Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to dispute a charge on my credit report that has greatly impacted my credit score in a negative way. The charge in question is for a XXXX XXXX XXXX filtration system that I purchased with XXXX XXXX and XXXX XXXX XXXX, who has the XXXX XXXX XXXX XXXX reporting to the credit bureau. The system has caused me to suffer from extreme dryness, cuts, sores and rashes on my skin due to the salt that the system uses. I reached out to XXXX XXXX and XXXX, XXXX and XXXX XXXX to resolve the issue and requested that the system be removed, but they have not provided any resolution and have not followed up on calls. The water with the system is not suitable for myself and my family, we can not even drink the water. To make matters worse, XXXX XXXX and XXXX XXXX has Dividend XXXX reporting late payments and requested a hard inquiry to the credit bureaus, which is negatively impacting my credit score even further. I am requesting that this inquiry and charge be removed from my credit report indefinitely and immediately with the time frame of 30days. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information in my credit report. Furthermore, the Consumer Product Safety Act ( CPSA ) requires that manufacturers of consumer products take steps to identify and address potential hazards associated with their products. XXXX XXXX and XXXX XXXX and XXXX XXXX failed to fulfill this obligation by selling a water filtration system that causes severe skin irritation and is not suitable for consumption. XXXX XXXX and XXXX XXXX actions have violated my consumer rights by failing to provide a safe and suitable product, failing to inform me of my right to cancel, and failing to address my concerns and provide a resolution. XXXX XXXX XXXX XXXX reporting of XXXX late payments and inquiry through Dividend Financial, to the credit bureaus is a further violation of my rights. The Federal Trade Commission 's ( FTC ) Cooling-Off Rule also provides consumers with the right to cancel certain types of contracts within three days of the transaction. XXXX XXXX XXXX XXXX XXXX XXXX did not inform me of my right to cancel and did not provide me with any opportunity to do so. My consumer rights were violated by XXXX XXXX XXXX XXXX failure to provide a safe and suitable product, failure to inform me of my right to cancel, and failure to address my concerns and provide a resolution. I purchased a product from XXXX XXXX XXXX XXXX which did not function as advertised, and I was subsequently charged for the defective product. I have reached out to the parties of which the equipment and contract are associated with. I have been informed that XXXX XXXX and XXXX and XXXX XXXX and XXXX, who were both a second or third party to this contract, have been out of business or removed from the contract months after installation. I am concerned that my communication attempts were not responded to because of this reason. Throughout the duration of this contract, I have also made several attempts on my own to find a solution to the problem of why my skin was so extremely irritated after the installation of the XXXX XXXX water filtration system. I had a water test done, I have had several doctors ' appointments and medications prescribed, I have had to hire a plumber, and contact XXXX XXXX water. The conclusive result is that the salt that must be used for the system as a softener is causing my skin to break out in severe lacerations, bleeding, soreness, dryness, itching, and red blisters. The system has not had any salt in it in about 3 months and my skin subsided to most side effects from the water. I have not had any cuts or bleeding or rashes. Additionally, the filtration system in the kitchen has not enabled me to drink or use it for cooking. I can not drink the filtrated water from the system. All these issues started after installation. I communicated with a representative who came to my home directly after installation that the system had not made a difference in my home and that my skin was drying out. She said to Give it more time because there are only XXXX people who live in the home. She refused to issue a refund at that time or address my concern in a productive way. I also received some products such as laundry detergent, shampoo, hand soap, etc..., that came with the filtration system but none of these products worked or proved to be effective as well. I never received any calls or follow-ups from the company to make sure the system was functioning properly. Despite my attempts to resolve the issue with XXXX XXXX, they have refused to refund me, and they have refused to remove the equipment. As a result, I am now disputing this charge and requesting that it be removed from my credit report. Dividend XXXX ( {$10000.00} ) has reported late fees and is continuously harming my credit. Please verify and validate all data for this account, all dates and balances whether reported or not. Through the provisions of the FCRA investigate and remove. My final attempt to resolve this issue with XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX, through my use of complaining to the BBB, was around XXXX XXXX XXXX XXXX. I first spoke with XXXX ( XXXX Assistant to the XXXX of the company ( XXXX ) XXXX. She directed me to XXXX who sent out a technician to test the water after I then also explained to her the damage from the system. The tech came and put salt in the filter which he admitted could be causing my skin irritation and he suggested that I cut the system all the way off and use the city water if my skin continued irritation after he refilled it. I spoke with the XXXX of XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, on the XXXX of XXXX as well. We spoke about the XXXX coming the following day and he said that the technician was supposed to test for grains, hardness, etc... I am not sure what the technician tested for but I was promised a follow-up call. I never received the call. I have evidence that shows and proves that the system is causing me harm. If the technician suggests me to cut off the system, that is just another indicator that I do not need the system because it is harming me. I respectfully request that you take immediate action to investigate and resolve this dispute. I also request that you provide me with written confirmation of the removal of this inquiry and any related late payments from my credit report. Thank you for your time and prompt attention to this matter. Sincerely, Consumer
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I made a purchase from a store in XXXX XXXX that I often visit the country. The store name was XXXX XXXX the very next day I took that purchase back because I couldnt fly home with it. They gave me a receipt and explain within 10 to 15 days the money review returned to my account about 21 days later my money didnt show up so I contacted the Dispute team from the credit card at fifth third bank. They expressed that the receipt was in XXXX the dispute team claim that they did an investigation, and determined that I did not take the product back. I later discovered there was no investigation, and the Dispute team gave me a XXXX denial the fifth third fifth third Dispute team shows a level of incompetence that is frightening Dispute team, representatives and supervisors .insouciant behavior is shameful as a US citizen using their services and complying with their terms of service. Fifth Third is obligated to do what they can to protect me their client from scams related to purchases and returns. Five months later I returned to the XXXX XXXX and went to a print establishment and they translated the receipt into XXXX and that receipt explains that there was a return made and gives an XXXX number for that return fifth third has still refused to return my money and denied me the proper protection as their client is supposed to receive now as a XXXX XXXX citizen, I question what is their motivation?
Company Response:
State: MI
Zip: 49037
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a check stolen in the mail and someone rewrote the check for {$1300.00}. They took it to XXXX XXXX and cashed it and of course fifth third bank ( my bank ) removed XXXX from my account. This happened on XXXX XXXX, XXXX. It shouldn't take 3 months or longer to correct this and return the funds to me. XXXX XXXX is dragging their feet on the investigation. I have filed a police report, a US postal report and domestic collections report at fifth third bank. The check was fraudulently cashed at XXXX XXXX and it's not my fault and I feel that I should be reimbursed immediately. Fifth third bank is telling me it could take 180 days and this is a ridiculous amount of time to withhold my money.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Advised legally to file a complaint as my XXXX mortgage company changed fixed terms that differ from my XXXX mortgage company without any real explanation after several attempts to contact.
Company Response:
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from XXXX that 5/3rd had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called 5/3rd and asked them what was happening. I had now attempted to make TWO payments, one not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules. My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail. I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, around XXXX or XXXX XXXX I received a call from someone claiming to be from the 5/3 bank fraud department saying my account was compromised. I asked to block my account. They said they would have to send a code to my cell phone to verify my identity. They send me the code and I read it back. Shortly after I noticed that I could not log in to my account. Had to reset my password. I also noticed 2 fraudulent money transfers on my account - 2 XXXX transfers to someone I did not know. I was NOT logged in to my account when it happened, I DID NOT authorize the transaction and I DID NOT initiate it. On Monday morning I went to the 5/3 bank branch to notify them about it. The XXXX transactions were still 'pending ' but they said they could not stop it. The bank closed my account and canceled my XXXX and XXXX cards. there were some other strange charges on my credit card ( shortly after ) as well, but since the card was canceled they did not go through. The bank has denied to give me the stolen money back - Case # XXXX The bank did not issue a provisional credit within 10 business day ( according to the E-Regulation ). I do not think the bank did a proper investigation. Otherwise they would see that a different IP address was used by criminals to log in to my account to steal the money and the phone number was spoofed. I am an elderly XXXX XXXX XXXX man on XXXX. The bank is violating the federal law which states : " On XX/XX/2021, the Consumer Financial Protection Bureau ( CFPB ) published eight Frequently Asked Questions about Regulation E and unauthorized electronic fund transfers ( EFTs ) and error resolution. EFTs and error resolution procedures have grown in importance as more errors are asserted by members and more complaints are being lodged by consumers against financial institutions. The FAQs clarify if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account, that does meet the definition of an unauthorized electronic fund transfer under Regulation E. The FAQs also point out a financial institution may not consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E. In addition, the FAQs state a financial institution may not require a consumer to file a police report as a condition of initiating an error resolution investigation ''
