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 $400....First Niagara as the bills were paid they bounced my account all over the place and took my direct deposit from taco bell and ate most of it for breakfast...When I tried to depute this they told me it was my fault and I should keep a register the way they do....I use Microsoft office to keep my banking record but that wasn't good enough for them..Then they proceeded to get nasty and say they can't control how and when the post office and National grid receives their mail?.....What???? it was supposed to be an electronic transfer....I just don't understand the nastiness....Customer service on the phone was even worse
This bank has a horrible online service and also a horrible customer phone service. For the phone service, they'll make you wait with a automated respond machine with a repetitive robot speaking. Then it gives you the option to let them call you back but hitting the # key. Then when you do the stupid automated robot repeats. Once you wait 10 to 15 minutes for them to call you back, they ask all for your information and say they send you to a new representative and will call you back, once again you wait another 10 minutes they say we need a copy of your drivers license to be emailed, and after they receive it they will call you back. Once all this shenanigans they finally give you a stupid pin to start your online statements. But after all that you cant even do payments. All you do is see how much you owe!!!!. And to pay by telephone they will charge you a 15$ fee to make a payment!
Curious about mortgage rates because I was considering buying a condo, I stopped to talk to an officer at my small branch office. I didn't know her because the staff changes constantly there but she checked my records (after speaking with her vet about her pet ) and quickly put on the phone with a "mortgage consultant" (read: salesman).
He expected me, I believe, to want his approval so much that a courteous introduction or expectation of privacy (I was in a rather public, half glassed-in cubicle) was unnecessary. He fired out his questions about IRAs, savings, salary, debt, etc., with condescending casualness.
The whole motus operendi was so rude and unprofessional that I would never consider First Niagara as a lender.