Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX ( XXXX ) is  allowing merchants ( with DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/2019 (  SATURDAY ), I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/2019-tuesday, was XX/XX/2019-saturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XX/XX/2019-tuesday )  occurred on XX/XX/2019, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/2019 ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for XXXX XXXX XXXX, denied me access to XXXX, and unnecessarily exposed me to XXXXs ( not sure my last XXXX XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX Weight loss clinic defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week WEIGHT LOSS PROGRAM, they cajoled me to their office ( begging for money upfront ) and then denied me the appetite suppressant, refused me the 8 week XXXX INJECTIONS, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XX/XX/XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an IPHONE technical difficulty issue, refund amounts to {$1.00}. XXXX STORE OWES ME {$3200.00} for a defective XXXX product DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF XXXX   REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975. XXXX XXXX is  acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX   ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX MD, Phone : XXXX, Email : XXXX.

Company response to consumer: Closed with explanation