Date Received: 2023-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my current home over two years ago at a guaranteed rate. Shortly after my load was sold to the 5-3rd bank. I have PMI as I put less than 20 % down. I have made substantial improvements to my home, like the kitchen, bathroom, all new flooring, baseboards, crown molding, interior paint and new lawn and irrigation. My home has appreciated over the two-plus years as well as I have spent considerable money on upgrades. I contacted the bank on XX/XX/2022 to see about getting the PMI removed. I have contacted the bank over 20 times online through chat or on the telephone directly, trying to get an appraisal on my home to get a true value for the home and eliminate the PMI charge based on more than 25 % equity. They continue to say I need to fill out a paper again, or we didn't receive that paper and we received the paper on the 30th, even though I have an email from the bank saying it was received on the 30th. I have sent the same paperwork in to them 3 separate times. I have been at this for 6 months!!!!!!!!!!!!! I need help. Can you help me, please?
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am the executor of my fathers estate I called Fifth Third bank and explained I am out of state and I can not go in person to close my dads account The bank provided no method of closing a deceased persons account besides going to the branch which I can not do
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Fifth third bank has a non profit account in which I was assured would not have service fees as it is a non-profit account for XXXX XXXX XXXX XXXX. This account was to never have service fees for any reason per the sales person at XXXX. Starting XXXX of XXXX this account starting accruing a service fee of {$25.00} a month. This was not discovered until a non sufficient notice-because of service fees-was sent. Upon making the bank aware of this they reimbursed only 5 service fees of 20 that should have been returned. The response from the bank was that they could only go back 5 months. No reason only could go back 5 months. 2 branch managers and 2 customer service agents would not provide any more feedback or any other reasons for the service fees other than a code showing service fees dropped in error. This is an account for a non profit involving high school students and because of covid this account sat. There was no one checking the account-why would we there was no service fees, right? I have been working with XXXX XXXX XXXX and he has been " helped '' by his manager XXXX XXXX, XXXX. Phone XXXX. I have attached the statement showing the start of the fees and the statement showing only 5 returned.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect and Unfair Reporting of Account Dividend Solar Finance Dear Sir/Madam, I have made multiple attempts to get this information corrected and removed off of my credit report. At this point it is becoming more and more obvious that this company is deliberately sabotaging my credit, which is completely illegal. I have not been provided any reason or excuse as to why the account still remains open after XXXX business days. It continues to show an overdue balance and is continually reporting delinquent. I was promised and assured that it would be removed after 30 days of full payment was received. Several people at Dividend that I spoke with multiple times gave me that specific information. XXXX person I spoke to was XXXX. Now, I am making another attempt to formally dispute the inaccurate and unfair reporting of an account on my credit reports with XXXX and XXXX. The account in question is with XXXX XXXX XXXX and it has not been correctly updated to reflect the payment I made on XX/XX/XXXX, which has resulted in continuous delinquent reporting on my credit report. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ). These laws have been enacted to protect consumers like myself from unfair and erroneous credit reporting practices. The inaccurate reporting by XXXX XXXX XXXX, not only violates these laws but also damages my creditworthiness and financial standing. Here are the specific details regarding the incorrect reporting : Account Name : Divided Solar Finance Account Number : LGxxxxxxxx Date of Payment : XX/XX/XXXX Late Payment Status : Incorrectly showing delinquent with XXXX late payments, open balance, over due balance. I have made multiple attempts to rectify this situation by contacting Divided Solar directly and disputing the account through XXXX and XXXX. Despite their assurance that the account would be updated after 30 days, the incorrect information continues to be displayed on my credit reports. In accordance with FCRA Section 609, I kindly request that XXXX and XXXX investigate this matter thoroughly and remove the inaccurate information from my credit reports. The basis for my dispute lies in the following grounds : Violation of FCRA Section 623 ( a ) ( 2 ) : Divided Solar Finance failed to report the payment made on XX/XX/XXXX, which has resulted in an inaccurate and misleading representation of my credit history. Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The continued reporting of late payments by Divided Solar Finance is unjustified and unfair, especially considering the circumstances surrounding the late payments. I explicitly requested forgiveness for the late payment in light of the Covid-19 regulations that were implemented during the relevant period. As a consumer, I am well aware of my rights and the protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. The CARES Act, enacted by the federal government to provide relief to consumers during the Covid-19 pandemic, includes provisions concerning late payments and credit reporting. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors are required to provide accurate and complete information to credit reporting agencies. This statute imposes a duty on Divided Solar to report accurate and up-to-date information regarding my account. As a consumer I have every right to take action and be compensated for any malicious tactics used against me to harm my credit. They have failed to fulfill this obligation, causing significant harm to my credit standing. I kindly request that XXXX and XXXX investigate this matter within the XXXX time frame stipulated by the FCRA and provide a written response with their findings. In the event that the investigation reveals the inaccuracies in the reporting, I request that the incorrect information be promptly removed from my credit reports. Please find enclosed copies of supporting documents, including proof of payment made to Divided SolaXXXX on XX/XX/XXXX and any correspondence related to the account. I believe this evidence will substantiate my claim and aid in the swift resolution of this matter. I trust that you will handle this dispute with the utmost urgency and diligence, in accordance with the laws and regulations put in place to protect consumers. I appreciate your attention to this matter and look forward to receiving a favorable resolution. Thank you for your prompt assistance. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect and Unfair Reporting of Account Dividend Solar Finance/ Third Fifth Bank Dear Sir/Madam , I am writing to formally dispute the inaccurate and unfair reporting of an account on my credit reports with XXXX and XXXX. The account in question is with Divided Solar Finance and it has not been correctly updated to reflect the payment I made on XX/XX/XXXX, which has resulted in continuous delinquent reporting on my credit report. