Citizens Bank Reviews

Citizens Bank took two payments out last month and they have no idea how it happened. Here it is a month later and still I cannot get my money back. Apparently it is okay to steal from your customers. Called again today and they continue to hang up on me. I have been charged overdraft fee up the you know what and this company will do nothing to fix their mistake. Will not be making another truck payment until I hear something back and some sort of resolution is put in place. DO NOT BANK HERE. THEY ARE CRIMINAL.

I went to Citizens in NH to apply for a VA loan for my son who was deployed, they asked for the same paperwork 4-5 times, did not know what they were doing, told him that when he deployed I could not sign as his POA, and that he could not use the VA loan because when he finally got back to the States he was getting out of military full time and doing the weekend and 2 weeks and going into a different line of work with the DOD.

When I was 12 years old in 1985 (32 years ago) I walked up to my local Citizens branch where I am still at till this day and opened up my first account. I've been a loyal customer ever since and even used Citizens when I owned my own business from 1998-2009. This past September 27th my application for a HELOC loan went through and within 3 days I received a letter saying that I was conditionally approved. I own my own home free and clear (appraised at ($250,000), my credit score was fine. The only issue I have had was the fact that I have 3 jobs but all 3 jobs are relatively new. I started them all 6 months ago.

My Atm card had a password reset, or so I thought after I spoke with customer service. When I went to withdraw money it retained my card on the weekend no less. 3 days later I got back. Had to get a pin mailer. In the meantime it allowed me to use my card as credit. While doing so since the pin on my card was no good, I reset the pin to get into my mobile app, that went funky on me. Expecting my Christmas bonus from work and knowing if something went wrong I would get a text alert. Fast forward a week when I got my weekly balance text and saw my account was negative over $400!!!! As soon as I could I grabbed literally every dollar I could and deposited $525. Should be ok, NO WAY! After my deposit I was still negative $311!!! How... FEES!!!! 12 OF THEM TO BE EXACT AT $35 EACH!!! No text alert, nothing in the mail...no call to see if my card was stolen...NOTHING.

Yesterday out of clear blue received a letter stating my account is closed, also my business account. Called. They can't discuss it. The letter received from Citizens Bank doesn't even have a name of the person who wrote the letter. Stay away from this bank! Not consumer friendly and not Business friendly. Run away from them!

I've been with the bank for some time now and I just deposited a check from NYS and the next day allowed me to go to the branch and withdraw money. Now because of that they put a hold on all my money until it clears. They put an extended hold on a NYS check. Wtf. I can't get a dollar out. I just had unemployment deposit Tuesday. Can't get a dollar of the that because of their mistake. A family goes without Thanksgiving dinner and is forced to struggle until they say it's cleared and on my bank app I can't see all the money in there. Lots of ** up mistakes. They tell me it's up to the back office to release the funds. My lawyer is not happy. I'm just waiting. I was told funds would be available tomorrow. Wtf.

I opened my account online. Went to get a counter check to get my direct deposit going. They say they don't do counter checks anymore. I ask if I'm getting a couple in the mail with like a welcome packet. They say "No, you only get them if you open a account in branch." What discrimination. I ask if they have any coin counters at any of their branches. They say "No but you can use a machine at the entrance of the store and they charge you." I say "Why would I pay someone else to do your job." Terrible service. Won't be banking with them long. Murrysville, PA Giant Eagle location.

Updated on 09/13/2021: I closed my Citizens account in August. They proceeded to allow an automatic transaction to go through which hit the account and overdrafted me. No one from the bank alerted me about this so it continued to overdraft until one day I decided to check it and make sure citizens closed the account since they have said to me before they would do something and I find out it was never done. It was the case again with this. Now I owed them over $150.00 in overdraft fees that they said they would refund...hasn’t happened and that they would close my account.

I took a trip to Citizens Bank today, I decided to get rid of my overdraft on my bank accounts, so if I don't have enough I'm my checking account they can take the rest out of my savings, guess how much I need in my checking account so I won't be charged a fee (5,000) dollars. Going to transfer my money to Navigant bank. (BYE SEE YA)

I have had accounts with Charter One Bank aka Citizens Bank, since 1992. On 11-14-17 I discovered that fraudulent activity occurred on my checking account. I contacted customer service and had extreme difficulty understanding the c.s.r. who spoke with a heavy Hispanic accent. They outsource customer service to Panama City! My husband's debit card info had been compromised, so I asked her to block his card.

Run from them. They stole my vacation money I transferred into my account to celebrate my son's one year and something months out of the hospital. It has been stuck in processing while we are at Disney world. I will be make this a lawsuit matter as I am done being transferred around on the phone and will be sharing with the media. They are thriving crooks.

I was getting issued another card (not my idea), and they asked for my updated address. I gave them my new address, a week passed and still no card but I was able to get a hold of my money so I thought nothing of it. Another week passed so I called again to check and they once more asked for my address and I told them, number by number and spoke slowly. The third week comes and still no card, as I go to buy my son's milk my card is declined so I call them. They state that the new card was returned to them because they sent it to the wrong address and I couldn't get a new one until four days later. So here I am with a hungry nine month old and not able to use or get a hold of my money because of their three weeks of not listening.

Today (Monday Nov. 6, 2017) at approximately 10 am I attempted to deposit a check made payable to me (as I have dozens of times over the last 15 years that my business account has been open) and I was told that this was not a valid payee. This is the second time in the last month that I have been questioned on a deposit to my account at this Branch. Both of these instances have occurred at the Stoughton, MA Route 138 Branch (not the Stop and Shop branch). I have deposited funds there numerous times over the past 15 years at this very location. I have no idea as to why I am being questioned, when I have no issues with the Cobbs Corner and Sharon, MA branches that I also frequent.

I am not surprised at all that Citizens Bank rates only a star and a half. If there had been the option of a rating with no stars, that would have been my choice. I have been with Citizens Bank for quite a while and over time their service has just continued to get worse and worse- but today takes the cake. This morning at about 6:30am I checked my checking account to see if a check that I deposited on Saturday had cleared the account yet. According to my mobile banking app, it had cleared. Fast forward to 8:30am and I'm now on my way to work. I stop at the Citizens Bank in downtown Boston to use the ATM machine and I get a message about how my card has been deactivated- “Please go see an associate.” So I do. I go in and ask the lady what's going on with my account. She takes my information and reviews the account.

As a 10+ year customer of Citizens Bank I deposited my payroll check on a Friday as I had been for the previous month via the mobile check deposit. Deposited before 10 pm means the 'funds' are available the next day. As someone who lives paycheck to paycheck, I need to pay bills that next day. I noticed Sunday evening my account was negative several hundred dollars. I immediately called customer service. They stated the payroll check hadn't actually cleared but it was going to by tomorrow.

My elderly mother has a credit card through Citizens Bank. I have Power of Attorney (POA) for her. We recently had a problem with her credit card and I called customer service for assistance. They would not talk to me because they had no record of the POA. I went into our local branch with my POA paperwork. I explained my mother was no longer able to handle her own affairs and living in a home.

These people have no respect for you. They steal and steal and steal with their overdraft fees. I was charged multiple overdraft fees without me even noticing. These people disgust me and I do not think you should join here ever.

In August 2017 I called customer service because I had over drafted by $.14. And was charged $35. I thought I had overdraft protection? So I called to make sure. Apparently it changed so I enrolled in overdraft protection once again. Didn't receive anything in the mail to sign approving the switch. 2 months later, a similar situation occurred. $225 in overdraft fees until they sent me any mail. (Received 5 days after date on letter) The switch to Overdraft protection never happened. I called, was transferred 5 times. Nobody could answer any of my questions. I never signed anything to switch out of the overdraft protection!!! Another class action lawsuit is coming their way. This bank is a giant thief. I will be switching. Stay away at all costs.

This company needs to properly train your employees in customer service. My experience earlier this afternoon at a Philadelphia branch was completely unacceptable. The moment one of their employees could no longer provide me with information that could help me quickly resolve a lost debit card incident, was the exact moment she should have apologized that she could not be of more assistance, or even suggesting the corporate number. Instead, she chose to get an attitude and speak to me rudely, and disrupt the emergency phone call I made to my parents, who due to their own employees breaking the rules upon setting up my account, were the only ones who would be able to help me secure my account.

I would honestly love to give them a good review but the amount of money they have taken from me in overdraft fees is disgusting. Not to mention, I’ve had to call multiple times for replacement cards due to the fact the chip malfunctions or the card cracks.

I deposited a payroll check on a Friday and then paid several bills from my checking account, not realizing that Monday was Columbus Day and was a banking holiday. Although the deposit cleared on Saturday and I was able to pull money out of the Mac machine I was still charged 7 overdraw fees for transactions that took place on Monday as the money did not technically clear till Tuesday. I got nowhere with the customer service representative on the phone and was blown off by the bank manager who seemed surprised when I decided to close my account. This bank has been involved in numerous class action lawsuits which the bank manager did not appreciate me pointing out. Run don't walk away from this bank they have obviously not learned their lesson and there will be another class action lawsuit very shortly for their unethical business practices. If I could give them a negative number of stars I would.

Citizens Bank will "legally" steal from you and screw you over. Their Customer service is the WORSE. It's so bad that my wife and I went to one of their branches (409 East Ave. Pawtucket, RI.) after being on a really long and fruitless conversation with them over the phone. We went to close her account. Can you believe that when my wife told the "customers assistant person" that she was looking into closing her account, the "customer assistant" replied back, "Ok, can I have your ID?" Wow Really. No "sorry to hear that", No "why would you want to do that" OR "let me see what I can do for you, to avoid closing your account today". Nothing! I was so stunned by that and told her, "Since you people are committed to lose customers now. Go ahead and close mine as well" and I'd throw my card over her desk.

We had a checking account with Citizen Bank. We closed it in August of 2017. Unfortunately, we had a gym membership tied to the account. When the request for payment came from the gym to Citizens Bank, the bank "reactivated" the account with zero funds, paid the membership fee, and charged overdraft fees. No notification was sent out. This continued for 3 months before we stopped in to check on a CD. The manager was very short and kept saying it was their policy. I will never do business with this company again.

I left New England and moved to NC, where there apparently aren't any Citizens Banks. I tried for months to close my account, but they simply would not close my account and continued to charge me a $12 monthly fee because I was not able to deposit. I did everything, spent hours calling, faxing, everything, but no one would help me. Citizens Bank is THE WORST bank, and dealing with them is a nightmare. Citizens Bank will "legally" steal from you and screw you over. I hope no one else gets cheated out of their hard earned money by these crooks like I did.

I pay my monthly mortgage on time every month. Same amount automatically deducted from my account. This past month my mortgage duplicated the payment out of my bank account by mistake. The money got refunded and I got hit for overdraft fees each day. I only had enough for my original mortgage payment. Wouldn't you monitor that issue and inform your customer about it before you allow it to go through and allow it to overdraw?

We locked in a mortgage interest rate of 3.25% with.125% credit, for 60 days with Citizens Bank. However, when we received the closing disclosures for the mortgage, the interest rate was listed as 3.5%. When I inquired about this discrepancy, my loan officer, Maria **, told me that there were utilization ratio issues (due to the fact that we were closing on our purchase before our sale, despite the fact that this had always been the plan), but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved.

I have had this account for almost 11 years. I have been playing a vicious game with them for years. They like to back date overdraft fees and cash deposits. This bank has been overdrafting me even though I look at my account several times a day. I know exactly when checks have gone through and when deposits are made and they tell me no I am wrong. I have screenshots proving my account was not overdrawn and still customer service says no they don't know why online banking says this, that I am in fact overdrawn.

I am a business customer, I've been with this bank for many years just because I've been too lazy to make a change. The fine folks at Citizens Bank have taken the time to MAKE SURE THAT I MOVE ALL 6 ACCOUNTS TO NAVIGANT AS SOON AS POSSIBLE! I had a check that I deposited returned, but they never sent me a copy so that I could redeposit it. The return was on August 24th, today is Sept 18th... Still no copy for me to redeposit.

I've just spent 30 minutes of my lunch hour time trying to access my online mobile account to pay my bill that is due today. First, it didn't recognize my password. Then, when it accepted it, it told me I had no internet access, although I clearly did. Then when I switched to a desktop computer, it locked me out and informed me I'd had "too many log-in attempts" and needed to change my password. When I tried to do so, it asked for my debit/ATM card number, even though I was on the credit card log-in site and DO NOT have a checking or savings account with Citizens Bank.

I received and electronically deposited a refund check from my son's college into my Citizens account. After waiting for it to clear the usual 24 hours and noticing the funds were still not in my account, I called both the Citizens branch and Customer Service number. After getting the runaround for several hours (no answers as to why the delay, no calls back, false promises, and ultimately no resolution), I was told the check was suspected of fraud and Citizens had a high concern based on the financial institution and security features shown on the check that it would not clear. They said the funds won't be released until 9/19 at the earliest - 10 days after deposit! They escalated the case to the Office of the Chairman and I was told they would respond quickly... I am still waiting for a response.

I am charged overdraft fees all the time. For example. On Monday 9/11/2017 my account was fine, on Tuesday 9/12/2017 my account was fine. Now I know there is a $300 check out there going to be cashed but as of Tuesday 9/12/2017 it was not there. On Tuesday 9/12/2017 I deposited money into my account knowing this check will eventually come through. On Wednesday 9/13/2017 they put the check through and back dated the date. It went through to 9/11/2017 then charged me an overdraft fee. The check cleared of course because I put money in the bank on 9/11/2017 so when the check actually came through on 9/13/2017 funds were available. But they still back dated the check and charged me.

I started an account at Citizens even though my some family members and friends warned me but I fell for the SCAM. Citizens Bank charged fees for mistakes they've made. You can be charged $35 For a pending overdraft fee that hasn't happened yet. I Deposited money into my account that has overdraft protection, oh by the way they charge you $12 to transfer from your saving to cover that and then you still get an overdraft charge, who's protecting me. Try asking for a supervisor (joke) they will stick to a script or better yet maybe I was talking to a Robot. Bottom line for whatever reason you are considering Citizens Bank don't. Regardless of your financial status your money should be protected and grow. With this bank neither will happen.

I have been a customer of Citizens Bank for over 10 years and am still appalled by the lack of customer service I recently received. I wrote a check to my brother-in-law and his wife to celebrate their wedding and help provide funds for their honeymoon. All seemed well as they cashed the check and it cleared prior to them leaving; however, a day later Citizens took it upon themselves to reverse the check. I noticed this and called customer service and am still dumbfounded by their ineptitude and lack of empathy for potentially ruining a newlyweds’ honeymoon. Long story short, their only solution was for me to write them another check. Despite them being out of the country and Citizens having the account information where they initially deposited the funds, their only remediation was for me to write another check.

I being a customer for over 10 year and never had any problem with Citizens Bank. The bank teller are so nice and honest. They are always there to help and answer all your questions.

I have been with Citizens Bank since I was 12 years old!!! I opened the account with my mom, I have been very loyal to them and can't believe what has happened before my eyes. I was a victim of fraud and my account number routing number and debit cards were all stolen and made charges of preauthorized debit. Just a week before Citizens called me to tell me my account would have been "drained" if I didn't cancel my card, so I did. Now, just a week later I have all these charges appearing, I immediately contacted Citizens and was told I have four overdraft fees totaling up to 175 dollars! As a student who pays everything on their own that takes away my groceries etc! I have student loans with Citizen, regardless I am now waiting on my claim to come back and to quickly close my account and NEVER reopen one again.

I received a check for $3500, inviting me to be a secret shopper. I discussed it with a teller - we both agreed to be careful about possible fraud. I deposited it, with the understanding that we would wait "at least 3 - 4 days" for check to clear. I deliberately cleaned all remaining funds out of my account, leaving only the $3500 deposit. Four days later, I returned and was told that check had cleared. Teller - different from 4 days earlier - specifically told me that the check had "cleared" and that the funds were "in (my) account". Repeatedly, she advised that money was in my account and available for withdrawal. I withdrew the cash and, as instructed, made a purchase for several hundred dollars and then wired 3K to directed recipients. It sounded strange, but I knew that Citizens Bank had reassured me that the check had cleared and that the funds were IN MY ACCOUNT!

Overdrafting is a huge problem with Citizens Bank. Overdraft 1 hour you're already charged fees. That's wrong. It's highway robbery but they tell me it's ok and they're doing nothing wrong even though I put the money right back that **.

Citizens Bank has a variety of interest bearing account to serve your needs, including many types of checking that do not have fees. When your circumstances change they are willing and able to change types of account to meet your needs, even if only temporary. Their bank card services are great. Includes no fee cards with nice rewards.

The Citizens Bank financial planner was the worse. He suggested I would need $59k a year to retire and I currently bring home the same amount and save aggressively.

Citizens Bank is misleading customers about banking with them. I opened up a account and was told I should receive my card within the next few days. So I got my card and tried to activate it, and it asked me for my pin. Meanwhile I never know I had to wait for a pin to come in the mail just to access my funds. The banking agent I set with for 3 hrs failed to mention I had to wait for a pin by mail. I feel like I was tricked into opening up my account with them. Now I have to wait 5 more days after receiving my card by mail just to withdraw my funds by ATM. Whoever thought of this stupid idea need to really rethink it over. I'm closing my account with them and I will Bank with Bank of America because they allow you to setup your pin upon opening up a account.

My elderly mother received a fraudulent check drawn on Citizens Bank. I know that Citizens was not the source of the fraud, but some bad people who have now turned off their phone number. I went online to the company (Investec, a real company) who supposedly sent out this letter promising $250,000 if you call them and cash a Citizens Bank check for $2,870. I was able to search Investec and easily report the fraud by sending them pictures of the letter and check, and they already emailed me back, confirming this exact fraud, all in FIVE minutes! However, I've spent almost a half hour trying to contact Citizens Bank online, by email, by phone, trying to speak to a human being. FINALLY got through, was transferred to a fraud department and left a message because no one there could speak with me. Based on reading all the reviews I've seen here, mostly very negative, and my experience, I would NEVER set up an account with Citizens Bank.

I set up a checking account in person at Citizens for the first time, and was explicitly mislead by a banker, causing financial harm to my person. I spent 2 hours at the bank meticulously going through any expenses and fees associated with a checking account. I questioned the banker if there were fees associated with a transfer from the Citizens Acct to an external account such as Eastern Bank. They said there were not. I reiterated this question a several times in very clear language, and they stated in equally clear terms that there were no fees associated with transfers from a Citizens account to an external account. I was clear this was an absolute requirement, and that I would not open the account if it was not met. I just tried to make such a transfer online, and was hit with a 3 dollar fee.

I deposited a check (on a Thurs) and as expected it first showed as pending. The next day it showed as fully available so I paid some bills. On Tuesday I looked online to confirm the funds had gone to the bills only to discover they had pulled back the check to "on hold" and I was negative hundreds of dollars. I called, the man I spoke to had a barely intelligible southern accent and a surprisingly terrible attitude, very patronizing, sarcastic and totally non apologetic. I felt like I was taking crazy pills. I cannot close my account fast enough but the hold won't be released for 3 more days! AAAHHH!

After having an auto-pay loan for 65 out of a 66 month term loan with Citizens Bank I received a paper bill for my final payment of the vehicle. I thought this was odd as every other payment had been automatically taken from my bank account. But I figured whatever. The payment due date was 8/1. I have a Citizens branch local to me and thought I would just send a team member to make the payment for me as I was out of town on a business trip. I was shocked when she called me on 7/28 and said the bank had refused my check because it was the wrong amount. Because it was a couple days early my check was for $1.15 more than was due.

