Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
To Whom It May Concern : The previous complaint Id XXXX This is an update to my previous complaint as Fifth Third responded with inaccurate, incomplete and misleading statements. I am writing to formally demand full restitution and accountability from Fifth Third Bank, N.A. ( Fifth Third ) arising from its failure to prevent the financial exploitation of a vulnerable elderly customer, as well as its subsequent inconsistent and potentially misleading representations regarding partial reimbursement of the loss. I am XXXX XXXX XXXX I suffers from cognitive impairment and recently lost my husband suddenly rendering me a vulnerable adult under applicable consumer protection standards. As a result of unauthorized and fraudulent activity that Fifth Third failed to prevent or properly investigate, approximately {$100000.00} was wrongfully transferred from my account. Despite clear red flagsincluding age, diminished capacity, and unusual transaction activityFifth Third failed to implement reasonable fraud prevention measures, escalate suspicious activity, or protect a known vulnerable customer. ADMISSION OF FRAUD THROUGH RETURN OF FUNDS Fifth Third has acknowledged that approximately {$33000.00} was returned to the account. Regardless of how the bank attempts to characterize this transaction, the return of funds itself is an implicit admission that the underlying transaction ( s ) were unauthorized and fraudulent. Financial institutions do not reverse, recover, or credit funds absent a determinationformal or informalthat fraud, error, or unauthorized activity has occurred. As such : The return of funds directly contradicts any implication that the transactions were valid or authorized It establishes that Fifth Third had sufficient basis to recognize fraud It triggers heightened duties under federal law to fully investigate, remediate, and protect the customer Despite this, Fifth Third has failed to make me customer whole or provide a complete and consistent explanation of its findings. Such as unsigned documents, clear red flags and documentation they prefilled stating I checked several boxes on documents I did not. MATERIAL MISREPRESENTATION & CONFLICTING STATEMENTS Fifth Third stated in its response to a Better Business Bureau complaint that the {$33000.00} was recovered through a wire recall due to fraud. However, an official bank statement received on XXXX identifies this same credit as a settlement for a judgment involving Fifth Third Bank and XXXX. These explanations are materially inconsistent and mutually exclusive. This discrepancy raises serious concerns that Fifth Third has : Misrepresented material facts in its response to a consumer complaint Attempted to characterize a legal settlement as a recovery to minimize liability exposure Failed to provide truthful and transparent disclosures regarding the disposition of funds REGULATORY VIOLATIONS Fifth Thirds conduct appears to constitute violations of multiple federal consumer protection laws and regulatory obligations, including but not limited to : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the XXXX XXXX XXXX Reform and Consumer Protection Act Misrepresenting the nature of credited funds Providing inconsistent and misleading explanations Electronic Fund Transfer Act ( Regulation E ) Failure to properly investigate unauthorized transfers Failure to provide appropriate resolution once fraud indicators were identified Bank Secrecy Act / Anti-Money Laundering obligations Failure to detect and respond to suspicious activity Failure to protect a high-risk, vulnerable account holder Federal guidance on elder financial exploitation from the Consumer Financial Protection Bureau and other regulators Failure to implement appropriate safeguards for vulnerable adults

Company response to consumer: Closed with explanation