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First Niagara Bank Customer Review

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DarcyJSwiatek's Profile Image

1 out of 5 marks

Reviewed by DarcyJSwiatek

Jan 28th 2013

Awful! Stay Away!

I have been with this bank for 18 years, formerly known as lockport savings bank. They do not care about their customers in the least bit. They are only concerned about collecting fees and "raping" their customers financially. I have had a home equity line of credit with them and multiple accounts throughout the years. My husband and i moved out of state and decided to close the accounts because it was impossible to manage our accounts with their lack of technology and inability to make deposits other than in person. Upon closing our accounts, we had a line of credit on both accounts.

They sent us a check for our remaining deposit money and then claimed we were late on our line of credit (overdraft account). They charged us $25 for each account and proceeded to send us a bill for the delinquency after 3 weeks of the accounts being closed. We never even received a statement to make a payment. I called the bank and i was informed that statements are a courtesy and they refused to reverse the charges. They said it was not a bank error but an error on behalf of the person who closed our accounts when we sent our request by mail. Last time i checked, bank employees would be responsible for bank errors.

Not too mention they willl charge you &37 for an nsf fee and then if you do not deposit money into the account within 7 days they will charge you another 35 on top of that... The worst bank ever!!! Beware!! Put your money some where else!! They only want to collect fees from you and will go to all lengths and random charges to collect it from you!

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Other First Niagara Bank Reviews

tinasuk's Profile Image

Reviewed by tinasuk

Sep 9th 2013

1 out of 5 marks

Don't go to this bank

I was an HSBC customer for 4 years until it was acquired by First Niagara last year. I did not close my account immediately and after six months incurred monthly charges to maintain my checking account which was initially free with HSBC. I was not given any letter before these charges were applied. I was expected to read through the thick package of papers that they had sent when the acquisition happened. What a way to extract money out of customers. In any case, when I realized that I was being charged for about 3 months or so, I called them up and asked them to close my account. They said that I had to send a signed letter and I would be sent a check back for the amount I had in the bank. They did not inform me about any fees. In fact, I tried to close the account online but there was no option to do that. Later, when I received the check , I saw that $5 was deducted. They charged me just to send a check. I was not even informed about it. When I called them again, they were outright rude and unhelpful. In fact, I was supposed to get a call back from them which I never did. Terrible service in the few months that I have been with them.I won't even give them a single star.

Is this review helpful? ▲ Yes 2 ▼ No 0

stu022488's Profile Image

Reviewed by stu022488

Dec 13th 2012

2 out of 5 marks

Getting Away with Robbery

Well I was an HSBC customer who was transfered over to First Niagara. I was a customer of HSBC for 6 years and did most of my banking online and had to contact the customer service department once for a lost card. I had a checking, savings and credit card transfered to First Niagara. The transfer was easy and so was setting up my online banking. After 6 months I noticed I got a 4 dollar mantainance fee on my checking account. I called and asked why and then stated in the customer service agreement and from what HSBC told me that you cannot change my original contract with HSBC you just aquired the accounts and would have to get my permission and signature to change any of my accounts.

They reversed the fee but failed to acknowledge my statement. He then offered to switch me to an echecking account which he stated do not aquire any fees. I obliged and later that month I got a letter stating that echecking accounts starting in December will start being charged a 3 dollar mantainence fee. Are you kidding me I went down and closed out my savings and checking account but left my Credit Card open.

Now here comes the fun part I purchased a course in march under my HSBC credit card and decided to cancel it in November. They refunded me the course but it went under my HSBC card number. I did not realize this and called HSBC after I did not see the funds deposited. They stated they have records of the original purchase however all my accounts and data were transfered to first niagara and that even if they did refund it to my credit card under HSBC First Niagara still would have recieved the refund and posted it to my account as they should still be attatched. Called First Niagara and after about 11 transfers to different departments they stated I should wait 10 days and call back. I called back and they acknowledged by a third party that the refund was issued however they do not know where it is. Then stated that is all they could do! Next step is small claims court

Is this review helpful? ▲ Yes 4 ▼ No 0

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