Fifth Third Bank Reviews

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.

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.

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!

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.

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.

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.

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.

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.

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.

That was the main reason why we wanted the car to be refinance—so we could keep the payment up. We have never been late on our car note until we lost our job. We lost every thing—our 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 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.

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!

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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!

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 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!

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.

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 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.

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.

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.

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.

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.

Back early in May, an insurance company settled and supposedly paid off 5/3 bank, however, the bank now says we owe $134.19 in finance charges. The person who called last Sunday morning threatened to turn me over to collections and also my credit would be affected. I told the person that I'm unemployed and she needs to talk to my son about paying the finance charge. Moreover, my son is also unemployed so it's obvious that I will have to eat the bill. It doesn't seem right, how these people do business as money is hard to come by. Is there a way out of paying these people and letting 5/3 bank have the satisfaction of me giving in. Fifth Third Bank made a lot of money off the vehicle. Furthermore, the vehicle was reprocessed in May 2008. I had to take off from work and drive to another state and pay $193.50 to get the car back. The money (payment) was there at the bank and they said they couldn't find the money. The car was seized as Tim was having the car serviced. Please use this writing, as maybe it could help someone else. Contact us if you wish and this nightmare will not be over anytime soon. Thanks for any consideration.

On Monday June 7, 2010, I went to Another Bank and Fifth Third Bank to dispute these withdrawals. Both banks informed me that I had to wait until June 8th to dispute the withdrawals due to the fact they were still pending. The banker at Fifth Third 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 Fifth Third, 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 Fifth Third 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. On June 22, 2010, Another Bank had given me a provisional credit of $453. I went to Fifth Third 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.

On 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 used 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 unaware 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.

On June 23, 2010, I was called by the customer service call center. I called back, spoke with a Megan about 2:15 pm. 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 5:15 pm that day.

On June 26, 2010, I called customer service at Fifth Third 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 Fifth Third bank and spoke with the banker Elda, who was the first banker I spoke with at Fifth Third 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 Fifth Third Bank, so that I communicate with the one branch I opened my account at. I am being called by Fifth Third 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 due to the overdraft fees they add on daily.

The customer service rep was very rude. So I asked to speak to her supervisor who was even nastier than she was! So I was supposed to get another unemployment payment today but they took that also. Now I don’t 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 ridiculous and they are charging me $33.00 for items I paid for that they are now claiming they paid! If I knew it would be this way, I would have never even dealt with them. Needless to say I’ve 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 I’ve paid for but somehow they turn it around to say they paid for it! This bank needs to be closed; it’s I live off of unemployment and I receive 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 don’t have any money to pay bills or do anything.

On Sunday, those purchases were pending and the money was taken out of my account. On Monday, Fifth Third charged me an overdraft fee for all the transactions from Saturday. One transaction was a withdrawal from a Fifth Third ATM. I used my pin number with most of the other Saturday debit card transactions. I received a receipt with an approval code. I don’t 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 Fifth Third. I could not afford to pay them. I currently owe approximately $700. I would like to be apart of the class action lawsuit filed against Fifth Third Bank.

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.

That night, a check in the amount of $273 (which I had forgotten about) presented which put my account into overdraft. Fifth Third charged me 3 overdraft fees in the amount of $33 each, for a total of $99! There were verified sufficient funds in the account to cover the $8 and $12 transactions before they took place.

I called the bank and agreed that I was responsible for the $273 check and was willing to accept the overdraft fee for that transaction. As a single incident, the fee should have been $25. They would only reverse one of the charges, resulting in 2 remaining overdraft fees for $33 each.

Obviously, this cost me $66 when it should only have been $25. It feels almost silly complaining about $41 but the original charge was $99 and it seems this bank's system is specifically designed to cause this type of situation.

