Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank Mastercard is falsely claiming that I am responsible for fraudulent charges made to my Fifth Third Master Card on XXXX, in the amounts of {$110.00} and {$15.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA even though I had never purchased anything from this business, been to that location, or ever had any involvement in any way with this business. 

In fact, I only became aware of these fraudulent charges when I my monthly credit card statement for the period of XX/XX/year> to XX/XX/year> and realized that the name of the company was a business with whom I had never had done business with or been to their location. 

I immediately contacted the credit card company to dispute the fraudulent charges and the representative said I should call the business and speak to the owner to find out why the charges were placed on my account. 

My home had just been burglarized on XX/XX/year> so I also called the investigating detective of the burglary, Detective XXXX with the XXXX, GA Police Department to determine if there could be any connection. Separately, we both called the owner find out about the fraudulent charges on my account. XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX XXXX, emphatically stated that his companydid not accept credit card payments for those small amounts and that I should disregard the charges. He also questioned why were we concerned with charges of {$110.00} and {$15.00} in what he considered to be such small amounts. XXXX also told me to have the credit card company to remove the charges since he stated that there was no way that I could have made those charges and that they should be removed from account. After the conversation with XXXX, XXXX XXXX wrote a police report for me to submit to the credit card company concerning the fraudulent charges and stated that the report should be sufficient proof that I was not responsible for the fraudulent charges and that they should be removed from my account. He also indicated to me that the name that the owner was using was an alias and that XXXX XXXX was not his real name. The owner 's real name was XXXX XXXX and that he was wanted by the police for multiple charges of internet fraud. 

All of this information was submitted to Fifth Third Bank Mastercard company in two separate disputes with the XXXX, GA Police report included in the second dispute submitted, but each time my request to have the fraudulent charges removed from my account was denied even with Detective XXXX 's description and explanation of what transpired with the fraudulent charges in the police report. The final letter of denial dated XX/XX/year> from the credit card company stated that this decision was final and a representative stated that I have no recourse in having the fraudulent charges to my account in the total amount of {$130.00} revoked or reversed and that I would be responsible for the payment of these charges. Each representative that I spoke to falsely claimed that the charges were my responsibility since the charges were made with a tap and pay card which would indicate that I was at the XXXX, GA XXXX, without even considering the burglary of my home which was completely ransacked with the perpetrator having access to all of the financial information strewn all over the floor. It has been many years since I was even in the XXXX area and have never used the services of or charged anything with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, GA. 

I have been a user of the Fifth Third Mastercard for almost three years and have never failed to pay for the charges that I have made with the card in a timely manner. The credit card statement that listed the fraudulent charges from XXXX XXXX XXXX XXXX XXXX XXXX had legitimate charges to my account in a substantial amount, which were all promptly paid in a timely manner. 

However, I refuse to support and condone criminal and fraudulent behavior and will not pay for these fraudulent charges. The fraudulent charges in the amount of {$130.00} has grown on my account to {$180.00} due to the interest accrued. 

I would appreciate your intervention in this matter to have these fraudulent charges revoked since an honest card holder who always pays his bills in a timely manner should not be held responsible for fraudulent behavior. There must be a voice of reason at this credit card company who will fully investigate this matter and realize that this act of fraud was likely perpetrated by the owner of this company who plainly state to me and the police detective that he did not accept credit charges for amounts under $ XXXX that I should disregard these charges since I have done any business with him or his company. Thank you. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation