Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been with 5/3rd bank almost 10 years and never had any problems with the bank well I took some assistance from someone and they sent me a cashier 's check, I did a mobile deposit on Wednesday evening I believe wel tried to get into my account and it was locked and said there were to many attempts to get into my app so I called them and they sent me to the fraudulent department and this lady gets on the phone and ask me about the cashier 's check and she says before I could explain that I'm being kicked out of 5/3rd bank for trying to cash a fraudulent check. I'm on XXXX and have mental issues and my anxiety kicks in and I explain to her that I got a cashier 's check from someone anonymous that had pick my name at a church I took the help because I lost my house to a tax sale but have til XXXX to pay it back.By this time after explaining to her she already had me judged jury and executed and she says I got 30 days to bring my proof in.Im sitting there just shocked so I call back to the fraud dept so I talked to a gentleman and he was asked if I had anything against me on my record he says no he was asked if they had ran the cashier 's check and he says no and he was asked if he could unlock my account so I can get some money out and he says no I say what am I supposed to do because I live in a travel trailer while I redo my home and my generator is broke down and I have no power to my home and I can't order the parts i need because my account is locked at this time I have no money cause 5/3rd locked me out of my accounts as I write this complaint to you I still have no power cause I don't have a debit card to order my part online that I need I asked him how I was suppose to get my money and he says I'm sorry and I began to break down and I snapped off and said it's people like you that cause people to want to hurt them selves and I hung up about XXXX minutes later the sheriff 's department showed up they said someone from 5/3rd bank called and I tried to commit an act of fraud and they were afraid I was gon na hurt myself I explained everything to the officers and I showed him the cashier 's check and he agreed with me he would have deposited too he told me to go to legal aid and get a attorney. I went in on Friday XX/XX/year> and sat down with a customer service I believe is name was XXXX and I showed him the text I had recieved and showed him the cashier 's check and he said I wouldn't have been able to tell but he could the check was fraudulent so we called the fraud dept and we started to talk to a gentleman and the call was suddenly dropped so we called back and this time we had gotten the lady who I had talked to and XXXX started to explain and she interrupted and said she didn't care and said that I had lied to her and I tried asking what I lied about and was interrupted by XXXX and told me to be quiet, Then XXXX proceeded to ask the woman if we could call her back she said yes they hung up and XXXX turns around to look at me and puts his hands together like he's praying up to his mouth and says sorry nothing I can do for you I said what and he says she's already made up her mind so what do you want to do I said I want to know what I lied about and he goes so do you want to close your accounts I said do I have a choice and he says nope your out he calls her back to unlock my accounts at first she wasn't gon na do it but finally did so they closed my checking and savings account gave me my money back and they confirmed my checking and savings was closed I was confused and devastated started to cry cause I felt I did nothing wrong all I did was except some help and deposited what I thought was a good cashier 's check but the worst part is the customer service guy XXXX looked at me as if I was a criminal. I asked him about my direct deposit from the XXXX XXXX XXXX he said it would get kicked back to where it came from and he says you work for the railroad I said yeah a federal government job do you think the railroad hires criminals your accusing me to be and I walked out in utterly shame and crying because I was judged juried and executed.Saturday my phone tings about XXXX or so and I look at it and there it shows my balance of negative XXXX dollars and I wig out really bad and I'm freaking out I'm confused and calling 5/3rd bank and I asking what is up with my accounts she said they are opened but I'm locked out of them she's telling me I have to wait til Monday to call the fraud dept and I explained to her they were closed out on Friday she says sorry you will have to call them on Monday I said what about my XXXX check it's gon na hit the account and 5/3rd is gon na take all my money and not only that I deposited the cashier 's check into my savings and now it's showing in my checking too and they never even processed the cashier 's check and at XXXX point in the conversation on Friday when I was really upset they had mentioned something about my check and the accounts couldn't be closed yet but I didn't catch it all cause I was in my own head and when I was leaving I confirmed with him that my accounts were closed and he said yes they are.and I walked out feeling like a loser and ashame because I was just trying to get some help so I didn't lose my home I have been working on it's what gets me through everyday so I don't do something crazy. So I told the girl I need to talk to someone that can help me they transfered me to a supervisor and when I didn't get my answer I wanted I called XXXX more different times cause I wanted a different answer and I kept getting the same XXXX call Monday to the fraud department. I have been awake since this all started my brain won't stop thinking about that cashier 's check my accounts still being open the negative balance my XXXX check that's gon na hit that account with the negative balance XXXX is gon na take my whole check I'm not gon na have any money to pay my bills or eat no money to feed my dog, cat and rooster all I keep thinking what did I deserve to have this happen to me why is that woman in the fraud department being so nasty towards me I didn't do nothing wrong I didn't do nothing wrong I didn't do nothing wrong I haven't slept cause all I keep thinking about is my check going into my account I was forced to close I loved 5/3rd bank I could go in, they paid me a couple days early and they even gave me advance payment program so I had extra money why would I intentionally try to cash a bad cashier 's check like the fraudulent lady is accusing me of I just needed some assistance to pay my taxes off from my home so I didn't lose it so please help me please This has caused me some hardship because I'm still without power because I can't even order the parts for my generator and my XXXX check is going into a account that should be closed but was reopened with a negative balance of XXXX what am I suppose to do I live month to month and they are taking my check from me.

Company response to consumer: Closed with explanation