So, I basically paid double for the debit, which money was in the account for the debits and a return check fee. From reading other complaints this is the banks practice. They pay the big items first. This is garbage. The money that you had in your account to use the debit to me was set aside to pay for. This is a bank that I do not see how they stay in business and treat customer bad. No customer service at this bank at all. Do I need to say more? Oh, however I will say out of all the fees that where charged I was able to get 74 of it back. Wow. That’s really saying a lot for this bank. Bad feeling about this bank. If you have an option to choose another bank I would. PSS. Look at their stock mmm. Economic hardship. It cost me $251 dollars. When things are tight already this kind of issue just put things even more of an economic hardship. Cannot even make ends meet now. This just makes things worst.

On May 28, I used bill pay from my new bank to pay my Fifth Third Mortgage for June. I live about an hours drive from Fifth Third's closest branch. On June 3, they called and wanted to know where my June payment was and I told them they would receive it on June 4. On June 4, they called again and demanded payment for June even though it was not technically late. I called their toll free number to complain about the second call and discovered that their collection department was located in the Philippines. I could barely understand the person I talked with and he wanted all types of personal info that the bank already had on file. I have been banking with Fifth Third Bank for many years and they have changed drastically during the last several months. They put fees on top of fees.

I finally talked him into closing out his account yesterday. Here is the latest scenario. He deposited his work check on Saturday, May 29th. As usual it didn't post right away. I never understood why they did this, but I have worked there some years ago and I think back then it had something to do with them not being "online", therefore, the transactions don't post right away. But with Credit Unions and even another bank that I am banking with right now, I have never experienced a problem with them holding my checks for any amount of time. Unless, of course, it's some sort of loan check or a large personal check or a large check issued out of another state, etc. Usually my experience has been once I make a deposit, it shows right away in my account, especially with local "well known" business checks. I don't understand why they don't post them right away.

But even if, the amount shows "pending" in your account. So, why penalize someone for a fee(s) when it's apparent that they have a credit waiting to post the account? Fifth Third would rather clear your debits, checks, etc. before posting the check. Then they turn around and post the check right after you hit the customers up for multiple overdraft fees. They could have simply posted the check first if they cared about a business-customer relationship. Apparently they don't. Anyway, back to what I was saying about the latest situation. Before he deposited his check he had money in there enough to cover some debits that he made over the weekend.

Of course because of the Memorial Day holiday ,the bank wasn't open on Monday.So over the weekend, he used his debit card three times. Mind you, he had the money in there to cover these three charges. He has an automatic debit being pulled from his account on the last day of each month from a credit card lender. Again, because of the holiday, the debit payment wasn't set to clear until the first business day after the holiday. So, yesterday, he went to the bank to deposit another check from his second job and to withdraw money out to pay on his rent, only to be surprised that his balance was considerably lower than he had calculated. So he asked for a printout of his account.

It turns out the three smaller charges (according to the statement) cleared first. So, of course, his actual available balance showed a decrease after each transaction. After those clearly already cleared, the 4th and largest transaction tried to clear. Since they hadn't posted his check, yet that transaction bounced. Although I still do not agree with their process, I would understand if he just got charged the one overdraft fee. But to his astonishment, they then turned around and pushed that transaction through before the other three (after it clearly showed on the statement that the other three cleared first) and he was not only charged with one overdraft fee but four totaling $148!

Now, please, someone tell me how that business practice is ethical? You would think that they would be more concerned with how to alleviate as many overdraft fees as possible to keep that business-customer friendly relationship, by making sure the smaller amounts cleared first. But no, instead, they did the total opposite. They lost a customer b/c of how they operate. Then when he talked to the gentleman to close his account, my boyfriend asked how that occurred when it shows that the other three cleared first. The bank employee told him that what the bank does is take the largest transaction and clear it first, which in turn bounces all the transactions and you get hit with a fee for each one. But theoretically, that makes absolutely no sense at all! I bet you that had he had the money in there showing available and enough in there to cover any transactions and the same situation would have occurred, that they would have posted the transaction exactly how they came in - the smaller ones first and then the one that follows (which in this case is the larger one). I mean, why would they switch it around if the money was available? Oh yeah, that's right. They have no opportunity to make any money off their customers in that situation.

So why even bother? I know this was a lot of information, but I have been bothered by this since yesterday. They reimbursed one of his fees and I feel like that's only because he caught on to how backwards their practice is. They really should have reimbursed 3 out of 4 of those fees. Well, considering that the three debits, credit card payment, and check all posted within minutes of each other, I think he should have gotten all 4 of the fees reimbursed. They should have posted his check and then cleared all the debits. That would have been the logical and ethical thing to do.

In conclusion, he told them that the next time he opens up an account at a bank he is going to have a clear understanding with the bank what their guidelines and policy are. He wants it spelled out in black and white so he is not hit with something new that he didn't know every other month.

The bottom line is, Fifth Third is more concerned about their pockets than how to serve their customers reasonably and to keep them happy. They are absolutely the worse bank to deal with. As another posting that I read from another dissatisfied customer regarding Fifth Third's practices stated "Their name is only a fraction. Therefore, they only do a fraction of the work. " I think that summed it right up.

Now, wait a minute. Callen stated on Monday the account was in good standing. I went to that branch again and I and my husband talked to Callen. He said the fees didn't show up until May 26th? By the time this is all done and said, I am in the whole for $52 and the $20 check that was deposited. I ended up speaking to a manager Ryan **. He told me my account is handled by the Stadium District branch where I never opened my accounts, but he could fax over my fee refund request. Okay, so my husband brings in $52 within 2 hours of my meeting with Ryan **. He waits in the waiting room for half an hour and Ryan is busy with a customer.

So, I leave a message for Ryan yesterday at 1pm, no response. I emailed Ryan this morning with no response. I call again today at 2pm and Ryan is still busy. They all make excuses for each other at this branch. Like he hasn't had just 1 minute to call me back or email me, but I guarantee he got to eat and use the bathroom, socialize a little. Don't give me that, I used to work Customer Service where we had to respond within 1 business day. Whatever happened to good customer service? I even told him I was considering closing all 5 of my accounts, and he along with the other manager acted like they cared, they only said before I do that, I need to give them $52 (taken care of yesterday).

They just want more money! I guarantee if I called saying I wanted to invest a million dollars right now, Ryan ** would call me back or get on the phone right away! Not only that people, look at Fifth Third's rating! It is scary low! I am going to close all accounts now, I have had it! I'll take my business elsewhere! Oh, by the way, I got my courtesy call that the account was overdraft yesterday from Sandi at my original branch around 3pm after they made $72. Isn't that nice? In the hole $72 over a .60 cent overdraft. I cannot get a return call from Ryan ** or an apology.

The next day, I noted that the charges were still pending but I had been charged over $200 in overdraft fees. When I called the bank, I was told that I was charged these fees because if the pending charges had gone through, I would have been short in my account. I said that I wanted to dispute the charges but was told I still couldn't. After speaking with a supervisor and telling him that this practice was unethical, the charges were reversed. The next day I was charged $39.00 in overdraft fees and had to go through the same process. The charges never went through and finally dropped from my account.

This past Saturday, I deposited a check and made some purchases. I checked my account on Monday as I normally do and found that I was in the positive. Tuesday morning, everything from the weekend posted including the check that was deposited Saturday and I was still in the positive. Today, I found that I have been charged $296 because they made only $100 available to me on Saturday and although everything was processed Tuesday morning after midnight, Fifth Third wanted to say that I would have been short Monday because they had not released all of the funds from the check deposited on Saturday.

I'm finding that Fifth Third assesses charges based on "if's" and not actuality. This in addition to rude customer service personnel are totally disillusioning me about this bank. (I had one service representative tell me that I needed to use a bank log to keep track of my charges which I already do and another tell me that I do not check my account as regularly as I do. Both were extremely rude.)

A few days later, I called their repo department and was laughed at by the person I talked to. She said, "no way will we repo for under $500, we will write it off". This made me mad. So on April 24, I called Fifth Third and cancelled the check and they said okay, we will record that. I said we weren't paying 4 months after the fact. 2 weeks ago, we received a paid in full letter and our title! But this isn't the end. 3 days after we received these items, we were contacted by a collections department telling us they would repo for $137 or pay and get the title. We told them we have the signed off title and payoff letter. They told us it was fake. We laughed and hung up.

They continue to call and harass. We have an attorney involved and now Fifth Third, instead of using a second party collector, called yesterday demanding we call. We have the title and the letter stating we are paid in full! What is their problem? I can't stand these people, they terrorize people. Okay, I'm a taxpayer and bailed them out. Write off the $137 you claim we owe!

She told me she has 19 years of experience and that the programs are only for the Fannie Mae and Freddie Mac loans. I then asked Kim why Fifth Third was not participating and on three different occasions, she picked up a stack of applications and replied "Do you see these? They are all Fannie Mae and Freddie Mac applications. You do not have one of these loans, so you do not qualify." I left the bank, go to the website makinghomeaffordable.gov. Then click on about, then click on frequently asked questions. Question #18 is "Can the Making Home Affordable Program help me if my loan is not owned or guaranteed by Fannie Mae or Freddie Mac?" Yes. The Program helps homeowners who are struggling to keep their loans current, or who are already behind on their mortgage payments. By providing mortgage loan services with financial incentives to modify existing first lien mortgages, the Treasury hopes to help homeowners avoid foreclosure, regardless of who owns or guarantees the mortgage. Then, I called Kim at the bank to explain what I had already knew, since she has 19 years of experience and she told me we are not doing a modification for you.

At this point, I do not even care about the modification. I am now upset that the Fifth Third Bank website and news media is falsely advertising that Fifth Third is doing these modifications, when in fact, they are only doing the Fannie Mae and Freddie Mac refinances and modifications. Fifth Third is using its own program called "You Have Options" for their own bank loans and my modification consisted of lowering my interest from 7% to 4% for 1 year, then 5.5% for 1 year, then back to the original interest rate. I am grateful that I received any help. However, Fifth Third is not using the government part of the modification for their loans.

Before I met with Kim, I was told by Max to sign in on a log sheet that was lying on the desk. The log sheet had two other names above mine, their phone numbers, and their appointment times. The log sheet was being used for just customers that had received a personal UPS delivered letter regarding mortgages. I find it embarrassing that everyone in the bank that day could see each others personal information and this would be violating Fifth Third's privacy policy.

Now let's say on Saturday you go spend $2 here, $3 there, and so on. Early Monday morning, before the banks open up, you take out $150.00 from the ATM (and it lets you take it out), but now your account is like, let's say, $20 overdrawn. On Monday night, when all this crap posts to the account, it shows the $150 ATM withdrawal up at the top of the list, and all my little $2, $3, $10 charges under it. Now I know what I spent and where, and I am OK with the every now and again charge of $37.00 that should come out because I am human. I do make mistakes!

But I am not OK with them paying that $150 before all the little charges come through and adding a $37 charge on each $2, $3, $10, or whatever the case may be. In the last month or so, I have given them over $1000.00 out of my checking account. Well, I have not given it to them; they just took it! Then when I call to talk to them, they just say that they pay the big items first then they pay the small ones. And my statement proves it. So since when does time stamps not matter? Since when does it matter that I spend $10 on Saturday but on Sunday I spend $50, and the $50 gets paid before the $10? That does not make sense to me!

I didn't pay much attention to the account because I was busy in figuring out how to keep my home afloat. They charged me repeatedly over two months then closed my account. I know banks frown on being robbed but they just did it to me. I would have rather them send knuckles to break my thumb, instead of charging me over 1000% interest.

This kind of thing is out of hand especially in these hard economic times.

But then Paul, who is supposed to be some sort of executive to the president of the bank, stated that certified mails are handled differently from regular mail, meaning the United States Postal Office seems to put a priority on sending certified mail first vs. snail mail with a regular postage of $.44. So, is he telling me that the United States Postal Office gets to choose when they want to send out the mails? Anyway, I then contacted the United States Postal office to get answers. They laughed and said nope. The time frame for certified mail and regular $.44 cents are mailed at the same time. There’s no difference at all. Who is lying now?

I have 2 years of proof of this crap that has been happening to me. I have been certifying all my payments on a monthly basis. Meaning, I spend about $3.44 a month just to make sure that my payment is on time without being late. For example, if my due date is on the 10th of every month, I need to send it on the 6th or 7th before the due date. This must be done on certified mail or else it will be late because according to 5th 3rd bank, it can take 7 days or so to process and post payments. Is that my fault then or what? Do they just let payments sit in a stack of piles because their work is too back up? Anyone out there, if you experience this, please let me know. Should I pursue a class action lawsuit then or what?

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.

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.

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.

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.

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.

"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."

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.

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.

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 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.

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.

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.

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.

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!

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.

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 01/22/10, 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.

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 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.

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 incur 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. If you plan on doing such, send the complaint to 5/3, Complaint Dept., 38 Fountain Square Plaza, Cincinnati, Ohio 45274, 513-579-5300. Maybe if we all start suing them in small claims court, someone will take notice and stop their blatant theft from hardworking Americans!

The next morning, on the 8th, the money that I transferred over from my savings was still listed as a pending transaction while the expenditures I had made on the 7th were now applied to the account. This left my ledger balance in the negatives. The items were arranged in order to maximize 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 ensure 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 7 pm. First off, I thought this was 24-hour banking. There is absolutely no reason for that policy except to maximize profit at the consumer's expense. It's 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 can't afford it. It's 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 ensure 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 employee's dinner, or a service rep has to get out of bed to complete my transfer, it's 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's dishonest and completely unfair. Now 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 lawsuit against these thieves one day. The way they treat their customers 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.

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 few weeks leading up to Christmas! I hope all of that extra money lining their pockets keeps their greedy hands warm.

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?

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 within 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 was 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 something. 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. Maybe can also mean maybe 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 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. No one can figure out how the mechanics deposit cleared his own bank and got to mine and cleared before the deposit showed up.

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.

Fifth Third, on the other hand, 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!).

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 much problems when you want to apply for something simple. Had I known that Fifth Third were this insensitive to the needs of its customers, I would've never agreed to accept one dime from this institution. I DO NOT recommend this bank to ANYONE. They are absolutely HORRIBLE.

Isn't customer service supposed to be service for the customers?? How would you all like it if someone treated your mother that way? I would hope you have enough respect for her to care, because you sure have none for anybody else.

Well, I have my original 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 $42127.80, monthly payments of $638.30, for number of payments 6(e). I am assuming this is six years. And through my conversations with customer service, I have argued that my loan was to be paid off in 66 mo. and they have told me no, it was 72 mo. 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 an interest of 4.9% and now the interest is 11.9%, the reason being that they state my account has been late since 12/06 after I called in Jan. 07 twice to make sure my account was up to date and I paid $811.73 to do this.

It clearly shows that I would pay the extra amount 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 already 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 cannot bring myself to give them one more dime of my hard-earned money.

These ** are charging me $6 per day (and counting!) until I get this account balance in the black!!! In 3 days, I now owe them $60!!! This practice should not be legal! Somebody needs to do something about this! I banked with First Charter Bank here for 17 years, until they were bought out by THE FIFTH THIRD CROOKS! NEVER had a bit of a problem with First Charter, but NOW, it's nothing BUT problems! All of my friends have already dumped this bank because of their HORRIBLE BUSINESS PRACTICES. AND I'LL BE NEXT! Don't do business with these crooks!!! They’ll rape you with charges! I'll be closing this account out ASAP! AND GOOD RIDDANCE TO YOU, FIFTH THIRD! You really suck!

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. Unfortunately, I was too 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 of people who work at the headquarters seems 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 that the process takes so long and to send a check the day I receive the bill. Unfortunately, I get it two weeks prior to the due date so I'm 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.

To top it all off, two weeks before Christmas I received 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 did all my Christmas shopping. After the cut, I was $300 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 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. When I begged for a month extension, 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 UNDER MY ORIGINAL LIMIT.

The worst part is I can't close any of my accounts with them unless I go into one of their branches. I personally feel sorry for anyone who attempts to do any kind of business with this company. I wish they fall harder than Fannie Mae.

I called Fifth Third customer service at 800-972-3030 and I could not believe what 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.

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

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.

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).

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 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.

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.

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.