Fifth Third Bank Credit Card Complaint

Bankruptcy

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.

Fifth Third Bank customer in Texas
Oct 15, 2015

* Source: CFPB Complaint Database

Fifth Third Bank response to complaint:
Closed with explanation

Created with Highcharts 4.2.3Fifth Third BankComplaint HistoryComplaints6/20135/201510/201500.250.50.7511.25Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3Fifth Third BankBankruptcy66.7%33.3%Closed with explanationClosed with non-monetary reliefSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageBankruptcy1.1%75.1%3.4%15.3%0.5%4.0%0.5%ClosedClosed with explanationClosed with monetary reliefClosed with non-monetary reliefClosed with reliefClosed without reliefIn progressSource: Consumer Financial Protection Bureau

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