Date Received: 2018-06-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX My brother called me urgently to say someone from a firm called XXXX XXXX XXXX XXXX XXXX had called him and needed me to contact them urgently about debt collection. I called them with my case number and spoke to a XXXX XXXX, a paralegal from this firm in XXXX, XXXX ( at least that is the name he told me ) he proceeded to tell me by telephone that I was being given a summons/complaint against me for not paying debt to Fifth Third Bank that was from XXXX and we are in XXXX, and in my state of XXXX the statue of limitations is 6 years. He proceeded to tell me the statue of limitations is 7-10 which is a lie. The only debt that comes to mind is something that I already paid off that same year in XXXX and paid in full, meaning the debt was already settled. But he tried to convince me it wasn't, when I told him I had been out of the country for 10 years and can not confirm this debt and to please provide me documentation he told me that they had been sending it to my residence, and address I haven't lived at for more than 10 years with a drivers license that opened the bank account, he had my social security number and told me they had been sending letters for months. I told him I do not reside nor have I resided there, and I had been out of the country and this could possibly be identity theft, he then proceeded to become very aggressive, using profound language and told me that if that this will become a misdemeanor on my credit report, that when we go to court I will have to pay attorney fees, plus the amount, and also if I can not pay they will put a lean on my wages, repossess my car, tax on bank levy because this account had become delicuent and Fifth Third Bank in ohio was demanding repayment. When I told him I wanted debt verification in written form he told me it would be at the courthouse in XXXX county, XXXX, and I could pick up all documentation there. I told him maybe it was best he could speak to my lawyer, and he became even more aggressive and insulting in which I had to ask him to please calm down and the way he was speaking to me was inappropriate very aggressive. He gave me not details on the account and only told me it was passed on to them from {$620.00} at the bank and now with interest was at {$1400.00} but would not provide me any proof of debt verification. Finally, I asked him what my options were and he said I am only calling to tell you that this will be filed in court by next week, in which I still did not have confirmation of why I was being sued and for what for. I proceeded to ask if a settlement was possible in which he changed his tone immediately and I told him I do not have the money to pay which he said he would be happy to do a three way call with a relative who I would have to borrow from to explain the same thing he told me. He then had his " administrator '' XXXX XXXX, send me a docu sign, with grammatical errors and incorrect dates and also asking for my credit card information and also the three digit code on the back to be paid to a XXXX XXXX XXXX. I told him I needed until Monday to review and speak to my relative so he sent me a " settlement demand proposal '' and proceeded to tell me that as soon as I pay, my credit score will be changed and told me I should take out a credit card to help my credit score, and then told me that I can write off the interest that I pay from the accumulation on my taxes which does not have any relevance. I have taken the time to research my legal rights, contact various lawyers that sue for illegal debt collection, who have all told me that this firm has broken the law and is not legal, this firm doesn't even have a website, and the people I supposedly spoke to are no where on the internet, I couldn't even find this name on the internet anywhere. I looked up the address listed on the settlement proposal for the firm, and it belongs to car accident attorney firm that is not even close to having the same name as this debt collection law firm. I have mailed a debt collection verification letter to the address provided, and also scanned and faxed to their number they gave me. However, I am sure that this is not a legitamite debt collection agency, and also I am sure that I do not owe any debt to fifth third. Firm is called XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone : XXXX XXXX and fax : XXXX XXXX, if it is legitimate upon receiving my debt verification letter they will need to verify my debts and then can proceed.
