We purchased an RV through Fifth Third Bank, in 2004. We ALWAYS made our payments ON TIME, and even PAID MORE than our loan payment amount. In 2005, I became disabled from a stroke, and was unable to work. We moved to a warmer climate, for my health. We had jobs already lined up, however, the company that we worked for (I worked "as I could"), went through a tough time, and had to let us go. Nonetheless, we kept paying Fifth Third Bank, as usual, since we were LIVING in the RV. THEN came the economic downfall, crashing down. We simply had too much debt, and were forced to file CH7 Bankruptcy.
The RV was DISCHARGED in the bankruptcy in 2005, yet we still needed a place to stay, and continued to pay the debt, VIA EFT,(AUTO-PAY), for five more years...eventhough it was NOT a reaffirmed debt.
Then in August, 2010 I had another stroke. We had reestablished our credit, and I wanted to keep it that way...so we WERE making ADDITIONAL payments. At that time, we could not afford the "additional payment", so I went online to stop the additional payment, and accidentally stopped the automatic recurring payment. I had no idea, until I received a call from INVESTIGATOR "NORTON"....who stated that he was working with Fifth Third Bank, and our citys' POLICE DEPARTMENT! He stated that Fifth Third Bank was demanding a full payoff of the "alleged debt" on the RV, or "we needed to start packing our things, because they were coming to get it". I tried desperately to explain the mistake...WE WERE NOT EVEN 30 DAYS LATE!...(Technically, we were not "late" at all, since the debt was DISCHARGED in the 2005 bankruptcy)...Nonetheless, the Investigator gave me a number to call and speak with BRADLEY BRUCE from Fifth Third Bank.
I called, and attempted to make payment arrangements with them, but Mr. Bruce would have nothing to do with a "compromise"...even after I explained what had happened, and I offered to catch-up! He demanded a pay-off amount, that far exceeded what could even be possible. I demanded a statement of all payments made, and demanded that the statement itemize where each and every cent was allocated. He hung up on me.
Then the harassing phone calls began...like THUGS! We spoke with an attorney, and was assured that we did not owe them ANY MONEY, however, they (Fifth Third Bank) had every right to repo the RV, after following proper protocol!....Fifth Third Bank HAS NO IDEA OF PROPER PROTOCOL!
I called them back, once again. I told one of their collections thugs that they could have the RV, since it was infested with black mold, from poor manufacturing....but that we just needed time to find another place to live. They were ruthless about that too, So...I explained the Fair Debt Collections Practices Act of 1963, the Federal Trade and Commerce regulations, and the protocol of the former creditor, post bankruptcy, citing the US Codes, and demanded another STATEMENT OF ACCOUNTABILITY, explaining that BY LAW they are REQUIRED TO STOP COLLECTIONS ACTIVITY AND SEND THE STATEMENT...Did that make a difference? NO! These people are liars, thieves, cons, thugs and words I should not write here.
They began pulling HARD credit inquiries, in the multiples, lowering our credit scores. Legally, they had NO RIGHT to do that...THEY SHOULD HAVE JUST COME AND GOT THE DAMNED RV! But NO, they opted to threaten, be abusive and relentless in their demand for MONEY!...Money that we did not OWE them!...Duh, Fifth Third Bank!...CHPT 7 Bankruptcy full discharge, means THE FORMER DEBTOR DOES NOT HAVE TO PAY! In fact, even though we continued to pay, and they, (Fifth Third Bank) NEVER sent us one single statement during the entire five years, they COULD HAVE come and repossessed the RV at will.
In spite of their predatory terrorist tactics, and progression in hiring HOLLINS LAW FIRM, to represent them to "get their money"...(yeah, right)...we DID find a place to live quite comfortably.
To top it all off, the law firm asked me to fax them our bankruptcy paperwork!...again...DUH!...LAW FIRMS HAVE READILY AVAILABLE ACCESS to all court cases, since they often use them when defending, or prosecuting and refer to case laws....ie: Morton vs Fifth Third Bank, or U.S. Bankruptcy Supreme Court vs Jack and Jane Doe, on behalf of creditors. I am not even an attorney, and I know that! So...is their law firm also corrupt, or just another VICTIM of the illegal, immoral, unjust, scams of Fifth Third Bank?....I believe that Fifth Third Bank just LIED to the law firm, since they (Hollins Law), stated that they had no idea that there was a bankruptcy discharge involved, AND that we WILLINGLY OFFERED TO TURN OVER THE RV to Fifth Third Bank!
Poor Hollins Law Reps HAD NO IDEA! so...we held on to the RV, WAITING for Fifth Third Bank to come and get it, and they never did!...Unfortunately for them, it is now the property of our county, since it was impounded, because we had no place to park it, in order to ensure it's safety, while waiting for Fifth Third Bank to come and get it.
I am not sure how all of this will work out, but, the RV IS A BIO-HAZARD...AND Fifth Third Bank IS JUST A HAZARD! STAY FAR AWAY FROM THESE LIARS, CROOKS AND THIEVES...NOTICE MORE THAN 510 NEGATIVE REPORTS AGAINST THEM....If they are so innocent, why so many credible complaints, and at least five class action law suits against them?
We are not finished with them yet...We had to pay out of our pockets, the impound fee and citation...for an RV that Fifth Third Bank DEMANDED MONEY OR THEY WOULD REPO...BUT THEY JUST SAT IN THEIR OWN s**t!....How is that working out for you, Fifth Third Bank? I have EVERY RECORDED MESSAGE from your thugs, witnesses, to your illegal tactics and have made very clear notes, regarding the multiple Federal and State laws that you have broken!...Not to mention, the stress that your thugs put me under, caused me to have another stroke! Hope it all works out...FOR US! YOU CAN KISS MY ....well...I don't like you enough to let you and your thugs get close enough to me to kiss anything! You might think that you are a giant tower of power, but, as we all know...towers CAN BE BROUGHT DOWN! WHERE IS THERE AN ATTORNEY, THAT HAS THE TENACITY TO STOP THESE CRIMINALS?...I, am going to another site and start another class action law suit against them...anyone want to join me?