Debt collection -- Communication tactics -- Complaint #4780824
Complaint Overview
Complaint ID: 4780824
Company: Fifth Third Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Texas
ZIP Code: 76134
Date Received: 2021-10-05T12:00:00-05:00
Date Sent to Company: 2021-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am XXXX XXXX the consumer defined in Truth in Lending Act as a natural person, not a dead corporation. FIFTH THIRD BANK has violated numerous consumer right violations. I XXXX XXXX recently sent a cease and desist certified mail and I will attached the receipt and return receipt. They still contacted me through mediums like USPS which is a violation of the FDCPA of my cease and desist and mail fraud. I entered in a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2021. The attached documents will show you that I was charged a finance charge of {$8900.00} which is the sum of all charges. So I shouldn't be responsible for paying on anything other than a finance charge. Truth and lending never define what a loan is so why is XXXX XXXX XXXX sending me bill of costs with positive balances saying I should pay them for a loan which is also misleading information. A loan is the obligation of the United States of America. I do not pay on positive balances. A debt collector defined in FDCPA means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. FDCPA states that debt collectors can not acquire consumers location without the consumer consent. I never gave XXXX XXXX my information. I gave it to XXXX XXXX TX, XXXX and not XXXX XXXX XXXX. XXXX XXXX XXXX also violated my consumer rights under FDCPA by trying to threat me to make payment or they will take my property. XXXX XXXX XXXX said they are not governed by the FDCPA which is false and misleading information which can result in FIFTH THIRD BANK Being Liable for damages. FIFTH THIRD BANK sending documents saying they will seizure, garnishment, attachment, or sale of any property is a FDCPA Violation that results in my remedy. FIFTH THIRD BANK sent me coupon book. Defined in Truth in Lending Act 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My debt should be paid by my coupon books. FIFTH THIRD BANK also reported negative and misleading information on my consumer report after I send a cease and desist order.
Frequently Asked Questions
What is Complaint #4780824 about?
Complaint #4780824 was filed against Fifth Third Financial Corporation regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-10-05T12:00:00-05:00.
How did Fifth Third Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Fifth Third Financial Corporation?
Yes, visit the Fifth Third Financial Corporation company profile at readthecomplaint.com/company/fifth-third-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.