Citizen's took over my old bank, and moved into my supermarket, so for convenience, I stayed. The old account was free checking, and the welcome letter said nothing would change, a forever free account. Ha Ha. Free was gone 3 or 4 years ago. Tell the clerks? No response. It gets much worse. I keep an escrow account for my tenants. It's MY ACCOUNT. Ha Ha. Yet, when the tenant bounced their own Citizen's bank check, they took it out of my escrow account. Told the clerks...huh? What? Can't help you, they said. Citizen's closed their supermarklet branch at Shop Rite of Roxborough, Phila PA (wonder why, not enough business?) So now I am forced to drive to be sure there are 5 transactions each month, or I get charged. Now when I deposit a check, I have to sign it two times, as written and as on the account. That's OK, just seems like someone with nothing to do. Today, however, I tried to deposit a gift check made out to my wife and myself. She signed it, I signed it, went to deposit it, and NOPE, can't do it. The head teller there copped a real attitude when I said it had never been that way before in 10 years. Wouldn't get her boss when I asked. What did I do? Drove a mile to the other branch and deposited it. Long story shorty? 3 strikes and your out. Bye Bye Citizens.
Terrible communication and never meets deadlines. Horrible experience of purchasing a house with them.
Construction-to-mortgage loan finalization took six months, during which they kept asking for more paperwork, more paperwork, more paperwork. It took me two hours to scan a set of financial and bank statements and they were rejected because the second side including blank pages were not included. I liquidated a cd and they insisted i get a copy of the canceled check and the deposit ticket, even though i showed them an end-of-year statement that was within $20 of the deposit amount.
They dragged their feet so badly we had to pay the builder money because construction had already started, and they made us provide a paper trail for the money we paid to the builder because this bank was so inept. We went to the first closing and they wrote the loan for the full amount even though we had paid money to the builder. There was a total lack of internal communication. They insisted that i have the full amount to cover closing costs in my bank account so i withdrew it from a brokerage account and it sat, not collecting anything for six months. To add insult to injury, they stuck the closing costs into one of the documents we signed so i quickly had to write another check to the builder to bring the cost down.
The loan officer's attitude to me during the entire process was that the complexities were somehow our fault. He was not even as bad as the people in the corporate office, who would send emails saying there was a problem with #16 in the email attachment, and the attachment would start with #17. This bank ruined my life for six months - aside from the account we have for the mortgage, i will never work with them again. Absolutely horrible experience.