Bank Manipulates ACH Return Order to Disguise Overdraft Practices
Citibank returned an ACH debit that presented against sufficient funds while honoring a later, larger debit that actually caused an overdraft, then mislabeled the return as an insufficient funds event. This high-to-low transaction ordering is the subject of major consumer protection litigation against large banks. Consumers have no effective recourse when banks misclassify returns to obscure predatory sequencing.
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