Citizens Bank, New Hampshire

The purpose of the law is to protect good citizens from criminal acts. To write ambiguous laws, making criminals out of good citizens, is wrong, but common place for the sole purpose of government dominance. NYC is arresting Ryan **, a US Marine that checked his own legally registered pistol into the security of the Empire State Building, before entering, is now facing jail. Sean **, a Navy Seal, is placed in the funny farm, under the term, he is incoherent for traveling through NY with a registered, unloaded pistol in his vehicle. A 100% combat related, service connected, disabled US Marine is put in jail in NH, as a terrorist for writing opinion letters of government wrong doings.

Granted, if you take words out of context, to make the meaning to what the law enforcement wants, and forget the rest of the letter the government is correct. A letter that clearly tells of criminal wrong doings by the NH Supreme Court, government officials and law enforcement, is of public importance for every person in the USA to read and learn about. News, media, and government officials using character assassination in the form of retribution, to gain public support is a criminal wrong noted in our constitution. Reporters, journalist, and columnist believe the public mockery of my character, and censor my response, while supporting with silence or innuendos these government wrongs.

The primary purpose of the highest law in the USA, is to protect the citizens against government wrong doings. This highest law is the constitution. We serve the USA in the military, and live in situations day after day, that when people back here learn, do not believe it is the truth. Inhuman acts that are commonplace during our tours in the US Military completed not to be heroes, but just to survive, are mocked or criminalized by citizens that do not even understand, for they never served in the US Military. Government officials back here, who make laws that do not recognize our medical disabilities, put us in jail rather than treat us as human beings.

NH took a US Marine, forgetting his four disabilities, and took his freedom for six months, before dropping the bogus charges. PTSD and TBI, two of the four medical conditions after inflaming by lock down, stop VA medical care, under the term safety of providers. The public is kept in the dark as the news media refuse to print this US Marines' opinion letters of government wrong doings. Suicide becomes more real, as the flashbacks become dominant as the reality, or did I ever leave that enemy campsite, while American advisers are a on convoy across Cambodia on that mission. Maybe suicide is not the only avenue the trusted government officials are looking for. It could be just violating a law that can be played up in the news media to incarcerate me, to satisfy the public safety. I served honorably as a US Marine.

The loneliness and separation, laws to protect good citizens (even when surrounded by loving family and friends), make the silent demons of being here question reality. Laws to protect good citizens are wrong, because the highest law guarantees us we will all be protected equally. We, the US Military Veterans, are good citizens also. Life is just different, if we were unlucky enough to come back alive. Censoring letters just like this one, gives credence to laws that diminish our constitution.

From Thursday 10/29/09 to Monday 11/2/09 I made a total of 9 small purchases with my debit card. The most expensive purchase being $15. I'm typically very good about keeping tabs on my money and how much I have in my checking account, but this time I made a mistake and underestimated, ultimately overdrawing a total of $66.75. Because of this, I am now being charged $339.75 in overdraft fees. I called several supervisors of different branches and got the same response "citizensbank no longer does courtesy refunds, only if its a bank mistake or fraud". Now, this doesn't make sense to me, because they did a courtesy refund for me in january of 2009 when I over withdrew by I believe .79 cents or something miniscule like that. I told each one of them that I am a college student, and there is no way I can afford to pay this, yet they were no help at all. In fact I was treated as a careless child with money, when in fact I made an honest mistake.

When looking at my bank account, I noticed that the most recent transaction was further down the page, and I thought "well wait a second, the most recent purchase should be at the top!" But it was indeed the most expensive purchase I made, and is what set me into the negatives. If they had put my transactions in chronological order instead of descending order, I could have caught this before it was a problem, I wouldn't have over drawn! I don't understand how such a large company can be so unforgiving to their customers, especially when they are well aware of the economic crisis that everyone is going through right now. On several occasions, I said you don't even have to remove all the fees, just some...$339 is a lot to pay for anyone, let alone an already broke college student!! Unfortunatley they refused to budge, and were of no help at all. They also suggested that I use the money in my savings account. The money I have in my savings account is there for a reason...to save! Birthdays, christmas and next semesters tuition, books and rent are due! I can't touch that money, but was forced to so they wouldn't charge me even more.

I decided to close my account at TDBanknorth and open a new one at Citizens Bank - main reason being that they do not charge for on-line bill paying. So I got the account opened up and on Saturday November 3rd I wrote a check for $4000 on my TDBanknorth account for cash and deposited it into the Citizens Bank account. These two banks are not even one mile away from each other.

On Monday I checked my TDBanknorth account on line and saw that the $4000 had been taken out of my account (my balance was in excess of that amount but I wanted to move the money over gradually) however on Thursday I received a letter from Citizens Bank that said that they would not be crediting my account with the $4000 for 6 business days stating that "they had information from Banknorth that the check would not clear." HUH?

I was at Citizens Bank the next morning at 9am with a copy of my Banknorth statement as well as a copy of the cancelled check to prove that they money had cleared. The woman I spoke with said she would make a call and call me back when she had the information. I also emailed Citizens customer service asking for assistance.

By the end of the day I had no response. I also tried calling Citizens customer service and they told me it was Banknorth's fault that they "could not verify the funds" even though I had handed them the cancelled check.

Finally I got an email back from Citizens Bank saying that somewhere in the pages and pages of disclosures and small print that when an account is newly opened that they have the right to withhold crediting accounts for 6 business days and they will be mailing me a copy of it. That's just what I need.

The best part is that with the Veteran's Day holiday Citizens Bank stole my money and did not credit my account and grant me access to MY money until Tuesday November 13th - ten days after I deposited the check and 6 days after the check cleared.

The day they released my money I went to the branch and wrote a check for $4000 cash and they made me stand there and wait for 15 minutes while they verified that the money was there. I have never received such poor customer service ever - I'm back to TDBanknorth and very happy.