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
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.