Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year> I received a check in the amount of {$7800.00} from XXXX XXXX due to being in a car accident on XX/XX/year> and my vehicle was totaled. I went to Fifth Third Bank on XX/XX/year> to cash it, but then decided to only get {$5000.00} cash and deposit the remaining {$2800.00}. I proceeded to the teller with my transaction, but she had to get an approval from the branch manager. After the branch manager reviewed the check, he then advised me that the check could only be deposited and the funds would be available the next day, and I could withdraw the money then. I said that's fine, I'll go ahead and deposit it. The branch manager asked what the check was for, and I told him, for me to purchase another vehicle because mine was totaled. At that time, another customer was waiting and overheard about me purchasing a vehicle and gave me his information about purchasing a vehicle because he sells cars and trucks. After speaking with the othe customer and getting the receipt for my deposit, I ran into a friend I hadn't seen in a long time and got distracted with having a conversation with him and did not pay attention to my deposit receipt until I got home. The receipt showed {$7800.00} was made to a credit card payment. At that time, the bank was already closed. On XX/XX/year>, the next day I went back to the bank and showed the branch manager that my check went to a credit card payment that I dont have. He stated that it was a mistake by the teller. She must have hit the wrong button. The teller is looking at the branch manager ver surprised as if he lied on her. I advised the branch manager that this was not a mistake, but intentionally done by him. He stated that he could have the transaction reversed by the end of the day. I went back to Fifth Third Bank on XX/XX/year> because the check had not been reversed and my funds were not showing as being deposited into my account and no other accounts. I called the credit card department and they stated that a payment had not been received and that account had been charged off, and I was given the phone number to the collection agency for the account. I called the collection agency and I was advised that they have not received a payment in the amount of {$7800.00}, and they would never receive more than the amount owed, and they are already receiving payments. I went back to the bank and told the branch manager that the credit card department did not receive it and neither did the collection agency. I also called the company the check came from, and asked if the check had been cashed or deposited, and the representative stated that the check had not been cashed or deposited yet. I told the branch manager at Fifth Third Bank that the check had not been cashed or deposited and he was just holding it for not reason. I asked for my check back, but stated that he was trying to locate where the funds were. I asked for a copy of the check and he made me a copy. I went back to Fifth Third Bank on Friday XX/XX/year>, and a bank teller or assistant manager stated that the branch manager is on vacation and would not return until Monday. Before returning to Fifth Third Bank on Monday XX/XX/year>, I called the institution the check came from on XX/XX/year> to ask if the check has been cashed or deposited. The representative advised me that the check was cashed on Monday XX/XX/year> at XXXX XXXX. I was at Fifth Third Bank on XXXX XXXX and purchased a cashier 's check at XXXXXXXX XXXX  and the check was cashed at XXXX XXXX the same day, but the funds were not deposited into my account. Can someone Please help me with this matter. Thank you.

Company response to consumer: Closed with monetary relief