Citibank Bank Account Or Service Complaint

Citibank Bank account or service department,

Checking account Problems caused by my funds being low California

I did not have enough in my bank account to cover my ACH $97.00 insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a $34.00 NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between - or $12.00, which is confusing to me ), which put me overdrawn again. I transferred another $100.00. Now I see I have - overdraft fees, for a total of $68.00 in overdraft fees and $34.00 in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed


Which is it? Am I able to be charged both NSF and overdraft on - transaction? Do n't they mean the same? This is n't the - fishy thing that 's ever happened. - they decided, all of a sudden - month with no notice, to start charging $11.00, then $13.00, then $12.00 ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said Oh we did an audit and you 're supposed to be paying $10.00 for the savings account ''. I then asked why they charged me - different amounts, none of which were $10.00, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that -, and I still have no answer besides an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and - smaller - on previous Friday. They processed the bigger later - and levied a fee on each of the - smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this.