Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is now the XXXX time I am having to file a complaint against Fifth Third Bank for inaccurately reporting my secured credit card ( account ending in XXXX ) because they are now caught in covering up obvious bank errors are are actively furnishing deceptive information to the XXXX, and to the CFPB in their replies suggesting this account was closed on XX/XX/XXXX, with XXXX late status, ( as claimed in their XX/XX/XXXX, response to my prior CFPB complaint ( ID XXXX and in my previous complaints. ) Notice also in the previous response that XXXX XXXX XXXX office of the President of Fifth Third Bank ) only provided a few months worth of statements cleverly stopping at XXXX of XXXX. This is selective evidence omission and proves even more willful bad faith and attempted cover up. In this complaint I will include ALL of the information that they are afraid to let the CFPB see, making it undeniably obvious that they are engaging in willful deception. 

I REJECT their response, as statements from XX/XX/XXXX to XX/XX/XXXX show no mention of closed or " account closed '' and in fact they document ongoing activity including things that only happen to open accounts such as late fees, interest charges, payments being posted, and adjustments being made, proving the account was very open and active until and through XX/XX/XXXX. 

Detailed Evidence of Ongoing Account Activity : Fifth Thirds claim that the account was closed on XX/XX/XXXX, is contradicted by the following monthly statement details, which show continuous fees, interest, payments, and adjustments, with no indication of closure :XX/XX/XXXXXXXX {$0.00}, payment {$340.00} ( XX/XX/XXXX ), adjustments totaling {$47.00} ( interest adjustment {$12.00}, late fee adjustments {$35.00} from XX/XX/XXXX ). No closed mention. The payment and adjustments cleared the balance, verifying and proving active and open account management. 

Total Activity Post-Claimed Closure ( XX/XX/XXXX ) : Late Fees : {$230.00} ( XXXX : {$35.00} ; XXXX : {$40.00} each ). 

Interest : {$37.00} ( XXXX : {$5.00} ; XXXX : {$3.00} ; XXXX : {$3.00} ; XXXX : {$4.00} ; XXXX : {$5.00} ; XXXX : {$6.00} ; XXXX : {$6.00} ). 

Payments : {$640.00} ( {$300.00} in XXXX, {$5.00} in XXXX, {$340.00} in XXXX ). 

Adjustments : {$47.00} ( XXXX : {$12.00} interest, {$35.00} late fees ). 

These charges, payments, and adjustments, SPANNING XXXX MONTHS AFTER THE ALLEGED " CLOSURE '' are obviously inconsistent with a closed account. All statements include standard payment and late fee warnings, only included with active accounts, and lack any closure notice. 

XXXX XXXX for XXXX XXXX : According to industry practices, as outlined by the Consumer Financial Protection Bureau and credit reporting guidelines ( e.g., XXXX XXXX format used by XXXX XXXX XXXX ), a closed account is XXXX that is no longer active, with no further transactions, charges, or payments permitted. Closed accounts are reported with a status code ( e.g., XXXX for XXXX or XXXX for voluntarily closed ) and typically show : A final balance of {$0.00} or a charged-off amount. 

No new fees, interest, or adjustments post-closure. 

A clear statement or notice of closure in account communications ( e.g., Account Closed on statements ). 

Fifth Thirds statements violate these standards : Ongoing late fees ( {$230.00} ) and interest ( {$37.00} ) from XX/XX/XXXX to XX/XX/XXXX indicate the account was treated as not only open but very much active. 

Payments ( {$640.00} ) and adjustments ( {$47.00} ) through XX/XX/XXXX show continued account management. 

No statements mention closed or include a closure notice, violating industry practice. 

FCRA Violations : Fifth Thirds actions violate the FCRA : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate Reporting : By reporting the account as closed on XX/XX/XXXX, despite documented activity ( fees, interest, payments, adjustments ) through XX/XX/XXXX, Fifth Third furnished inaccurate information to credit reporting agencies ( XXXX ), harming my credit report and leading to a home loan denial in XX/XX/XXXX and contributing to major health issues. 

FCRA 623 ( b ) Failure to Correct : Despite my disputes ( CFPB complaints XXXX XXXX, XXXX, XXXX, multiple disputes via the XXXX and disputes to the bank directly ), Fifth Third failed to conduct a reasonable investigation or correct the inaccurate reporting, as evidenced by their XX/XX/XXXX, letter engaging in cover up by denying errors and omitting all XXXX statements. 

Multiple Violations : Each inaccurate report to XXXX XXXX XXXX XXXX across multiple months, constitutes separate violations, potentially totaling XXXX ( based on reporting cycles and disputes ). 

Evidence of Bad Faith : Fifth Thirds conduct demonstrates bad faith, warranting punitive damages : Selective Evidence Omission : In response to CFPB complaint ID XXXX, Fifth Third provided only XXXX XXXX statements, deliberately omitting XXXX XXXX statements that show {$230.00} in late fees, {$37.00} in interest, {$640.00} in payments, and {$47.00} in adjustments. This withholding misrepresents the accounts active status and obstructs fair resolution. 

Ignoring Disputes : Despite XXXX CFPB complaints and direct disputes, Fifth Thirds XX/XX/XXXX, letter ( and referencedXX/XX/XXXX, letters ) dismisses my claims without addressing XXXX activity, suggesting willful negligence. 

Continued Charges Post-Closure Claim : Charging fees and interest for XXXX months after the reported closure date, without notifying me of closure, indicates deceptive practices to maximize revenue while misreporting to CRAs. 

Impact and Damages : The inaccurate reporting caused : A home loan denial in XX/XX/XXXX, impacting my housing plans. 

Emotional distress from prolonged disputes and financial setbacks. 

Financial costs, including over {$90000.00} in lost wages. 

Potential statutory damages ( {$1000.00} per violation, up to {$14000.00}, FCRA XXXX ), actual damages ( loan denial losses ), and punitive damages ( {$120000.00} {$220000.00}, based on bad faith ).

Company response to consumer: Closed with explanation