Date Received: 2021-08-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Company Response:
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/XXXX, I went to a branch and told the teller I wanted to close my account. I received a cashier 's check for the full balance of the account. It appeared there was something wrong with the computer system, but the teller provided the cashier 's check and didn't communicate about any problem closing the account. My next statement had an ending balance of {$0.00} on XX/XX/XXXX. The following month, I received a statement with an overdraft notice and an $ 11 monthly service charge. The overdraft fee was {$0.00} ( possibly the fee was XXXX because of the tier of my account ). The new statement period began on XX/XX/XXXX and ended on XX/XX/XXXX ; thus, the new statement period began two days after I closed my account.
Company Response:
State: IL
Zip: 60015
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Fifth third bank has allowed numerous amounts of money to be taken from my account I can send screen shots of my account summary where it shows alot of different dates and amounts of withdrawls I never did. The bank isnt trying to resolve the issue. Some where cashiers checks some where atm withdrawals
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I satisfied the total payment of this loan on XXXX after being assured by Fifth Third bank that my title would be sent to me, via postal mail, upon payment of the loan. I was told the title would be sent to me within 10 business days of payment ( note that I paid this loan off 3 years ahead of time. It was a five year loan that was satisfied in two years. Well ahead of schedule ). On Monday, XXXX, I called Fifth Third bank to request a status update and I was assured that the bank contacted the XXXX and provided the loan release document. The CSR I spoke with indicated that the XXXX is sending my title and that no further action was required. On Monday, XXXX, I called again to request an update and was informed that only the lien release would be sent to me and that Id have to visit the XXXX XXXX to obtain the title. This is not consistent and is an undue burden as I have moved out of state to a new location. The CSR I spoke with on Monday, XXXX was named XXXX ( last name unclear ). I currently live in XXXXXXXX XXXX and explained this to the CSR and the CSR stated that he would again request the loan release document be sent to me but could not help with any details regarding title. Bottom line : Ive been given inaccurate information across a multitude of CSRs since paying my auto loan and I have nothing to show for it ( no title, no lien release document ). Im attempting to register this car in XXXX XXXX and now I may be forced to return to XXXX to obtain title. This will require transportation costs, time, and time away from work ( and expenditure of my limited vacation time ). The burden is huge. Had I known this ( eg. Had Fifth Third appropriately explained the process prior to pay-off instead of providing false information ), I wouldnt have paid the loan until the title transfer process was complete. Now, with no longer having that option available, Im stuck with no title and no lien release document and possibly having to travel a significant distance to obtain my title ( for a vehicle that I rightfully own and paid for ). Further, having reviewed similar complaints, it sounds like Fifth-Third bank routinely provides false information to consumers and causes an undue burden and confusion to their customers. Its unacceptable.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone have taken my identity with Fifth Third bank. The account number ending in XXXX. I have filed a police report and there have been multiple charges to my account with my permission and knowledge. Someone have got a hold of my account and stole funds and Fifth third is saying their going to close my accounts and end the banking relationship for something I didn't do or have any knowledge of. I have been a victim of identity theft. I want this to be investigated properly and for them to explain why I am being held accountable.
Company Response:
State: OH
Zip: 43212
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Sir or Madam : On XX/XX/XXXX, the Complainant had received an email alert message from XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX which had stated : Your credit score changed on XX/XX/XXXX and is now within a new score band. New Credit Score Band : FAIR Previous Credit Score Band : VERY_GOOD. See Exhibit A. In which, the XXXX XXXX XXXX file XXXX Score had decreased by ways of XXXX ( XXXX ) points from XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, to XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, in less than XXXX ( XXXX ) days without Equifax adding any new revolving, mortgage, or installment debts accounts, as a legitimate reason for the Complainants XXXX credit file XXXX Score to had decreased by way of XXXX ( XXXX ) points. See Exhibit B. And, on XX/XX/XXXX, the Complainant had made an online purchase, in the amount of XXXX dollars and fifty-four cents ( {$19.00} ) using her second ( 2nd ) Fifth Third Banks secure credit card ending in the account number, XXXX, as the payment instrument. See Exhibit C. Also, the Complainant had paid off her Fifth Third bank secure credit card