RBS Citizens Bank Account Or Service Complaint

RBS Citizens Bank account or service department,

Other bank product/service Problems caused by my funds being low Massachusetts

In - I was a victim of Citizens bank 's aggressive and unfair overdraft practices. For the past 6 years I have tried to resolve this harm. Rather than resolve this harm Citizens has damaged my credit, sent aggressive debt collectors to harasses me and my family, and have ignored my honest attempts to fix this wrong. I beg the consumer financial protection bureau for help. The Citizens Bank representative - - ( Office of the Chairman - ) has not responded to at least - voice messages left in - and has not followed up within the 60 days that was promised during our last correspondence ( - -, - ). The damage to my credit is costing me a great deal of money. It is also preventing me from applying to a mortgage.


Citizens Bank did not pay or rebate the fees in my case because my account was overdrawn. Think about this. Citizens charged me $700.00 in fees through unfair overdraft practices- then refused to remedy my case because I was overdrawn!!!!! Here is exactly what happened : - weekend -, I took my father to lunch on the Sunday. On Monday my account was negative over $800.00. How? Citizens put the - lunch through as the - transaction and then processed the smaller earlier transactions from Friday and Saturday. In total I was charged more than $700.00 in fees. The branch manager would not refund this fees. I closed my account and told them I would never pay. I never paid. I never gave affirmative consent to the overdraft account. I would never agree to pay a $35.00 overdraft fee for a $1.00 cup of coffee. The $700.00 turned into more than $1000.00 and then according to - debt collector $2500.00. I have been negatively affected by Citizens Bank 's poor consumer department, and the negative reports on my credit ( that has costs me huge in all aspects of credit ). The policies that affected me were : Did not obtain affirmative consent from its customers prior to processing transactions that resulted in overdraft fees. Manipulates and reorders transactions so that it can increase the number of overdraft fees it imposes. Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and consequently, the amount of overdraft fees. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions. Violates the consumer protection acts of certain states through its overdraft. My rights as a consumer have been violated for 6 years. I demand this is removed from my credit report.