Citizens Bank Reviews

If I could give 0 stars, I would do so. Avoid working with them at all costs. 3 WEEKS AGO my identity was stolen and a fraudulent account was set up through Citizens Bank using my information. I immediately alerted Citizens Bank and was given a case number and an employee dedicated to my case. 3 weeks later, I still have NONE of the issues resolved -- the account is still open and not restricted from use. I've been given ZERO information about progress on the case/investigation, and have also not received any indication of my liability for additional fraudulent activity on the account despite my multiple attempts to get this information.

If I could give zero stars I would. Reprehensible credit card company/bank. I have been a customer since 1992. I've been fortunate not to have to use any credit cards for awhile so therefore haven't charged anything. Today I received two letters in the mail (regarding two different credit cards I had with them) to tell me that my cards have been closed due to inactivity. Yes. You heard that right. I did nothing wrong. I paid every bill on time. And I received no warning letter prior to this to inform me that this might happen. They simply, undeniably pulled the rug out from under my feet. No warning at all.

2 counterfeit checks were cashed on my account totaling 4980.00. These checks looked nothing like the real ones, no waterproof mark, my signature didn't match at all. I filed a claim with the fraud department and my claim was denied.... Reason: they cashed them in good faith and I told them too late... Now my question is... If I told them let's say a day after would they have owned up to their carelessness... Good faith??? I entrusted them with my funds in good faith.

Been with Citizens Bank credit card services for many years (5-7 years). Had not used my credit card for the past year for personal reasons. Understand credit companies have policies of closing accounts if it's not used for a certain amount of time. Almost all credit card companies will send communication BEFORE they close the account, so as a customer I am aware and perhaps motivated to use it. Citizens bank closed it, didn't tell me... I only found out b/c credit reporting alerted him. This also dinged me a little on my credit reporting. Called Citizens and their response is that it was part of my agreement when I got credit card. Again, a courtesy communication is the right thing to do...knowing it can impact credit reports. Extremely poor policy, poor response. Will never use them again and have made sure anyone I know is aware not to use them too.

Great Process, Staff and overall experience. They kept me informed about process and status of every step. They kept me informed about everything to come and any materials and proofs needed. This old Veteran can't express my gratitude for this service, especially before my double transplant.

The rate is not reflected fast enough to whatever Federal announced. Starting rate is little better than Chase and CitiBank. Customer representatives are responding fast. That is the reason why I picked Citizens Bank.

I just had the most unheard experience with Citizens Bank. I applied for a personal loan. I got approved after providing them with everything they asked for and signed promissory note. I logged into their site the next day and to my surprise the loan that was already approved was GONE. I called customer service and to my surprise I was informed due to their "Final" review where they weren't able to verify something (they refused to tell me what they couldn't verify) it was declined. Very unprofessional to approve someone, make them sign a promissory note and not even call them the next day to inform them that they changed their minds? It all seems very suspicious to me, almost like they wanted all my personal information including access to my bank accounts so they can "direct deposit" the funds. Very unprofessional! Stay away and save yourself the aggravation.

I’ve had my account for about 10 years now and they are the absolute worst bank I’ve ever dealt with! The tellers at my local branch are very friendly and helpful, but, the bank policies and procedures are absolutely insane! They take forever to post transactions to the account, they take 5 business days to clear a check and they took over a month to return money to my account when someone hacked my debit card and made purchases from the west coast (I live in the east coast). Customer service center...overseas! I’ve spoken to reps with such heavy accents that I can hardly understand them. My experience with them has been completely frustrating! I’m waiting for some transactions to clear and I am closing my account and moving to another bank! Bye Citizens Bank!

I have been a customer of Citizens Bank since 2005, or maybe before that. I have a checking account that I use profusely for Work direct deposit and payment of all bills. I had issues before with their predatory overdraft fees that are out of control and after complaining I got a letter from the office of the Chairman that did nothing for me. But, this is another matter.

Do not have your lender sell your mortgage to this company. They Are highly unprofessional. They sound so uneducated. I can't believe the law allows companies to run their business with such lousy behavior practices. They should be shut down and sued!!!

Deposited Money order lunchtime. I was told it would clear overnight, but received an overdraft fee when my rent check cleared overnight. Why wasn't the deposit posted first before the rent check? Citizens bank deliberately posted the check first then the deposit, so they could charge me an overdraft fee. Of course they deny it. They should be held accountable to follow legislation put in place to govern banks - but it's not enforced.

I wish I could give it zero stars, Our organization of 700 members opened a business checking account with this Bank. Our organization is a savings group. Prior to opening an account for our organization with this bank, me and my wife had a joint account in this bank, one of my friends had an account with this bank, My friend's church had a business checking with this bank plus all signatories to both our organization and the church had personal accounts with this bank, that's part of the reason we thought we would open an account for the organization.

I had funds in a business banking account and had enough in it to avoid any charges for a low balance. I have two accounts, personal and business. I get plenty of correspondence from the personal account such as if there is an overdraft fee but nothing from the business account at all. The bank, according to its policies, has been removing $5 per month for quite a while because the account is "inactive". That added up to over $1400. It seems like and totally in my opinion there is an algorithm that says for inactive accounts do not send any information to the account holder so that accounts are bled dry.

I got a credit card with Citizens Bank because the cashback percentage was high. I quickly realized that it wasn't worth it. They list your "pending transactions" in such a confusing way, all mixed in with your cleared transactions. I could never figure out how my balance had been calculated. I decided to redeem my rewards, then freeze or cancel the card. But you can only redeem your points to a card credit, forcing me to keep using it. The other option was to transfer points to a Citizens bank account. I will not be opening one of those! This taught me to stay with the big, known banks. If it seems too good to be true, it probably is.

I didn't realize so many other people had the same bad experiences as I have been having...Citizens likes to post your transactions out of order when they know your balance is low or wait to post deposits or any transactions for days so that your account balance goes "negative" and they charge you a $35 fee for each "overdraft" and a $12 fee for moving the money out of your overdraft protection account. As soon as a few of my payments clear, I am finally closing the account and moving to another bank after being a sucker for years. They have made their money on me so now I'll take mine elsewhere. Too bad my old bank was bought out by Citizens because I liked them!

You can make a purchase and since it doesn't show up until days later you have no clue what your balance is. I honestly think they do the on purpose for the reason if you go negative they can reap in the interest and late charge fees plus overdraft fees. I've seen others say the exact same thing posted over a year ago and they still haven't fixed the issues. I am about fed up! Next pay I will be going to another bank.

I paid off my home equity loan last month. This month I got a bill from Citizens Bank for 4 cents. 4 cents. I called them to ask about this because I thought I paid them in full. After waiting 40 minutes on the phone I was told if I want to close the account it will cost me $54. So I sent them a check for 4 cents. Will keep you posted.

I have been a customer of Citizens Bank now for 3 years. I keep very good records of what I spend and keep a watchful eye with a daily screenshot of my account because I'm short $20 to $40 per week and am tired of it. I have questioned the bank numerous times to no avail. They are right and I am wrong. There is also a fee of $68. to close out an account. There is a fee for everything.

Hi, Trying to get a mortgage contingency date met. It seems it's not going to make it on time because of not so timely and not so good underwriters. They piece mail you to death getting information, and then when they have everything they don't seem to fully understand what they are looking at. They ask for more information, but it's information already provided to them. Horrible experience so far. Not sure if I can switch to a new bank at this point. Based on my experience, I would say avoid Citizens Bank especially if you don't have time to screw around. In my life I've obtained a number of mortgages through purchase and refinancing with various banks. This is by far the worst experience solely because of the underwriters. Stay away!

Citizens Bank poor services, old fashioned online account website and app. Adios.

I received a promotion flyer in the mail: Get $400 to open a new account. I opened the account and arranged my payroll compensation to go in to it. Having met the requirements, I called about the "bonus". Long story short, after a dozen phone calls and being put off and given different reasons, "after 60 days", "90 days after you open the account", "90 days after you made the required deposit". Now I'm told, "it's only for new customers"!!! The only way the have my name and address is because I'm a current customer!! Not one of the associates I spoke with one the phone nor in the branch ever noted such AND it's not on the promotional flyer! Citizens Bank are a bunch of SCAMMERS!!!

I actually got a late charge on my first cycle because I paid my card too early. If I did that on any other card I have have, it would have just been taken care of. The first woman in customer service was a b....ummm unpleasant person, I actually had to call my banker and then I was told it was taken care of. Well, it wasn't the next month, late charge because of the first payment that I overpaid the minimum due but was too early was listed as not paid, so that unpleasant person set me up. So I called customer service again, the woman was nice but useless...so I just paid the $35.00 late fee and said I would never ever use this card. Also, their website is set up to deceive you. If you have a promotional plan, don't you expect to see details, like the expiration date of the promotion? No, can't find it on the site, you have to call. I cannot recommend this card at all, in fact I warn you against it...beware. Citizens Bank you owe me $35.00.

October 28th, 2019. I have been online banking at Citizens Bank for several years with only one real problem. The online banking is “down” far too often. After all, that defeats the whole purpose of online banking. So many times I had to wait till the next day to pay a bill. Transfer funds, etc.. Annoying. I always make check deposits via Citizens Mobile App. Usually no problems. However, yesterday morning I attempted to deposit checks. I got an error message stating that the service is unavailable, try later. I did; an hour later, two hours later, several hours later, again last evening several times, and by noon today I was getting REALLY annoyed. I have multiple checks to deposit.

I deposited a payroll check and a 10 day hold was placed on the check with the bank saying they were unable to verify funds or check validity. I called the issuing bank and the business accountant - there was no issue with the check. I called customer service and my local branch asking if they could please speak with the local bank, who could verify the validity of the check. They refused. Cut to a week later, the issuing bank said the check cleared and funds were sent to Citizens. Despite the check being valid, and the funds reaching Citizens, they STILL refuse to release the hold.

Paid off an RV loan after 11 good years. Received title and payoff letter, sold the RV, 40 days later they hit my credit and said I owed them $238 more. Paid them $238 and Received another payoff letter. Then they sent me a check for $238, from the CHAIRMAN'S office stating it was a show of good faith, but got a call a week later that they made a mistake and the check was canceled. 16 calls total, 4 cases opened and they say we are square.... I don't believe it. Stay Away from this Bank, they don't know what they are doing, even the "Chairman."

I had multiple fraud problems and this last one they are refusing to refund me almost $2000! They said with a business checking I should be checking my account every 24 hours. I noticed about a month after the fraud took place as I don't even use this account and they are refusing my claim! Shame on them for failing to protect my money and not refunding me! I literally used this account one time to order checks. How can fraud take place!?

Had a student loan that was defaulted and transferred to Citizens Bank back in 2016. Apparently Citizens Bank never filed the proper paperwork with the credit bureaus at that time. Fast forward about 4 years and out of the blue last month, my credit score drops 93 points due to my citizens bank student loan. Upon contacting the chairman's office at citizens, I was literally told "we don't know what happened". I have not gotten any updates, my phone calls and voicemails went ignored for three weeks until I finally went through a different channel... Still no ownership or explanation about my account though...

Discovered five days prior to a mortgage refinance closing that my Citizen's Home Equity was never discharged at the registry of deeds which was paid off approx 10 years ago. After numerous phone transfers finally got to the correct department who took the information and assigned a case number. I called back 2 days later, was told that the discharge was mailed to my mailing address and would receive in 5-7 days. Ok, great! Asked if they could fax or email a copy to my closing attorney so I could close when scheduled. "I'm sorry we cannot do that you will have to wait for the original in the mail." Asked if they could send a copy to the closest branch and I could go in and pick it up, same reply. So here I am, waiting for the document and had to cancel my closing. All my closing attorney needed to close was "proof" that I would be receiving the original. Customer Service is awful, exactly why I left as a customer 10 years ago.

Deposit a check on checking account and they told me for suspicious reason the check was on hold for 90 days. They did not want to hear anything about it. not helpful at all. Will definitely close my account after this situation is solved. I do not recommend this bank to anyone. Poor customer service

I was victim of a scammer. As a result, I deposited a fraudulent check on my account. The check bounced and the bank charged me a $20 fee and closed my account. I went into the bank branch of Pawtucket to explain that I reported the scam to the police and to the Federal Trade Commission, that I was a victim and not my fault that the check was not good.

I deposited a retirement loan check into my account drawn off Prudential on 9/9. My account was locked down for fraud due to the check on 9/14. My check card was deactivated and I was unable to gain access to my existing funds in my savings or checking. Customer service transferred me to fraud card services who told me they couldn't assist me. I called back through customer service and asked for account fraud services. I was told by the foreign rep that he could not lift the hold due to the fact my account is under investigation. He said the check is on hold and it could take up to 2 to 22 days to resolve. The funds that I had available, prior to the check is also frozen. Thankfully this isnt my primary checking account or I would up the creek. Once this account is off hold, I am closing all my accounts and transferring my money back to Webster. Hate this bank.

My payroll check was deposited a week ago and there's a 10 day hold because the bank on the check hasn't verified funds. Citizens bank it's your responsibility as a business to verify the funds, meanwhile I starve while I wait on people not doing their job correctly.

My husband and I opened a checking account upon moving to Elizabethton, TN. I used the online bill pay after our initial deposit cleared (9 days-which was ridiculous on its own merits). The bills were all set up for payment on 8/5/19. A couple of the bills were paid semi-promptly, however most were not processed for a couple of weeks and one was not processed at all. It showed “paid” but money was not removed from our account and then I was notified we incurred a late fee. I went in person to the bank to try and clear this up but was told my husband was “primary” and he would need to come in. I assumed incorrectly I guess, that this was a joint account. This account will soon be closed once we can get our direct deposits changed...again. Online banking is terrible. My advice is try another bank.

We paid off our HELOC in the end of December last year. We discovered that the bank has not filed the release of deed in August 2019 (almost 8 month after we paid off). We sold the property on Aug 15, however, the buyer's lawyer is holding some proceed money since he can't obtain the proof that should be filed by the Citizens Bank from the county office! We spoke with Cape Cod regional manager about a week ago. She told us that she would escalate to Office of the Chairman and we should hear from them in 2 days. It has been almost a week since we were told that the office would contact us. Our lawyer whom we gave the power of the attorney has been working on this with the bank since the beginning of August and he has no luck so far!

While other banks responded in a timely manner, many of them in a matter of minutes, Citizens Bank took approximately 3 days to render a response. They also pulled a "bait and switch" tactic for APR rates and were not as transparent as other institutions.

I love the staff; they always make you feel like family. If I have a problem they always make sure they solve it. One of the things I don't like is on Fridays around lunch (the busiest time) they only have two people working the front.

I've been on hold for over 1 hour. Finally a foreigner who I could barely understand answers the call. Then they switch me to another dept. On hold there for a while, then they interrupt the call for me to leave my call back number, and now I'm waiting for a call back. THIS IS CUSTOMER SERVICE?? If I could rate them -5 stars I would. I guess their time and bottom line is most important and their customers can just go pound salt. After this experience we're going to refi and pay this off. Hey Citizens Bank - YOU go pound salt! Key Bank NEVER treats us like this and is fast, respectful, and friendly. Their hold times are practically non-existent. Same for Quicken Loans. I will NEVER do business with this bank again once our loan gets paid off.

I have had an account with this bank for a very long time. I have never been in the low balance category or had any problems that have not been fixed to my satisfaction. However, many things have happened that have caused me to consider a migration to another bank. I will try to keep this short. Years ago my card got shut off automatically due to a fraud charge. Happy about that. That's what I want them to do. I was told I had to wait a few days for all the pending transactions to come in to claim everything. For 3 days new fraudulent charges kept coming in even though there was nothing showing in the system or on my account online. All that money was put back but what concerns me is that the lady at the other end of the line, several escalations up, couldn't explain it and said it should not be happening, etc. I let that pass.

I requested a release of lien for a loan paid in full in April of 2012 on a property sold in June 2019, sent paperwork requested 3 times. I am still waiting in August 2019. I am unable to touch proceeds from sale because of this incompetence.

I’ve been a Citizens Bank customer for 4 years now and I literally don’t have one good thing to say about them. They never ever alert you when your account goes into overdraft when they supposedly set up text or email alerts (that was 3 phone calls ago and still haven’t gotten any notification..) They find little way to take your money. Always. They are absolutely rude on the phone. If you have the app, DELETE IT! It’s useless because it never updates the same day, OR something gets taken out the same day and doesn’t show, then sets you into overdraft. But yanno, getting the text alerts would’ve let me know the same day, rather than letting me know, "Hey we will charge you $35 by tonight if you don’t put the money in to get it right." Worst bank ever. Will be taking my business somewhere else. This is one of those banks that will soon go bankrupt.

I have had a checking account with this bank for years. I had a refund check from Synchrony Bank and deposited it it my Citizens' checking account 5 days ago. It was for about $4700.00. I was told by some moron at Citizens that the check could not clear because they could not get it verified by Synchrony. I called Synchrony and told me they don't know what they are talking about. I was told by Citizens that I would have to wait another week for my check to clear. I have never seen this in my life. It is a bank check. What's the problem. I will never deposit ANYTHING into this account again. I need this money to pay bills. NEVER AGAIN. THESE PEOPLE ARE CROOKS.

Walked in to 1880 Mineral Spring branch in North Providence. Waited for assistance on an issue with my checking account. Was received by **. and when I explained my situation was completely unhelpful and rude in her tone. Ended up calling 800 number and they resolved it after waiting 30 minutes on hold. I'm a customer of the bank for 8 years with both business and personal lines as well as having recommended numerous family members and others to the bank. Everyone should be treated the same though she didn't know I was a high value customer.

I’ve been banking Citizens Bank for over two years now And I have never been happy about it. The overdraft program is supposed to keep you from overdraft your account. But every time I turn around I’m being hit with overdraft charges. The agent explained to me that the program only works if you're using the card but recurring payments don’t apply. But I feel if I can’t overdraft the account how could someone else. Clearly that’s how citizens get paid by not explaining completely about what the overdraft program protects..

I spent the last 1.25 hours on the phone or on the website trying to just CHANGE my password!!!! It should NOT be this difficult! Now I get an error that says "The information you requested could not be displayed. Please select "Go Back" and try again." And the site no longer recognizes my ID or PASSWORD!!!! Wait on hold for another 20 mins to get a stupid "supervisor" girl who insists on my giving her my cell number to change it because it's "required". (NO. THEY ARE NOT GETTING MY CELL NUMBER!!!!) So now I'm locked out of online banking, missed school classes today because it's too late for me to go in now, ruined my week because I need to go and make up classes on my day off ALL BECAUSE I WANTED TO CHANGE A PASSWORD!!!! I'm closing my account.

Went for a refinance with Citizens having a lower 800 credit score, plenty of income, all my files sent in diligently and electronically and over $330G in equity... 4 months later and still no closing in sight and lost my lock-in rate (now paying an 1/8 of a point higher with another bank). Original Mortgage Originator quit the bank, assigned to his manager that was slow and did not communicate at all, after complaining to CFPB I was assigned a "corporate advocate", who also never communicated and fell off the face of the earth and now I am filing complaints with Dept. of State, Federal Reserve and BBB. Stay clear from Citizens Bank and go with a mortgage person that communicates well.

I was approved for a Citizens credit card on 6/7/19 and was told the standard line the card would arrive in 7-10 business days. After MORE than the standard 10 days (7/2/19), I called Citizens again to let them know I still had not received the card. This was followed up with a guaranteed overnight delivery via FedEx that should arrive by 7/3 but at the latest 7/5/19 (due to the holiday). Both of those dates came and went and I still did not received the card. Now today (7/8/19), I called again to say I never received the credit card sent through OVERNIGHT mail back on 7/3/19.

I have had an account for over a year with them. I've been noticing that they will process debits first, before they process deposits.. which oftentimes can make your account go into the negative. And this doesn't show up when you check online. If you rely on online banking, you're scr*w*d. The last time my account went negative, I went into the branch and successfully argued for them to remove the overdraft fee, because the only reason I went negative was they did not process my deposit till after 5p. So my account went negative before bank closing, even though I made my deposit before 8, which is when the ATM says deposits will be processed same day.

I have banked with this bank for well over 20 years. I have used online banking for the last 6 plus years. They will no longer allow me to pay my home equity loan, which is with this bank, from my checking account, which is also with this bank. After many hours on the phone, they still refuse to fix their problem. Their solution is for me to go into the bank and pay it out of the same account thru the teller. Ridiculous. The only thing I can figure is they have no knowledge of their own online banking system. Needless to say we are leaving this bank.

They literally screwed, such as inappropriately charging me interesting, restricting my cash back services, rude customer service representatives and other things that I don't really feel like going through all of it, but what I'll say is you bank with them at your own risk.

I got an auto loan through this company. The dealership got it for me. Their website and app to pay my loan were very glitchy in the first place. Once I traded the vehicle in, the dealership took a while to send them the payoff. I informed them I had traded the car in, but they still added me as having made a late payment on my credit report even after I traded the car in. They also refused to remove it from my credit report and were pretty rude about the entire ordeal.

They make any excuse to steal your money, then when you call about it they say "I'm sorry for all the misleading information. I don’t know why they would give you that information." Now I know why they got Sued and lost. Sad that they're still playing the same games after the fact. Read all the reviews before you even think about opening an account with them. You will be regretting it.

I had suspicious activity on my account, called immediately. They cancelled my debit card, overnighted a new one. Fraud continued, 4 more calls, overdraft charges. It had nothing to do with card. It was the account. I'm out over $450. They tell me in a few weeks once they investigate it will be corrected. Why do I have to wait a few weeks? I've never reported fraud to them before, a customer for over 20 years. I think the money would be a very small impact to them. I was disconnected, hung up, no customer service. Typically spoke to India. It was a horrible experience and now I'm changing my bank!!

I opened an online CD account in January, no assistance from any actual employees, I did all the work to open the account and deposit my money. In March, I lost my job. In May, 1 month before starting my new job, realized I was slightly shy on cash and called to access some of the cash, but intending to keep the majority in the account - even open a new one. They wouldn't do partial anything, and the penalty cut into the principal amount. When they suggested I provide documentation to substantiate the hardship, all they can accept is hard copies. So, I do the work online to send in my money and the only way to retain it in a hardship is to spend money and send you hard copy of personal information by snail mail?

I was charged fee after fee when trying to close my account!!!! The root of this problem is their super lame mobile app that didn't show the amount of money that I had in real time even though I have checked if I had outstanding payments. Do not bank with them. Period.

I have had this account 4 months. I swear if I even look at my card, I incur a fee. My major issue is I get the same deposits on the same days every single month. I signed my electric bill up for bill pay. Well they processed the bill payment before they posted my direct deposit. They then didn't pay my electric bill but charged me 70.00 in overdraft fees. The electric company then charged me 35.00 for the returned check and now I cannot write a check to them for a year. I am in a fee nightmare. They charge money to get a paper statement last month so I was in the negative. I have news for them, no more money is going into that account EVER. Already cut the card up. I also never received the 400.00 I was supposed to get after opening my account. Even though I went over the direct deposit amount needed in 60 days to receive the 400.00. DO NOT GET AN ACCOUNT HERE!

I have a mortgage loan with Citizens Bank. That process was seamless. Fast forward a couple of months, my escrow payments are not correct. I am paying significantly higher than what I need. I have been calling and calling and have not been able to speak with anyone! On numerous occasions I have been on hold for 30, an hour even two hours!!!! THIS IS HORRIBLE. They are taking my money and now I cannot talk to anyone to fix this issue. DO NOT OPEN AN ACCOUNT WITH THEM.

I have spent the last 1 1/2 years trying to close an account. I have made multiple trips to branches and multiple calls over the phone. After a year of no bills and multiple assurances that the account was closed I received a new bill for $125. I then spent half an hour on the phone speaking with incompetent people. I would suggest running the other way in order to avoid dealing with these people.

Had an account with them since 2013. 6 years later they just debited almost $200 from my savings stating I owed them for a "charge off" on my account. No notice, no letter, no phone call. When I called the customer service they put me in touch with the recovery line. They stated they didn't have a current address or phone number on me which is a complete LIE!!!! Any overdrafts are promptly paid and I owed them nothing. Go into branches all the time and nothing said. Needless to say I will close my account tomorrow after my direct deposit posts. I will also file a complaint with FDIC. Going to a credit union. This isn't ok!!!

Been traveling abroad for the past 12 years with Citizens bank as my desired credit card of choice until recently. Typically I would phone a Citizens rep to report my travel destinations, they would ask for info to confirm my identity and I would provide that information. On this one occasion - after 12 years of traveling abroad - the rep stated he would need to verify my identity via text message. As I explained I'm using a mobile not registered with the bank (mobile phone typically used when traveling internationally) and if needed, I can verify all personal info including the exact amount of my last transaction. The representative denied my request to note my card for travel even after consulting with a supervisor. Fortunately for me I had second credit card on hand and was able to note that card of my travel dates and countries (ALL AUTOMATED) in less than 5 minutes. Needless to say I will close ALL accounts with Citizens as soon as I step foot back on American soil.

There have been issue since the first week I opened an account. I opened a new account and had to wait a 10 days for the card. Fine, no problem but the card comes in my name is incorrect on the card so it can’t be used. Fast forward a few months and they call me to tell me there has been fraudulent activity and they cancel my card and and tell me I’ll need to update all my payments that come out automatically. I didn’t receive the card for over a month. On top of that I removed my money from that account to another I have there and I’m charged an overdraft fee because my payments that they told me would need to be updated are still coming out. I can understand paying for the things that were taken out automatically but you would think they would refund me the overdraft fees for giving me false information. Nope, still requires to pay them as well. I’m definitely closing my accounts.

I opened an account with them, didn’t have any issues at first. Once I set up online banking with them and I started watching everything I noticed fraudulent charges on my account some in which were out of country, never been out of country nor bought anything out of country. So I called them. They would freeze and deactivate my old debit which I was thinking good, until they kept sending my debit card to the wrong address. I opened my account in the branch in the town I lived in. The first 1 I ever got was sent to the right address then they kept sending a new to wrong address, I had to call multiple times about fraud so they kept repeating this over and over again and mailing my new card to wrong address. I had to keep calling FedEx to bring it back to their station so I could pick up up. I still kept getting fraud charges on my account, so I finally had it with them.

If I could give this bank a 0 I would. The bank teller Jeffry at the Lower Burrell PA branch is a sarcastic, condescending jerk. Instead of explaining in a professional manner why they can't answer a simple question about MY account he gets condescending and treats you like an idiot. Absolutely REFUSES to show you on a computer at the branch how to set up online banking. Gives you an 800 number to call customer service who tells you to go to the branch for help. Now he's REFUSING to deposit my checks when there's money in the other account from where it's coming from to cover it. It's a HUGE runaround.

The bank is living before the stone age. I started with them because of great mortgage loan rates. (Better than my other Banks). My first month I try to pay my mortgage from my account & every time I do it keeps sending me to another site. It wants me to sign up so I do but it won't let me without approval. This is on a weekend (my days off). I search around & can only get approval when I'm at work but my company is strict on personal phone use at work. The whole process was a big hassle. I get signed up & you have to jump through hoops for a password, but I still can't pay my mortgage through my account.

When calling Citizens Bank Cust Service line, you are on hold each and every time for at least 5 mins! The call is answered by an overseas office - India in my case - and the language barrier makes it impossible to have a quick and easy call after waiting for someone to pick up. I have asked to be transferred to an American office and have been left holding for another 15 mins with NO ONE picking up the line. All of this in the middle of my work day. After calling back AGAIN - I was forced to speak to a person in India who, after being put on hold once again, was not able to understand nor correct the issue I was having. He just kept repeating the same sentences over and over again. I am through with Citizens. There are so many companies wanting to pay me $300-$400 to open a checking account with them. It is now time.

A fraudulent charge was made in another state (GA - I live in MN) at a Mariott Hotel for $980 OVER my limit. Not only should the charge have been declined by Citizens, but it should have rung alarm bells and been reported immediately to me as being a strange charge. Ten years back, Bank Of America, notified me immediately by phone about a charge made in the UK and also IMMEDIATELY refunded the amount to my card. Their mistake, their cost.

I have never had so many issues with a bank as I am having with the Citizens Bank in Newtonville. I opened an account for my 16-year-old daughter with Jay the manager well over 3 months ago and Jay has misinformed me from the day I met him. The promotion offered to me, required one direct deposit of $1,000 to get $400 (below screenshot) which I complied with. To qualify for a new checking bonus you must open your first new personal checking account, excluding Student Checking, between 1/31/19 and 5/16/19 and have at least one single direct deposit post to your new checking account by the date stated in the table below based on your account open date.

I've been with Citizens Bank for over fifteen years, checking, savings, home equity loan. Ten years never made a late payment to this bank or any other creditors of mine. I put a payment in and it was one day late. This bank reported me to my credit report. I have always maintained a 100 percent on time payment on my credit reports with all my credit cards and car loans. Now because I was one day off, without any phone calls or warnings from Citizens. They reported me and my credit score dropped 50 points and I no longer have a perfect payment history. This bank had no care for their clients. I will pass my experience off to everyone I meet. Hopefully I can put a little dent in their reputation.

**, Bart **. Worst customer service agent I have ever dealt with in my life. Wouldn't even work with us or try to help us with a refinance. Told us go with the other guys because the other companies said they would approve us but he was having a hard time doing so, so he basically brushed me off. What the heck is that? Crazy. I am glad we didn't go with them anyways, what a joke.

They sent me a misleading letter saying it was 0% for 15 months. I opened an account. It gave me a low limit, thank god because they charged me interest rate. Also this bank online website is terrible. Eventually I got no apologies about the misleading rate and I went ahead and just shut down the account. Don't use them.

This is the absolute worst bank I have ever had an experience with. They do not give one single ** about you or your money. I had $11 in my account and someone UNAUTHORIZED attempted to take out $975… and this ** place let them! So I am now down over $1000 because of this banks carelessness. No one called me. No one locked my card. They didn’t find it suspicious. I have never spent that much money in one rip in my entire life. When I called them about it they couldn’t have given a ** less. This entire company is ** and so are the people that run it. ** every single one of you. You just lost a customer of 3 years and I will never ** recommend you ** to anybody.

Was sent multiple letters about refinancing my home. I inquired about this product at a local branch they sent my information to the mortgage lender in State College PA. The finance officer emails an approval letter then asks for employment information. The loan officer stated since I’m self employed that most banks considered people like us second rate citizens which I found offensive. So anyone who is self employed don’t bother wasting your time with this bank. You’ll get nothing but a back door insult.

Opened account and wasnt aware had to direct deposit to get bonus. Worst banking experience I ever received. Misleading just to get a customer. Didn't offer any other solution. Didn't think business was this bad to lie to customers. I wouldn't recommend this bank to anyone.

My mother died about one and one half weeks ago. I was POD (payable on death) of her 4 accounts. I had valid death certificate from Funeral Home with raised seal. Went into branch with my photo ID (license) and was REFUSED service. The woman was rude and uncaring. Didn't even say she was sorry my mother was dead! And would NOT let me take over the accounts or get my money. I was very upset. Went to M&T and they were great. Completely different attitude. Don't try to get your money if you are a beneficiary because they will give you a hard time. I had to call my estate lawyer.

I've hated this bank since the day I've opened it, I had a bank to bank transfer and the damn thing didnt get approved for over a week then we tried to deposit so instead of putting the money in my account I went negative a few thousand and was charged overdraft which then they closed my damn account! Ugh I'm so frustrated for Christ's sake I couldn't even cash my work Paychex check without waiting a week for the damn thing to deposit in my account and while all that deposit chaos was going on they put the little money I did have on hold and froze my whole account.

My wife went to branch to close an account she no longer needed. Instead, they closed an account in my name only that I have my SS deposited into. Luckily I checked my account online and found it closed. My check was due in about 10 days, had I not checked my account my SS check deposit would have been returned. That would mean no food or bill paying for a month. They blamed my wife because she signed the slip the teller gave her. Stupid error - the account didn't have her name on it.

I have never had so many issues paying a bill. Just signed up a car loan with them. First when you pay a bill online, you have to omit the first two zeros of the account number to sign up. I understand most companies do this, but there are 6 zeros, so how would I know to only omit the first 2. I only found out when I called in. Then their service doesn't work on mobile. Glitches all around. Then on an actual computer, still issues logging in. Finally paid, but hours later. I will be switching to another auto finance company that avoids making this so complicated.

I ordered checks from a branch I was told they would be $9.99 when I check my account a week later I seen they cost $27.I called customer service was told I would be refunded for the checks and any overdraft fees. Had to argue with a manager they will only refund you a overdraft fee once a year. Seems nobody ever knows what the policies or rules are. They are all over the place. I WILL BE CLOSING MY ACCOUNT!

So, if you sign up for text/e-mail messages when you 'accidentally' overdraft, you would expect to be notified the DAY of overdraft right? Wrong. They are so kind to let you know AFTER they charge you overdraft fees. Thank you Citizens - a day late and dollar short is truly 'customer service'; NOT.

It seems like whoever takes the call in the student loan department has no knowledge of what is being asked and they immediately transfer you to the next person. This goes on from person to person until someone gives you an inaccurate answer. If you call 3 times, you will get 3 different responses from each one of them. My son took out a student loan from them but he did not need the money because he got a lot of scholarships. We called them several times not to disburse the loan to the university but they still did because they can charge us interest, if nothing else. We are already researching other loan options from other lenders.

Citizens Bank had given me wrong information when I called the customer service. I ended up putting money to cover some transactions that the lady told me would be possible and they still charge me anyway.

I received a torn $20 bill with my withdrawal from Machine Bank. Told me that it was their policy not to replace ripped bills so I was just out. I walked over to the Fifth Third Bank and they replaced it no problem. It was like night and day difference. I went back to Citizens to finish my deposit. Relayed my experience at Fifth Third and told him after 30 years of business with them I could not believe how they treat their customers since I was getting a little older gentleman walked up and said he would gladly close my accounts for me right now if I would like. I told him I will switch to Fifth Third but on my time because I still have checks out. I have financed two houses through this bank and they even know me by name and this is how they treated me. I would not recommend Citizens Bank to anyone ever.

I am a graduate student in Boston, MA attempting to finish a Master's Degree in Clinical Mental Health Counseling. To obtain this degree you are required to do 2 unpaid internships. I am in my second internship working with at risk youth in inner-city Boston. Not only is the internship unpaid, but it costs A LOT of money as it is part of the degree program. Consequently, I am dependent on financial aid to pay rent, bills, food, etc.

Approved by them for mortgage then just before closing they 'reneged.' My credit score had dropped before closing, because we had moved out of our old house and unbeknownst to us missed a bill payment that went to collections. I was also never made aware they were doing repeat checks (partly affecting score). They agreed, looking at our finances, we could easily close and make payments but the sticking point was the FICO score.

Stay away from this bank as far as possible otherwise they will suck all your money. This is by far the worst bank I ever have. To close the account, you have to make the balance to be exactly 0. Otherwise you have to go to their branches, which are so few. If you overdraft by any chance, they will charge $50 for every three days. And they will not notify you by any ways, just secretly stole your money.

Citizens is the "Robin Hood" of banks!! Like many here, I check my account regularly. I woke up with my account in the positive and by midday, I had a negative balance, yet my account still showed there was money in it. I called, sadly, the last two customer reps I talked to were sympathetic, one agreed that he did still see money in my account. But the arrogant manager we spoke to, Shawn **, was not budging not sympathetic. In fact his tone was very condescending. As soon as I can untie myself from this bank, I'm heading to a credit union. I can't afford to keep paying them to keep their doors open, when I'm trying to keep a roof over my head. It's time to talk to someone with a law degree!!

It actually was one prolonged wait after another to the tune of being there until half hour after closing! This is run by a manager that won't even make eye contact with you. As you wait for a representative she just sits in her office!!!! Very lousy to have to wait one and a half hours to open an account!!!

Sometimes struggling companies start breaking rules when the end is near and that is the case with Citizens Bank. Banking with Citizens has gotten so bad that you literally have to take screenshots of your transaction for every purchase and deposit you make if you want to be reimbursed for wrongful fees. Also if you get paid or make deposits after 7 pm Thursday the funds will not be available until the following Tuesday morning (see funds availability policy). Debits however are immediately withdrawn 24 hours a day 7 days a week and any funds on hold will not cover the debits so you will be charged $35 for each transaction. There are a lot of good banks and it's best to thoroughly research their policies before choosing the one that's best for your needs but I would stay clear of Citizens Bank.

I was on vacation in North Conway, NH and went to withdraw money from the Citizens Bank there. The bank teller was extremely unprofessional and disrespectful. I asked for 20 dollar bills and the teller said it was an inconvenience. Most establishments do not accept 100 bills so I asked him to try to accommodate me since I would be spending money in their local economy. It was only a few hundred dollars, so it should have not been a problem.

Awful experience. FYI don’t call contact for loan. They screw up paperwork and are not held accountable. Also racially bias. What loan processor asks what’s your nationality when they have your application details. Don’t have Tina ** process your paperwork. She will misplace your fax, not return emails and place blame that you didn’t call the 1800 # in time. Also screening credit twice. She had an agenda well played.

I was a bit behind on my mortgage, when I went to the website to pay the amount past due it only gave me the option to make two or three payments, not the monthly or lesser amount. So I sent a check instead, filled out with account number and all the particulars, but they never cashed it. I sent several emails using the secure messaging on their website, the response to my email was simply "Our website requires the total amount due to be paid when submitting a payment. Since your loan is not current at this time, please contact our Consumer Counseling Department directly at 800-456-8855 Monday through Friday between 8AM to 8PM Eastern Standard Time to discuss possible payment arrangements".

I deposited a check on a holiday weekend and called the 800 number on the holiday to check on funds availability. I was told by the agent that the funds would be available on Tuesday morning for use. I checked my account and it was credited on that day. However, I have now been charged $70 (2 overdraft fees) for insufficient funds. I checked my account and the deposit was indeed credited - no negative balance.

I open an account January 2019. My life and money with this bank has been HELL. My job banks with Citizens Bank. All my direct deposit are put on hold for 24hrs and they are charging me $35 in overdraft fees. I have been charge over $600 in overdraft fees less than a month. They only offer 2 reimbursement out of $600. The manager is trying to explain the reason why I'm charge all these overdraft fees. I asked her, "I have direct deposits coming in once a week. Why are you putting my deposits on hold? Y'all are deliberately putting my deposit on hold then charge me $35 in overdraft fees." She said oh there's nothing she can do. If my job you use a Citizens Bank and my checks come from Citizens Bank and I open up account with Citizens Bank so I wouldn't have to pay a fee for cashing my checks why are you putting my checks on hold for 24 hours.

I've never in my life had such a horrible experience with any bank as I do with Citizens Bank. God-forbid you try to pay a bill on a Friday or Saturday before you withdrawal your money. You will definitely see a negative on Monday and get hit with a $35 fee on top. Everyone here is almost having the same problem with this bank. I was on a positive after I paid a bill that the bank had pending over the weekend. I withdrew $30 Saturday out of $35 I had left over in my account. I had $3 and some change left over. Next thing you know, my account is on a negative Monday when I was told by an assistant manager that my account would not be on a negative even though the money for my bill was pending. There is no reason at all why my account should be negative.

I used this company in the past. Stopped using the account but left a few dollars in the account to keep it active. Find out I somehow owe them 360 dollars. Ok, fine. I made an error. I'll pay what's owed... No big deal right? Oh no, it takes time. "Open an account with us and we can systematically pay it off as you go." (I can't get into a local credit union until its resolution) I agreed under the terms that there is no overdraft, I don't want it and I want the card to just decline. I went for surgery and my account somehow dipped below by 57 cents. Yes...FIFTY SEVEN CENTS!

I've been a customer for about 3 years now. Never had an issue with Citizens up until now. I noticed since about Oct or Nov that I would have an available balance and some pending debit charges but the available balance was adjusted to the debits. At times they would be pending for days showing an available balance. The next day I would be in the negative. I would replenish the money immediately and still be charged an overdraft fee.

I went to sleep my account was positive. In the morning it was negative, one hour later I was about to pay the negative and boom they charge me $35 fee and they post the account was negative the day before. I don’t know if they are magicians but it helps them rob their customers with no shame. I’m closing my account right after I start receive direct deposit into another account from my job.

So I open an account with the promise that I would get a $200 sign up bonus incentive. I sign up in August and was required to have a direct deposit set up to receive the incentive. I set up my direct deposit right away and started having money put into this account on October 1st. I was told I'd get the incentive within 6 weeks, after 6 weeks I went into the branch and they said it's 90 days. I wait 90 days and still nothing. I go back into the branch and they say, "Just wait another week and it'll be in your account."

In Sept 2017 I opened an auto loan account, everything was ok except their site is not user-friendly. I made payments on time every month like a good customer. In October 2018 my daughter had an accident in the car and it was totaled. My insurance company very quickly sent a payment (less than one week after the accident). Because there was still a balance on the loan I continued to make payments. I had GAP insurance which requested several documents before issuing a check. I got everything I needed from each place EXCEPT Citizens Bank.

Have accounts and loans with Citizens Bank. They reported 30 days late on 2 loans. One from 7 years ago and another from 2 years ago. Both paid off and my credit score fell. I take issue with the one from 7 years ago being reported now, along with the newer one. Lesson learned. So worse interest rates for me but good news for my new bank.

I needed to contact someone about my account and have made 4 calls and have been redirected every time until the call is finally dropped on their end. Literally hours wasted! They are quick to take your loan application but impossible to contact.

I came across this review board somehow searching Google. I have been using Citizens Bank for a little over a year. I have 3 accounts with them, the standard OD service and as long as I use the accounts & transfer at least one cent to each one via their transfer from account to account I NEVER get a monthly fee. As far as overdrafts, I know the rules and I agreed to the terms. If I do OD my account I have 11 hours to put the money in to cover what I overdrew and only after 11 hours there will be a 35.00 fee. If I put the money in within the time frame they allow I have NO fee. The CS has always been friendly, kind, knowledgeable & courteous. They are human beings. Treat others as you yourself want to be treated. Anyway, I love this bank.

I use this account only for my small side business. I only put money in and take the same amount out. Well, I find out today that my account got overdrawn for .37¢. Yes, .37 CENTS!! I was charged a total of $160 in fees for this small error!!! Things kept snowballing. I was able to get two of the $35 fees refunded, but I am still being charged $90!! This is completely unacceptable. I guess this small petty change error really hurt Citizens Bank to cover. Not once did I even get a letter sent saying that it was short .37¢. Talk about robbing the customer with fees!!! I don't even write checks from this account.

Terrible experience. Had 6k stolen with fake checks from my account. I reported the fraud the day after the fake checks cleared. Was told 6-8 weeks until the money can be returned and it’s now 10 weeks and I just get the runaround when I call. Opened a new account at a local bank and am leaving Citizens Bank. Garbage bank. Stay far away.

I call the bank about a transaction that I do not recognize on my account. The representative provides the merchant name and telephone number. When I called the merchant in Sioux Fall and indicated that they had charge my account for services I do not have as I am located in Pittsburgh; the merchant told me that the Accounting Department would not be in the office until later. I called the bank back and indicated that the charge was fraudulent based upon the information I received. Since the transaction was pending the representative stated that she could not stop the transaction. I requested to speak with a Supervisor. The supervisor verified the information and indicated that I had been given the wrong information about the transaction. After she provided the corrected information, I was able to confirm the transaction. I requested that she remove the dispute and hold on the account. She stated that she would.

You open an acct. they vaguely go over the details. Then a year later when you haven't used the acct. for several months instead of them sending a letter or email or dang pigeon at least to let you know they are charging dormant fees...they just start at 9.99 a month. Now they've taken close to 100 from me and only refunded last 2 charges. Thanks Citizens for NOT taking care of your citizens. If it could be half a star they'd get that.

I have had a Home Equity with Citizens Bank of PA for over 15 years. Recently was unable to balance my monthly statement, $50 discrepancy. Called told that they started adding in that amount to balance which is the amount they estimate the recording fee's to be "WHEN" I pay my loan off. Has anyone else run into this situation? I am not paying my loan off at this time, so this charge has not been incurred. This will be charged when I pay my loan off, right now I am paying additional interest on $50. I would like to hear from other Citizens Bank customers who have run into this situation.

I have an account with Citizens Bank for over 2 years now. They are not clear when you open an account and will charge you a lot of ridiculous fees. I will close my account with them in a couple days. A customer shouldn’t feel unsecured or worried when it comes to banking. Bye Citizens, you suck.

In August of 2018, my information was stolen and someone stole $800 from my account. It took Citizens a month to get my money back to me! When I called to report the transaction (you can't do it online like at USAA), the representative asked me several times if I made the transactions. They told me that I needed to contact the place where the charge was made, but I didn't have an account with the unauthorized business that made the charge. Finally, after calling twice, they got around to investigating to find that I didn't authorize the charges.

If I could I would give them zero stars. My father had problems with Citizens Bank rolling over a CD for another year and not notifying him, then I had a POA (legal document but was from 1999) and it literally took 3 hours of running around to satisfy them, and now my father passed away a month ago. I am a named beneficiary-confirmed by my father and the bank during the POA mess. Citizens Bank was informed a week ago, all the documents they asked for were sent- death certificate, photo id, and will that names me executor, and NOTHING has been changed on the accounts. And when I mean nothing, I mean NOTHING.

I deposited a valid check on Nov. 6 and 6 business days later it still has not cleared. I'm closing my account as soon as the check clears. In this digital age of banking there is no excuse for taking this long to cash a check that has been deposited. I have 4 other banks I do business with and after depositing checks with them they clear in 1 or 2 business days. Citizens Bank is a fraud.

I had three checks clear my account that I did not write. On October 24th I reported this to my branch and they started the paperwork with the fraud department. I was told that it will take 6 to 8 weeks to resolve. I called at the end of November for an update and I was told it was being worked on and reminded of the 6 to 8 weeks. On December 5th I received a letter dated 12/1 stating they have reached out to the other bank. I call the number on the letter and was told that they did nothing until 12/4, remember I reported this on 10/24 and a letter dated 12/1 stated they started the process. I was then told the 8 weeks is a minimum and they have no idea how long this process will take and it takes what it takes. It could be tomorrow or 3 months from now.

My payroll check is deposited electronically the first of the month. They rolled back three automatic payments to the 30th of Nov to adjust for the weekend. I manually went in and changed the date back to December knowing there would not be money in that account until the first of the month. They overrode my manual change and paid all three on November 30. Which sent my account into overdraft. I called on November 30. Spoke to foreigner who put me on hold and then came back and said sorry for the delay then disconnected me. I immediately called back (drilling down through the normal menu and waiting my turn for 10 minutes) and spoke with Dawn of Pittsburgh. She confirmed that there was enough money for the first $50 payment and the second $350 payment. The third $1400 payment caused the overdraft.

Everyone quick to blame the next person on a claim I made about a charge from Secretary of State that gave me blank license plate tabs and so I went to another machine that gave me what I wanted. I called to get a refund on the first charged and this guy says we have to put it in a fraud. Well 4 months later Secretary of State didn't get paid and I no longer have a legal vehicle. Citizens Bank admits it's their fault but won't help me in any way. Now I have late charges and no way to work. Thanks a lot Citizens.

I’ve been banking with them since June and haven’t had any problems up until now. When I deposit my checks they take at least 3+ days to clear. As I start making purchases, I notice they pend for a couple days then go through, but my balance doesn’t accommodate to what I’ve spent. My balance was $218 until I spent about $20 yesterday but when I check my account it says I have $219 (No I didn’t deposit any money) and the purchases are nowhere in sight/still pending... They try to post/hide your purchases until you spend too much and end up in the negatives! Some purchases won’t even show up until a few days, then I realize I spent way past my limit since it shows my balance as more than what it actually is! Any tactic for them to get extra money, they’ll use it. Be careful with this bank.

I went into the Citizens Bank branch in the Walmart at 2101 Blair Mill Rd Willow Grove, PA 19090 and asked if I could deposit or exchange $35.00 of rolled coins I rolled the night before from all the loose change in my car. When entering the branch there were 2 young tellers sitting at desks talking to each other and made me feel as though by coming in...I was disturbing them. I told them what I wanted to do...and immediately the one teller said they would only do anything if I had an account (which I do have). Before I could even answer, she asked how much rolled change I had... I answered then she asked the other teller if she needed change and if she did then to take it but if she didnt then they couldnt help me.

I wrote out my loan check for $1,100 just like I do every month. This morning I woke up to an $11,000 cashed check! I pulled up the check to make sure I didn’t make a mistake, and clear as day it was written for $1,100. I called them and they said I need to contact my bank and file a claim (that will take 10 days to rectify) and that they cannot help me. I spoke to a supervisor and she sat there over and over telling me there is nothing they can do. So this bank makes a mistake and I have to have my bank make them fix it? Right in time for the holidays. I do not recommend them for any customer issues or any concerns you have. Maybe because I don’t use them as a bank and only have a loan through them that is their reason to not care, I don’t know. However, after this experience, I will never use them for anything ever again! Terrible treatment of someone who pays on time every month with no issues ever!

This is the worst bank ever!!! They steal my money with 35 dollar overdraft fees and I had a refund from Amazon they never processed so therefore here come 35 fee because of their mistake! Be aware. Don't use this bank.

Citizens Bank is so shady! They literally would post a transaction the next day and backdate it just so they can charge you an overdraft fee! And then they claim that it was not a bank error and try explaining that to a manager. This happened to me twice!!! And they literally take forever to post a transaction just so you can make more purchases and then overdraft your account! I also deposited money to my negative account within the same day and they still gave me an overdraft fee! If I didn’t call in the next morning, they wouldn’t have refund the fee! They literally steal your money through overdraft fee and I’m literally going to close this bank tomorrow. I had it for less than a year!

I have used 0% promotional periods for credit cards. I used their 0% promotional checks they send to current card members. They're the only company that charges interest if you don't pay in full on balance transfer fee. I've had credit cards since I was 18... I HAVE NEVER HAD TO PAY THE BALANCE TRANSFER FEE IN FULL IN ORDER TO QUALIFY FOR NO INTEREST.

On 11/14/18 I personally opened in my name a 15 months CD at the Kendall Sq. Branch (#841) in Cambridge, MA. When it came to setting up a routine "Beneficiary Payable at Death", the Manager [D.K.] refused to accept a 'Trust' established over 14 years ago, until I present IN PERSON the original document. My explanation that the document is presently stored with other legal papers with my lawyer, and I DO NOT POSSESS it anymore (but know all details!), was not convincing. As this whole transaction took place in a rather 'customer unfriendly' atmosphere, I decided not to press it any further, and next day called Citizens Bank Customer Service.

Citizens Bank has been stealing my money through overdraft fees. It is never the right balance on the account. I have been fighting with them so they can refund me but they refused. I closed the account. Worst bank to deal with.

I am banking with Citizens Bank branch located at 125 Stephenson Hwy, Troy, MI- 48083, Stephenson and 14 mile Road in Troy, MI for almost 1-2 years. I am a business bank account holder with this bank. Worst exp ever with any bank in my last 15 years. I had to get in touch with the manager in the absence of ** (nice guy, who always been kind and helpful). I called ** for a reference letter on 11/8/18, he said it's only manager, **, who is authorized to do this and he is out of office till 11/13/2018. When I talked to ** on 11/13, he said that to fax or scan email any such reference letters is against their policy and need to be collected physically at the branch.

I have been a loyal Citizens Bank customer for over 10 years without any complaints. I've experienced 3 account hacks in the last 3 months, each time resulting in a frozen account and not having access to my money. I wouldn't be upset if I did something to jeopardize my account, but by their own admission (and an official warning sent out by the FBI) they've been experiencing system wide hacks where hackers get into the bank's system and are able to alter your account, making charges that can look normal so you and the bank won't notice. 3 times in 3 months is insane. 3 debit cards, 3 bank accounts, 3 new direct deposit forms. The holidays are around the corner and I can't access my own money without being on hold with customer service for hours. I'm closing my account immediately.

I recently opened a checking account with Citizens Bank in August and have had nothing but issues since. Citizens Bank website is always under maintenance making it nearly impossible to gain access through the online banking feature. The few times I have been able to access my account online the account balance takes forever updating after making a transaction or will read that transactions cannot be displayed at this time. When trying to call and inquire about my account balance via the customer service number it will mention they are having technical difficulties accessing my account and connects me to a representative. I have spoken to at least 5 different reps about these same issues and they apologize and submit a complaint but so far nothing has changed. I have already opened another checking account with another institution and am closing down my account with Citizens ASAP. I do not recommend this bank!

So here it is on a Saturday morning and I go and try to deposit balances from Venmo and Square. Turns out that they were both rejected because Citizens Bank is DOWN. I cannot use my debit card for anything. No withdraws and no deposits. This has been an almost weekly thing with Citizens.

Since October 19th, 2018 I've been having issues with my account, I fixed my negative balance on 10/19/2018 of -161.80. Deposited my work check of 351.50. The check cleared on 10/20/2018 because my account was no longer in the negative and there wasn't a message that my mobile deposit was on hold. I end up making a purchase from AliExpress, for 19.59 and the payment was taken out immediately. After all my purchases cleared and went through I was left with money in my account, I go back online to see my account was a -19.59 from being charged again from AliExpress. I then speak with AliExpress and was advised to reach out to my bank about a second transaction that shouldn't have been taken out. I was told that yes the 19.59 is going to credited back to my account on 10/23.

So I have my debit card. This happened on a few Cajuns. 6 to be exact. I make a purchase. I'm dealing with overseas customer service at the time. It was Bangladesh so I noticed you know if it comes I couldn't get online and check my money between the 3rd and the 7th of the month because the statement comes out the 5th so I find out gears for overdraft fees associated with unauthorized use of debit card. $2.99, $29.89, 1 for a dollar 99 so 94 hour clean. They got to pay the claim in 10 days in Pennsylvania. I'm in August. My claims are still being paid from April and March. You got to notify the district attorney. File a claim with them. They're well aware of what's going on. In fact they make it easier for you. In fact they make the bank do what you've been asking to do for the last 6 months. That is the work and they refused to work when you called.

I opened an account with Citizens Bank in 2015 because they had a branch right down the street from my house. I only needed an account where I could keep my emergency funds so I set up a checking account and a Money Market account. I thought I'd put a thousand in the checking and the remaining in the money market in hopes of making a little interest. I never received a dime of interest on either of these accounts. In fact, if I didn't deposit money into my accounts every month they would charge me $10! My money actually became less while I had it with Citizens Bank due to their fees. I complained about it and they told me that I needed to deposit a few thousand dollars more to get on their "preferred" customer status and then I'd receive a higher interest rate.

I recently had some issues transferring funds from an external account into my Citizens' personal checking account, which lead to some minor overdrafts. I instantly deposited a Bank Check for $1,000 that more than covered the amount...the "overdrafts" were there for less than a day, yet I was assessed 3 overdraft fees of $35. Not only would they only waive 2 of the 3, but the ** lady customer service supervisor (and you can tell she was ** from her accent) was completely uncouth, unprofessional, and condescending. I am only pointing out her ethnicity because I did not catch her name and would like her held accountable.

I became an individual checking account customer a year ago because my branch's location was convenient. Within a few weeks, I deposited a large (for me) check from a company client paying for my services. I wrote checks against the deposit which began bouncing immediately (at the highest bounce fee of all banks in my area). But much worse: I inquired of the bank why they had place a maximum length (they said) hold on my check. The bank personnel, all the way up to the "Office of the Chairman" of the bank, to whom I pleaded, maintained the reason was "irregularities on the face of the check." I have had this same paying client for years. The CEO is a friend. He had cut and signed the "irregular" check. But Citizens Bank, all the way to the top, refused to talk with him.

I've seen this in other complaints as well. I deposited a work check on Monday and here it is Thursday now and the hold is still on my account for the funds. I checked my account this morning and it said a negative balance of the check I deposited. Definitely not depositing any more checks with Citizens.

I have been a customer with the Citizens Bank on College Street since January 2012. I found most employees very heartless and unappreciative. Up until this month, they were charging me three dollars on top of what any establishment would charge for my debit card, sometimes five or more, and when I would complain to many tellers or supervisors they would not care less. I would keep my slips, and do math and the statements made it look like they were taking out less fees than the slips I would keep. Anything I would ask for they would deny since 2012. There were times when I did no business and I would see many unnecessary charges. I figured out they were fleecing me for at least fifty dollars a month out of 900$ disability.

If I could give 0 stars I would. This is by far the worst bank I have ever dealt with and I have been around. I will list in order the problems of this bank. 1. Time it takes for anything to post/clear. If you deposit, use your card, transfer money to/from, the account will not update for almost 3 days. THREE DAYS. The popular banks will do this instantly. This requires you to constantly have to balance your checking account by memory. I had paid rent with my checking account, and it shows nowhere in any of the transactions that this is pending, or sent. I was unsure if I actually clicked paid on the rent web page, so I sent it again. Guess what, it sent twice now. 3 days later I finally see this in pending, and they charged me twice.

I been with Citizens for 13 years, I had a 7.99 purchase for Hulu that came out, the fact that they charged me an overdraft fee for 35, then another 4 30 dollar fees. Needless to say I will be closing my account. They are the worst bank I have ever dealt with.

17 hours ago. 9/27/2018. I Changed to Citizens bank a year ago, because they were closest to home, and since my branch was in a Supermarket, they were open more hours. That seemed ideal @ first. Citizens always credited my check deposits next day, as is their policy. This week, I deposited a check for five hundred dollars, The teller was polite, and told me that the funds Would be Available in the morning. It was my intention to purchase a certain Pallet of roofing shingles. The following day, the deposit had not shown in my balance as promised by Citizens. I called the bank and was told that they, once in a while, pick random checks and can hold them for a week if they want too.

They charge NSF fees when they decide to put through all the debits before any credits. All very convenient for them. Will never bank with them again. Charged 3 NSF fees and then charged 3 more "sustained overdraft charges" in the next 7 days. What!!! Ridiculous. They then refunded the 3 NSF fees but left on the sustained overdraft charges. Obviously they are admitting their wrongdoing if they're refunding. So what gives?

I have been banking with Citizens Bank since 2014. I requested my account to be closed because I got tired of paying $100 whenever either my $11.99 Netflix account or $19.99 gym membership would automatically withdraw at times when I wouldn't have the balance available. However, my direct deposit has always been connected to my account so I figured "What the heck, next time I'll make sure it wouldn't happen. I'll pay the overdraft fee". Unfortunately, I get paid biweekly so I would be charged $35 for the overdraft fee then an additional $30 every few days. At times I would be charged I total of $100+ for a negative balance of $-4 to -7. Which I would find absurd. Finally, I got feed up after going through this every few months, and realized I was paying the bank to hold onto my money.

Had the displeasure of speaking with Brandy who claimed she was the top manager available to me out of the Pittsburgh Office - but that she could not give out the business address. That gave me a good laugh. Probably she was sitting at home in her PJs feeling important. Anyways I opened a checking account in conjunction with a Personal Loan I took out. Obviously, I did not need the account but it promised me a lower interest rate. I placed a minimal deposit. At no point was I directly informed that there would be a service fee or that to avoid that service fee I needed to make any amount deposit each month (literally .01 cents would have sufficed).

I received a letter from Citizens stating an address change was made which I had not authorized. The letter stated I should contact Customer Service which I did immediately upon receiving the letter. I spoke with "Jennifer" and asked to change the unauthorized address change back to my home address and was told they couldn't do it unless I wrote a letter. I asked where the authorization was from originally and they said a Post Office change of address automatically changed it which I had not authorized. I asked for a supervisor and was on hold for 7 more minutes. I was then told by "Latwan" they would not put my correct address in the account. Then I was told someone else would call me in 1-2 business days. Meanwhile my address is still incorrect and secure bank information is being sent to the wrong address and they won't fix it.

I'm 3 months into banking with Citizens and I hate it! Their online banking app is deceiving. It does not reflect your correct balance especially if something is paid on a Friday! Usually banks show pending transactions right away and post them Monday. Nope! Not Citizens. I paid my credit card off Friday and it's Monday. Not only does it NOT show any pending transaction of any kind from my credit card company and reflecting the wrong available balance for 3 days, I called Citizens and they said it dont post into Tuesday! The reason I hate that is I was on vacation. 2 weeks ago when I got a swiped my card for gas before we left (Wed) and when I got to hotel... my online banking said I had $232 so after I paid hotel I shoulda had $2 until I got paid FRIDAY.

My Grandfather started a savings account for myself and my little sister back before he passed away. Over the years my account has steadily grown but at some point in time Citizens changed the terms of the investment without my awareness or approval. About a year ago I noticed that they were now charging us higher annual fees, so much so that the value of the account was declining.

I'm nearly 60 and have had many bank accounts over my life, both personally and for 3 businesses that I own. I have never dealt with any bank that charges such fees. They charge overdraft fees when nothing over drafted! For example, if you have $5,000 in your account and pay a bill for $2,000, but there are bills lined up in queue for future dates that have not been paid and the money is sitting in the account they consider that an overdraft! Even though another deposit was made well before any of those bills were up to be paid. Nothing ever bounced, there was always thousands of dollars in the account but they charged me $117 in overdraft fee in anticipation that something could but didn't bounce! Citizens bank has done this numerous times. I'm looking into other banks and switching but I wanted to share this with others. Stay away from Citizens Bank!!!

When I opened my account, there was a promotion stating that I would receive $200 if I made a direct deposit of $500 or more within 60 days. The deposit was made so I call after a week to find out if the bonus would be credited to my account. After being on hold for an HOUR, I’m told that he looked in their system and no such promotion exists. I told him I had it screenshot where it said that it did. He put me on hold for another 20 minutes and came back and told me that the promotion already passed. I told them I read in the fine print which I also have screenshot the dates that the promotion was good through and I did in fact open it in time. He put me on hold for another 15 minutes and when he came back he basically told me he had no idea what I was talking about.

I deposited $400 into my account to start using it. After making purchases, I saw that my account was at $81, and all my purchases were pending and on the account. Knowing this, I pulled out $40 from my account. Two days later, I get a call from my husband that our account was overdrawn. After calling the bank, and sitting on hold for 30 minutes, the CSR tells me the final purchase I made hadn't in fact posted to my account, so when I withdrew money from my account, I went over $16, and they charged me a $35 overdraft fee for a total of $51 overdrawn. I told him my account had already shown the purchase posted, but he acted like I didn't understand how overdrafts happen. I called back because he told me that there are two balances, your account balance - and your available balance.

I have been trying to contact Citizens Bank concerning fraud on my debit card. I have spent over an hour and a half trying to contact them and I have not resolved my problem. Yesterday, I connected with them after waiting 30 minutes on the phone and they said they could not hear me. Today, I connected after 15 minutes and talked to a rep. Then, she passed me on to another rep and had to end the call because I was waiting for over 25 minutes. This is crazy!! How can such a reputable bank do this to their customers. I am going to shop for another bank!! DO NOT DO YOUR BANKING AT CITIZENS BANK!!

Bruce Van Saun and the executive team at Citizens Bank are criminals. They use advanced algorithms to reorder transaction history, in consequence creating frivolous overdrafts fees. They will even rationalize such by stating "we reorder transaction history to ensure your largest purchases get paid first." Example of how this transpires: Let's say you charge 8 items on your debit card, on a Friday. Those 8 items leave your account with x amount in positive funds. Monday morning comes around, and a housing payment goes through, rendering your account negative, let's say by 1 penny. They subsequently reorder the 9 transactions, 8 on Friday which should not elicit an overdraft, and the one on Monday, which should. Now all 9 are assessed an overdraft fee, in the amount of 9x $35 = $315.

They are charging me overdraft fees for no reason, the first one I noticed was via text stating I was overdrawn, go in my app... $-3.14 after they took out the $39 fee. That in no way makes any sense. I would have had $35.96. Then it happened the next day... That was my business account... Check mine and my husband joint account and they were charging him fees too! We never noticed because he had the money to cover it without notification... They also with these fees do not send out letters like they do for legit overdraft charges. The company should be investigated!

Citizens Bank is abusing people freedom and rights. I'm out of country just now I find out when clients of this ** bank who are out of country they have no access to their accounts. I spend two hours on phone with idiots from this bank who told me it must be my computer, they make me delete stuff, change settings, and after 1.5 hours they said, “Oh we forgot to tell You the bank changed the policy now outside USA, You cannot use online banking.” That is the bigger abuse I got from any bank in the world so far, now if I want to check any transaction or even check my balance I have to call the ** bank and pay $0.50 /minute.

Horrible customer service. Every month I send them my regular car payment plus an additional $1000 to the principal amount. This month the person applied the entire amount to the payment and after multiple calls to them no one has fixed my problem. Finally they reversed the charge and applied the ENTIRE amount to principal only. And now I am getting frustrated with getting that fixed. I'd much rather pay a point or two higher interest rate instead of dealing with these incompetent, unprofessional employees that they have.

So we had been account holders for almost 20 years. We also bank with a credit union in the northern part of the state. To make a large purchase I wrote a check for cash at Citizens using the northern bank. The Citizens teller had to get approval and after quite a few attempts finally located someone on the phone. The approved told her to confirm that funds were available in my account at the other bank. No problem. I provided our account number and their phone number. She called and was told that there were sufficient funds to cover the check.

