I have been banking with fifth third for 8 years now and I was part of the constrruction company that built the bank that I use. I am laid off presently and was overjoyed when I got my fed tax return and state return. On the day that I deposited my checks, I had a balance of 209. Dollars. I made deposits of 5102.00 and 249.00. I had the bank give me 200. Of the 5102 deposit. So the final deposit was 4902.13 and 249.00. To cover my butt, I also took 200. Advance from my unemployment direct deposit and applied it to the account. I had withdrawals/debit from my account for 396.06 and pending charges of 48.38. What happened is that FIFTH THIRD says that since I took 200 dollars from my deposit, that none of the funds of federal and state checks deposited to the account were able to be applied and my account was only 409.00. The 209. That origionally there as a starting balnce and the 200 I took an advance on (which cost me 20$ to do that). FIFTH THIRD takes all the debits/payouts and pays them out biggest to smallest. That gives them the abilit to slam us with overdraft fees for as many small transactions as possible. I got hit with a 33. Dollar fee for a 5.76 meal from Taco Bell. I used my card at a Giant Eagle for 3.18 and got SLAMMED with a 33 dollar fee. I see it two ways here, I guess even goverment tax return checks arent a certain thing to FIFTH THIRD and waits for funds, and if FIFTH THIRD tallied up the payouts/debits from my account in the timeline that purchaces were made, the overdrafts would have been a total of 66 dollars.instead they organize them biggest to smallest that day so they can make their money.in all, I got hit with 165 dollars in overdraft fees. I called the 800 972 3030 and spoke with two differant people, one was a regular cust serv rep and she stated there was nothing she could do, so I asked to speak with a supervisor, Now mind you, I am not screaming or being an as*ole to either one of these people becasue I realize they are just puppets for FIFTH THIRD and its not their fault that their company does this. When I spoke to the supervisor, I got the same anwser, nothing that they could do since there had been a recent overdraft that was corrected a couple months ago where it was a situation like this. So if FIFTH THIRD makes a correction or reveses fees for something, no matter the reason, they will not help again. I ended the call by asking the supervisor if what she was saying is that "are you saying that Im Fu*d?" and she said lets keep this to a professional level. I restated the question by asking" are you saying that its ok for FIFTH THIRD to beat me down like this?" Her reply was that she hated thinking I was feeling that way. I had a hard time believing that when shes happy there with a job telling people why they lost their money. How else should a a laid off construction worker feel when half of his unemployment check is taken away by the bank he actually built? I feel disgusted, even knowing that FIFTH THIRD received 3.4 billion dollars from the Federal Bailout back in Jan. Of 2009. I positive they made sure the funds were imedialty available when they got that Federal check.
Thanks to who share my opinion
David Frazie
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