Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank is purposely reporting inaccurate information to the major credit bureaus violating the FCRA and the automatic stay in Bankruptcy. I sent a letter to Fifth Third Bank on XX/XX/XXXX requesting that they correct the erroneous information. Fifth Third Bank responded to me on XX/XX/XXXX stating In order to fully respond to your issue, we have opened issue XXXX. An email with our response will be sent to the email used for this issue. However, in some cases, it may be necessary to mail a letter to you at the address on file within twenty-five ( 25 ) days. As of today XX/XX/XXXX, Fifth Third Bank has yet to make any attempt to resolve the issue and continues to report inaccurate information to the credit bureaus. 
I disputed Fifth Thirds reporting of inaccurate information with XXXX on XX/XX/XXXX. Fifth Third Bank responded to XXXX that there information was correct and then they reported that the last payment made was in XX/XX/XXXX, derogatory and closed. The following month Fifth Third Bank reported that the last payment made was XX/XX/XXXX, and that the account is derogatory and closed. Fifth Third Bank should delete the account reporting if they can not report the account accurately. 
My mortgage account with Fifth Third Bank is OPEN not closed, paid on time, no payments are behind, not derogatory. It was opened in XX/XX/XXXX at {$47000.00} and has a current balance of {$20000.00}. 
I disputed Fifth Third Banks erroneous information with XXXX in the beginning of XX/XX/XXXX and after 33 days the erroneous account was removed as I sent proof of payments and current balance along with my current mortgage statement from Fifth Third Bank to XXXX. 
I disputed Fifth Third Banks erroneous information with XXXX on XX/XX/XXXX, XXXX and Fifth Third Bank has yet to respond to XXXX. I submitted mortgage statements directly from Fifth Third Bank to XXXX with my dispute for proof. 
My mortgage payment to Fifth Third Bank is paid directly to Fifth Third Bank, it is NOT paid in my chapter XXXX plan to the Trustee. There were no arrearages before I filled Chapter XXXX on XX/XX/XXXX. There is NO PMI, and no escrow for taxes or insurance and no payments have been late. 
To make matter worse, I received a mortgage statement from Fifth Third Bank dated XX/XX/XXXX which says I owe {$1300.00} by XX/XX/XXXX which includes {$1000.00} in post-petition bankruptcy attorney fees plus my monthly payment amount of {$320.00}. Fifth Third Bank is charging me post-petition Bankruptcy attorney fees that have not been approved by the bankruptcy court. Fifth Third Bank should not have sent me a bill for these fees. The XX/XX/XXXX mortgage statement states {$300.00} for bankruptcy attorney fees on XX/XX/XXXX and bankruptcy attorney fees on XX/XX/XXXX in the amounts of {$300.00}, {$140.00}, {$95.00} and {$230.00}. If you add those fees together the amount is {$1000.00}. 
Fifth Third Bank needs to correct there inaccurate reporting of my mortgage account immediately or delete the account from the credit bureaus immediately if they are unwilling to correct. Fifth Third Bank should also seek approval from the Bankruptcy court if they think that they are entitled to any post-petition bankruptcy attorney fees and not bill me for those fees stating that I must pay them by XX/XX/XXXX. Again, the mortgage did not have any arrearages prior to filling, no PMI and no escrow and the mortgage is paid directly to Fifth Third Bank. XXXX XXXX owns the note and Fifth Third is the servicer. XXXX XXXX will not reimburse Fifth Third Bank for bankruptcy attorney fees as the mortgage was not in default and had no arrearages prior to filing Chapter XXXX so Fifth Third Bank is trying to make me pay. 
I am attaching my mortgage statements from Fifth Third Bank for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for your review to resolve this matter. I am also attaching the communication I sent to Fifth Third Bank requesting they correct there errors and the response I received back from Fifth Third Bank.