Consumer complaint received 2023-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, my name is XXXX XXXX XXXX. I am a client of Citizens bank and I am being subjected to abuse of power and I am losing my money with fees that are not appropriate and are being applied indiscriminately. I have been claiming this for some time now, I am referring to the overdraft fee It all started this last time with a transaction that I was on XX/XX/XXXX in payment for the value of {$10.00}. 
XXXX. This transaction is carried out by the destination bank through the house where I had cleaned the bank card as I had no available balance in my account from XXXX XXXX the transaction went directly through my bank, which one refused to pay the transaction How I repeat myself having protection against about 33 days after XX/XX/XXXX this transaction appears account statement paid without my having requested it again because it did not prosper I had already solved this problem and paid that amount and never present that payment to the bank again, that is, what is an unauthorized transaction is a transaction unknown to me that appears in my bank and causes me an envelope which caused being in this way that the bank, by mistake of having counted a transaction that was never requested by me or was never the attempt to pay for that transaction, found out on XX/XX/XXXX, 3 days before, when the bank declined the transaction and everything was already there the bank owes me at this moment {$45.00} she overdrawn my account so I make a transfer to another bank, for the value of {$120.00} more in XXXX payment of XXXX that was returned because the trip was canceled plus another payment of XXXX from XXXX which the bank already generates an overdraft for me again for {$100.00} I pay the {$120.00} I pay the other values were occurring in overdraft itself having the same the bank is owing, here I make a question, I pay this money, I also try to pay {$100.00} of the value of the video, true or true, or the three overdraft, same when this amount. It should never have been increased or to my debit balance since it only proceeded the next day in case I did not have it. the overdraft, he cost overdraft which I made I had already paid the {$120.00} and the other values were included an overdraft until the bank owed me {$45.00} but when doing an accounting operation contrary to the original when the pending debit transactions and when I added the transactions pending did not correspond to my final balance a balance is available which accounting must be like this, But they were already indiscriminately including the value of the {$100.00}, violating the accounting rules, to my balance of fingers to make it impossible for me to cover this corrected issue, so I was only left with a value of {$33.00} below what I had to pay, which included {$45.00} that the bank owed me and had not given me back, not that they were added to my balance of 2 plus {$100.00} of overdraft that they still have not told them had been paid and the lottery bank dated earlier than what really should have been For which How do I say a difference of {$100.00} between my final balance and my available balance even when accounting How should I proceed I was smoking the pending credits by lowering the pending debits, Even with so many clear and obvious violations of the accounting rules and twists in my balance, I called the bank and unless I set up a chat with the bank and online4 specialist they left me waiting and I always had to come back because a new one appeared after a long time with the tablet did not give me the reason He told me that I was wrong And that all the procedures were being carried out in the legal way they comply for the {$10.00} which they should have mediated immediately the same as it was but they did not give me the {$35.00} of that {$10.00} either that the bank well indiscriminately, When I put the claim for the {$10.00} they automatically decide to cancel the debit card claiming that this payment was a fraud Inter to which is a lie, because I am sure and it is evident that it is an error by the bank or most likely an act of bad faith to harm me because for some time now I have been treated with abuse of power indiscriminately and in violation of bank consumer rights policies, they for no reason or for a futile reason deprived me of the right to access XXXX they withdrew my right to do bank transfers and now they cancel me and ask for a new card keeps my account will overdraw with XXXX Dollars after depriving me of having access to any way to make deposits in my account and when they owe me XXXX, XXXX, XXXX, and XXXX, XXXX total XXXX Dollars of overdrafts not proceeding plus XXXX from an unauthorized payment by my bank error plus XXXX for a transfer to another bank that generated an overdraft even when I covered it on time and I was charged with XXXX Dollars of fee by my other bank product to the reversal of funds. I request a review of my account to be able to verify all these arbitrariness that are committed against me and please so that I have my XXXX Dollars that the bank owes me, even owing me XXXX Dollars, they gave me an overdraft fee again today of XXXX Dollars because it keeps my negative account with XXXX Dollars and they owe me XXXX dollars, For some time now I have been having bank transfer transactions reversed for no reason after being paid by the bank, they apply the overdraft to me and without envoy, later they reverse the transfer that caused the overdraft but they never return the overdraft fee of the TRANSACTION reversed by them and that caused the overdraft. Thank you very much I hope you can help me because the bank definitely does not want to and is justifying its violations and discrimination before me. there are distortions in the balances in my account which is evident it is very clear Thank you very much XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief