Fifth Third Bank 5/3 BANK DARK SIDE Evansville Indiana
I AM CUSTOMER OF 5/3RD BANK FOR 3 YEARS. I CAN'T BELIEVE THEY DID IT TO US SEVERAL TIMES. I WILL TALK ABOUT MONTH OF NOVEMBER ALONE LET START THE FIRST WEEK.
NOV. 5TH I WAS CHARGE $264.00 OF VERDRAFT FEE. THEY SAID THEY HAVE TO PAY WHAT IS ON PENDING ITEMS FIRST. SO THEY TOOK 2 NEW CHARGES WITH BIGGER AMOUNTS AND LEAVE 8 OF THE SMALL AMT & 8 OVERDRAFT.
I CALLED THE BANK PLEADED THEM TO REVERSE THIS CHARGES. THE MGR SAID I DON'T KNOW WHY THEY ARE DOING THIS, I AM SORRY WHAT I CAN DO IS JUST REVERSE $66.00.
I ALWAYS LOOKUP MY ACCOUNT IN THE INTERNET. IT IS A HABIT OF MINE TO LOOKUP EVERY MORNING.MIDDAY,NIGHT. WOULD YOU BELIEVE WHAT I SEE IN THAT DAY CHANGE AT NIGHT.
WHAT THEY DO IS WHEN YOU HAVE PENDING 4 ITEMS THAT DAY AT NIGHT MISTERIOUSLY ANOTHER 2 OR MORE ITEMS APPEAR. SOMETHING THEY ARE HOLDING UP & SHOW IT WHEN TIME FOR THEM TO CHARGE OVERDRAFT FEE.
ANY PENDING ITEMS ARE DEDUCTED ON THE AVAILABLE BALANCE EVEN CHARGES AND I SELDOM ISSUE CHECK. SO WHATEVER CAME IN THAT DAY AFTER 5:00PM SHLD BE PD THE FOLLOWING DATE NOT THE SAME DAY.
THEY KNOW DIRECT DEPOSIT COMES ON WEDNESDAY SO THEY MAKE SURE THEY CAN COLLECT THAT WEEKEND. I NOTICED ON SOME OF THE REPORT OF CONSUMER THAT HAPPENS TO THEM TOO IN THE WEEKEND.
THIS BANK EARN THEIR PROFIT BACK AND FORTH AND WHOEVER IDEA TO PUNISH CUSTOMERS LIKE THIS IS INHUMANE. NO MERCY FOR PEOPLE WHO DEPEND ON PAY CHECK TO PAY CHECK.
THOUGH NOV. 5TH $66.OO WAS REVERSE AS A CUSTOMER I AM NOT SATISFIED BECAUSE I STILL FEEL CHEATED. THEN SHLD HAD PAID THE 8 SMALL CHARGES AND PAY THE OTHER NEW 2 ITEM THE FF DAY.
THEY KNOW MY MONEY COMES ON WED. SO THEY PUT BACK THAT ITEM AND PD IT ON TUES. WHEN IN REALITY THE 8 CHARGES WHERE ALREADY THERE SINCE THE WEEKEND. NEW ONE'S THAT DONT SHOW ON PENDING BE NEXT.
OK THIS HAPPENS TO US MANY TIMES AND I CANNOT SEE RIGHT AWAY THE WAY THEY ARE CHEATING US. BUT THIS TIME ME AND MY HUSBAND BOTH LOOKUP THE SYSTEM AND DEFINITELY THERE IS SOMETHING WRONG.
WE ONLY STAY BECAUSE OF OUR DIRECT DEPOSIT BUT WE WILL CLOSE OUR ACCOUNT VERY SOON BECAUSE OF ALL THIS ABUSE. IF IT IS REALY THERE IS LESS MONEY IN THE BANK LEGALLY THEY CAN ONLY CHARGE ME 4 TIMES OD.
WELL, OK ONE WEEK PASS IT WAS OK ,BECAUSE I CALLED THEM THAT ONE OF THE CHARGES WAS WRONG AND AT&T WILL REFUND THE MONEY. SO THIS TIME THEY DID WATCH IT AND NO OD POSTED.
