• Report: #558803

Complaint Review: Citizen's Bank

  • Submitted: Sat, January 23, 2010
  • Updated: Sat, January 23, 2010

  • Reported By: Monica — Glens Falls New York United States of America
Citizen's Bank
Glens Falls, New York United States of America

Citizen's Bank will not reverse unfair overdraft fee Glens Falls, New York

*Consumer Suggestion: The school owes you.

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Recently, I used my debit card attached to my Citizen's checking account to pay part of my UAlbany orientation fee.  

The school made a mistake and initiated an $80 charge instead of the $10 partial payment I'd authorised.  They reversed the charge the same day, and charged the appropriate $10.  

However the $80 was still on hold in my account, creating a negative 'available funds' balance.  I had $31 in the account, to cover the $10.  When the $10 charge posted, however, it posted against the negative available funds.  

Consequently, I was charged a $39 overdraft fee.  I called the bank, figuring that since no actual overdraft occurred (the $80 was never actually claimed by UAlbany), they'd reverse the fee.

Instead, I'm told since it's not a bank error, they can't reverse the funds.  I was told to contact the merchant (UAlbany) to request a refund of the fee.  Even the student financial center representative I met with, in an attempt to get the fee as suggested by the bank in my first phone call, spoke to the bank during a second call.  He argued with their supervisor at their customer service phone center on my behalf for close to 20 minutes and got no further than I did.

So Citizen's Bank is making a profit off me.  I am a disabled college student, living on SSD and stdent loans.  And they are making an unfair profit off me.  I willingly pay overdraft fees that are my fault.  But this is not my fault, and I'm still out $39. 

This report was posted on Ripoff Report on 01/23/2010 05:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Citizens-Bank/Glens-Falls-New-York-/Citizens-Bank-will-not-reverse-unfair-overdraft-fee-Glens-Falls-New-York-558803. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

The school owes you.

AUTHOR: Robert - (USA)

The school owes you a refund of the $39 UFF.  You should demand reimbursement from the Bursar's office.

If necessary, send the school a written demand for remittance.

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