I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me. 
