Consumer complaint received 2020-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I received an unauthorized charge on my 5/3 credit card. I immediately contacted 5/3 bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}. 
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received from the thief, through XXXX XXXX, consisted of a fake business name, fake business phone number with an area code that does not exist, and a fake business Email address that is from a known spam Email server ( XXXX ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX  tracking confirmation order that did not contain my name or address. 
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX  directly and inquired about the transaction number on the XXXX  screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from XXXX XXXX, but from XXXX, by a Mr. XXXX XXXX. 
5/3 repeatedly presents fraudulent information received by a thief for the reason I am responsible for this unauthorized transaction. As 5/3 is currently being reprimanded by the FTC for opening fake accounts to deposit money stolen from their customers, their fraudulent activity is  nothing new. 
I, on the other hand, have more than six credit cards with XXXX   balances on any of them. 
I had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. 5/3 went against the FTC by not adding a comment to the delinquency notice that I disagreed with the fraudulent charge. 5/3 broke their written contract to me by sending information to the credit bureau while ongoing investigations were taking place. They also went against FTC guidelines by not completing the investigation in 90 days. They went against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction, when I presented to them 100 % proof the transaction was fraudulent. And 5/3 committed fraud themselves by presenting false documents to any and all credit watchdogs made aware of this matter.

I supplied 5/3with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have also submitted this proof, along with police reports to those to whom it may concern, as 5/3 is only interested in submitting KNOWN fraudulent documents and breaking contracts in order to stay afloat for a few brief moments before their illegal business practices force them to close. They sealed their fate with their illegal actions. My only mistake was dealing with the thieves and liars that make up 5/3 bank.

Company response to consumer: Closed with explanation