Fifth Third Bank - Dowagiac made two instances of egregious error and refused to acknowledge them.
1) Allowed an automatic bill pay on a closed account. Paid the bill and then assesed overdraft and insuffucient payment fees to the account.
This went on for several months without any notice to me of the issue. The fees the bank allowed to accrue was $256.
The first notice I received that something was wrong was a bill from a collection agency.
I protested the action to the bank. They refused to help since the collection agency now owned the account (it was out of their hands). I disputed payment to the collection agency. They refused to help and demanded payment. My credit history had taken a hit so all I could do was pay the collection agency rather than have my credit continue to be damaged.
2) Implemented an overdraft account (ironic - isn't it) without my authorization in 1998. I never received a statement for this account - nor was any record of this "protection" displayed on my normal checking statement.
The bank has been issuing a monthly fee for this account plus assesing late fees for non payment of the monthly fee since inseption. Total fee amount they assesed was $2,928. Yes folks - this is just FEES.
The first notice of a bill was 30 days after I closed the checking account. The Bank has admitted that they do not have any evidence of my signing up for the overdraft protection account. However, they are demanding payment and are threatening to send this to collection if I do not pay.
Sure could use some help with this.
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