In these difficult times, where money is always a problem I encountered myself depriving me from things that might well be able to afford them but I can’t because I have to support my daily life(Bills, Rent, Food, etc) … but it CITIZENS BANK with Headquarters in Providence, RI has taken the task of charging People multiples Overdraft fees to bring checking accounts in red balance just before they get a work direct deposit (that’s what been happening to me in the last two months and Sir I can prove it!) when I say swindle I’m not been dramatic they have charge me $78.00 for $2.86 and $7.68 that’s more than 700% more! And is not only me but with many people with whom I normally see at work, train or even on social websites. There anything you can do for us? How can we not suffer this kind of bad business practices? Only two weeks I have been charged an average of $ 300!!

I make a normal complain and this are there answer: "Like a Courtesy we are going to return the amount of $78.00 to your checking account and two days later I have $117.00 in overdrafts fees again! with no apparent reason.

Please help!!

We are a new company, this bank has charged us $264.00 in overdraft charges for 2 overdraft of less than $5.oo dollars.

A coimpany make a direct charge on my account so the account was overdrafted for $4.32, so they charge $66.00 for overdraft + $33.00 for returnning check.

Two days latter the company try again to make that charge, but now the account is overdraft $136.32 (thats the original $4.32 + $132.00 that the bank charged me), so they charge me again $132.00.

Total charges $264.00
Charges made by the other company $68.00
Total charges by the other company on the second time $35.00

So we lost a total of $ 364.00

We just open a new account with Bank of America, they charge only $10.00 for something like this.

Angel Suarez

I know Wamu really don't nickle and dime you but they cut back on so much to cover that. In July i had an overdraft fee after i paid my Electric bill. Now my husband and I only paid when we see the post of his direct deposit in. Which has been nearly 4 years of direct deposit from same work place. Always posted on the 14th before midnight. If it's a weekend, it will be post 1-3 days prior. We wait until we see the number appear on the right showing the balance before using it. We paid on the 15th late noon, shows pending and taken out a few days later. On the 20th i see the OD fee. I checked it again and it shows that the bill was paid on the 19th but deposit date has changed to the 20th, that means we are one date late on one transaction. I messaged them online over 5 times, 4 was all canned responses and the fifth a real person who apologized and refund the fee as it was an error in their system that did not post the correct date and changed to 4 days later. This was our first OD fee for over ten years with 4 accounts for me and 2 for my husband.

After that, I am extremely careful. I check my accounts everyday morning, noon and before i go to bed at around 1-2am in the morning. Wamu shows pending now in orange so i check alot to transfer money from one to the other to be safe.

One 10/22/08 at 1 AM or so i checked my account as i am expecting a transaction to go through, did not see a pending or anything at all with a positive balance. So to be safe i transfered in twice the amount in case and went to bed. Hours later at around noon i checked again and see my transfer went in on the 10/22 but the transaction went in on 10/21 which i didn't see hours before. I freaked out as why the date is off. i messaged them and got 3 canned responses. Finally one real person response saying our cut of time if 11pm the night before. If by that, i should have seen the transaction as it was early morning the next day. After more canned responses, i asked them to remove the OD protection over 3 times and they wont even address that. When called in with the problem, i get a rep who say online banking has nothing to do with what they do. Meaning it's a problem that they can't handle or help.

I really hate it when online banking dont have exact updates on their website as they stated. If their cut off time is 11pm, . all transactions should have been updated to let me know, not after the next day. It's useless to have 3 other accounts that have extra money to transfer too.

Since with no help online or phone, i finally resort to file with the BBB, hopefully i get a real response from the company but very little hope as the have a "F" rating with the BBB. (yes, F is the lowest you can get)...most are from non-response from company to boost.

Sorry for the long rant. Feels better now.Thanks