Company Response:
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2017 we tried to refinance our home with the student loan and 5/3rd home equity. We weren't able to because 5/3 reported that our home was in foreclosure. I tried several time to contact someone to help me. Final after being on hold for 3 hours and transferred to 15 different people. I finally got someone to talk to me. 5/3rd admitted my credit report was incorrect and sent me a letter. Then I started the refinance process again and was on hold with XXXX trying to prove what the letter said from 5/3rd bank was correct. I finally got the re-finance to got thru. I have a statement stating that I owe {$26000.00} and 5/3rd bank says the pay off balance is {$31000.00}. Once again i'm on hold with the bank for about 2.5 hours with no resolutions and no reason why.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false. Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed? I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either. I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I ordered a XXXX report and I was reading it and it said Inquirer : Fifth Third Bank XXXX XXXX XXXX XXXX, XXXX, OH XXXX ... XXXX Inquirer Date XX/XX/2016 I never requested any banking, credit card or loan with Fifth Third! I appreciate all your help getting this resolved! Thanks, XXXX XXXX
Company Response:
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/XXXX at XXXX EST I received a threatening phone call from someone who claimed they were with a " local courier '' by the name of XXXX XXXX. He left a voicemail stating that I better be available between XXXX tomorrow and that he would be going to my place of employment first and if I was not there would be speaking with my supervisor to find out when my next shift would be. He also indicated that he would then proceed to go to the homes of family and friends to locate me. He stated that I would need two forms of ID and a witness to sign for these documents. At the end of the voicemail he provided me with a phone number for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and a " case number ''. Upon calling XXXX XXXX XXXX with this information I spoke with XXXX who informed me that they were a mediation firm working on behalf of Fifth Third Bank. He stated that Fifth Third had found me to have committed fraud for my own personal gain and that they were moving forward with court proceedings at which time I would owe {$810.00}. I explained to him that I currently have an account with Fifth Third Bank and was curious as to why they had not contacted me about this old bank account. He stated that they contracted with them for mediation on it and that it had been in default with them since XX/XX/XXXX. I asked him what the amount would be if I paid today. He placed me on hold for 10 minutes and then came back to the phone and stated I could make a payment arrangement for 3 payments of {$180.00} or I could settle for a one time payment of {$270.00}. I advised him that I would settle but that I needed confirmation that the date was settled and advised him that he needed to contact this " private courier '' company to notify them because I did not want them showing up at my job, my house, or the home of my friends and/or family. He agreed to email me this notification which I have attached to this complaint. As soon as I got off the phone I contacted Fifth Third Bank to let them know about my experience. The representative that I spoke with stated that they wouldn't have any information about the account since they sold it to a debt collector. I told her I was very upset and ready to cancel my current accounts with them because of this to which she replied " Well that doesn't have anything to do with Fifth Third. '' I told her of course it does, you sold the debt to this company and they contacted me with threats. I called the FTC to file a complaint about this private courier for XXXX XXXX XXXX and gave them the phone number I received the call from, however when you call the number it states to email any inquiries to them at their website and conveniently does not give you a website. I called XXXX back at XXXX XXXX XXXX and attempted several times to get the information for this " private courier '' but he refused stating that they did not have this information. I explained that I intended to make a complaint with the FTC about this company and I needed their contact information. He continued to refuse and stated that they don't work directly with them but that he could report it back to the attorney. I then asked for the attorney 's contact information so that I could get the information myself, he refused to provide me with that as well. I informed him that since he was not willing to provide me with this information that I would be filing a complaint with consumerfinance.gov and his response was " Well if that's what you feel you have to do. ''
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: received a voicemail Wednesday XX/XX/XXXX at XXXX via phone number of : XXXX ( XXXX ) XXXX, stating the following : " this message contains a personal note is for we are calling to make you aware that there has been a complaint filed on your name you have an opportunity to contact the filling party and handle this on your round to stop further action they can be reached at your case number is XXXX, failure to respond will result in further action to a solution ''. They called again today XX/XX/XXXX XXXX from the same number advising that they could confirm my last four to my social as well as informing me I have a balance of {$790.00} due to Fifth Third Bank from XX/XX/XXXX. That I would need to make a payment today, I have two options : 3 months paying XXXX, or XXXX in full. I stated no I would like verification and was told that at this point it would be unnecessary, and I could get proof of debt once I agreed to make a payment now, or set up a [ payment plan with a card. I asked for a name and address and was told for their own protection they do not give out that information, I could have my lawyer call. I spoke with XXXX at extension XXXX. He was able to provide me with a different reference number outside of what was left on my voice mail of " XXXX ''. He asked if I was able to make an installment of {$50.00} and again biweekly until balance of {$390.00} was paid in full, advising me that I had until XX/XX/XXXX.
Company Response:
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Two days ago I called XXXX & XXXX to cancel all of the mailings I had been receiving the number of years. I got letters about business ratings. I sold my business and the current owners were getting my XXXX & XXXX letters and it was a nuisance. XXXX & XXXX would not grant my request without my giving them my SS number. I refused. There was no need for them to have it. I was doing no business with them. Today, as I checked my credit report, I see a hard inquiry from XXXX XXXX, which happens to own XXXX & XXXX. I called XXXX XXXX to dispute and was told I need a letter of deletion from XXXX. The phone # for their info takes me to the mail room. I was giving another number to call. That just put me in a run around with no human contact. I tried another number, got a person, told my story, told they did not have permission to do a hard inquiry, that I needed a letter of deletion. I was told that in order to get a letter, I needed to give them my SS #. I said NO. If they did the fraud by making a hard credit inquiry, gave themselves access to my credit history, who knows what else they could do and why would I trust them with my SS #. So I received no satisfaction what-so-ever and I am the one with the undeserved point drop in my credit score.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied online and was approved for a Fifth third credit card on XX/XX/XXXX. On XX/XX/XXXX two fraudulent charges totaling almost {$1400.00} were made on my XXXX card. According to the XXXX Rep, the charges were for airfare to XXXX via XXXX I've had to cancel the XXXX card. It seems like too much of a coincidence that the day after I apply for one bank 's credit card my other credit card gets hit with fraudulent charges. How can I be sure that Fifth Third or the credit reporting agency didn't leak my info?
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My life has been turned upside down. Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A