Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Fifth Third Bank, My name is XXXX XXXX, and I have been a loyal customer of your institution for over a year. I am writing to express deep concern and frustration regarding repeated and unjustified issues with my account, lack of communication, and the general disregard I have experienced as a customer. 

This is the second time Ive had my account suddenly shut down without warningno phone call, no email, no written explanation. Most recently, I deposited a legitimate {$7000.00} government-issued checksomething Ive done consistently at the same Fifth Third Bank location without issue. These checks are tied to my business, and have been verified in the past with no problem. However, after this particular deposit, I found my account had been electronically blocked and my debit card locked. I was not notified or given any reasoning beforehand. I only discovered the block when I attempted to use my funds and was denied access. 

When I called customer service to inquire about the issue, I was met with vague answers, transferred around multiple timesoften to outsourced representatives outside the XXXX no one could explain why I had been denied access to my own money. What was especially frustrating and hurtful was the tone and treatment I received during these calls. I was met with rude and dismissive attitudes, as if I had done something wrong or was under suspicion. This level of disrespect is unacceptable, especially when Ive done everything right on my end. 

Rather than contacting the verified company who issued the check, your institution chose to shut down my account without cause. This not only disrupted my business operations but also left me without access to food, basic needs, or the ability to handle time-sensitive transactions. 

To provide additional context : XXXX XXXX XXXX : I recently paid a merchant for cargo insurance. After accepting my payment, they informed me they could not provide the policy. I requested a refund, and after delays, I contacted my bank for assistance. Upon notifying the merchant that I had involved Fifth Third Bank, they agreed to refund me, stating it would take XXXX business days. I have full email documentation to support this. I did initiate a dispute, as I had no confidence in their follow-through. 

XXXX XXXX XXXX : I submitted an XXXX deposit for a home with the understanding that it would be refundable if I chose not to proceed. After backing out, I informed all relevant partiesincluding my real estate agent, who was on the phone with me while I contacted the bankbut I was ignored. I also have emails confirming this situation. 

Account Name Change : My business account recently underwent a name change from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This change was submitted and approved properly. I made this update to reflect the growing scope of my business, and I ensured everything was compliant and documented. 

Despite all of this, I feel Ive been treated unfairly and profiled. I have previously experienced issues during card activation due to my XXXX and XXXX ID being incorrectly switched, despite me presenting verified IRS documents. The resistance and disrespect Ive encountered throughout these processes make me feel that I am not being treated equally or professionally. Ive gone out of my way to follow all policies and procedures, and yet I am repeatedly subjected to mistreatment and inconvenience. 

This is not the standard of service a financial institution should provideespecially to someone using your bank to build a business, manage tax season, and grow wealth legitimately. 

I am formally requesting : XXXX restoration of access to my account and card. 

A clear, written explanation of the reasons for the block. 

An internal investigation into how my account and past complaints have been handled. 

A direct response from someone in a supervisory or XXXX position who can take responsibility and correct this situation. 

If this matter is not resolved promptly, I will be forced to file formal complaints with the CFPB, FDIC, and any other relevant agencies. I will also explore legal options if necessary, as I have preserved full documentation of all transactions, communications, and call logs. 

Please treat this matter with the seriousness it deserves. I am a paying customer. I deserve respect, fair treatment, and transparencynothing more, nothing less. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation