Dear sirs, I have never found it necessary to write a grievance letter before.infact I would have written sooner had I realized my attempts to resolve this issue were nothing short of futile.
September 8 the Incident took place at citizen's bank on Park Ave in Cranston RI. I went in to the bank to make a withdrawal for the amount of 260.00 dollars to pay a bill. I then asked the teller for a receipt. She informed that they didn't give receipts with withdrawals, but she would write down my account balance for me. I was then handed a post it which read 180.00 dollars. I left the bank believing that. Over the course of the next 2 days I used my debit card spending no more than 50 dollars on little odds and ends. I then proceeded to check my bank account balance by phone. Much to my dismay not only was my account over drawn by 50.00 dollars it also had accumulated over 500.00ollars in just over draft fees. I could not believe my ears. I immediately contacted the bank to square away the situation. Unfortunately I got absolutely nowhere. I was told that although the bank gave me inaccurate information it didn't matter because I should have written it all down. My point is I always check my account either online or by phone. I do not keep a log of checks due to the fact that I don't have checks I only use a debit card. This was the first issue I ever had with this bank. I firmly believe that I am being treated unfairly. Think about this really, 500 dollars for 50dollars of charges after I asked for the available balance. What did they think I was just kidding when I asked them? I ask and check constantly because our family lives pay check to pay check due to the fact my husband was in an accident making me the sole provider for our household. I'm sorry, this seems absolutely ludicrous to me. I can't help but think of the other unfortunate people struggling in today's economy especially the elderly and disabled. I wonder who's helping them with their finances who's making sure there not being taken advantage of. How long would something like this go on for before anyone even noticed? But I digress. Normally if I had the money I would pay them off and be done with it. Well this time is different. As I mentioned early I am the sole provider of this household that also includes our 16 year old son. Why should I pay the bank more money than I make in a week for a mistake that I honestly believe was not my fault.
I would sincerely appreciate your help and support concerning this matter. If it were up to me I would say the fairest way to resolve this issue would be for me to pay the bank back the original 50 dollars excluding the 500 dollars in extra fees. I would also like my situation to be acknowledged by check systems so my credit will not be affected. I would be grateful if I could have your assistance concerning this. Citizens won't even acknowledge that this might be an unfair practice. They only seemed to shift the blame back to me retorting with you can't believe your online account balance and you can't count on the bank to know your correct balance. Well if that is in fact true then the bank shouldn't be telling people information they know for a fact may very well be inaccurate. Haven't the banks been bailed out enough? Thank so much for taking the time to read this and giving me the opportunity to have a voice I can only hope my humble message is heard. I'm hoping to resolve this matter before deeming it necessary to contact various media sources.
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