Fifth Third Bank

Someone stole my visa card and received DirecTV with it. They didn't need the pin number. I have never had DirecTV. Now the bank sold the account to a debt collector and they want the amount of almost $900. I called DirecTV, faxed them my bank statement to see if they could find who received the service and where they installed the service. They will not contact me back. The creditors are going to take me to court and I don't know what to do.

Fifth Third Bank is probably the worst bank about fees. There managers are young kids who are order takers.

The bank gave me a run around about my loan. Steven ** asked me to leave his bank. I was upset. No one could my answer my questions. No one cared if some of the people who work at your bank do not care about the average customer. I have been a customer from 1971, I was treated badly. I would not recommend your bank to anyone.When I am able I plan on taking my money out of your bank. I know that the bank doesn't care about my problem.

On February 9 between 9AM and 9:30AM, I deposited my check at 1119 West 8 street Fifth Third Bank in downtown Cincinnati, OH. I forgot my iPhone 3GS at the place where you write the checks. I called the bank and the manager, her name is Cassandra **, told me there is no phone. I asked if they can check the camera. She said they have no access to the camera. I like to, if they can, check the camera on 2/9/12 between 9AM to 9:30AM. My phone cost around $300 and I have all me information. I am a customer with Fifth Third Bank for more than 10 years.

I had a check bounce and when asking why I was told my account had been frozen 1/9/2012. The manager would not or could not tell me who was causing this. I asked to see a court order authorizing this. He said all he had was an email instructing him to freeze my account. He advised me to call their legal department. Legal told me they mailed a notice on 1/9/2012. As of 1/28/2012, I still have not received notice of any action. I have since ordered credit reports and see that I have been a victim of identity theft. Fifth Third charged ME $80 to put on this anonymous freeze and bounced check charges also. Until I can wrest this information from the bank. I cannot take appropriate steps to combat the identity theft.

I have been a customer of 53rd Bank since they took over First Charter. This is the worst bank I have ever had the displeasure of banking with or dealing with. I have submitted at least 10 or more complaints about numerous errors and customer service yet have many of them continue to happen. I even forwarded an email to the President of 53rd Bank. They have ** up my charge cards, and added fees that I was not made aware of. They have let others cash checks at the 53rd location after my purse was stolen, all accounts closed and a police report given to them. This is the most careless bank I have ever had the displeasure of using and I will let everyone I know how bad this bank is! Do not, I repeat, do not use this bank or trust them with your monies.

This bank has very poor service. They required a $150 prepayment penalty on my auto loan after a four-year payment history with high interest rate. They can not ever make enough money off customers when they have you at a disadvantage. I will not ever do business with them again!

I have four accounts with Fifth Third: two savings, one checking, and one business account. For some reason I receive two certified letters in the mail along with a new credit card that I just opened up with Fifth Third as well. The letters are telling me that they are forcing me to close my accounts and with no explanation at all. I have called and asked multiple times to speak to someone in charge and I am refused that right. For some reason no one has any idea why they have decided to shut down my accounts. One person that I spoke to basically told me that when I signed my name on these accounts that I pretty much relinquished any rights that I have to keep my accounts open.

At this point I had to contact my attorney. This is a violation of my rights and this also serves as a class action law suit. I am not the type of person to take legal action, but in this case I am. This will be blown out of the water. How wrong is this for Fifth Third to send me a letter telling me they are shutting down my accounts and refuse to tell me why.

I absolutely have been victimized and I will stand my ground on this one. If it wasn't for my business partner wanting to open up a business account at this bank, I never would have stepped foot in the door to do so. I've always heard terrible things about this bank and now I know why. Shame on Fifth Third for doing this to people. It is wrong and unjust. The BBB has been contacted and others will be as well. This is not a threat. I've given everything to my attorney and this matter will be taken cared of. Hands down I win!

Deposit is $800 was put in on 1/14. I had a balance of $97. On Tuesday, 1/17, I had five transactions totaling $561.73 which cleared before my $800 deposit was credited. When I checked today I have a pending $100 overdraft fee placed on my account. I called Fifth Third and it is the bank's policy to process debits before processing deposits. Had this been done in reverse (remember I had put the deposit in on Saturday 1/14) this would not have happened. The best they could offer is a 50% refund tomorrow after the charge has been processed. This is wrong since I had this money there all along.

I only keep my 5/3 account open for one monthly withdrawal for $15.00. I had $14.92 in my account, so I deposited $10.00 cash last Friday despite only needing less than $1.00. I called today to see if the item had been deducted. I found that they did not even credit my cash deposit as cash deposits are directly credited. I called and got the excuse that the transaction had to be routed to the downtown bank for "processing". Processing? Cash? I demanded to speak to a supervisor and was told she was on break and to call back. I refused and demanded to speak to the person in charge. He told me that my cash would be credited tonight at midnight, after the debit came through for the $15.00 which will cause me to bounce for less than .10.

I asked the manager if they didn't just have to pay out millions for a class action lawsuit for overdraft fraud. I told him he would watchdog my account to ensure that I did not get any charges and that I was calling the Attorney General's office and the FDIC. Is there also a new class action lawsuit in the works as I want to be a part of it! These thieves need to be stopped and the people need to stand for their rights.

I was charged overdraft fees when my "pending" balance went in the red. My direct deposit hit the next day and my "outstanding" account balance to end the day was never in the red. Last I checked, the definition of pending means it has yet to happen. After a long discussion with the customer service rep, I had to agree to disagree. As an even bigger slap in the face, the rep told me they added the "pending" balance to benefit the customer, when, in my opinion, it only benefits the bank's pockets. Before the pending feature arrived, no overdraft fees would have ever been issued. This is nonsense and proves even further the banks are getting out of control.

I had a savings and a checking account with Fifth Third Bank and I went to close the account. The teller told me instead of being penalized for closing it early to leave $50.00 in both of the accounts for 2 months and I wouldn't be penalized. I then asked her if that would cover all the fees for the next 2 months and she replied yes.

After the 2 months were up to just come in and close the account. After the first month I got a letter in the mail saying the account was over drawn and I owed them $100.00 which I thought was odd because I didn't touch the account for any money. So off to the bank I went, I asked to talk to the bank manager he told me a Tammy from the Daytona branch would call me but she never did.

Two more times I went to the Port Orange bank to straighten this out to no a vale, so at this point went to see Tammy and she was either unavailable or not there she will call you which she never did. 6 times I went to Fifth Third Bank to straighten this out, next thing I knew this was in collections. Every time I called their corporate office, they passed me back to collections, even the people in collections didn't think it was right what they did to me.

If i don't pay them another $100.00 they are going to ruin my credit, nothing like a little blackmail from your local bank. They even signed me up for some credit check that I didn't know about. All I got was bounced around when I tried to solve this matter.

In all honesty, I have to say that our local Fifth Third branch is excellent. However, I would like to warn business owners to never use Fifth Thirds charge card processing. They will happily give you voice approval for questionable purchases and then lie and deny that they ever did so when the transaction proves fraudulent. This cost us in excess of $10,000!

I cannot get any help on online banking. I keep getting responses. I can't respond to because they say "do not respond to this email." I call customer service and am on hold forever. They won't even deal on lowering my mortgage rate. I switched homeowner policy and Fifth Third will not respond as to what to do with the refund that my old insurance carrier sent me. I think this is rude.

Recently, I was charged an overdraft fee for $26.32 that went through overnight while a direct deposit of $1,169.73 also went through. The bank explained to me that I was overdraft for 6 hours, therefore which warranted a $37 overdraft fee. My online account showed that I was never overdraft, but the bank refused to reverse the fee. Nothing was done. I was still charged a $37 overdraft fee.

Repeatedly raped by 53 overdraft system. Appears that even a cash deposit meeting a check withdrawal on the same day rates major overdraft charges. Hmm... Something distinctly inappropriate about that. My other bank extends overdraft courtesy, but does not ever charge for same day cash deposits. Besides being assaulted every time one enters a 53 Bank to add services, the system at 53 Bank is built on an extremely deficient business model. I do not want a credit. I want an overhaul of this extortion that 53 perpetrates on customers. I've pulled all my business accounts out a couple of years ago. Plan on doing the same soon with my residual checking account. 53 - earning the "Bankster" title with every transaction executed.

The worst bank ever! Beware! Do yourself a favor and bank elsewhere! Don't ever be late on a mortgage payment with Fifth Third or they will call you and your spouse 20 times a day each even if you're only a week late! They even call on Christmas day. I feel sorry for their employees! I think every time my phone rings don't they know their 50 phone calls a day is not making the money appear any faster! Then when you do want to make your payment. they question you as to why you're late (as if not having the money on time wasn't good enough).

After 20 minutes of interrogation, they finally agree to let you make a payment for a fee of course. They charge you $18 each time to make any payments over the phone unless you open a checking account with them and who wants a checking account with a bank that has no locations within 200 miles. They also do not let you pay online (unless you have said checking account with them) so basically the only way to pay is to make sure your payment is mailed two weeks in advance (because it takes them two and a half weeks to process your payment regardless). I have had my mortgage with much better banks then this. Fifth Third is the worst of them all! I can truly say I hate this bank.

We have filed complaints with the Better Business Bureau as to why Fifth Third bank (as a mortgage customers of theirs) can not let us pay our monthly mortgage payment without a ridiculous fee. They have been sent letters and their lame reply to us and BBB is that we have the option to mail our payment so that should be good enough. We haven't filed the phone call harassment yet but that will be next. It is not appropriate for a business to call someone 20 times a day regardless of the situation!

I could not make my payment, so a friend took over payments, then she speed making payments. I talked with them & they harassed me daily. Once I finally got the vehicle back and was going to make a payment, they were totally unavailable suddenly, even to make a payment.

On November 2011, I went to the bank and talked to Mr. ** to ask him what I owe to close the account because the account was in the overdrawn. He gave me the amount of $240 which I paid in cash the same day. The cashier gave me a receipt and showed him the receipt and told him that I wanted the account closed that day. He then informed me it will because I paid overdraft fees. The reason I wanted my account closed is because funds had been taken from my account without my knowledge, and Mr. ** knew this because I had informed him of the problem.

Now the account is still open and it is in overdrawn again because this same company went through information of my account again without my knowledge which caused it to be overdrawn, and it continued to be overdrawn. I called and talk to another representative regarding the issue, said it will be taken care of and not to worry, the account will be closed. Still as of today, my account is still open. Mr. ** informed me that he will take care of it after the new year , yet I have talked to corporate bank regarding this issue and they informed me to call the branch again; nothing is being done. I still continue to receive the harassing phone calls for corporate bank.

Please help me resolve this issue. My account still continues to be charged overdraft fees that I shouldn't even be getting because the account should be closed when I paid the overdraft amount of $240.00.

After falling behind in my mortgage, I had attempted 11 times to file and submit a hardship package, which all had been turned down by Fifth Third Bank on the grounds that I didn't make enough money Then the serious of phone calls, I logged 784 phone calls from Fifth Third Bank in a six week time frame. I filed a civil suit against Fifth Third Bank and was awarded the amount due to numerous violations of the FDCPA. The bank was also directed to stop any phone calls until 1st of July. At which time, I should have the rear mortgage caught up.

I started with this bank before I even left high school. One of my very first bank accounts and the last I ever had with Fifth Third. I admit I was quiet stupid, I had actually written a check for about $4.00 back in 1998 which ultimately cost me over $250 accrued charges. I worked hard to pay that amount back over time and once it was paid, I moved on to other, (some worse) banks. Though with age, I have been very responsible with my bank accounts. This was just the initial issue with Fifth Third, leaving me petrified to actually have a bank account that would charge me over and over again for something so small. Not only that, but imagine an 18 year old having to pay $25-$50 return check fee to the store, and then pay the fees to Fifth Third Bank who would repeatedly send the check through, and each time it was returned the fees were compiled, in the matter of a few days I had accrued $250 in fees just with the bank!

Fast forward to ten years later, never again would I open a bank account with Fifth Third but my youngest brother and I went to his bank (Fifth Third sadly) one day so he could deposit actual cash into his account. The cash was immediately posted to his account. He also received a cash deposit slip. The amount was correct, $80. He was only 17 at the time and paying his own cell phone bill with his Fifth Third Bank Account. His account was fine, he had no auto payments, just a simple deposit to pay a phone bill. The next day, he went to check his account and it was overdrawn by the exact amount of his deposit due to the phone bill going through via check payment.

With the deposit slip in hand, he went to the branch and they told him they could not help him, that the money should have been posted to the account and that it was not and that the deposit slip was not proof that it had been deposited. This was very wrong! It took a week or more until it ended up going to the branch manager, who actually had a file on her desk for this specific issue alone, and eventually, after seeing a 17 year old crying over overdrawing his bank account and knowing his money was stolen, she relented and posted the money back to the account. To this day, we have no idea what happened to his deposit, no one could come up with any idea or reason or explanation, and the way they treated him and spoke to him was terrible.

Knowing what I went through as a young adult with that bank, it was frightening. My first bank account and I paid so much money over something as stupid as a $4 over draw. At least with my current bank, even if it's a double charge that should not be there on my account, they will release it for me, they will let it release before they charge me fees. I remember I had a payment with my bank account that I forgot about (a large one) and I accrued 18 over drafts with my current bank, 18 actual pending charges hit my checking account number due to my stupid oversight, and guess what? In the end, I only paid two over draft charges, and rightfully so.

They allowed me to post a deposit to my account before they started to charge me overdraft fees and pending ones that did not fully post were not charged. My bank would actually take a deposit and post it before they post charges, Fifth Third never did that. Fifth Third always posted high charges to your account first, posted them first instead of a deposit, and screwed the ** out of you with fees galore.

This company refused to close my account for sometime and they continued to charge me huge late fees for a compounded negative balance which was due to their fees. There is already a class action lawsuit for this very thing. Please stop.

I have been with 5/3 Bank for several years, and love my local branch. So recently, I applied for a home refinance loan through the call center. What a huge mistake. Robert was pleasant and eager to take all my info. Then he turned into the rudest person. He would not answer his phone but had a message that stated it would take up to 72 hours for him to return your call and that the loan processing is so far behind that it could take up to an extra 6 weeks. I applied for the loan on 9-16-2011 and he just called me today with the info that the appraisal was cleared and they need more paperwork from me.

The IRS needs to see copies of past checks from our business account for an SBA loan. We have never been given copies of checks from 5/3 and now when we ask for these copies they are going to charge us $10 per check. And we need 90 copies for a total of $900! This bank has been a total nightmare for us. There is nothing that I like about them. We have cancelled all our accounts.

I opened a business account with this bank, and linked it to my PayPal account as an alternative payment method. I made a purchase through my PayPal and the charges skipped the default account and came straight from the Fifth Third account. At this time, they charged me $8/day fees for the negative balance. I paid $145 for these fees finally which was original about $12, and then this happened again the next month for a $10 transaction. I knew that it wasn't the bank's fault that PayPal made this error, so when I returned home (was out of town and could not fund the $10 payment from where I was because I had no linked account to do so with) the balance had gone up to $43.99 or that was what I received that Monday- so I calculated that $8/day would make the amount $67 by Thursday when I made a $70 payment. Got home and got another email stating I owed $21.99.

I called in the next day after receiving another email stating the balance was $47.99, and the representative I spoke with said that because I had covered all of the charges I made- I didn't bother to correct her and tell her it was a PayPal issue. It wasn't the banks fault. But the rep told me that the payment would remain at it's current balance until I could pay it because I had covered my costs, and that the remaining balance were bank fees and would not accumulate $8/day anymore. Now I get another message today saying the balance has doubled and when I called in, the representative spoke to me like I was abusing my account, not reading my mail, and lying about how informed I had been about the whole thing! This is insanity, and highway robbery at it's best, or should I say worst?

Fifth Third Bank just repossessed my truck. It is November 14 but my payment was due on November 5th. I have just 4 payments left on this truck. The five-year term of paying for this vehicle has been a living nightmare. As I suffered through hard economic times like everyone else, my payment would frequently run 5 to 25 days late. This company would threaten repossession every time. They contacted my neighbors, every hour of the day. Now it is 3:04 am and I writing about this company minutes after they took my nearly paid off vehicle of which November payment is just 9 days late.

I have a copy of the check they cashed for the October 5 payment, which they cashed on the 26th day late. They probably executed a repossession order, then never gave a ** to cancel the order, when the payment arrived. Now I have no vehicle to work and make a living. I will not only sue this horrible and despicable company, but do everything humanly possible to let the world know about this criminal bank.

and such. This is amazing that for a $37 auto payment. I couldn't cancel in time the bill is $179. The branch manager acted aloof and wouldn't waive a penny. What a terrible way to do business!

@Valerie in Bennettsville. That is called a straw sale and is illegal. It's financial fraud and you could be in a lot more trouble. You should count yourself (and the friend whose name is on the loan) lucky if that's all that happens to you.

I have had my vehicle loan through them for over a year now and have always been on time with my payments. They have so far been mostly rude (there were a couple that were decent to me), especially a lady named Grace! She basically told me it was not their problem I lost my job and that there was nothing they could do to work with me. Also, she said I was basically a loser because of this! I lost my job in August of this yr and have been struggling. Yet, I was still always making my payments! They have taken two payments out of my account unauthorized by me.

It cost me a good bit in overdraft fees and put me in jeopardy with putting food in my children's mouth (they were not willing to pay for the charges, even though they did it unauthorized). So now, I have locked them out of my account through my bank. They don't have any pay online options. But they want to charge you a ridiculous amount (above what I have seen from any other company) to pay over the phone! I hate this company and would not recommend anyone to use them! I will refinance through another company as soon as I can! I could go on all day about how crappy they are really!

Someone bought a car and he brought it for me as long as I keep the payments up and I did that; I never had a late payments. I drove the car off the lot and brought it home with me and had it ever since, until they came and got it. I called the bank and they talked junk to me. They were very rude and I am trying not to get a lawyer involved but talked to one. All I want is my money back and if they won't give it back to me, then I will be filing a lawsuit against them. I had the car for eleven months; almost a year. I just want my money back.

During the week of October 17, 2011, I, Don **, was contacted daily by Fifth Third Bank, holder of the note for a 2007 Nissan Xterra. I in vain tried to explain and offered to send the divorce papers stating that Angie was awarded the Nissan, and the note through the divorce. They would not hear of it and were not interested in me faxing the paperwork showing this. I also explained and stated that I will not make any payments on the Xterra, and that they needed to contact Angie. They asked for her number to call, and I told them I do not have it. Then they asked if I have her address - which is funny because Fifth Third Bank had sent me her change of address, so she had been in contact with them. Every time that they called, I kept informing them that my attorney was trying to contact her attorney, who was out of town, to tell Angie that she needs to take care of this, and that I am not paying her loan.

Then during the week of October 24, 2011, on or about Tuesday, I was contacted by a collection agency called the Regional Adjustment Bureau and told that Fifth Third Bank had turned this over to them to collect $948.45. I also informed them that my attorney was trying to find her attorney to no avail. The lady with the collection agency told me that if I gave them the routing number to my checking account, they will hold off on the repossession until Friday, the 28th. I asked her before I gave that information, "Are you going to debit my account if I give you that information?"

She said no, that it was just to hold off on the repo. I told her twice, "Do not take any money out of my account until you hear back from me on Friday, and if you don't hear back from me, go ahead and repo the car. When you do, please inform me and I will take possession of my attorney, and Fifth Third Bank will allow me." She also informed me that she will call Friday, just in case, and touch base with me - which they never did. They had taken it upon their own to debit my account on October 31 without my verbal approval. She assured me that they would not do anything.

The only reason that I gave her the routing number was that she said that this would allow them to hold off until Friday on the repo until I contacted them, which again I told her to repo if they don't hear from me, and "Do not debit my account until I tell you."

I went into the Fifth Third branch located in the Kroger Old Troy Pike. I have cashed my employer's checks numerous times at several locations usually, but not always having to pay an $8 charge to cash the checks drawn on Fifth Third. Today, October 30, 2011, I went in to do the same thing and to my surprise, I was told by the teller Jeralyn that I had to pay 1% of the check amount, which would account for $60. I was shocked! I asked her why, she muttered something and said "hold on, let me check". After several minutes, she told me it would be a $25 charge. I questioned her why, she said that was the new policy. I asked her if it was posted anywhere that they were changing policy, she laughed at me and said no. I questioned her if it was a legitimate policy or was she sure and again, she chuckled at me and handed me my check and ID back. She said she didn't have to cash the check at all.

She had a horrible attitude just because I was shocked and questioned her for charging me this outlandish fee. I had no choice but to succumb to her charge. It was a Sunday and I needed the money that day, so I told her to please cash it. She asked me how I wanted the funds back, I said large bill or money. She came out of the back with $900 in $100 bills and the rest in $20 bills. I guess to be funny and make me carry out a very large wad of money. I called a friend of mine who works for Fifth Third and asked her was this policy correct? She said no, that her understanding was it is only a 1% charge if the check and the customer is not a Fifth Third bank.

In this case, the check was drawn on Fifth Third bank. I repeated this to the teller and she got upset and said in a very nasty tone "are you speaking to a Fifth Third employee?". I said yes and handed her the phone, they told her the same thing they told me but Jeralyn didn't care nor would take it upon herself to look into the policy to verify if she was correct. She said, if she's wrong, they would give me the money back later. I left with this very large wad of cash, drove to another branch in a Krogers and asked them to exchange the 20's for 100's and then proceeded to ask the teller there about the charge to cash a Fifth Third check by a non-Fifth Third customer. She said $8 then confirmed this with the other two tellers and a manager there. I think this teller was wrong on several accounts and obviously, when I challenged the policy, she became mad and decided to treat me badly. I had the right to challenge why a bank is taking $25 from me for no reason under a "new policy".

I was charged $2 for an image of written checks on my statement. I was never notified of this charge and was never given a chance to opt out of this charge. I am developmentally disabled and cannot afford such charges. I have heard nothing back from the bank concerning this surprise charge.

I have to send complaint messages regarding how your bank, Fifth Third, treat poor customers versus wealthy clients and the poor service provided by your representatives. I have not heard from you yet. This a sign that Fifth Third does not care about poor customers, no one from the upper management has the courage to contact me. I have read in an article about a class action lawsuit filed against Fifth Third Bank, and I was not surprised. You may see more lawsuits against you in near future.

My available balance was $126.37 and when she tried to charge $75.00, it was declined. I called to find out why and the woman said she could not help me because it is my wife's card. But I got so frustrated when she could not explain the -$99.16 pending and she hung up the phone on me.

As I mentioned to Steve, a supervisor and in the past, Fifth Third Bank favored rich customers over poor customers. When I closed my saving account on 10/17/2011, the woman who helped me wanted to know why. I told her why, after experiencing poor service with their customer service and I felt that I was not a preferred customer since I am poor and not rich. She said why don't you close the checking as well while you are here. I said if I had 300,000 dollars would you ask me to close it and she replied probably not. Here is a perfect example of how they treat their poor customers.

The reason I did not close my checking is because I receive SSA income and I cannot change my account number until March, otherwise, I will shut it.

I am trying to get my dad on a senior citizen program through Passport. The program wants 2 years worth of bank statements. I went to 5/3rd to get a copy of these statements and told there would be a $5.00 charge per month for these statements. This is a senior citizen on a fixed income that has banked there for several years. That is a lot of money for him to pay for something that is his. This is a perfect example of banks taking advantage of people that pay their loans on time. They must suffer for the ones who don't. If 5/3rd did not make loans to those who could not afford them seniors like my dad would not have to pay the price.

Vehicle Loan Department keeps asking for payments when the car has been paid off. First payoff statement was for $1,055.00 so I paid $650.00. Next month the payoff was $1,066 so I paid an additional $650.00 and they still ask for an additional payment of $400.00.

I mailed my credit card payment as usual, and after about 20 days, I received a call from their collections department, stating that I had not paid my bill. I told the individual the day I mailed my payment and the check number. They asked that I get a copy of the canceled check and a copy of my bank statement and to fax both to them for verification, which I did.

Since this has gone unresolved for more than 6 weeks, I was told they would match my payment due to the inconvenience I had suffered. It is now approaching the two month mark and still, this issue has yet to be resolved. I am sure that now I have my first bad mark ever on my credit rating score, thanks to the mismanagement of Fifth Third bank

It is approaching the two month mark and this issue has yet to be resolved.

This morning, I reviewed a checking account which I maintain at Fifth Third. I became aware of a $2 fee which was designated as image/snapshot statement fee. I immediately placed a phone call to Fifth Third customer service. The representative I spoke with advised me that this charge was instituted by Fifth Third recently for receipt of image copies of checks which would accompany my monthly statement. I patiently explained to Alexis that I do not write check on this account nor do I wish to have an image copy of any checks sent to me as an accompaniment to my monthly statement. Alexis' attitude was less than conducive to fostering good customer relations.

After putting me on hold for 7 minutes, she came back on and advised me that a written notice had been mailed to me, advising me of the option to opt out of this charge sometime back. I explained to Alexis that I am a CPA and I do attend to all written communications from financial institutions. I said that I certainly did not receive any written advisement(s) from Fifth Third in regard to the ability to opt-out of any proposed charges for image copies. Alexis was emphatic that the letter/communication had been mailed out to my address and that I had received it. She said that she would not waive the $2 charge.

My question to her was: if the mailing of the notices was performed by an automated system, how certain was she that 100% of the customers from Fifth Third received the letter/communication? Alexis stated in a most confident term that she was certain that all Fifth Third customers had received the letter/communication including myself. And she would not reverse this $2 charge. I then requested to speak with a supervisor and next had the distinct pleasure of being placed on hold for 8 minutes before Helen came on the line.

Helen simply parroted what Alexis has previously stated to me, with the added enhancement that her attitude was one of posture and intimidation which would have made a 1st year law student in drama class proud to emulate. I stated to Helen that I had now spent over 1/2 hour on this $2 item. And I requested that in the sense of fairness and good customer relations that she and Fifth Third reverse this unwarranted charge. Helen's response reminded me of the old 45RPM records which became stuck on one track. And the word no was her reason for existence and justified her position as supervisor. One final attempt on my part was to ask Helen if a negative recitation of my experiences to my clients was worth $2 to Fifth Third as opposed to a more positive approach of reversing the charges. Once again, Helen's record played the no version of her song of the day.

I simply advise anyone who reads this to be aware (in advance) of the less than cooperative attitude of the Fifth Third customer service employees and their disdain for their customers' loyalty, which is valued at something less than $2.

Just prior to my truck payment due date, I requested a payoff amount for the loan. I received the payoff letter approximately 14 days later, which was beyond the payment due date. I received an electronic message indicating I needed to call a number and make a payment. I called. I spoke to a robot and made a payment. I provided my routing number and account number for my checking. Two weeks later, today, I got a notice that I am still unpaid. Having an account with a pretty large balance, my wife and I do not check for particular transactions, like the $909 for the 2 months truck payment. It's my fault that I didn't see the payment failed.

With the notice in hand, I called multiple times, disconnected once, and waited beyond my patience once. Finally, I went all in and waited 10 minutes for someone to answer. I was connected to the collections area. I said that all I want to do is get the amount to pay off the loan. He said that he could not get that for me. He tried to connect me to loans, and warned me it would be a wait. The call became disconnected immediately. I called back and literally entered stuff that would make no sense so that I could talk to someone who could help me pay off the loan. I waited 22 minutes. I cooked a pizza for the kids and had two bottles of Leinenkugel's Oktoberfest (awesome beer from Chippewa Falls, WI) before I reached someone. She couldn't help me, as payoffs are handled in a different area. Times are tough, and banks are struggling. I can't even pay off a $21000 loan "in full". Times are so tough. I wouldn't finance a dog house through this bank.

I am trying to refinance with the Fifth Third Bank. They had my property appraised; however, the comparisons they used are not accurate or fair. I have a 3500 square feet home with over 31,000 square feet of lot space. The comparables they used are homes ranging from 1500 square feet to 2200 square feet, and their lot size ranges from 8200 square feet to 11,000 square feet. How can this be an accurate and fair appraisal?

They have charged me excessive fees over several years for hundreds of dollars. When I went in and made a deposit to bring my account to a zero balance, the same day they charged me $56.00 more. This bank is a rip off. They even hold my direct deposits for two days. I am not paying them any more free money. I will be hiring an attorney. They deliberately hold transactions to their benefit to incur these charges. Do not do your banking there. I even think I will picket.

I have Fifth Third for the mortgage on my primary residence for the last 18 months. Then I received a phone call from Philip on 10/08/11 at 8:00 AM, Saturday. He wanted to speak with my husband, and he would only divulge his reason for calling, after I refused to let him speak with my husband. Apparently, I had not paid the mortgage yet--it is the 8th of the month! It is not late until the 15th.

I have been in the process of changing banks and switching bill payments, so I was a little slow in getting all my payments out this month. I was not late and have never been late. The fact that they would disturb my household on Saturday morning at 8:00 AM really pissed me off. SunTrust used to do the same thing, except I had 4 mortgages with them and they would send me into a panic--I was thinking I hadn't paid a mortgage when in fact I had.

I eventually hung up on Philip, because the call itself was so rude. Thankfully, we are in the process of refinancing and will be done with Fifth Third soon! Next time, for any bank calls about a mortgage not being paid, I am just going to tell them I decided not to pay this month!

Fifth Third bank is a "bully bank"! I was treated with disrespect and threatened to be repossessed at 22 days late. This was after I explained I was driving and would have the payment when I got home, but worked night shift, so please call at 5pm. Then I called back to make the payment, I was hung up on after I was treated awfully. The lady commented stating , "Just didn't want to pay", after I explained I was late on everything and border line bankrupt, I was at an economic downfall. I had never been 3 weeks late, only a day late prior. Give me a break! I offered a payment, a time, and called back. Seriously, awful bank. They are very rude to consumers, I will never finance again with them. I felt misrepresented and disrespected.

Worst experience I've ever encountered with any agency. Dealing with their customer service is horrendous. I purchased my vehicle through a dealer and they talked me into purchasing the loan with Fifth Third. I'm a military member trying to sell my car and there is no way for them to expedite the process. Instead, I'm being forced to get a power of attorney, leave my vehicle with my mother in another state and postpone my sale because they cannot "deviate from standard procedure". Wow!

I overpaid on a vehicle loan days after the vehicle was paid off. I have spent over one month and multiple hours on the phone with their customer service representatives trying to get my money back. I have heard everything from "the money will be sent via electronic refund" to "it is in the mail and will be there in 10 business days". I still haven't received my money back. I feel like there is no accountability for their actions and lack of customer service.

I bought a car from Bob King in Wilmington and it was financed through Fifth Third. Although in NC you can't get a plate without insurance, Fifth Third forced insurance on my loan and though my agent and myself repeatedly sent proof of insurance, they refused to remove it from the loan and tried to tell me that I was responsible for the account. All I could do was pay it, then they would remove the insurance charges. I did not. I didn't owe it and I didn't pay it. They took the car and trashed my credit. Now, they are calling repeatedly, leaving ignorant messages on my voicemail. I have turned all paperwork over to my attorney. Do not use this bank! They are criminal in their business practices.

I purchased a vehicle from a private seller. However, Fifth Third financed the vehicle. When it came time to close the loan, the private seller and I arrived into the bank. At that time, the seller handed over the clear and free title, and received her check. At the end of the close, I was handed an envelope containing my copies of the signed paperwork. I proceeded to ask, "What do I present to the BMV to get the vehicle registered and get temporary tags?" The banker did not know but he made a phone call. After hanging up, he proceeded to tell me that in about a week, I would receive some paperwork in the mail, which would allow me to go and register the vehicle. I was like: "What do you mean? I have a vehicle with a loan on it, but I can't drive it for a week?" He apologized but said yes. I went home and made several calls to the 1-800 number. I spoke with a gentleman who told me pretty much the same thing, except he added that it could take up to "3 weeks". I explained that all I need is some sort of temporary registration form or a memorandum title to get the car registered, to get tags so that I could drive it. He again apologized and said that's pretty much how it is. I've never heard of such a thing. I have taken insurance out on this car, as I was instructed to do so by the bank. I'm sure interest began to accrue on this loan from day one.

I had a $60 charge for my annual Xbox Live fee. I have paid the bill on time and in full. Now, I have constant phone calls and $125 in "late fees". I refused to pay them since my payment was mailed several days before the due date. They also refused to update my billing address and there is no online payment option.

I had called Fifth Third back in July about lowering my payment. I was told by Jaun ** of Fifth Third that I qualified for a streamline loan. So I filled out all the necessary paperwork and set up a bill payer account like they told me to do. They also told me by email not to pay my August payment because they would be closing on my loan soon. I heard nothing from them until the end of August. (I tried contacting them and they never got back to me.)

When I finally got through to Jaun on the phone, he told me that I was supposed to pay my August payment and it was a mistake. But my refinance would go through in September so don't pay that month. He said he would take care of the August payment by putting it on the loan. I received a late payment for the month of August and told Jaun about it and he said he would take care of it. Again, I heard nothing from Fifth Third about my refinance in September. He said I would be getting a closing package in the mail.

Yesterday, I received a package, but it was for being two months late on my mortgage, not for a refinance closing. I called Fifth Third and they had to put me on hold for quite sometime to figure what was going on. They told me that my refinance was denied. I was not informed of this at all. When I tried calling Jaun and emailing him about what I was supposed to do now because he told me not to pay my payments, he just sent me an email saying, "You will receive written denial on this loan from the underwriting department." No explanation for what I'm supposed to do now that I'm behind because of him or anything?

What kind of service is this? He told me everything was good. Now I'm screwed because I already paid my medical bills for the last two months because Fifth Third told me not to pay my mortgage payments. I have written proof of Fifth Third telling me not to make my payment.

I will be contacting every local news station about this and forwarding this email to every contact at fifth third as well as every branch office until this is resolved. I now have late payments on my credit report because of this. I have also contacted a lawyer and will decide to go further depending on what kind of response and resolution I get.

I have a car loan through them that apparently was the only thing my dealership could get me loan from. I wish I had known about this bank before I signed paperwork. They are completely disorganized. Not only can you choose between 10 different numbers to contact them through, but each number apparently houses a group of people with different information than the last number. I called over the phone to make payments. This can only be done using checking account information, no debit/credit cards unless you have a Fifth Third account. You can only have this account if you are in the very small area this bank covers.

One month I'll call and I'm charged $17.95 "convenience" fee (which, let me tell you, is not the least bit convenient calling them). The next month, they have no idea what fee I'm talking about when I ask why it was charged to me last month but not this one. I've never spoken to anyone who speaks English as a first language. The entirety of their phone calls are outsourced. And they never have my information correct. Two months ago, I called to have my address and phone number changed. I called to make this month's payment. They didn't have it on the account and wanted my address from when I first opened the account, which hasn't been valid in a long time. This bank is just so terrible.

I sent a car payment via FedEx. They received it 2 days before the due date. 6 Days after the due date, they still have not posted it. Now, they are charging me late fees. What a bunch of crooks. They deserve to go belly up. I hope the FDIC takes them over.

I was behind 2 months. The representative I spoke with told me the amount I had to pay, which was the owed car payments and late fees. I paid it via Western Union. As soon as they cleared my payment, they took my vehicle within hours. I was given the runaround about how to obtain the vehicle back. The company that towed the vehicle didn't have it in their possession. It was sent to the auction in less than 2 days. I did research and found out that that was an illegal move. I was never given the opportunity to get my vehicle back after paying my dues upfront. I had to pay storage fees for my personal property that was held by the tow company. I also had to pay an auction fee to get my vehicle, in which they charged me $100 to cut a non-remoteless key. When I picked up the vehicle from the auction, there were burns in the top of the car. I'm a non-smoker. My gear shift was missing as well. Some other personal items had been stolen from the vehicle. This is all because of Fifth Third Bank making me pay all that money upfront and the people they deal with stole my items. I'm still paying fees to them.

My existing mortgage is through Fifth Third Bank and it's been one headache after another. I've had the mortgage for 2 years now, and the customer service has been horrible. The service agents never seem to know enough to answer the questions but the managers that they connect you to are no more knowledgeable. I was told that my mortgage was a re-calculating mortgage so that when I sold my first home, I could pay down the mortgage and lessen my monthly payments.

I sent the bank a check for $175,000 at the time to which they sat on for over a month, despite my repeated calls. Finally, when I threatened to sue to get the money, back they applied it to my mortgage. Further irritating the situation, they informed me that by doing this I could eliminate the PMI on my mortgage but I had to write a letter to make it take effect. When I did that, they sent me a response that this was not allowed. If I had known that I would have never sent the $175,000.

Most recently, I finally began refinancing with a different institution. In this process I've been attempting to have Fifth Third assign the mortgage to my new institution which would save me from paying the mortgage tax/fee for a second time. For a month now, I have spoken to everyone at this bank and no one has ever heard of the term assign a mortgage. I ask, how could it be that a bank is not familiar with the term that is used in the mortgage industry? I would have been more satisfied if they had just said that they don't do that, but the frustration of dealing with them is just never ending.

A foreign spokesman probably of Indian or Arab descent, who was very difficult to understand, is harassing us and wanting to speak to my son who does not live in Michigan and has a separate account. Alien called twice on Sunday and once today before 9:00am. I Told him that if he did not quit, I would have his job! You "banksters" are overboard. This harassment had better stop. If you are going to harass people, at least hire Americans whom we can understand. Shame on you!

Do not use Fifth Third Bank for any reason! Fifth Third Bank is a joke and a complete waste as a so-called bank. After purchasing a new car, it took two weeks to complete my loan and have it to show up in their system. There are no branches in my area, so according to their policy, I cannot open any type of savings or checking account because I must be able to go into a branch to do so. My only options to pay my car note was to set up an automatic withdrawal online bill pay service, mail in a payment, or pay over the phone with their collections department and pay a $17.95 convenience fee.

My dealership needed to mail in a payment on my behalf due to a refund of a maintenance plan, but Fifth Third took three business weeks to process it, which by that time, I had already asked my dealership to stop the payment on that check and issue a new one. Upon resending a new check, Fifth Third claimed that they never received it, and a second stop payment had to be issued on that one as well (although the address was confirmed by multiple representatives and the account number, name, and address was clearly imprinted on the envelope and check).

Since mailing a payment did not work and the dealership is unable to set up automatic withdrawals on my behalf, the only other option was to make a payment over the phone. However, we were informed by multiple representatives that a payment over the phone could only be made for the amount owed and not any more than that, which is the stupidest thing I have ever heard. What company would not want to receive more money than what is owed by an individual? The only way to pay more was to wait until I was in my 7-day grace period after the car note due date. Then, I could pay the prior month and the current month, but never any more than that until the following month.

Due to this idiotic policy, I would have to call the dealership every other month for the next six months until they paid up to the amount that was owed to me by my dealership (Fifth Third was making it impossible for them to pay it all at once). During the third month that a payment needed to be made, I contacted Fifth Third Bank to verify that I could make a payment for two months before I do a conference call with my dealership and have them make a payment with me over the phone. The representative I spoke with told me that I could make a payment for however much I wanted over the phone, and that everything that multiple representatives told me before about not being able to do so was inaccurate.

So, I called my dealership, set up a call conference to have her pay the remaining amount they owed me onto my car loan. But the new representative who answered, told me once again, that the other representative was not correct and that I could only pay what's showing in their system. And since I was not yet in my 7-day grace period, I could only pay the current car note amount and not anything more.

Fifth Third Bank is inconsistent in their information, is not up-to-date in their online services, have representatives that do not know the company policies, have rules that do not make sense, has customer service that is incompetent, and is an overall no good bank. As soon as my dealership pays the rest of the money owed on my car loan, I am refinancing so quick, Fifth Third won't even know what hit them. They are the worst bank I have ever dealt with and my dealership has already taken action to strike them from their financial partnerships. Do not ever deal with Fifth Third Bank.

I am buying a car and Fifth Third Bank is the line holder. They were very quick to approve the loan and sign the paper work. Now, they have not done anything. It has been 32 days and I still do not have the funds to pay for the sales tax (included in the loan) or the paper work needed to register the car. I have called every phone number that I can find. I have waited on-call more the 45 minutes at a time. I had a customer service person call me back but he had no news except that it would be another week or two before they could send the papers that I need. No one seems to know what is going on. I have spoken with several local managers and they don't care to help. My first payment is due to start and I don't even have the car registered yet. If anyone has the name or number to call for help, please forward them to me.

I have been a customer of Fifth Third Bank and a former customer of Cabarrus Bank and Trust. I chose to stay with your bank because I believed in this company, I would be treated fairly and kept informed. Being a customer of Fifth Third and using the online service, I have never had any issues except with the time Bill Payer failed to let me know the due date they would be withdrawing payments from my account. Before the bank decided to change the operation of their online bill pay site, I could pay out my bills and within a 24-hour period the money was withdrawn from my account. Prior to 8-12-11, I checked my balances and I saw there was money in the account and then on 7-30/7-31, I checked the account because my paycheck came in and I paid out the bills for the month of August.

On 8-13-11, my pay day, I went into the account and was horrified to what I encountered. Until 2 months ago, I have used their online bill pay service without any problems. Subsequently, when Fifth Third bank redesigned their online bill pay was when the trouble started. Before the modification, the customer could make a payment and 24 hours later, it shows the payment deducted from your account balance. Before Friday the 12th, I checked my balance and it was fine. Then on Friday the 12th, I checked my balance and I saw where the bank drafted just about all my bills on the 8th of August from the weekend of 30/31st putting me in overdrafts and fees of in excess of 500.00.

I was hysterical, irate and in distress when I made this discovery. To further distress me, I made at least 4-6 calls to the 800 number at the back of my card; where I was transferred at least 6 other times and the last person I have spoken to (in the retail department) stated he would call Shawn at the Kannapolis branch and I was to meet him about 4:00pm. Of course, Shawn stated he never got that call and was handed off to another CSR. Within this time frame, I was not contacted about the overdrafts nor fees. The CSR stated she couldn't help me because I had opened my account in Concord, which was a lie. I started my continued checking business that I was with Cabarrus Bank and Bank and Trust and I presently still use their checks.

On Saturday August 13th, I did get two letters after the fact. While being a longtime customer holding 3 checking accounts and a CD, I was never told or warned about the preventive measures (linking accounts or get overdraft coverage protection). I will say the last person (the man in the retail department of Fifth Third) did say a lot of customers had overdrafts that were normal. I feel that my bank failed to explain how the new system worked, the preventive measures and a phone call letting me know what was going on with my account. Since then, I have tried to schedule a payment 4 times and it would not let me schedule it for the next business day. Fifth Third Bank debts my account not as I want it scheduled; but when they want to.

They failed to educate the new system to the old customers and failed to educate us with information on prevention of overdrafting. Since this happened, I have closed my CD account so I would have money to pay my bills with because of this amount of money taken for fees. The public needs to know that taking money at their discretion and not posting it immediately created excessive fees which is against the law. With this posting, it will alert other customers to what your banking practices are and this may end up as a class action suit. I have seen online that this is not the first time this bank has had problems and I will be contacting FDIC, BBB, Banking commissioner and Action 9 News. If you return my fees, I will withdraw funds and go to another bank that I can trust.

Loretta **

The person I was suppose to see was Shawn, the woman I saw was 25ish and was in the middle office

I was originally a customer of First Charter Bank and contrary to colleagues advising me to change banks, I stayed with Fifth Third.

There have been several occasions where I have been less than satisfied with the service I received at Fifth Third, but I let them go and continued to bank with them. Unfortunately, this last problem I encountered has really brought home what others had been telling me that this bank has some issues. I will explain the situation and I think you will see why I have decided not to continue my relationship with Fifth Third.

I purchased a high-definition widescreen TV and contracted with Direct TV to install HD service in my home. At no time was I made aware that there may be a problem with the HD service to my home. After the installation and cancellation of my previous TV service, I was told that because of some trees in my backyard, not only could they not provide HD service, but they could not even tell me which tree was in the way. The contract with Direct TV had already been signed when I was made aware of this. To my thinking, this is a breach of contract.

To make a long story short, Direct TV wants to hold me to my contract. They debited my Fifth Third bank account without my consent. When I realized what they had done, I went down to my bank branch and filed a dispute. I will add here that I had to make several calls to get the dispute handled because, as I understand it, the dispute was filed correctly on the branch end, but something was done incorrectly from there. I finally did receive the money back in my account and was satisfied. I also at this time opened a business account as I have also started a small business and run a small business networking group.

On August 11th, I looked at my bank balance and realized that I had forgotten to include a check in my calculations and overdrawn my account. I deposited the funds the next day to make sure I covered the overdraft and corresponding fees, even though I disagree with their policy of clearing the larger checks first; I suspect that makes your bank earn quite a lot of extra money. If they had cleared the smaller check first, I would not have been charged double overdraft fees. But I disagree, this is not even why I have reached the end of the line with Fifth Third. After taking care of the overdraft and figuring out how I would make up for the money I have lost on overdraft fees, I was shocked to look at my account on August 18th and see a reversal of dispute provisional credit. I was not even made aware that there was a possibility of this, nor was I prepared for that money to come out of my account.

I called the bank and was connected to the dispute department. I explained once again that I was disputing the charges with Direct TV because they could not keep their end of the bargain and I did not authorize them to debit my account. I want to make very clear here that the Direct TV charges were contract cancellation charges and they were not normal billing charges.

I was told by the dispute department that there was nothing that they could do as Direct TV says that I owe them the money and I might want to look into legal avenues. Well this is where I have a huge problem. I thought that I was the customer here. Why would Fifth Third not protect my rights? Why would they allow a debit to my account that I expressly told them was unauthorized? It became very clear to me that I was mistaken in my thinking that Fifth Third would exercise a fiduciary relationship with me and did not have my best interests in mind.

Because of this incident, I am going to have to struggle to keep afloat. I will do it though, the business I have started will take off very shortly and I expect it to grow immensely in the next year. I did mention to you that I also run a small business networking group; I also attend many, many small business networking events in Charlotte. You can rest assured when the subject of banking comes up, I will not be recommending Fifth Third Bank.

They have poor service and unreasonable banking policies. This bank is baloney! I had a horrible experience with 5/3. We used them for a car loan in 2007. The car was involved in a motor vehicle accident in July 2011. It was totaled out by the insurance agency. The insurance company sent a check for the remaining balance of the car loan to 5/3. And the insurance company has record of when the loan check was sent and received. 5/3 held the check for an additional month and charged us, the customer, additional finance charges and another car payment.

When we called to complain about them automatically taking out another car payment when we didn't even have the car any longer, they stated that they didn't know about the car. This statement is false because my insurance company and myself were on a 3 way call with 5/3 bank to gather payoff amounts. I was told by that 5/3 representative that no car payments would be taken as of that phone call. 5/3 also would not take responsibility for their actions. They told me to contact my insurance agent to get a refund. This idea of contacting my insurance agent is ludicrous. My agent is not tied with 5/3 bank.

I wanted to pay my credit card by phone because I couldn't find a place online. I was instructed that payment could only be made from a Fifth Third Bank account (which I do not have). I, then, was placed on hold for two and a half hours and gave up.

My business opened a merchant account in March of 2010. I first spoke with John **, who is an executive consultant for the commercial middle market merchant services for Fifth Third Processing Solutions. He drew up a contract, and faxed it to me at the end of March 2010. I signed the contract, with terms of agreement clearly stated, and returned it. After getting the billing statements that indicated I was being charged a different rate and fees than what the contract stated, I began contacting John ** to find out why. After numerous emails and phone calls, I still did not receive any explanation. I then began to call the customer service phone number listed on the billing statements. These calls started in February of 2011. After being told what my contract terms were, I objected and said that my contract stated something different. After much effort, I finally got a copy of what they were looking at. I was SHOCKED to see that it had been ALTERED after I signed and returned it.

I was given access to Early Access, which is meant for emergencies for short term loan use. I moved residence, and in the interim, I spoke with many staffs in Indianapolis, as well as Evansville. It was both on the phone and in person. I was behind in payments, and the $8 a day fee kicked in. The total fees assessed were in the range of $800. I have been told that the account must be paid, or it will be sent to collections, and a notice will be sent to all banks making it very difficult for me to open another account. There is nothing further I can do to reverse any fees beyond what was credited to me (about $175).

I have been charged overdraft fees in excess of $200 on 1 pending transaction that was never actually posted to my account. It was a pending transaction for around $14, and my fees are currently over $200. They never told me that I was overdrawn, and I didn't get notice for 2 weeks, causing excessive overdraft fees. This was on a pending transaction, a deposit posted 2 days before the transaction was actually drafted from my account. But, because they charged me an overdraft fee immediately, it caused me to be in a negative balance. If that overdraft fee hadn't been charged for something that wasn't even taken from my balance, my account would have been able to cover the pending transaction, plus some.

My rating of 5/3 is in the negative. My dealing with this bank is through a car loan for a 2005 mustang. This loan has been being paid for for 6 years. At one point the car was repoed due to the economy (it is my son's with me as a cosigner), however, I got the car back, paid repo and back fees. Was told at the time that six months was going to be added to the end of the loan. Fine.

Today I called to see what the balance was. Being that the loan will mature I figured that the balance would be like $4000. Not so- $10963.84. The first person I attempted to talk to was Jack. He pretended he could not hear me and hung up. I know he was pretending because he kept saying Ma'am? How else would he know I was female unless he could hear my voice?

Second person was Lisa, when I explained the situation she said it wasn't her department and transferred me to Marie. Marie stated the amount was due to late fees. When I explained that payments was sent in late the late fee as well and extra was included in each payment she didn't have a legit reason why the balance was close to $11,000. I told her I was recording our call for legal purposes she then asked if I would like to talk with her supervisor and my answer was "yes!" I was on hold for 10minutes. Finally hung up. Filed a complaint with BBB. Will be getting legal advice.

Oh, and was told that when the loan matured in February the total amount left would be due. Seems 5th 3rd Bank is a modern day loan shark.

Dealing with the bank after my insurance company wrote a claims check to me and the bank for hail damage to my home. I went ahead and hired a roofing company to put on new shingles. After the insurance company had dropped the ball and I finally got my check several months after filing the claim, the bank was on the check as well, so I had to jump through their hoops to try and get my money back that I has spent on the roof. They are telling me that the check had to be written to the roofing company although they had already been paid and that I would have to get my money from them, the roofers.

After speaking with a manager at a local branch of 5/3rd, I was told that if I get a W-9 signed, a paid invoice and other paperwork from the roofers, they would write the check to me. I did that the next day and returned to the local branch. All was well, I thought. Today I got a call from the home office to tell me that they will not issue a check directly to me although they have all the required paperwork on their desk. So, I am still out the $7,500 for the roof and they are sitting on my money. This guy today told me that I would need to get all of the work done, basically to spend another $15,000 on the other repairs, siding, gutters, etc. then call for a final inspection to get the money released. I was pro-active in trying to get my house fixed and now I can't even get my money back that I have spent out of my pocket. Shame on Fifth Third! You can bet your ** that they will expect their payment on the first on the month.

I am filing a corporate complaint regarding a horrible customer experience at 5/3 Bank branch drive-up location on 1601 East 79th, Chicago, IL, 60649. The facts below will reveal a host of poor judgment and inadequate customer service, on behalf of 5/3, demonstrated at the manager level, and was compounded with several lies originating from several bank affiliates and unnecessary police engagement. My efforts to patronize a neighborhood bank, with a malfunctioning ATM, primarily for convenience, resulted in an inconvenient situation. An inexcusable customer experience which left me vulnerable to theft, and a missed day from work to address and escalate this ordeal. This experience is deplorable, and I am seeking answers from 5/3 corporate executives regarding the horrible level of service demonstrated. I have been an executive at Chase Bank, American Express, and currently managing Customer Relations, therefore I am extremely familiar with appropriate customer service, which they clearly lack during this experience.

On July 14, 2011, at 7:30 am, I initiated a $400.00 ATM withdrawal via the drive-up. Something technical occurred with the transaction, resulting in the screen displaying, "Your request is being processed. Please wait.", (photo can be provided if required) without dispersing funds, receipt, or returning the ATM card. I attempted several times to cancel or clear the transaction, but to no avail. Understandably, I remained at the ATM drive-up because the transaction was in a processing mode, the screen was open, no cash was dispersed, my card was not returned, and inviting the possibility of theft, if I leave the drive-up with a pending and incomplete transaction. I attempted to go into the bank to ask for assistance, however, banking hours will still at 9:00 am, therefore, leaving me with no alternative but to stay at the drive-up ATM due to the status of the transaction.

At 8:30 am, I went back to the door of the bank lobby because employees were starting to report to work. The security guard came to the door and I told him, "I need assistance at the ATM, my transaction is stuck". He stated he would send someone to assist, however, within 30 minutes, this never occurred.

At 9:00 am, no one came for assistance. I went into the bank and asked to speak with the manager, Amber **, regarding the ATM transaction or situation. She provided information that was later revealed to be a host of lies. She stated that "5/3 did not own the ATM and it could not be serviced until 3:00pm". Given the circumstances, I asked, "Do you expect me to wait until 3:00 pm, and this transaction has been in this status since 7:30 am?". She stated that there was nothing that she could do for me. I asked, "Surely, there has to be some contingency process when customer's funds are vulnerable as a result of your ATM malfunctioning". I further stated, "This is not a situation in which the transaction is complete, I received $400.00 cash, a receipt and my card was not returned, versus a transaction status in which I'm currently vulnerable to theft". Amber restated, "No, I cannot assist." and "It's a machine". I responded, "It's a machine that you offer 24-hour banking, as a convenience, charge a fee, and doesn't provide a service number for situations such as this". I asked for a higher level manager, she stated that she was the Customer Service Manager, and never provided the name of a higher level manager. Subsequently, I demanded the corporate number to file a formal complaint, Amber provided me with 1-800-972-3030. Amber also informed me that "after three minutes my card would be shredded and therefore, no risk of theft". At no point during our conversation, as a manager, did Amber validate what was occurring at the ATM, send someone on her behalf, or attempt to observe the situation from the teller drive-up window. While in the bank, another customer came in and stated "the other ATM was not working". Amber quickly changed her story without any validation and stated, "The ATMs are not working because it's a network issue."

I left the bank at approximately 9:15 am, to return back to my car at the drive-up ATM. When I arrived, a man was demanding that I move my car because he was there to service the machine. However, less than five minutes ago, Amber advised me "that the machine would be serviced at 3:00 pm". She never stated that a "technician is on the way, or outside". Therefore, I had no idea who this man was, yelling at me, and was cautious if this was a stranger attempting theft, due to the status of the screen display, while I was inside the bank seeking assistance. The alleged technician was not in a marked company vehicle. As the man continued to yell, I noticed a badge from Pendum Corp., (please confirm with the bank location) which I assume is a company that services the machine. His disposition was extremely rude, nasty, and he threatened me that "he will not return my cash station card". I asked why. He restated that he doesn't want me to get away from him because he does not trust me. The technician stated he will not return my card, which totally contradicts Amber's statement that my card is shredded. My card was never returned to me, based on a service technician's jurisdiction. If my card is not shredded and was returnable for use, I want to understand why am I being yelled at, threatened, and given inconvenience because 5/3's ATM malfunctioned and left my transaction in an open status.

Amber never came outside to assess or control, looked from the inside through the drive-up window, or verified anything. She came to the drive-up door and advised the security guard "not to assess the situation because she was going to call the police". This course of action is unacceptable from my perspective, as well as a consumer, because 5/3's ATM malfunctioned during a $400.00 transaction, knowingly leaving me vulnerable to theft. Amber refused to confer with her manager, or provided me with the information. She demonstrated no reasonable effort to identify or invoke an emergency or alternative situation to resolve this matter, as well as, provided a host of lies regarding when the machine would be serviced (9:15 am versus 3:00 pm) and the status of my ATM card (shredded after 3 minutes or not shredded and returnable) as referenced above. Or is this 5/3's normal problem solving protocol? I was not attempting to damage anything or take an ax to the ATM. I simply wanted some assistance to close out this transaction, minimize my vulnerability to theft, leave, and subsequently contact my bank to validate the status of the transaction.

I waited for the police to arrive, I explained the situation, and of course, the white police attempted to side with the white security guard, and neither are banking experts. The technician even stated that the ATM kept my card because I was not an authorized user, not because 5/3's ATM malfunctioned. This statement went too far. I have been with the same bank for 20 years with excellent payment history, and no service technician or security guard is qualified to suggest this. I asked the police officer, "If your card was stuck in an ATM with an open transaction pending per the message on the screen, vulnerable to theft, and the bank is refusing to assist or request your contact information, are you just going to walk away?. Of course, he stated "yes", however, I think not. The white police officer threatened to tow my car from the drive-up ATM. It's a drive-up ATM, not a walk-up. Why was my car not authorized to be there? I moved just right of the lot, although 5/3 still had my card and no contact information.

