Citizens Bank Complaint - Citizens Bank Shifting Debit And Charge Dates To Their Advantage
MANCHESTER, NEW HAMPSHIRE -- I have had so many problems with over draft fees the past 2 years. out of the about 20 I received probably only 2 of them were my fault.
Here are some of the examples.
on Friday 3 small purchases went through and the money was in my account. and then on Monday a charge purchase came through. on Tuesday I saw that my account had 4 over draft fees!!! After sitting and talking with the Branch Manager for over 45 minutes still what she told me made no sense.
Apparently even though the charge did not go through until Monday citizen bank told me your money is put on hold. So on Friday even though my statement online told me the money was there they said it wasn't. So not only did I get 3 over draft fees for Friday but then on Monday for the same charge again they charged my account another overdraft fee because now there wasn't enough money to cover it!!!
Thats $156 in over draft fees. Oh by the way as a courtesy they did give me back 1 fee $39
Here is another example.
I ordered Chinese food from a restaurant. The clerk put my card through twice while I was standing there she took it off my card and handed me the receipt.
Thinking this would cause a problem with the bank I personally went into the Bank and talked with the Assistant Manager. I saw that the Chines Food charge had not gone through but also Chinese food refund had not gone through either. I wanted to make sure that I would not be over drafted so the Assistant told me to make a deposit in X amount of dollars and I would be fine. Ya right!!! The next day I checked my bank and bang!!! 2 more over draft fees. I was so angry I went back down to the bank to talk to the Assistant again who was very rude!!! He told me it was not the banks fault even though he told me everything would be alright. I finally asked to talk to the Branch Manager who I could tell wanted nothing to do with it. He went into her office and she slammed the door I could hear them yelling at each other. Finally he comes out and tells me she see me in a minute. 20 minutes later she called me into her office and said that I would have to fill out an affidavit to the Chinese restaurant even thought the refund was given because I had the receipt. When I started to tell her about what the Assistant and I discussed she wanted no part of it and said it wasn't a bank error so they were not going to refund my money. So again I was out $78. I also would like to mention that the dates on debits and charges change all the time so the bank got you so screwed up and thats what they want so they can take your money.
How is it fair that citizens bank practice this way. How can my online banking page to my account be different from theirs. Its robbery if you ask me.
I have finally had it and am switching banks. I hope something can be done about this so people don't keep getting robbed.
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