I had been banking with Citizens Bank over 10 years until about a month ago. Over the years, and I have over drafted the account before. Whenever this happened I would receive a notice in my email and recently, in late 2016 I signed up for text alerts for the account. Nothing has changed in my life that would make it hard to communicate with me. In the past if said account was over drafted and I did not remedy the issue within the same business day a fee would be charged, I remember the fee being $25 for each day in overdraft.

This bank has horrible Customer Service! I had an open checking and savings account for the past few months with Citizens Bank. Apparently there was a balance from a 2015 account that they collected on, without my knowledge. This was taken out of my account at the SAME time as when I paid a bill, therefore causing my account to become overdrawn. Now they are charging me overdraft fees for something that they caused and won't let me close the account so they can keep adding fees. Worse bank I have ever dealt with and did I mention their customer service is awful, they are rude and don't have a clue what they are doing or which dept to send you to, etc.

I have been a 20 year customer with this bank, from their start up in our state. That’s called loyalty. Something no longer appreciated at the top echelon of businesses anymore. I initially liked that the bank was local but could service me regionally when on the road with business. I have had it with this bank. I am done. I have multiple accounts including a business account, and have experienced the worst customer care. Citizens seems to have a constant turn over of bank and call center managers, supervisors and workers so there is never one person that gets to know who you are. Plan to take off an entire work day if there is a problem and to be on hold forever with customer care.

About 2 weeks ago I opened a checking acct. here. They went over all the rules/regs/fees with me and I agreed. The rep asked me if I wanted checks. and I said that I rarely use checks because I just use my debit card. He then asked me if I would like "just a few checks to have on hand". I shrugged and said yah, I guess that would be good. He never said that by saying that I would be charged $9.99 for one book of checks. During the next week I withdrew some cash leaving a balance of about $5.

For the past year my fiance's payroll check has been going through every Friday morning, over the weekends we would pay our bills and do our shopping like normal. Never any issue. Well this past weekend we had a total of $503 after a check was deposited. We spent a total of 425 over 6 different transactions. We did end up over drafting on Monday by $96 including a $35 fee which we had intended to bring current Tuesday. By Tuesday morning I discovered our account was negative $306... They are trying to charge us overdraft for the 6 transactions that were covered by the money that was deposited by his check. This is an outrage!!! I will be looking into filing a lawsuit, and will definitely be switching banks once these charges are fixed!

Do not bank with Citizens! I've been a customer with them for over 10 years and today learned they wiped out my account leaving me with $50 to survive on due to being late on my student loan payment. I called in advance to inform them this month's payment would be late (after paying consistently and on time) but they still took the money AND my monthly payments are $150! I called to explain that $50 is not nearly enough for me to survive on for two weeks and they basically said "sorry." As soon as I am paid again I'm withdrawing all my funds and moving to another bank. If I had not taken out cash yesterday for other purposes I would have no way of getting through these next two weeks. Inhumane practices and sub-par customer service, at best. Stay away from them!

I have been banking with Citizens Bank for over 4 years, and have yet experience anything positive with them. My latest disappointment is how they are handling my "account takeover" (fraud) situation. Two weeks prior to the incident taking place, I had to call in and replace my Debit card due to a fraudulent charge to my account even though the card was in my possession. At the time of my call, they only ask (for identity verification purposes) very minimal questions, super basic. Two weeks later, my account was hacked and looks like someone called in pretending to be me, created a whole new account and took out a bunch of cash from several ATMs.

This bank took $700.00 out of my account because of an error with Zelle. I spend over 2 Hours on the phone with them. They DON'T have any explanation about where the money is. They only tell me it take 52 hours to come back into the account. Sam ** is the worst customer service manager! This man was rude and has no business calling himself a manager or supervisor, he should call himself a **! The best part is how when you try to complain online, it will not send it to customer service.

I made a claim for the first time since 1999 when I got my account and the claims department was very nasty to me. The lady asked me am I sure someone used card. I told her it was a fraud charge cancel the card send another one. Why would she make that type of statement. I spoke to her manager and she agreed that she shouldn't have said that to me. They act like it's their money they are using for the claims. Why do they care? They have insurance on money for fraud incidents. I called another day to ask about the claim and I got the same lady and she said how did this happen. So I take it she does that to all claims callers. This is sad and I will cancel my card and account. I will not be treated like this and I am the victim.

I was very happy with Citizens Bank for my mortgage until (post divorce) I went to refinance. First, I refinanced back to 30 years to afford the payments (17 years ago). Then, 7 years ago when interest rates went down, I tried to refinance from a 6% mortgage to a 3.5% rate. They turned me down!!! I was good enough, despite my low income, to pay 6%, but not good enough to pay 3.5%. I was furious!!! Three years ago I found another financial institution with a great reputation, and they accommodated me. I paid off Citizens and took my business elsewhere. Overall, I really like Citizens Bank, but turning me down, esp when I had a great source of equity and an excellent credit rating made no sense. Shame on them. I will even pay off my mortgage ahead of schedule.

My car loan was through Citizens Bank. I was always on time with all my payments because it was being automatically taken out from my checking account. I thought my loan was already paid off but it was not. I got a phone call yesterday stating that I have never made my last payment and it reported to the credit bureaus because I was over 90 days late. She stated that the last payment has to be manually sent in which I was never informed before. I even called in before it was paid off to ask how will I be receiving my car title after it’s paid off but that representative never mentioned to me about the last payment has to be sent in.

Citizens Bank. It's all about the customer. They're available 24/7. They communicated with realtor, title company and me. Never missed a beat. Excellent service.

High fees probably the highest of any bank. Charge overdraft fees for going a penny negative when website states no overdraft fees for transactions under $5.00 but they lie. I called and they told me it doesn't work like that and there's nothing they can do for me. Plus their locations are very limited.

In spite of a lawsuit for overdraft fees in 2012, they are doing it again. Not processing deposits while processing fees. In 45 days, they assessed me more than $800 and processed fees before the deposit to do so.

I overdraft my account 7 dollars. The next day I put the 7 dollars back in. My account was good after that. 2 days later it said negative 69 dollars like where the hell did that come from? Dont make sense. I gotta pay 69 for 7 bucks. SMH. I'm not paying it. They better waive that or close my account.

I received 11 overdraft fees in one month. 7 came in one day while I was on vacation. I never got any notification. I just kept getting charged. I’m going to get a mortgage and I never overdraft in my account. It’s going to be tough to explain this to a loan officer. I been banking with Citizens Bank for 10 years and they only offered to waive 3 of the fees. I think it’s wrong that they keep giving you fees for buying a small coffee. Why should a coffee cost 35 dollars?

Citizens Bank is the worst bank that I have ever dealt with. I made large deposit after speaking with rep. Made large deposit took three attempts to checks right. Attempted to clean up liens on home that were already paid. It's been one week and find out Citizens wrote down incorrect number book/volume. Still waiting for them to fix it, told they have to investigate. I will be withdrawing all funds from this bank. Also they charge family members $8.50 a check when you write them out. Don't use Citizens. You will regret. I gave them several attempts to fix problem and it still is not fixed.

Citizens opened a checking account in my name without my knowledge, the account was attached to a scam artist tax preparer, who opened this account without my knowledge, he used a email address that he created with his own telephone number on account and signed my name on Account! He apparently opened account in a Acme store location! I was just made aware that other Banks are involved in class action suits for being involved in the same behavior of opening accounts without person's knowledge!

I was a customer for over 10 years. The advertisements for this bank state "no minimum balance" and "no monthly fees", these statements are untrue. This bank has taken over $120. on 2 separate occasions due to my balance getting close to a .65 balance. Within 24 hours of the balance being so close to $0, I was charged $42, another time last year when this happened I was charged $42. and it doubled because I did not catch it within their 2 week cut off, another $84. I was told it doubles every 2 weeks, so if I had not caught it, it would have been $168? I had 2 checking accts and there was plenty of $ in the other acct., but they do not help you by transfer, to not go to the under $1 and again NO loyalty such as a phone call or email to give a heads up, like in the old days.

The bank automatically enrolls you in Overdraft Protection with a Line of Credit. Even if you have two accounts, they don't link those accounts together so any overdraft is taken from the second account. If you accidentally overdraft an account, you get a Line of Credit "loan" which they then charged you 22% interest rate on monthly. There is no notice that you have overdrafted so these "loan" payments continue until you notice a ding in your credit report. It is not even clear online what is happening and you can't even pay off this "loan" online if you wanted to. This has happened twice to me now. I swore that I cancelled this "feature" the first time it happened to avoid this, but just realized it happened again when my credit rating took another dip. The first time this happened, I called the bank and they told me to write a letter to the manager of the branch where the account was opened. I do this, but received NO REPLY.

I have home equity line of credit with Citizens Bank, they decided to raise my interest rate without the Fed raising the prime interest rate. I called the Bank after being hold forever, I was told Wall Street Journal made recommendation. DO yourself a Favor and Bank somewhere else.

While I made a grave error in judgement your fraud department officials should be fired. I realized my problem from the first time but cancel all accounts (after thirty years) because of single returned check afterward is I believe is really just in necessary and quite frankly a mistreatment of power. I wish I had that individual in front of me because he or she has a real power trip complex. To close the accounts of someone who has over $300k investments with your organization is obviously not important to you or your investors. I did a review of your bank's satisfaction and it is obvious your president and CEO is out of touch with the real world. I don't usually make such posts but felt compelled to do so because of your treatment of me.

I opened an account last year with Citizens Bank in Dudley branch and few months later there was 500 withdrawal out of my account on Feb 2017 - apparently someone walked in and the teller gave them $ 500 out of my checking. I called and explained to them that I only opened my account there. I never walked in ever since and how is that someone is walking in and able to do a withdrawal? They apologize and stated that they investigate the situation and credit my account.

I have been a customer of Citizens Bank for quite some time and other than their oft-complained about overdraft policies, I have had a relatively good experience and like the staff of my local branch. However, the reason I am writing this review is that all of that has since changed. I originally opened my account following a divorce and should note that I am a single father to a two year old little girl. I was also unemployed at the time, but still frequently used the account. I have recently started a new job and after working for the first month I was issued two corporate bank checks to deposit until my direct deposit becomes effective at the next pay period.

I own many rental properties and have had over 20 mortgages over the decades. I have dealt with many different banks for this. Citizens is the worst by far. Incorrect insurance amounts being paid out of escrow accounts wrong, year after year, they have missed paying property taxes out of escrow accounts at times, a total pain trying to get mortgages paid off early, you can not go into a branch and do ANYTHING with your mortgage as far as paying it down or getting their screw ups corrected, statements come saying the it is auto paid from an account (as is suppose to be) and then followed up with a letter saying you have not paid it. Nothing but constant babysitting their terrible bookkeeping. I quit dealing with their mortgage department 6 years ago and in the middle paying off the last mortgage (24 early) I have with them.

I applied for a personal loan and was approved. Provided all documentation and signed all the paperwork and downloaded the same. Waited a week still no deposit into my Citizens Bank account. I logged back into the website that I filled out the paperwork on to discover that my loan application had been declined. I have been banking with them for over 15 years, have 3 accounts with them, have an 806 score. I also have their credit card which they have never reviewed for a credit line increase ever and I can't use because it has such a low limit that if I spend over 100 dollars on it then I'm at 10% of my limit and it negatively affects my score.

