Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

on Friday XX/XX/XXXX i went into my local branch to pull money out for my rent. at first i pulled {$400.00} out and got my teller receipt. and notice that i still had {$93.00} left. i asked teller XXXX. is this correct because my online bank said less. and i show him my phone, and he said he didn't know why it said that but what he says on his screen was correct that i had XXXX i asked again are you sure? he said yep all your transactions have gone threw that is your actual available balance. i said OK cool let me pull {$90.00} out then. he said ok and gave me the {$90.00} dollars. as im currently in dispute with the bank for XXXX XXXX XXXX for two {$35.00} over draft fees and money they took out of {$1.00}, {$6.00}, {$16.00} from XXXX going in and taking money out putting it back in. and messing my account up. before these unauthorized transactions started happening. so im waiting for that money which they have not gave me a provisional credit to my account yet. so the mean time while im on the phone with customer service i asked about why i was XXXX negative. i told her what the bank teller told me she dont see were he would of told me why i would have that amount.then she said it looks like your going to have another {$35.00} over draft fee, i said oh great that's lovely. she told me to go to the bank and take it up with them. i told my self if something like this happened again i was just going to close my account down.on XX/XX/XXXX i had my boyfriend go to the bank for me, to deposit {$37.00} dollars to bring my account current, and he did. so today on my day off i went to the bank and spoke to XXXX one of the bankers and i told him. i would like to close my account that i said the next time that something like this happened again i was going to close my account, so please close my account he said ok ill be right back. he went in and i guess he was trying to help me out and went to talk to the bank manger XXXX. about 3 mins later the both walk back into XXXX office and the bank manger had two papers in her hand she said 'hello XXXX XXXX did you put a tip down when you were at XXXX XXXX. 'yes i did '' she said yea its never a normal amount when you go out to eat. i said right i was trying to even the amount. she said well thats the problem and thats why you have and over draft fee. i said ok well i still want to close my account im just done. she continue to still talk about the fees and im like cool can i please close my account? she still kept talking about the problem and i told her i didnt care i just want to close my account and leave please can i close my account, please please, please i would like to leave and close my account and i said to XXXX can you leave i dont really like talking to you and im done here and done with you so shoo off. she said no im the bank manger i dont have to go any were! i said im requesting you to leave. she said you know blank if your account was straight you would not have this problem, and i said well i forgot and she was like so are you saying its the banks fault? then i was like yah i guess so maybe they should have a fast update. i said well anyways why am i still here talking about this XXXX can i please close my account down. she like " well you know blank i was going to offer you something but im not now because you want to close your account i said sure you ya right your famous for " no '' and she acted appalled about it and tried to drag XXXX into it but XXXX did not want to be in the middle of it, so he didnt say anything. i said dont believe that one min you were going to offer me something. i said can i go? and close my account i said common XXXX please can i close my account. then XXXX said " XXXX go ahead and close her account not because she wanted because i requested it. and im like ok finally. on my way out i didnt get im sorry or thank you for banking with us nothing ... nothing at all got my XXXX cents and was on my way. so i was very upset leaving i went down to speak to XXXX at branch XXXX i stressed my concerns with her and told her i was in the middle of a claim and wasn't for sure how i would get my money back. she told me it would probably be best to keep it open until then you can do whatever you want after that. i said OK and i re opened it at XXXX put a dollar in. then XXXX asked did XXXX tell you about are protection i said yes and i don't like it because im still paying something to the bank and i fell that is not protecting my pockets by them taking {$12.00}. she said well there a free way to do mobile alerts has anyone told you about that and i said no. so she told me about the text and mobile banking app alerts and i told her i will keep that in mind if choice to keep this bank and i went on my way so im requesting in itemizing below : 1.XXXX the bank manger to be fired at XXXX 2. she was going to offer something now i feel in tiled to something for my inconvenience embarrassing yelling at me of the {$35.00} over draft fee of XX/XX/XXXX 3 .XXXX refund : {$1.00}, {$6.00}, {$16.00} and two {$35.00} over draft fees from XX/XX/XXXX transactions. 
4. they need to update the whole image and there online banking and stop saying no for every little thing