Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth Third Bank charged me multiple overdraft fees that should not have been applied. On Thursday I was charged {$100.00}, on Friday I was charged {$70.00}, and on Monday I was charged {$35.00}. My issue is with the full total of these fees and the way Fifth Third handled the situation, last few charges XXXX have been subject to overdraft fees, but not ALL of them. The bank incorrectly charged overdraft fees on transactions that were already covered. 
These fees were caused by the bank posting transactions incorrectly, out of order, and days after they occurred. I transferred money from my savings to my checking to cover the negative balance, and if I had not done that, I would still have money in my savings right now. Instead, the bank posted older transactions after my transfer and charged overdraft fees on items that were already covered. When I contacted customer service ( agent name : XXXX XXXX, she immediately mentioned reversing only the {$35.00} fee without even listening to my full issue. She consistently misunderstood or ignored what I was explaining about delayed posting and improper fee grouping. It felt like she chose to misunderstand on purpose to avoid addressing the real problem. Fifth Third made it seem like I allowed the charges to stack and never transferred money, which is not accurate. I clearly transferred money to prevent overdraft fees, yet I was still charged because of the banks posting delays and transaction reordering. This is not the first time this has happened, and it continues to cause financial harm. I am requesting a full review and reversal of all improperly charged overdraft fees. Fifth Third advertises itself as a XXXX chance bank, but these practices make it extremely difficult for customers to recover financially. There were times when I made a purchase and then transferred money from my savings to my checking either the same day or just hours later. Even though I moved the money to cover the transaction, Fifth Third still charged overdraft fees days later when the transaction finally posted. The overdrafts happened because of delayed posting, not because I ignored my account. This delayed posting practice makes it impossible to manage my balance accurately and contributes to the improper fees I received. This has happened multiple times, not just once. The delayed posting and out-of-order posting has created overdraft fees on several occasions. These unnecessary fees put me at a financial disadvantage and made it harder to manage my money and maintain a positive balance. When I contacted customer service, they did not address my actual issue and refused to properly review the posting errors I described. I attempted to resolve this with the bank directly, but my concerns were dismissed instead of reviewed. I contacted them multiple times about this issue & their customer service. Fifth Third advertises itself as a XXXX  chance bank, but the posting delays and multiple overdraft fees contradict the purpose of providing XXXX-chance financial support. I am not asking for anything unreasonable only that the bank correct and refund the fees that resulted from their posting errors. XXXX, I paid them XXXX in overdraft fees.

Company response to consumer: Closed with monetary relief