Okay I am starting to understand this new system, but some advice to fifth third bank make sure your empolyees understand it so they can explain it to the customers correctly. When it first started out I did'nt ever get the same or correct answer so I just started figuring it myself.
But about a week ago I new I was going to get a fee for 99.00 had check come out that should have come out a month ago. (that's another story)
So my husband went to one of those loan places. We had to get a loan to cover the 99.00 which was in my error and I totally understand and will take to fee.
But when my husband went to make the deposit the bank had already close at 5:28 so he went to go through the drive threw well that was closed as well. So he had to drive around the building again and went threw the ATM and he completed his tracastion at 5:31 I keep the receipt.
Now if you deposit cash before the end of the day it will hit your account right away. Trust me I have done it before. And have been told by bank managers if your pending states you are overdrawn before it acctually hits your account and you deposit cas you not get a fee. VERY TRUE.
The reason I bring that up is because I acutally called the bank were my husband tried to make the deposit in sheffield village in ohio. And spoke with the bank manager Nick and he asked me why I was calling I said because of a fee and he said well I can't even reserve to fee that desicion is made by another person which was not there. I said can you just look at my account.
So I went on the tell him because you closed your bank early I got a 231.00 Fee. He said he was there that day and closed the door himself. Then we wouldn't let me talk and talked over me. Telling me that I would have gotten I fee anyway because you swiped your card that weekend. I tried to tell him that no I wouldnt have because if you deposit CASH by monday (which sat and monday are the same bisness day) then it will hit your account right away.
Then he tells me well I can't do anything about it because your opened your account in the Avon branch and they are the only ones you have the "power" to reserve fees on your account. I told him I know that but you are the reason that I got the fee. So you need to call them and tell them what you did and tell them to reseve it. Well no Then he went right back to tell me I would have gotten I fee anyway. Now this is coming from a Bank MANAGER who doesn't even know how the system works. That's sad.
So I called the Avon branch spoke with Sue the bank manager there she was nice about it and SHE told me that I WOULDN'T have gotten a fee if the deposit went in that day. UMM She then told me she couldn't reserve the fee and to mail a letter to her bank and she would give it to her manager which ened up being in elyria where I work. So did one better I faxed it. You all know mailing thing will take forever.
I faxed the letter on Wed and missed a call from Sandy in Elyria on friday tried to call her right back of course got the voicemail.in her message she told me she would call me on monday. Well stupid me I beleveied her and she never called. So I called on Tues left a message she never called me back. Then I look at my account on Wed and was overdrawn again 132.00 because she never called me to help and reserve the fees. So I called her until I got answer.
She went on the tell me that she spoke with the bank manager nick at the sheffied office and he looked at the tape and stated that my husband was there 40 seconds before 5:30 and he already closed the doors. So I cut her off and said so he did close EARLY. She didn't even respond to that and went right into well do to your past overdraft history I said that has nothing to do with the fact that your bank closed early I don't care if it was 10 seconds early. Then she told me that he goes by a wall clock not the computer clock. Now why in the hell would you do that since you can set the wall clock to anytime you want and the computer clock is set by the world clock.
Then she said well I will meet you have way and reserve 115.50 to your account I said okay and did end the conversation. Then I spoke to my husband told him what happened and he was not happy and after I thought about since I was getting a 132.00 fee on top of the 231.00 fee reservsing 115.50 really was not putting me in the plus. So my husband called her and she told him that she would look at the tape and gt back to him. Which will probably take another week. I will keep undating this. But I HATE fifth third bank and everyone that works their.
Don't ever go there for everything. Because like everyone else on here when it is their fault some how they turn it around on you. Well I am not going to stand for it and I am in the process if switching banks. The only thing is that I have a mortage with them and it's my first I don't know how the switch it over. Anyone have any good ideas.
Amanda
New London, Ohio
U.S.A.
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