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 am so tired of getting hit with the Citizens OD fees. Now that they have changed their posting order it is even worse. My entire family has Citizens account and we make many internal account transfers. If I make an online transfer it is done immediately and the funds have to be available but the next day I receive an OD fee that in turns causes other transaction to be short. I am frustrated and about fed up. Its like they hold transactions in limbo and put them through at the most inopportune time. Once you get caught up in the fees there is no way to fix it and you just keep falling deeper into the hole. The customer services reps or their managers basically say that is the way it is don't overdraft your account. We have OD protection that we can sell you. I am just fed up and I need help because when my direct deposit goes in I am just starting the cycle all over again!
I can not seem to dig myself out of this cycle with Citizens. My whole family has accounts with Citizens and I am so tired of their posting charges as they see fit. If I make an account transfer from one account to another the funds have to be available, right, and it is immediate. So that transaction cleared. But the next day I have an 35$ charge for insufficient funds. I am so tired of paying the overdraft fees and the customer service reps and their managers cant explain how they clear either. They offer overdraft protection. People make mistakes and once you are hit with the OD fees it is sometimes impossible to regroup. I need help. They are relentless with fees. I am completely frustrated.