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ). These laws have been enacted to protect consumers like myself from unfair and erroneous credit reporting practices. The inaccurate reporting by Divided Solar Finance and Third Fifth Bank, not only violates these laws but also damages my creditworthiness and financial standing. Here are the specific details regarding the incorrect reporting : Account Name : Divided Solar Finance Account Number : XXXX Date of Payment : XX/XX/XXXX Late Payment Status : Incorrectly showing delinquent with XXXX late payments, open balance, over due balance I have made multiple attempts to rectify this situation by contacting Divided Solar directly and disputing the account through XXXX and XXXX. Despite their assurance that the account would be updated after 30 days, the incorrect information continues to be displayed on my credit reports. In accordance with FCRA Section 609, I kindly request that XXXX and XXXX investigate this matter thoroughly and remove the inaccurate information from my credit reports. The basis for my dispute lies in the following grounds : Violation of FCRA Section 623 ( a ) ( 2 ) : Divided Solar Finance failed to report the payment made on XX/XX/XXXX, which has resulted in an inaccurate and misleading representation of my credit history. Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The continued reporting of late payments by Divided Solar Finance is unjustified and unfair, especially considering the circumstances surrounding the late payments. I explicitly requested forgiveness for the late payment in light of the Covid-19 regulations that were implemented during the relevant period. As a consumer, I am well aware of my rights and the protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. The CARES Act, enacted by the federal government to provide relief to consumers during the Covid-19 pandemic, includes provisions concerning late payments and credit reporting. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), creditors are required to provide accurate and complete information to credit reporting agencies. This statute imposes a duty on Divided Solar to report accurate and up-to-date information regarding my account. However, they have failed to fulfill this obligation, causing significant harm to my credit standing. I kindly request that XXXX and XXXX investigate this matter within the XXXX time frame stipulated by the FCRA and provide a written response with their findings. In the event that the investigation reveals the inaccuracies in the reporting, I request that the incorrect information be promptly removed from my credit reports. Please find enclosed copies of supporting documents, including proof of payment made to XXXX XXXX on XX/XX/XXXX and any correspondence related to the account. I believe this evidence will substantiate my claim and aid in the swift resolution of this matter. I trust that you will handle this dispute with the utmost urgency and diligence, in accordance with the laws and regulations put in place to protect consumers. I appreciate your attention to this matter and look forward to receiving a favorable resolution. Thank you for your prompt assistance. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: started XXXX with the first notice from Fifth Third Bank. l explaned up front that l have never used XXXX with their bank. Someone hacked my bank account through XXXX. they withdrew the money from the accts of three banks and a credit card. all funds were given back except for Fifth Third Bank that l am still struggling to work with, but their decision became final, stating that l had to have given them a passcode, of which l did not. they reopened the case a couple times with the same results. ln the beginning they gave me a portion of the money back, putting it into a new acct. and that was taken out of the new account again through XXXX before l could get into my ''new '' checking acct. Everyone l talk to at Fifth Third says that they know that it was fraud, they reopen the case and then l receive another letter of denial with the same decision blaming myself for the mishap. l have tried everything possible without any success. l am still getting phone calls from a fake fifth third bank phone number and they even leave a message! l have pictures of the numerous caller ID 's that show up on my home/cell phone. l have also saved messages. l believe they are trying to get me to answer the phone so they can get back in. When they call it shows up, 5/3 Bank. lf Fifth Third calls from a branch it shows up spelled out. l believe that l answered the phone when the hackers called and that's how they got into my banks through my computer or cell phone. They, as of XXXX, are sending to collections from an ''auto-withdrawal that went throgh.
Company Response:
State: MI
Zip: 49506
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized debit transactions on an Able account for my XXXX son : First Occurrences ( card activated via phone and stored in home safe. Never used online or at a store ) - XX/XX/2023 and XX/XX/2023 charges were made, {$3.00} each to XXXX XXXX XXXX XXXX, Georgia. Contacted Fifth Third Bank. They temporary reversed the charges and opened investigation. Card cancelled and re-issued. Second card activated via phone and used only once legitimately to buy shoes on XX/XX/2023. ( Card has never been used online. ) Second Occurrence - Three charges plus foreign transaction fees to XXXX ( {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and an XXXX charge on XX/XX/XXXX. All three also have foreign transaction fees ). Fifth Third Bank has opened an investigation. My concern is that Fifth Third Bank is not taking strong steps to correct their problems with debit card information. Their response has been to blame it on online bots " guessing '' the card number, date, name, CVV, and expiration date. They also sent a letter encouraging me to sign up for " fraud protection '' with monthly fees.
Company Response:
State: NE
Zip: 684XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XX/XX/2022 a sales representative from XXXX XXXX came to my home. Myself and my VA caregiver husband were there along with the sales representative XXXX XXXX. We both applied for a loan for solar panels. We were told the interest rate would remain the same and payment would stay the same while electric costs would just rise. I did not sign for this loan. The sales representative filled out information for it in the beginning. That is not my electronic signature. I have communicated multiple times to Dividend that this is a fraudulent loan. Even via XXXX. They processed the loan despite me telling them and writing to them that for 1, the item the loan was for was ( and still remains ) not fully installed and 2, I never agreed to nor signed for this loan.
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint against Fifth Third Bank. I have been trying for months to remove my PMI as my loan to value ratio is around 55-60 % and the company has ignored me for months. I finally got through to them and they tried saying my property is at 83 % LTV and are making me pay for an appraisal. Just to be done with it I accepted and sent the documentation and they have yet to get back to me again. They are blatantly stealing from me when my property is worth between XXXX and my amount owed is XXXX. This is occurring by answering me very late and by not having removed my PMI yet.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A