We have been extremely unhappy with First Merit ever since Citizens changed to First Merit. Additional procedures are inconvenient, online system is worse and not user-friendly, waiting times for deposits are worse. If it continues to go downhill, we will definitely be changing banks. It was funny when I pointed out the sign at the counter stating that you will notice no changes once we switch to First Merit and it will be seamless. They seem to care more about their procedures than their customers now. It didn't used to be that way with Citizens Bank.
Bad Mortgage practises I had 2 personal 30 year loans with First Merit Bank and I was paying on time and never late on any payments. I also had a line of credit on my business. My business was falling into some hard time do to the recession. The loan matured in July 2013 and I tried so hard to work with them to reschedule it but it fell onto deaf ears and finally they decided to mature all my loans and asked me to pay all the mortgages Plus a lot of late fees which added up to about $118000.00 which I did not have so I had to sell one of my properties for less than half of what I bought it for and borrow money from every mortgage company under the sun with really high interest rates and they where really mean and nasty to me and all they where interested in is to foreclose on my properties which I worked so hard to acquire. First Merit is the worst bank you can deal with and I would not recommend anybody to trust them with their financing. While the government was bailing all these banks out and giving them all kind of grants and free money which they kept for themselves and went after the little people like me to destroy there financing and repo everything they worked so hard for .
My Mother just recently passed away and had her checking & savings accounts at First Merit. The checking account was in both of our names but the savings wasn't listed with my name. I'm sure it was an oversight that wasn't caught on her part, she was 80 yrs old. When I went to log onto her online banking to check the balance of her account and view transactions(I had to know what was paid and what wasn't to keep her accounts current till I knew what was going on)I got locked out. So I called the customer service line and was on hold forever till I finally got a rude woman who promptly told me that there was nothing I could do and basically good luck. Then she transferred me to another person (maybe a supervisor?) who also told me that since I was only on one account they couldn't give me any information. Ok, I understand that. However, I had a copy of the death certificate, the will, the obit as well as the power of attorney for her estate. It took me three different calls before I finally got someone on the phone that simply told me that I could create my own online profile to view the account I was on. Now why couldn't someone have told me that first off? I know it's simple but I was just dealing with the loss of my only family and was not thinking clearly.
So after gaining access to her checking account I noticed charges for .25$ each time she had used her debit card. After some research I found out that First Merit has FREE DEBIT transactions!! Why was she charged?? THEN, after speaking with my attorney I was informed that I could use her atm card to transfer the funds from her savings account to her checking and withdrawal those funds. Since I am the only heir and am the executor of her estate this shouldn't be an issue. Well this bank must have locked the account because I can't transfer or withdrawal funds. WHY? I can use the atm card to make purchases and withdrawal funds but canâ??t transfer between accounts? Useless bank that at the first chance I will NEVER do business with again!
I tried to make a deposit at a First Merit branch ATM using my Citizens bank card. I kept getting a message saying "Transaction Incomplete, would you like to make another." When I tried again, I got the same message. So I called First Merit and was placed on hold for half an hour. When I finally spoke to someone, she told me that all the Citizen Bank cards were cancelled at the time of the merger. That was last October, but I received no notice of the cancellation. I can get a new ATM card at any branch, but there will be a one dollar a month "maintenance fee." A fee for using a service that should save the bank time and money!! The only reason I will go to one of the branches will be to withdraw my funds so I can deposit them with another bank.
I don't even know where to begin. Let's start with for the longest time i could not check my balance on my iphone between midnight and 3am. After, almost a year it was fixed. It was a huge annoyance. If i'm out at a bar I was not able to check my balance at all. A vital necessity for any college student. Now the deposit check section of the app does not work. Customer service and the bank are no help at all in explaining why it doesn't work. I'll reach the part where you take a picture of the back of the check and it just crashes. I went to the ATM today in the morning and the atm was out of service. Came back after work at 6pm and it was still broken. It's such a joke, it's the only atm on the tallmadge circle. It should of immediately been fixed. Everytime i go to the bank, i am never greeted or thanked. Last time i was there i was in line and a customer and a teller started arguing, it was so embarrassing. They were arguing about the stupidest thing to.. Apparently the customer joined the business line but there was only one teller so he was expected to join the main bank line. I remember it was around 1pm.. Should a bank be run with one teller at this time? I'm currently looking for another bank to take my money. I've banked with many banks.. including banks in the caribbean. This is the worst bank that i have ever been a part of. I took the time to write this review just for the sole reason that i am tired of them pissing me off.