Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XX/XX/2019Regarding:  Fifth Third BankTo Whom It Concerns,My husband and I have had our Checking account with Fifth Third Bank/XXXX XXXX XXXX for a number of years.  My husband died this past XX/XX/2019.  I have resumed the relationship with Fifth Third Bank in changing the account name into my name only (XX/XX/2019).  My husband received a lump sum (XX/XX/2019) of Social Security Disability and a single payment (XX/XX/2019) in July.  Knowing the XX/XX/XXXX payment, that I was not entitled to and possibly a portion of the lump sum.  I went to the Social Security office in XXXX XXXX (XX/XX/2019) to bring this to their attention as well as my Spousal Disbursement.  In the conversation with Social Security, it was my understanding they were to bill me for the overpayment.  Fifth Third placed the hold on XX/XX/2019 and NO notification was sent to me, regarding the hold of the Reclamation in the amount of $XXXX.  It came to my attention on XX/XX/2019 talking with a Fifth Third representative that Social Security placed a hold on the funds, 13 days with NO notification from Social Security or Fifth Third thus harming my reputation.  Within the week, I wrote a check to my attorney and was notified by him that the check bounced.  Had I known the full amount was held, I would have used my account at another institution to write the check. XXXXNote: If at the time the RDFI first receives information of death, all or part of the post-death benefit payments have already been withdrawn from the account, the government does not authorize the RDFI to try to recover the funds from the withdrawer. If the RDFI does so, it acts under its own authority in terms of its contract with its depositor or under state law.Holding Payments Under no circumstances should an RDFI hold payments indefinitely in a suspense account, or by any other means, nor should payments otherwise be held if any of the conditions apply on when to return a payment. Holding payments may constitute a breach of the RDFI’s warranty for the handling of Federal government ACH payments under 31 CFR 210 and could result in an RDFI’s inability to limit its liabilityI have another issue that has come to light on a regular deposit on XX/XX/XXXX, I made at an ATM (XXXX XXXX) for $XXXX.  This ATM does not accept envelopes but takes pictures of the checks/deposit and shows the check(s) on the screen.  However, looking at my On-Line Fifth Third banking, on XX/XX/XXXX I noticed a $XXXX. Debit on XX/XX/XXXX. I called the Customer Care and was told that the machine/person could not read the check and was then debited my account, the same amount of the check.  In this conversation the Customer Care Representative stated the check was discarded and I should receive a notice the end of this week.  I feel Fifth Third should of called/emailed (they have this personal information) regarding this and not disregard the check but look into the situation and resolve this immediately.  In addition I am fairly certain there are reconciliation requirement that Fifth Third need to abide to that would allow me to see the image that they felt was not legible.Frustrated