ending in the account number, XXXX debt, in the amount of XXXX dollars and XXXX cents ( {$19.00} ) dated on XX/XX/XXXX, that was paid before the Fifth Third Bank requested payment due date on XX/XX/XXXX which is stated onto the Complainant new Fifth Third Banks statement cycle dated from XX/XX/XXXX to XX/XX/XXXX, before the Fifth Third Bank could have determined the Complainant payment was a late payment ; in order to decreased her XXXX credit file XXXX Score from XXXX XXXX and XXXX ( XXXX ) points to XXXX XXXX and XXXX ( XXXX ) points should have not affected the Complainants XXXX credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points. See Exhibit D. As a result, the second ( 2nd ) Complainants Fifth Third bank secure credit card ending in the account number, XXXX is the replacement card for which, an assailant who is unknown to the Complainant had made negligent, false and misrepresentation call statement to the Complainants Fifth Third Bank, lost and stolen telephone automated prompt messages system or to the Fifth Third Banks Disputes Resolution Department, telephone representative for which the assailant had unlawfully cancelled the Complainant first ( 1st ) Fifth Third Bank secured credit card ending in the account number, XXXX dated on XX/XX/XXXX without the Complainant lawful authority. See Exhibit E. Therefore, the Complainant is very concern about her XXXX credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, which had greatly and considerably decreased by ways of XXXX ( XXXX ) points : 1. without any new revolving, mortgage, or installment debts accounts being added to her XXXX credit file account with a legitimate explanation ; and 2. after, the Complainant had paid off her Fifth Third bank secure credit card ending in the account number, XXXX debt dated on XX/XX/XXXX, from her new XXXX XXXX XXXX statement cycle dated from XX/XX/XXXX, to XX/XX/XXXX, and, the payment due date is on or before XX/XX/XXXX, should have not affected the Complainants XXXX credit file XXXX XXXX and XXXX ( XXXX ) points XXXX Score. Furthermore, XXXX should have not economically disadvantaged and disproportionately affected or effected the Complainants XXXX credit file XXXX Score, and the Complainant is questioning now, her XXXX credit file XXXX XXXX determination threshold calculation rate procedures which is inconspicuously decreased the Complainants XXXX XXXX Score by ways of XXXX ( XXXX ) points in a reduction credit without any legitimate explanations. And, Equifax should have programmatically coded and mathematically calculated the Complainants XXXX credit file XXXX Score without any human manually adjusted interferences towards correctly calculating the Complainants XXXX credit file XXXX Score. In conjunction with the Complainant is also questioning the XXXX XXXX XXXX ( IT ) noncompliance application for calculating the Complainants XXXX credit file XXXX score calculations instead of the manual human input XXXX score calculations practices in accordance to the Fair Credit Reporting Act ( FCRA ) contained in the Consumer Credit Protection Act of 1968 ( CCPA ) such as, the Truth in Lending Act ( TILA ) and, the Fair Debt Collection Practices Act ( FDCPA ) are as follows : Title 15 U.S.C. 1681c ( relating to the Requirements Relating to Information Contained in Consumer Report, Title 15 U.S.C. 1681g ( c ) ( relating to the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores ), Title 15 U.S.C. 1681g ( f ) ( relating to the Disclosure of Credit Scores ), Title 15 U.S.C. 1681g ( g ) ( relating to the Disclosure of Credit Scores by Certain Mortgage Lenders ), Title 15 U.S.C. 1981 ( i ) ( relating to the Procedure in the Case of Disputed Accuracy ) and Title 12 C.F.R. 1022.72 ( relating to the General Requirements for Risk-Based Pricing Notices ). The Complainant had analyzed, her Equifax credit file XXXX Score points and she had determined, learned and experienced from this second ( 2nd ) written complaint either XXXX or Fifth Third Bank has/had incorrectly calculated and reported the Complainant High Credit ( H/C ) limit purchased amount of the XXXX dollars and XXXX cents ( {$19.00} ) divided by the Credit Limit ( C/L ) which is incorrectly calculated and reported by either XXXX or Fifth Third Bank, as the C/L amount of the XXXX dollars and XXXX cents ( {$19.00} ). And, the XXXX amount divided by the C/L amount is equal to XXXX XXXX percent XXXX 100 % ) of the Complainants XXXX credit file XXXX Score that has maximized her threshold credit utilizations ; in order to become greatly and considerably decreased by ways of seventy-eight ( XXXX XXXX points. Instead of the correct C/L amount of the XXXX XXXX dollars ( {$300.00} ) which should have been calculated and posted, as the Complainants XXXX credit file XXXX Score mathematical denominator due from either XXXX or Fifth Third Bank who [ m ] had knowingly and willfully participated and acted into a said negligent, false, or misrepresentation statements for incorrectly calculating and reporting the Complainants Equifax credit file XXXX Score miscalculations. And, the Complainant C/L amount has/had been incorrectly calculated and reported into her XXXX credit file XXXX Score account that seems to be unlawfully well-masked into the Equifax database system which is inconspicuously appeared or shown, as the correct XXXX Score calculation into the