I recently went through weeks of harrassment by 5/3. I got a call from a 'collection agency'. They were making up lies and telling me I had $400 that was past due on a loan. They gave me false information, an address that was 15 years old, and then told me that I lied on my loan application.
Well turns out, this 'collection agency' is an internal department of 5/3. I switched car insurance and my insurance agency didn't sent them a certificate. 5/3 purchased insurance and wanted me to pay for it.
I sent them all my insurance information, but continued to get multiple daily phone calls from the 'collection agency' saying that it was going to court.
It took ten phone calls to 5/3 customer service to get them to stop AFTER they received the information they wanted.
I will never do any kind of business with 5/3 again.