At the point of tears, I preceded calling 5/3 Bank again at the 1-800-972-3030 number for immediate escalation to Customer Relations. I advised a representative of the situation, and she provided me with the number 1-708-482-5904 to a Regional Manager. I called and spoke with a white male, explaining that I was extremely upset with the level of service demonstrated towards me, as a result of 5/3's malfunctioning ATM. Initially, he stated that if the transaction is pending from my bank, call him back. As I proceeded with explaining the details of this situation, he said that he wasn't sure if he was the Regional Manager for that location, primarily because he did not want to deal with it. I perceived that his level of interest and concern for the situation or accountability for his front line management is low, and he does not want to assist me. He stated that there was nothing that he could do, even after I informed him about the host of lies and an unauthorized service technician keeping my ATM card, not 5/3 Bank. I asked for his name, to include in the corporate escalation, he said his name was "John". I asked for the last name but it was not provided.

At this point, it was 10:15 am, I called my bank, Hyde Park Bank, explained the situation, and was informed that the transaction was pending. I followed the Regional Manager's request to call him back if the transaction was pending, only to confirm that he lied about his name. On his voice mail, at 1-708-482-5904, the name states "Greg **". In a state of disbelief, I redialed the number twice to confirm that I was once again provided an incorrect information. Given that he lied, I had no choice but to call the Branch Manager, Amber **, to notify her that the transaction was pending with my bank. She advised me to open a dispute with my bank, and I questioned, "How do I know if this is the correct process to reverse this transaction, given the host of lies that have transacted dealing with you and your affiliates"? She hung up the phone!

No, I'm not a 5/3 account holder, however, if I patronize your ATM and pay a fee, that makes me a customer. At this point, I am seeking the Better Business Bureau to intervene, to initiate both a voice of reason regarding this matter, and a corporate response to this situation. I am not interested in a response from local or regional levels because I made several attempts which resulted in the police being called, Amber hanging up the phone, and being lied to by both the branch manager (Amber) and the regional manager.

4. I want the company that owns and/or services the ATM to file an additional complaint.

This was not a situation in which my transaction was complete, cash was disbursed, receipt received, and simply, the card was retained in the machine. Nor is this a situation in which the transaction was $20 or $30, and less impact is stolen. Yes, 79th street is an undesirable area, however, 5/3 provides this location for customer convenience, but this situation has escalated into an inconvenience and horrible customer service. Does the alleged management affiliates think people in this inner city neighborhood don't have the intelligence or foresight to initiate a corporate escalation, and demand adequate service? I have a master's degree and have held corporate positions at Fortune 100 companies. My entire career has never experienced this level of service from banks in more established areas, nor would I allow any front line levels of management to react in this manner to any customer. Is this situation discriminatory? As a result of this ordeal, I never made it to work attempting to get this transaction closed at the ATM, my card returned, seeking customer relations to escalate this matter, ordering a new card, going to my bank to complete the necessary documents for dispute, as well as, drafting this document. At minimum I am seeking the following:

5. 5/3's accountability on behalf of their front line management's behaviors and blatantly lying to a customer, as well as, their lack of ownership to resolve this situation at a 5/3 banking establishment.

The outcome of this situation will condone if 5/3 validates these behaviors from front line management or supports a higher standard of service to customers in our neighborhood. The outcome of this situation will also determine if I will further expose this situation to other customer advocate agencies and/or banking regulatory affiliates.

I made a video which explains everything. It is an animated video of a recorded call I made to Fifth Third after receiving countless harassing calls from them due to a negative balance of -$22.00, because they withdrew fees for their own profit. Ever since the middle of June, they are withdrawing these fees because I didn't use my card enough and/or my account balance wasn't at $1000.00, on average. I have been receiving automated phone calls, multiple times per day, from the same phone number (8009723030) telling me to call the exact number back to speak to a representative about my account. I know my account standing with them. They cannot charge me any overdraft fees because I did not overdraft my account, they did.

I called them back on July 7, 2011, the first time, and they said they will take me off their list so that their 'automated system' will never call me again. I was very persistent about this, however, the call volume increased over the weekend. After they called me several times on Monday, July 11, 2011, I called back, spoke to another representative, and told her I knew my account standing to take me off their call list, maybe mentioning the "FTC do not call list". She left me on hold, leading me to hang the phone up because I did not have the time to sit on hold.

The very next day, I received 4 phone calls between 10 am and 1 pm, from their automated system again. In frustration, I called back. I recorded the call myself. I spoke to a representative named Chris, and he 'pretended' as though he could not make out one word I was saying, although, in the recording I am very clear, precise, and very calm while explaining the situation. I repeated myself, and Chris hung up on me. I still continue to get multiple harassing calls daily from them, and I report them to the FTC every time. I have also reported them to the Federal Trade Commission and the BBB of Cincinnati. Their calls will not stop. This is definitely harassment. I am very tempted to file a harassment lawsuit against them.

it wasnt our bank here that gave me trouble is was the call in loan department, i was trying to pay my husbands truck payment they wouldn't take it ad i wasnt on it, but my husband has talked to them at least 3 times and gave me permission to pat the truck payment, bank account in both our names the truck is in his,but we had to reaffirm the truck and my name is all over those papers,

omg you would think that they would want their money instead of giving me so much trouble,im at the point almost to change banks because i never had this problem before, i don't know if these people are high or just plain ignorant but my husband really got angry at them ,and told them off gave the permission for me to pay truck payment.why didnt they write this down,if this happens again trust me we will change banks m not taking money out just want to pay truck payment

I received a letter from my mortgage company fifth third Bank. In that letter they said they had a special program passed by Pres. Obama that could lower my rates regardless of credit score, no appraisal needed and a quick closing. I am now paying 6.37% Juan Martinez told me my rate would be 4.99% so I accepted the offer and filled out all the paperwork returned it overnight mail. I received back a good faith estimate and on the good faith estimate that said I could use my own title company that I contacted my attorney Richard schimizzi he did the title work and got us ready to close.

A couple of days later I got a call from Juan Martinez saying that there was a federal tax lien against my property from 1995 I contacted my attorney he checked into it and the tax lien was released and he informed me there was no current tax lien against my property. So Juan Martinez from fifth third Bank said he could not finance my mortgage now until I removed the federal tax lien that means nothing it is already released. My attorney tried to contact Juan Martinez by phone on numerous occasions with no return call. I've lost $1000 in attorney fees through this constant work Mike and attorney has been doing trying to contact and the fifth third loan. Also the same exact lien was on my credit report three years ago when fifth third Bank gave me that mortgage I asked Juan Martinez why that the mortgage then with the same lien on their he could not answer that question.

My father died 3 yrs ago and left me a house that I reside in that has a mortgage and home equity loan for more than the property is worth at this time. I have the registered the quit claim deed with the State. I have been making the payments for the last 3 1/2 yrs but I am on a fixed income (SSD) and am no longer able to pay the loans. Both Loans are in my fathers name and as long as I make the payments they have not tried to call the loan.

I have been to the bank a couple of times trying to work with them hoping to consolidate these loans and make the payments more affordable. My father was 80 when they granted him the home equity loan for 37.000.00 but would not insure it because of his age. Also it was an interest only loan payment so for 3 yrs I have been throwing that money out the window. They said that they could not transfer my name on the loans as they were given based on his credit rating not mine and because I am on SSD my income ratio is not high enough for them to do that which prevents me from refinancing both loans at a much lower rate.

I have been told that if I let the house go that it will not affect my credit because the loans are not in my name however, this is the only place I have to live. I have no relatives such as children, siblings, or other living relatives to help.I have tried to talk to Fifth Third Corporate but they refuse to talk to me because according to them they are not authorized to speak to me even though I'm the sole survivor and have been making the payments since my fathers death. So, basically they are holding my house hostage and I can no longer make the current payments. I am currently 1 month behind. I would like to know how long I would have if they forclose as I must try to make other arrangements.

I have been paying and paying and paying toward an auto loan, almost $2200.00 in 6 weeks, and the payoff amount never changes. It's been $9000.00 for over a year now. What are they doing with my money? I was 2 payments behind that totaled about $700.00 and got hit with $2200.00 in payments. I have heard nothing positive about this bank and their practices. Why isn't the government coming down on them? Why are they able to hurt innocent people?

The last page in my car payment book says to call this number at Fifth Third Bank to get the final payment amount, so I did. Payment was slightly lower than my monthly car payment. I send in that payment and assumed car is paid off. Fast forward 1 1/2 months and I get a letter in the mail saying I owe almost $1100 for the final payment and its due in two weeks or I will get charged extra late fees! What a bunch of ****!

Why is the final payment over twice what the normal monthly payment is? Why did their automated system give me the amount it did, then want more later? It's a bunch of ****. I called them to try to sort it out and to my surprise, they say that I owe this $1100 and they have no record or proof that the other amount was given to me. And there is nothing they can do and that's the amount owed. Fifth Third **! If you have a car payment with them and you're near your final payment, call the automated number they give you and record the call! Otherwise they will pull the same ** with you as they did me.

I will never ever do business with them ever again. I will steer everyone I know away from them! And I love the fact that this P. Brian ** whose name is on this letter cannot be gotten a hold of. No email address anywhere, no one will connect you to him. Everyone, stay as far away from Fifth Third Bank no matter what. Do not get a credit card from them, don't do a car loan with them, do not get a house loan with them, don't even get a checking or savings account with them. If this is how they treat someone who has always paid their payment on time, think how they treat others! Fifth Third you **! Needless to say this is putting a huge stress on me, having to come up with $1100 in less than two weeks.

I was told by Ms. ****, the manager, that there would be no account closing fees when I opened a couple of accounts. However, when I did close the accounts, I was charged $36. I have appealed to the branch as well as the corporate office yet until now, there is still no response.

I don't know what happened. All I can tell you is I just kept getting further and further in the hole and couldn't figure out why for the longest time I could only be .50 cents behind and would be charged the full fee plus a daily charge until my direct deposit came in on the 1st and the 3rd of every month. By the time my checks came in I didn't have any thing left. So I left 5/3rd. I am on a very limited income SSI and disability. So needless to say, it took a toll on me

I banked with Fifth Third for about 5 years. I had so many issues with the charges they had. I was once accused of "floating money". I'm still not sure what that meant.

It was bad when the bank turned into Fifth Third. Every month, there was some kind of over draft fee. I could not understand how they explained it to me. However, in 2006 and 2007, I was working as a teacher for children with disabilities. I am a retired veteran a cancer survivor and I was a big fighter, but in that year, the problems with the bank started to get worse and worse. Checks would bounce and my power was turned off. My very first rent check after 8 years had bounced. I couldn't figure out what was going on. I thought it was me, but I have always said that when I buy a cup of coffee with my debit card for $3.00 and after overdrafts and other fees, it becomes $73.00. Why would I do that over and over again? For a cup of coffee.

I would ask them to explain to me when the charges take place, and they said I made the mistake, not once, maybe twice, but all the time to the point where I would see a charge that I didn't understand, and then purchases going through or not going through. I would write everything down but the way they explained it, they put my biggest purchases through first because it could be rent and then the little ones. I would ask what a specific charge was for, and they would say it was a fee, but that fee would make the purchase go overdraft, and if I knew about the fee or if I knew they would run it through, I wouldn't buy that cup of coffee.

I am not going make that mistake more than once, but they insisted I was making it a lot, but it seemed that I was making it a lot. Before Ii lost my job, I was paying my school loans. My degree is psychology but I had to go to school full time for my education and I had to pay for the tuition. Unfortunately, my finances were getting out of hand, and even though I'm a retired military, making almost $30k a year and a new teacher, making now $30k a year, I was not understanding why I was not reaping some of the rewards of that check. I started having difficulties with my job, and so, in the end, my identity was stolen (that is what the bank said) and I lost two full paychecks to an overdrawn account twice.

I changed my school pay to hard check, and the direct deposit from the military went into a frozen account. I was also reporting the theft and I received maybe about $1,500 in and out because they would give it and take it back. All in all, over $5,000 was stolen during that time, but that was not all. It was just starting to go downhill. I could not pay my tuition; I lost my tricarenhealth insurance; I was getting sick from the worry and from people thinking, "She makes money. How could she be doing so bad?" My car was falling apart and I couldn't pay to fix it. I was losing everything, the financial aspect was so hopeless, and I looked like a mess after losing my job. I tried to get my funds in order but it just did not work.

Once, I remember just being scared and totally broke and I had just tailed to the call center (which is the worst because the call center, the internet, the banks and ATM's never have the same balance). I had expected to be reimbursed with the funds that were stolen. I went to an ATM and bank. They said it was not available until Monday. I remember having a breakdown right there at the bank. I had ran out of gas. I had no money for food. I couldn't even pick my son up from where he was and I had no food for him. I was hysterical the manager did not know what to do, but I didn't know what to do either. It was my money, my money and I wanted to know where it was, why it was being taken out of my account, and why they were letting people take money out of a frozen account?

I tried to explain to the man that I was to be reimbursed for some of the money that was stolen out of my account in February. They said I was getting $100 back, but they failed to tell me it would not show up until that Monday. Fifth Third seems to think that the "wait until Monday" claim is a fix to it all. Maybe they need that time to find a way to give back what they take. The manager gave me $20. I was so humbled so grateful, and he said he was embarrassed for me, and after, he would not even talk to me. This was my branch. Nice huh? I was in fear of being evicted. My power was turned out and the fees for the bounced checks for FPL were crazy. I was struggling and I was so lost and so sad.

In October and November of 2007, after I paid the September Comcast cable bill with my debit card from my checking account (not the frozen one), Comcast claims that I must have checked the box "please take out of my account every month". I can't blame everyone for my mistakes, so I could have done that. I just don't see how I would agree for them to take money out of an account that I was never going to be sure what the balance would be. I just would not set myself up to fail. Not that they said I did, and so I guess they had my account number from when I did pay by check when things were okay, and they hit my frozen account, over and over and the fees were racking up and racking up. Hundreds of dollars that I did not have to give to Fifth Third - gone. Overdraft fees overdrawn on my overdraft, and now, I didn't notice it in October because that account had a certain amount of money, no more no less and I didn't check that week.

Then, November came and I went to transfer over only my rent and my car. I didn't look at the balance and that was my fault because they hit me in November too, but I realized right away when I tried to withdraw money for food and I had none. I looked at my account and it was all gone, hundreds and hundreds of dollars. I should have checked, but in September, I actually received my whole check that Comcast was still trying to hit my account, so I called and called and said, "Stop, drop, and roll." That is when they said I asked them to take out the funds, but I said, "If there is no money, why are you hitting the account over and over?" They did not claim responsibility and I had fees to pay to them and I had to pay in cash. The same goes with FPL and my rent -all paid in cash; it's difficult.

I called the bank, and they said I should close the account, but if I told them to take the money out, it was not their responsibility. I said, "But the account is frozen, I can't take money out without talking to a manager." I asked who will repay me, and they said I shouldn't have agreed to pay a bill when I didn't have the money in the account. I called Comcast and said, "Stop, drop, and roll. Why are you doing that?" They said I asked them too. So, I replied, "If I did, why didn't you stop when you realized there was no money?" I told them I didn't remember but the account they had from years before was not the one I had paid the bill with in September. They had information from the frozen account, but it was frozen - no access. They should not have allowed Comcast to even try to hit it to get the funds out, and if they were why didn't I get a call? Why didn't they stop it? There was or should have been an alert on that account.

They said it was not their fault. The bank said that the only way to stop Comcast would be to close the account, but I explained to them that my identity had been stolen and that specific account could not be changed because I was under the belief that changing my direct deposit would take months and I didn't have a month extra to wait for my money. Then again, I was treated like I was stupid, like trash - "Oh, she can't manage her money. Where is her money going?" etc. etc. I was surprised the bank allowed this to happen. The frozen account became overdrawn by hundreds and hundreds of dollars - all overdraft overdrawn fees.

Because of that, I lost my vehicle. My father was a co-signer on my Suzuki and he took it because I couldn't pay for it. I was also evicted. The only good part in that Christmas month was that I did work the following year, so I was getting my income tax and the money from my November paycheck was pretty much gone, so making it to December, only $1,000 or so, overdrawn (yes I know it sounds ridiculous but this was my life). I knew I was being evicted and the manager allowed me to stay for a few weeks in December because it was a holiday, and the electric went into the complex's name. I was lucky too because I could rent a car for the December car payment.

So, I withdrew all of my money. I was not going give anyone a chance to take any one (and still on January, I was overdrafted because of a charge). I paid cash to rent a car and I had my income taxes coming in, so I had to go to a pay here place to get a car and they allowed me to get it based on my income tax. I found a place to live I was going go. In January, we were homeless but my son didn't really know because we were moving the first of February, and so with the January's check, I withdrew everything that was there and held onto it.

While I had the rental I became very sick,. but I lost my health insurance, and I was not really knowledgeable on my va benefit. When I got out of the army, I was supposed to die and I didn't, so I put all of my stuff away. I almost put myself through college, although I'm default on my college loans now. I was very sick and could not return the car so they picked it up, and the month of January was not too bad, but I made the mistake of not looking at my account. Why should I? I know how much money is in there, I know how much I withdrew, and I know exactly how much I spend on my debit card. But the day I moved, I saw that my account was charged over eight hundred dollars for the rental car. I almost went crazy because of course I had like $1,000 dollars in the account, and it covered that loss but I had bought coffee and some other things, and the sad part is that it would have been covered but the way they did it, I had overdraft fees collecting overdraft fees. I called immediately and I was so mad. I had to prove that I paid cash for the car and that it was not a deposit. Because my account had so many overdrafts, they thought I was a liar.

When they sent the paperwork, it got lost in the mail, and so, after returning the money and the overdraft fees, they took it. Why? Because my mail was outta whack and I didn't get a piece of paper notarized and have it returned by a certain time. I was so upset. I tried to explain that I had moved. They said that they don't send stuff like that to new address. I said I could go to a local branch and have it faxed but it was the weekend and the department was closed. I was out of luck and of course I had to buy food and stuff, etc. with the money they returned, so once again, I had no money, and by then, I was so sad, so disappointed, so sick, so depressed that I just wanted to die.

I did find out I could apply for unemployment so on February, I did; however, there was an issue and I had to wait for an appeal. When the appeal went through, I asked for direct deposit. They owed me $2,200 back money and it would take longer than two days for the first direct deposit. So, I waited and then called, unemployment said the money was released and Fifth Third said it was processing. I should have asked for some proof but I was desperate again, I had to pay rent I was spending quarters to buy food. I was hurting. So, I paid my rent and I bought groceries and some other stuff.

That Monday, I checked my account, and all of the purchases went through but no deposit. They processed the purchases before the deposit it was still holding, and with two checks for 100 dollars coming in to bounce, I was in trouble. I was so freaked out, the charges were just unbelievable. If you recall, I had already some overdraft fees from the $800 and prior fees that they took from my account because I didn't get some paperwork notarized. I knew that my paycheck would cover the overdrafts from that so I knew I had an overdraft but it was like the third of the month and after I paid my bills with what was left with my paycheck. I was making purchases on the $2,200 that should have hit that day. The bank said it was there and they could see it. So, I called and called. I was hysterical.

I called everyone. I called and called. I found the investors, I found numbers of people who worked for Fifth Third, and finally, got some secretary to a big boss who was at a pool party. I explained to her that I had a deposit "pending" and it would be okay to write a check and use my debit card. However, those transactions I did were processed before the pending deposit, and if the deposit goes in, it will leave me with no money because the account was overdrawn by over $1,000.00. I am not that stupid. I explained that with the money for the rental car place, I didn't receive paperwork to be notarized so they took the money (they stole my money) from my account, and they did not process my direct deposit when they said they would. Now, I was going to be in debt again, and I just had gotten paid. I was so sick of that.

The secretary called someone, and then a different branch, where the manager there allowed me to take out the rest of the money being processed. Out of $2,200.00, I received only $1,000.00 and I had not paid my rent or car payment yet. I talked with the branch manager and told him that this was not new. I call all the time, asking why this got charged when I used my card a week ago, and then I would use it that day and it was just wrong. I could never balance my account. The phone banking was different from the internet which was different from the banks and ATM. I told him about my identity theft and that one time after my account had been frozen, This branch manager I spoke to said these things happened but not at his branch. He would fight them and would make sure I was never charged fees that could not be explained.

That day, even though I only walked away with less than half of what I was owed (the actual expenditure after talking to unemployment and the bank was maybe $200.00 little buys with my card as I said before, coffee, a treat of McDonald's for my son, gas, separate paper, ATM and two checks one to sweetbay and to publix), I felt kind of happy because maybe this guy would help me fight back, and I needed to fight back. No one listened to me when I was having difficulties in life. I was having financial difficulties. I mean serious financial difficulties make a person look almost dishonest, especially when I should have all of this money, and so after my identity theft, I was so frazzled. After having my son sleep at a friend's house to eat and have electric, I looked like a horrible mom, trying to blame my money problems on a bank.

Even before the unemployment, when I lost my job, I was geared to make about $60k a year, and I worked hard for it. But with that bank, I was never able to enjoy it. I don't blame Fifth Third for my problems in life, but it caused major problems. I don't blame Fifth Third bank for my problems, I should have checked the accounts, but even then, what could I have done? It was stupid I know to leave my money in there, stupid to listen to the lady that it would take months to get my money back, but I blame myself for my failure, and although I faced some horrible, horrible things, things that I should have fought, things I tried to fight, I can tell you that when a person had ongoing financial problems, they lose credibility. I do believe at times I was so overwhelmed with what was going on that I made banking errors, but I believe it was because I would not understand the way they processed my spending. I would not spend unless I wrote it down and then some random charge for 10 dollars would send my down the rabbit hole. In the end, there was no room for error for me, and people were believing that even if I lost my job, I still had retirement. How could I lose my home? Oh, it must be drugs.

So yes, I dealt with some horrible things and horrible people, but when I asked for help, my financial difficulties made me look so poor in character that my church would not help. No one wanted to contribute to my downfall. I even lost my tricare insurance and lost the ability to check up on my cancer, and in the last year before finally changing banks, I was sick and afraid. I felt my funds were being held hostage and as a result my son and I as well. But after losing that $2200, I did feel like if I changed branches, it would be okay, but I was not allowed to.

After that, I took a deep breath. At first, I cancelled my direct deposit and decided to just get in in check version. It's what I had to do the last months that I worked as a teacher. Then, I finally found a bank that I felt would be okay. Now, I have been sent papers of threats of going to jail and that threat my friends put me over the edge. You see I had been assaulted by a police officer the month after my identity theft, and I was terrified am terrified of the police, so when I was threatened with that I paid almost $700 to two different companies on checks that had bounced. Checks that should not have bounced, but I was terrified of going to jail.

Now ,I don't even go to the mail box. I don't go outside, nothing. I pretty much lost everything because well, people need money to survive and if you put it in the bank, you trust that bank, and that bank because they know you will get this amount every month and because they know I can't seem to fight them on it, then I don't want to say steal, but my funds were easy access, and it was because I was too pitiful to fight back. Anyway, these are a few examples of what the bank did. I did receive a letter in the mail that Fifth Third was going to be sued and I thought, "Thank God". One thing that I can say is see this happened, I am not lying.

I don't think I'll see anything nor do I hope I do because that is what life is, but I just want justice vindication. I know it says lawyers will read this and lawyers don't want drama, they want specific details. I hope it was not confusing. I had a flood last October, and we lost everything to black mold. I kept the identity theft paperwork for so long, even when I thought I couldn't stand it anymore but a lot of it was ruined by mold. Sadly, that 2200 dollars was supposed to go to rent and because I didn't have the money until later, the landlord would not even pay me what he owed me the first last and security. He believed I was disorganized and dishonest because I would tell him the bank said that I'll get my money next week and it would never happen. And even though I paid him and his late fee, he believed that I was a bad renter and when the house flooded, his attitude towards me was so bad that he did not want to pay me what he owed me, and just like I've been doing for the last three years I said nothing. I sat in my house and that's it. I actually have been diagnosed with PTSD, and it even concerns my banking issues. It's almost embarrassing.

Well, Thank you for allowing me to at least write this down. If I repeat myself or go on about something, I really apologize. I know that rambling does not help. I know lawyers just want info hold the drama, but I have never really told anyone because people would not believe it and because I was embarrassed. But I was so afraid that check that came for 10 years, even though most times I would not see the whole thing was all I had. I do want to say that in my new bank, I made a few banking errors, but I rarely am overdrawn. I live paycheck to paycheck. Ii won't go to the mail box because it terrifies me but my banking problems in so far as it not being touched seems good. I hope you were able to get to the point.

I understand Fifth Third has a class action lawsuit for stacking the debit card purchases so more overdraft fees were incurred. But they also did the same with checks. On all my overdraft notices, they always process the largest amount first. So if you had 3 or 4 checks go through the same day and you were on overdrawn a few dollars since they process the largest check first you may get charged over $100 for these items when only the one check put you over.

I have had a lot of overdraft fees that I was quite sure were bogus. But when I called and talked to a man who was supposed to take care of these fees, he refused to do anything about it. They would run debit, checks, etc. through before they would enter my deposit. This issue resulted to more than $100 in overdraft fees that spiraled out of control. It also caused major problems in my marriage.

I have paid over a thousand dollars in fees to my bank Fifth Third over the course of the year 2010. Many seemed a result of "timing" in how transactions were processed. I realize that I bear responsibility for some overdraft charges. However, in speaking with other people about their financial institutions, this seems really overkill. I am in the process of switching banks. I heard there was a class action lawsuit on behalf of Fifth Third clients. I wanted to see if there was any refund due to me.

I just got a call from a collection company for a charge for Fifty Third Bank of $765.00 for an overdraft of $5.00 which happened 3 or 4 years ago. Unbelievable! They stated the charge has been taken to court and that I was being sued.

I have been banking with Fifth Third bank for 7 years and have been charged numerous times for overdraft fees that I should not have been charged for. It resulted in having to pay a lot of money back to the bank.

This bank plays games and refuses to modify customers with low rates. They try all the tricks to keep customers be slaves on high rates. They also have a very rude customer service which puts you sometimes on hold for more than 45minutes until you have to hung up and call again. I have been experiencing this situation many times now in the last few months. This bank needs to be under investigation. The way they abuse consumers is unbelievable. You should stay away from this bank! If it will end bad, I will have to pay $70,000.00 and suffer a lot of aggravation and loss of sleep.

The last incident that took place was an internet fraud, I should say. Taking care of business over the internet, my information was taken and used. After disputing the case, even though I pay security alarm service monthly, I was charged for this disruption in my account.

It took my account to a negative, which I was not able to get out of.

They asked this consumer several times to close the account. This bank signed me up for overdraft over the phone. I never received anything on their overdraft policy. I paid several fees. I was told by a rep that the checks would be paid. That was not true. I deposit my whole check in the account for fees only. Please help. This company with not close the account, but they are charging me fees everyday.

I have direct deposit in my account and on numerous occasions they have had an available balance showing in my account and when I use my account, I get an overdraft charge.

Back in 2009, somehow a theft alert was put on my account and I had 11 checks that got sent back as fraud checks to the places I had written the checks to. Fifth Third was supposed to put the money back in my account and also send a letter to all of the places that they had returned the checks to. My credit card interest rate was raised from 0% to 24.99%, and Fifth Third never took the time to reimburse me for any of the charges and I'm still waiting to hear anything about them giving me credit for all the $25 fees that were placed on my account. To reiterate, I had plenty of money in my account to cover all the checks and somehow a theft alert was placed without me knowing and the bank had no clue how it had gotten placed on there. I was two days away from going on a vacation and it was a nightmare.

I was charged with overdraft fees, which ended up on credit report, and it prohibited me from opening another account at another bank.

I am tired of the so called 'overdraft fees' that Fifth Third Bank gives to us. They seem to chalk my husband's paychecks and leave us with hardly nothing. It seems like we can't win against them. All we want is to pay our bills and live comfortably.

I was charged overdraft fees many times when taking my money out. They gave it to me then charged me fees saying that the money was not available yet, and my response was how was it not available if I was able to get it out? I had to pay fees more than I believe I should have.

My account was charged an extra overdraft fee for something that was already taken out of my account. When I asked about it, they said they take it out from smallest amount to highest amount which doesn't make any sense to me because before, when I used my card, I had an amount in my account and the next time I used my card, I had checked my account and that amount was taken out and I had a smaller available balance. Then before my check posted, I checked my account and I had extra fees on my account that they refused to refund. I just told them I was going to just close my account because I refuse to deal with a bank like them. The fact that the bank is already being sued for the same mistake. They should have just fixed the mistake instead of mistreating and talking to me like I was stupid.

I want to join this lawsuit. I have my mortgage on automatic withdraw every month. I have set up automatic transfer for $900 to be deducted every month on the 7th and my mortgage to be paid on the 9th every month. The bank pays my mortgage on the 7th, throwing my account into automatic overdraft and doesn't transfer the $900, as scheduled. I'm tired of paying fees that are unjustly given.

