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Fifth Third Bank / unauthorized credit request!

1 FL, United States Review updated:
Contact information:

I was out of town for a week - I get back and there's a handful of mail. It includes a rejection notice for a Fifth Third Platinum card I DID NOT REQUEST - complete with contact information for Equifax so I can find out why I didn't get the card I didn't request.

And in that same handful of mail is a FIFTH THIRD OPTIMUM MASTER CARD ready for activation - I DIDN'T REQUEST THAT EITHER!!

I'm desperate to rebuild my credit after a long illness, I do not need this PHONY CREDIT APP and UNINVITED NEW CREDIT LINE on my credit history!!!

How can a bank run a credit check and reject you for credit you DID NOT REQUEST?

This has to be illegal. I know it hurts your credit. I'm going to check into it.

All I can think is I was at the bank about a month ago and an employee suggested I get overdraft protection. I told her to send me information on it, NOT AUTOMATICALLY APPLY FOR IT ON MY BEHALF! I GAVE NO AUTHORITY!!!

And the card I received was NOT overdraft protection - although I could APPLY FOR IT IF I WANTED TO.

I'm thinking it's time to change banks. And if they don't make communication to Equifax and the other credit reporting agencies that they did this, not me - I'm going to call an attorney.

This is insane.

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  • Cl
      31st of Aug, 2009
    0 Votes

    I am looking to start a class action law suit but need your story

  • Ri
      17th of Sep, 2009
    0 Votes

    It happened to me. I was told by the fifth third bank personnel that they would provide a overdraft protection and I nodded in agreement. A few days later I get the rejection mail and a couple of phone calls from fifth third bank personnel again offering the same service. Days go by and nearly 2-3 weeks later I get this Fifth Third Optimum Gold card and without paying a lot of attention to it I follow the instructions on the card to activate it. Later when I called I was told that the card is not from Fifth Third bank but a third party on behalf of Fifth Third and that they are charging a yearly fee to maintain the card.

    This is ridiculous. Why and how and with whose permission did Fifth Third divulge personal information to third party. I have really not paid a lot of attention to the issue, but i sure am pissed at what happened. Taking a legal recourse is a time consuming option which is scarce.

  • Li
      28th of Nov, 2009
    0 Votes

    I have the same card and got it in the mail after purchasing a condo through 5/3rd. I never use the card only kept it to rebuild my credit. I just received a balance of 94 dollars on my card for yearly fees.
    I am really pissed and would like to help with the class action lawsuit.

    After purchasing my condo, I received a letter asking if I wanted to split my mortgage payments and pay half every two weeks instead of one monthly because it would save me money. Sounds great only 5/3rd signed me up with a bill payment agency. In order to drop them and accept the bi-weekly offer I have to pay $275 to stop the bill pay agency. 5/3rd should have disclosed this information at closing, if they were really concerned about its custumers and saving me money in the long run.

    Thanks for sharing.
    Linda S. in Ohio

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