Citizens Bank has been the worst banking experience of my life! Frist of all i have never had a bank where i had to have so many debit cards in my life due to bank error and wait almost 2 weeks to get a new card. Constantly i had “debit card fraud” ok how is it that your customers information is constantly leaking out! So after a number of events the bank advised me to open a new account and i did. I opened the new account but, in the meantime fees accrued on the old fraudulent account and the bank said that they would only give me back half the fees and i was responsible for the rest.
Why? I had nothing to do with fraud on my account, and i had no idea that the customer service representative would not be placing a to be closed status on my account to stop all activity and fees. To be honest i think that all she was concerned about was opening a new account to make her quota, not at all being concerned about her customers wellbeing. So some weeks go pass, and i see that fees are being accrued on an account that i thought was inactive. I call the customer service number and i speak with a lady that says well we will give you some fees back but it was your responsibility to keep track of your account so we will not give them all back.
Ok when i went to the branch and spoke with the customer service representative i felt comfortable to assume that she would do her job and handle both accounts in a manner that would be the most beneficial to me. So the account was placed on a “credit only status” so that i could make periodic deposits to clear out the negative balance. In the mean time i kept receiving letters in the mail so i called and spoke to a lady in the recovery department we go back and forth on payment options and she explains that the account has been 43 day in the negative and at 60 it would be charged off.
tell her that i do not have the money right now and i did not know that i was on a 60 day timeline to pay off the account. She says “well pay what you can and
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
After many years of paying thousands in fees to this bank, have reached a complete breaking point. The complete lack of accountability by this bank is beyond comprehension. With the thousands spent to them, one would think that their systems would reflect seamless efficiency, instead I get nothing but vague answers and insincere apologies. If my business operated the way this bank does, I would be out of business in a matter of months.
Hello excelsior2014, I am from Citizens Bank's Office of the Chairman. I am very sorry to hear about your experiences, and I'd like to have someone from my team call you to learn more and to see how we can best help. Can you please email your name and a phone number we can reach you at to AskCitizensBank@citizensbank.com? (Please do not include any personal information such as social security numbers or account numbers in your email.) Thanks -- we look forward to hearing from you!