Fifth Third Bank representatives are saying that I haven't been making deposits when in fact, I am. They kept charging me fees even if I brought prof of deposits. They would claim that it was my fault! I was threatened that my account will be closed and would be escorted out! I still ended up paying the fees plus late charges.

I was charged with overdraft fees even though the funds were available. I would have had enough money to pay for items had the fees not been charged first and also out of order. Also, credit was not given for deposit after the bank closed. But the items purchased went through after the bank closed.

I opened a Fifth Third checking and savings account to save money and help keep my finances in control. The very first month, I was charged several overdraft fees because the transactions were not recorded or processed by the bank in chronological order. On top of overdraft fees, I was charged a daily fee for each day my account was overdrawn. The bank would send a letter in the mail to notify me of overdraft, and therefore would cause a much larger amount in fees because of the delay in the mail. I would balance my account and then get charged for the largest transaction, as it was taken out first, then I'd get overdraft charges on the much smaller items and the money would have been in the account if they would've done the transactions in the order I did them in.

I opened a savings account as well and never got the money for the 'points' I acquired on my ATM card either. The final straw for me was when I went to deposit a payroll check and instead of giving me the $100 advance that they give you, they charged me $48 for $0.86 that they overdrafted from my account. The next day, I used the ATM and withdraw money and my check had cleared, I went to the store with all my groceries, got ready to pay for them, then my card was declined. They put a hold on a payroll check for 10 days! I was then told I could not close my account until it was in the positive for 24 hours. While my check was being 'held', I acquired more overdraft fees on top of that. I tried to get a form to reverse the fees and they told me they no longer gave out those forms and they can no longer be filed. In the 7 or so months I had the account, I was charged several thousand dollars in overdraft fees resulting in not being able to pay other bills and almost throwing me into major debt. Going to the bank should not cause such stress and anxiety, which it did on every occasion I went to the bank, or spoke to a banking rep or even checked my account online.

Ms. ** was very nice to me. I wanted to say that up front. I did write some checks that bounced, but I was charged too much in fees. I started making payments worth $976.76 Feb 2008. My checking account #** was closed/charged off in Jan 2009. My current balance (I think) is $736.76. I'm guessing, but I believe that at least the $500 worth of fees was from the bank. The original amount I owed was around $1,000.

I went $35.00 over on my checking account. The bank did not take it from my savings to cover the amount and they tried to charge me $350.00.

I would like to know how to join the class action suit against Fifth Third. I did have an overdraft; however, I placed enough funds in my account to cover the negative balance and yet, to my surprise, had a $66.00 overdraft fee against this morning which overdrew my account yet again. How do I join this class action suit? Also, I have past experience with Chase Bank over a $4.00 internet charge. I asked Chase Bank to close my account and they advised they couldn't and the charge would have to come thru. That was fine. I then asked them to close the account as soon as the $4 amount was paid. However, unknown to me, they continued adding this amount to an account I believed they were going to close. When all was said and done, that $4 became $600. When notified of that finally, I was advised that they had then closed my account but only after the overdraft fees reached $600. Is there any recourse on this or class action?

I was charged overdraft fees when I had enough money to cover the charge. I even had a savings account to cover me even if I overdrafted. I was still charged over $800.00 worth and I am in debt with them because I lost my job and could not pay back those fees. My debt with them is now around $1,285.64, if not more. My credit score has gone down and I am paying for it now. I cannot get another bank account with a creditable bank because of these fees. I cannot even get approved for a credit card of $200.00 without pre-paying.

They have been charging me overdraft fees two to three times for a transaction even when funds get deposited. They seem to hold the deposit and then if a transaction comes in, they charge you overdraft fees because they say the payroll check does not clear.

I have been charged thousands of dollars in overdraft fees even after I made sure there was money in the bank. I was charged 37.50 for an overdraft of about 1.00. I would like to get in on any class action lawsuit that may be going on against this bank. Please help. If a person overdraws his account, he certainly doesn't have the money for this bank to steal from him. And that is really what they are doing. They will manipulate the charges so that they will get every penny that they can from you. Please tell me what I have to do to get in on this lawsuit. I have lost thousands and even after I have deposited well over the amount needed to bring my account into the black, their fees would take me back in the red. Thank you very much.

I had three direct deposits going into my checking account and they would post payments or transaction before posting my deposits. Then if I would write a check, they would hold off on posting my debit card transactions return the check for insufficient funds and then charge an overdraft fee for each of my debit card transactions. Within a timeline of three months, they had taken over $1500 from me in overdraft fees.

Every time a check is deposited, a fee would be charged if I used my debit card. The account would overdraft, even though I have direct deposit for my checking account.

I sent a certified letter to Kevin, stating that they gave me $444 in overdraft fees that were not legitimate as I deposited a money order and had $759 in my account to cover my bills and they never processed my money order until Tuesday; and on Monday paid a check that I wrote out on the money order; and then bounced all of my ATM transactions and charged me nine overdraft charges on Monday totalling $333; on Tuesday charged me another $111.00 in bounce fees and then finally posted my money order.

A couple months ago, I had just sold my bike for $2,000, so i put that in my account. I knew when I signed up I thought I signed something that if i over-drafted my account, it would get taken out of my savings account, since my work checks get deposited into my savings. A couple months ago, I transferred $300 over to pay a Capital One bill. It took a couple days, since it was over the weekend. I was going shopping and put another $100 in checking just to be safe. I spent $70 (not exactly but a little more than $70) while shopping. The next 2 days I checked the account, and Capital One had not gone through yet. Still the $300 and something was in there to cover that. That week I had tried to use my debit card for small things, like something to drink at the gas station, but my card got denied. I didn't think anything of it. I thought their machines might be not working properly. I did it again the next day, and the same thing happened.

I read my mail that day, and it said I had $500 and some overdraft fees from Capital One rejecting the payment since, "the sufficient funds were not in there". I knew immediately something was wrong. I went to two Fifth Third Banks, and tried to figure it out. I got sent to the one where I signed up, and all the guy had to say was "oh looks like your problem is using your card too much, and explained that I had spent the $300 and Capital One refused it, because the $300 was not there.

I knew that was not true either, because I put the $100 in checking also. When he pulled it up, it looked the opposite, and there was nothing I could do. I knew i was right but he said "oh well i can take 75$ off but stop using your card so much". Who is he to tell me how to use my money. I never carry cash on me, but I check my account daily to see what funds I do have. I asked what I had signed and he said you signed the paper for us to not take it out from savings. I knew it wasn't true, but couldn't find the paper that I originally signed. I'm not saying I'm perfect, and that I have never over-drafted my account, but when the funds were in there i should have never been charged more than $500! Please help.

I intended to buy a car, but that $500 and something put me back a lot on bills, and everything else. I had to pay, not to mention, I wasn't positive if capital one even got their payment. They said they did, but on Capital One, it was showing it was not paid yet. I will be canceling with Fifth Third and going to another bank. I already stopped my direct deposit from work. Everyone I have talked to will do the same. $500 is a ridiculous amount. I would never even tried try using my card, and get charged the $30 that they charged me, to add up to $200, if I had any idea the money was not in there. Nothing makes sense about that.

In one month, I paid 190.00 overdraft fees. I had proof that the bank was charging overdraft fees for checks that were not yet posted on my account. The bank manages accounts on available balance day to day, whoever enters the drafts at night would enter the biggest amount and cause all others to bounce costing me and others several overdraft fees.

A deposit was made to my checking account on 10/19/2010 at 11:15 am and later that day, there were some online banking payments made. I left the next morning, for several days to Texas so the account was not checked until I returned on the 26th. The bank called and said the account was overdrawn. They charged my account on the 20th in the amount of $165 for overdraft charges. By the 23rd, they had charged over $230. I took a copy of the deposit to the bank only to find out that they did not post the deposit until the 20th although the deposit slip clearly showed the 19th. What they did was process the online payments which naturally would overdraft the account. Their overdraft charges are what caused the account to be overdrawn. Even talking to the manager was futile. They agreed to credit back $75 but that is all they would do. The balance due on the account was paid and I closed the account.

Even when I pulled up a copy of the bank statement, it did not show the account overdrawn on the 19th. The statement showed the deposit and the online payments also dated the 19th. How can the bank justify this overdraft?

On their "online" site, it clearly states that payments made after 2:00 pm would be dated the next day. When I questioned this, I was told that this is for payments made to 5/3. I told the manager that this is not what it says. Her reply was "well, that's what it means" So what it boils down to is that 5/3 Bank processes any or all of your debits and then posts your deposits. They know that by doing this, in the majority of most cases, it will overdraw your account and they immediately charge overdraft fees. This practice needs to be stopped, or at least when you make deposits and withdrawals on the same day, the deposits should be processed first or at least show a "pending" deposit.

I have spoken with several representatives and have gotten nowhere. I feel that I need an attorney just to get through to anyone with knowledge. I have co-signed on a loan that fell into default without my notice. They have my correct information on file and from what I understand, they are required to notify in writing about payments being late. The car was repossessed without my knowledge and they said that I had 10 days to bring the account to current, but that 10 days started 6 days before I even knew what was going on. I was notified by the other person who pays on the loan that they could no longer pay because they lost their job after the repossession.

This bank has also denied giving me full information about the situation by consistently telling me I have to talk to someone else. I have began requesting a loan through another bank to bring the car out of repo and get it current, but without a copy of the title, I cannot proceed. I am willing to cooperate with the bank to make payments to bring the account current, but the associates I have spoken with can never answer my questions. I am unable to make the full $1000 payment they want to release the vehicle, but I could possibly come close and bring the account current with several payments. The bank has given me no knowledge about the vehicle and what they would do if I only made a partial payment. They don't appear to want to work with me on a payment plan. Help!

They wiped out my savings account for over draft fees. I deposit my check and they held funds for 4 business days. In the meantime I did not realize that my funds were "unavailable" and used my debit card. All purchases went through, but they charged me overdraft fees for each purchase. My deposits were cash and payroll checks. I have been a customer of theirs for 4 years and never had a problem. All of a sudden they are holding my funds, they never told me at the bank when I made deposits that the funds would not available for 4 business days. I called about it a few times and they never gave me a straight answer. They tried to make it look like I was using my card when I knew I did not have money. I had all my deposit slips to prove that I deposited the day I said I did.

The bank charged me 540 dollars in overdraft fees by taking debits out of order. They cleared a check that came in on Monday and bounced 13 debits from the prior weekend. Then because of the overdraft then bounced the check too to get their 366 dollars in fees. Then another 36 then another 111, I told them I had made an error but only the check should have bounced not the debits from earlier. There was money to cover all the debits and most of the check.

I have been a customer with 5/3 for many of years. I did some yard work, along with other little tid bits for some people, who wrote me a check that also was with 5/3.The amount was exactly $110.00.I deposited the check. Though the bank never told me, this check that was written to me was in the rears, they deposited it. I had used my debit card, and made a car payment. Two days later, I receive an overdraft fee in the amount of $38.00, along with $110.00 that I deposited. Plus every day $8.00.At the time I was not working. The bank sent the check thru again. Another paper sent to me of $38.00, and another $8.00 a day. This went on for over two weeks. Every day, $38.00 and additional $8.00. I was now in the rears of over $800.00; I went into the bank after a few days to see why I was being punished, for this mistake that I didn't cause.

To find out, the people who wrote the check to me, was also being charged. As I'm sitting in the Bank Managers office, him wearing a smirk on his young face (I wanted to reach over and slap it off of him),he tells me, since I didn't have that much money in my account, I didn't have the money to cover this check I cashed. He would see me again. He didn't try to stop the massive overloads of over draft fees. He also told me, he would bet me, I would be back, begging for a chance to have them stop taking money from my account. That I needed to have some sort of money on me, even if change to deposit into my account, or I would be arrested. This happened in May 2009.

Back in September 2008, I had a bankruptcy that closed and we wanted to try and keep our van. We fell behind a payment and tried to work with them with it. I made arrangements with them to make a payment the day before my scheduled payment. They called me at work and said they were no longer interested in my money. I had enough time and they were going to come get my van, I told them I was making the payment the next day and they said my money was no longer good and they said they were coming that week to pick up the van. They verified my address along with my work address. I gave up.

Now, 2 years later, they never came, never called again and I just received a letter from a collection agency saying I need to pay them 11,000 for the van. They also called me at work and I told them what happened and all they kept saying is your refusing to pay. Well, after looking at my credit report, it shows up as a charge off which i'm not sure what that means but I expected them to get my van, so I had a different car. After 2 years now, they want me to pay 11000 after they said they were going to repossess it. Can't afford, that's why I was in the situation I was.

I have 1 income and 3 kids to take care of. I thought they were coming to get it. How can they ask for money now and get it. I don't understand, I told the collection agency they were supposed to repo and they just said, well, now they want the money and I don't think that's fair. I had to get a different vehicle because of them. I still have van and they can still have it. I simply can't afford to pay 11000 for a vehicle I barely use since it has sat for so long.

I woke up today and found my car was missing. There was no sign of break in. Because of that, I reported the incident to San Marcos Police Department. They ran my VIN and license plate and came up with no report of repossession. Later that day, my claim representative from Progressive called and he also called First Third Bank who were the lien holder, said my car was repossessed because of having no insurance. My insurance representative informed Fifth Third Bank that my car was insured, but according to FTB, there was no insurance since March.

They force added insurance, making my on-time payment delinquent. I was never informed, emailed, called or given notice. FTB said they had the old address, even though I sent a notice of address change with my payment, my check had current updated address. Fifth Third Bank transferred my call to repossession department representative. The representative said I need to pay $1008.68 + $565 repossession fee and other storage fee. She refused to say where the car was (undisclosed location). So I'm having my insurance company work with for me, but I feel like I'm dealing with a mob loan shark rather than a financial bank.

The person to whom I wrote a $200.00 check to on my 5/3 account was charged $8.00 to have it cash at a 5/3 bank. I owed that person $200.00 not $192.00 that check said (Pay to the order) of, It cost $8.00 to write a check on my own account this can't be legal, the check is a contractual agreement between me and the other party in good faith how did 5/3 get involved? When I opened this acct. this type of predator charging did not exist why? Because they knew it would not be accepted as a legal or moral practice. I did not agree to this when I signed on to open this acct. they owe me $8.00.

I want to warn anyone and everyone who is even considering any type of business transaction with Fifth Third Bank to think twice about it. This bank is unscrupulous, heartless and, funny enough, the recipient of billions in tax payer money I am told. If you are 30 days late on a car loan with these bandits, they will not accept your payment until you also pay your next payment that is not even due yet at the same time. This way they can say you were two months behind and they can try and repo your car. By repossessing your car, they sell it and get the full loan amount upfront due on the loan instead of waiting for you to make $200 a month payments over the next 3 years. Pretty devious and clever tactic that they use.

Then it's your word against theirs. You say, "I tried to make a payment on the phone and you refused it, then they deny it." I urge everyone to write the senators of Ohio, the Attorney Generals and the Federal Reserve OCC about this gang of, in my opinion to be is, crooks. Do not get involved with them in anyway. You miss a payment with a normal bank, they are happy to take your late payment. Not these guys. They will jump right to repossession if you have a car that you have been paying them on that has a lot of equity. I would be interested in joining any and all class action suits pertaining to this tactic they employ. They refuse payment on vehicles; then they say you are now so far behind that they can legally take your car, sell it and collect the full existing loan amount up front.

Hello there. This is for your kind information that I have gathered worst experiences after using my TFCU debit card for withdrawal money from Fifth Third Bank ATM Center which has been denied and stuck my debit card and never came out. Still there is sufficient money to withdraw. For assistance, I met the Bank Manager (Mr. **) there to return my card. He did not hear my words to return the card and he broke the card.

I have only one card for using my daily purposes and I am in new state. I will take two weeks to get the new card. By the way, he harassed me a lot. I confirmed with my TFCU bank regarding the same. They told that I have sufficient money on the account, why Fifth Third Bank denied? They are supposed to crash my card. By the way, the behavior of the manager (Mr.***) was rude. He does not know how to behave with the customer. I am totally dissatisfied. Thanks.

A friend of mine owed me $275.00 and wrote a check to me on Thanksgiving. He banks with Fifth Third Bank. On 11/26/10, the day after Thanksgiving I went to the local branch to cash the check, I bank at a local credit union which was closed that day. The teller informed me that I would be charged $8.00 due to not being a costumer although the man who wrote the check was and the check was written on his Fifth Third bank account. She said this was a "Service Fee".

I complained to the supervisor who basically told me to go to my bank. I told her I was being punished for dealing with their account holder. I informed her that from now on, I would be charging anyone writing me a check on their bank, would be charged an $8.00 "Service Fee". This is totally uncalled for and it is not right, in fact it's robbery.

I bought a car in 2008. I put $5,000 down and my boyfriend co-signed all. So we both lost our jobs three years later due to a shut down but still paid our car payment, sometimes late. We had the car for two years, and then we called Fifth Third Bank trying to get the bank to refinance the car so that we could get our payment lowered. They wouldn't do it because neither one of us had a job at the time. So my boyfriend got a job and then they still wouldn't let us refinance. Then three months later, they repo my car saying I owed $2,000 on the insurance that they was paying.

That was the main reason why we wanted the car to be refinanceso we could keep the payment up. We have never been late on our car note until we lost our job. We lost every thingour home and we are in depth over our heads. So I called them and asked if they could hold the car until my boyfriend get his next check. Then they wanted to know how much did I have right then. I told them I had $1,600. They wouldn't even take that. I was going to send them the rest the following Friday so that they sold my car on that Wednesday.

That was the saddest day of my life. I felt like that could've held it for me until that Friday. All I got to say is God bless them. I put so much money down on the car and only owed two more years of payments on the car. I really felt like I just been robbed for every thing I worked so hard for. They took my car because I was behind on my insurance and not my car payment. That really, really hurts. It's really a pain you can't explain. I felt like it was wrong.

I got a car loan through them only 4 months ago. They wanted to charge $0.30 for automatic withdrawal per transaction. I refused because no one else charges for that. I pay all of my bills online. Now, they are taking more than seven days to process my payments, which means getting hit with the late fees. I have mailed pressing documents to Kansas every day for a year now, and they get there in 2 days.

I am supposed to believe it takes 7+ days for mail to go across the state? From everything I have read on this site, this bank thrives on late fees. After I am done here, I am reporting this bank to every online legal authority there is. I am going to find another legitimate entity to refinance my loan next week.

On numerous occasions, I have done an early release to cover overdrafts and they don't seem to post in enough time to cover charges. I also have cashed my paycheck and they told me $100 is available now and the rest will be available after 8AM. But all charges go to posting at 12AM. Also, the fees they charge for savings account withdrawals no one can give me an exact answer to how the month is calculated. Whether it is your statement date or a regular month (i.e. January 1-31), they charge for any withdrawals over 5 in a savings account. YTD, I have paid $1700 in overdraft fees that go unexplained on most of them.

I bank elsewhere, but use 53 ATM close to my home, because it is just that. The $2.50 fee is silly, but I make sure to withdraw $300 at a time to lower the penalty for using a bank percentage. The last time I withdrew, I wasn't fast enough to get my card out of the slot, and the machine took it. I called the bank on Saturday. I was told if it was there, they would call me - after 3 on Monday. At 2:45 on Monday, Angie called and said they have mu card. But they have to cut it up because it is not a 53 card. If you think their overdraft fees are criminal, then what is this? I lost something. Someone found it. I can prove ownership. They won't return it. That has to be theft, right?

I sent my October auto loan payment which was due Oct 23,2010 in, on Nov 1, 2010. Without any prior notice my car was repossessed on Nov 20, 2010. My next payment is not due until Nov 23, 2010. I checked my account transactions from the bank I wrote the check, only to find that my check had been cashed and cleared by my bank on Nov 17, 2010. So Fifth Third Bank repossessed my car 3 days after my check had cleared. I am not behind on any payments, since my next one is not due until Nov 23, 2010.

I have already mailed this payment in also, but it has yet to post. So I called Fifth Third to see what the *** was going on, and of course Nov 20, 2010 is a Sat, there is no customer service to talk to until Monday. I have no idea if Fifth Third had the car repossessed or if they turned it over to a collection agency. I received no phone calls or letters letting me know my car was about to get repossessed! I just don't understand, how the *** does your car get repossessed for non-payment, 3 days after your check was cashed and cleared? Now I have to call Monday, and get it straightened out plus the repossession company charged me a $100 repossession fee and a daily $15 storage fee. As soon as I get this cleared up, I am going to try to re-finance with my local bank!

I received a call on November 19 from a collection agency that my car was going to be repossessed if the payment wasn't made immediately. I informed her the car was paid off in September but I would call Fifth Third to make sure they received the payment. Yes, they got it but there is another one due that is not in the payment book. I disputed their claim since I had made 62 payments already on a 5-year loan with no late payments all received early.

They informed me that they never include the last payment in the book that they send you a payment statement since you might choose to skip a payment or be late and they couldn't calculate that on a final payment voucher. They don't seem to know anything about an amortization schedule. They me told I owed and would pay it or the car would be repossessed. I have an excellent credit rating. I pay my bills on time and am furious that they have pulled this stunt. They do no include anything in the loan payment book informing you that it is incomplete and told me the car dealer should have given me that information.

I am 64 and an informed and experienced consumer I thought. They know it would cost more to get a lawyer and fight than it would be to pay. They also couldn't give me an amount I owed , but will send me a statement in the next 10 days or so and refuse information on any fees or penalties. So I have no idea how much they will charge. I'm sure they do this to a lot of people since they say it is their procedure.

Fifth Third Bank runs a scam on customers regarding fees. They will access fees against your account wrongly, refuse to credit those fees back, and then continue charging you fees at a rate of $8.00 a day and refuse to allow you to close your account until you pay all those fees. They then report this against your credit until you pay all fees. Their customer service center refuses to provide you with their corporate address or telephone numbers!

Let everyone know, they should not deal with this bank ever! !Also be advised that you can file a complaint against any bank at this government web site: www.federalreserveconsumerhelp.gov. When going to this web site, look at the first link on the right hand side column, and click on it to file a complaint.

My wife was an employee of Fifth Third in 2007. She applied for and received a joint MasterCard. She did it per telephone with no signatures. I was never informed of the transaction, never signed anything and had no knowledge of it until I saw it on my credit report in 2009. My wife has ran the card up to around $23000.00 in purchases, late fees and over limit fees. I am in the process of divorcing my wife and fear that this card will ruin my credit. I don't feel I should be held responsible for this debt as I never applied for it and Fifth Third bank never verified. I was not informed or signed anything for the card.

I am trying to do the survey you sent me and I cannot access the website. Any suggestions?

Fifth Third stopped paying dividends and has been using my money free ever since. When do they intend to start paying dividends again?

I incurred overdraft fees after they signed me up for overdraft protection which I did not authorize them to do. This resulted in $300.00 overdraft fees. That was the first time because I did not know what had happened. In the past, 5/3 would deny any debit that I tried to do. This just happened again which resulted in $187.00 overdraft fee. I have a checking business account, let's see what happens today when I go in to cancel my account.

I applied for a mortgage loan on July, 2010 to buy SFR in Chicago for $90,000 with 3% down. 3 months passed, but no denial was sent, and we had a good score and income, but no responses from the loan officer, until the seller cancelled the contract. When we called Fifth Third Bank and complained, they told me that Fifth Third Mortgage Company is a separate company, but they are housed in the same bank location. Illinois attorney general, LDFR and even the Federal Regulatory Bank should investigate this bank. We do not know where to call for the right person. We thought we applied directly to the bank, and that it is better, but it is a nightmare. You cannot call them evening or weekends, not like what the mortgage broker is doing.

Currently, we changed our minds, and told the loan officer to put 25% down (to be taken out of our 401K), and we are W-2 salaried income, and lived with our 2 unit property. We are planning to leave out our 2 units rentals with good equity, and live in a small, with family, home for $90,000. The value of our 2 units, which we lived for almost 10 years, is $250,000 whereas, we owed $150,000 only. If we are not qualified, then send a denial letter, but they did not. We like the house at a cheaper price, but the seller cancelled it, because the Fifth Third Mortgage did not send anything, whether it is approved or denied.

I have been charged overdraft charges daily from $434, $24, $8 daily. Last time I checked, my balance was $366. Today, the balance is now $406. How is this? This bank is just blasting me with overdraft charges. I was told there is a class action suit and the suit was closed but there are no forms to print. I get no answers from the bank and a representative told me they will not credit any fees. They transferred me to the legal department.

I had sufficient funds to cover transactions, so what did Fifth Third bank do? They went from highest to lowest, paid it and then started charges of NSF fees galore. Now, not only did they charge the NSF, they charged a lump sum overdraft daily fee, plus daily accrual fee? Is this possible? This is a ** ripoff. This is not the first time. My husband is not sure if he had an anxiety attack or what. We were $334 overdrawn, the next day we were $366 overdrawn. As of today, Monday, we are afraid to check. Please help! I know we have some rights. How many individuals had they cheated and ripped off? We are barely making ends meet with one income and 3 children. The economy is not getting better for America! Help.

Our loan number is 8934838. Finally, we have a our own PIN with Cook County, however a bill for taxes for year 2008, due in 2009, was sent to your company. The payment was sent to the county on November 2010 for $ 5,080.37. Another payment was sent to the county for $2,794.20 on February 2010, however that payment was the first installment for the tax due for the year 2009.

However, your company assumed that they will get a bill from the county again, to be paid some time around September 2011 for $5,080.37. I have been dealing with your company mortgage department and with Jane at **. I let her know, that this is the first time the county split the full amount of taxes in 2 installments, and the $5,080.37 is for the full year. Taxes in IL are a year behind.

I called the county, and spoke with a supervisor, Angela (**). She stated that I am correct, and the mortgage company can email the county, or go to the website.

Bottom line, by 12/01/10, my mortgage payment will be $2,499.46 a month, because your company have me down on projection for next year's taxes, a bill for $2794.20 by March 2011, and $5,080.37 for September 2011. That is incorrect. Our taxes for the year are $5,080.37. I need this issue to be resolved. I also spoke with my real estate attorney today about this. I will go to the media, and also file a legal complaint, if this issue is not resolved. My husband is really upset about this. You can contact me at **. I can't afford paying $2,499.00 a month for a condo, and $7,000 a year in taxes, when my actual tax is $5080.37 a year.

Our family has really struggled, as many have, the past couple of years. We have gone through all our savings (I'm 64 & 2 major surgeries in Nov & Dec 09). Now I'm disabled drawing SS Disability & husband is 78 with advanced Alzheimer's. Things being really tight, by the end of the month or until our SS is direct deposited to Fifth Third on the evening of the 2nd. I have had $572 in overdraft charges since 12/3/03, just after my first surgery. On 11/1, I had 7 debits come through and they took the 2 largest $99 for the gas for home & $70 for Time Warner Cable & paid them first.

I thought I had it understood lat month with the gas company that they would not debit (auto debit) until the 5th since our SS comes in on 3rd. Time Warner showed pending for 4 days then just disappeared. I finally checked yesterday to see if it had cleared & they showed it cleared. It popped up paid last night and all the smaller ones paid but $37 O/D fees on all of those. After e-mail complaint & lack of understanding on why they did it (paid larger first), they said it was their option (Guess so!). This is just not right; they did, as a "courtesy" refund $37. This O/D fee would have almost paid my power bill for the month. This has to be stopped!

On October 30, 2010, I received a letter from Fifth Third Bank stating I was in default on my car loan with them and I needed to come up with $951.48, including late fees of $15.00 prior to November 21, 2010, or my vehicle would be repossessed. I was not aware that my account was in default at all as I always pay my bill every month. If it is ever 1-2 days late, I pay the late fee.

I went through my bank records and realized to my horror that my September 2010 payment had not processed even though I had scheduled it through online banking. I scheduled this payment 2 days before I had major surgery and have been recovering for the last month. I had no idea that payment had not been processed until Saturday, October 30, 2010. I had already made my October payment. I called the bank immediately on November 1, 2010, to ask them about this default and how they came up with the total of $951.48. I was told that since the account had been turned over to a collection agency, I needed to contact the collection agency. I was not aware it had been turned over to a collection agency. I was told that the amount of $951.48 was for the September, October and November 2010 payments and there was a late fee of $15 in that amount.

Well, October was not even late yet and November was not even due until the end of the month! And, the amount for 3 months worth of payments did not calculate out to the $951.48. Had I actually been in default for 3 months the amount would have been more than $951.48.

They also had my name incorrect on the account as well as my home phone number, which was not my doing. They did that. They had my last name as my first name and my first name as my last name listed in their files. After the person at Fifth Third Bank gave me the number of the "Collections agency", I called that number. When the phone was answered by an automated service, it did not even identify a name or type of company that I was calling. When I finally got a person on the line, I asked her the name of the company I was calling. I was informed it was Regional Adjustment Bureau. I told her I wanted to clear up my account immediately and that I only owed the September payment. She took the payment over the phone.

