Consumer complaint received 2016-08-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Fifth Third Bank wrongfully charged me {$110.00} in overdraft fees during the week of XXXX XXXX, 2016. Specifically, on XXXX, I deposited via mobile deposit XXXX checks, XXXX for {$790.00} and the other for {$500.00}. Although XXXX checks were made payable to my son XXXX, he had properly endorsed them, and had written under his endorsement " Pay to the Order of XXXX XXXX ''. I then endorsed them. The next day we were traveling to return him to college. Since the checks were properly endorsed, I was surprised the next day to see that they were removed from my checking account. We stopped at a Fifth Third Bank along the way, and physically deposited the checks ( shown as XXXX deposit of {$1300.00} ). I spoke with the teller, who told me that the checks were taken from my account because of Fifth Third 's concern of fraud. I wish to note that I have deposited checks made payable to my company to my personal account without ever an issue. The teller checked, and said that our son XXXX information was stored on the Fifth Third database. Further, I was not given any notification that these checks were removed from my account. I only knew because I had checked my account. 
Since the checks were properly endorsed, and Fifth Third had information about XXXX, and I have previously deposited checks made payable to XXXX XXXX XXXX XXXX without incident, I believe that Fifth Third wrongfully removed these deposits from my account. Had the deposits remained, I would not have incurred the overdraft fee of {$37.00} on XXXX. I also incurred overdraft fees of {$74.00} on XXXX because the checks were " uncollected ''. Given that the checks had been properly deposited via the mobile app on XXXX, when they were actually physically deposited on XXXX, I believe I should have been given full access to all the funds immediately. 
I have tried to speak to Fifth Third about this, but the managers say they are unable to reverse the fees because I have had so many fees reversed in the last year. Yet, ALL of those fees were reversed because funds had been removed from my account by XXXX XXXX XXXX XXXX XXXX after I had revoked its authorization for electronic payments. Anthem did not oppose my dispute of the funds it had taken from my account. 
I also wish to note another {$74.00} in overdraft fees which occurred on XXXX/XXXX/16. Those fees should also be reversed. Please note that on XXXX, I had a balance of {$1100.00} in my account. On XXXX, I made a deposit of {$350.00}. The only checks which cleared on XXXX were for a total of {$1200.00}. Fifth Third adds {$100.00} from the deposit so the amount that Fifth Third considered to be in my account was {$1200.00}. So, I was charged {$74.00} in overdraft fees because I was short {$1.00}. The funds from that deposit were fully collected. I also complained about this overdraft, but was dismissed. I believe it is unconscionable for a customer who has been with a bank as long as I have to be charged {$74.00} because I was short {$1.00} from a deposit which is fully credited the following day. 
I am not rich, and these overdraft charges seriously affect me. I am asking that all the complained about overdrafts in the amount of {$180.00} be reversed, and the funds re deposited into my account. I am attaching copies of the account statements.

Company response to consumer: Closed with explanation