7 yrs ago citizens came looking for our business they provided us a 100k credit line and a 950k morg the economy has changed never being late on a payment one day without any notice the crd line was pulled it took 3 months to get an explanation as to why it was discontinued we got a 50k line with eastern bank and 100k line with 1st national bank of ipswich at the drop of a hat. After suffering an embezzelment of up to 1 million dollars by two trusted stockholders, and debt to service ratios not to the banks liking they want to raise our interst rate 3% and or forclose the morgage. Keep in mind we are current in our payments and late once in paying quaterly taxes but are up to date now business is very unpredictable but we work 24/7 to pay our bills and employ 25 people the bank is heartless before you think of doing business with this bank shoot yourself in both feet and have your head examined this organization is a ruthless privateering bank that instead of helping will pull the rug out from under without notice causing you excessive legal fees and pain and suffering that you have never ever felt before. They also cash checks that require dual endorsement without the daul endorsement and adopt a what ever attitude when questioned as to what they will do to make good on the funds they have cashed wrongfully find a local small bank and make your bones with them they approach banking in the manner that is both good and honest for both parties in times of difficulty run from this bank as if it were the plague
I have been a customer of this Exeter NH branch for 30+ years and, until this week, have had a positive experience with all employees. If problems did arise, representatives of this bank had worked toward a fair resolution in a respectful manner. This week however, I did not have the same positive experience with the current manager of this branch, Ian. I was charged excessive and unfair overdraft charges that I believed would be corrected as soon as a "live" representative was made aware and could review the facts as documented in their system.
Not only did Citizens representatives refuse to correct the excessive and manipulated charges but Ian went on to make arrogant and personally insulting statements about my credit history? The personal remarks were not only unsubstantiated but unprofessional and in 30 years, I've never been treated with such disrespect and ignorance. I have been researching to find that there are many consumer complaints regarding excessive fees that Citizens Bank is now being accused of collecting.
This particular branch manager will most likely not last in this position as he has demonstrated he lacks the skills and that problem will take care of itself but to initiate consumer protection, all victims of unwarranted excessive fees need to continue to file formal complaints.
I have several accounts with different banks and citizens is definitely the worst i have ever dealt with.. They offered free checking when i opened an account. 6 months later they told me i had to keep a minimum balance or i would be charged a monthly fee.. They gave me a credit card with a 3000 limit which i paid every month on time, payments averaging 4-5 times the minimum payment.. I was never late with a payment.
After a couple of months they reduced my credit limit to 1/2 and had the nerve to call me and tell me i was over my credit limit and demanded i pay them 700 to bring my balance down to my limit! Just this eve i went to make an online payment because today is the due date.. However, since it is 8:01 pm, they wont allow me to make a payment with todays date even though it is still today until 11:59.. So now i have to pay a $25 late fee.. I called them to get assistance and they told me too bad... What a bunch of evil scum