coast
USA#2Consumer Comment
Sat, December 25, 2010
You kept using your debit card when your balance was -$38. Bad idea.
Steve
Bradenton,#3Consumer Suggestion
Sat, December 25, 2010
No rip off here. Bottom line is you knew the terms of your account and failed to properly manage that account.
I see that you engage in a pattern of using your debit card for multiple small transactions like $2, $5, etc.
This is a recipe for disaster, as you have found out.
Especially when you run your account right down to nothing.
Very careless, and not the bank's fault at all.
You failed to properly manage your account.
And, under the new banking regs you have the choice to opt out of autorization for negative purchases. Your $2 purchase that overdrafted you would have been declined.
My advice? Always keep a $100 cushion in your account, and keep an accurate checkbook register. Problem solved.
Oh yeah, stop making the multiple $2-$5 debit card transactions. That is just plain stupid.
Bruce C
United States of America#4Consumer Comment
Sat, December 25, 2010
It does seem like Citizens Bank, Flint, MI is embroiled with troubles. More troubles that I want piggybacked on my money.
I was involuntarily switched to Citizen's Bank when they bought Fidelity Bank. Immediately the professional banking staff I was familiar with disappeared. Now they have rather young managers with no apparent education in banking and elderly woman who didn't seem to have any prior bank experience.
I had to close out my accounts. I just couldn't trust them with my money. The failure of Citizens to recognize well trained professional staff is essential to their survival during these difficult financial times is going to be their downfall.
My sympathy to those Citizen's customers who are being mistreated.
proudusmcwife
United States of America#5General Comment
Wed, October 20, 2010
Seriously. Stop spending money that you don't have. If you didn't do that, then you wouldn't have had to paid any money in overdraft fees. This negligence by your part. Not the banks. If you look at your bank records it was obvious that you were spending money that was not in your account to cover the cost. Take responsibility for your own actions. Quit blaming others. Grow up and fix the problem yourself. My goodness. You are an adult. Time to start acting like one.
Ronny g
North hollywood,#6Consumer Comment
Wed, October 20, 2010
yes...anyone can make a mistake on the register..and yes, we need to be responsible for our mistakes...
But I must ask..why are you opted into overdraft protection on the debit card? Recent regulation changes no longer permit the banks to automatically enroll you, or force you to enroll. So, YOU had to do this by choice and physically sign up for it, or the bank is in major violation of Federal regulation.
Sad to say...you are personally responsible for the fees unless the bank is in violation.
I HIGHLY suggest you be more careful with the account register..and PLEASE for your own sake tell the bank you want to opt out of overdraft coverage on the debit card. You are getting fleeced by small transactions at $36.00 a piece. Wouldn't you prefer that the transaction was declined if the account could not cover it due to a "mistake" and avoid any subsequent fees?