After reading now all the other complaints about Fifth Third Bank, I can only hope that the place that I paid my bill to was indeed a legitimate agency. I called Fifth Third Bank to make sure they get my name correct on my account (my last name has now changed since I got the loan) and to talk to a supervisor about my account. I was told by Kirsten that I needed to speak to Customer Service at another telephone number on the name change and that since my account was with an outside agency, she had no information available on my account. I asked her why the person I had spoken to that morning had the information available. She did not know. I explained to her that I had called the collection agency and taken care of the matter.

Fifth Third Bank did not show that in their system. She told me I would have to call Customer Service about the name change. I called Customer Service and asked to speak to a supervisor. Uriel did not want me to speak to a supervisor, but finally a man named Eli came on the phone and I explained everything to him again. He had a very heavy accent and was difficult to understand. He told me I would have to call the Dispute Center number which he was going to give to me. I told him I wanted to know about the name change and he told me to call Customer Service.

I told him I had just called Customer Service. He started to tell me something about when calling in, but then he hung up on me. I never got the Dispute Center number. I called back once again and spoke to someone who first told me in order to change the name on my account I had to go into a branch. Well, I don't even know where a branch is, it turns out there is not one in my entire state! Then Caprice got on the line and told me to fax in a copy of my driver's license with the correct name and they would change it. I'm not sure I want them to have my DL information.

When I asked Fifth Third Bank about sending it to collections and not letting me know it was even being considered for collections, I was told that it is only a courtesy for them to send out a late notice or a notice telling them they were going to send to collections and then they didn't know why I hadn't received a notice. I did, on November 1, 2010, after I had called the bank and the "collection agency" receive a letter from Regional Adjustment Bureau stating I was in default for $951.48. Had I known a month ago that my payment had not processed, I could have taken care of it right away.

Fifth Third Bank has already turned me over to the credit bureaus for being "delinquent" yet refuses to remove that from my credit reports as they said it was not due to their error. I pay my bills every month and do not need this huge mark on my credit report. After a divorce in 2000, I have spent a long time getting my credit back to where I want it and now this! I will never do business with this bank again, and I will tell everyone I know about how they treat customers.

5 3 Bank has charged me $100 in overdraft fees. I deposited a work check on Saturday Oct. 16th and in the process had bills set up for automatic payment on Monday Oct. 18th. I did not think anything of this, and that I would be charged overdraft fees, because I deposited money into my account. I got notified that I had $100 of overdraft fees, because the check I deposited on Saturday did not clear until Monday night. Normally, automatic payments at 5 3 do not post to your account on the day they start to process it takes about 3-5 days to show, up. However, because they didn't clear my check yet, they made sure that my payments cleared on day 1, so they could charge me $100 in overdraft fees. What makes the matter worse is that I have my account set up to send me text messages if my account goes under $100 so this will never happen. I never received a text message.

Now I am being charged $100. This is ridiculous and I can't believe a bank functions this way and has customers who still bank with them. I have reported them to the better business bureau and I am filling out the paperwork to send into the Illinois banking department that takes care of issues like this with banks. This is an unfair practice of trying to get any money you can out of your customers. I am going to the bank to complain and get my $100 reposted to my account. If they do not I will be closing my account right away and walking out not having a checking account or savings account. I do not make enough money to have to pay fees like this when the money has been deposited into my account and 5 3 bank is sitting around waiting to slap fees on their customers. This is not customer service.

Their customer service people are rude and they think they are the most important people on the face of the earth. I tried to talk to a supervisor's supervisor or manager and was told they are the highest I could go. They then proceeded to hang up on me, because I would not take that as an answer. I tried to search to see where to complain to and found nothing. I emailed the COE of 5 3 bank and got nothing back in response. I believe a class action lawsuit should be filed against 53 bank and their unfair banking practices. Along with that someone in the US government should create laws that protect citizens from this unfair banking practice. There is no reason if someone deposits money after hours on Friday, that they can't use their money until Tuesday. That is way too long to have money that you actually have held up and then get charged an arm and a leg because the bank does not process its deposits before it process its debits. Again, it would be nice if we could get people together to file a class action lawsuit against 5 3 bank.

There is no way to pay your credit card online. Every other bank or company has this availability online. This bank must be living in 1999.

I incurred an overdrawn amount totaling out to $38.50. on October 13,2010. I was charged an overdraft fee in the amount of $297.00. Mind you, these are not fees that were accumulated but a one time overdraft fee. Also, I was charged additional fees because Fifth Third chooses to wait and run larger payments first no matter if the payment was made 2 days ahead of the smaller payment and now I'm in the negative in the amount of over $500 for a negative balance of $38.50. This is utterly ridiculous, fraudulent, and unethical.

I have a loan thru Fifth Third for my Chevy truck. I have been one time with my payments (maybe late 1 or 2 times in 6 years). Two years ago, I was laid-off due to my company relocating to different area. I called Fifth Third and asked if they would lower payment because I was on unemployment. Their reply was, "If you had a job, we might lower payments." If I had a job I would not need lower payments.

This does not make sense to me. I continued to make the payments even though on unemployment. When I finally got a job, it was part-time and for minimum wage. With my unemployment it was hard, but I made the payments. I called fifth third and again asked to reduce the payments. They reduced the payments by $90.00, which helped a little. In August I lost my unemployment and I have since got another part-time job. I have applied for full time jobs with no results. I am now working 7 days a week trying to make ends meet. This week I get a call on Monday from Fifth Third bank about my truck payment. I am not late but I am on 10 days grace period.

I told him I would make payment ASAP. He was a little pushy, but not too bad. On Wednesday a woman calls me; she gets very rude and threatening and making fun of my job situation and threatening to take my truck. Again, I am not late and I plan to make payments before grace period is over. This kind of harassment should not happen, especially now with this country in the state it's in financially. Fifth Third needs to treat it's customers better as I can see by the previous complaints on this web site. I am doing all that I can to make my payments. These harassing calls need to stop. I had taken a loan on a credit card, which I did not want to do, just to get them off my back. Got another call on Thursday. I told them I had made payment.

I was POA for my father while he was dying. I went to Fifth Third to put all of my father's accounts in my mother's name.

After my father died, Fifth Third denied ever knowing about my visit to put the accounts in my mother's name. As a matter of fact, they called my mother and told her she would not be able to access my father's $30,000 CD and that she would lose it because it wasn't in her name! They were hell bent on snatching that money.

It took an act of congress to get the situation corrected. I had to go through top management, who claimed not to have anything on file for the transaction, despite the fact that I left them with my POA papers and all forms signed to make it happen. They are crooked. Do not trust this organization. When Fifth Third called my mother to tell her she wouldn't get access to my dead father's money, she nearly had a heart attack/stroke. She needed that money and had a right to it.

I had an auto loan with Fifth Third bank. I set up an automatic payment ending with the 59th payment, the last payment in the payment book. On the last pay stub it states, "A notice will be sent regarding final payment or new book will be delivered". They did not send me anything or notify me in any way what the final payment was.

Then I get these automated phone calls saying I am late and they will report me to the credit agencies if I don't make my payment. So after making my first 59 payments on time, they ** up and don't do what they are supposed to do and then threaten to hurt my credit and want to charge me a late fee?

I call them up and and go in circles ending up several times talking to somebody in another country that can only do one thing, collect payment by giving them the routing number to my bank account and of course there is another $17 fee to do that. I eventually got the late fee removed and sent payment from my online checking account. I just find it insulting that after being a good customer and making the first 59 payments on time, that they then treat me like this, when they are the ones that did not follow through on what they were supposed to do.

This was a frustrating and stressful situation that wasted my time. I was also interupted at work. I am tired of this guilty until proven innocent culture regarding your personal credit history. The big banks and corporations can do whatever they want and then blackmail you into paying things you shouldn't have to pay because otherwise, they will ding your credit. Did Fifth Third unknowingly make a mistake by not sending me notice of final payment or did they do it on purpose to try to get a few more bucks out of me? Frankly, it wouldn't surprise me if it was the latter.

This is an unethical fraud to an investment without my permission or knowledge. $593,000 has disappeared from my bank statement and over $15,000 in overdrafts fees since I have millions of dollars. She has deceived her stockholders by investing my money and over $50,000 was lost. To deceive bank standing, she called me that I'm disabled by the USA for life and she has actually stolen monies that were not hers to touch or change accounts. She hid my portfolio from me for 4 years.

Due to my husband getting hit by a drunk driver and loosing his income, among other things, I have to crack down on money. We are broke! I deposited a check, yet incurred over a hundred dollars in overdraft charges. I had already had my "early access" account frozen because I used it more times than was allowed!? What the **? The thing is, I have been with Fifth Third for 4 years or so, they change policies like most people change their ** and then don't contact you.

First was the 2 o'clock cut off, then was the personal check deposit, then the overdraft charges and then the early access limits, but never was I contacted about the changes! I found it out by overdrafting my account! I can't afford this. I can't pay my utility bills because of the overdraft fees and I am short anyways with my husband being in the hospital having surgery due to the accident. When I call, I get some kind of excuse and, "Sorry, it's not our fault." I do believe they are rearranging the order of the transactions in order to get the overdraft fees. Especially if they see people who are struggling and may not raise as much fuss over the fees.

I received a credit card application that offered a 0% APR on balance transfers, and mailed it to 5th/3rd in the enclosed postage paid envelope, on August 20, 2010. Having not heard anything from 5th/3rd, I became increasingly concerned, considering it has my social security number as well as other personal information, and today is September 14, 2010.

I called today only to be treated as though I had done something wrong. The customer service person told me if the offer period expired, the application would be shredded and I would not receive any notification. I then told her I was extremely worried about my personal information being in the wrong hands and she told me, "You should have applied online if you are concerned".

I then explained that the website was down on the night before it was mailed (as it still is **) and I was of the impression that a postage paid pre-printed envelope would make it to its destination. She responded with "You should have called, we are open until 8PM Eastern Time". There was absolutely no concern as to the security of my personal information, contrary to what the website states. Furthermore, when I asked her advice as to what I should do next, I was told I could call back everyday until it comes in.

In twenty-five days I would think an envelope could make it to Australia and back. I am thoroughly displeased with 5th/3rd, will never do business with them, and will always recommend another financial institution over 5th/3rd. It is unknown if I am, or will be a victim of identity theft.

They did not notify me when my tax rate changed. Instead they paid it and after a year they sent me a bill for $4400 that was the year's taxes. I could either pay the full amount or my house payment would be raised almost $700 month! I had already applied for a Loan Modification with 5th 3rd, but that is a joke. I couldn't pay the house payment I already have, let alone an extra $700. Fifth Third is the worst bank to work with. There fees for checking accounts are horrible and terribly unfair. They always put through charges before they credit my electronic deposits. Too bad I will have to close the checking and change all of the electronic deposits to another bank.

This bank continues to charge overdraft fees when customer has money in account. We have direct deposits that hit the account at midnight. But the bank will run debits first, hit you with overdraft fees then credit deposits. I know they are being sued for this practice. How can we become part of that suit?

My son has a car financed through 5/3 Bank. I co-signed with him. Due to the economy, we have lost jobs and had a decline in our incomes. Anyway, my son got behind in his car payments. This is after making 50 payments. The car was repo'ed. I helped him to get it back by making a payment and paying the repo fees. This was done on August 11,2010. Was called today and told the car was two months behind because a payment was due Aug.10, 2010 and one was also due today totaling $1400.00. Huh?

Jason is the one I talked to today. He was very rude. I told him I knew a payment was coming up that I was suppose to be sent a payment book and would gladly make a payment when I get one. He said he was not sending me a payment book and I needed to give him a payment of $1400 today or they would repo the car again. When I let him know that it was not two months behind because a payment was made last month, he got argumentative and said I had agreed to make a payment on August 10, 2010. This does not make sense. A payment was made August 11, 2010 and he told me I agreed to make another one on August 10, 2010.

I am so tired of dealing with these rude people. If I had of known how they practice, I never would have any dealings with them, and never will again. All of this harassment after making 50 payments. That's over $30,000 on a $25,000 car and still have 19 payments left. I agree with what another person said, a class action lawsuit ought to be brought against this bank. They act like usurpers. If we didn't want the car, we wouldn't have made as many payments or still be trying to pay for it.

Upon depositing a check for a large amount, we weren't notified until 10 days later, that there would be a hold on the check. When I called and spoke to Laquisha, she informed me that the hold was due to overdrafts. When questioning as to whether our account was overdrawn at the time, she told me that it wasn't. However, they still placed a hold on the check up to this day. If you want to open any type of account with a bank, I strongly recommend not choosing Fifth Third. This check was deposited into our account in order to pay bills and it was a cashier's check. I just wonder how many people they have messed up and how much money they have pocketed along the way from hard working people who trust that their money will be accounted for only to find out that we have gotten screwed.

I am a merchant. I wrote a refund check to a customer on a Friday. She deposited the check in her account at Fifth Third that afternoon. The check cleared my bank (a different bank) on Monday evening with no problems. Fifth Third told my customer that my check was returned to her, placed a hold on her deposit without informing her and charged her almost $1000 in fees from ATM and small checks that she had written, plus returned her checks. The customer, a long time customer of my store, blames me. My bank never returned the check to Fifth Third, but my customer has a negative opinion of me. Fifth Third just placed a hold on her deposit so that they could collect fees. This is unfair to her and me. I think Fifth Third Bank's actions are unethical and probably illegal. To make matters worse, they just tried to recruit me to move my accounts and my credit card processing to their bank. No way!

On Aug. 27, I checked my account online. I had two charges pending from a gas station in Winder Ga. with my debit card. I had my debit card with me. I called the 800 number and canceled my card and told them that I was at home in Louisville Ky and had not traveled to Ga. and that I wanted to dispute the charges. I was told since they were pending, I could not dispute them. The next day, the charges went through. I called again and told them they were not my charges and I wanted to dispute them. My account was overdrawn by $3.00 and I had two checks still out. They told me to go to my branch and use early access to get some money. So I went to my branch, told them what was going on and borrowed $200. I put $100 in my account to cover the two checks.

At no time did they tell me that there were 5 more charges for the same amount which was $74.95 on my account. So I am thinking I have the money to cover my checks in there and everything is okay. I even got online using my husband's card on Mon., Aug. 30th, to check my account. Everything was okay, my $100 was there and nothing else was pending. On Wednesday, Sept. 1st, my husband tried to use his card to check the account again. He was locked out of the account. They canceled his debit card also even though the disputed charges were all made with my card. Not only did they cancel his card to our joint account, they also canceled his debit card to an account that was just his.

So he gets on the phone to check the account and we are over drawn $506. He called me and asked me to call the 800 number that I called before and find out what was going on. I called and was told that on Aug. 30th, 5 more charges for $74.95 from the same gas station in Ga. went through. I asked them why they paid them when I was already disputing two charges for the same amount in the same place and city.

On Fri., Aug 28th. They claim they had no record of my disputing the charges and that all I did was cancel my card. The $100 that I put in the account for the two checks I had out was gone, and they returned my checks and charged me an overdraft fee for both of them and for all of the $74.95 charges. They knew that we had automatic deposits coming in on Friday. So they paid all of the fraudulent charges and returned the ones that they knew were legit. I was told that they will investigate and it could take up to ten days and if they decide I didn't make the charges myself then they will return my money.

So now, I can't even pay my house payment because they have my money tied up. And to top it all, I went to my branch and asked the manager if they could type a letter for me to take to Walmart and CVS pharmacy to explain why the checks were returned and was told no. I asked if they were going to give me the money back for the fees they would charge for returned checks and was told no and she then stuck her finger in my face and told me if I continued to yell at her she would not help me. I had my voiced raised but I was not yelling yet. I told her that everyone I had dealt with at Fifth Third had an attitude and she said it was because of the way I talked to them. I then started yelling and ** and left. My phone fell out of my purse while I was in there and I went back with my son and gave him my ID and sent him in to get my phone and they would not give it to him. They said I had to come in and get it. I did not want to go back in because I was still pretty irate and mad. I had to call security at theire\ main office to call them and tell them I would go through the drive through and to give me my phone back.

So the next day someone from Fifth Third's main office calls my husband and tells him we have to get our direct deposits changed because they are going to close our accounts because we are undesirable customers. He asked if we will ever get our money back and was told he didn't know it was being investigated by their dispute department and if it is decided we didn't make the charges, we would. The thing is, I used my debit card three times in Louisville Ky the same day it was used in Ga. It shouldn't take a rocket scientist to figure out I could not be in Louisville and Winder, Ga. on the same day. We have banked with Fifth third for 13 yrs and they were crazy to think they needed to kick us out as customers. We had no intention of staying with them after the stress and ** they are putting us through. I have had several people tell me that their bank calls them when there are suspicious charges on their account. Fifth Third didn't seem to have any problem paying 7 charges for $74.95 from the same gas station in Ga. when they could see that my card was used in Louisville, Ky on the same day.

I'm disabled and can't work. I get a disability check every month, which I had direct deposited to my 5/3 bank account. I pay all my bills online. Some, I had set up for auto pay. Sometime back, my computer broke down, and I couldn't get it fixed, because i was trying to save up some money for an upcoming surgery that I needed. A good friend of mine offered to help me out, and sent me a check for $500.00. I put the money in the bank (5/3).

By this time my computer had been down for several weeks. I was finally able to get someone to fix it for me. The first thing that I did, was to check on my account balances. That was when I noticed there were several withdrawals made, all within about a week, totaling $1,110 . So, I went to the bank and spoke to some new guy that was just transferred to the Portage Indiana branch, from I believe he said PN. He looked up my statements for the past three months. What he told me next, hit me like a ton of bricks. He said, "well, the way it looks on these statements, you withdrew $1,110 then deposited $500.00, to try to cover some of the withdrawals". I told him "the reason I'm here, is because I know nothing about these withdrawals". He said he would file a report.

From there I went to the Gary, IN police department, and filed a police report. A couple of weeks later, I get this letter from 5/3 Bank telling me that based on their investigation, the withdrawals for the $1,110 were authorized transactions. That was all I got from them. As far as the police department, they said that the gas station where the transactions took place, had no surveillance, so there wasn't much they could do.

I could go on and on about this bank in overdraft fees. I could say, what a joke, but it's not. Enough is enough. I've had it with this bank. Time to switch to a real bank. On July the 6th, I went to 5/3 and asked the teller, I'm here to close my accounts. Do I have to speak to someone in the office, or can you handle that? She said I can take care of that for you. I asked her to check and see if I had anything pending. She looked and said, "no i don't see anything, you're good". So she gave me what money I had in my accounts (about$700.00 or so). I signed for it. She said, "okay, your accounts are now closed. About two weeks later I get this phone call from, you guessed it, 5/3 Bank. Please contact 5/3 Bank regarding the recent activities in your 5/3 account. They just don't get it. The loss of money from my account with 5/3, just caused a domino effect in several different directions.

The car loan was paid in full in June 2010. I received a letter stating there was a payment of $3.08 due which was paid in July. No further contact was made until September 3, 2010 when I was contacted stating that the fee due is now $292.45 for accumulated late fees. When I stated that I needed time to get it even though I disagree with the added fees in the amount of the original car payment, the agent stated that he needed to know how I was going to get the money. He told me to call back and ask him for an extension and an explanation as to how I was going to get the money. This is invasive and intrusive.

I strongly resent having a pop-up ad from Fifth Third Bank appearing on my browser window and having no way to remove it. This is a very poor marketing and PR move. It alienates potential customers.

My daughter overdrafted by about $16. With overdraft fees, she owed $82.90, and she paid that because it was her fault. She deposited on a Monday and left the bank with an $.80 positive balance. The teller told her she was all set and no more fees would accrue. On Tuesday morning, she got a text message stating she was $113.20 in the hole. When she called the bank, they told her it was overdraft fees from the weekend that didn't hit her account until Monday night. In addition, her 80 cent balance was after her negative balance, her deposit, and a $5.30 ATM transaction. But when they actually posted stuff, they took the overdraft fees out first, then ran the $5.30 ATM charge, creating another overdraft charge. Add in the $8 per day negative balance fee, and she is now at almost $200 in the hole. She will lose almost $300 if we choose to pay it, or have her credit ruined if we don't.

I have been dealing with Fifth Third for three years. I got an auto loan from them; my payments have been slow on several occasions due to divorce and being out of work. About 4 months ago, my car was repossessed by them and I had only missed one payment and the next wasn't even due yet. I had surgery last year and was off 6 weeks with no pay. I had to call all of my creditors to explain the situation. All of them worked with me except Fifth Third.

After calling me repeatedly, I talked with one man who began to insult me. I had been in the hospital and had a cancerous tumor removed and he had the nerve to ask me how I planned on making payments while I was out. Why did I buy a car if I knew I couldn't pay for it? Why don't I sell it since I obviously don't intend on paying for it? I knew I had the note, so why am I telling him that I can't pay it all right now.

Recently I set up automatic payments and apparently the check bounced. They contacted me and I tried to set up payment arrangements. The very sweet young lady said I could pay it out over three payments. I had to call back with my checking account info. The "gentleman" (term I use sarcastically) who answered the phone said I was misinformed and could not set up payment arrangements. The almost $700 was due on the 14th of August. I informed him there was no way I could pay it all then. He informed me they would just come get my car. After all, I had already lost it once, it must not be that important to me.

Fifth Third called back again a few days later. A reasonable young man set up a payment agreement with me spreading July's payment over 4 months. I went last Friday when I got paid and withdrew the almost $700 to send them by Western Union. I was informed that any previous agreement we had with Fifth Third was null and void. I had checks bounce and they could not accept any more checks from me. I had to use Western Union. On Monday, imagine my surprise when I checked my account and it was overdrawn $300.

My regular payment of $385 had been taken out, after being told they would not accept a check from me. When I called to inquire about it, I was told I should have called and put a stop payment on the check! I was told they would not accept my checks. Why would I do that? I am looking into getting a loan with my local bank so I don't have to deal with these crazies any more. Please, do not deal with Fifth Third bank. They will knowingly rip you off and throw it back in your face. I am again in the hole with my bank. I had a small amount to live on for the next week and a half. They would not return the money they stole from me plus the over draft fee from my bank. They said my car was now current. My regular payment of $539.48 is due Sept.14. Mind you, my regular payment is $385.74. I asked about the extra and was told. "That's what you owe!" If I am current, my payment should be the same as always. Maybe it's just me but I am confused!

I purchased a $50 gift card on July 26th and to my surprise, there was no money on the card. I've been going back and forth since with the bank and it's already Aug 25th.

We recently paid our car note off.It was paid off a year in advance.The bank continued to take auto-payments out of our checking account after it (car loan) had been closed.We talked to someone (Joan) and she indicated we would have to fax proof from out account BofA that it still was being auto-drafted.Since the acct had been closed they could not find it.Needless to say after calling them the first time it happened and it was not rectified.Then it happened a second time. I wonder who's in charge here. A bunch of monkeys running a big zoo.

Unethical, fraud, hidden accounts, investments in their bank only, without our permission with lots of losses in stock and she is only the trust protector. But she is using our money to make the bank make money and we loose and that's all without our knowledge. Loss of $593,000 that just disappeared. And my daughter is disabled and very stressed and having panic attacks.

After repeated attempts and emails for a refinancing deal which Fifth Third suggested I do when I was in the bank 4 weeks ago, I am giving them a huge thumbs down! I've emailed 3 times and stopped by the branch over a 4-week period to just get an update on where things are and what the next steps are. Even after a promise to get back with me by a Personal Banker on Tuesday, July 20, I've never had the courtesy to hear back. It was a horrible treatment of a loyal customer who was attempting to move all their banking accounts, mortgage, car, credit card, etcetera to one bank. When I finally emailed saying I was done with them and going to close all my accounts, I got a terse email saying they were sorry for not meeting my expectations' which weren't too demanding. I just wanted a reply for my 3 emails and personal visit followed by they would be glad to close my accounts today'.

You get assistance and a reply email within 10 minutes when you want to take away business/revenue and no response when you attempt to give more business/revenue. That's a very interesting business model. I wonder how that will work out for Fifth Third Bank in the long run. As an update, On Friday, July 30, I finally got a call from the branch manager who asked me to please not close all my accounts because he was going to personally get involved and handle this for me. Now that was a week ago, and I still don't know anything. The last thing he said was I promise to get back to you on Friday, July 30'. Well, here it is Friday night and no call!

Another lie, just a higher up in the food chain. Another update, on Saturday, August 1, I've sent 3 internal communications' through Fifth Third service center and one phone call describing the problems I've had with this situation. Their response is to please go into the bank and talk to them. Are you freaking kidding me? Do you think I want to talk to the same people again who handled me this so poorly? Are they really that clueless at Fifth Third? "Oh yes, please go visit the people that have failed over the past 5 weeks and chat with them". Smell the coffee, get a clue? And stop asking me to go do more' when I'm the damn customer! Remember the days when it was You're the customer, we're the vendor. It's all about you'. That lesson has been totally lost on Fifth Third Bank. Again, an update, On Monday, August 2, there was still no call from the manager as promised. This is an amazing experience at Fifth Third Bank. Please help me spread the word to avoid this merchant! Thanks everyone for your support.

Update again, On Tuesday, August 10, although I've not gotten a call from the original bank manager, I have gotten a great associate at a nearby branch to take on my case. He's been working for a couple of weeks now to remedy this horrible situation and has actually remembered to email and call when he should. The bad news now is because of their screw up, the loan papers have been in so long in order to continue without promise that they will do a home appraisal. I have to have another credit bureau run against me. Now, we all know what hitting your bureaus does. It lowers your credit score. So, they are screwed up besides costing me time, energy and stress, they have the nerve to ask that I allow them to hit my credit score again. Someone in management at Fifth Third Bank has obviously fallen and smacked their little head on the pavement to keep making these types of decisions.

Bottom line is, I'm turning this over to my attorney and he can deal with Fifth Third Bank. I also am checking into Illinois State Banking laws to see if their failure to process a loan in an appropriate amount of time would constitute me having to have another credit report pulled. I don't think they can do that when they fail. Now, if I'd dragged my feet that would be another story. Ah, thank God for attorneys and courts. Final update, on August 13, I finally got to talk to someone at the corporate who deals with the OCC and Shirley **** is looking into what happened and is pursuing this further. Meanwhile, I've filed complaints with the Illinois Attorney General, the Ohio Attorney General, the OCC (Office of the Comptroller of Currency) and the FDIC. I'm thinking some should come of this eventually and maybe it will teach Fifth Third Bank a lesson!

I have had accounts with Fifth Third bank for over 15 years with out problems. I have never bounced a check in my life. This year, I suffered a series of 3 personal injuries that devastated my finances. I had a $2,500 debt on an American Express business account. At one time I had made a payment on the American Express account using my Fifth Third personal checking account, because the item was personal. American Express sent an illegal unauthorized bank draft to Fifth Third against my personal checking account for $2,500 when I in fact only had $600 in the account. Fifth Third then immediately overdrafted my my account by the $1,900 and began charging me $33 per day. 2 days later, when I found out about the illegal bank draft I immediately called Fifth Third to dispute the item.

I then had to go to the nearest branch to talk to a manager. They had me return the following day to fill out a dispute form. I filled out the form. 3 days later I got a denial of my dispute. Fifth Third said I would have had to revoke the transaction before it posted to my account. How in the hell can someone revoke an authorized bank draft before it posts? It is not possible. So day after day Fifth Third goes right on charging me fees, calling and harassing me every day with people from the Philippines! Meanwhile I appeal the dispute in writing, sending a dozen copies to SVP Coleman and to the main bank.

I also go in to talk with the bank manager again. He now says since I opened my account at another branch (15 years ago, when I lived in another town) that that branch manager was going to handle it. Fifth Third is now asserting that I owe them the money, plus the overdraft fees and will not remove the overdraft fees. I have no income to pay for this pending disability claims. I did not authorize the bank draft. But Fifth Third wants to rape me financially. What evil p**s!

I have been getting charged over draft fees when I have money in the bank, and also deposit more money the day of the over draft. Fifth third has taken over 500.00 in bounced fees, because they say they get their money first. My bills are way behind, my dp is due, car payment, and my daughter has to take shots that are costly.

Fifth Third is not only charging overdraft fees, they now are charging a fee after three days of your account being in the negative regardless of whether you have pending transactions or not. I was charged $24 and $32 for having a negative balance without any pending transactions. I called Customer Service to find out why and explained my husband is recently unemployed and I get paid bi-weekly so we couldn't cover it until I get paid. They said that their policy is to charge your account after three days on a daily basis. So I borrowed the money to cover the $24 and $32 so I wouldn't keep getting charged. This seems like robbery and doesn't even seem legal.

