Consumer complaint received 2020-01-23
Company: CENTERSTATE BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I had a transaction post to my centerstate bank account of an online bill that I paid ... There is one major problem with the transaction coming thru my bank account on fri the XXXX, because that's the day I made the payment and it should have come out of my checking account the next business day which would have been XXXX XXXX I transferred 2 deposits on Friday XX/XX/2020 into my centerstate bank checking account to cover the payment that I made on XX/XX/XXXX, both of which were available for immediate withdrawal and were not being held for any reason and I've done this numerous times in the past the exact same way, nothing different..As a matter of fact, I withdrew {$200.00} from my centerstate account on Saturday XX/XX/2020 and there was still enough funds available in the account for the charge to come thru that I knew was coming thru ... Through the entire weekend, there was no negative balance on my centerstate account.. 
Then comes Tuesday XXXX XXXX and suddenly I have an overdraft charge apparently from the prior week that this bank somehow decided I owed them from the payment I made on XX/XX/XXXX, and my credit card payments posted to my account..All of this showing up on tuesday XXXX XXXX ... I went to the bank and deposited cash to cover the overdraft and negative fees on XXXX XXXX and then I called the bank and no one could explain to me why I was charged an overdraft fee with available cash in my bank account or since when did the bank start considering Saturday and sunday as a business day since that's the only thing that could even start to explain this situation with the overdraft fee..especially since I did everything the exact same way I had in the past and never got overdraft fees tagged to my account before..And now, this bank is living up to its reputation once again and changing its rules for how it handles their " policies '', which apparently changes from individual to individual and I would hate to believe that this bank practices discrimination and changes its rules depending on who they are dealing with.. I have had similar issues with this bank in the past and I gave Centerstate bank the benefit of the doubt several times before..But it's starting to look like they practice discrimination based on male or female or ethnicity or something because with me doing the same things on my end and this bank changing its rules routinely and I'm not able to do business as I'm accustomed to doing with them, there has to be a reason and it may be incompetent people in positions that they need not be in..on XXXX XXXX, I had 2 more transaction come thru both of which I paid on XX/XX/2020 to cover 2 Bills and it sent my account negative ( which I was aware of ) and once again I deposited money into the account to cover those charges, and again, they denied the charges with a positive balance in my bank account to cover the balances..and now I not only have to deal with this bank charging me overdraft fees to the point of madness, I have to now pay return fees on both credit card payments that I made that they returned costing me approximately {$200.00} total between bank fees and return fees from credit providers ... As of today XXXX XXXX, I spoke with a bank manager and I asked her since I routinely transfer money into my bank account and it shows as a positive balance in my bank account, how can I withdraw money from an account if the bank doesnt yet recognize the transfer and the fact that there is money in the account ( which is exactly what she attempted to tell me is going on with my transfers into my bank account ) and she was at a loss for words because she couldnt explain it and no one else would be able to ... At this point, I am seeking a permanent resolution to how my account is handled up to and including cancellation of this account because I'm not in the business of being ripped off and thats exactly what's going on here rather they want to admit to it or not..Unlike the average person, I am aware that banks get their awards and elite statistics not by how great they treat their customers, but by how much money they make off of the backs of hardworking people who cant afford to be ripped off, but routinely are by soulless banks with their ever changing policies and overdraft fees etc ... this is all a part of the many ways banks make money for bonuses and other reasons and I for one and simply sick of it..This bank and its practices are disgusting and I. Sure I'm not the only one with these experiences from centerstate bank..These are actually Deceptive practices in nature and I intend to have it investigated by higher authorities ...

Company response to consumer: Closed with explanation