Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/. I receive my paycheck via direct deposit from my employer. Funds were reversed from my account on the same day. {$830.00}, twice, which threw my account in the negative {$590.00}. I called my bank 's Customer service number to see what was going on. They looked into the account. Finally they transferred me over to the disputes department. was on the phone, for over an hour with the dispute department. They said there was nothing they could do that day, because the transaction was still pending. I called back on Monday XX/XX/ Filed a dispute. They came to the conclusion that someone reversed a XXXX XXXX payment twice, that I received from XX/XX/XXXX. They are claiming that I received goods and services, and did not pay for them, and the person reversed the payment, which put my account in the negative. I called XXXX XXXX customer service. was on the phone for 2 hours. They confirmed all of my incoming, and out going payments on XX/XX/XXXX was good. I had a payment received for {$850.00}. After the transfer fee, it was {$830.00}. They also stated that they do not reverse XXXX XXXX payments, but someone probably called their bank, and disputed the amounts with their bank. 
The dispute department told me I had to wait 8 days to receive my funds back into my account, and they would reverse any fees, that I was charged. Today marks the 8th day. I was paid again from my employer. My account has been in the negative for 2 weeks in the amount of $ XXXX. I have been getting return payments, phone calls, because my bill payments have been returned. Today XX/XX/XXXX, which is when I was supposed to receive my funds back to my account. My funds are not in my account. I call the dispute department, tell them the situation, they transfer me to customer service. Talk to customer service, they transfer me back to the dispute department, dispute department transfer me back to customer service. I am on hold, and on the phone for an hour and a half. The guy in customer service finally says that Fifth third sent me something, in the mail, because its not the type of dispute they thought it was, so they cant dispute it, and they do not contact other banks regarding this type of transaction. I checked my mail, I received the letter they sent, today, and it really does not explain anything at all. I called XXXX XXXX, and XXXX XXXX XXXX  with information that I have. They both stated they could not give me any information, on the person 's account, regarding the person I suspected, and only my bank could contact, XXXX XXXX XXXXXXXX to verify and investigate information for this transaction. My complaint is my bank, Fifth Third, does not believe that my money is important enough to do a thorough investigation. They never once, called XXXX XXXX bank to look into this situation. So, its okay for someone to dispute a charge from 3 months ago, take My entire paycheck, I can not pay my bills, feed my family, and I am the one being inconvenienced, for 2 weeks, and all they can say is. We cant call the other bank to see what happened, or look further into this? Well why not? XXXX XXXX told me today, the only way this could be rectified, is if my bank called them. It would have to be a bank to bank dispute. Not only are they not willing to investigate, and call the other bank, this person was able to reverse the payment twice. {$830.00} twice. I have bills that are overdue, and my bank does not care at all. I have been dealing with XXXX XXXX for over 5 years, never had any problems. I do not do fraud, I work for every XXXX I earn. I am requesting that my money is refunded to me, and all return fees, associated, which they took from my direct deposit this week. I have an email from XXXX XXXX, and the mail that my bank sent which is really very useless to me.