Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A finance account with Dividend Solar Finance was open by my ex-wife using my personal identity information. The account was established on XX/XX/2023 for XXXX. I was not present nor did I authorize any business dealings with this company. I discovered this account when it was reported on my credit report for missing payments. I contacted the company and learned that the account was set up in person by an representative from XXXX XXXX XXXX. XXXX XXXX XXXX is the company that performed the bathroom remodeling that was financed by Dividend Solar Finance. I have never met or had any knowledge of any of these companies until my credit report alerted me. I have a copy of the financial contract that has my name signed on it however it is not my signature. The representative from XXXX XXXX XXXX should be able to answer the question of what form of identity was used by the person they got to sign for this loan. I was on official government travel in XXXX GA on XX/XX/2023 and was not in the state of North Carolina
Company Response:
State: NC
Zip: 27909
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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: My credit card debt was already settled with Fifth Third Bank on XXXX of 2018. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). In spite of me producing the below disclosure, FIFTH THIRD BANK, NA still has not deleted/removed the old and closed information from my report : FIFTH THIRD BANK, NA Acc # XXXX. Late Payments : XX/XX/2018, XX/XX/2018, XX/XX/2018. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was paying the Annual fee for XXXX On Behalf of a family member from my Fifth-Third debit card. The family member Died and I wanted to CANCEL the payments to XXXX who told me that without email access to the XXXX account there wasn't any way the payment method could be RemovedStopped, so I must dispute the charges with my bank ( see attached email-unfortunately XXXX did not send me a transcript of my " online chat '' ) I filed a Dispute with Fifth-Third bank Case # XXXX XXXX XXXX. They responded that they could NOT refund the debited amount because according to Fifth-Third the request was not submitted in a 'timely manor ' although I submitted the dispute as soon as I saw it on my account and XXXX had been notified ( Since nobody has access to the deceased persons account the billing can NOT be cancelled according to XXXX ) then I spoke with the Fifth-Third disputes department via telephone and they stated they could NOT stop future debits on my account from XXXX from my account
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: all payments listed as late are covered by COVID contract signed and have to be set to on time for the 2 year period.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Different people call from this number saying they are fifth third bank looking for XXXX XXXX. I have told them that its not his phone number. I've asked what do you want and they ask address, birthday, and once they feel I'm not telling the truth they end the call. I've told them to stop calling. I've told them, " take me off your call list ''. I've said how would they like it if I called them twice a day everyday. They just tell me to have a nice day. When I block the call they are still able to leave a VM message.
Company Response:
State: MI
Zip: 48906
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/23, XXXX Discord XX/XX/23, XXXX XXXX XXXX Both times I contacted fraud department and disputed. Received new debit card. These debit cards have both been compromised on XXXX side. The XX/XX/XXXX charge was for a card Ive never used. They are not reporting a breach but it is very much appearing as if they have XXXX. This is an ABLE account which is for XXXX people and we dont have another bank option or Id leave this bank. Theyve placed a warning on their site about fraudulent streaming charges on cards that havent even been activated. Whats the point of activating if the card is being stolen and used before its even activated.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Fifth-Third bank owns Dividend Finance. Dividend Finance is using fraudulent forged documents to pursue money from me and my wife. They illegally drafted money from my checking account. I never authorized anything with them. In XXXX of XXXX my XXXX veteran wife and I applied for a solar loan with a representative in our home, on our WiFi. We never used his laptop. Neither my wife, XXXX XXXX, or myself ever saw any loan information or agreed to any loan terms. It was strictly to apply. We had no reason to believe this person was lying to us and trying to defraud us. My wife did not sign the loan XXXX, I did not sign the loan XXXX. The only person filling out the loan information was the sales representative. My wife made Dividend aware as soon as she found out fraud had occurred. It was never investigated, Dividend used the forged documents to state the loan was valid and an excuse of " answered questions ''. I was there, he did ask us questions and we both answered we thought it was part of the loan verification since both of our credits were supposed to be frozen. It turns out that my wife 's XXXX file only was not frozen due to XXXX error which she is dealing with. That is why it does not appear on all three credit bureaus or on my credit report because the sales representative took both of our information and we honestly did not even know until later about it not having both of our names. We were defrauded. Dividend Finance was informed and has not completed a fraud investigation.
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. Sincerely, XXXX XXXX
Company Response:
State: IA
Zip: 528XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I'm disputing transactions that were done on my 2 savings accounts and checking accounts. It appears that my accounts were hacked from XXXX. Money was transferred and XXXX out to different people/ organizations. Also about XXXX was spent at XXXX XXXX These transfers and transactions are totaling XXXX. I have been disputing with fifth third since XX/XX/XXXX and have appealed it 2 times and was denied again. As they are saying because my card has a chip, I authorized all of this. I absolutely did not. There were transfers from my savings to my checking accounts and then sent via XXXX XXXX ( which I don't have that app as of 3 years ago ) and send through XXXX XXXX transfers from savings to checking for XXXX, XXXX, XXXX XX/XX/XXXX a XXXX transfer for XXXX and XXXX XXXX transfers from XXXX account to another and then sent out for the amounts of XXXX XXXX ( XXXX ) XXXX XXXX More XXXX sent in the amount of XXXX ( XXXX ) XXXX XXXX XXXX transfers from savings account to checking then sent out XXXX transfers from my savings to checking XXXX transfers from savings to checking This was all transferred and sent to different people and organizations either via XXXX, XXXX XXXX XXXX purchase made.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My complaint goes back to complaint number XXXX that was to have been solved. The letter of resolution sent to CFPB from Fifth Third Bank states that once the loan is paid off, they will remove my name off the loan. If you ready my original complaint, you will see that there is no legal loan agreement therefore my name should not be on any loan associated to XXXX XXXX. The letter also states that they would cease reporting to the credit bureaus. This did not happen and now my credit is affected. I need help from CFPB resolving this matter.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A