Citizens Bank RE: Class Action Lawsuit Against Citizens Bank re:WRECKLESS USE OF OVERDRAFTS Pennsylvania Nationwide

First of all, I don't care wasting my time writing to a complete anagonistic jacka**. I have better things to do with my time. I am sick of your ranting and bullying of just about everyone who has a complaint! I spoke with someone familiar with this site and they assured me that your are most likely a lesser educated person who gets paid to offend, persecute, and demean decent people who, unfortunately believed this site served a most welcomed purpose of informing and educating consumers.

By the way, you failed to read rules regarding all reports...you're not allowed to use capital letters. However, since you use them constantly, I am truly convinced you work for this bogus, b.s. site. 

You win, I have no intention of returning. One more thing...the CEO of Citizens Bank sent me a letter of apology along with a check for the unlawful overdraft fee they charged. Why don't you put that tidbit in your next alcoholic drink and mix it with whatever pills you take. You have tremendous rage and found a place to use it, completely unfettered.

Fortunately I have a License to carry a weapon...so consider yourself lucky that we will never meet in person because the chances of you becoming agressive are pretty d**n high!

...The common thread is whenever somebody hits the nail very directly and very squarely on the head, the orginal complainer can't come back with an intelligent rebuttal.  In that instance, out comes the immature "you must work for them" response!  We've seen it here hundreds if not thousands of times!

You insinuate that the majority of the money went to account holders. However, this site: citizensoverdraftsettlement.com/FAQ.aspx#faq18  reveals that " And, of the Overdraft Fees that were eligible, only a portion or a percentage of those fees is payable to each Settlement Class Member as their pro rata share of the Net Settlement Fund."

So, account holders got a portion of their eligible OD fees returned to them. The lawyers each pocketed far more money. Class lawsuits, medical; financial; all, make big monet forthe lawyers. That's why their willing to take this cases on. Each lawyer took home far more than each account holder.

And as a lot of posters do, when you can't argue with the message try to discredit it by complaining of grammer, spelling, etc. And also resort to the "you must work for them" which is so old and overused that anyone who responds to reports puts on the rebuttal that we don't work for them. And yet the OP still plays that card.

Not only did I close the account, but I immediately enrolled BOTH payees with my new bank. When the payee i mentioned received payment from Citizens Bank, they called me to let me know they had received TWO payments for one month. THAT is how I found out about the unauthorized payment from Citizens Bank.

Whoever you are, you are terribly contentious and appear on this site quite often, perhaps as a shill, to scream "IT'S ALL YOUR FAULT" as loud as one possibly can in writing. You do not bother me in the least. Since this site is for relaying a variety of consumer complaints, which can thus act as an informational and educational forum for others who are living in this same debt ridden country, I'm going to "GUESS" that you're either a bank employee, politician or lazy bureaucrat who's own insecurities are quite obvious.

Having practiced Constitutional Law for 27 years, I can assure you that not all class action suits are designed to line the pockets of lawyers...those would mostly be MEDICAL class actions. The suit I referenced in my original complaint had, as most class action suits of this nature do, set up a separate monetary fund from which the attorneys had to SPLIT a prescribed amount of money. The majority of the funds distributed in this class action was SO LARGE for the consumers that it had to be split up in two parts on two different dates. 

Before you go off on your childish tantrems, may I suggest you take something for you grammatically incorrect and bullied outbursts! It also appears that your rebuttals are almost exactly the same...perhaps you just "cut & paste" to rebut ANY comments on the banking industry. Hence I conclude you have no original thought or care to share positive critiques for those of us with real concerns. 

I hope you get the help you need, and I hope my comment will help others avoid a similar situation. After all, isn't that what this site is for? Stop obfuscating peoples concerns with your, obviously liberal minded bias. 

It was YOUR account and its up to YOU to manage it!  It was UP TO YOU to advise any merchant who YOU gave permission to automatically debit YOUR account, the account was going to change and up to YOU to cancel said automatic debit.  It was YOU who failed to do that and it was YOU who GAVE YOURSELF the overdraft fee, plain and simple.

You can blame any government agency you wish or and government official you wish as nothing more than a sorry, immature smokescreen to deflect the blame.  However, its all pretty easy to see it was YOUR failure to manage YOUR OWN account.

Let me save you the effort.  Don't bother writing back, "You must work for them".  I don't!

1. " Upon opening my account I told the woman that I did not want overdraft protection"  Actually overdraft protection provides the protection for the account holder and limits OD fees charged. The protection is prvided by another account (credit card, savings, line of credit, etc). If something presents against the checking account and there's not enough money to cover it, the money is transferred from the protection account to the checking account. There's a one time per transfer fee accessed instead of a one per item (up to seven per day) OD fee. If you told them you didn't want protection that means you left your account open to OD fees.

2. "but they also charge $6.99 a day for up to 10 days! Did I mention that this additional fee is nowhere to be found in any of the documentation I was given when I opened my account?" It would be on the Schedule of Fees & Services. I found it here on their website:  https://www.citizensbank.com/pdf/overdraft/RegE_Citizens_4-27-14.pdf

3. " I told them I would set up  two payees" You don't mention if you set the automatic payments up with the companies or with the bank. Either way it would have been your responsibility to cancel the payments once you decided to close your account. Telling the bank you intend to close the account does not cancel any automated payments you ave set up in bill pay. YOU must go in and cancel these, with the company or with the bank. When the item is presented the bank's decision is "do we pay or do we not pay", this decision is made by back office who would not have been aware of your intentions to close the account.

4. The class action lawsuit was settled in 2012, good luck on starting a "secondary" one. By the way, the only people who make any money on a class action lawsuit is the lawyers. The people in the class , if they get anything, get far less than they were charged.

5. The only "wrong" done you was by yourself not cancelling the autopays. The bank did everything per their standards as explained in the paperwork you got at account opening.

6. To anyone who wants to know if I work for this bank, I don't. Just trying to explain why what happened, happened. It would have at any bank.