THIRD WEEK NOV.19TH 2007 ACCOUNT OK MORE THAN $900.00 IN THE ACCOUNT. ONLY 6 PENDING. COME TUES NOV. 20TH ACCOUNT ONLY HAVE $200.00 AVAILABLE . THEY DID ALL THEIR ACCOUNTING AGAIN.
NOV. 20TH OUR DIRECT DEPOSIT WAS IN AND THEY HAVE 10 ITEMS CHARGES AND 8 AGAIN IN SMALL AMT WITH OVERDRAFT FEE. $33.00 X 8=$264.00TOTAL. HAPPY THANKS GIVING. THEY CAN HAVE THEIR PARTY.
MEANWHILE ME AND MY HUSBAND ARE STRUGGLING. THIS TIME WE WANT TO STOPPED THIS MURDER THEY ARE DOING. WE DONT HAVE TO SUFFER AND BE ABUSE LIKE THIS JUST FOR BEING A CUSTOMER.
I HOPE SOMEBODY OUT THERE ARE READING AND UNDERSTANDING THIS ISSUE. I KNOW THEY ARE HIP ON MY ACCOUNT AND THEY WILL DO IT AGAIN BECAUSE THAT'S HOW THEY GET BONUSSES.
PLEASE SOMEBODY HELP US AND OTHER PEOPLE. THEY ARE NOT LYING, THEY KNOW THEY HAD BEEN VICTIMS. I BELIEVE ALL OF US ARE READY FOR CLASS ACTION AND FIGHT THIS RIPOFF.
WE WORK OUT OF CLEVELAND AND OUR BRANCH WHERE WE OPEN THE ACCOUNT WAS IN WESTSIDE EVANSVILLE, IN WHEN WE USE TO LIVE THERE. WE ARE NOW BACK IN CLEVELAND BUT I DID NOT TRANSFER MY ACCOUNT.
Victim2007
Cleveland, Ohio
U.S.A.
1 Updates & Rebuttals
CB
United States of AmericaSimple Solution
#2Consumer Comment
Mon, May 03, 2010
Your inability to submit a comprehensive report of your problem, and your ignorance of the function of the caps-lock key indicate that you will most likely not understand the solution I propose. But if anyone else reads this, it may help them. I've had Fifth Third for years and never had a problem with them. At midnight every business day, all the deposits you made that day are applied, and made available. If you deposit a non Fifth Third check, they usually make the first $100 available until the check clears. After that, all the withdrawals are posted, largest to smallest. That's how they do it, and they do it the same for everyone. It may be because it makes them more money when something bounces, but as long as you don't try to spend money you don't have, you will never have a problem. Sometimes Visa Check Card pre-authorization will be added for things such as gas pumps. They usually will make a pre-authorization of $50, no matter how much gas you buy. They do this because when your card is processed, they have no idea how much gas you intend to buy, so they have to make sure you have enough money available. The simple solution for this is to walk inside and pre-pay for your gas. These types of transactions are made by the store, and the bank has no control over it. So, depending on when these vendors post the actual transaction amount, your account could show an available balance lower than what it really is. Again, this is the vendor where you purchased something, and they are just following the rules of credit cards, which they can do because of the Visa logo. Instead of the creditor picking up the difference, you have to. Also, keep track of all withdrawals including checks, Visa Check Card transactions, and ATM withdrawals. Make sure they have all posted before you assume that the available balance is correct. This, again, is because some vendors wait for one time during the day to post all transactions for their store. Fifth Third, or any bank, has no control over that. It sounds like you are not keeping accurate records, and are just relying on what the internet banking site tells you is your available balance. You cannot do that unless you keep a buffer amount in your account. My checking balance rarely drops below $1000, so even if I forget a few small transactions, there is enough in there to cover them. Most problems people have are because of Visa Check Cards. You have to remember its not processed like an ATM card, where the amount withdrawn is instantly reported to the bank. Some stores wait till midnight to post all the days transactions. This is the price you pay for convenience.