Product: Checking or savings account

XXXX XX/XX/XXXX From : XXXX XXXX XXXX To : XXXX XXXX Office of the Chairman Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX Subj : Response to ltr dated XXXX XX/XX/XXXX OCC Case Number XXXX Ltr Dated XXXX XX/XX/XXXX XXXX XXXX XXXX Case Number XXXX Dear Ms. XXXX, I am writing this letter with regards to responses to the letters noted in the subject Lines of this letter. 
As far as I can see there has been no resolution to these matters. I was impacted by your banks neglect and costs incurred by myself and my XXXX XXXX. Although you did in fact reimburse some charges incurred by your fees you did not in fact make any kind of restitution for fees I consistently paid throughout the months of XX/XX/XXXX through present. ( Fees caused by fees charged ). 

When fees were paid by XXXX they were assessed immediately, when in fact the fees you charged continued to incur many more fees because of your fees. The fact that in some cases you did refund partial fees after months of going back and forth, you in fact continued to charge fees that would have never been there in the first place. As you can note going back in your notes and the complaints to the XXXX XXXX XXXX  the fees were caused directly by problems with your banking system. 

On one occasion I had gone to the ATM to make deposits ( which I always did on Sunday Nights ) and your ATM was gone! On one occasion I had gone to your branch to make deposits and you only had a Large Truck in the Lot with an ATM attached ( But it would not allow cash deposits ) and there were many other occasions. I have made it clear on many occasions that I am in fact XXXX and cant go into a branch and I had to take cash from my Credit Union account to put into your bank because I hadnt received checks from them yet. And if I wanted the funds to be deposited immediately, I would have to deposit cash.

I would make cash deposits and you would charge fees the following mornings anyhow although my account was not overdrawn. Then I would have to spend two days on the phone with people trying to straighten things out and get frustrated and contact the XXXX. That was the only way I could get things straightened out. The Only way! 

So, to get bank to the point when you would charge me fees. I would pay them, and then other fees would be charged on the fees that were charged before I would get my partial refunds. A good example of things and how you have screwed up my account is just take a look at it now. I left it overdrawn just so you could look. I keep getting charged the XXXX for a service to use with my XXXX. It has never worked! I have been online with your tech support on many occasions and cancelled it many times. I still get charged, then you charge me overdraft fees on it, and then you charge me sustained overdraft fees for being overdraw for a period of time. 

This not only causes me grief because of the fees but then on top of it all I must spend hours on the phone with your bank, I must spend hours fixing it all in my XXXX  and so on. I charge my clients XXXX an hour to work on their servers so every time I must deal with your bank it costs me a fortune. And a lot of grief. 

Another issue was your bank stopped payments to my XXXX, XXXX and XXXX accounts which caused me to get by accounts locked when I had to switch them to use the credit union. It took me time to move most of my banking to my new account because I was waiting on my paperwork for my new XXXX  from the attorneys and could not move my account right away because I had to get everything straightened out. In the meantime, I needed to keep a business account open to cash checks made out to XXXX. 

If you would like I can get a Certified Audit of my account, but I would have to pass the cost on to your bank. I got a quote of XXXX. It Would not be so much but I did have between XXXX and XXXX a month moving through my account there. 

You also asked me why I did not get an overdraft account and credit card. Well, that was easy. I was turned down for both through your bank. 

I do in fact have two bankruptcies on my credit file from 7 years ago but was forced to file in order to file a case against XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX because I paid on a home for 16 years through automatic payments and somehow the mortgage I was supposed to have through XXXX ended up with 5 different banks and I owed more than I paid for the house in the first place and had a 3.5 % interest rage. That is with the IRS, DOJ and the court systems ( because they actually threw me and my two children out of the house I paid for while I was in active bankruptcy ) being looked over as we speak. 

If I did not get sick and get stuck at home looking through things I would never have known. I had just paid out XXXX in medical bills to keep my credit good and was forced into bankruptcy by them. 

I do not really have a good taste in my mouth for banks. Actually, did a search and pulled up 64 others ( In an hour ) that went through the same thing with them when they bought out XXXX XXXX XXXX. Could you imagine how many people I could dig up if I spend a few hours looking for overdraft anomalies with Citizens Bank. I own a computer company and have been doing the internet since it was only for the military. Before the had pictures on it for search engines so I do know how to search. 

All I am asking is that you fix my account, give me all the fees that you charged and fees on top of the fees because of the fees and I will leave everything be. I have been trying to move everything away from there and will do so over the next month. It is not easy and takes a lot of time to move everything when I have had that account for 15 years and 90 % of my bills and billing ran through that account. 

If you need me to figure out what that number is, as I told you above, pay me the XXXX and I will have a Certified Audit done to arrive at that number. I tried myself and I am great at about everything technical, but it just gave me a great headache over and over. 

If not, my next step will be to contact the Consumer Financial Protection Bureau and see if they could persuade you or do a search and find thousand of other that have had issues with your Overdraft fees and tell them all how to file with all agencies that are involved with banking practices. 

I am not asking much. Just make your mistakes right. I am not a bad guy but do not like being taken advantage of and getting caught in the circle game your banking system plays with people. 

It just came to my attention that you had changed the name of my company from XXXX XXXX XXXX DBA XXXX to DBF XXXX which caused all of my accounts I was doing XXXX  stopped allowing my deposits and withdraws causing me to lose approximately {$120000.00}. 

I am requesting that you send me my original paperwork from when I opened my account and reason why you changed the name of my company. Everyone that uses XXXX  now do not accept my account. And it has caused me great hardship. Please fix my account. I expect you will do an audit and find what is true and put back and put my company name like it is and has been since XXXX when I opened it and maintained it all these years. 

Sincerely : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Copy to : Baking Files