Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit through fifth third banks mobile app. I'm a full-time actor. The check that I deposited was a residual check from a movie that I was in. The amount I deposited was {$7700.00}. later that evening, I went to a fifth third location here in XXXX Kentucky in XXXX XXXX. ( I don't have that Bank 's address on hand but I'm happy to provide that exact address if needed ) the only reason that's important is because after I made the deposit of the {$80.00} in cash and remember, I had I asked the bank teller ( don't remember her name )... I asked her if this amount would get flagged she said, let me check. I proceeded to give her my ID she pulled up my account and then confirmed that the funds would be available to me the next day which then would have been XX/XX/XXXX I had fears of the amount of the check and wanting to make sure that it didn't flag fifth third fraud department. She put those fears to sleep. 
The next day my wife and I have been tearing apart our basement until about XXXX XXXX. when I absent-mindedly had forgot I needed to make my credit card payment. So before calling to make my credit card payment I wanted to confirm the funds were available in my fifth third account. After checking, they were not. 
I had just enough time to rush to a fifth third location before they closed. 
This 5th 3rd bank XXXX 's address was XXXX XXXX way, where I spoke to a bank represented by the name of XXXX. She provided me with details on the standard release of my check and the date of XX/XX/XXXX of when it would be cleared because the bank and the risk assessment team decided that the banks loss outweighed the possibility of my check not clearing. She said that because the bank couldn't verify the payers information within the first XXXX hours that it automatically goes into a standard release date. A couple of their associates including XXXX mentioned to me that in the last calendar year I had a few overdraft charges. I felt like that was a slap in the face granted I just deposited a check of almost {$8000.00} and you were telling me about my overdraft fees that I did correct and have done a fine job of keeping in good standing with this bank for over 10 years as a fifth third customer XXXX of these years I maintained a direct deposit through hobby lobby during my employment there. Anyways, Saturday morning I went to the library and printed off, could think of that would help verify relation between myself as the payee and this production company as the payer. The project name was originally called XXXX guys directed by XXXX XXXX starring XXXX XXXX XXXX written by XXXX XXXX, at a small supporting role in the project we filmed it in XXXX of 2022 I was paid by these production companies then for what was called my day rate however this would be the first form of a residual payment that I was paid from these folks but it's standard practice as an actor. So I provided them my original signed contract between me and the production company or the payer, an additional affidavit and contract between myself and them. My sag-aftra residual statement showing the payment from the payer to me for this. The contact information with the production. I provided them a plethora of documents. Including a screenshot from an email thread between myself and this production company on XX/XX/XXXX happenstance is the same day I made the mobile deposit and the email thread confirms my name before they put it on XXXX to give me the credit for it. After giving all of this information to XXXX she told me I've got above and beyond and there's nothing else she needs she's waiting for XXXX and their internal department or risk team to get back to her. I also spoke with a guy named XXXX from the XXXX highway fifth third location I forwarded all of that documentation to him in an email as well as XXXX and he forwarded that to risk assessment. After several attempts of trying to get a hold of XXXX today... I have veiled nothing from it I emailed him and he did not email me back either. I didn't hear from XXXX at all today until I decided to call her at XXXX p.m. to follow up and she told me she didn't hear anything. 

Oh and another thing yesterday, which was Tuesday XX/XX/XXXX around XXXX p.m. I had not heard from XXXX all day so I called her and she said oh I have some news for you XXXX XXXX the payers Bank told me that he doesn't see any issues with the check. I asked her if I was good to go then and she said well I think so I'm not 100 % .. this is absolutely frustrating as I don't just have {$8000.00} to be sitting idle. Another thing worth mentioning that headed a lot of this was I had a credit card payment of {$4500.00} due on XX/XX/XXXX and I made XXXX and everybody else from fifth third aware of this thing that I was experiencing and how I needed the money and nobody cared at all that I had this problem they all pushed me off to somebody else to answer my questions. 
I have all of this documentation mentioned to you and if somebody needs it I'm more than happy to put that in a professional documentation email form with your representatives. 
If you have any questions I can be contacted at XXXX. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation