I am unemployed. I opened a bank account with Citizens Bank and put a small amount of money in the account. At the time I thought I had a new job lined up. But it fell through and I didn't get the job. Some of bills were directly tied to this account. I thought I had withdrawn all of them, but I missed two. My account at Citizens became overdrawn. But the amount was only $26.49.
They charged me two different insufficient funds fees which add up to $59 and eight separate service charges of $6.99 which added up to $55.92. These two sums totaled are $114.92. By the time they were done with all of these charges, they said I owed them $124.30. I have recently paid them $74.08. But they say I still owe them $50.22. All of this for two small overdrafts that added up to $26. Their service charges and insufficient funds fees seem blatantly excessive and unfair given the small original amount I owed them. They ended up penalizing me $100 for $26 in overdrafts.
