SarahP1985
New Member
My jurisdiction is: Rhode Island - U.S.
Hello,
I need some help and I'm hoping somebody here can help me. This is in regards to a bank issue. I currently have a Citizens Bank account and it is currently overdrawn due to a bank error.
I have gone into 2 different bank branches in order to receive fees back both of which told me there was nothing they could do about it. I also was told to call the customer service number (1-800-922-9999) which also got me nowhere (they just told me to go into the branch, which I did..about 3 times now.)
Anyway, here's what happened.
On March 15 (a Sunday non-banking day) I deposited $10.00. The next morning, (Monday March 16) it posts, saying I have $17.01 available in my checking account. Then, Netflix comes out for $14.97 (automatic payment.)
I'm charged a $22.00 (my first overdraft) overdraft fee for what appears to be my ATM Deposit for $10.00, and another $37.00 overdraft for Netflix even though had the bank NOT charged the first $22.00 I would have been $2.04 in the POSITIVE.
So I go into the branch with no worries thinking they'll refund it because it's a bank error.
They don't. The teller looks at it confused and goes in the back for about 10 minutes to speak with her manager. She comes back with a letter (see image) and says her and her manager can't explain why it happened. She writes the 800 number across the paper and tells me to call them to refund the fees.
So I call them. They say I am overdrawn because of a $2.37 charged that occurred back on 3/10 even though I had $7.10 in the bank. I say, no this letter says nothing about that, it only lists Netflix and two overdraft fees. He tells me to go into the branch.
I go back. Still nothing except "I'm sorry, there's nothing we can do because this is not a bank error." HOW is this NOT a bank error? I just don't understand!
So now, a week later I am currently overdrawn $127 dollars. I just got off the phone with my branch (again!) and the lady said, (quoting here)
"Can you call back in a half hour? The girl that handles the accounts is on her lunch break, she'll be back by 1:30."
I call back at 1:35.
"Are you the one that just called?"
"Yes"
"Ok, give me your social" (mind you, this is the same girl I just spoke to earlier, why couldn't she do this earlier when I had asked?)
I give her my information and she's looking at my account. "The manager will be able to explain this to you, he's really good at it. Bank debits post before credits so this is why.." I cut her saying, what? That doesn't make sense..why would they post debits BEFORE credits? She tells me again the manager can explain this better.
I say "well can I speak to him or her now?"
"No, I'm sorry he's in a meeting, Monday's are meetings. Just call back tomorrow morning."
End call.
So now, because I have to call back tomorrow morning, chances are they'll be another "debit service CRG" on my account totaling $35.00.
I don't know what else to do. Anyone can clearly see this is a bank error. I'll post the letter (which they never sent me, I went into the bank and had it printed from the teller.)
The letter isn't very clear (no scanner) but you can make out what it says just fine.
Any help/advice would be GREATLY appreciated. I'm not getting anywhere and cannot afford this to go any further than it has.
Thank you in advance,
Sarah
Hello,
I need some help and I'm hoping somebody here can help me. This is in regards to a bank issue. I currently have a Citizens Bank account and it is currently overdrawn due to a bank error.
I have gone into 2 different bank branches in order to receive fees back both of which told me there was nothing they could do about it. I also was told to call the customer service number (1-800-922-9999) which also got me nowhere (they just told me to go into the branch, which I did..about 3 times now.)
Anyway, here's what happened.
On March 15 (a Sunday non-banking day) I deposited $10.00. The next morning, (Monday March 16) it posts, saying I have $17.01 available in my checking account. Then, Netflix comes out for $14.97 (automatic payment.)
I'm charged a $22.00 (my first overdraft) overdraft fee for what appears to be my ATM Deposit for $10.00, and another $37.00 overdraft for Netflix even though had the bank NOT charged the first $22.00 I would have been $2.04 in the POSITIVE.
So I go into the branch with no worries thinking they'll refund it because it's a bank error.
They don't. The teller looks at it confused and goes in the back for about 10 minutes to speak with her manager. She comes back with a letter (see image) and says her and her manager can't explain why it happened. She writes the 800 number across the paper and tells me to call them to refund the fees.
So I call them. They say I am overdrawn because of a $2.37 charged that occurred back on 3/10 even though I had $7.10 in the bank. I say, no this letter says nothing about that, it only lists Netflix and two overdraft fees. He tells me to go into the branch.
I go back. Still nothing except "I'm sorry, there's nothing we can do because this is not a bank error." HOW is this NOT a bank error? I just don't understand!
So now, a week later I am currently overdrawn $127 dollars. I just got off the phone with my branch (again!) and the lady said, (quoting here)
"Can you call back in a half hour? The girl that handles the accounts is on her lunch break, she'll be back by 1:30."
I call back at 1:35.
"Are you the one that just called?"
"Yes"
"Ok, give me your social" (mind you, this is the same girl I just spoke to earlier, why couldn't she do this earlier when I had asked?)
I give her my information and she's looking at my account. "The manager will be able to explain this to you, he's really good at it. Bank debits post before credits so this is why.." I cut her saying, what? That doesn't make sense..why would they post debits BEFORE credits? She tells me again the manager can explain this better.
I say "well can I speak to him or her now?"
"No, I'm sorry he's in a meeting, Monday's are meetings. Just call back tomorrow morning."
End call.
So now, because I have to call back tomorrow morning, chances are they'll be another "debit service CRG" on my account totaling $35.00.
I don't know what else to do. Anyone can clearly see this is a bank error. I'll post the letter (which they never sent me, I went into the bank and had it printed from the teller.)
The letter isn't very clear (no scanner) but you can make out what it says just fine.
Any help/advice would be GREATLY appreciated. I'm not getting anywhere and cannot afford this to go any further than it has.
Thank you in advance,
Sarah
