Consumer complaint received 2021-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First I would like to set some context for the overall mis-representation of XXXX XXXX that led me to originally transfer from my other bank.

Thru the ADP portal that I use to manage my payroll I received details about the ability to receive a XXXX  card / account ( XXXX  Card is issued by the Fifth Third Bank , National Association ). 

As part of the value-proposition XXXX ( Fifth Third Bank ) promoted the ability to receive my payroll 'up to 2 days ' early. 

This turned out to be entirely incorrect, and I constantly received the run around 'blaming the employer '. However I did consistently receive it the day of the pay-roll. 

Today however ( XX/XX/XXXX ) I woke up to NO PAYROLL in my account. Having contacted first the online agent support and then the call center, i received the run around followed my a strange reasoning that was no where to be found in any of the bank documentation. 

Namely something ambiguous that I can not find any any bank documentation about exceeding XXXX $ USD in monthly deposits. Now it is true that on XX/XX/XXXX and then on XX/XX/XXXX and then again today XX/XX/XXXX I received a payroll each totaling XXXX. 

However ( a ) I can not seem to find this any bank documents available online, have requested it and yet to received anything. ( none of the documents on the XXXX XXXX XXXX site under policy documents show anything in this regard ) ( a1 ) I have a XXXX  agent online ( screenshot available ) informing me that " it is not showing anywhere online, online internally ''. that this policy exists. 

( b ) I had to proactively discover this after the bank to my money hostage, was never informed ( c ) Once I was informed of what i needed to do, which is was to send proof of payroll stub to this site ( XXXX XXXX XXXXXXXX ). The site itself is not asking for anything to do with payroll but demanding XXXX instead. Seemingly to make it very difficult to actually process this. 

( d ) It is highly strange to ask for these details in the first place, when it is the same employeer paying the exact same amount and has done so many times into my account. Seems like a tactic to withhold my funds without reason then a legitimate ask given the historical data the points the bank has directly in front of them to validate the legitimacy of the transactions. 


Currently I have rent due today, with no funds available to me, without exact clarity when i will receive my funds, but seeming it could be Monday. Who then is responsible for my late fees? Do I have a right to sue under these circumstances? 

Finally this experience is compounded by the ongoing issues I've had with the chat system dropping on me in the middle of prolonged discussions, even currently I've been on hold for 90 mins waiting for an agent. Last time I was on hold a month ago the call just dropped after about 2 hrs. 

There is absolutely no accountability at this institution for anything. I believe there to be at best misleading marketing practices, very strange control of funds, horrible support infrastructure. 

Incidentally I have screenshots and recordings of everything above and can provide both here-in an upon investigation and request. 

I can only hope that there are people and institutions that can finally hold someone accountable for the unethical practices of this organization XXXX  ( Fifth Third Bank ).

Company response to consumer: Closed with explanation