Complainants XXXX credit file account when it is not the correct XXXX Score calculations ( See Exhibit B and F ) ; in violations of the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores, Title 15 U.S.C. 1681g ( c ) and, the Disclosure of Credit Scores, Title 15 U.S.C. 1681g ( f ), and, the Procedure in the Case of Disputed Accuracy, Title 15 U.S.C. 1981 ( i ), and the General Requirements for Risk-Based Pricing Notices, Title 12 C.F.R. 1022.72. And, as a result of either XXXX or Fifth Third Bank inconspicuously miscalculated of the Complainants XXXX credit file XXXX score C/L in the amount of XXXX dollars and XXXX cents ( {$19.00} ) are as follows : XXXX XXXX Score Incorrect Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$19.00} Equifaxs XXXX Score Percentage 1.00 % If either XXXX or Fifth Third Bank had calculated and reported the Complainants Equifax credit file XXXX Score correctly than the Complainants XXXX H/C limit purchased in the amount of XXXX dollars and XXXX cents ( {$19.00} ) divided by the C/L which is the Complainants Fifth Third bank secure credit card ending in the account number, XXXX, credit limit in the amount of XXXX XXXX dollars ( {$300.00} ) should have been calculated and posted, as her Equifax credit file XXXX Score equal to XXXX percent ( 7 % ) which is below the XXXX percent ( 30 % ) threshold required by XXXX XXXX XXXX, XXXX in accordance to the General Requirements for Risk-Based Pricing Notices, Title XXXX C.F.R. XXXX that should have increased the Complainants Equifax credit file XXXX Score are as follows : XXXX XXXX XXXX XXXX Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$300.00} XXXX XXXX XXXX XXXX 0.07 % Now, the question remains unclear is, what happen to the Complainants XXXX credit file XXXX Score, if the Complainant paid off her Fifth Third bank secure credit card ending in the account number, XXXX to a XXXX balance? And, does that means, the XXXX XXXX XXXX, XXXX or Fifth Third Bank has the lawful authorities or rights to decrease the Complainants XXXX credit file XXXX Score by way of XXXX ( XXXX ) points by reason of the Complainant paying off her Fifth Third bank secure credit card ending in the account number, XXXX account? Even though, the Complainants Fifth Third bank secure credit card ending in the account number, XXXX remains open or, either XXXX or Fifth Third Bank has/had made negligent, false and misrepresentation statements for reporting the Complainant XXXX credit file revolving account, as close when her Fifth Third bank secure credit card ending in the account number, XXXX account is not close. And, this is another reason why, the Complainants XXXX credit file XXXX Score is intentionally miscalculated and decreased by ways of XXXX ( XXXX ) points without proof or evidence from either Equifax or Fifth Third Banks Disputes Resolution Department who [ m ] should have provided a legitimate explanation. In addition, the Complainant can not retrieve her Equifax free weekly annual credit report online from the website annualcreditreport.com. After, the Complainant had entered of all her correct Personal Identifiable Information ( PII ) onto the XXXX website than she will receive an error message. And, on XX/XX/XXXX, the Complainant had uploaded into her XXXX account within her online dispute, copies of the Complainant actual identification documents such as, her North Dakota Real ID driver license and XXXX XXXX XXXX, as proof or evidence of her identity. Therefore, the Complainant should not have to provide, any copies of her actual identification documents, again. After, the Complainant had ready submitted those actual identification copies within her XXXX credit file account dispute online dated on XX/XX/XXXX. See Exhibit G.
Company Response:
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After filing a complaint with this office, ( # XXXX-XXXX ) 5th 3rd bank retaliated against me by filing a report with the Sheriff 's office against me and my wife. We were contacted by Deputy XXXX Of the XXXX County Sheriff 's Office ( XXXX ) on behalf of 5th 3rd and told to not contact the bank again for anything under threat of arrest. The XXXX stated all contact must go thru the CFPB since this is where the complaint was filed. I should not be subjected to segregation or discrimination for making a discrimination complaint with this agency.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: FIFTH THIRD REJECTED DIRECT DEPOSIT ON XX/XX/21 FROM XXXX XXXX. XXXX XXXX MAILED A CHECK THAT WAS DEPOSITED ON XX/XX/21. FIFTH THIRD BANK CONTINUES TO HOLD THESE FUNDS XXXX OF XX/XX/21. WHEN I SPOKE TO THE BANK THEY GAVE ME THREE DIFFERENT EXCUSES ON THE SAME PHONE CALL. ESSENTIALY THE PERSON HAD NO IDEA WHY FUNDS WERE NOT AVAILABLE. AFTER NUMEROUSE CALLS, THE BANK STATED A 7 DAY HOLD BECAUSE OF AN ONLINE DEPOSIT. THE ONLINE DEPOSIT SAYS IT WILL BE AVAIALBLE WITHIN 5 DAYS SO NONE OF THE EXCUSES GIVEN COINCIDE WITH ANY OF THEIR STATED POLICIES.
Company Response:
State: KY
Zip: 40391
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: We need Fifth third bank to provide proof and tracking number - There is nothin they can proof that the check was sent to IRS except their letter. IRS doesn't have the check. We can not try to close without resolving this issues. This is the worst discrimination.
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A