Fifth Third Bank Credit Card Complaint

Fifth Third Bank Credit card department,

Bankruptcy Texas

I filed for bankruptcy in -/-/- and was granted a discharge of all debts. In -/-/- I pulled my - credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with - and on -/-/- - reported that Fifth Third bank verified with them that the account is being reported accurately. On -/-/- I contacted Fifth Third ( - ) and spoke with - - who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to - ( Bankrupcty Dept. ) who told me he would look into my concerns. On -/-/-, - called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to - and -. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.