I have an auto loan that is financed through Citizens Bank. I lost my job and I fell behind a month on my payments due to job loss. I requested a deferment, and my account has been in confusion ever since. Once I fell behind in payments, I stopped receiving billing statements. I received calls about my past due amount as that and my monthly payments were two separate things. I use the one-time online bill pay, but the amount owed online is always different than if I were to call. My point is, I want to pay my bill, but this bank will not easily provide the correct information.

Stay away from this bank. They could care less about their customers. I deposited a dividend check with the assurance that funds would be available the next business day for my daughter who was traveling out of the country. Citizens put a 10 day hold on the check because it "didn't look typical"?? What the hell does that mean? TD Ameriprise is about 10,000 times larger than little 'ol Citizens Bank and Tackle shop. I spent 8 hours on the phone with corporate and local branch manager to no avail, although the branch mgr tried his best. They could care less that I need to get funds to my daughter's acct while she was out of the US. Needless to say, my accts will be moved to my Credit Union and I suggest all do the same!! Horrible customer service!! No stars!!

My husband and I were securing an apartment in Los Angeles (from Philly) for our daughter, who was starting a Summer Internship there. We found a safe and beautiful apartment through Craig's List. I had been in touch with the gentleman renting this apartment for several weeks. He asked that make a bank to bank transfer for the rent and then we would receive the keys.

WOW! I see from all the negative experiences that Citizens Bank is ripping many many people off not just me! I am so sick of their fake fees and the way they want to mix numbers around on my account to keep charging me overdraft fees that are false. There will be another lawsuit guaranteed and I will be first in line. This can't be legal! They love to talk around and make excuses to justify their FAKE fees. I would stay far away from this bank if you haven't been a victim yet. Beware. Look how recent the dates are of all the complaints. Unbelievable! Put people's money back.

Never invest through Citizens Bank. They sold us a market-based CD that lost money until the very end of the 6 year investment period and then magically in the last 4 months of the investment, it suddenly came up to the original investment amount and then gave us 1/2 of one percent interest TOTAL at redemption time. When we redeemed the coupon, they charged us $95.00 to take out our own money and made us wait a week to receive a check sent by REGULAR MAIL, not even certified!

I cancelled with Citizens Bank Nov. 4 after I back all the overdraft and then in Feb. I go to Cornerstone and they seen everything going on. Call Citizens back and said "You owe $40." 2 days later it was $60. Go to pay them. They said it was waived and get another letter. I owe $60 and go pay it again. It taken care of. Then received another letter "You owe $200" and call and explain what going then me that I need to talk to the branch and they need to talk to each other to straighten out business. I go today to see what going on and they said they can't find it and it went into collections. Now I've to wait till Mon in betweenness both jobs. They have to call collection agency to straighten this out. Credit unions are the way to go. Never again. The worst bank ever.

I went to close my account with Citizens Bank at 251 Washington St, Attleboro. I asked for the fees to waived or some of them. There is a new Branch Manager and he looked at the account, never acknowledged me, had a miserable look on his face and said to the young lady "no". I have never had a fee before and said close the account and then told that it can be reopened and charged another 35.00 for fees if they put it thru again. Damn. If the account is closed then closed means closed. I said, "But I am closing it and that should be fine." The Branch Manager sitting next to the young lady looked at me with the worse smirk on his face. I was not pleased with this man at all. His attitude needs to be adjusted and he is NOT CUSTOMER FRIENDLY AT ALL. I will never recommend anyone to do business there.

Worst banking experience - I ended up with Citizens Bank because it has acquired a bank I liked. It seems the culture at the Citizens Bank is very tense, incompetent and inconvenient. Look at their website! The tellers are tense, especially in the North Haven branch. The management is pretty incompetent in the Middletown branch. I have not had problems with Durham, New Haven and East Haven branches. Try not to open a home equity line of credit. You cannot get out of it for 10 years! It is in the fine print. Finally I just MOVED to TD. What a difference! A bank that actually wants you to have a good experience!

Citizens Bank is a sham of a bank. I have money in my account right now, and they are telling me I have FIVE OVERDRAFT FEES! This is so stupid. I'm done with this. If these are not waived I will switch banks immediately. I am over this nonsense. I talked to a manager and they couldn't care less. Transactions on hold disappear, and he told me I should have paid attention. How dare they! I monitor my account every day. I don't make one purchase without reviewing my account. They purposely pull Funds on Hold so you cannot see them and then charge you overdrafts. This defeats the purpose of online banking! There is a Funds on Hold section, and they hide them from you. GOODBYE CITIZENS! I will tell everyone how deceitful they are. Americans deserve to know the truth.

I have been a customer for Citizens Bank for almost 13 years. 2 years ago I moved to the west coast where Citizens bank doesn't have branches. I left over $1000 on my online checking account and haven't used the account. Recently I transferred some more money into the account and discovered that they have been charging me a $5 dormant fee every month for almost a year. I have never heard about this so I called the bank. According to them, since I haven't used the account for over a year, my account became dormant and therefore they need to charge this fee every month. It looks like unless you actively use the account, otherwise, they will charge for leaving money in your account. I asked if I can get refunded and continue using the account. They refused to refund and don't really care about losing a long-term customer at all. I should have closed the account two years ago to save my money from being stolen by them!

I had a customer write me a check drawn on a Citizens Bank account. I took the check to the local Citizens Bank branch to cash it, thinking I would have to pay a 7-10 dollar fee as I do not have an account with the bank. They charged me no fee and explained they don't charge a fee. Every other bank I've been to in the last decade has charged me a fee for cashing a check if I don't have an account with them. It was very refreshing to not have to endure a fee for cashing a check drawn on one of their accounts. I recommend them for this reason.

We have had an account with Citizens Bank for over 2 decades and really haven't had to interact too much with the staff in the Sandwich office. However, our recent experience there motivated me to write to say this branch excels in customer service. We dealt with Paul **, whose title is "Relationship Manager," which is very appropriate! He is personable, knowledgeable and an excellent representative of this bank.

My review is for current experience handling a friend's bank transactions with Citizens Bank since he is disabled and unable to do it himself. I had an account with them years ago which I got rid of because of their terrible service and pitiful website. Citizens Bank is by far the worst bank I have ever used and I have three bank accounts with real banks that do not treat their customers like this.

This is my final request to have the remainder of $235 in overdraft fees rebated to me before filing in small claims. I am being represented by Arguss Law Firm. I submitted a complaint regarding my account when I was charged over $1095 in overdraft fees in March and April 2017 even though I never elected to have overdrafts allowed on my account. I was refunded $860. I am seeking the remaining $235 to be refunded or I will bring the matter to small claims.

