Citizens Bank, New York

I have been banking with Citizens since 2007. Since then, they have changed my overdraft options, charged me for once-free services such as overdraft protection, and even paper statements. I signed up for an eBay/checking account a year later, and the employee gave me an account opposite of what I asked for. I started the account with $100 in case it was ever stolen. However, they signed me up for an account that charges me fees if my balance is under $500, which defeats the purpose of a second checking account just for eBay.

Now, I have been using their website (www.citizensbankonline.com) to review my balance instead of paying $3 for paper statements. I have been charged twice in the last three days for inaccurate balances on their website. Charges and deductions are not posted on their website until they charge for overdraft fees. Citizens Bank also deducts credit purchases immediately regardless of when the vendor actually acquires the money from your account. Making credit purchases overdraft my account before the money has been pulled. It sends me into overdraft days ahead of time and charging me overdraft for all purchases made after.

When I called1-800-7086680, the supervisor (Brandy) was very rude and she was over talking me. She refused to give me the corporate phone number. I had to Google it myself after she refused to reimburse me for their inaccurate balance posting and incorrect balances. She then said not to "trust" the website and it was my fault for not keeping better track. I suggest that every person run or pull accounts from this horrible bank and rude customer service. Never have I heard or experienced such horrible and rude people.

I deposited $8.78 with Citizens Bank, they mistook it for $875. Upon realizing their mistake, they decided to withdraw $866 from my account. Instead they added that amount to my account, even sending us a letter telling us to adjust our records. My wife moved $800 to our savings account. Upon realizing their mistake AGAIN, they withdrew $1734 from our account at the same time that payments came due. The bank assessed us a $114 fee because we didn't have enough money in our account.

After I asked them to return the fee due to their multiple errors, I was told they would not return the fees. I became VERY upset due to the fact that this institution continually makes banking errors. Ms. Hackett told me to leave the branch or she would call the police. I left the bank as she asked.

I have information that programmers with ChaterOne were instructed to program certain online delays and real-time delayed information given to customers [embedded software.] This promoted customers to misunderstand online information that causes fees that domino as info lags behind their recovery attempts.

I became so interested [and enraged] that I, [retired with a Masters Degree in Computer Science] spent time watching this. I personally lost nearly $1000. over a $15.00 check that they shouldn't have bounced. I've proven over $650. of fraudulant charges that were reversed. I've got a list of nearly 50 customers that I've talked to in the lobby [same problem] while getting my credits. Just in my limited visits I have seen approx. $15,000-$20,000. in bad fee complaints. This is 1 office in 1 town. Think of the people that don't complain or understand! I've tried to enlist Elliot Spitzer [Atty Gen.-NY] his people say he knows, yet no action.