Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I requested my {$500.00} back from a secured card. Instread i got a bunch of statements that blatantly contradict what is on my credit report, and can not get the bank to close this account for good. I was supposed to be closed in XXXX. Now they have stated that money went to another one of my accounts, but it did not. Unfortunately I do not have the statements from then to disprove this. Anyways, they show {$500.00} dollara going into, and then back out of the closed account in XXXX. Yet they cant provide me with where the money came from or went to. It only appeared when I requested my security deposit back. Now my Credit report shows it was again used in XXXX, yet the report shows it was closed in XXXX. How is this not against FCRA rules? And now I'm getting a lot of alerts from XXXX Identity Theft Protection regarding data breaches, ALL pertaining to existing Debit Cards at Fifth Third. I also, for the fourth time now, have noticed an old debit card that was closed due to fraud, reappearing in my account, with an option to change the pin, but I never am able to, even though I know the old PIN. And when I call about it, they just tell me it was never taken off my account. But after all the fraud I've endured, I am positive is was, for years, then a card will reappear.. This time its a card that had a substantial amount of fraud, and also now causing my personal data to trigger alerts from the dark web.... 
How can a credit report state the closing of an account, and also state activity for that account or card many years later? And a card which I do not have, can not change pin to, and can not access said account? 
Furthermore, in regards to Fifth Third opening unauthorized accounts, which I have submitted ample evidence of such towards me, why have they not contacted me regarding restitution per the lawsuit with the CFOB? I literally sent a copy of an email from a Fifth Third Banker stating she opened an extra account without my authorization. And Fifth Thirds response letter stated " We opened that account for direct deposit capabilities '' ... I NEVER USED THAT ACCOUNT FOR DIRECT DEPOSITS. NOR DID I AUTHORIZE A {$3500.00} XXXX, OR SIGN FOR THAT. I WAS OVER XXXX MILES AWAY ON THAT DATE. yet I still can not get them to produce ANY signed authorizations for any ACH transfers, XXXX, Direct Deposits, Bill pay authorizations... NOTHING Anytime I show sufficient evidence that reflect Fifth Thirds unfair business practices, I get a ridiculous and outlandish excuse from the bank, that seems to be accepted by regulators, and regulators or anyone trying to assist telling me its proof, but that makes it a legal matter... 
i cant help but wonder what the percentage of the population is that can afford to sue a bank worth over XXXX XXXX.... Im told I need at least {$60000.00} just for a retainer... 
Even when I have a statement that clearly shows a direct deposit that is listed under withdrawals instead of deposits, I still cant get reimbursed...

Company response to consumer: Closed with explanation