowledge of the XXXX dollar change Fifth Third did not credit any of the payments made to them since the amount was XXXX dollars lower than they expected to receive I found out only when I applied for a loan from my local bank and they told me that I was late making payments to Fifth Third. I showed the local bank the payments made electronically out of my account to Fifth Third but it still resulted in my being denied the loan. Contacting Fifth Third to try to sort out what happened was a months long nightmare I was told repeatedly everyone was " working from home because of the pandemic and some things had fallen through the cracks '' by one employee who promised to resolve this and told me I would hear back via phone from a supervisor which never happened. I continued to call and ultimately was told they had not credited the payments because of the escrow change and had held all of the payments I made in some sort of unclaimed funds account, waited a certain period ( I was told 30, 60 and 90 days by different employees ) and that they had then mailed the money back to me via check. I have to date received NO checks Fifth Third acknowledges they were never cashed So essentially they have my money ( somewhere between XXXX and XXXX XXXX dollars given their portal and lack of communication it is not super clear to me when they stopped crediting payments I was making )
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : FIFTH THIRD Date of inquiry XX/XX/2021
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have a mortgage loan with Fifth third bank, fifth third has not been reporting my loan to the credit agencies since XX/XX/XXXX. I have reported this to the bank, the XXXX agency, the consumer financial protection bureau.All of these letters sent since the spring of this year, with no correction or even any apology from fifth third. Fifth has tried to foreclose on my home at least twice while I went through a chapter XXXX. I sent you all a copy of a letter fifth third sent me after the chapter XXXX ended that stated they would notify all of the credit bureaus on XX/XX/XXXX.I now believe this is an intentional act on their part to hurt my credit.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I recently traded in my XXXX XXXX for {$10000.00}, and financed for a {$25000.00} XXXX XXXX XXXX. The finance manager financed for {$22000.00} and added unauthorized GAP and protection package. The lender stated that on their end it looks like I did not put down a deposit for the car at all. I called the finance manager almost daily and left messages requesting the added packages be cancelled, and to discuss why the loan amount was so high. He never returned my calls until I threatened legal action via small claims. He finally sent the cancellation paperwork for me to sign, but never sent any follow up or confirmation. He refused to discuss the loan amount and laughed when I said I have rights. He spoke to me in a very patronizing way while attempting to further manipulate me into a deal I did not want. While handling my paperwork he " disclosed '' that his mother passed away the week before. This is a tactic used to distract and manipulate. He also asked me to meet up for coffee the next day to " finish up paperwork ''. When I finally got in touch with him, after over a month of attempts, he stated that he had been on vacation because of his mothers death. Excuses and manipulation to avoid accountability and responsibility. The XXXX was also sold to me with a bad battery that I had to replace out of pocket a month to the day I bought the XXXX. The battery was over 5 years old and the dealership just changed the sticker on it. The dealership put in writing that they would refund the cost and have yet to do so. When I call, the sales team members refuse to transfer me to the manager and they are often very aggressive and rude.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX {$660.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I'm aware that that these two transactions is fraudulent [ XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Tn On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions were unauthorized by my card and someone has obtained my personal information ( identity theft, fraud, error ). I didn't authorize or give ( consent ) for any or ATM withdrawals on my account. Around the time or on this day I was incarcerated ( imprisonment ) So I am not liable. I'm requesting a charge back of my funds.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I start a new job next week. I was asked to create a profile on XXXX. There was a link for Wisely. I clicked it to get more information and it signed me up for a prepaid card that I do not want. It looks like my prepaid card was approved. But I want my direct deposit to go into my XXXX account. Ive already provided XXXX with my checking account information. Please cancel this prepaid card. I reached out to XXXX. But I need a card number to be connected with anyone. Again, I do not want this prepaid card or account. Thank you, XXXX XXXX XXXX
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A