Consumer complaint received 2015-03-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Re Fifth Third Bank of XXXX, XXXX ( and corporate office in Ohio XXXX XXXX of my XXXX credit reports falsely reported I had a credit card account at Fifth Third Bank ; I never had any account at that bank. XXXX of the credit reports deleted it after I disputed it ; the other one would not delete it. 

When I tried to resolve this issue with the bank, I was shocked they told me yes, I am in their computer as I have had a credit card with them for three months. I asked them : " Do you issue credit cards from your bank to unemployed people? Because I was unemployed on such dates so how would I get a credit card from your bank? '' They said no, they do n't issue credit cards to unemployed people, so they will investigate. Then they sent me a letter and a package full of fraud. 

The letter attached dated XXXX XXXX, XXXX falsely claims I had : a ) a credit card from XXXX XXXX to XXXX XXXX, and b ) a savings account those same dates ; and c ) falsely claims a checking account from XXXX XXXX to XXXX XXXX, originally opened at " XXXX XXXX XXXX XXXX XXXX '' later acquired by Fifth Third. 

I have never even heard of that bank, and I do not keep my money in banks, but in credit unions. So all this information in their letter to me is false. The letter goes on to state : " the Bank does NOT have the signed application on file for the credit card account or the signature cards for the checking and savings account. '' Well, if you do n't have my signature on ANY of these accounts, and I am telling you I never had any of these accounts, then : you do not have any such accounts for me. ( But, XXXX credit reporting agency " accepts '' that nothing with my signature on file at a bank somehow evidences a credit card account, and so keeps reporting falsely I had a XXXX XXXX credit card. ) To my shock, the package this letter came in had a stack of documents allegedly from these non-existent accounts. According to these statements I have never seen before, I had a " XXXX XXXX '' account, a " Money Markey '' account, a " XXXX '' and a " XXXX '' account. I have never heard of any of these accounts. 

XXXX of the pages sent to me were " Intentionally Left Blank. '' Other pages were bank rules. On the bogus statement pages it appears someone lifted some charges from a credit union credit card account I had, and then, added some new charges not actually relating to me at all. These bizarro charges include the following : 1 ) " XXXX '' - Is someone claiming I filed an application to a university in XXXX? Because I do n't recall doing that. 

2 ) " XXXX '' - What is this? A {$100.00} charge for something international? What? 

3 ) " XXXX '' - What is this {$310.00} amount for this XXXX in XXXX, XXXX founded by XXXX? I do not know. 

4 ) What are all these online transfers? 

5 ) Where is " XXXX XXXX '' location as a Banking Center? 

And more fraud. I have attached the letter and highlighted the above examples of bizarro charges. 

The letter ends by saying I should now contact the Bank 's " Dispute Department. '' Why? I already told the Bank I never had any accounts with them. I already told them having my name in their computer is fraud as I never had any accounts with them. They already admitted they do not even have my signature on file for any of this fraud. And half the pages they sent to me in this package are " intentionally left blank. '' It seems to me like someone is trying hard to set me up to falsely accuse me of some type of crime, and these fake documents from Fifth Third Bank will somehow be used as evidence against me in a bogus criminal complaint alleging I do not know what. 

My mother had several accounts at Fifth Third. I did not. My mom has often wondered what happened to {$20000.00} she was supposed to receive from a lawsuit settlement on XXXX XXXX as they claim it was deposited into : Fifth Third.

Company response to consumer: Closed with explanation