This complaint is in regards to a joint checking account with Santander Bank ; my son & I opened the account approximately 10 years ago. My son XXXX is the primary user of the account. Over the 10 years he has never bounced a check. XX/XX/2015 he made a mistake and the account became over-drafted ( he did n't realize ) a few days later he received an automated deposit in which made the account positive again. He then paid his rent and other bills with out knowing he had been charged several over draft fees. This resulted in the account again becoming over drafted. Apparently he was allowed to continue to use his ATM debit account due to the fact the account has over-draft protection. The account went several days into over draft before he realized the entire situation. Once I called the bank & spoke with the branch manager they had charged the account {$40.00} per day with a total of {$750.00}. The manager after checking with her regional supervisor agreed to refund {$100.00}. My complaint is as follows : myself nor my son where given written or verbal notice of the over draft of the account or fees being charged. 
1 ) The fees are excessive in nature! 
2 ) The overdraft protection should n't allow the consumer continue to engage in charges to the account when over-drafted after a certain amount of usage. 
3 ) The bank has misused overdraft protection allowing the bank to charge the consumer absorbent fees without notice. 
4 ) The fees charged to the account and action taken by the bank is egregious towards consumers. 
