Citizens Bank Closed my account and intercepted and stole my direct deposit check! Philadelphia, PA Nationwide

Today is Friday, January 16th, 2015. Every Friday a direct deposit (payroll) check is deposited into my account. Today I went to use my card and I was declined. I went to an ATM, it said there was .01 in my account. I call the bank. The bank stated my account was closed by mistake. Okay, that is fine. Open it up and deposit my check, I have bills to pay and now I have no money. I ask how it is that my account is closed when I just checked my balance. (They do not know) They also do NOT know how or when my money will hit my account. They do not know how it was closed to begin with.

 This is not the first problem I have had with Citizens. When I signed up with Citizens I went out of my way to avoid over draft fees. I opted not to allow my card to go below zero. Well, I check my account and my balance is -12.00. Now, I am flabbergasted. How could my account be in the negative. The bank never told me they would charge me $3.00 anytime I used an ATM that wasn't theirs. Not only was this information conveniently left out, they wouldn't refund the $12.00 to my account.

 I have had this bank for 2 months and every week I have a problem with them. And now they have my money and they're saying there isn't anything they can do to fix the problem by the end of the business day.