Complaint Review: Fifth Third Bank - Elyria Ohio

Before you start getting all out of sorts, I DID used to run up overdrafts CONSTANTLY until I started working at the bank and learned how to balance my checkbook. I have not had an overdraft now in 7 years. You stated that the initial reason the bank did not want to refund your overdraft fees was due to your overdraft history. So according to the bank and you yourself, you have run up overdrafts in the past. That is not balancing a checkbook. We locked our doors 5 min early as a safety precaution to our employees. We did not CLOSE the bank early. You know, one of the companies I used to work for had a timeclock that was off by 3 minutes according to what my cell phone displayed. Our staff was told that they had to go by the timeclock and that was upheld in court. The bank uses computers and not all computers run on this world clock you are talking about. Time can be set in each individual computer. Mine used to drive me nuts because it was 4 minutes slow. I would bet your refund of the fees is a one time "courtesy reversal". I would not look for the bank to refund fees to you again.

I used to work in the banking industry. I was reading your report and I think that you have some nerve to state that people who work in the banking industry are high and mighty ppl think their like famous ppl because they get to play with your money. You got to be kidding me. What does being famous and working in the bank have to do with each other?? That is like me stating that you work in a doctors office and everyone who works in the doctors office are slow and lazy because when we go to an doctors appointment, the appointment almost never starts on time. I understand that the bank closed early, maybe the clock they had was off, or how about the clock that your husband used was off. You and your husband had all day to come to the bank but you waited until the last minute. Also you stated that "Note to anyone else you really shouln't be putting a comment on here unless you have also had a overdraft fee or else you have no room to talk!!!" I hate to break the news to you, but this is a forum. When you post things in a forum people are going to respond and you may not like what is being said to you, but this is something that you should expect. If you do not like this, then maybe next time you should think twice about putting something out on the internet for the world to see. I also think that Nick is full of bs. If he wanted to, I am sure that he could of reversed the fee for you instead of having you go to another branch. I am sure that he has the ability to use a GL to pull the funds out of. If he did not know the number, he could of called the accounting department to get it. Nick just sounds very lazy to me.

Well daneille first let me tell you that I will take full fault for fees in the past, but I went the extra mile for the fact if you state that your bank is open until 5:30 then you better be there until 5:30. If you did used to close your bank 5 min early then you weren't doing your job. My husband did not want 30 seconds before they closed he was there awhole 2 min before 5:30 and it was just confirmed by a bank manager. She reviewed the tape and found that my husband was there at 5:28 and that the manager closed early. So she will be refunding my fees. I work at a doctors office and we never never never close early we are a service just like the bank. It's all about costumer service and I think that alot of ppl will agree with me that no bank that you will ever go to has great customer service. There all high and mighty ppl think their like famous ppl because they get to play with your money. I do balance my check book very well thank you very much. Note to anyone else you really shouln't be putting a comment on here unless you have also had a overdraft fee or else you have no room to talk!!!

The first thing that will help you stay in the black would be to balance your checkbook better. It sounds like you probably live paycheck to paycheck and according to the bank have run up overdraft fees before. Having had managed a bank in the past, I can tell you that people who consistently overdraft will have a very hard time getting any fees reversed. Second thing-if in fact the cash deposit post is true, you should feel lucky. Most banks today will charge you an overdraft for a pending transaction. So that means if you swipe your card on Saturday and the money is not in your account, you will incur an overdraft charge whether or not you deposit cash first thing on Monday. Banking has changed-banks go by the day that you swipe, not the business day that the transaction occurs. Third-Why did your husband wait until 30 seconds before the bank closed before going to make the deposit? If it was that important that the deposit be made, he should have been there waaaay before bank closing. We used to lock our doors 5 minutes before closing, so that we had time to process the last of our customers. Fourth-If you need money deposited immediately-do not deposit at an ATM. Most banks today will put a 2 day hold on anything deposited in an ATM. You are better off waiting until the next morning to deposit cash. Perhaps you and your husband should see a financial counselor who can help you manage your finances better. You are wasting hundreds of dollars on payday loans/overdraft fees. Good luck to you both in the future.