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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
Over the last five years, I have racked up thousands in overdraft fees for what amounts to pennies in dollars in overdrafts even though I am "opted out" of the overdraft system. How? Why? No one has an sensical answer. So opting out is apparently of zero use. This bank is just horrible...completely horrible. Moving on. Might see what Key Bank has to offer with their "no overdraft fee", "no hassle account"...because "Good Banking Means Good Citizens", apparently means steal as much as you can get while you can get it and make no apologies.
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!
After about 20 years of bank accounts with Citizens Bank, I am seriously considering moving all my accounts to another bank. Here is what happened:
I was out of town when I received an email that I had overdrawn one of my checking accounts. We had family medical issues to deal with, and my husband and I had to leave for a week away, so for the first time, I accidentally overdrew one of my accounts by $203.10. I had over $11,000 in two other accounts at the time that are linked to that account.
When I got an email telling me of my mistake (the same day as the overdraft), I immediately transferred more than enough money from one of my other accounts, to cover the overdraft.
When I returned home a few days later, I went to my local branch and nicely asked if - since this was the first time this has ever happened - the penalty of $70 be refunded to me.
The bank manager who was there at the time told me she would only refund half of the amount because the one check was the first time I had ever overdrawn (two checks were cashed on the same day). I explained to the bank manager about the family medical issues, that I had been out of town, and my 20 years of having accounts at Citizens without ever having an overdraft.
The bank manager was very cold to me, and did not seem to care at all about keeping my business. Apparently having my business (with monthly direct deposit in one account) was not as important to her as keeping my $35. I feel as if it is a very poor way to treat a good, long-term customer who keeps a substantial amount in her accounts.
My 19 year old disabled daughter is going to be opening a bank account soon with monthly SSI checks directly deposited, but I would strongly hesitate now to have her use Citizens Bank. What is most disturbing to me is the coldness with which I was treated by that bank manager. One of the tellers even mentioned that the following week (or maybe it was two weeks) the fees for overdraw were being eliminated.
Hello MJoDel232, 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!
Thank you for responding. I was walking by a branch inside Walmart, when one of the tellers asked me if I were interested in opening a CD account. I explained what had happened, and she contacted me a few days later with news that she had spoken to the Regional Manager, and had refunded the other overdraft fee to my account. She was very nice and I now have a much better impression of Citizens Bank. I suggest that Citizens Bank managers all get training in good customer service. The one at the Walmart branch went out of her way to make me feel like a valued customer.
That's great to hear, MJoDel232! I'm very glad to hear things worked out. Please don't hesitate to reach out if we can ever be of assistance in the future.