Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
Subject : Formal Rebuttal to Dividend / Fifth Third Bank Response Request for Further Investigation I do not accept Dividend / Fifth Third Banks response as a resolution to my complaint. Their conclusion that the loan is valid is based on assumptions that are incomplete and unsupported by sufficient evidence. I am formally disputing their findings and requesting further investigation. 1. Lack of Informed Consent At no point did I knowingly agree to a loan with an interest rate of 7.99 % or monthly payments of approximately {$600.00}. I was under the clear understanding that I was entering into financing through XXXX XXXX at significantly different terms ( approximately 3.99 % and much lower monthly payments ). A digital signature alone does not establish informed consent. I was not clearly presented with, nor did I knowingly agree to, a change in lender or materially different loan terms. 2. Alleged Notification of Lender Change Dividend states that an email was sent on XX/XX/year>, notifying me of a change in financing providers. This does not constitute consent. There is no evidence that I received, reviewed, or agreed to this change. Additionally, Dividend claims the loan was signed on XX/XX/XXXX, XXXXprior to this alleged notification. This raises a serious inconsistency : how could I knowingly agree to a change in lender before being informed of it? XXXX. Disputed Authorization of Payment Terms I dispute that I authorized automatic payments in the amount of {$600.00}. I did not knowingly set up or approve these payment terms. I am requesting documented proof of : - The exact date and method by which this payment amount was established - The device, IP address, and authentication details tied to this authorization - Any communication clearly showing my acceptance of this specific payment obligation 4. Request for Verifiable Evidence To date, I have not been provided with sufficient evidence to support Dividends claims. I am requesting the following : - Full DocuSign audit trail, including IP address, timestamps, and device identification - A complete copy of the signed Loan and Security Agreement as presented at the time of signing - Any and all call recordings or transcripts from XX/XX/year>, including the alleged conversation clearing a fraud alert - Proof of explicit consent to change lenders from XXXX XXXX to Dividend - Proof of explicit consent to the loan terms, including interest rate and monthly payment amount 5. Credit Reporting and Harm As a result of this disputed loan, my credit has been negatively impacted, and I have been placed into collections. This is causing ongoing financial and emotional harm. Given that this loan is under active dispute, I request : - Immediate suspension of all negative credit reporting related to this account - Removal of any derogatory marks already reported, pending the outcome of this investigation 6. Conclusion This matter is not resolved. Significant questions remain regarding how this loan was originated, how terms were presented, and whether proper consent was obtained. I respectfully request that the CFPB continue its investigation and require Dividend/ Fifth Third Bank to provide the documentation listed above. I am prepared to pursue this matter further if necessary. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation