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. I 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 if you g
I was a citizens customer for over 10 years. I have a checking, mortgage and equity line of credit. I have NEVER overdrawn my checking, made my line of credit payment early every month and had my mortgage payment automatically deducted from my checking. I also had direct deposit of my pay.
On feb 1st of this year, I had a severe financial emergency. It was a tough decision, but I had to withdraw most of my pay from my checking account. I did however, leave enough funds in the account to cover 6 smaller debit charges I had made. I fully intended to replace the money in 2 weeks to cover the mortgage, and I was more then willing to pay an overdraft fee to cover the missed automatic mortgage payment.
Before I could even begin to recover, the thieves stepped in and completely CRUSHED me with ridiculous fees. My all time favorite is their $6.99 a day for 10 day sustained overdraft fee. The only thing they forgot to do was come over and slash my tires.
My checking is now closed (good riddance) and I am now receiving threatening letters from the bank...they say I owe almost $1000.00 and if I don't pay they will report me to chexsystems and the major credit bureaus. Thanks Citizens
One of my customers gave me a bad check. I had know idea it was going to bounce they blamed me treated me like a pile of dirt, this company was in business 30 years with a great reputation. They told me I should have known it was no good and froze all my assets. I paid the fee and they told me it would resolve all issues, instead they closed both my business and personal accounts and said we dont want your business. They lied to my face.