Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
On XX/XX/year> I noticed my account of {$120.00} automatic payment was pending on XX/XX/year>. I pay the automatic payment. It was still given a fee of {$36.00} on XX/XX/year> Saturday morning. I deposit {$600.00} into my account through the driveway due to bank being closed. I had spoke to the representative and explained that my account was given a fee of {$36.00} which shouldnt have not happened due to me paying my full balance. She stated to me being that it was the weekend. I have to wait till Monday When she speaks to the supervisor and will reach back out to me on Monday, XXXX XXXX I did not hear anything about the fees that was charged to my account on Tuesday, XX/XX/year> approximately XXXX. I entered the bank and spoke with the same representative at the drive-through and asked her could she explained How I was overcharged with a fee when I paid the amount. I did not understand what she was saying because it contradict everything she was saying on how the fees work however I asked her could she please be professional and speak to me in a calm fashion matter because I noticed she kept getting loud about the overdraft fee to the point if there was anyone else in the bank, they wouldve heard the conversation I said maam, could you please lower the tone because I do not wish for anyone to hear my issue because is an embarrassment. it got to the point where she jumped up from the chair yelling at me telling her coworkers could someone please come here and tell this guy for the hundred time because he seems like he doesnt get it! I told her it was unprofessional and that it was wrong for her because all I was asking for was help and some understanding because I couldnt comprehend what was she saying? I told her it was her job and responsibility to help a client understand to the best of her ability even if it takes her to drop her communication skills to a child like, because some people have bad understanding and communication skills I explained to her that everything was being videotape and what she was doing to me was wrong, making me feel as if I was unimportant as if she was discriminating once she noticed my account the supervisor interfere and told her please step to the side and go to the back room and calm down and take a breather while she explained to me whats going on and she didnt at first just kept talking to me as if my money in this bank is nothing and she dont need to speak to me as if I was important however I told the supervisor that this was wrong and not professional. All I was trying is to seek some help because I noticed That the bank has been giving me a lot of overdraft fee and is wrong. And it needs to be corrected. I understand when I have fees that need to be paid due to my error or four I have no problem, but when it comes to me being right, and I know for a fact, I should receive the help that I am asking I had called the cXXXX XXXX XXXX  and made a complaint regarding this branch community bank NA in XXXX XXXX, PA XXXX. I explain how I was treated and how I felt all shaped up and confused could not even think straight Made me feel as if I was no one this bank have done this many times in the past charge me late fees, when it should have not, I was told by the branch if money get took in from my account from my automatic payment, I had up to the end of the day to make sure that that payment was in and if for any reason, if the bank was closed, I can easily go to my aunt and just pay it, which is what I have done in the past and yet still received a fee and pay for it I believe that there is a Ponzi scheme going on because the bank is putting people in position not giving them the approximate time go to pay off any automatic payment or withdraw from the account I asked that someone please take the time out to read this and reach out to me due to this was unprofessional and discriminated, and I believe its because of the amount funds showing in my account. I was treated harshly.

Company response to consumer: Closed with explanation