Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On and for the record, FIFTH THIRD BANK has been constantly harassing me regarding the debt I previously owed to FIFTH THIRD BANCORP associated with the financed automobile. On and for the record, this debt has been tendered as of XX/XX/XXXX as evidenced by IRS acceptance of my XXXX and my receipt of XXXX Copy B. Despite the IRS confirming that this debt has been tendered, FIFTH THIRD BANCORP has sent me a notice dated XX/XX/XXXX. This level of fraud committed by FIFTH THIRD BANCORP falls under UDAP Unfair Deceptive Acts and Practices and I am im fear of further unlawful acts committed agaisnt me by FIFTH THIRD BANCORP. 

After receiving confirmation that the IRS received and accepted the XXXX for discharge of the total balance of this debt, I did a UCC11 to ensure that FIFTH THIRD BANCORP removed their lien from the financed property in accordance with the law. The UCC11 search confirmed that FIFTH THIRD BANCORP removed their lien which substantiated this debt obligation. The fact that FIFTH THIRD BANCORP has removed the lien is further evidence that the debt has now been settled and I XXXX ; XXXX now can exercise my rights as the entitlement holder/appropriate person in regards to the negotiable instrument that I loaned to FIFTH THIRD BANCORP and I now have the rights as the holder in due course in regard to the negotiable instrument attached to the alleged debt as well as the financed property. Based on this fact, I have filed a UCC1 Lien on the financed property myself further evidencing that this debt has been settled and that I am now the legal holder in due course over the note and lawful owner of the financed automobile. 
On and for the record, I was pressured to tell an agent of FIFTH THIRD BANCORP that I am experiencing financial hardship to avoid being coerced into making additional unlawful payments at their request via debit despite FIFTH THIRD BANCORP already being in possession of my credit which tendered this obligation. This was my best attempt to avoid an unexpected unlawful repossession of my automobile depsite the fact that the total balance has been tendered and I have liened this property and I am now the lawful owner and Holder in due course. I am in fear that FIFTH THIRD BANCORP may commit Unfair Deceptive Acts and Practices by unlawfully attempting to steal my liened property despite the fact that the IRS documents attached to this notice confirm the discharge of the alleged debt and despite the lien filed against the property.

On and for the record as stated in lrevious notices after tendering tbe total balance attached to this debt obligation, I RESCIND AND REVOKE the following specified sections of the consumer contract between me and FIFTH THIRD BANCORP. Section ( s ) 3d. where I voluntarily gave authority to FIFTH THIRD BANCORP to Reposses the vehicle, 3a. which states You may owe late charges 3b. Which states You may have to pay all at once, 3c. Which states You may have to pay collection costs 3f. Which states that We will sell your vehicle if you do not get it back. Also, I RESCIND AND REVOKE section 2c. where I granted security interest to FIFTH THIRD BANCORP of vehicle and the negotiable instrument ( s ) any and all portions of the contract between me and FIFTH THIRD BANCORP where I granted FIFTH THIRD BANCORP a security interest in the financed property.

Company response to consumer: Closed with non-monetary relief