Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Today on XXXX/XXXX/2016 I had a pending payment to State of Michigan coming out of my access checking through 5/3 for {$130.00}. I woke up at XXXX to see if the payment was taken out. i noticed the available balance was short. there was not {$130.00} in the account. i seen a monthly service charge for XXXX in the checking account. I am on XXXX. I get {$730.00} a month. I have banked with 5/3 since they were XXXX. i was XXXX years old. i am XXXX. I called immediately to the corporate office number at XXXX. the rep told me that my Access checking was switched to Essential checking for XXXX and there is a low balance fee of {$8.00} every month if i do n't maintain a balance of {$1500.00}. I asked when and why it switched to an Essential from the Access. the rep told me that they got rid of the Access checking in XXXX of last year a letter was mailed to me notifying me. I never got a letter and asked to speak to her supervisor. XXXX got on the phone. I asked for a copy of that notice. she said she could not produce that. she put me on hold for about 15 minutes. she stated that the notice was a pop up inside the online banking portal. she said if i did not click the terms and agreements to keep my old account it would automatically switched to the the Essential checking. I did not click those terms or agreements so on XXXX XXXX it made the change over from Access Checking with no low balance or fees to the new account Essential checking which does have fees. it was not revocable. there was nothing i could do about it. I told her i cant ever make a low balance of {$1500.00}. I was just in the bank on XXXX XXXX. I was told my Access account was grandfathered in and had an early access account tied to it. I asked to speak to XXXX supervisor. he told me that the pop up ad was a one time thing. then it disappears if i click off it. I kept asking when did it apppear? what was the time frame? how long did have to click it. can you give me a date that it was supposed to be popping up? again he said one day. one time. if i did not accept the terms and agreements to KEEP my Access Account it would change. i never seeen that pop up, therefore, it made the changes and switched to this {$1500.00} low balance Essential Account. IM VERY UPSET. i feel this is trickery. if they are going send terms and offers because they are switching my account it should be a legal document in writing to sign not a pop up ad for one time. if i was supposed to have an acceptance or lack of acceptance to their new checking I should have been able to read the offer and then sign or not sign it instead of just forcing this new account on me with out my knowledge and taking my money. I am meticulous with each XXXX. because they charged me {$8.00} i was short on my license payment that was supposed to be taken out today which means i defaulted on my license payments with the state of Michigan all because they say they sent me an offer that i did not refuse in a pop up ad. BAD BANKING BUSINESS by 5/3. not a legal contract for a tort. you have XXXX terms. offer, acceptance, consideration, and agreement. i feel they breached each of these and there was no meeting of the minds so i want my Access account back and they had NO LEGAL right to switch my Access Account.