Consumer complaint received 2025-08-26 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

Complaint narrative:
Subject : Formal Complaint Against Fifth Third Bank Regarding Unauthorized Transactions and Improper Chargeback Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Fifth Third Bank concerning unauthorized transactions on my account and the bank 's subsequent mishandling of the dispute resolution process. This matter involves fraudulent activity, inconsistent refund decisions, and unprofessional customer service, which have caused me significant financial and emotional distress. 
On XX/XX/scrub>XXXX XXXX unauthorized transactions totaling XXXX XXXXXXXX dollars were executed from my account for the purchase of cryptocurrencies. These transactions originated from multiple locations, including XXXX, Nevada ; XXXX XXXX XXXX  and XXXX XXXX. Upon discovering these discrepancies, I promptly contacted Fifth Third Bank to report the fraud. I disputed the charges in accordance with the bank 's procedures, and as a result, the bank issued me a new debit card and refunded the full amount of the disputed transactions to my account. 
However, on XX/XX/year>, Fifth Third Bank unexpectedly reversed one of these refunds by debiting {$300.00} from my account. The bank claimed this amount corresponded to a transaction from XX/XX/year>, and provided a false justification that I had received a verification message and confirmed the transaction. I categorically deny having received or confirmed any such message, as no legitimate authorization occurred on my part. This reversal is particularly egregious given that the bank had previously refunded two other unauthorized transactions from the same day without issue. The selective reversal of this specific charge from XXXX XXXX raises serious concerns about the bank 's consistency, transparency, and adherence to fair dispute resolution practices under federal regulations, including the Electronic Fund Transfer Act ( Regulation E ). 
Furthermore, when I attempted to address this matter with Fifth Third Bank 's customer service representatives, I encountered repeated instances of unprofessional conduct. Representatives abruptly terminated phone calls, refused to provide detailed explanations, and treated me with disrespect, exacerbating the situation and hindering my ability to resolve the issue amicably. 
To substantiate my claims, I have retained all relevant documentation, including account statements, correspondence from the bank, and records of my initial dispute and refund. I am prepared to provide these materials upon request to facilitate a thorough investigation. 
I respectfully request that the CFPB investigate this complaint, hold Fifth Third Bank accountable for its actions, and ensure the prompt reversal of the improper {$300.00} debit, along with any applicable compensation for the inconvenience and potential violations of consumer protection laws. Your assistance in this matter would be greatly appreciated to restore fairness and protect my rights as a consumer. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXXAccount number fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation