Citizens Bank, Rhode Island

I applied for a refinance after the load officer promised to close the process in 4 weeks. I have excellent credit, equity of more than 60% of the currently appraised value of the home. I have submitted all the relevant income/bank statements, as they wanted, and have enough assets to be fully approved. This is my 2nd time to refinance with the same bank. The first time was around 3 years back, and had no issues. It has been 4 months, and they have yet to come back to me on the call to close. I feel they are just delaying on purpose, for whatever hidden reason.

I went out to brunch on Sunday morning in Thayer Street in Providence. Parked in the Citizens' lot on the corner of Waterman and Brook. I put up my handicap placard but when I came out my car was towed. It cost me $137. Come on. It was Sunday. Was this really necessary?

I was issued a personal check drawn on Citizens Bank and I went into a branch to cash the check. I was informed that since I do not have an account with the bank, there would be a $7 check cashing fee. I am very concern when a bank needs to charge a fee to cash one of its own checks. I was told in order to avoid the fee I would need to open an account. I looked into opening an account and was even more discouraged at the amount of fees this bank charges. I will never accept another check drawn on Citizens Bank in the future. Good citizenship, what a crock!

That's 5 stars on a dissatisfied scale. The correspondence is to be placed in Citizen's Bank Narragansett, RI and Corvallis, OR CRA folder. We have been customers of Citizens Bank, Stop and Shop branch, for approximately ten years. In April 2011, with a failing business, we realized we were in the midst of financial disaster. I contacted the mortgage department, and explained my situation, Chapter 7 bankruptcy was eminent. I requested that the 7.35% interest rate be lowered on the fifteen year loan (**), and amortized over thirty years. Even 2 points would have given some extra cash to put toward the property taxes, and perhaps free up some money to pay down the principal on the equity line of credit.

We had invested everything in a new location for our restaurant, and it was failing. I was told to apply for a refinance. Which I did, to a mortgage processor recommended to us by Kelly at the Stop and Shop branch. He contacted me, and said he needed a professional real estate appraisal to continue with the application. I paid several hundred dollars for this appraisal, and then a week or two later, I was denied the loan. I never got my appraisal money back, and interest rate remains at 7.35%. This loan has a $50,000 balance, and is financed over 15 years. If Citizens lowered the interest rate to 5.25%, and financed over 30 years the payment would be $276 per month. Adding in taxes and insurance, total payment would be $546.00. Lowering the interest rate to 3.75% over 30 years payment would be $232 per month. Is this an outrageous request? I think not. It is a viable, win, win, win situation. Citizens get their money, we get to keep our home, and the bank doesn't have to deal with a foreclosed property in a middle class neighborhood. That does no one any good.

In August 2011, I underwent a major open heart surgery, an aortic valve replacement, and a double bypass. My husband had a total knee replacement in September. Our cash flow problem is temporary, and we anticipate being gainfully employed in 2012. Agreed, right now, as the two mortgages stand, the monthly payments are over 50% of our monthly income, and it appears that there is not enough income to service the loan debt, however, we have never missed a payment on either of our loan obligations to Citizens, even if we eat rice and beans and keep the heat at 55 degrees. If we can service $989 on a consistent monthly basis, and remain current on taxes and house insurance, how could we not service $594 or $550? ($276 or $232 on 1st and 318 on the 2nd). I'm frustrated and angry at the greed and lack of common sense Citizens Bank is displaying. It's as if the property is more important to the bank, than to extend a solution to a couple who have fallen on hard times, and are experiencing a temporary very low income situation, and are desperate to keep their home!

Lloyd Bentsen, Secretary of the Treasury at that time, affirmed his belief that availability of credit should not depend on where a person lives, "the only thing that ought to matter on a loan application is whether or not you can pay it back, not where you live". The second report to be conducted by the Treasury Department over the next two years, is intended to determine the impact of the act on the provision of services to low and moderate income neighborhoods and people, as intended by CRA 62,

On signing the Gramm-Leach-Bliley Act, President Clinton said that it, "establishes the principles that, as we expand the powers of banks, we will expand the reach of the Community Reinvestment Act".

We trust this proposal makes sense. We live in harsh circumstances to meet an inflated mortgage obligation. In the spirit of what our nation's lawmakers attempted to do with the CRA legislation, please refinance our mortgage debt. Thank you, for your understanding, compassion and desire to do the right thing in the spirit of the CRA. I am still waiting to hear about the decision on the HAMP request submitted on July 2011. Will face eminent foreclosure, and become homeless. Arlene "Molly" is a senior citizen.

When I opted out of Citizens option to have my account overdrawn at their discretion by paying debits, etc., they ignored option and continued to subject my account to prohibitive overdraft fees. When I requested that all electronic debits from my account be halted, they continued debit charges, including overdraft, against my account. I, too, had a deposit ignored and posted at the bank's discretion. They are making it very difficult for me to sever my decade-long relationship with them.

I worked for so many years in Citizens Bank of RI and I am getting a pension check. On 9/28, I deposited a check for $4,800 in my checking account. The check was from Bank of America, a local bank. It was from my daughter's account. That same day, they took the money from my daughter's account and they put a hold without telling me anything.

Eight days before, I deposited a check from Puerto Rico for $22,000 and the money was available the next day. I paid a check for $3,717.66 believing that the money was going to be available next day. Now, the account is overdrawn, plus, they are charging me a for it. Because of this, I am thinking that when I get the SS check, they are going to freeze that money too and leave me with no money. I don't work because I am very sick with Parkinson's and they are going to hold my Social Security check. I need somebody to remove the hold, please.

Professionalism of some tellers. Excessive fee's that could have been avoided.

I have no legal recourse other than to not do business with them anymore. I was charged four times. It would have kept happening if I had not demanded a hold on the account. I don't make large sums of money so the fees couldn't be taken care of because they were so excessive. Normally, a check is allowed to bounce three times - they allowed it to happen four times. And they said they would keep doing it because legally, they could because the check was put through the telecheck system. Terrible bank. I will never bank with them again. These days your better off leaving your money in your drawers anyways. Also, some of the tellers have no etiquette, none.

I have spoken to the bank by the mail department over 4 times in the past year regarding my spousal support check that gets mailed from my ex-husband's employer every week. The deposit doesn't show up for days. It should be posted every Friday. I used to receive the check every Wednesday, without fail, and would then have to run to the bank on Friday to deposit it. Figuring this was an easier way to have the check deposited automatically, I changed to this method. Ironically, and what upsets me the most about this, is I was laid off from this job back in 2009. I am just fortunate enough to know the direct phone number to call my former colleagues, who are always so helpful, searching through bins of mail that they have told me is backed up from last Thursday. I know they were not at fault. It is Citizens Bank that I hold fully responsible for the lack of help in the department due to the huge lay-offs.

To this day, it upsets me to think I lost my job, after many years of service. I worked in this department, and I know exactly how it is run; and it makes me physically ill to think that all of these mails are sitting in bins and bins of mail -- thousands of pieces waiting to be processed, while people like myself, have to wait patiently for it to show up in their accounts. Our economy is in dire straights, and people are living week after week, such as myself, for Citizens Bank to get around to processing the deposits made by mail from six different states (maybe more now) by 3 people in the department in Rhode Island. It's not physically possible for these three women to keep up with the work. You can say that maybe you should just get the check and make a deposit in person, but then you have to wait until it clears. It's usually for 3 days -- depending on the teller.

I paid off a credit card bill in full, weeks before the due date of bill. Thirty days later, I was billed for interest on the entire amount owed. I called customer service and was told that they could bill me each and every day that the bill wasn't paid! I was also told that I should have called them for a payoff figure! When I asked that the interest charge be abated, they told me that they wouldn't remove the amount and that if I didn't pay by a certain date, I would be charged more interest on the interest. How can you charge interest on interest? I didn't know that a credit card fell under the same rules as a car loan or home loan. Another way for these banks to make money from us credit card users. Pay off your Citizens Credit card, (as well as all your credit cards) and don't give these people any more of your hard earned money. Go cash like I have for the last year. You will save money.

In late November 2010, we filed a claim with our insurance company for repairs to be made on our car. We had the car repaired and we paid the repair shop directly out of our personal funds. The insurance company then sent us a check to pay for the repairs. However, the check was a dual endorsed check because we have a loan on our car. So, we mailed the check to the bank with which we have our loan, Citizens Bank. We then mailed the check to Citizens Bank in early December 2010 with a letter directing them to endorse the check and mail it back to us. (We did not endorse the check.)

Citizens Bank did not follow our direction at all and instead applied the check to the remaining balance of our loan. Not only did they not perform the requested action, but also managed to deposit the check without our endorsement. In the almost two months that have followed, Citizens Bank has stalled our attempts to recover the money through a series of lies and incompetent behavior. We have probably made at least 10 phone calls to Citizens Bank over throughout December 2010 and January 2011.

First, we were told that they could not extract the funds from the loan balance for some procedural reason. Then, they reversed themselves and said they could extract the funds and send us the check. Citizens Bank claims to have mailed the check in early January 2011, but after three weeks of waiting for a check that was supposed to arrive within three to five days, we are very concerned about if we will ever get the check. Our last call to Citizens Bank occurred on January 28, 2011 in which we inquired about the status of the check. Instead of simply canceling the check they supposedly sent in early January 2011 and mailing a new one, they claimed that they would investigate what happened.

This stalling is completely unacceptable. We paid for the repairs out-of-pocket because we expected to receive the funds from Citizens Bank in a timely fashion. As a result of Citizens Bank's stalling and ineptitude, we have been placed in a difficult financial situation over the last two months. We are reaching out for help at this point because we really have no idea when or if we will ever receive the funds from Citizens Bank that we need to pay our bills. We appreciate any help you can provide in helping us recover our funds from Citizens Bank. Thank you.

I have been a member of the Circle Gold for many years. I have CD accounts, brokerage accounts. The complaint that I have is that even my business incurs a charge monthly to get the1/4 percent offered by you.

If I find what I want, all accounts will cease and pulled for a different bank. I do not feel I should be nickel and dimed when I have a substantial amount invested in your growth. I have one month before my CD matures, then there is a good chance I will be going elsewhere with my money. Business is business.

My daughter's car loan ended up at Citizens Bank/Citizens Automotive Financing and I co-signed for the loan. (Stupid, stupid, stupid!)We began to get phone calls telling us that they hadn't received the monthly payment even though her bank assured us that the payments were being made. Citizens Bank then let us know that the loan was in default because of non-payment for three months. Still my daughter's bank said that Citizens Bank was receiving the funds. Just to be sure, the last payment was send via mail in a money order. While we are working with both banks to figure out what is going on, they repossessed the car. Just in case it really was my daughter's bank that was causing the problem, we arranged to have $1500 sent from my bank via a bank to bank expedited payment. When my bank verified that the payment had been made, I waited until the next day to call Citizens Bank. They claim that they did not receive it and did not receive the money order payment either.

We verified the bank to bank payment information to make sure there were no mistakes. I then sent another bank to bank expedited payment for the additional missing payment. Somehow I knew exactly what Citizens Bank was going to say when I called today to get a status report. Of course they claim that they haven't received any payments. Now Citizens Bank wants me to send them the money via Western Union. Yeah, like making all the payments a third time is going to work. At this point we don't even know how to proceed. We can certainly gather evidence from our banks for a lawsuit but you won't get Citizens Bank to ever admit any wrongdoing. Still, a lawsuit seems the only option we have left. So the question I haveis Citizens Bank incompetent or are they thieves? I'm voting for the later.

The credit ratings for both my daughter and me are being destroyed. We still can't get the car back and we seem to be throwing money down an endless gopher hole. Also, the towing and storage charges for my daughter's car continue to multiply. We even found out that the towing company has freighted the car to Idaho so it can be sold at an auction when the waiting time is up in a few weeks. I'm guessing that Citizens Bank has a monetary "relationship" with this towing company. If we ever get Citizens Bank to admit that they received payments, getting the car back from the towing company will cost another thousand or so.

I have been banking with Citizen's Bank for almost three years with a low bank account because it served as my secondary account. My history with them has been uneventful because of my minimal contact with them. That is, until these past few weeks, when Citizen's Bank turned out to be completely unreliable. Their workers, even their managers, are incompetent. One of their bankers boasted to me that an international outgoing wire only cost $10, a very good deal if you consider the $35 that Bank of America charges.

A couple of weeks ago, I tried to send a wire to a foreign country through CB to pay for study abroad tuition. I paid the amount of money in the foreign currency, and the money was immediately withdrawn from my account. Everything was fine until a week later when I received two letters in the mail. One said that I was paying the foreign bank the amount of money I sent out, and another said that the foreign bank wired the money back to me because of an incorrect IBAN number.

Because of the change in international exchange rates, I lost a few hundred dollars, an outgoing wiring fee of $10, and an incoming wiring fee of $13. This may not be an exorbitant amount of money, but for a college student who is working three jobs to stay in school, this was the only money I had to pay to study abroad. Of course, by the time I found out about this, the exchange rates had gone back up, and I would have had to fork over more money to pay the original amount of foreign currency.

Believing there must be some mistake, I called my branch of Citizen's Bank, which then directed me to their wiring company. The person there pointed out that whoever had done the wiring (the banker) had added "IBAN" to the beginning of the IBAN number, making it wrong. I then called the banker, who claimed that the loss was my fault because I had signed the paper, letting him send the wire. I was unaware, at that time, that "IBAN" had been added in front of the correct IBAN number. I thought it was just the place where they were putting the IBAN number, and the rest had been typed correctly. The banker said that I had presented him the IBAN number like that, which was a complete lie. I had typed out "IBAN:" (with a colon before the actual number, nonetheless!) so that I would know where to point when they asked me for the number. Also, my question to you: shouldn't a person who banks for a job know the correct format for sending a wire? Why would I tell you the correct format? That's like a doctor needing to ask you which scalpel to use when you ask for a surgery!

The banker, who turned out to be the manager of that branch, was extremely rude and began to string me along and not returning any of my calls; always being in a meeting when I did call. It was not until I called the regional manager, who was also rude to me and did not return my call, that I had things sorted out.

Only after I hassled the bank twice a day for a week did they grudgingly agree to give me back the $10 outgoing wiring fee, $13 incoming wiring fee, and the several hundreds of dollars of mine they lost due to their incompetence. And still, the regional manager insisted that it was a fault on both parts. Many of the people I dealt with along the way (such as the wiring company and another banker at the branch) were very sympathetic and patient, and I greatly appreciate that. But when it came down to the people who mattered (the managers), they were downright rude and it was clear that they did not want to admit their mistake.

I will not be going back to this bank to make any more transactions. I would like to warn others, as well, to reconsider if you are looking into banking with CB. I got stress and unnecessary hassle on the customer's part. Also, it would have resulted in a permanent loss of several hundred dollars had I, the customer, not complained repeatedly.

Back in early August of 2010, I had a mortgage payment set to automatically come out. The day after the payment was to come out of my bank account, it was still showing in my account. I had no other money to get by until next payday so I was going to spend a couple of hundred dollars, let the house payment bounce and pay the overdraft fee. So, I used the money during the course of the weekend and when Monday came up, the bank so kindly (sarcasm) covered the $200 to cover the mortgage payment. In doing so, that bounced eight charges, costing me over $250 in overdraft fees. I also need to mention that I do not have overdraft protection.

I had a checking account set up with citizens where my car payment was debited out of my account each month. I set the account up after receiving a call from a representative from the S. Queen Street branch named Jennifer in September of 2009. She said that I would need to put enough money in my account by the 9th of each month so that it would be available when the payment was deducted on the 12.

Back on October 9th, I went into the branch on S. Queen Street in York PA and deposited $371 into my account. The amount of my car payment is $370. I had around $3.00 in the account at the time, so there was more than enough in the account to cover the car payment with the deposit. On November 3rd, I received a letter from Citizens saying my account was overdrawn and if I did not correct it, it would be reported to the credit bureau.

I called Citizens bank's main office only to be put on hold by a representative for a half hour after asking for a supervisor. I hung up and called the branch and got the manager, Troy ** on the phone. He looked at my account and said he could not understand why the car payment over drew the account because he could see that they were in there at the same time. He said he would look further and call me back the next day. He never did, so I went into the branch. He showed me a letter he claimed the bank sent to me that said my account was overdrawn. I never received this letter.

My account was negative $104. He said the only thing he could do was reimburse me the $37 nsf fee, but would not refund the subsequent fees because they would not have been assessed if I would have responded to the first letter which I never got. I begged him to reconsider, he refused and became abusive towards me and I left the branch.

I got his manager, Patrick ** phone number and have been calling ever since and he has been ignoring my phone calls and has failed to return any of my calls. I called the South Queen street branch back and they refuse to give me a manager's contact info above Patrick ** only to say Patrick has this under control. I have since zeroed the account and closed it with Steve **, the assistant manager at South Queen street. Steve told me the issue is over. Citizens seems to think they can charge any fee they want unwarranted or not and when confronted they try and intimidate, ignore and abuse their customers. It is clear from Googling citizens bank that they have a record of illegal bank fees and customer service misconduct.

for the month of June/July 2010, I wanted to speak to a vice president, or be given their email address, not an advocate or a customer service representative. Instead she gave me the number 401-456-7000, which goes dead after 20 seconds. I also had identity fraud in early 2009, so I am reluctant to change banks at this time, nor accounts.

This amount of bank fees has caused my account to go negative. I have been getting many bank fees since 2005, due to out of pocket medical costs that were not paid by the Department of Labor for Workmen's Compensation.

This is a letter of protest over your recent decision to charge our Checking Account a monthly fee of $20.00 for the past three months. My wife and I are in our mid 80s and on a fixed income that is barely sufficient for us to get by on, but we manage. We didn't need to lose $60.00 you charged us over the past three months.

When we canceled our accounts today (July 26, 2010,) I told your representative, Alan **, what I'm telling you in this letter. When we opened our accounts with you over twenty years ago, your people were very friendly, and we had to fill out and sign papers. But when your bank decided to make a major change in our Checking account, you sent a form letter that either we never received or did not notice, your decision to charge a monthly fee of $20.00. This was not very friendly. We didn't find out for three months of the service charge. Although that may be my fault, the glaring difference is still there. I imagine you send out form notice of this kind fully hoping people will not notice, at least long enough for you to take from you customers instead of giving.

I was told that my account required a $20,000 minimum. I asked why the $20.00 service fee was never charged prior to my first charge of $20.00 in May. The representative told me that my balance in the past included a mortgage, which made the minimum possible. I replied that I had not had a mortgage with them for the past three or four years. He replied that the bank just caught up to me. That made me even more indignant.

There was a minimum effort to keep me as a customer, which was an offer to sign me up for another checking account that didn't require a minimum balance of $20,000. I might have considered that had your representative offered to, also, remove my three $20.00 service charges. You would not miss $60, which was charged for no service, and you would have kept a customer.

Your slogan, A good citizen gives as well as takes is very appropriate. The implication that Citizens bank is a good citizen may or may not be true, but as a bank you certainly do take. I realize that losing one small customer doesn't affect your bottom line, but at least I have the satisfaction of letting you know how one customer feels.

Citizens bank made a computer error and duplicated an ATM withdrawal on my account. This double withdrawal resulted in the account being overdrawn. They took $296 in overdraft fees from my account. They admitted the error and credited my account for the original double ATM withdrawal. I have yet to receive a credit for the overdraft charges incurred due to their error! I was told that the credit would be on my account by 7/13/2010. Today, I am told that it will take until 7/24/2010 to receive my credit! A supervisor in the customer service department hung up on me when I asked for the name of her manager.

I noticed that the local market processed my check twice. I called Citizens, told them of the mistake, and they agreed that I had been charged twice, and would send me paperwork to reverse the transaction. The paperwork would arrice in 5-7 BUSINESS days, fill it out, return it, wait another 5-7 BUSINESS days to have my money refunded. I objected to this, told the rep I would go into Citizens the very next day, a Friday, wearing a sign telling people of my problem. Lo and behold, the money turned up in my account the next day.

Three weeks later, while checking my balance on line, I notice a draft from the bank in the exact amount of the check that had been processed twice. I called the bank, they told me that they had to verify that I HAD been charged twice, they would send me the paperwork, it would take 5-7 BUSINESS days to arrive, fill it out, wait another 5-7 BUSINESS days to find out if someone has made a mistake.........

I mistakenly overdrew my account on 3/1/10 for $15.34. I received a letter on 3/7/10, stating that my account was overdrawn and I was charged a $39.00 charge. I logged on to my account on the 3/10/10 to make sure that my direct deposit had taken care of the charge, only to find that the bank charged me an additional $35.00 for not paying the overdraft in 7 days.

I called them and explained that I just got the letter on the 3/7/10 and the fee was paid on 3/8/10. I asked if they could remove the additional $35. The supervisor told me that he wouldn't remove it because I got the letter on the 7th and I should have transferred money on the 7th to avoid the charge on the 8th. I explained to him that I have an autistic son and 3 other children and couldn't log on the computer that night when I got home and received the letter.

Well, he told me that they are open 24 hours and I should have called. This bank is charging me a total of $75.00 for having an overdraft of $15.34 that was paid in 8 days, since I received the notice from them in 7 days. This is highway robbery. The INS fund charge I agree to pay but an additional $35 charge for paying on the 8th day is wrong. Especially, since I received their notice of INS Funds on the 7th day. I have been a great customer for a long time with more than one account.

When I asked how to close my account because of this, the supervisor just told me to withdraw my money and leave it with a zero balance for 7 days. He didn't even care to keep my business and didn't try to resolve the excessive charging on Citizen's behalf to my account. I would like to pay just the NSF funds charge and be refunded the additional $35, so called "service fee" that Citizens bank took from me. C'mon they took $75 in total for me being short $15 on my account! I have an autistic son and my husband was laid off. We are living on unemployment and that additional money the bank took caused my family to go without this month.

For a $1 overdraft mistake, I have been charged twice for overdraft fees in the amount of $79. I am on disability, and I don't have $80 to pay for overdraft fees for only a $1 mistake. Please help me. I did call the bank twice, and they refused to take off the fees, even though I have been a customer for over 12 years, and have never asked that they remove a fee before this. I have no money to eat.

I have had a checking account with a $10,000 line to cover any overdrafts. Most of my bills are paid monthly thru the bank with auto pay. Several weeks ago I was ill and went over the overdraft. They paid 4 checks and returned 4 additional checks with a charge of $39.00 on each one totaling $312.00 plus additional miscellaneous charges. No attempt to contact me was made by the bank. I went to a branch in Hingham, MA and took care of the whole mess that same day. The very nice clerk told me it was all done electronically; therefore, they no longer contacted anyone to avoid an overdraft. I believe I have about 30 auto pays, so to change Banks will be a chore. Since then I have been getting pop ups about my credit but have not even any of those emails. I do not trust them and apparently the server does not bother because they come in under junk.

I have direct deposit so my payroll check goes in at midnight on Wednesday. The bank processes its transactions in this order: debits from your account biggest first and then credits to your account. So all within one second, a check is posted to my account, overdrawing it, then four pin based debit transactions are posted (which all went through at the POS since I had money in the account) hitting me with four overdraft fees and then my payroll check is posted. This is criminal. How can business be conducted this way?

Since Citizens Bank said I could pay the amount over the phone and my bank, Boeing Employees Credit Union, said they would not charge me for cancelling the check, and since I wanted to get Citizens Bank their money in good standing, I decided it would be most prudent to cancel the transaction and pay over the phone.