I've been a client of Citizens Bank for more than 10 years, and they've been progressively going downhill for years. They are one of the most technologically-backward and deficient industry. Their website and app are routinely atrocious in their usability, including randomly not accepting your password, even when you've not changed it, forcing resets. I've probably had to reset my password at least a dozen times in the last six months alone. Their customer service reps are frequently a range of useless, to unhelpful and rude. Their basic and mid-level accounts have few if any perks to them.

On 3/1 I accidentally used the wrong card to pay for an item via PayPal. When I noticed on the 1st (this is not my primary account, though I was planning for it to be... definitely not now), I attempted to make a payment with the "express delivery option" to cover the amount, but the website kept giving me an error message telling me the dollar amount format was incorrect. No matter how I formatted it, I kept getting the same error message. I emailed customer service to let them know about the issue with the website and was expecting a quick reply given that I was trying to pay them, but I have so far received NO REPLY to that communication at all. Calling didn't seem like the most reasonable move, since I doubt it would have been any easier to get in touch with the IT department via phone.

They can set up any account for you within minutes or even hours, but their fees are insane. There’s no loyalty for their account holders. What sense does it make to charge a NSF fee, then additional fees each day your account is negative? If for some fluke or odd reason the account holder falls on hard financial times, the account goes into a negative, then Citizen Bank will access a fee EACH day the account is negative! What goes on in the minds of the board to think “while the account holder is negative, giving them more fees will help him or her to crawl out from the financial hardship faster.” WHO THINKS OF THIS NONSENSE!!! How does assessing more fees on top of fees makes sense!!!

Citizens did not have my current address on file so I did not know my mortgage amount changed at the start of the new year. I have bill pay set up and sent out the payment for Jan 2018. Because the payment was less than due they refused my money. I did not know this. The only way I found out is that somehow they knew to send my check back to my current address which I received yesterday. I called immediate this morning at the start of business and was informed that I was considered late payment and they sent a ding against my credit. When I asked to address this, they said I would have to take it up directly with the credit agencies.

We have been loyal Citizens Bank customers for 15 plus years. Overdrafted our account twice in those 15 plus years. I messed up on my check deposits and withdrawals. They charged me 3 times overdrafts this time around and will not even budge on refunding one of them. Imagine being a loyal customer all that time and dealing with them not offering any help at all to you? Alexandra ** manager accounts support department was rude, not helpful and did not care that we were loyal customers for so long. We will be closing our account with Citizens and going to a local bank. I would not recommend Citizens. They treat you like a number not a person.

The worst customer service. After becoming a victim of fraud and trying to get things resolved I must have hit every wall imaginable in regards to getting my account in order. It took a month to get my account closed and reopen a new account. During that process they never sent a new card. I had to request a new card 3 times. They sent the pin code but no card. I was never reimbursed for the fraud and lost a large amount of money. The customer service was sleeping on the phone, never filed the disputes properly and was told a number of different stories. I wrote down every person's name and number after every conversation. When I called back I was told that person didn't work the department or there was no person by that name. Now that I've been disputing the fraud charges for 6 weeks they say there is nothing they can do.

Citizens Bank has been the worst bank I have ever dealt with in 30+ years of banking. They were very quick to get us in the door to work with them and offered all kinds of incentives to join their bank so as a small business owner who was looking to partner with a bank, we went with them. What. A. Mistake. It is a very long story and I don't want to bore anyone with the details but Citizens almost caused a small thriving trucking company to close down. Thank goodness we had a savings account (with PNC Bank) to keep us operating while we fought with Citizens with no cooperation whatsoever. So, we moved all of our banking to PNC and closed every account we had with Citizens.

I've been banking with Citizens Bank for 10 yrs since I started my first job and I never had a big issue or at least what I thought wasn't a big issue. I literally got charge a $35 overdraft fee for my account being -.16. Now I called months ago to know what the overdraft policy was because I gotten mixed info from a representative at the actual bank. So I call in and get some help. I was told that if my ACCOUNT was over 5.00 that I would be charged a fee not the item.

I applied for a personal loan, it came back as Denial Letter. The reason is * the debt to income ratio reflects excessive obligations. So I called the 1888-333-0218 and asked the simple question. If I provide rental income over 75k, my income is 54k a year and I applied as debt consolidation loans why will my loan be a denial letter. (By the way my credit score was over 800.) She said, "If you put the money in your account we don't know if you will pay off your balances." "Ok, do your bank not pay off the debt?" She said no. Citizens Bank please put on your website you DON'T payoff debt if someone applied as debt consolidation. If I know that I would not apply with your bank.

My Dad used to bank there in Pawtucket, RI. At that time, it was a nice hometown bank. Later they got so big, bought out by Bank of Scotland, that they bought our Charter One in Ohio where we had an equity line of credit. It was convenient over the years for us, but suddenly Citizens bought them. Immediately, they terminated it and charged us to close it out. If you don't pay the charge, they keep a lien against your home. They were really mean! We were told by the manager at our local Citizens bank that we could do nothing about it. Well, just like food you buy, you can do something about it, don't use their services! There are many other banks and credits unions that have helped us out.

My son made a bid for a NYC condo and had a pre-qualified mortgage with another bank. The condo owners required we take out a mortgage with Citizens Bank, because they had "approved" the building for mortgages. Our lawyer found too many red flags with the condo association including a 2.5 million dollar loan which they wouldn't explain and a lawsuit against the builder who renovated the building. Citizens Bank asked me to co-sign the mortgage to make sure he got the loan. I was hesitant giving a bank we didn't work with my tax returns, but did so.

Worst bank ever. Just keep adding fees and overdrafts. Don't. Notify you till 2 weeks later. That they charged a fee then add another fee. Crooks. Should not be in business. They just. Steal your money.

My husband and I have good credit and we always pay our bills on time. We received an offer for a personal loan which we were going to use to consolidate some bills. We supposedly were approved for up to 50,000 but only asked for 10,000. We were pre-approved so when we did the rate check it did not affect our credit rating. For some odd reason when the loan went to be approved it was denied. So now it will show up on our credit report and affect our credit. I did some research to see if this is all legal and what I found is most times that you are denied for a pre-approved loan is because you did not respond quickly enough to the offer and perhaps something involving your credit has changed.

This is for Boylston St Boston branch. On January 2, 2018 I realized I was completely out of checks despite having submitted reorder form to a teller a month earlier. I was upset as I could now not send out checks on time and requested some temporary checks but was told that could not be done. The acting mgr Mike said he would put a rush on new order of checks and they would refund the charge for all my inconvenience. He directed me to bring in the statement when the charge of $58.88 appeared and they will remove charge.

I’m definitely considering a lawsuit at this point. I’ve had too much taken from my account, from the hands of this Bank. Citizens literally withdrew over $3000, out of my checking account, without my permission, causing, my already scheduled bills, to be returned as unpaid, and now states that I had “insufficient funds”. The statement on their website doesn’t even say what the withdrawal was for - it says, ”Citizens’ Bank DEBIT MEMO”. Can’t wait until this bank is opened today! I’ve had enough of them stealing the money out of my account. Citizens Bank just “helps” themselves to their customers' money. Word of advice to other consumers - this bank has mystery charges, and they will take any money that they can from you, without notification, sending you into negative balance, so that they can collect more “fake fees” from you! RUN, run, run!

First off, I opened my bank account online. Because I didn’t open my account with a balance initially it was closed (I guess I took too long) and I had to go to a local branch. I did. Reopened my account and made a deposit. The teller and I reviewed some paperwork. I signed and that was the end of that. When Friday rolled by I went and deposited my payroll check. Not aware of this “25 day grace period”. So, there was a hold placed on the funds. I was told it’d be available that Monday. I survived the weekend. The app continued to state funds would be available on 1/22. When I reopened the app in the morning the date changed to 1/26. What?

I would NOT recommend this bank to anyone! I am currently banking with them and have been banking with them for about 3-4 years now. When I lived in Lincoln, after MANY times of them doing anything they could to get me to make an account with them, I finally did. At first it seemed like a great bank. Then the past year and a half I've had fishy over-draft fees. When I make a transaction, it automatically tells me my new balance on the online banking app after I refresh it; therefore, I know exactly what I have even if it hasn't gone through on their end yet except for checks of course. So, last night my balance as of like 11pm was $6.01. I went to bed and woke up and it was -$3.67, so I go to the bank to put money in before 10pm, as you have until 10pm of the day that your account goes into the negatives to put the over-drafted amount in to avoid an over-draft fee!

DISCLOSURE: Citizens Bank recently settled a lawsuit for 137.5 million for manipulating transactions to maximize overdraft fees. NOW READ THIS: I have tried to shut down my Citizens Bank account after moving from Philadelphia to Washington, D.C. where there are absolutely no Citizens Banks and was unable to. I tried to shut down the Citizens Bank account because there are NO CITIZENS BANKS IN D.C. and I exceeded the amount of money I could MOBILE DEPOSIT ($5000) and COULD NOT PAY MY RENT OR BILLS.

I could not get a $30,000 HELOC loan from Citizens. I own two homes and only one has a mortgage. My credit score is around 725. I have had the same employer for 10 years and I have lived in my own home for 14 years. My income sources bring in around 140K yearly. So, if I can't get a loan from them then who can? This loan for a line of credit.

Bad Customer service. Finds any way to take money when they can off their customers. They do not give you updates on your own money and gives you false readings of your money on their website. By far worst bank to have money in. I will be switching banks as soon as my deposit start going to my other banks. You guys need to get your people together and stop taking other people's money.

Over 12 years banking with them and they throw you out like an old shoe. No issues until this past November and every department has a different excuse. They say one thing do another. Give an option then you're an idiot 'cause they never said that! Like I am pulling information out of my butt and making things up. I would NEVER recommend this bank to anyone. You can’t even give a disabled person their December monthly income?! Excuses and LIES!!

I could not get a $15,000 loan from Citizens. I own two homes and only one has a mortgage of 30K. My credit score is around 735. I have had the same employer for 15 years and I have lived in my own home for 33 years. My income sources bring in around 100K yearly. So, if I can't get a loan from them then who can?

On December 13th I reviewed my accounts online; as I am diligent in doing, and noticed a withdrawal of $3800.00 from my savings account had been made on December 8th. I called immediately to report it and was told I signed for it. I said I most certainly did not...where did this occur and was told, after being put on hold numerous times, at some in-store branch (some store I've never even heard of) in Philadelphia... I live in NH and was at work on December 8th. Then begins the whole process of filing a fraud claim. Understand, I have been with Citizens Bank for ~30 years and for the most part have always been confident and pleased with them.

Very frustrating! I received a personal consolidation loan about 6 months ago. Since then, my credit has improved tremendously! I contacted them today about refinancing for a lower rate (4% lower than my current according to their website and my credit score), and they told me that they do not have a process set up for refinancing at this time. You also can't apply for a separate Citizens Bank loan to pay off the existing. I've never once heard of this "not being able to refinance a loan". Take your business elsewhere!