Santander Bank US Bank Account Or Service Complaint

Santander Bank US Bank account or service department,

Checking account Problems caused by my funds being low Massachusetts

I am on Social Security - because of an - and I am supported by the Massachusetts Department of -. ( I can supply more detail about my - as needed ; suffice it to say -. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On - -, 2016 I deposited a $2300.00 check made out to me from - ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of $2100.00 ( $1500.00 at - ALONE ) all before the check from - was reported as fictitious on - -. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On - -, 2016 I went with the financial adviser provided to me through the Massachusetts Department of - - to meet with Bank of Santander officials in -, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I


in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on -, and my parents are around - years old. On - -, to show good faith, my father deposited $400.00 in my account at the Bank of Santander. On - - I, again with - - my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on - - I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On - -, my father, acting as my Rep Payee, submitted claim number - to the federal Consumer Financial Protection Bureau but on - - he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me.