Date Received: 2020-02-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX I received a phone call from a company saying this was their second attempt to contact me to sign for documents regarding a debt that they were collecting. When I called the number given to me back ( XXXX ) and gave them my case number of XXXX XXXX XXXX let me know that someone would be coming to my house to deliver paperwork about a debt that was going to be pursued and I had to sign the paperwork and legal action was going to be taken. I was told the debt was {$720.00} originating from Fifth Third from XXXX. She then said if I paid this amount over the phone and settled the debt then they would stop all legal action which could include a lean on my property, wage and income tax refund garnishments as well as revoking my license. The information that I was given regarding the company is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. When I XXXX this it is a XXXX Store. The paperwork sent to me while on the phone with XXXX and her bullying was enough to make me fall for this scam and I stupidly gave her my debit card information over the phone. It wasn't until I got off the phone that I actually had a moment to think and process this whole thing and realized I was scammed. The company does not come up on any XXXX search, neither does the phone number. I have called my back to try and dispute the charges and cancelled my debit card to prevent further fraudulent charges.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im trying to fix my credit report and it is not updated. My car loan shows different balance.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/debt/statutes-of-limitations/ scaring me to sue is against the law XXXX XXXX XXXX 53 bankUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule. Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX and XXXX ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. " A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. How Will the Tax Lien Change Affect My Credit? According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My car was repossessed by Fifth Third Bank in XX/XX/XXXX. I paid the balance of {$1000.00} which was to cover {$270.00} for the repossession fee, {$270.00} in past due payments, {$200.00} for my XXXX installment payment, and {$90.00} in late fees. I paid the bill in cash to my local branch in XXXX, TN. However, I still received a bill for my XXXX installment loan even though this should have been covered by the {$1000.00} I paid on XX/XX/XXXX. After contacting the loan department and being transferred to three different people who said I had been transferred to the wrong department I learned that the {$1000.00} had been applied to my principal only and not to the late fees and repossession fee as was indicated. I asked them to fix the payment to which I was told I had to call back the next day in order to speak with someone from the collections department who could fix this issue. In addition to this issue I still have never gotten an answer from the bank as to why I have a {$310.00} late fee that shows as a Check Loan Bill on XX/XX/XXXX even though at this point I had never missed a payment. I have been to two branch locations, talked with two managers, one bank representative, and countless people on the phone. None of which have been able to tell me why the Check Loan Bill occurs on my account. It is now 19 days since I was originally told someone would look into this issue and give me a call back and I have received no communication whatsoever about the reason this bill occurs on my account.
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I don't have dates but for a year this company has been harassing me by calling my employers and calling friends and family members. Last week they called my current boss and told him they were looking for me for a red light camera ticket in XXXX. I've never been to XXXX and since I am a XXXX XXXX my manager was concerned and forwarded me their contact #. I called them back in XX/XX/2019 and they said they were going to serve me and I never received any information. Now recently they are starting to call again. The debt is over 10 years old and doesn't show on my credit. They told me last week they were going to serve me at my job. After speaking to them the debt is from a bank as a payday loan was taking money from a old bank account I had.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Issue : I have switched my Mortgage Provider from Fifth Third Bank to different Lender. My Property Taxes were paid both by New Mortgage Company and Fifth Third Bank. I specifically called 53 Bank and asked them not to pay taxes. Since it was already paid by other Bank. This happened on XX/XX/XXXX. Still I did not receive the check from Fifth Third Bank yet. They were not able to find the check issued by county. I have been reaching them every week for the past 2 months but get different update every time. Finally They have assigned a supervisor for my case and even she is not responding to me. Her work number goes to Voice mail every time i call her. She haven't returned my call yet. Resolution Steps Taken : Follow up every week Conclusion : I'm very disappointed on waiting on check ( XXXX XXXX ) for past 2 months despite of constantly following up.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I submitted a mobile deposit through Fifth Third Bank on XX/XX/2020, and it is being withheld from being deposited until XX/XX/2020. This mobile deposit is a payroll check from my job! I need my money NOW to pay my bills I am behind on. It should not take 12 days to verify and deposit my payroll check, thats ridiculous! When I called Fifth Thirds customer service, they were very rude, the supervisor even said she would not help me, and there was nothing she could do. Wouldnt even try to release my check to were I could cash it somewhere else, this was even after I advised her, I am about to have my car REPOED if I dont pay my loan as soon as possible, my bill is due XX/XX/2020, and Im already behind from being on bedrest for two months!
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened two traditional Fifth Third Bank accounts and one Illinois Able specialized account but Fifth Third Bank is preventing me from activating my debit cards and denying me access to online banking. This is because according to Fifth Third Bank customer service representatives all new customers who open new accounts must wait 30 days for security reasons before they are able to use their accounts. But no such policy is made known to customers at the time of opening their accounts.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX withdrawals were made from my checking account without authorization first XX/XX/2019 {$1900.00} 2nd XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX these three I I have received credit back into my account 4th XX/XX/2019 was {$1000.00} I have not received and XXXX XXXX from Fifth Third Bank will not return my call all of these transactions came from a company called XXXX???
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have had a credit card with this company for several years and have never been late. I have been having problems since XX/XX/2019. I have been told a payment is not due or the payment due is not showing correctly on their website. I have made several attempts to make a payment and have been told several different amounts that contradict the other representative. I spoke with XXXX, XXXX, etc. I eventually returned a call for XXXX, a manager, but have not heard back from her. I have also been notified that my credit report has been negatively affected by this.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A