MyBankTracker rated First Niagara Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.
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
Is anyone else ticked about First Niagara not telling you that the rebates you recieve are taxable income!!! What a rip off! We now owe the IRS a decent amount of money!
The money given back in a rebate was our money to start with and had already been taxed...we checked tax advisors an get a different answer every time. Taxable income or not?
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.