Richard Cordray, CFPB chief The Consumer Financial Protect Bureau caught another bank cheating its customers and again has secured millions in refunds to said customers. This time it's Citizens Bank skimming off the top of customers' deposits. Citizens Bank agreed to refund at least $14 million and pay $20.5 million in fines for shortchanging customers who made mistakes on their deposit slips, federal regulators said Wednesday. The bank engaged in “shoddy practices that deprived consumers of money that was rightfully theirs,” said Richard Cordray, director of the Consumer Financial Protection Bureau. From January 2008 to September 2012, Citizens Bank investigated and fixed errors only if the discrepancy was more than $50.