I have been an account holder with your bank for over 25 years but have come to the conclusion that my business may need to be moved elsewhere. I am so frustrated at this point with Fifth Third Bank and how you have handled a particular situation with my checking account.

In the year 2001 I applied for overdraft protection at the local bank that I do business with and was informed it would take effect immediately. My understanding was that I was covered until in 2009 I received a state in the mail that my account was overdrawn and I owed over $800 in overdraft fees. I instantly visited the local bank that I did business with and explained to the manager that I should have had coverage on my account and that I should owe the fees Fifth Third was asking. She reviewed my account and noticed that my application was never submitted for some reason. She apologized for the mix up and agreed to credit my account $384. She then updated my information in the system, resubmitted my application, and assured me the coverage was now in place.

A week or two later I received a credit card in the mail with a credit limit of $1,000 that was connected to my overdraft protection. I paid the balance of the overdraft fees reluctantly because I felt more could have been done. For one, the fee would have been $10 instead of $37 for each check, and there were a number of checks that cleared that day for small amounts and one larger check. They could have allowed the small amount checks to go through and only have the one check to bounce, but they cleared the large check first and then bounced all the other checks.

In 2010 I had more checks to bounce and the statement I received showed once again that I did not have overdraft protection because the charges were the same as before. I went to my local bank and explained once again that I should have had overdraft protection and the fees should not be as much as what the statement was indicating. The bank manager review my account once again and informed me she could not do anything this time because she had already credited my account in the past for the same purpose. She apologized for the mix up and stated she did not understand why it was not approved for coverage. She called the main branch and spoke with someone who assured her it would be taken care of. I paid the requested overdraft fee of $185 reluctantly once again.

It is now August of 2010 and I was reviewing my statement and checking my checks that had not yet cleared when I noticed a check from April of this year that had not yet cleared so I called customer service to make sure it had not been cashed and that Fifth Third Bank had not transposed the check number as they had done in the past. While I had the representative on the phone, I asked her to check and make sure the credit card was active and the overdraft protection was in place.

Guess what! My account was not covered with overdraft protection and needless to say I was furious. I lashed out at the representative I was speaking to and was ready to go close my account right then. I check my accounts regularly and every time I call, the system tells me what my checking account balance is and that "The balance on your credit card is zero dollars and zero cents" which in my mind meant the credit card was active and ready to do its job.

The bottom line and purpose of this letter is to inform you of what an awful job Fifth Third has done in rectifying the situation and to share my horrible experience. I would also like to request that you review my account history and see where you can properly compensate me for your errors. I have given the bank so much money in overdraft fees that should not have been paid or asked of me.

I had a Fifth Third bank account for about two years and paid over $4,000 in overdraft fees. My job did not offer direct deposit and was living paycheck to paycheck. When bills needed to be paid, they would go against my check on the day or days after it had been deposited. Because of a hold or for whatever reason, I would get changed fee after fee which caused the next pay and bills to be off. There were months that I could not catch up because of numerous fees that were being paid out to this bank. Compounded fees I feel are unfair, especially when my check was in my account. The ends were never meeting and the fees pushed me back even further, causing a chain reaction of fees every month one way or another.

I transferred money into my son's account before I allowed him to run a few errands for me. I transferred $100 into his account because I needed items from Wal-Mart. After transferring the funds, it showed an available balance for almost $120. In turn, he went on to make 3 purchases for less than $120. Fifth Third overdrew the account as if I never transferred the funds or basically if he had made those transactions against negative funds which is fraudulent. Many attempts were made to allow them to reverse the charges since it was their error because I clearly transferred the monies and have available funds to cover my transaction. They simply talked in a very condescending manner advising me not to make purchases when funds are not available.

Again, I explained the entire situation again, advising funds were available and this was a mistake on their end. So I asked the manager who can I complain to higher up and he replied,"None. " I felt totally disrespected that they were allowed to basically defraud me and that nothing could be done. After remembering another key factor, I phrased to them the when I transferred the money that it appears the transaction took place in a different timezone than mine, yet it shows me the funds are available. A branch manager I spoke to today confirmed that all of their transactions are in EST but that doesn't matter. How does he figure that? Immediately after I transferred money into my son's account, I had him to go make purchase. Did I mention I am in CST? If that is so, then my transfer is being recorded an hour or so after my system is showing me the money is available, so yes, it is their fault.

If their system is not programmed to adjust time zones, then this could definitely pose a problems such as funds not being available like you thought they were. I believe Fifth Third is knowledgeable of this and are purposely misleading their customers.

I attempted to cash a client of mine's business check written in the amount of $200.00 and drawn on an eight year old account of Fifth Third Bank. The check # 1420, was properly made out to me and in my name. When I handed the check and my ID to the teller, she asked if I had an account with them. I stated that I was not a client of their bank. The teller explained that a $10 fee would be accessed/charged. I agreed and handed her my Illinois State ID card. She told me that they could not accept my ID because it had expired on my birthday July 6th, 2010. She told me that I would not be able to cash my check there because any new ID I would obtain would not meet their policy minimum standard of being at least 90 days old.

I explained my predicament to the Art Center Director I was working for. I took the check back to The Director and she went to the bank and made out a Bank Money Order for me in the same amount. I went to The Secretary of State Office and renewed my State ID card. I took the Money Order back to the bank. The same Teller was on duty. She made the comment as I approached the window, "oh you're back". I said, "yes madam, but I have valid current ID and a Money Order instead of a check". She said, " I still can't cash that". She stated that my ID was not old enough and I did not have an account with their bank. I asked to speak with a supervisor.

She was very arrogant, but with a nonchalant "this is not going to do you any good", type attitude, asked me to have seat, and went to get a supervisor. I sat and was approached after about 7-10 min by young gentleman. I showed the young man my ID and explained my situation. Although I was agitated and aggravated, I did not use profanity or disrespect anyone at anytime. The Bank's Security Officer was present and did not have to ask me to leave or lower my voice. I was a complete gentleman at all times when speaking with both the female teller and Vice President Erik R. C. The gentleman quoted me Bank Policy. Bank Policy that was not posted. The VP Asked me why I didn't have a bank account with them or somewhere else. I Showed him multiple forms of ID including: Gov VA Picture ID, Valid State of Illinois ID, Social Security Card, Illinois LINK with dated and addressed letter from Dept of Human Services, Unemployment Visa Debit Card with letter from Main Office.

Mr. ** was quoted as saying "They've made it bad for everyone. " I asked him who "they" were and he stated "those people that would commit bank fraud by obtaining phony ID's. " I felt as if he were insinuating that I had somehow illegally obtained an ID. I am outraged. I was insulted, humiliated and completely disrespected. I should have traveled the eight - ten miles out of my way to the same branch I had cashed a check before. I incorrectly thought this branch would be more convenient since it was closer. I would hate to believe that there is a difference in policy and service at different branches of a major bank chain based on ethic, or racial clientele, however, due to the ease by which I was able to cash a similar check at a branch in a more ethnically diverse neighborhood, I would have to conclude that there is a difference.

I am a divorced parent of three boys, whom I spend time with on the weekends. My plans to spend time with my boys was ruined, because I needed the money to pay for the Baseball tickets I had planned to take them to Saturday that weekend. I spent the majority of two days traveling on public transportation in 90 plus degree heat, standing in long lines at The Sec of State DMV to cash a check at the bank it was drawn on. I had to postpone other business appointments and reschedule personal dates.

I am writing, after extreme disappoint and repeated attempts to get our account with Fifth Third Banks corrected. We have been customers of Fifth Third Bank since 1999. My husband was a customer prior to that while living in Cincinnati. We have always enjoyed the convenience of having the banking centers and we have established a very nice rapport with our banking service employees. They are wonderful but they can only do so much to assist us.

The main issue started when we transferred a higher interest credit card to our 5/3 Platinum Account ending in ** in April 2010. The rate quoted was 5.99% for a designated amount of time with the convenience checks. There is no mention on any of the printed materials that the fees associated with that balance transfer would be payable on the first statement. Our statement came after the transfer and we were hit with a $914.00 minimum payment and 10.99% interest instead of what was advertised. We had to pull this money out our saving account, which is also housed at Fifth Third to pay this outrageous amount. We actually have five accounts with Bank.

If they could take a few minutes to look at the statements associated beginning with the April billing, they can see where we had actually been charged the cash advance rate/fees along with Convenience check fees. There are so many transactions on the April statement that you can barely make sense of it. We called customer service four times in May on this issue and then again in June, and we got our statement. The rate charged is shown at 10.99%, so we called again twice to once again get it corrected.

We were told that it would be credited and everything would be fixed. No such luck, the interest was then changed to 7.99%, not the 5.99%. Then again today, July 16, we receive the statement; nothing has actually been credited and we are still showing at 10.99% on our statement but the customer service representative for card services states that is not what we're being charged. So, why would interest be calculated on that amount and why isn't the 5.99% being shown?

Enough is enough. We have been customers for a very long time and it deeply saddens me that customer service representatives handle these matters as they have. We may only be one customer to your organization but we have decided, after repeated attempts with our Platinum account, to move our accounts to another financial institution - our installment loan account ending in **, account ending in **, and the account ending **, along with our checking and savings.

I was charged unfair overdraft fees from an error that bank customer service manager made. I'm being punished from the error she made from a S850.00 withdrawal I made. When my checking account had $1300.00 in there, when I withdrew the $850.00, instead of them withdrawing the $850.00 they put it into my account; then a few days later they took it out; then I was charged $33.00 for an overdraft fee, then other outrageous fees of $200 and $8.00 a day. If there's any questions I can be reached on my cell.

I did not believe what was happening to me until I read similar complaints on this site. I would call the bank before each transaction (I make maybe one a day) and the automated service would give me a positive balance. I come to find out I will have $270 in overdrafts for the $1.00 Redbox movie rentals I made, $37 each. I told the manager that I called and she said pending transactions are posted at the end of the day. So why did the system tell me I still had a positive balance two days after I supposedly had insufficient funds? The most expensive thing on the charge was $8.95. The $270 will be overdraft charges, not principal costs. That was paid when they took my paycheck, which was directly deposited. Now, I am being charged overdraft on the remaining overdraft charges.

On a prior issue, it is true that they will pay the highest amount debit, and hit you with $37 overdraft for all the little things that were submitted earlier in the day. Funny how they can post your debits right away, fails to report your available funds correctly, and bill you for their 'mistake'. I have to switch banks now as I get direct deposits from two different company checks. This might delay my payment by 20 - 30 days. I think I will just get a safe and pay cash from now on.

Bank is still holding funds today (7/8) for a transaction that I made at TGI Friday's on July 3. Although they have also credited the same transaction against my account on 7/6. In other words it is a double charge and the funds are still not available, and won't be available until next Tuesday. For something that is not my fault, and I didn't even know.

If I had not checked online, I would have assumed I had more $$, perhaps spent into it, become "overdrawn" and charged $33 + $8/day until OD is corrected. Amount they're holding from TGIs would probably just about cover it. So I'd end up with nothing, because of something someone else did.

When I called, customer service said TGI made a mistake and I had to wait 3-5 days for my funds to be released or I could call the TGIs, have someone go back into their records, find the transactions mistake and give them a special authorization number so they could call 5/3 and they could release the funds today. Yeah, right, like that's going to happen in today's understaffed restaurant industry. So basically they know it's a mistake, they know it's a double-charge, and yet, had I spent even one penny of it, they would have hit me with an OD fee.

It's how they milk OD fees from people. It is no wonder that so many people have no relationship with banks and cash their checks at Giant Eagle and buy money orders. It may be a bit more trouble but it could actually save some people hundreds of dollars per year in these outlandish fees.

I closed out my checking account on 5/19/2010. One check came through the bank which made my account remained opened. Now, I owe the bank $ 2,600. They said they could not close my account for 60 days. I have never run into this before. Now, I found out there is a class action law suit over the unfair overdraft fees. I owe all this money and no way to repay it only a little at a time

Hello, I got a vehicle for a son four years ago and the vehicle was financed through Fifth Third Bank. Tim, my son, paid the payments on the vehicle and would sometimes get behind on payments. Tim would eventually make the payment and Tim offered to double-up on payments. The person representing the bank was always very rude and whenever Tim tried to pay early the bank people hassled my son. The vehicle was attaind in my name, however, the son made payments the best way he could.

Fifth Third Bank may have assumed that they, the bank, employees of the bank were being snubbed as I never spoke to bank representatives via telephone. I avoided speaking to Fifth Third Bank on the phone because I knew the rude people would make me upset. I made the mistake of getting the vehicle financed with people from a bank who conduct business in such a pitiful way. This family pays it's bills and please Lord allow us to get this monkey off our backs! I wouldn't hesitate to get involved in a class-action lawsuit against against the thugs; I've read various other stories about 5/3 bank and we would like to make a clean break away from the bank.

On June 5, 2010 I went online to set-up an external transfer account between 5th/3rd Bank and Another Bank. This was just setting up this kind of account to assist me if I ever needed to transfer funds. I was on the 5th/3rd website at this time. I kept on watching my Another Bank account to see if my paycheck came in so that I could start paying bills. I noticed on Sunday June 6, 2010 that there was a withdraw of 503.00 from my Another Bank account; I thought possibly there was some kind of mix-up, and that 5th/3rd somehow took out 503.00. I then went to the 5th/3rd site to see that 503.00 was also taken out of that account. (Which was very surprising seeing I had about $8.00 in my 5th/3rd account to begin with).

On Monday June 7, 2010 I went to Another Bank and 5th/3rd Bank to dispute these withdraws. Both banks informed me that I had to wait until June 8th to dispute the withdraws due to the fact they were still pending. The banker at 5th/3rd told me to give her my card and she cut it up. The bankers filled out the paperwork, and at Another Bank the gentleman I spoke to was just going to send it in on 6/8/10. At 5th/3rd the banker faxed the paper to a different branch for me to sign to send in on 6/8/10. I then waiting, being informed that it usually takes 10 to 14 business days for a response.

On June 12, 2010; I went to an Another Bank in Bridgeview to ask them if they could look up to see if there was any activity on my account; I was informed there was not. The banker told me that I may want to put in a police report if I have not so far. ( I put in a report on 6/16/10; I did not know previous to being told, if I was suppose to put a report in). I believe it was on June 15, 2010 that I called 5th/3rd and Another Bank to find out if there was any activity from their fraud, or whatever departments; I was informed that they have not heard anything so far.

On June 16, 2010 I went to the Police Station to put in a report.( I did not put a report in earlier because I was not sure if I was suppose to, and once told that it would be a good idea, I thought I had to put it in during regular office hours). June 22, 2010 Another Bank had given me a provisional credit of 453.00 I went to 5th/3rd bank to find out what is going on at their end; Nicole; branch manager, called the dispute department, and had to leave a message for a Leonard,( he was out of the office). I was told that the banker would call me once she spoke with Leonard.

June 23, 2010 I called customer service at 800-972-3030 and spoke with a John; he in turn put me on hold while he called Leonard from disputes. When John came back on the line he informed me that my dispute was denied because I use the ATM card on 6/6/10. I did go to Ultra on 6/6/10 and I did have my ATM card, but I was unawares of the fraudulent activity on the card. I was very unpleasant to that John. He informed that it was denied on 6/9/10 and that they sent me a letter explaining that. I NEVER RECEIVED SUCH A LETTER. John told me I could go back and dispute it again.

June 23, 2010 I was called by the customer service call center. I called back, spoke with a Megan about 2:15pm; she informed she could not help me with any resolution. She put me on hold while she "called dispute department"; she came back on the line to inform me that; "they are gone for the day". Megan told me to call the branch that I opened up the account at. That is the only branch that I have been dealing with, (except for the time I had to sign the dispute letter, which DID get sent back to my original branch to be submitted). Megan also told me my original branch has the same information the dispute dept. has; but in times past when I spoke with my branch via phone or in person, they did not have information. I was transferred to my original branch. The person I spoke to could not help me, when I asked to speak with the branch manager, they were in a meeting. I then asked to speak to a different banker, and was told, she just left for lunch. A message was left for the banker to call me back; but I had to leave my house at 515pm that day.

June 26, 2010 I called customer service at 5th/3rd on what I need to do. I spoke with an Ashley, who informed me what I need to do to put in another dispute, and that the original dispute just stated I am disputing the ATM withdrawal. I drove to the 5th/3rd bank and spoke with the banker Elda, who was the first banker I spoke with at 5th/3rd when this all started. She sent in another dispute letter, with a typed statement from me. She asked me if I have the card still; I told her that she cut it up when I had come into her office on 6/7/10. She put on the dispute letter that I have the card, but then explained to me, that meant that I had the card when this fraudulent act occurred. She gave me a copy of the letter that I supposedly was sent on the 9th of June.

I am at a lost on what to do. I have tried to be patient and rectify this matter to the best of my ability; but I am having a very hard time, especially not knowing what exactly happened, and how someone was able to withdraw monies from two accounts, and make it looked like a pinned transaction. I moved about a year ago, so I have to travel about one hour each way, each time I go to talk with 5th/3rd bank, so that I communicate with the one branch I opened my account at. I am being called by 5th/3rd bank automated system 2 to 3 times a day, when I call back, they tell me they will take me off the call list. My account is NOW negative over 700.00 due to the overdraft fees they add on daily.

I made a mistake and was overdrawn $264. They charged a daily fee of $10 and an overdraft fee of $25. I have o/d protection but they insisted that they had lowered my o/d availability from $500 to $250 (a cash advance, they call it). I don't have anything that says this would be lowered. Anyway, my husband's direct deposit was going to come in the next morning (and they know this; our pay has been directly deposited for years). Later as I looked at my account I see that the o/d fees, etc are charged the same day as the direct deposit and guess which one is first? Not the deposit which would have taken care of everything and brought me back to a positive balance, but the fees and withdrawl on my o/d protection!!! They must have sales goals and the criteria involves every little slip someone makes. Their motto should be "anything to make a buck".

the bank then takes 5% of that transaction in the form of a 5 dollar fee. How did that bank become a partner in this transaction? Is party one responsible to reimburse party 2 for that charge? I only went to this bank to see about starting an account there. Of course I will not do that now and also I will not accept checks from that bank without the 5 dollar fee in advance. Wacovia did this charging 5 dollar thing for a while and no longer does this practice in my area.

I opened this account with fifth third back in feb of 2010 so far my account has been current until charter communications went in to my account to take fees that i did not authorize which cause my account to be overdrawn the customer service rep told me to go into the banking center and dispute it and that they would most certainly replace my over draft fees that were taken out of the account from my direct deposits which happens to be my unemployemnt that i live off., So far that has not happened so i check my account yesterday because i have a few bills to pay and i want to make sure the money is there to take care of these bills only to find that my account has again been overdrawn from the same company!!!

The customer service rep was very rude so i asked to speak to her supervisor who was even more nasty than she was!! SO i wass suppose to get another unemployment payment today but they took that also now i dont have any money to do anything with and all they can say is " there is no way for us to protect you against this type of thing" What does that mean?! The overdraft fees are ridicoulus and they are charging me $33.00 for items i paid for that they are now claming they paid! if i known it would be this way i would have never even dealt with them. Needless to say ive moved on to regions bank,but this is just wrong what they have done They are charging overdraft fees on top of overdraft fees and they created them They charge for transactions that ive paid for but somehow they turn it around to say they paid for it! This bank needs to be closed its I live off of unemployment and i recieve it via direct deposit this bank took two weeks of deposits and my refund money for attending school i have 5 kids and now i dont have any money to pay bills or do anything

These are all overdraft charges on theur own charges. Then when i tried to set up a checking account with another bank they sent them something from checks systems and the new bank said they could not keep me. This is fraud and now I have no bank to write checks to pay my bills. I can barely sleep at night this has been a nightmare.

I had a checking account with 5th 3rd Bank. I was given an Early Access account with a $500 limit. I was able to transfer money into my checking from this account if I needed it. I transferred $200 on a Sunday from the Early Access Account. The checking account balance reflected the new balance immediately. The next day 5th 3rd bounced a check I had written saying the Early Access transfer do not post immediately on the weekends. That is not true. I have done this on the weekends before and this has never happened. I have transferred money from the Early Access to my checking and went to the ATM and got cash on the weekend.

To make matters worse, I used my debit card the Saturday prior. I made approximately seven purchases. On Sunday those purchase were pending and the money was taken out of my account. On Monday 5th 3rd charged me a overdraft fee for all the transactions from Saturday. One transaction was a withdrawal from a 5th 3rd ATM; I used my pin number with most of the other Saturday debit card transactions. I received a receipt with an approval code. I dont understand how they can reverse the approvals and charge me overdraft fees. Instead of fighting with them I opened another account at another bank and stopped my direct deposits with 5th 3rd. I could not afford to pay them. I currently owe approxiately $700. I would like to be apart of the class action lawsuit filed against 5th 3rd Bank.

My wife and I after only a few days from being well in the black were over $500 in the red because of the fact that Fifth Third counts its debits before its credits. We pleaded with them to refund us, and received a refund, only to have it taken and compounded with more overdraft fees. Not able to pay bills because of the compounded overdraft fees.

I have been a Fifth Third Bank customer for over 25 years. My husband used to bank with them also, but after he had a few negative experiences on his business accounts, he transferred all his business to another bank. I insisted on keeping my Fifth Third account as it was known, convenient, and I was resisting change. In the last two years I have had a few experiences that have now made me want to close my account.

The first was how they processed pending transactions that resulted in two overdraft fees. I admittedly did not have funds for one of the transactions....deposit went in a day late. But, they way they processed the Pending Transactions, they say, made me not have enough money for both. With a bit of arguing, they did agree to drop one overdraft fee as I had never had a problem with my account before. Next came the time when they refused a check written to me by my husband for deposit because it didn't have the date on it. I asked if I could add the date and they said no. My husband would have to come to do it. I took the check back, dated it and took it to another branch for deposit. Now, I am angry beyond measure and will be closing my account at the earliest convenience. My husband wrote a check to me from his bank to cover our monthly household bills. He has done this every month for the last 15 years. This time, however, they put a hold on the deposit. I deposited the check on June 3rd.

On June 4th, I checked my balance on-line and the deposit was there. So, I started paying bills on-line. Then, I noticed yesterday that my balance was very low. I checked and they now have my last deposit as pending. Fortunately, I had enough money in my account to cover most of the bills. However, I made other payments that will come in today. I called the bank and they told me that my deposit will not come off hold until Friday, June 11th. So, anything that comes in will result in an overdraft. I can go today and deposit cash to try to avoid this. I asked her why it was being held as my husband called his bank and they said there was no hold or problem on their end. They said it is their standard procedure to hold checks if you don't have enough money in your account to cover the check until they actually have their money in hand. I said it seemed like a long time to hold a deposit and wondered why it had never happened to me in the last 20 years. So, unless I come up with a whole lot of cash today, I will have many overdraft fees tomorrow.

Fifth Third Bank ripped me off from overdraft fees that were not correctly done and were days late to post, costing me $411.00 in overdraft fees. I am a father of three and not employed at this time. My wife is the only one working and we are having troubles. Even the branch manager said that he saw where the problem was, that it was Fifth Third Bank's fault--still, I got **.

I was taken for over $1000 in illegal and predatory accounting and misuse of debit account overdraft fees. I would like to join the class action lawsuit. Also, Key Bank has begun the same process.

I was charged $296 in overdraft fees for one purchase because they take the largest debit first. This made the other 7 purchases I made earlier in the day overdrawn, too. The card should be declined because there is not enough money to cover it, but they approved it anyway just to get the overdraft fees. This is stealing from the customer and dishonest banking practice.

When I called to correct the situation, they just said over and over that the fees would not be reversed because there was no banking error on their part. I told them that I would pay one overdraft fee because I did overdraw on one purchase, but they still would not reverse the fees. They purposefully take the largest debit first, regardless of the order the purchases were made, to charge more overdraft fees to steal our hard earned money.

I've been a member since 1970 and have been having mistakes and a total loss of care as a long-time customer. I've been closing accounts and changing to Chase and Forum Credit Union because of how they have treated me as a customer. Last straw was I've been trying to close a non-profit account down that had other signers on the account. I had the new treasurer of that non-profit account go in person to close that account down. He called me after and told me how Mr. ** had told him I had another account that had not been used since 1998.

Mr. ** then said he would close that account down with him there and later called to tell him all accounts that had been talked about down. Not once calling me to ask about the account that had not been used since 1998. I contacted authorities and was given Privacy Guard for a year. It has been over a month trying to activate that protection. If that person was going to use my information, he would have plenty of time given how 5th 3rd has not protected me.

I sent in check to wife's health savings account. Bank didn't credit to account. I sent proof to bank of deposit. Bank refused to credit it for 60-90 days until it researched. Bank paid $900 from checking account to alleged creditor via electronic transfer I did not authorize. Bank said I had authorized but refused to give me proof that I had authorized. Bank set closing on mortgage for date certain in Sarasota. I drove from work in Tampa to Sarasota to close, but bank did not have papers ready. I had to come back the next day. Then bank tried to make the loan for $50,000 more than needed, which I had not authorized.

Later, I found out bank recorded purchase of home in wrong county. I paid my mortgage timely within grace period every month for years. But when recession hit, bank harassed me every month to pay on the first of month. I called over and over again. I had asked when closed to have payment date on 15th of month but bank said no need because there was an automatic grace period until 15th every month, so I could pay on 15th. When car lease ended, bank ruined my credit by reporting lease as settled, paying as agreed, instead of the truth, which was that the lease had ended and had been completely paid. Bank also lowered my credit score by continuing to report a line of credit as open, with zero balance, which I had closed. It should have stopped reporting this line to credit reporting agencies.

They have taken so much money from me they always have a different reason, like my deposit was 10 min late, or largest item goes through first even though I paid for gas 5 days ago and had enough money to do so. They have taken over $1300 in overdraft fees. I have 3 children to feed, work for school system, and live paycheck to paycheck.

I don't have time or money to play their games. I have so much stuff to remember I shouldn't have to remember 15 different times I have to make my deposit by. This has put me behind on my house payment. I have even had to have my water turned off because they charged me $300 in overdraft fee. So I had to get food instead of the water bill.

Overdraft fees. They are not debiting in the order of checks (are atm charges) as they incur, but taking the largest amount out first in order to run up my overdraft charges. What is the sense of keeping a bank book for my checking if they do not deduct in the order I have spent the money? It makes my bank log or book useless. I was 90.82 cents overdrawn, because they went out of order.

Fifth Third is holding on to large amount of checks. When the amount is down, then they put it in the check. Now, it's overdrafted, and all those charges that go with it. They have been doing this with us for years.

I was charged late fees for my late fees. My account showed an overdraft of $58. I immediately called and put $60 into my account. The following day, I was charged $150 which led to a negative balance again of $7.98, which was to be charged a late fee by nighttime. The $158 deposited was my child support. I have only a part-time job and I am a full-time student. I have three children to care for.

I keep getting further and further behind. I am losing my home and I have an appointment to file bankruptcy. I have not slept in months. I have lost a considerable amount of weight (I am 5 feet 6 and weigh 100 lbs). I have ulcers and had to be placed on an anti-anxiety. I have lost thousands of dollars to this bank over the last two years. I would greatly appreciate any help you can give me, not financially, but educationally. I would love to be able to tell them that they are charging me illegally and that they have to refund my losses.

Once again, a single overdraft has resulted in a ridiculous penalty from 5/3. I bounced a $26.00 check on Monday afternoon and it was my last transaction. Nothing posts from 5:00 Friday afternoon to 12:00 Tuesday morning, and 5/3 will rearrange the customer's transactions to post the largest ones first. This will insure the highest fees possible. My single overdraft cost me $148.00. My mistake for not having enough sense to find another place to handle my money earlier I guess. Here is a copy of my latest plea for help to them:

"Hello. It's me again. I'm embarrassed to even attempt to ask for help but this is wrong. My wife wrote a check this weekend that I was unaware of for $26.00. The check went through on Monday afternoon. I realize that we did not have enough in our account to cover this check, but the account was still in the black prior to this check posting. However, since nothing posts between Friday afternoon and 12:00 Tuesday morning, plus the transaction rearranging practice of your bank, it looks like this single overdraft is going to cost us $148.00 in fees! We need help from you in this matter please."

In 2005, my husband and I refinanced our building with Fifth Third. We were told that it was a 20-year mortgage. Last year, the bank contacted us and told us that the mortgage needed to be refinanced. We did not know that it was a 20-year amortization loan with a five-year balloon. They went ahead and did a refinance for one year. They said with the business being up for sale, that was the longest they could do and that we needed to have it off the market for six months and then they would do another refinance.

