Consumer complaint received 2023-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Between XXXX thru XXXX I had an excess of XXXX declined transactions that were captured after the soft declines took place. I having fund 's, wasn't able to make purchases from an online casino. Assured the declined transactions would fall, they were captured instead. 
And the snowball came rolling, as I opted OUT of overdraft protection and yet 5/3 Bank added fees to the declined transactions that were taken. And that piled up and piled up. 
I contacted the merchant and learned that they for 24 hours locked up my card. Which had they not stolen my declined transactions that probably would be fine. But my statement read on the XXXX, XXXX XXXX XXXX of all have excessive charges and added overdrafts Bec the process of the whole swipe. I from opening my account and insisted that I a first account holder didn't want overdraft protection. That I was new to banking and could not handle or want the Open door that could lead too ( XXXX ) so I've seen and heard overdraft protection woes. 
I needed the account so I opted out. Somehow they charged me fees in excessive amounts. So a {$2.00} dollar declined transaction was added XXXX XXXX in excessive amounts. Reoccurring day after day after day. The bank has treated me like a criminal and doesn't give me but ridiculous run around insist on me idk, I just know that when I leave my bank I feel stupid and they discriminate against me to a temporary card offered to " XXXX XXXX and I was told they didn't have any. I've tried to contact the merchant and that's how I learned the 24 hours locked from purchasing coin 's. So I don't understand why my bank saw the soft declines and kept my money that should have fallen to be infact recapture ina revenue recovery process. The bank just added XXXX 's of dollars on weekends yet I never let my count draw negative as it would decline if I opted for no overdraft. Because of my daily use ( never again ) the bank added fees I didn't ask for or opt for upon opening my account. So why did they add the fees? And the common courtesy of deposit my cash deposit before they added illegal fees to my account. The fact that they treated me like a criminal and discrimination towards my lack of knowledge of the master card policy and the legality of the overseas casino, and the bank allowing the declined transactions to be forced and captured anyway. Is fraud and I had no idea whom made the purchases as to my purchase was declined for detail information entered wrong try again or contact customer service. XXXX declined transactions were stolen from my account, the Bank added fees I didn't opt in for and I'm sick to my stomach over this. I need to be made whole again. XXXX and I don't know what to do. I learned a lesson or two but one should not be in the like of XX/XX/XXXX and would rather bury my money then you ever let a bank do what this 5/3 branch located in XXXX KY, at the XXXX branch on XXXX XXXX XXXX, XXXX, KY XXXX I filed 1100 disputes but they were declined because idk why? They should have protected me money from recapture, they

Company response to consumer: Closed with explanation