The very first time i used bill pay on line. First niagara deducted a $400's payment to national grid as requested. It gave me a conformation number and they deducted out of my account. But never listed as deducted but yet my balance was void of $400. First niagara as the bills were paid they bounced my account all over the place and took my direct deposit from taco bell and ate most of it for breakfast.
When i tried to depute this they told me it was my fault and i should keep a register the way they do. I use microsoft office to keep my banking record but that wasn't good enough for them. Then they proceeded to get nasty and say they can't control how and when the post office and national grid receives their mail? What? It was supposed to be an electronic transfer. I just don't understand the nastiness. Customer service on the phone was even worse
All i have to say about these reviews is if you took some personal responsibility there wouldn't be as many issues. Everytime there is a fee change or an account change the bank notifies you 60 days ahead of time... maybe you should read your mail and stop blaming the bank for your laziness!!! Also, the include statement inserts... so if you opened your statement it would avoid 2 issues: you would know about the fee change and how to avoid it and you wouldn't over draft your account because you would be able to properly balance your check book! I've worked for many many banks and they are ALL the same! The bottom line is the customers have to have some personal accountability we can't do your banking for you we can only provide you with the information you need to do your own banking
1. Cheated on my money for 250 dollar, cash back program
2. Make an appointment but never show up.
3. Make mistake for type of saving account and over charge me.
4. I change type for checking account from plus to normal, but never response. Then i close account then :) in the end.