I had a balance of $107 in my checking account and withdrew $103.75, i then withdrew an additional $203.75 so now i'm overdrawn. I then went to the bank and deposited $220 in cash which gave me an available balance of $19.85.
The next morning i called to check that everything was ok with my account then realized that i was overdrawn by $149.00, i then proceeded with the option to speak with a rep who in turn explained that two items were pending on the acct. And that if i deposited the amount before 3pm i will not be charged any fees. Right away i went to the bank and deposited $170 in cash but was still overdrawn by $57.13, i then deposited another $7.35 but was still overdrawn by $49. At this point i was confused and called the bank who in turn told me that i am being charged for the items pending. I explained that i was told by the agent that i will not incur any fees if paid by 3pm. That agent said that that was wrong info and i then asked to speak to a supervisor who in turn said the same to me. I asked if there was any way the fees could be reversed and i was told no, that the items were pending and that i will be charged the fees, and if i didn't pay before 3pm i will incur additional fees. At this point i was furious and asked to speak to a manager which i was told there was no manager available. At this point trying to avoid any further fees i proceeded to the bank to again deposit funds to avoid being charged additional fees, after making my deposit i asked to speak to the manager at the branch who gave me a print out of my transaction and then i noticed that i was not being charged for the pending transactions but for the withdrawals. On that statement at the end of the day i had enough funds to cover all my transactions the withdrawals were cleared but then then pending transactions went thru after 7pm after banking hrs and my funds were put toward the pending which then left my account with not enough funds to cover transactions that were already covered earlier in the day. When i called the bank about this they told me that i deposited the money and then made the withdrawals and other purchases. I explained that i did the withdrawal then the deposits and that the other transactions should not be charged fees as the party have not even been paid but to no avail.
My theory, citizens bank system is built to steal from people, their system places transactions in a way that you will be charged fees even when you're not suppose to be charged.
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