XXXX was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.