But when I called Citizens to make the payment over the phone they informed me that they were going to charge me a $20 service fee, which was 6.67% of the total payment. I was outraged that they would charge me just so I could make my payment to them on time. I felt gouged. What ever did I do wrong to deserve such a fee? I told them I would not pay their excessive fee and take my chances with the postal service.

A call to bank customer service representative said my account was frozen because of "suspicious" activity. They refused to say what specifically [e.g, no charge was over $350 but they said it was the "pattern" of spending that caused my account to be frozen. When I inquired about why they advised that before they would discuss this with me I had to go through something called a security protocal. Needless to say I have advised them I do not wish to deal with them anymore.

On 8/2007 at 11 pm they took my car claiming I owed them 2154.76 ( which I didn't owe them that amount of money)and the pay off was 3thousand and some change. I did call them the following business day and asked them if they had posted my western union payments they claimed they did.

I found my reciepits and called them on 9/24/2007 at 2 pm asked them to mail me a payment history from them to match my records. then the rep told me that I didn't owe them 2154.76 when he looked up my western union payments and admitted they made a mistake . He said someone called about a pay off balance and that it was never recieved so they took the car when I was not far behind in paymentHe followed by telling me that it was too late to do anything about it because the car is in the process of being sold. They stole the car from me left me straided and all they can so is opps we made a mistake .

I have no car and I made payments. Is this the kind of business they do take cars from ppl iilegally when they are close too or paid off the car. According to my records the car was paid off but I still was making payments until it was investigated. Yet they took my car, I have to walk and catch a bus when I worked my assss off to pay for that car. There is something that needs to be done on this injuctice done to me by not only the dealer but the two banks.

we had a car loan thru charter one car fiancee frome year 2000 to jan 2005 with 1 more year to go on jan 17 to jan 18 2005 our car was reposed by citzens bank who we have no idea who they are we do finally find out they bought our car note an reposed our car with no notice or warning since that time all our attemtts to call or contact them by phone or mail have lead to a wall we call their phone no# 888-441-2959 at 800 am stay on hold till 600 pm an never speak to a humenbeing or they finally pick up an ask why you called an you tell them your storie an before you can give them any of your info on your acountt with charter one they say hold on then you get dial tone more to storie but need to talk to you on phone i am not good with comp this took long time to due hope is right thank you please call on phone

I physically deposited funds totaling $1,641.00 on Friday, October 29th. These funds were in the form of two checks: One in the amount of $1,041.00 from a property security deposit, and one in the amount of $600.00 from my spouse's checking account with HSBC Bank. I understood the transaction date for these funds was 11/1/04. The funds for the $1,041.00 check were made available to my account almost immediately; however, the funds for the $600.00 check were not. The bank verified on Monday, November 1st that the funds for the $600.00 check were debited from my spouse's account to Citizens Bank on Friday, October 29th and "posted" on the following Monday.

On the afternoon of Thursday, November 4th, I phoned Citizens Bank to inquire as to why my account was not showing the $600.00 that cleared my spouse's account the previous Monday. I was told that their "funds availability policy" allowed two business for the funds to actually post to my account. I informed the customer service representative that this was still beyond that time period. The representative informed me that he was showing the $600.00 and that it would post to my account that evening. I informed the representative that I was concerned about a specific check (#525) for my mortgage payment. The representative assured me that this check would not be debited to my account until all deposits (specifically the additional $600) were credited.

On Friday, November 5th I phoned my mortgage company and several other creditors to verify that my payments posted. I also verified via my banks online services that all of the transactions in question were showing, which they were.

On Saturday, November 6th I logged on to Citizens' website to input additional online payments. I was shocked to find that my mortgage check ($2793.33) had been returned for insufficient funds, along with two subsequential transactions! I immediately phoned Citizens Bank to speak with a supervisor. I spoke with "Kendra" who told me that although Citizens Bank physically had the "cash" from my spouse's account on Monday that there was nothing she could do and that in the future, I should do a better job of reading the banks funds availability policy.