Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Fifth Third Bank for engaging in multiple unlawful and abusive practices in violation of the Fair Credit Reporting Act ( FCRA ), Telephone Consumer Protection Act ( TCPA ), and other consumer protection laws. 
I have been receiving repeated and harassing phone calls, including on weekends, even after hours. I clearly instructed the bank to stop contacting me by phone. Despite revoking my consent to be called, they continue to contact me using automated and live calls, which I believe violates the TCPA. 
In addition, I submitted a dispute regarding charges on my account, and instead of investigating the matter properly as required by the FCRA, Fifth Third Bank claimed there are no notes or records of my dispute. This raises serious concerns about furnishing inaccurate credit information and failure to investigate or mark my account as disputedwith the credit bureaus. 
These actions have caused me significant distress and confusion. I believe Fifth Third Bank is also in violation of the CFPBs rules against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Continuing to call me after I asked them to stop, misleading me about the existence of my dispute, and refusing to investigate are all abusive and deceptive actions.

I respectfully request that the CFPB investigate these practices and take appropriate enforcement action. I am also requesting that : 1. All phone contact from Fifth Third Bank to me immediately stop.

2. My dispute be properly investigated and documented.

3. My credit report be updated to reflect the dispute status.

4. I be compensated for the distress and inconvenience caused.

In addition I am filing a complaint against Fifth Third Bank for charging bogus overdraft fees. Fifth Third Bank has charged me almost {$200.00} in overdraft fees in just a few weeks.I never authorized Fifth Third Bank to sign me up for overdraft. In addition I am filing a complaint against Fifth Third Bank for the following : 1. Charging Overdraft Fees Without Opt-In Violation of Regulation E.

Fifth third bank charged me fees for one-time debit card purchases without the customers authorization.

2. Misrepresenting Overdraft Protection Violation of UDAAP.

Banks may mislead consumers into believing overdraft protection is free or mandatory.

3. Deceptive Enrollment Practices Automatically enrolling customers in high-fee overdraft programs without consent ( as CFPB alleged against Fifth Third Bank has done to other customers ) 4. Charging Multiple Fees for a Single Transaction Charging more than one overdraft fee for a single item re-presented for payment multiple times.

5. Unclear or Hidden Fee Disclosures Failure to provide clear, upfront disclosures about overdraft terms and costs.

6. Manipulating Transaction Posting Order Reordering transactions to maximize overdraft fees by posting highest to lowest amounts 7. Charging Fees on Authorized Positive Balance Charging overdraft fees even when I had a positive balance at the time of purchase, but later fell into the negative due to bank processing delays or holds.

8. Failure to Notify Me Before Charging Fees to my account.

Not providing prompt notice when an account becomes overdrawn and fees are charged.

Please let me know if you need any supporting documentation. I am prepared to provide phone logs, emails, and a written record of my dispute.

Company response to consumer: Closed with explanation