Charter One Bank - Citizens Bank Citizens Bank Unethical transaction manipulation to genereate outrageous NSF fees, Internet

I learned today that charter one will rearrange trasactions already paid and posted to the account at midnight at the end of the day if the available balance has gone under in an effort to generate more fees than the consumer deserves or has warranted.

in other words:  transaction that post as paid to the account can later be treated as if they are posting for the first time if the system realizes that the account has been overdrawn with "pending" transactions to so-called justify the top down rearrangement that will ultimately generate more fees than if the transaction activity weren't manipulated.

these fees then interfere with the consumers available funds to pay the pending chargers, thus resulting in additional fees - often hundreds of dollars in fees.

I am interested in joining a class action lawsuit against these unethical practices.