Company Response:
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: 53 bank applied overdraft protection to my account after I scientifically said I didn't want it now my account is overdrawn and I'm being billed overdraft fees daily in the amount of {$35.00}
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I canceled my credit card, after that I have a refund that XXXX made me to receive on this canceled card and a dispute that the bank owes me a deposit 5 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Ive been dealing with an issue with my bank. This issue has been going on since XX/XX/XXXX. This issue involves my credit card. Ive spoken to tons of people and regarding this issue, I keep getting told we are working on it. This issue is, I expressed my concerns back in XXXX of overpaying on my credit card, I asked them to go through all my bank statements to verify if I was overpaying. I went through personally all my bank statements for that credit card, and it added up to me overpaying over {$300.00}. A little later on in the month of XXXX my credit card showed that it was - {$360.00} I called the bank and they expressed that that means Ive overpaid that much money and it needs to go back into my checking account around that time they put that request in for it to be transferred to my checking account. I called the bank about another issue with my credit card. I was not able to use the credit card. I was told that there had been fraudulent charges on my account, and my credit card was locked me and the representative went through some of the bank statements and she asked me which transactions were valid and which ones werent. Come to find out there was four fraudulent transactions made on my credit card, at this time the credit card was paid off, so basically I paid off those fraudulent transactions without knowing there were four fraudulent transactions, two of them were for XXXX XXXX of them was for XXXX and honestly XXXX cant remember the other transaction. The lady disputed these transactions later on in the month of XXXX I received a payment to my credit card of {$450.00}, once they disputed those fraudulent charges, they close the credit card account. I told them that I did not want another credit card with them but the lady continue to open one. She said that I still needed to have a credit card for some odd reason, but she wasnt going to send me the credit card because I didnt want the account and she told me to let the credit card clear out of the transactions that were transferred over and then request for that account to be closed. There were three transactions that I made in XX/XX/XXXX, that I paid off immediately after I purchased. These transactions were made on the old credit card before they closed it. Somehow these transactions transferred over to the new credit card that they opened. The lady told me to wait for it to clear out and since I didnt want the credit card with them to request for it to be closed after the transactions clear out. Ive been calling and calling since XX/XX/XXXX for them to fix this issue. I spoke to someone in late XX/XX/XXXX. The lady finally knew what needed to be done and she was working on this very well. This lady kept in contact with me and told me this issue would be resolved on a certain day, that certain day I logged into my banking account online, the credit card account was gone. So i called the bank just to verify that everything was cleared and resolved, I was told by the representative that I still owe that money on my credit card, and that they close the account due to me, not paying on the credit card. I requested immediately to speak to a supervisor Ive been speaking with his supervisor and he said he was going to get this resolved. He need some time almost XXXX weeks later, he tells me that him and his boss have come to a resolution for this issue. The supervisor tells me that that money that was paid to me included those transactions that I made, he said I was credited for the money, and that I need to start paying on that credit card. Ive simply given him all the information on wet that payment was for. Honestly he told me that the {$450.00} equaled the XXXX of the transactions that I made, but paid off on the old credit card. Plus the XXXX of the dispute a transaction equaled up to that {$450.00}, I honestly told him that those numbers dont match so that shows that that payment wasnt meant for that, I also told him that if that was correct, where is the other three disputes that were made for those fraudulent transactions? I asked to speak to his supervisor, his supervisor was supposed to call me last week. Ive never heard from them cents.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A