I was an HSBC customer that was transferred over to FNFG. To begin, it took 4 months to get a new debit card. They claimed they sent multiple cards, but I never received them. Every time I called to check on my card their records did not show I ever ordered one! Now they are hitting me with a 3 dollar maintenance fee for the e checking account after I spoke to the representative and made it very clear I wanted all account with NO FEES. I was assured over and over that all my accounts were free. That simply is not the case. This bank is horrible. DO NOT give them your business. I have cancelled all my accounts and taken my business elsewhere.
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.