Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/XXXX, my bank processed a garnishment related to a court judgment. At that time, my bank accounts were effectively XXXX  out. Based on my bank statements : As of XX/XX/XXXX, my savings account balance was {$3900.00}, which was reduced to {$0.00}. 

As of XX/XX/XXXX, my checking account balance was {$1300.00}, which was also reduced to {$0.00}. 

The total amount removed from my accounts at that time was {$5300.00}, plus two {$80.00} processing fees assessed across garnishments. 

However, for nearly XXXX full year, the bank repeatedly stated that it had no record of the first garnishment, despite my accounts having been depleted. I contacted the bank multiple times and spoke with several representatives and supervisors, all of whom stated there was no documentation of the initial garnishment and advised me to contact the creditor directly. 

Only after I filed a BBB complaint in late XXXX did the bank suddenly acknowledge the first garnishment and provide documentation dated XX/XX/XXXX, referencing a garnishment allegedly received on XX/XX/XXXX at XXXX a.m. This timing is questionable, as garnishment orders are not typically processed at midnight. Additionally, the garnishment notice was mailed to an incorrect address in another state, where I had not resided since XXXX. 

The bank now claims that the first garnishment totaled {$4300.00}, itemized as : Checking account : {$910.00} ( minus an {$80.00} processing fee, resulting in {$830.00} sent ) XXXX account : {$3500.00} sent This explanation does not match my bank statements, which show higher balances being fully removed and do not clearly reflect the garnishment transactions for the first XXXX. No transaction receipts or clear ledger entries were provided, and the bank has stated it can not provide receipts. 

In XX/XX/XXXX, a second garnishment occurred for {$260.00}, which does appear on my statements, again with an {$80.00} processing fee. This inconsistency highlights the lack of transparency surrounding the first garnishment. 

Based on court records : The assessed judgment amount was {$5200.00}, with receipts showing {$4300.00} applied. 

Bank records and statements reflect {$5500.00} removed from my accounts across garnishments and fees. 

There is an unexplained discrepancy of approximately {$1200.00} that has not been properly accounted for. 

Despite repeated requests, the bank has : Failed to provide accurate, contemporaneous statements showing the first garnishment Provided statements from incorrect time periods Offered explanations that conflict with my original statements Shifted responsibility to the creditor while refusing to reconcile missing funds As a result, I was left in significant financial hardship and without a clear or accurate accounting of where my money went. I am requesting a full reconciliation of all funds removed, accurate documentation of all garnishment transactions, and correction of any errors related to the missing funds.

Company response to consumer: Closed with explanation