Again I went through Lending Tree to try to find a bank that would give me a HELOC on a house I own with no mortgage under an LLC. It is difficult to find bank to do this type of loan and the person who initially contacted me assured me they do loans like that and haven't had a problem before. I went through all the paperwork - the last of the paperwork they requested was on my LLC - which was irrelevant to them anyway and then didn't hear back from them. I contacted the processor I was working with and she told me my DTI was too high (then why ask for the paperwork on my LLC???).

If you have $150 in your checking account, a check you issued is deposited at 3:00pm for more than $150 you are instantly charged an overdraft fee. Their policy claims that a direct deposit, or cash deposit made before 10:00pm will be available as your balance that day. So DO NOT count on your direct deposit paycheck to cover checks showing up on the same day. The real time processing of checks is a nasty policy that consumers should be aware of. My primary bank (not Citizens) allows the balance to be satisfied by the end of the banking day with no fees.

They are the rudest, nastiest people to deal with. One department tells you one thing and the other another... No communication at all... I really hope the government (my hard earned tax money) which is me... doesn't allow these banks to continue to prosper off the hard working middle and lower class with their absorbent fees and interest rates. I'm a homeowner no thanks to the likes of Citizens Bank... who could care less about you or the American people. Shame on them for their greedy ways... Let them fail!!! Credit unions are the only way to bank!!! Straight and honest all the time!!! Frank ** really needs to b addressed along with tax reform for the middle to lower class. Everything is catered to the 1%. So sick of being taken of advantage of by corporate America!!!

I just purchased a new Jeep, and figured that I miscalculated my funds. I called Citizens Bank to do preventive measures and was told that they don't help people when they are struggling. I explain to her that my job is new and I need a car in order to keep my job. I was told that they don't care and that I had until 10 days after the payment was due before I got late charges. I said to her that is my whole point I don't want late charges, and I will be able to pay the note next month.

I applied for a visa secure card online with Citizen Trust Bank. Waited for 2 weeks to get approved, they sent me a letter saying. "Congratulations, you are preliminarily approved for your $500.00 cash secured credit card request. Please go to your nearest Citizens Trust Bank Financial Center and open up a certificate of deposit in the amount of $600.00, which will be used as collateral for the credit card. Once complete, please let me know and I will proceed with your loan request. Should you have any questions, please feel free to contact me. Thank you for considering Citizens Trust Bank for your financing needs."

A week ago today (as of April 11, 2017) I wrote my wife a check for my son's school fees of 150 dollars. When she cashed the check, Citizens Bank cashed $1500, completely bouncing my account. Wednesday, she called them and gave them the runaround. When she finally was able to speak to a manager from the Macedonia branch, he kept telling her that the money would be there the following day.

The Charter One was ok bank. After Citizen bank take over, I decide to go out of this bank. They are never send any notice about overdraft fee, and in one day they take me 5X35 dollars. I check like today my account and no overdraft fee. My account was positive and was under one thousand. So I go to the bank and put deposit check. Tomorrow I check again online, and I see overdraft fee. 5X35 dollars So I did talk to them and they are refund one time 35 dollars, and they are not guilty of course. I was mad and I open account with different bank, come to the Citizen bank and close account. Take all my money out. So balance was 0. No debt.

I have never seen a bank with more BS fees and BS reasons to access those fees. They charge you $3.50 to use another bank's ATMs, they charge you the usual $35 overdraft fee but if your overdraft is sustained for 4 or more days they charge you $30 each day it is sustained. They have already had lawsuits because of their fraudulent fee accessing. They just find new ways to continue to do the process. Their online banking is not in real time either making it easier to overdraft. It's 2017 Citizens, get with the times. Other banks allow you to see the drafts immediately. They may be still pending but you will at least still see them. With Citizens, you may not see a draft pending to come out so you put money in the account to make sure it's covered when it does but it doesn't matter to them. If they see it on the back end you still get charged and you will see the overdraft charge but never actually see your account go into the negative.

I've paid 200 in fees in the last two weeks (highest fees of any bank I've ever worked either 39$ each!) and they just returned a check I wrote because of the insufficient funds in there due to the all the fees I was charged that started with a 9$ unauthorized charge. It takes them 90 days to process a claim for unauthorized charges before they can issue a refund, this is ludicrous. I am closing this account and I'm done with these crooks, no wonder every time I turn around another branch is closing.

Not surprising to read all of the reviews below! If you are reading, do you remember how the Founding Fathers used the pen to win the victory against our stalwart enemies in the England of that day (only). Well, let us press forward by using that same weapon. It still works!!! The written word. Thank God for the First Amendment.

Citizens Bank is a bank I will not recommend to anyone especially if you are **, Hispanic or disabled. I am a first time home buyer so I was excited about purchasing my first home as a single mom. When I applied, I got my pre-approval. I shopped for a house found one. I paid for my inspection and appraisal and put a down payment on the house. I got my grant money for closing. My credit is good and my income is steady. Citizens ask me if I was married. I told them no. They wanted a written statement to say this so I gave them one. The loan officer told me it will not be a problem to get my loan. By the way it's for 33,000 dollars for the home. Citizens Bank has harassed me and discriminated against me from day one. So now we are at the very end of the process of getting the loan and they tell me they can not process my home loan till they investigate my marital status.

I just closed my accounts and waiting for my direct payments rerouted to another bank. We had a business credit card that we had fraud issues with it. We thought it was resolved and closed. Then a year after we get a bill to say we owe 11,000+ and they have gone without permission into our accounts and took money. Two years of hassle and a year and half to just produce statements that didn't show what were the 11k for! Then they close the inquiry saying I didn't provide information (which I did four times) and although the chairman office was involved it was a waste of two years and long hours and they send me a letter TODAY pay the balance of 3k+ by TOMORROW! And still no answer why, where and what and when those purchases were made! So good luck with this. I have banked 15 years with you and you have been very disappointing!

It took 13 weeks to close on this loan and I had the seller threatening to end the sale because we were still not closed and at 12 weeks I still had not received a closing date. I have EXCELLENT credit and I was very fast to respond to all requests within 24hrs providing all document and it still took 13 weeks. I applied for my mortgage through Citizens back on October 24th 2016. The seller was threatening to end this sale and I would have lost over $40,000 on this home due to everything we put into the property while we were renting to own it for the last year until our previous home sold. It took over 4 weeks to get an appraisal, and the communication has been very disappointing and unprofessional. All documents requested from me were provided within 24hrs every time unless it was something we needed from the seller who lives several states away but was still provided in a timely manner.

I wrote a check from a credit card that I called credit card before I did it and they said it's good. Well it didn't go thru. Went to my bank, talked to the manager, we sat in her office, called the credit card co. They told her for me to write another check. Everything was good well no. Now they canceled my checking acct. Went to pay 2 two credit cards same bank same address. No I can't do that manager said and if I didn't like it pay off my cards and I didn't have to come back.

Have been a loyal customer of Citizens Bank for over 15 years, never late on a payment. Checking division does not have access to mortgage payment division. Deposited $10K via phone to have funds automatically withdrawn from my checking and applied to my home equity mortgage. Instead of applying the one monthly payment toward home equity and putting the remainder of the funds in my checking account, remainder of funds were applied to the principal of home equity loan. Assumed funds were available in checking and auto withdraws were being made toward home equity. Received a notice that my checking account was cancelled and overdrawn.

I was literally speaking with Citizens Bank reps from 1 pm Friday til 11 pm Friday. I had an overdraft a day to not receive anymore fees. I asked the best way after given false info by a supervisor. It was after 6 pm so I could not go to bank. I asked could I deposited a check from my mom from Citizens Bank on Saturday to assure no further fees on Monday. She said no. She said I had to do the deposit. Friday by 10 pm through atm. Well I said it will be a Citizens Bank check. They said fine. She wrote it for more than the overdrawn amount so I could have a few bucks. Well it took the check and didn't let me get a withdrawal.

I have two auto loans with Citizens. Always pay on time, yet every time I try to log in it is a different story. Login fails and blocks me out after one attempt. Website is not user friendly. Calling tech support is a joke, as the story changes along with the policies and every instruction they give you to correct the problem is changed with every call you make. It seems almost on purpose, as you can never really correct the problem nor find someone competent enough to correct it once and for all. Why offer a service you can't use. As for honesty and reliability, I suggest you look for another banking institution and save yourself the utmost aggravation. They treat you as though you are the one doing something bad or wrong and offer no real assistance. They just want to take your money. I wish I had never gotten the loans. NEVER AGAIN - buyer beware.

When I opened a CD with Citizens I was told I had to pay for paper notifications so of course I did everything through efile. I had a very sizable CD come due with NO NOTIFICATION from the bank. It was at 1.25% interest & they rolled it into .03%! When I called they said I should have checked their site for alerts. So I said "hold on while I look" and she said, "It's gone. It's too late now." HOW CONVENIENT. We are talking September, 3 months ago! I requested to either refund me the account with no penalties or roll it into 1.25%. They refused both. I am furious. I am nothing but a number to them. I am so done with that bank!

We received a letter the bank was canceling our accounts for no reason. We have disabilities and we have only done banking with Citizens for 35 yrs. It was a man named Ryan ** who signed the letter. We are hurt, it has caused us great harm. In all 35 yrs Citizens and all its employees have been good to us. There is a "not so friendly people there." The letter stated we could not have access to our monies. A lawyer may have to be involved.

Horrible, unethical practices! I've had a few accounts with this bank since the 90s and over the past few years, I've noticed they have changed their policies and it's not for the better! They create extra fees and extra charges anywhere they can. They hold checks meant for deposit so that a member's account will go into a "negative state". They do this so that they can take even more money out of your account for themselves. I tried to call and speak to a Manager and I went in circles on the phone for over an hour. It's pointless. Truth be told ---They will do anything to take your money under their insufficient fees policy and/or their other "fee for everything policy".

This bank is very crooked. They charge overdraft fees that should be regulated by the federal reserve. They purposely put their customers in debt. It's illegal to overcharge customers every four days. They are abusing American people. It should be investigated immediately and have government restrictions on overcharging. One overdraft fee is sufficient not 4 in a month when the person overdrafted by a few dollars. America, Donald Trump please put a tight eye and clamp on this bank's crooked process.

So, I change my bank to Citizens Bank. My first deposit was my payroll check. The teller tells me it will be posted on Tuesday which still gives me time to finish Christmas shop for my daughters. Tuesday comes around the bank makes only 200 dollars of my check available and the other amount was on hold. I called the consumer's services and then was the FIRST to explain they hold for seven days.

Citizens Bank canceled my account without giving me any reason. And now just suddenly they closed my account without any previous note. Just have some bills that were not paid, due cards and accounts closing. I felt like treated with disrespect and never in my life I thought could be treated like that.

On-time payments? Check. More than the minimum? Check. Carrying low balance? Check. Well apparently in the upside down world of Citizens Bank Credit Services, this means your credit balance is decreased. My FICO score went up 18 points in the last two months, DTE decreased and Citizens response is to lower the limit on my card dramatically. Oh, but this is not the first infraction... In fact, this is the second time Citizens has lowered my limit after paying down the balance of the card. Citizens rewards good credit behavior by negatively impacting your credit.

Long time customer of Citizens and changed banks several years ago but kept one monthly deposit acct open. I inadvertently overdrafted when I used pay and did not change the accounts. I went to the bank immediately and gave them a check for "cash", which takes a day to clear which caused a second overdraft. (Depositing cash instead of a check would have prevented that but don't count on the bank telling you that.) The second overdraft was charged because they removed the first overdraft fee as a courtesy and that posted a day later, causing a second overdraft fee. The overdraft fee of 45.00 is ridiculous.

I recently needed cash for an after work event, but only had my debit cards. I use two banks, so I have two debit cards. The only ATM in my building is a Citizens one, so I went to get cash from that, but didn't mean to use my Citizens bank ATM card. Perhaps I just associated the Logo and used the wrong card, but a majority of my payroll goes elsewhere and that is the card I meant to use. Ordinarily a bank ATM will alert you that a transaction will cause you to over-draw your account, but allow you to do so if you have opted in. If this warning had come up I surely would have realized I was using the wrong card, but alas it did not.

So once again my account is negative $34.01 because I put $9.40 of gas in my car and only had $9.39 in my account. I called and spoke with a representative, who I didn't let know I was a customer. I asked the representative, "Shelia, do you charge overdraft fees for anything under $5.00." Her response was, "No." So I explain to her that I've been charged two $35 fees. I give her my information and she puts me on hold. She comes back to let me know that those charges are valid. Because the transaction that caused the first overdraft to my account by a penny was over $5.00. Puzzled, I told her she didn't say that in the beginning of the call. I advised her she didn't specify that it had to be the transactions less than $5.00 and not actually what the account is overdrafted by. Then I ask her "well how does that apply to other overdraft fee for $4.99 on which I was charged a fee?"

Before applying for education refinance loan at Citizens Bank, I spoke to branch manager regarding loan eligibility requirements. I specifically asked if bankruptcy from 2 years ago would preclude me from being eligible for loan. The manager was very helpful and kind, she stated that she would call me back in 5 minutes, that she was going to ask the lending department my question. I received a call back that I met the eligibility requirements, and to come into branch office to apply for refinance loan. I was hopeful, my credit score 695, and having just bought a house; I knew my credit has come a long way in two years. I went to the branch office, opened an account, deposited $50, and filled out loan application.

I'm sick of this company. I've been a long term customer for over 15 years and I will be closing my account! Twice now they have posted a check to my account on the day of my direct deposit. When I login to my account it looks ok and then the next day they charge me an overdraft fee of $35 saying the check was cleared the day before my direct deposit? How is that possible? Oh wait it's because it's a scam business they do this on purpose!!! They make you think you still have funds available in the account by processing your check early in the morning before your direct deposit hits the account.

Within 10 days from 10/24 to 11/7, I had been charged $135.00 in fees 30.00 or 35.00 fee for each account overdrawn. When I asked to waive the fees they told me they only do it once a year and waived $35.00 for me. Right now I have 7 accounts with them. I am about to close all my accounts. BOA is more reasonable.

Opened an account but was never given checks. They were supposed to order a package of checks but didn't. When my wife called them they said they were ordered on the 12th. They did not come by the last date they should have. When asking Customer Service about it they said there was not a record of them. Still don't have any checks and still don't have any answers.

In one month I've been charged 136.00 in fees 34.00 each fee for an account overdrawn by .84 cents. When I asked to waive a fee they told me they only do it once a year and they did one back in February. It's October and it's a different acct. I've requested my pin twice, updated my address with them 3 times and I haven't received a statement or a pin to my cards. Because I live in Florida there are no branches to take my money out. I stopped direct deposits. As soon as I get my pin I'm taking my money to another bank account.

Circle Gold, Family Trust, and overall a very disappointed customer... My suggestion to anyone that is considering this bank is Don't!!! Be aware that this is a classic big bank that only cares about being a big bank. There are so many other options out there with better customer service that I am shocked they are made it as long as they did.

I have been on the phone for at least 2 hours with different reps to get this crazy resolve - can't close acct unless I go to Conn. Bank and I live on Long Island, NY. I finally got a rep who suggested that I would be able to close acct if Bal was down to 0. The problem was they (ATM) was only allowing me to take out $20 and not $25. The next rep told us to go to a grocery store and buy something for $5 and the bal would be zero. This was truly a waste of 4-5 hrs of my life that I will never be able to get back.

Recently, my computer was hacked and rerouted to a scamming agency that basically froze my screens. I did not know this at first. When it was frozen, a message alert popped up indicating that it was Apple Security, that the computer was getting locked due to virus attacks, and that here was this 866 number to call with a case id number provided.

Long lines fewer branches open. More and more branch closing. Now if I need a teller closest one is twenty miles away.

In early June 2016, I called their customer service line and spoke to Diane. Advised her that it appeared all monies I was sending to pay down principal on car loan was instead going to future interest payments. She asked if I was sending it on computer, and when I answered yes, she stated computer was not set up to handle extra principal payments. On future investigation, I also realized that the payments I was making by mail for the same reason were also going to future interest payments. At that time, I asked for a print of all payments going back to beginning of loan (October 2014). This report clearly shows that the extra principal amounts that are being applied DO NOT MATCH the amount I have been sending.

Wait for over one week to open a checking account. Their online system is terrible and the customer service is hard to reach.

Applied to consolidate student loan. 800+ FICO score. $100k+ income. Never missed payments. Applied for less than $50K to LOWER a monthly payment that I've always been good on. Sent in everything they asked. Denied. What?

I co-signed a car loan for my daughter who defaulted on payments. Citizens Bank took every penny from my checking account without my knowledge, went food shopping and no money. Stay away from them.

I hate to even check off 1 star for the review, they don't even deserve that. Please save yourself a lot of trouble and do NOT use Citizen Bank. They are horrible. I applied for a HELOC. I have excellent credit rating of 750+. I was told what to submit for information, which I did do. NO call or emails back. After a few days I called for an update to be told they need more info, which I sent. Days later same thing, no calls or emails. I had to call every time to get updates. Finally after 5-6 times of sending info, they sent an appraiser to my home. Then I was told 3 things needed to be taken care of before I was to get the loan (a railing on steps, primary heat in house, and paint the outside because of the paint chips on the house) and as soon as they were done the appraiser would get right back out there to check the work.

The issue that I am addressing is with one branch in particular, the one on Rodi Road in Pittsburgh, located in my local Giant Eagle. At every other branch that I've gone to, the customer service has been exemplary, except at this one particular branch, and to even bring it down to a micro level, one person, Garret **, the assistant manager of the branch. I've dealt with what I perceived to be rude behavior on a couple of occasions once on the phone and another time in person. The latest occurring on May 23, 2016. Whilst discussing matters of my account, Garrett, in the middle of me talking, turned around and walked away from me. When addressing this, he told me that he had nothing else to say, and also that he had to make a deposit drop, without resolving my issue.

Today is 6/03/2016 and sold my car on 5/06/2016. It was financed through a different bank. On 5/28 I got a letter in the mail dated 5/23 and the payoff check that the bank sent to pay off my car loan (Not sure why they wouldn't overnight something like that). I called customer service and fought with them for 45 minutes about why they wouldn't except that payoff check that was obviously good because it came from a bank. They said I would have to get ahold of the person who bought my car and they would need to call that financial institution. For some reason they didn't accept a motor vehicle proceeds check. So, on May 31st the buyer got a check remade and I had to pay another $100 because my 15 day pay off was no longer correct and my payment was late. We took the payoff check and my personal check for the other amount to the post office and had it overnighted. It was guaranteed to be delivered by noon on 6/1.

I received a credit card from Citizens Bank saying that 0% APR rate for 15 months. Needless to say I used the credit card and paid everything on time and in a timely manner. However, I was charged interest for 2 months on the credit card. I called the bank and asked them why? They told me that I received 0% APR on bank inquiries, while interest is applied on purchases. That was not written in the application that I signed or anywhere where I as a customer could have made that correlation when signing the contract. I recommend that no one use Citizens Bank because it is public enemy #1. They are not out there for your best interest and they do not care about their customers. They are a very bad company. I would never use their services again, and I recommend the same for anyone else.

Citizens Bank holds the mortgage to my house and I go to bed nightly praying for help. This is the worst bank I ever had to deal with. I never saw such shady practices! I used to have a checking with Citizens Bank years ago and to this day still get checks from lawsuits that Citizens Bank had to pay over shady business practices. If you live paycheck to paycheck, go to Capital One, much friendlier bank that does not ** you. Karma Citizens Bank, karma.

My husband and I had a car loan through Citizens One, Auto Finance, we paid the loan off on April 13, 2016. We have been waiting for the Release of Lien. Collectively, my husband and I have spoken to 6 people inquiring as to when our paperwork would arrive. Not one person had the same answer. We literally have had 6 different answers. What is so ironic is you hear the "this call may be monitored"... They must never listen to these calls. The same ridiculous customer service is still occurring.

