Consumer complaint received 2023-07-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I called Fifth Third Bank at XXXX. I attempted to close my bank accounts. I had XXXX accounts, a personal, a business and a savings. The agent told me I had to empty the accounts to zero before they could close them. They also told me I had to go to the Bank XXXX XXXX XXXX to explain why I wanted to close because this number does not handle business accounts or complaints. 
On XXXX, I went to the bank and found there was construction. I parked a block away and as an XXXX XXXX XXXX handicapped person, I walked to the door to find a note stating the lobby was closed. 
On XX/XX/XXXX, a payment was completed by XXXX XXXX to XXXX XXXX. I never autorized the payment and the credit card number was charged from a 6 month old form I had filled out to XXXX. I was Never notified about this payment, I never got a text as I was supposed to and I never was given the opportunity to deny it. 
On XX/XX/XXXX, I discovered the charge on my own, as well as the fee of {$37.00} charged against me. I called Fifth Third and was told there was nothing they could do since I had an overdraft authorization on file. I immediatly told the agent to cancel that and they said they could NOT. 
On XX/XX/XXXX I saw the situation had Not been fixed and I deposited {$850.00} to cover negative balances. Again I called the banking center and was transferred to the business account center. I was told they had also had a withdrawal against my business account. I said there were sufficient funds to cover all of that and to close my accounts. I was told the accounts would NOT be closed until the check had cleared and all accounts had a XXXX balance.. It was then I discovered they had charged an additional {$49.00}, {$37.00}, and {$25.00} on this account as well as {$72.00} and {$8.00} and {$37.00}, and {$16.00} and {$7.00} and {$11.00} and {$11.00}, and {$11.00} and {$8.00} on XX/XX/XXXX and {$8.00} on XX/XX/XXXX. 
By calling XXXX more times between XX/XX/XXXX and XXXX, I was able to get XXXX of these charges reversed. 
My deposit of XX/XX/XXXX is being HELD since then, even though it cleared my external checking account on XX/XX/XXXX. They are still adding daily fees and refuse to answer me or fix the problem. 
This entire p [ roblem arrises from Fifth Third Banks problems as ; XXXX XXXX paid a charge as an overdraft without notifying me. 
XXXX XXXX refused to close, freeze, or act on the problems when I asked. 
XXXX The system is automated and every employee says they are not empowered to fix the problem I need clarification on why my check is being " Investigated '' so long, and clear instructions on how to close these accounts and a stop to XXXX written letters from Fifth Third threatening me with " Further Action including reporting me to the credit XXXX and taking action as appropriate to collect these debts. The latest letters were recieved on Monday, XX/XX/XXXX at XXXX, XXXX letters.

Company response to consumer: Closed with explanation