Consumer complaint received 2022-01-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This is my 3rd invoice concerning Santander Banking I would like to speak to a Government Representative for CFPB XXXX as it seems prior to this fraudulent incident I am not cell phone literate. There are many New Yorkers that depend on their landline not cell phone. The reason for this is my cell phone connection is horrible. This is why I set up my Santander alert messages with my email account. 
The last statement sent to me on XX/XX/XXXX from Santander manager " XXXX XXXX '' is inaccurate and fraudulent. I will go to the Attorney General if need to be! 
My negative XXXX $ was taken out of my account with no alert prior to the transaction. Because of this I was not able to pay my XX/XX/XXXX rent. Furthermore, to say I did not get a phone alert is preposterous and to say I did not set up an account until after this transaction is unethical. 
Yes, I set up cell phone alerts! But, I stated to the representative I will still pursue this unethical issue " regardless '' even after SHE requested for me to program cell phone bank alerts. 
But, this is her job to skillfully misrepresent information to impoverished account holders. 
It will be helpful and can prevent this type of issue from happening in the near future. 

Yes, for people that depend on their cell phone for daily usage and daily transactions. I am XXXX XXXX XXXX I am not one to use a cell phone only to send a message sporadically. 
The bank is penalizing me because I did not set up alerts via cell phone? 
The bank did not email my alerts electronically. 
For 2 years I utilize my checking account because my checking account is what I use for all my transactions Now, I have to be penalized because this bank did not send me an alert to my email. This is preposterous. Banks are in a financial crises since and before this pandemic! Because of financial opportunities swindling funds from low-income consumers is on a rise and it is misfortunate banking electronical systems are adequately responsible. 
The last ( this is my 3rd request for reconnaissance of my funds ) memo I received from XXXX XXXX XXXX has to be investigated. 
Can you review her statements in paragraph 3 and 4? I check my statements and the amount of money I have in my checking account to cover the check!! 
I have to because I am on a fixed income. 
I can not afford to hand over XXXX $ cash free to a bank for there profit. 
In her memo XXXX XXXX claims XXXX was refunded to a negative {$740.00} I only had XXXX in my account. She says the electronic system does not verify -negative transactions. Yet, the automatic system will pay for the XXXX $ check. 
A negative XXXX XXXX How did the their electronic banking system know in a few days my XXXX check will be in my checking account. The Santander banking system recognized my deposit on the 3rd and automatically penalized me for XXXX $!!! 
This transaction was set up to get XXXX $ cash free!!! This is the last document received from XXXX XXXX XX/XX/XXXX. A copy of this document is attached to this complaint following previous documents I sent in the last 2 complaints. Regarding this banks aggravating service towards me.

I will continue to fight for humanity and consumer rights! 
I understand how bank entities profit. This is an abomination

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation