RBS Citizens Bank Account Or Service Complaint

RBS Citizens Bank account or service department,

Checking account Problems caused by my funds being low New York

My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over - dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter - the put my account on a freeze. By then it was - dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank - dollars but is still on my chexsystems report. Its killing me on getting a car loan.