Consumer complaint received 2023-04-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ive been dealing with an issue with my bank. This issue has been going on since XX/XX/XXXX. This issue involves my credit card. Ive spoken to tons of people and regarding this issue, I keep getting told we are working on it. This issue is, I expressed my concerns back in XXXX of overpaying on my credit card, I asked them to go through all my bank statements to verify if I was overpaying. I went through personally all my bank statements for that credit card, and it added up to me overpaying over {$300.00}. A little later on in the month of XXXX my credit card showed that it was - {$360.00} I called the bank and they expressed that that means Ive overpaid that much money and it needs to go back into my checking account around that time they put that request in for it to be transferred to my checking account. I called the bank about another issue with my credit card. I was not able to use the credit card. I was told that there had been fraudulent charges on my account, and my credit card was locked me and the representative went through some of the bank statements and she asked me which transactions were valid and which ones werent. Come to find out there was four fraudulent transactions made on my credit card, at this time the credit card was paid off, so basically I paid off those fraudulent transactions without knowing there were four fraudulent transactions, two of them were for XXXX XXXX of them was for XXXX and honestly XXXX cant remember the other transaction. The lady disputed these transactions later on in the month of XXXX I received a payment to my credit card of {$450.00}, once they disputed those fraudulent charges, they close the credit card account. I told them that I did not want another credit card with them but the lady continue to open one. She said that I still needed to have a credit card for some odd reason, but she wasnt going to send me the credit card because I didnt want the account and she told me to let the credit card clear out of the transactions that were transferred over and then request for that account to be closed. There were three transactions that I made in XX/XX/XXXX, that I paid off immediately after I purchased. These transactions were made on the old credit card before they closed it. Somehow these transactions transferred over to the new credit card that they opened. The lady told me to wait for it to clear out and since I didnt want the credit card with them to request for it to be closed after the transactions clear out. Ive been calling and calling since XX/XX/XXXX for them to fix this issue. I spoke to someone in late XX/XX/XXXX. The lady finally knew what needed to be done and she was working on this very well. This lady kept in contact with me and told me this issue would be resolved on a certain day, that certain day I logged into my banking account online, the credit card account was gone. So i called the bank just to verify that everything was cleared and resolved, I was told by the representative that I still owe that money on my credit card, and that they close the account due to me, not paying on the credit card. I requested immediately to speak to a supervisor Ive been speaking with his supervisor and he said he was going to get this resolved. He need some time almost XXXX weeks later, he tells me that him and his boss have come to a resolution for this issue. The supervisor tells me that that money that was paid to me included those transactions that I made, he said I was credited for the money, and that I need to start paying on that credit card. Ive simply given him all the information on wet that payment was for. Honestly he told me that the {$450.00} equaled the XXXX of the transactions that I made, but paid off on the old credit card. Plus the XXXX of the dispute a transaction equaled up to that {$450.00}, I honestly told him that those numbers dont match so that shows that that payment wasnt meant for that, I also told him that if that was correct, where is the other three disputes that were made for those fraudulent transactions? I asked to speak to his supervisor, his supervisor was supposed to call me last week. Ive never heard from them cents.

Company response to consumer: Closed with non-monetary relief