CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens 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 " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.