Consumer complaint received 2026-06-10 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: OH

Complaint narrative:
I am filing a complaint regarding Fifth Third Bank 's assessment of excessive overdraft fees and its refusal to provide any reasonable resolution despite my attempts to correct the overdraft and prevent additional fees. My account became overdrawn by approximately {$26.00}. On XX/XX/year>, I made a deposit that would have brought my account current. However, overdraft fees were assessed that same day, causing my account to become negative again despite my efforts to resolve the overdraft. After realizing what had occurred, I contacted Fifth Third Bank through customer service chat over the weekend. I explained that I was unable to pay the overdraft fees that had been assessed, but that I could cover the additional recurring transactions that would otherwise overdraw the account. Additionally, I asked for clarification on which items and dates the overdraft occurred ; I had made a deposit the same day fees were assessed and my account was not overdrawn with fees, to my knowledge. The representative repeatedly redirected me to read the statements, rather than provide an explanation. I specifically advised the bank that if no assistance was provided, the account would incur an additional {$140.00} in overdraft fees, resulting in a total of approximately {$210.00} in overdraft fees stemming from an original overdraft of only {$26.00}. Both frontline customer service staff and a supervisor declined to provide any assistance. No options were offered to waive, reduce, postpone, or otherwise work with me regarding the fees, despite being informed that additional fees were imminent and preventable. On XX/XX/year>, I again contacted Fifth Third Bank by telephone seeking assistance. I explained the situation and requested consideration of fee relief, a payment arrangement, postponement of fees, or any other option that would allow me to bring the account current and prevent further charges. My request was again denied, and I was informed that no assistance was available. I believe Fifth Third Bank acted unfairly by refusing to consider any reasonable resolution after being notified that additional fees would result directly from the existing overdraft fees already charged. The bank was aware that the original overdraft had been addressed through a deposit and that the continuing negative balance was primarily the result of overdraft fees themselves. Despite this knowledge, Fifth Third chose to allow additional fees to accumulate rather than work toward a solution. I am requesting : 1. A full review of the overdraft fees assessed on my account. 2. Refund of the overdraft fees that accumulated as a result of this situation. 3. A review of Fifth Third Bank 's customer service practices regarding fee-relief requests and escalation procedures. 4. Written confirmation of the bank 's findings and resolution. I attempted to resolve this matter directly with Fifth Third Bank on multiple occasions before filing this complaint and was unable to obtain meaningful assistance.

Company response to consumer: Closed with explanation