Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am writing to dispute multiple unauthorized electronic funds transfer ( ACH ) from my business checking account and to request that you investigate and credit the disputed amount back to my account in accordance with applicable law and your account agreement. 

The unauthorized transfer is as follows : Account holder name : XXXX XXXX XXXX XXXX XXXX XXXX  account number : XXXX Type of account : Business Checking Date of transfer : XX/XX/XXXX ( XXXX transactions of - {$20000.00} each ), XX/XX/XXXX ( XXXX transactions of - {$20000.00} each ), XX/XX/XXXX ( XXXX transaction of + {$20000.00} ), XX/XX/XXXX ( XXXX transaction of - {$20000.00} ) Amount of transfers : {$220000.00} Receiving company name ( as shown on statement ) : XXXX XXXX  XXXX Transfer XXXXXXXX XXXX XXXX XXXX XXXXXXXX I did not authorize any of these transfers. They are unauthorized EFTs, and I have no relationship with the abovenamed company, and I received no goods, services, or benefit from this transaction. The transfer is inconsistent with my normal account activity and is a clear example of an unauthorized ACH payment. 

I first became aware of these unauthorized transfers on XX/XX/XXXX, when reviewing my online activity and made a Fifth Third fraud claim with the Case # XXXX. I was not notified of these transactions from Fifth Third Bank. I was informed I must wait 8 business days before getting my money back. Eight {$20000.00} ACH transactions were withdrawn from my account on XX/XX/XXXX. Three {$20000.00} ACH transactions were withdraw from my account on XX/XX/XXXX. One {$20000.00} ACH transaction deposited into my account was made on XX/XX/XXXX. Upon calling on XX/XX/XXXX, Fifth Third Bank informed me that my checking account was frozen. On XX/XX/XXXX, an additional debit ACH transaction of {$20000.00} came out of the account, despite the account being frozen. The total amount of money lost was {$220000.00}. Each transaction carries the name " XXXXXXXX XXXX XXXX Transfer ... XXXXXXXX XXXX XXXX.. On XX/XX/XXXX, Fifth Third Bank deposited {$20000.00} into my account because of the transaction that went through while the account was frozen. I called to check on the status of the fraud claim on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX a Fifth Third employee in the fraud department informed me that I would be receiving " all the money back on Friday, XX/XX/XXXX. '' On XX/XX/XXXX, no refunds were issued. Upon calling on XX/XX/XXXX, I was informed by Fifth Third fraud department that the money was not able to be retrieved from the fraudulent source and that I would not be getting any money returned. It was suggested I contact the merchant personally to retrieve the {$200000.00}. Fifth Third informed me they have no responsibility regarding this and that it was unfortunately all my fault they allowed these fraudulent transactions to occur. 

Under UCC Article 4A-204, I am requesting refund of the {$200000.00} by Fifth Third Bank XXXX These transfers were unauthorized payment orders. Eleven large ACH credits in two days to a brand-new beneficiary are highly anomalous for a veterinarians account and should have triggered out of pattern alerts and manual review under any reasonable fraud monitoring system. 
. 
I request : XXXX. Reverse or credit the full disputed amount of {$200000.00} to my account as required by law and Fifth Third policies for unauthorized electronic fund transfers. 
XXXX. Fifth Third provide me with written confirmation of your investigation results, including the basis for any decision you make and copies of any documentation relied on. 
XXXX. Fifth Third provide a copy of any signed authorization or other evidence you believe shows authorized this transfer. 

In addition to the listed above, Fifth Third bank refuses to allow me to open another checking account to be able to safely access my credit card and business loan. They are currently requiring me to use the hacked account to access the credit card activity and make payments on the business loan. The only way I can currently pay the business loan is to continue to deposit money into the hacked account. Multiple requests to have managers and supervisors call on the telephone have not been fulfilled. 

Fifth Third is taking advantage of my small business ( that was opened on XX/XX/XXXX ) and should be held responsible.

Company response to consumer: Closed with explanation