Consumer complaint received 2018-09-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2018, I opened a checking and savings account with Fifth Third Bank. I opened the checking account with this specific bank because I recently graduated college and received a job opportunity where my current bank has little to no offices. I wanted a bank that had branches in my home state and new location as I stated when I opened the account. On XX/XX/2018 I also received my rent deposit check from my college landlord ( I am a recent graduate ) for {$500.00} and deposited it via mobile banking that evening. The check was out of state, since I went to college out of state. On Friday, XX/XX/XXXX, I received two letters from Fifth Third Bank dated XX/XX/2018. The first letter was a letter stating " Error in recent deposit '' Error description : " Non-negotiable ''. The letter also had my last name spelled incorrectly. No other explanation was on the check. The second letter I received on the same day, but was made out for XX/XX/2018, was a notice of account closure. In the later it does not state that it was the check that caused this it, the reasoning was " The activity that caused the account closure may be reported to an inter-bank consumer reporting agency, which could impact your ability to open accounts at financial institutions in the future. '' After receiving these letters I went to fifth third early Saturday morning, XX/XX/2018. I spoke with the same man who opened my account he said they probably just flagged the check being from another state but it will be taken care of by XXXX XXXX Monday, XX/XX/2018. I called him around XXXX XXXX XX/XX/XXXX and he said he was not having luck so he would have the branch manager look into it. I still was not given a clear explanation only guesses on why this was happening. I decided to call the 800 number given on the letter. I spoke with a customer service representative and she stated the check was NSF and the only way to get it all resolved if I personally got the my landlords bank statements and sent them in MYSELF to Fifth Third proving that she had the funds. 

I spoke with my landlord who contacted her bank and she does in fact have the funds. She asked for my banks contact information and her bank, XXXX XXXX XXXX, would contact Fifth Third. XXXX XXXX did contact Fifth Third Directly with the statements and stating the check was meant for me and my landlord had the funds. Fifth Third made NO EFFORT to contact my landlord or XXXX at all throughout any of this that I am aware of. 

I went into the actual branch on the same day XX/XX/XXXX, spoke with the branch manager. His story did not add up with costumer service. He had been also working on the case and was told that the lady she have just flagged the check and contact me directly before shutting down my account. He also said that since XXXX was contacting them that he would just need his regional manager to approve this and it would all be taken care of. 

On Tuesday, XX/XX/XXXX, I had not heard anything from Fifth Third and contacted the branch manager. The branch manager said he was waiting on a few phone calls and it will be taken care of. 

On Wednesday, XX/XX/2018 I still had not heard from Fifth Third Bank. I call the 800 number again. I spoke with a woman and she told me that everything I had been going through does not count. I had to be the one who delivered my landlord 's bank statements and XXXX could not be the one who delivers the bank statements. I told her I personally would not give out my bank statement that XXXX has already sent out a certified bank statement showing she has the money and the check was meant for me. After saying that she said XXXX would still have to send them to myself then I would have to send them to Fifth Third. I asked to speak with her manager and after being on hold about 30 secs was hung up on. 

After this I decided to go into the branch again. The branch manager told me he had given XXXX 's number and all the information to multiple people and was still waiting since Monday. I decided to close my account.

Company response to consumer: Closed with explanation