When they did the refinance in 2009, we told them that the building and business was two separates. The building was personal and that we would not put up anything that did with the business up for collateral. The loan officer assured us that there was nothing in the refi for the business assets. When we went to refi this year, they said that there was not enough assets to do the refi and that we needed to come up with more money. I told them I would not put up any equipment for the loan and she said that all the equipment, inventory and cash was up for collateral already.

I told them we did not put it up but the officer put it in the paper work and we already signed it. The building and equipment is worth at least $200,000 and the bank says there is no assets there for a $135,000 loan refi. They are trying to steal our business. If we cannot refi our business with what is already there for assets, we will lose our home and everything. This is our only source of income.

I sent in a check to Fifth Third Bank via UPS overnight to pay off the credit card balance in full. Fifth Third Bank signed for the package on February 26, 2010 at 9:58AM. I kept watching online for the check to post. On March 8, 2010, I spoke to a mailroom supervisor, Chris, who said he forwarded it to Hoang **. I called her and she said she would look into it and call me back. When she called me back, she told me her name was not Hoang **, told me a different name and told me she did not work for Fifth Third. I looked at the caller ID on my phone and it clearly stated Fifth Third. Later I called for a customer service supervisor and explained that Fifth Third received the check on February 26, 2010, and as of March 8, 2010, it still had not posted to my account.

On March 10 or 11, the supervisor, Michelle, called me back to say that the check was lost and couldn't be found. I needed to have the check re-issued. On March 16, 2010, Fifth Third signed for another UPS package at 9:21AM by a person by the last name of **. I called Michelle to let her know that the second check was in her building. March 20, 2010, I started getting harassing collection calls again. I was getting phone calls at home and hang-up phone calls at work. I immediately contacted Fifth Third and told them to stop the calls, Fifth Third has the check and they need to find it.

On March 25, 2019, I found out that Fifth Third cashed the check on March 17, 2010, but it still has not posted it to my account and I am again getting collection phone calls. I had a copy of the cancelled check faxed to Stephan, employee no. **. He called me a couple of minutes later to inform me that it could take up to three business days to track down. I informed him that I have worked in the accounting field for umpteen years and I am able to track down checks in an hour. I have also sent Howard ** of WKRC an email regarding this situation.

At the end of my email, I realized what may be the problem with Fifth Third Bank. Their name is a fraction and is not a whole number. Therefore, they only do a fraction of the work. I have never had so many problems trying to payoff a credit card. As of today, March 25, 2010, even though Fifth Third Bank has cashed the check and has the money in their bank, it still has not posted to my bank and the issue still remains unresolved. I have missed two days of work trying to get this straightened out without any success.

In a couple of days, the account will be 30 days past due. At this point I do not want to give them any more money because it could take years to get a refund. Besides, if I were to make a payment to shut them up, they would have more money than what is owed on the account. I will never ever use Fifth Third Bank again, even if they change their name to a whole number.

I had been called from my bank and asked to open a savings account. I already had a checking account. They said they would transfer the funds from my checking to my savings right then and I could sign the paper later. Few days later, I signed it. Then, I wrote a check for cobra ($55.22) insurance as I am laid off. I forgot to transfer funds to cover the check. I noticed the account was overdrawn, so I transferred $200.00 to cover check and fees. My unemployment check was also deposited ($260.00). They got me for close to $400.00. I had $100.00 left. Well, they did not take out all the fees at once. How was I to know? So, I used some of the money I thought I had and was fined each time totaling over $700.00.

If they would have told me that I could have connected my two accounts, they would have taken the money out of my savings to cover the check and all of this would have only cost me an extra $10.00. They will not reverse any of the fees and have taken my last 3 unemployment checks. I have not had a check for 3 weeks and am going to take more out of my next check. I have already experienced a major loss of pay due to a mass lay off. Now my bills are late. I cannot afford food, gas, etc. They refuse to reverse any of the fees. I am crippled by this and have no one to turn to. I have never been in this spot and am not sure what to do at this point. I have contacted Howard ** and he is very interested in my story. I feel I have been cheated out of the little money I had to support my family.

I check my balance everyday. All of a sudden in one day, they said I overdrew. I had taken an early because I knew my account would be close to the balance. To make a long story short, they charge overdraft fees on top of overdraft fees. They also charge per day you are over. If you ask to close the account, they told me "wait for 20 days, it can remain overdrawn for 20 days then we will discuss with you the overdraft and how to resolve, but meanwhile we are charging you for each day."

I asked the person if they thought I was stupid or what. Why can't I just work something out with you now, and they told me that they have to let it go for 20 days, of which those days are charging me per day. After the 20 days they will discuss the total with me. The bottom line is that they told me that I was overdrawn $2.74 and they charged me $37 for that. I still have records that I did not overdraw the account, but they told me I have no recourse, it is their word and there is nothing you can do about it.

Also I had savings account that held overdraft protection for my checking, and how convenient they took it upon themselves to close my savings account 3 days before all of this. Then I put in for a stop payment online at 10pm and called then next day to make sure it was entered correct. They said yes it was and they charged me $33 for that, and "oh, by the way the check came in at the same time last night and we paid it." So I called the person that it was to and they said to come in and they would reimburse me since the check cleared. Then two days later, I looked online and they did stop payment on the check they just told me cleared and I already went and got reimbursed for that. Now how does that make me look to that business? Fifth Third leaves a lot to be desired with the tactics they use. I am closing my account this Friday after I am certain that my husband direct deposit goes to the new bank.

My husband is self employed. His account was with Fifth Third as was our personal account. They did not properly deposit money into our personal account (per their own policy). We are in an ongoing debate with them over overdraft charges and other fees. They charged money to our account after we had closed it, knowing there was no money in the account. Also an issue with an overdraft protection that has money accruing on it and should not have been used.

I have dealt with one teller there that I actually liked with past issues. She was not there this morning. This bank will call you constantly and drive you insane. They love to repo and put you into collections like I have never seen. I am to the point that my personal bank will be taking over my loan. I don't want anymore to do with this bank, period. I got a call when I got to work from this bank and told them it was taken care of at a branch. Do not deal with this bank please. They have stressed me to the max. I am not crying over this bank anymore.

Fifth Third Bank raised the interest rate on a closed account with excellent payment history. The Master Card account was closed in April of 2009. They agreed with me that I had closed it in April of 2009. When the February 2010 bill arrived, the interest rate had been raised 2 points. I immediately called customer service. They said I had been sent a letter in Nov. 2009 requiring me to close the account and opt out of the rate increase. I told them I did not receive such a letter and the account had been closed for eight months before they supposedly sent the letter.

They refused to listen to me or change the rate back. This is unethical and grossly unfair. The account was already closed! Who would not opt out of a rate increase on a closed account if given the chance. I feel they have acted with extreme greed and are in the wrong. Why should I have had to "opt out and close" an already closed account! I certainly would have, though, had I gotten the letter. Its just wrong how Fifth Third Bank treated me. The economic damage is having a rate increase of 13.99% raised to 15.99%. The physical damage is feeling victimized and angry.

Our Samsung that we purchased in Jan 2007 will not turn on. At first, it would make a clicking noise and turn on after about 5 minutes. This happened two days ago. The following day, it would not turn on at all. I googled the issue and found 100s of posts with the same problem. We called customer service right away as I knew that this was not going away on its own. The representative said it was more than likely the capacitors and it would be covered under warranty. However, the warranty has expired (but she didn't mention that). The rep said she would have a certified technician come out and fix the television in two business days. So, we will see what happens.

We spent over $1,500 for this TV. We relied on consumer reports because they rated it so high. I think consumer reports needs to reissue a statement on Samsung TVs. I am sure they know there is an issue and if they don't, I would question anything else they put out. Their reputation is on the line too, so I suggest they get on it. I found a class action suit against Samsung, which I will join if they don't fix my TV free of charge. The economy is too dire for consumers to have to waste time and money on faulty manufacturing.

My account went into the negative on 2/18/2010, because of one charge. I put a deposit in the bank on 2/19/2010, to bring it in good standing. I thought I was in good standing, but I received a $74.00 overdraft fee. This bank charges for everyday your account is in the negative. On 2/20/2010, my account is in the negative, and I will be charged again. Is this illegal?

On 2/16, the last transaction processed for the day in the amount of $182.18 resulted in my being overdrawn by $72.03. The following day, 2/17, I was charged $370 in overdraft fees based on every transaction that occurred on 2/16. On 2/18, I made a deposit to cover the OD charges. I learned that I will now be paying overdraft charges on my overdraft charge.

I asked the manager to cancel any OD protection. I stated that if I did not have sufficient funds, I did not want the money paid out. I want it returned to the merchant, noted, non-sufficient funds. The manager told me I would be charged the same amount to return it, as I would pay in OD charges! What?! This is ludicrous!

As it stands, they are manipulating transactions in an effort to obtain the most amount of money in OD charges. Then, they charge me OD charges on my OD charges. Now, I am told there is nothing I can do to stop this action in the future. The bank must be stopped. It is preying on its customers at a time when there is no money to cover these outrageous fees and the charges will continue to escalate, with no relief.

Fifth Third Bank charged me $148 in overdraft fees, for a short of $19.29. I made 4 small purchases with my debit card over the weekend, totaling $29.43. On Monday, I made a purchase of $29.13. Monday night, I went to the grocery store, and spent 97.03. I knew I was close to my balance, but the card went through, so I thought I was okay. (I do not have a savings account linked to it) Next day I noticed, it was $(19.29). When I swiped it at the grocery store, the card should have been declined due to insufficient funds, but they put it through.

They then put the 97.03 amount through first, even though it was the last item to clear. Instead of being charged for one NSF, all my purchases from over the weekend were charged a $37.00 fee! My account is now $(167.29), and I will be charged $8 per day, it is negative. Having to pay out money I do not have which is putting an even bigger financial strain on me!

Sign me up for the Fifth Third class action suit. Any additional information you can provide would be great. Fifth Third charged me hundreds in overdraft fees. Finally, I left bank.

While reviewing my account on-line, a couple of small transactions ($5/$10) were posted as pending (money was in the bank to clear these postings). I made a deposit before the end of the day. I also wrote a check the same day as the deposit was made. Although the check was wrote and delivered the day of the deposit, the check was processed through electronic posting for the same day as the deposit.

My account was $40, shy to cover the electronic posting for the check. I understand the overdraft on this process and I do not care to pay the charges for it. However, Fifth Third did not clear the small transactions that were already showing as pending. Instead, they attempted to clear the $150.00 check first, therefore, creating my small transactions, which were already posted as pending, to be denied with insufficient funds. I was charged $125 for overdraft fees on all transactions instead of clearing the small transactions first, (which had money to clear). I was charged $125 in fees for a $40 overdraft.

I got my direct deposit on 1/29/10 and paid bills as normal. I checked my balance on Saturday after trying to make a purchase at Target only to find out that I needed to add more money. So I transferred over 45$ from my savings. Today, 2/1/10, I called the 800 number to find out why I didn't have anything in my checking or savings and in fact my account is going to be in the negative over $100. I come to find out a check that I had deposited via ATM on 1/25/10 was posted and returned NSF on last night.

What I don't understand is why the check was returned on today when I got paid on Friday. So they waited until I was down to my last dime to return a check, which is a $15 charge and then I have two other items for which there is no money in the account for because of this check deposit over a week ago. This bank is corrupt and fee driven. I will be making sure that both my checking and savings accounts are closed this coming Friday because I will not be a cash cow for this bank any more. Also, there is a class action lawsuit happening in NC (it was in the Cincinnati Enquirer today). I hope that they get what is coming to them! I don't have money to give the bank every time I get paid. They are supposed to be protecting you money and helping it grow; instead, Fifth Third Bank has found a way to steal from you!

On 01/15/10, I deposited my payroll check for the amount of $264.88 into my checking account that was currently a positive balance. On the same day, I also paid a bill using my debit card in the amount of $108.87 which did not post until 01/16/10. I was charged an overdraft fee of $37.00 on 01/19/10, even though my ending balance for 01/15/10 was $265.86. I was never notified that the overdraft had occurred (even though I show no actual overdraft).

On 01/22/10, I checked my balance online through Fifth Thirds website, 53.com, only to find that the overdraft fee assessed on 01/19/10 consequently caused 3 other debits to overdraft on 01/20/10, each accruing a $37.00 fee which was charged $111.00 in total on 01/21/10. Beginning Monday, January 25, my account will be charged an $8.00 daily overdraft fee until my account becomes a $0.00 balance or above. Thanks 5/3 for kicking the consumer while they are down. I am truly disappointed in your practices.

Unfortunately, my wife and I had to file for bankruptcy last July and in April our lawyer told us that if we wanted to keep our Windstar that we would have to call Fifth Third and do a loss mediation. So I called the branch that the auto loan was through and told them what was going on and what we wanted to do. They connected me to a lady named Kim and through her I thought that everything was taken care of. She told us our payment was lowered from $299.97 to $174.97. The reaffirmed amount was $3,630.05 at 8.8% and it would be paid off on May 9, 2010.

Now after making all of our payments on time we get a call that our loan is in default. On April 9, 2009 we sent a payment of $415.29 to have everything caught up. Towards the middle of December 09 we received a form from the Financial Assistance Program at Fifth Third. It was sent back 12/31/09 and we are told that it is still in review. I have called Kristen F.'s office and left numerous messages to have her call me back. All we get is the collections department calling us at all hours. I sent them everything they asked for. We cannot afford a higher payment. That is why we called in April. The account should not be delinquent. Our payments have never been late.

I had a business checking account with this bank for 19 years and when it was necessary to close my account because I moved to Southern Ohio and the nearest Fifth Third is 40-45 miles, away they charged me $50 to close the account, $17.00 unbilled services and $17.00 for service charges for the month.

I talked to the manager six weeks ago and he promised to check into it but did nothing and never returned my call. I talked to a flip teller today who kept apologizing but found her insincere and unwilling to help. Do not recommend Fifth Third to anyone! I am out $67.00 of fees for no reason and no one told me about these fees when I was closing the account.

Fifth Third bank has misleading banking practices that lead to multiple overdraft fees. I have lost about $2000 in fees which cause stress leading to my Crohn's disease flaring making it impossible for me to work when it happens.

I wrote a check for $1,000 which was post-dated for December 24, 2009 (Payday) with the verbal consent of the person I was dealing with. The law firm to which it was written was supposed to hold it for deposit until 12/24/09, but the person I was dealing with was ill and the secretary picked it up and included it in the daily deposit. Their bank missed the date and sent it through. My bank paid in on December 21, 2009, which overdrew my checking account. I contacted the firm, which overnighted me a check for $1,000, which did not make it here for 2 days due to a snow storm. I made a deposit for $2200+ on December 24, but by that time, my bank had charged us $510 in overdraft fees, which they refused to refund, saying it was not their fault because their electronic banking did not pick up the date. I suspect this refusal is related to the fact that I complained to the Federal Reserve about exorbitant overdraft charges in the past, which should have nothing to do with this particular case.

On 12/7/09 5/3 stated they paid a check for $570 which overdrew my account charging me $330 in fees BUT the next day the recinded payment of the check AFTER they assessed 10 $33 fees for small debt card transaction. The account did not have enought funds on 12/7/09 to clear the $570 check, thus, had they returned the check NSF, ALL of my debt card transaction would have cleared and left me with a positive balance of $212. This is FRAUD..either they paid the check and I am legitimately overdrawn or they return the check and collect ONE fee. This is a scam that is evident and has resulted in $600 in assessed fees from the bank.

Also, the bank is charging fees for $1 pre-authorization which are NEVER charged by the merchant, holding deposits from unemployment checks, and delaying debt card credits to the account even when the merchant returned the amount to the debt card within 5 minutes of debiting it! The bank also does not give an account of how they derive the fees and REFUSED to close my account on 12/14/09 so that I didn't continue to incurr a daily $8 overdraft charge. They are the WORST and are flagrant in their total disregard for the law. I have not filed a small claims civil action against them to recover the fees. Maybe if we all start suing them in small claims court someone will take notice and stop their blantant theft from hardworking americians!

On 12/7 I had used my Fifth Third checking account to go to a doctors appointment and do some Christmas Shopping for my daughter. When I returned home early that evening I realized I would need more money in my checking account to insure all of my expenditures where covered and therefore made a transfer from my savings into my checking that same day. The transfer was done online, and applied immediately to my available balance. I retired for the evening assuming all was well.

The next morning on the 8th the money that I transferred over from my savings was still listed as a pending transaction while the expeditures I hade made on the 7th were now applied to the account. This left my ledger balance in the negatives. The items were arranged inorder to maxamize the amount of overdrafts incurred. By the 9th there were over 500 dollars in overdraft fees resulting from several minor purchases.

What gets me is that I had transferred money over from my savings to cover this, I had made absolutely sure that my expenditures would be completely covered. Fifth third bank did not apply my transfer until the 8th, even though it was made on the the 7th, the same day as my purchases.

Fifth Third withheld my legitimate transfer in order to Insure that I incurred overdraft fees. When I complained I was told that online transfers only apply to the following day when they are completed before 7pm.

First off, I thought this was 24hour banking. There is absolutely no reason for that policy except to maximize profit at the consumer's expense. Its simply unfair to the customer. I was never made aware of this, and since I was left with the implication that this was 24 hour banking I never even thought it would be a problem.

Anyone I spoke to at the bank was completely unsympathetic to my situation. There is no way I can pay for 500$ (and rising) overdraft fees. I just cant afford it, its Christmas time and with the current economy things are bad enough. It's common knowledge that Fifth Third arranges your transactions from largest expenditure to smallest to insure that they can apply as many overdraft fees as possible. I knew this, so I do whatever I can to avoid overdrafting my account. Yet I had NO IDEA there was a cut off point for the application of online transfers?

24 HOUR BANKING? There is no honest reason to have such a cut off time. It's not like I'm interrupting some employeess dinner, or a service rep has to get out of bed to complete my transfer, its all online and automated.

If Fifth Third had just applied the transfer instead of purposely withholding it I could have avoided $500+ of overdraft fees. It dishonest and completely unfair. No I am in some serious financial trouble just in time for the holiday. Seriously, its not like I spent more money than I had, I transferred money from savings to checking ON THE SAME DAY I MADE PURCHASES.

I hope there is a class action law suit against these thieves one day. They way they treat there customer's is atrocious and I am starting to believe some serious federal regulations are required to protect consumers from horrible policies that serve no purpose but maximize Fifth Third's profits at my expense.

Now its going to be very difficult if not impossible to afford gifts for my family and my three year old daughter. She wont understand why we cant get her the dollhouse she wanted and because our checks are direct deposit we have no money for the holiday and are forced to borrow money from friends and family. This all could have been avoided if fifth third had not manipulated our account to get overdraft fees applied.

I used my debit card to make purchases and went into the negative. No charges were ever denied nor was I informed that I was overdrafting. I ended up accumulating over $600 in fees for being less than $300 overdrawn. If my card had been declined, that would have solved the problem immediately. Instead, you can only make debit card purchases as credit or you will get charged fees at the end of the month. A charge does not go through immediately as a debit purchase does, so you can keep on charging.

I went to the bank to see if I could get some fees reversed, as I have been a customer for 6 years. They had to send my request to the branch where I opened my account (for no apparent reason). While I waited the four days it took the other bank to respond, I was charged even more fees. They decided to only reverse $100, like that made much of a difference.

I was forced to apply for early account access to borrow money from my next paycheck. Of course, this cost me another $50 in fees. All of this is happening in the the few weeks leading up to Christmas! I hope all of that extra money lining their pockets keeps their greedy hands warm. I am a graduate student living on a very limited budget and there is no opportunities for overtime as a teacher. I've basically ruined Christmas, my birthday, and my 8 year anniversary over a couple hundred dollars!

I just opened account with 5/3 bank and got a debit card for the first time in my life. I take responsibilty for not understanding how 5/3 works. I still want to complain. On November 25th I deposited a check in my account and then I went to the store to get food for Thanksgiving. Unknown to me they did not clear all my money till that night so when I went to the two stores and used my debit card they charge me for 2 o/draft fees, total of $50.00 Iwas not aware of this on sat nov 28 I looked at my statement and saw it so I went into the bank to speck to someone she advised me I had to call the 800 number, she could do nothing so I di call the number they said I had 3 more charges of $33 each so now I am up to $149.00 so I had to go pawn a item to get money to put into my bank, they said they used the highest amount first and so on so that is why the large amount of charges if they would have used the smallest one I would have had only one charge they did give me back $25 but that is all. We are on unemployment and shoud have direst deposit but it did not go through as it was supose to so now I have 3 more charges another $99 so to date I have had STOLEN from me by the bank $223 in overdraft fees because they can and if they would have paid lowest to highest as morally they should I would only have been charged $50 total. I know I can do nothing about this but if our goverment is ever going to fix this mess it has allowed by the banks and credit card companys etc. they will change the rules they have allowed the banks to do. Also I might add we had owned our own business for 32 years up until this past July when we had to close. We used to employ 25 to 100 people (Construction) now we have nothing.

5th 3rd bank has not sent a cc bill in over one year. I have called several times. 5th-3rd has charged late fees and has risen my rates. I am still talking to them.

Bank of America and Chase Cards have informed me that they are "Changing our agreement." They are "changing our agreement?" And they are placing my interest on variable rates.

I have NEVER missed a payment...why do my rates keep climbing?

On Saturday November 14th at approximately 9:00 a.m. I deposited a check for $1,000.00 (which they did not clear for four days). Just a day prior to this I had transferred money to cover bank fees so I was happy to finally have a little bit of extra money. After depositing the check, 5th 3rd made $50.00 of the check available to me. Knowing that they have a tendancy to do that then hours later take it away, I didn't touch it at first. Eight hours later the money was still available to me so I decided to treat my son to an early birthday present so we went to McDonalds, Gamestop and a small visit to the gas station to buy munchies while we played the game all night long. After I got home and throughout the rest of the weekend up until 12:15 a.m. November 17th, the bank said I had $16 and some change available to me still. Upon waking this morning, I checked my bank first thing as I always do and was shocked to see a fee for $74.00.

I went to the bank with a print out of what was posted on the internet and I made several comments in pen to discuss with the banker. I also brought along my checkbook (which I keep up with almost a religious obsession. I recheck numbers repeatedly and for days after as well!). for the first time a banker was available to speak to me.

right from the second he sat down at the other side of the desk, his tone and attitude changed. He printed off several papers, which he threw on the desk in front of me and said "this is for this and this is for this and this is for this and this is for this. get it?" No, I did not get it. I was so confused and just wanted him to tell me what the $74.00 in fees were when they were the ones that made money available to me! He then said in a rather gleeful tone of voice, "oh, and it looks like you owe us another $111.00, which will be taken from your account over the next 24 hours." I began to cry. I'm a single parent on disability and every cent I receive from compensation is desperately needed to care for my family.

So I attempted to show him my checkbook and the calculations I had and he didn't even glance at it, told me that maybe I should take a refresher course on how to keep a checkbook and manage money. I informed him I've had a checkbook since I was 16 and I have never had so many problems with a bank as I have since I joined 5th 3rd in May of this year. He had a snicker on his face and he told me that banking hasn't changed since I was 16 and I need to just accept the fact that the bank was removing another $111.00 in fees and he would not reverse a single one of them. I don't understand how it can be legal that banks can not only charge such a ridiculous amount but how is it legal that they can release funds, then only to take it back and charge you when you use them???

I still don't know why they took almost $400.00 from me at the beginning of the month. I was late paying my rent and had to borrow the money to cover it. The employees at the call center are also horrifically rude and if you talk to anyone about fees, they treat you as a criminal and as if you are stupid. They mock you and pretty much have a "too bad if you don't like it" attitude. Since May 5th 3rd Bank has taken well over $1,000.00 in fees from me. One fee, fine. But when they just keep hitting you with more and more, well I just don't understand that.

I was wrongly charged 165.00 in overdraft fees for 4 separate 3 or 4 dollar charges on a single day. We kept track of these debit charges and transferred money to make sure our balance stayed positive. Seems 5/3 likes to charge overdraft on authorizations and not posted dates that show up in internet banking. Its tough to keep up with their real-time authorizations while I have to wait on the delay in actual transactions posted to view with their online banking.

I've never had anyone so blatantly steal from me before. Its a new experience for me to learn that a bank that i have supported by using my debit card for over 16 years can so eagerly strong arm money out of my account without showing me factual evidence that such withdrawals of funds was justified.

I have been a customer for several years with never a late payment or a overdraft. Then recently they have been charging fees on everything. I made a deposit, which only $100 deposited immediately.. no problem, but then they charged me an overdraft fee 3 days later because they posted a debit that hadn't even cleared yet... and then later the same day cleared the rest of the deposit. Then, more recently I deposited a check and a couple days later received a notice that the funds were on hold and that my account will not be charged any fees... and if there were fees they would be refunded. Surprise... I was charged bounce check fees... and when I called about it they said that they couldn't remove the fees because they already posted and that it is there policy not to remove fees.

Furthermore, several years ago I requested that my account options be changed to deny funds at ATMs when attempting to overdraw instead of dispensing funds and charging an overdraft fee. This is possible, and they did change this for me. But now my account has been changed back to the old way without my approval and, surprise, I can overdraw and incur fees.

I transferred from Alabama to Tennessee last year. Transferred the registrations on my cars to Tennessee, as I was supposed to. Go down to renew the tags for this year, but only recieved 3 of the 4 renewals. The one that had problems was the one that Fifth Third Bank hold the title on. The State of Tennessee sent a request for the old title for Alabama to the bank on October 30th, 2008. I contacted the bank after the problem at the County Clerk's Office and was told that I had to have a form from them to transfer the title and they would fax it. That was last week...NO FAX.

Called back today was told that they would fax the form again but that there is a $20 processing fee which I would have to MAIL in to have the title transferred. This Bank screws you everytime. If you do not have an account with them to make your payments, then you have to use BILLPAYER2000 to get them there money and there is a fee for having to use the BILLPAYER. Now I will have to figure out a way to get to work next week because I cannot drive my car with an expired tag! I find that this is one of the worst banks I have ever delt with.

This is one of many problems I've had with Fifth Third's "real time banking" practices that resulted in overdraft charges for items that were never actually taken out of my account but sat in pending, thereby reducing the amount I had available. They refused to give back the overdraft charge in each of those instances as well.

I have a Mastercard Platinum account with Fifth Third Bank. I paid off the balance while I was living in Ohio. I moved to Colorado and forgot I had the card. I received notification that they charged me a $19 inactivity fee. Right after I got this notification, I wrote a letter and cancelled the card. Shortly thereafter, I received another statement showing that I was charged a late fee of $19.00 on a supposed $19 balance with a $2 finance charge, doubling the amount they say I now owe.

I informed them when I wrote my cancellation letter that I did not incur these charges and WILL NOT PAY THEM. This is ridiculous and outright fraud. They can keep adding these ludicrous charges - they won't get a penny out of me. I pay my bills on time and work hard for my money and am outraged that a good past customer would be treated this way.

I have many other cards with zero balances, and those companies have just inactivated my card, and not charged me for not using my card. I'm not even calling them because I know I'll just get the run-around and don't have time to waste on a company that is trying to rob me. As I said before, they can charge me all they want, but I refuse to pay charges that I did not incur!!!!!!!!!!!!!!!!!!!!

Last summer we decided to refinance our home as part of the making homes affordable plan. We qualified and saved up for closing and I was very excited because this would settle our former escrow account and get us caught up. We were originally told we needed to bring $1200 to closing, a week before we were told we only needed $750. The day of closing, they gave us a check for $300. This all seemed too fishy, so luckily we held onto the money for a long while, it just didnt seem right. This month, 4 months after our closing, I received a notice from our insurance that our premium, which was due right before our closing had not been paid. When we refinanced, they did not pay the premium from our old escrow and forgot to add it into the new escrow. Once again, we are upside down on our escrow again.

Im pretty frustrated right now. Our escrow account was miscalculated both times by over $1000, and we just dont have that kind of money lying around. Ive been told it was the Loan Officers fault or the Escrow Companies fault, the blame goes back and forth, but it has taken me weeks to work this stuff out.

My review of Fifth Third their customer service is great, very polite. I liked the mortgage package we received both times, but this is my first home and I dont have the experience to know every detail I needed to check for at closing, nor do I think I could have foreseen either issue. I have been very frustrated by their mistakes and the huge inconvenience it has been coming up with the extra money to pay for them.

My bank charged me overdraft fees for items ($1.07, $1.73, etc.) Total fees $100.00. Items were pending not actual charges and they still charged me. They also moved money over from savings (charged me again) and still charged overdraft fees for the items. I called to complain, met with rudeness. Told they don't offer to refund, I have to ask them. When I did, they refunded only $37.50. I asked for a higher supervisor and Joseph refused, said he has as much power as the president of the company.

I can only echo the experiences from the other folks who've had problems with Fifth Thirds deposit policies. We made a deposit early on a Monday and were told Thursday that it hadn't been posted yet. When I visited the bank on Friday and complained, the deposit suddenly was there! A miracle maybe?

Just like many others here, I agree that 5/3 bank does everything they can to screw their customers. Our business got lured to 5/3 because of they had better credit card processing than we currently had and if it is deposited into a 5/3 account, its available the next day (vs the 3 days were were currently waiting). Well, first we were denied overdraft protections, after the rep said she could get it for us. We should have ran away then.

Since then, they have repeatedly send through the highest check before the smaller items and we've been hit with overdraft fees in excess of $300 per day. The lady at the bank said they pay the highest first because thats what they view as the most important.

Well then why, if there are 5 items going through and all 5 are going to be paid by the bank, and the account is going to go negative regardless, WHY do you do the highest one first when it was the last charge i did. Oh wait, i know the answer... to screw over the customers that are the only reason you are in business. So rather than getting one overdraft charge (which would have been legitimate, i admit) I got 5! Absolutely absurd.

The other problem I've been having on a regular basis is my card being declined when there is money in the account. The bank says it's user error, but I'm confident that the people who are running my card are doing it right. Anyway, it's happed WAY to much to be user error.

Thirdly, our cc processing is supposed to have the funds available the next day. Well imagine my humiliation when i was buying diapers & formula with a line behind me and my card was declined at 7pm when we had processed and batched a payment for over $1000 the day before. I came home and checked the account and it wasn't in there yet, but I guess sometime between then and the next morning it hit the account. I'm sorry, but that hardly qualifies as "available the next business day". It can't be considered available if i cant use it.

A few weeks ago i got my car repossed by 53 rd bank it was taken without any type of advance notice,even though i was told that they had called and had written to me concerning this matter. it was taken from where i work at in the middle of the night along with my personal things. after finding out what happened, i called the bank and they said that i was 6 months behind which only turned out to be a few days behind this was found out at a local branch in eaton ohio after paying 400.00 to them i got the car back unharmed. the following week i recieved another notice that they were going to take another 200.00 from my checking account when i called about it they weasanother order to take the car ,and i was threatened that if i got behind again i would never see the car again

When I contacted 5/3 about it, I was told that they would pay the largest check first. This did not happen!! The largest check of the day was the $286, which they did not pay. Technically, If I had $421 and they paid $209, I should have $212 left. When the $286 came up for payment, they bounced it. So I should have had $212.19 minus the overdraft/returned check fee of $37.00 (being generous), which would bring my account to $175.

How can 5/3 charge me their $33 overdraft/returned check fee on transactions that cleared my account???

These places are crooks and scams and should be called on it. Since i need every penny i make now I'm negative $300 and then some. Can't get the things i needed with the $50 i thought was in there, and its very stressfull knowing people are scams stealing your money you worked hard for.

April 8,2009 I overdrew my account by 56.00 this was on a Thursday, Each day after I was charged 6.00-8.00 a day daily overdraft charge this went for a week until my next payday. Within a two week period my account was in the negative of 218.00. I paid was owed and ask that my account to closed as of 04/25/2009. Walmart erroneously sent a check through again on this account after I had taken care of it with another account. I contacted 53rd to inform them of the error, The check was sent back with a charge of 37.00 to me. I disagree with the charge due to the fact the account was closed.

I have had an auto loan with 5/3 since Feb 2005, I called them in 6/10/09 to get the payoff amount (just to make my life easier - I only had 6 more payments to go). I was told the payoff was $3105.38. I thought this was too high and questioned it. I was told it was due to difference in daily interest rates and specific dates my monthly payments had been received. I questioned this again at the local branch and was told the same thing. I specifically asked if there were any other fees and was told no. So, I paid it off.

On 6/29/09, I had not received any info from 5/3 re: getting the title, so I called to check on status. I was informed by the automated information that the balance on the account was no $40.44, and that my payment of $2955.38 had been received on 6/17/09. But my payment had been $3105.28 - what was the $150.00 difference???? At that time, I was told it was an early payment penalty. I told them that was unacceptable and asked that my payment minus the regular June payment be refunded and I would just continue making the rest of the regular monthly payments - I wasn't paying $150.00 prepayment penalty when I only had 5 payments left.

I was told by a supervisor that a refund of $2732.87 would be sent to me withing 10 business days. On 7/7/09, my regular July payment was due, I called to question if there would be a problem paying it at the local branch since I had not received my refund yet and 5/3's records still showed I only owed $40.44. I wss told it wouldn't be a problem, they'd just apply it as an overpayment and my refund was in process. (Of course, there was a problem at the local branch, they said they couldn't apply the regular payment of $372.51, when there was only $40.44 due - but they finally went ahead anyway.)

On 7/20/09 (the 10th business day after my original call for a refund) I contacted 5/3 at 800-972-3030 asking about the status. I was told the account was paid off and I'd be getting a refund of $300.00 something dollars. I was told it was too bad for me about the prepayment penalty, my previous request for a refund had been denied and that was the end of it. "Mary", the supervisor I spoke with was very argumentative and abrupt with me. I explained that my contract merely said "there may be a prepayment penalty", but I had questioned it and was told no. May be can also mean may be not.

Fifth Third gave us multiple approvals for three overseas sales and then "lied and denied" that approval was given! They then took over $11,000 from our store account causing serious damage to our finances!

I had to borrow money from family when car repairs hit close to $2k. I deposited a check to 5/3 drawn on a local bank & asked when funds would be available. Teller said tomorrow, so if I wrote a check today, yes it would clear when it came through tomorrow.

When I paid the mechanics shop, they also called to verify funds. That teller (I heard the call) said yes they were available if the check went in that afternoon. The check went in that afternoon and today, 3 business days later I get an overdraft notice of $75!!! THEY LIED.

I called customer service and all they would do was cut the amount in half. The money was there, they could SEE it, and we'd asked the bank twice if the check was okay to clear. And no one can figure out how the mechanics deposit cleared his own bank and got to mine and cleared before the deposit showed up.

Twice the Fifth Third Bank has withheld funds from a deposit (5,000.00 and 6000.00) for an extra 8 to 10 days after the funds have cleared the makers account. They come up with lame excuses (Check too large and endorsement not clear) for violating the Federal Reserve Deposit Rules. The Fifth Third Bank acts as if the Federal Reserve Bank does not exist. Once the funds have cleared, there is no reason allowed, under Federal Reserve Rules, to withhold funds from a checking account.

Charged overdraft fees due to bank error. Charged $25 fee. Contacted Bank, spoke with 5 people, all told me it is "bank policy" that they will not refund fees. I believe this is a scam for Fifth Third to make money from customers with no recourse, and no federal or state regulation of fees.

My husband was using the debit card not realizing I was paying bills. We went into a negative. Just by them returning the check that was in the negative should've taken care of all the other charges and left us with additional money in the bank.

When I called the bank I was told that they take the highest item out first and down the line. I requested to speak to a supervisor. His name was Scott. When I said to him, but you returned the check that was the highest item he said that didn't happen till the next day. I said but you never paid the item. I can understand being charged a fee for the item you returned, but I shouldn't be charged a fee for all the other items.

In total they charged me $259.00 in fees. I can't afford this. I was out of work for 6 weeks and can barely make ends meet. There isn't even a breakdown on my statement of how much or what items I was charged fees for and he refused to tell me.

When I asked the so called supervisor to speak with someone above him he said there was no one. When I asked for an address to write to the bank he said he was not allowed to give that information out.

I work for a not-for-profit, member funded group. On Tuesday 4/14/09, our organization accidentally overcharged one of our members for his membership contribution. The debit showed on his account within an hour or so of processing. He called our office, and we immediately processed a refund. At that time, there was also a single overdraft fee of $37 charged to his account, which we said we would gladly refund to him since it was our fault.

The following Monday the member called our office to say that the refund had never posted to his account and that he now had over $200 in overdraft fees! I called our charge processing company and was told that the refund did indeed go through about 2-3 hours after the initial debit.

Fifth Third, on the otherhand, claimed that the refund showed up "pending" on Saturday and was not posted until that Monday! The member managed to get $92.50 refunded to his account by Fifth Third and our organization had to cover the remaining $129.50, since we did not want to take the risk of upsetting and losing our member. (Note: A fellow employee, who is also a customer of Fifth Third, is going through nearly the same situation, but his fees are nearly $1000!)

I have gotten charged over $200 in overdraft fees. I always look to see if I have enough money to cover what I need to get. And this week I did. And twice this week, I have been in the hole. Even after a $330 deposit! So I called, and the 'nice' woman on the phone said that charges cleared before my deposit did. Why does this company do this? If I deposit the money then I should have the money. As of right now, I am at $54 and I have like ten charges pending, one is for $125! Fifth Third is crooked! Also they claim that they have sent me overdraft notices, still haven't got a single one. And when I try to look at it online, it says that it's unavailible. Today is a Saturday, even if I had the money, how would I fix my account?

I have gotten charged over $200 in overdraft fees. I always look to see if I have enough money to cover what I need to get. And this week I did. And twice this week, I have been in the hole. Even after a $330 deposit! So I called, and the 'nice' woman on the phone said that charges cleared before my deposit did. Why does this company do this? If I deposit the money then I should have the money. As of right now, I am at $54 and I have like ten charges pending, one is for $125! Fifth Third is crooked!

i refinanced to bring payments back down ended up with 5/3rd get letter escrow is short they tell me prop taxes went up 10 25 08 make first payment around 1600 then 2nd 1700 then 1750 then almost 1800 now now i am sick in 2 months made 2 checks total about 2000 for 2 monthcant make it back to work now 3-25-2009 still lwop feb payment came from credit card cant pay march called numerous times for help finally found someone trying to complete hardship papers fifth third has not missed a call to me every day they start calling people on first of month and call every day leaving recording this company does not communicate with there own people so i expect they will foreclose this company sucks so bad and harrass patrons so bad that i do not even return there calls any people getting refinanced beware you will end up with bad credit scores and alot more i just hope they work with me but i dont think they can take me out and shoot me but i would not rule it out because of there strong arm tactics i was better of living in a trailer or living in a hud house at least the government would kinda help well good luck to everybody and hope someone out there can help me out thank you for your time...

I received a letter from 5th 3rd Bank near the end of February stating my escrow had a shortage of $1,888.00. I bought the house on August 12,2008 and was told my escrow was short my first payment due, which was October 2008. I was told that it was partially due to home owners insurance and taxes. I should have been informed of this information in October and I stated this to Maria. She stated an analysis is done in Februray. I told her I had requested mortgage statements in the past and did not receive them.

Possibly, this would have been on the statement and I could have taken some type of action to avoid or keep the shortage from being so high. I had paid homeowners insurance and the closing, but it was refunded a month later due to it being taken out of escrow is what I was told. I would like for someone to investigate this matter to make sure I'm not being misused or so that it may not occur again at such a huge amount. I believe this was the bank's rep. error, but it will not admit it. Thank-you

High payment needed for escrow account.

For the past 5 years (or more) Fifth Third has given out my business toll-free number instead of their conference line number. At times, we would receive 30 or more calls per day. No matter what I've tried to do to correct the situation, we still get several phone calls each day for Fifth Third conference calls. The problem could be that hundreds of their employees are too stupid to dial the correct number (per 5/3 management) or it could be that they are publishing the wrong number for their conference calls (per 5/3 employees).

The president's office prefers the explanation that the employees just dial the wrong number but the employees insist that they are being given my toll-free number for conference calls. Who should I believe? Who should pay for all these incoming calls to my toll-free line? Fifth Third claims no responsibility even though their employees are giving out my toll-free number.

The calls take time away from us serving our customers, disrupt calls from customers who are placing orders over the phone, and ties up our telephone line so that customers can not reach us to place orders. The hang up calls from Fifth Third employees fills up our voice mail box so that customers can not leave messages. We also are charged for each incoming call from Fifth Third employees on our toll-free line.

All of the individuals I dealt with didn't care about the loyalty from the past two and a half years, they only cared about me being presently late. NO nothing, just eff you, pay me. Considering all the drama that's going on with our economy in this recession, you would think a Bank wouldn't want to take another hit and would work something out with people who are actually trying. Not only is this bad scar on our credit, it ruins and causes mush problems when you want to apply for something simple. Had I known that fifth third were this insensative to the needs of its customers, I would've never agreed to accept one dime from this institution.

I have been dealing with this bank since October. Thinking I was going to be receiveing my title to my truck I instead got a repo man. Customer service has been rude and will not answers any questions stating that they don't have the orginal contract in front of them to answer my questions and then give me another number to call, and they gives me the same answer, although they have some parts of my loan info since they quote me numbers. When I received my history I called and finally got it put on the disputes review. I talked to a lady there and once again got the run around of not having the orginal contract in front of her so she couldn't tell me the reason why my fixed rate had become a variable rate. Instead of doing her job and looking into why I was[questioning] the loan, which would of been just a matter of getting my orginal agreement, she instead sends it to collections again, and to be repossed again...isn't customer service suppose to be service for the customers?

I have my orginal loan agreement it states that on Dec 19, 2002 I financed 35386.52 at an apr of 6% fixed rate with finance charge of 6741.28, for total of 42127.80e, monthly payments of 638.30, for number of payments 6(e). I am assuming this is six years. And through all my conversations with cutomer service I have argued that my loan was to be paid off in 66mos and they have told me no it was 72 mos. Yes that is correct but what happens with the extra 70.04 i make a month. which would make the loan paid off in march 2008.

And according to my loan history they sent it has the term at 72 months with a interest of 4.9% and now the interest is 11.9% Reason being that they state my account has been late since 12/06, after I called in Jan 07 twice to make sure my acount was up to date and paid 811.73 to do this. It clearly shows that i would pay the extra amt of money if I was a month late for the late fees t/o my loan history. Which i really don't believe was necessary since i was alreeady paying extra. So to date I have paid 43536.86 and fifth third wants 3506.43+ to pay off this loan. Can they possibly expect this when it seems to me that they are just changing the loan #'s as they go. If they can't explain things to me by simply getting out the original loan agreement, then I simply can not bring myself to give them on more dime of my hard earned money.

Took in $3200 in two weeks. Still recovering. Hope I can make it.

I had my IRA (total life time savings) with them for management. On June 12 I sent them an email to liquidate all my accounts and also a fax. They sent me an email and I replied in the affirmative. They refused to sell telling me that going into casn I will go broke.

I basically lost most of my money so that I owe the bank more than my loans with them. If they would have liquidated I would have paid them and still have multi million dollar portfolio. We are basically broke.

Not having a real reason to even CHECK my bank account (there's usually not much in there anymore!), I went in there the other day, and Ebay had taken out their $3.17 charge, leaving me $1.24 overdrawn!

I was IMMEDIATELY CHARGED $33.00 by the bank for being overdrawn. I have transferred enough money from my Paypal account to cover it. According to Paypal, the transaction has been completed, BUT NOT ACCORDING TO THE 53 BANK! I have NO transactions pending with them YET!!!

THESE MFer's ARE CHARGING ME $6.00 PER DAY (AND COUNTING!!!) UNTIL I GET THIS ACCOUNT BALANCE IN THE BLACK!!!

Do to a miscalculation causing an avalanch of checks being resubmitted; my 5/3 branch has taken $919 in fees since 11/15/08.

I now can't write checks at Krogers for food and medicine. My car and renters insurance bounced, My son's school fees bounced, and I can't get the funds in until my husband gets paid on the 3rd of the month, and they keep putting checks through and charging me for fees of various names and amounts.

This bank is the worst business to work with. They are completely incompetant and will do anything they can to rip you off. When you deposit a check they have the right to hold it for up to ten business days. So if your sending a check out with money you should have watch out, cause they love to charge you for bounced check fees. And if you are like me, those fees will put your balance below zero, you will get another 35 dollar fee for that and 6 dollars a day for every day it is not paid. And they let people try and cash your bouncing checks an unlimited amount of times. When they finally cleared my check I still owed them money and i lost two weeks pay.

Also, about a year and a half ago I cashed one of my income checks and had it deposited directly to my my credit card account to pay off the balance. Somehow the dumb woman never deposited the check into one of my accounts and my money was lost. When i tried to fix this problem they asked for my deposit receipt, and unfortunately i was to naive to keep them at the time. When i asked if they would check the security tapes at the day and time that i was there, they told me that it was impossible and they called me a liar.

Not only did i lose my WHOLE check i also had to repay my credit card balance. Also, since i moved to philadelphia, 500 miles away from any fifth third branch my problems have escalated. This great group people who work at headquarters seem to always take their good old time depositing checks into your account. It takes an average of two to three weeks for any check i send to get posted to my account. Whenever I call to complain they tell me I should have just gone to my local branch. When I explain my situation to them they always respond that it isn't their fault the process takes so long and to send a check the day I recieve the bill. Unfortunately, i get it two weeks prior to the due date so Im screwed. So I also tried to pay over the phone using my debit card. And get this, the only way to pay over the phone is if you are over 15 days late and you've already been sent to collections.

And to top it all off, two weeks before christmas i recieve a letter in the mail saying that my credit limit has been cut in half. Now this is a real knee slapper, they tell me this after i do all my christmas shopping, and after the cut i was 300 dollars over my limit. That day i also found out that I accrued over a hundred dollars in overage fees due to the credit limit reduction. Not only that they wanted me to pay 400 dollars by the day after christmas, that was my minimum payment. So in order to pay them i was forced to make the decision on what gifts I should return and who I could not buy gifts for. And when i begged for a month extension and they told me there was nothing they could do and that i shouldn't have spent so much money on my card. BUT I WAS 400 DOLLARS UNDER MY ORIGINAL LIMIT. And the worse part is i cant close any of my accounts with them unless i go into one of their branches. I personally feel sorry for any one who attempts to do any kind of business with this company and I was they fall harder then fannie mae.

this company has costed me about 3000 dollars since ive been with them

If they would have substracted the checks in the orderthat they were presented to the bank then I may have only had one or two at the most overdrawn. But NO they withdrew the highest amounts first so that they would then put the smaller checks into overdraft and charging my account $37.00 each for 5 overdrawn checks. Which totalled $185.00. They had the nerve to charge me $37.00 for a $2.50 check. I called Fifth Third customer service at 800-972-3030 and I could not believe when the agent told me. She said that their practice is to take the highest amount checks out first then proceed to the lowest amount This way they put the smaller checks into overdraft so they can COLLECT more overdraft fees for the smaller checks. These checks would have been covered if they would have subtracted the smaller checks as to the order that they came into the bank.

This practice has cost me over $500.00 over the past several months. That is because once you overdraft and your account is in the red they then tac on their overdraft fees which puts your account into further overdraft and causes additional checks to overdraft. I honestly do not know how they can legally get by with ripping people off with this practice.

I contacted the customer service over the phone. The repersentatives told me including the customer service supervisor that she was not able to over ride the branch manager's decision!!! She promissed me that she would call the district manager and call me back in 48 hours. She never did. I left here three voice mails and she never called me. I asked the customer service to give me the address for the main office and they couldn't find it?!

I lost 132.00 for no reasons!

I checked my balance the other night to see where I stood financially. To my shock I had over $200 in my account. I thought it was odd but figured I'd just did my math wrong after paying bills (i suck at math)so I went out and got a few necessary things. I go back today to check my balance and I have a balance of -$19.66. WTF? I went inside to figure out what happened and there was a snoody ugly woman in there with braces and she kept giving me this attitude. On top of that, she told me I would have over $100 in overdraft fees because I used my card 3 times. This is insane!

I do not know what I'm going to do yet. I can't afford the ridiculous charges. I mean, for chrissakes, I'm only 19, I have a baby and bills, my son turns 1 next month, I have 1st birthday pics to get done, xmas, rent due. Its crazy.

I won 53000 reward points in a scratch off promo. and could claim them If I applied for a 5/3 master reward card. I did. I was denied, and was referred to a triple advantage credit reporting group (which is another SCAM). I have NO outstanding debts and excellent credit. I have written several times and received no response. My local branch just said, Sorry, It's over.

Well, it's about to be ALL over. It's amazing to see all the offers that I received when I called other local banks and asked what they would GIVE me to transfer all my accounts from 5/3 to their bank.

I have a Morgtage with this company. ( Fifth Third Bank). Some how a women named LEAH who works in a different department called me. Stating my Morgtage came with a credit and ask if i received it... I told her no and i wasn't informed about this from my mortage broker. She insisted that it was sent and should be received within 3 to 5 business days. I also ask Ms S to send me a letter regarding this card...

A week later i received a letter stating i was declined the card and to contact the credit Bureau... Ms Leah has called to cross sale a product from her company. She has lied and applied for the card while i was on the line. but never asked my permisson and assured me it was included in my mortage and how i should have received it. I now have another credit inquiry on my report in addition to the that cards I applied for myself.. I have plan to purchase a vechile in February and this is going to effect my possibilty as a loan canidate. I am Hurt and upset. I need help .

Damage my credit report.

Although I had the funds in the bank they charged me overdraft fees and as I kept putting funds in the bank they kept charging and as an end result I ended up with $544 in overdraft fees. Also their policy is to pay the largest item and charge overdraft fees on all the smaller items. Which I have never heard of a bank doing.

the result is that my account is being closed and I am out 544$

The bank charged me $440 for an 18 cent overdraft. There were some purchases pending on my debit card. The banks actions are inconsistent do to a software program that determines how to maximize bank profits. The bank ended giving back $150 but they still owe me over $100.

I believe mistakes like these are common place on the banks part and I am taking them to court.

I don't know if this is legal, but since it takes them many days to send a notice, and keep racking up charges, what would anyone do if they didn't get or read their mail?

I have tried for almost a year to get a title from Fifth Third Bank for the Four-Wheeler that I purchased from them, that has been paid off since 11/06/06. Shortly after I bought this Yamaha, a gentlemen from Fifth Third Bank repeatedly called me wanting the title for it, which of course I never had because it was being purchased through them. The only thing that Fifth Third will send to me now is the Lien Release for the loan on the Yamaha . (So far I have received four of these).

I need the title from this bank in order to get a sticker from the License Bureau. The Bank keeps saying that the License Bureau is where I am supposed to get the title; the License Bureau says that the title has to come from the bank. Since I work and also attend college, this has become time-consuming but necessary issue to resolve.

My 18 year old daught had an overdraft on her Fifth Third Bank card in the amount of $ 2.89. We attempted to cover it plus penalties immediatly but ended up getting charged over $200. We attempted to settle this with the bank, but were tossed back and forth between the branch office and corporate office.

This bank is the worst bank ever. They go out of their way to find opportunities to charge overdraft fees. I currently have three accounts with them, and I have been charged overdraft fees even when both of the following occurred: 1. I had money in my other accounts to cover the expenses and 2. I transferred enough money from one account to the other account to cover the expenses the SAME day the expenses occurred. I have called to complain about this to no avail. The two times I have called about this, I have been given different explanations as to how their policies justify their actions. The last time I called to complain about this, the customer service representative hung up on me.

I am closing my accounts and switching to a new bank ASAP.

$33 for each transaction that occurs. Thus, if 5 transactions occur and a deposit is made THAT SAME DAY to cover all transactions, an overdraft fee of $33*5 will be charged (a total of $165).

Fifth Third Bank charged me an overdraft fee for a pending charge that had not yet actually posted to my account. I had been informed by Fifth Third employees that as long as a deposit was posted to my account before the pending charge posted then my account would be okay. A week ago I used my debit card which created a pending charge. I made a deposit on the next business day and my account looked as though everything would be fine. To my surprise I incurred an overdraft fee of $33 because the pending charge created an overdraft although it had not posted to my account before I made the deposit.

I called customer service and was told there was a policy change in January and that I got notice with my statement. The problem with that is I don't get statements mailed out to me because my account is web based . Then I was told well it should of popped up on the website...it did not. I was told that online it shows your balance including pending transactions.

The problem with that is the balance doesn't include the overdraft fee that you are being charged, so it is not showing your actual balance as they claim. It is conveniantly misleading. The $33 fee that I had know idea that I was being charged then caused three very small dollar items to bounce thus in addtion to the origial unjust fee I now have three more fees for $33 each. Then they charge an additional $6 a day over the limit fee. The fees are snowballing to over $200 dollars which is a rip off of the consumer. There was no proper disclosure of the changes in policy and if a pending charge is going to be treated as if it posted immediately then the fee should be disclosed immediately as well, giving the consumer the chance to eliminate the snowball effect.

If I had known that their policy changed I could have added the additonal $33 dollars but to charge more than $200 dollars to make a customer aware of policy change is unethical. How does the government let these institutions take advantage of it's customers in this way? Are banks regulated by disclosure laws? If so how are they required to notify customers of changes and how far in advance? Most customers live paycheck to paycheck and unwarranted sneaky unethical fee schemes like this should be against the law.

As I stated above the fees have swelled to more than $200 because in their words they were doing me a favor by allowing a charge to go thru on my debit card and I must pay for borrowing money form them even though I made a deposit to cover the amount before it actually posted. There is no way I can afford to pay these fees. Their solution is to refund one $33 fee and one $6 fee for a total of $39 dollars...after creating this snowball effect

I fell into default in my car loan with fifth third bank (45 days) and they repossessed my car on 12/15/06. I contacted the bank, and made my payments current on 12/19/06. Since this point, it has been a nightmare. Originally, the car was taken to Hammond, IN, to be held at the repo lot. After I made the payments current, the car was sent to the Greater Chicago Auto Auction. After numerous phone calls to the bank, I find out the car is now at the Kansas City Auto Auction. Keep in mind that my payments are still up to date. Every time I have contacted their customer service number, I have gotten conflicting information. The bank kept telling me to contact the repo lot, which in turn, told me that the bank directed them to bring the car to the Greater Chicago Auto Auction.

I kept getting told to wait three to five business days to have the release for the car signed and returned by the Greater Chicago Auto Auction. Well, after waiting for almost a month to get my car back, on 1/17/07 (today) I am told that the car is at the Kansas City Auto Auction, and that I have to contact them. I am also told that my next payment is due 1/20/07. After all of this frustration, I told the bank that I am not making this payment to them, because I have gotten the runaround for the past month on the whereabouts of my car.

This has been a total nightmare. I refuse to pay for a service which I am not receiving. I will never do business with this bank again, and I advise anyone that is considering doing so, not to. I feel like my car is being held hostage, even though I am current on the payments. Both the repo lot as well as the Greater Chicago Auto Auction have told me that this isn't the first time that they have seen Fifth Third Bank do this type of thing to someone.

I have been deceived and lied to about where my car is, and despite being current on my payments, I am getting the runaround. I have lost time at work as a result of having to constantly pursue the situation.

Out $45.00 and interest.

I closed my account with Fifth Third, using figures given to me by their customer service rep. The next day, a $2.54 cent charge came in. They charged me a $33 overcharge fee, although the account was supposedly closed the day before. I called the bank and no one there would admit to having closed my account, and they couldn't figure out who did it. I agreed to put the $2.54 in the night deposit that night, and be charged no service fees. I did so, but it never got credited. I started getting letters with ever increasing fees, daily overdraft fees, etc.

No matter how many times I called, or how many letters I wrote, they never had any record of any of it. Finally, I got a letter saying they had closed my account and tuned me over to a collection agency. I recently got a letter from the credit collection agency with a $96 charge!

Being turned over to a credit collection agency will harm my already stressed credit, and make it impossible for me to open an account in another bank. I would like them to remove me from the collection agency and restore my credit.

Overdraft fee of $132.00 making my balance a -$163.22

Within a week our account has had two unauthorized withdrawals from our checking account. The first incident was noticed when I happened to look online at my acct. statement. It showed a withdrawal of $2,000. No check #, no location or name - just a withdrawal. This withdrawal left us without any funds to pay for checks or other payments that needed to be paid. After a day of arguing, pursuing the issue, etc., the bank agreed to put back the $2,000 until they could locate the paper trail to see why $2,000 was taken out. They found out the next day it was due to a teller error who had written a wrong account # down.

All was put back to normal. Until today. Less than a week later I check my online statement again. ANOTHER $2,000 has been withdrawn from our checking account. It was another listing which doesn't show where, when, or whom this withdrawal was requested. After calls to the branch office we were told that they cannot call the service office to request information because they are told not to use the phone, but to email requests. They advised us that they have sent several requests, without a reply. In the meantime, our account is overdrawn again and the bank shows 4 items listed as overdrafts and notices going out today. What can we do to rectify this continuous problem?

Currently the consequence is just time loss - time spent on the issue instead of doing our daily jobs. If the issue isn't resolved immediately, there will be businesses that will have returned checks (with costs associated with that), overdraft notices to pay, and our reputation is at risk.