Eastern District of Michigan dismisses $2 million wire fraud suit against Fifth Third Bank

Wire fraud
Hegira Health Inc. v. Fifth Third Bank N.A.
Date: July 30, 2026

Issue: Under UCC Article 4A, did Fifth Third Bank use commercially reasonable security procedures and act in good faith by not preventing $2 million in fraudulent wire transfers from customers’ accounts?

Case Summary: A Michigan federal court dismissed a lawsuit accusing Fifth Third Bank of violating Uniform Commercial Code (UCC) Article 4A by failing to use commercially reasonable security procedures and act in good faith to prevent more than $2 million in fraudulent wire transfers from customers’ accounts.

In July 2025, Hegira Health Inc. sued Fifth Third Bank, alleging it failed to detect and stop a series of fraudulent wire transfers after an imposter gained access to its accounts. According to Hegira, in May 2025, an imposter posing as a Fifth Third Bank fraud prevention officer obtained Hegira’s login…

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These frauds exploit emotional vulnerability and trust rather than technical weaknesses.

• Romance Scams: Scammers build long-term online relationships with victims, eventually fabricating a “crisis” (medical emergency, legal trouble, or travel costs) that requires the victim to send money.
• Pig Butchering: A hybrid scam where the criminal builds a romantic or platonic relationship to eventually “tutor” the victim in a fraudulent cryptocurrency investment.