On April 9, 2016 I deposited $1000 in cash at a branch ATM. There was an error and my deposit was not processed. I went to speak to the branch manager and filed a claim. She called later that same day and told me that the ATM was serviced and my $1000 was found jammed in the machine. I was told that the money would be credited in a timely manner. As of today April 27, 2016 the $1000 has NOT been credited. I contacted the corporate office today and they apologized and then told me that it would take another 3-5 business days to process. I will not be holding my breath as that's what I was told on the 9th. This is the second time that this has happened at a branch ATM. The first time was on 10/8/15 and it was for $400. After several calls I was credited on 10/21/15 for the entire $400.

It is Citizen One's official policy to send their loan customers a monthly billing statement. You are supposed to get a monthly statement for the amount of payment due and the payment due date. When Citizen One suddenly and unexpectedly stops sending you your billing statements you'll be charged $20 in late fees for not making a payment. How convenient (and profitable) that Citizen One gains from their own failure! When you call Citizen about not getting a statement they'll promise to deliver one. Don't hold your breath. I didn't get a statement for over 6 months. What's even worse is that Citizen One refuses to take responsibility for their blunder and rejects out of hand any reasonable resolution.

Citizen's called me and resolved the issue completely. I have updated my rating based on the additional action they took.

I did a deposit at the ATM since the line at the bank window was so long and then the ATM took my money and told me my transaction couldn't be completed. I called the 800 number to be told the ATM was updating and my money would be in after 12 pm. Well after 12 pm no money still. I called the 800 number again to be told it would take 3 to 5 days to get my money.

The worst banking experience I have ever had. The overdraft policies are medieval and embarrassingly tilted toward the banks own procurement of more $$ for themselves. Closed my check acct with them after getting beat by long deposit wait times while my bills were being paid on auto payment. Big big mistake. Very quick to charge fees but takes forever on getting deposited money for actually accounted for. Good for them bad for the consumer. Have an overdraft acct. set up for pay off of remaining fees. Do you think they could even notify me of when the fee is due? No of course they say they, Citizens Bank cannot do that! Why? Oh maybe you will forget on a pay due then they can can charge $20.00 late fee on a 50.00 due payment. Will they notify me ever? No they cannot do that as I no longer have a checking acct with them. Broken, horrible and predatory!

Do not ever do business with this bank!!! You will do yourself a huge fave especially if you are elderly. Not good. And the supervisor (Ashley) from the state of PA, I am from Mass, thinks/thought she owned the bank. She kept me on the phone for over 40 minutes just to get a new atm. Upper management... (training, training) CS is very important these days. I will be closing my account in the next couple of days. Do not open an account there.

I hate everything about Citizens Bank. They are the worst bank out there. I have had so many issues with them. The latest being, I set up overdraft protection on my account, and they still charge you every time you overdraft and they take the money out of your savings account, and then still charge you a service fee. A SERVICE FEE FOR TRANSFERRING YOUR MONEY TO YOUR CHECKING ACCOUNT. When I spoke to a rep, she said "Citizens was technically doing you a favor, by correcting your mistake." ** you Citizens Bank.

I transferred money from another bank on a Friday then decided I did not want to send that much so I transferred some of it back the following Wednesday. The Citizens returned the transfer and charged me $35 and caused the other bank to charge me $25 for the return. After talking to my other bank they said they processed both the same day and refunded the $25 and most banks record the deposit first and it would not cause a insufficient funds situation. Citizens however recorded the withdrawal Wed. the deposit Thur. When I called they said they have been doing it that way for yrs and I would have to pay the $35.

Worst bank ever! They discriminated me when I tried to get a loan for their Apple product. They lied on my application saying I failed to provide information which I was never asked to provide. A representative by the name of Gabriella was very, very rude and made me feel as if I just was not entitled to get a loan. Even though I has my aunt as a co-signer, whom has a good credit score and history, they denied me a loan for a MacBook that I need for school. Worst bank ever, cannot trust them. I have never felt so humiliated and inferior in my life. Stay away from them, they do not care about their customers, and I only say that because after going through all of it, I emailed and contacted many times, to have someone from higher authority reach me about my complaint, no one ever did! Stupid bank!!! I wish one day they go out of business!

On January 11, my Dad passed away unexpectedly. On January 16th, I went to the local office in Onalaska, Wisconsin and turned in his cable and phone equipment, paid his final bill and closed his account. This was handled very efficiently. The rep at that location was helpful. However, on February 4th, I received a letter from Charter stating that since his final payment was returned from the bank, they were turning his account over to collections. My Dad was set up on auto-draw for his payment, but I cancelled that at the office on January 16th when we paid the final bill and I also had closed his bank account.

I have recently been dealing with paying off a Home Equity Loan with Citizens. The process has been frustrating to say the least. From incorrect address given for payoff check, to having to cancel payment on the lost check, only to find that they wouldn't post the 2nd check (overnighted FedEx) for weeks, and being told having to stop payment on the original check was my fault (even though the check was lost due to the wrong address), to subsequent conflicting information and assurances call after call, to representative after representative having no record of my prior calls (they don't write comments on your records, you are reassured that all the calls are recorded).

When I signed up for my Citizens Bank account, they told me that I would have to use my account once a month or I would be charged with a $9.99 monthly fee. Fair enough I thought. What they forgot to mention was that if you don't put money into the account monthly, that is when you will be charged. They charge you with the fee, without any notice. From there, they then proceed to charge you with an overdraft fee of $35, and still do not notify you of this. At this point I was $45 in the negative. I deposited a check for $85 and then was paying for catching up on my overdraft fee's, without even knowing. I then got gas and checked my balance and now in the negative again, waiting to be charged with an over draft fee.

I deposited a mobile deposit. Which you see as a deposit and as a negative until it clears. So the next day the mobile deposit negative cleared and shows up as a deposit. A payment hit on same day the deposit cleared. Citizens charged an overdraft on same day. Why do they post the check deposit as cleared if they not going to honor it? Why do they offer overdraft protection if they just going to charge you for it anyway? All they are doing is taking money from my saving and putting it into my checking which is an automatic thing anyway. Why should there be a fee for every time they make a automatic transfer between my accounts?

Received a response from the office of the Chairman who stated s/he wanted to learn more and resolve the issue. That was a nice start. They never connected with me but, in continuing to check on my credit card account and payment debits from checking the bill was finally paid five days late - as a paper check. The late fee was magically reversed and therefore no accrued interest occurred as best I can tell.

In 2 words "they suck"! Same money grubbing unfair fees & policy as their big brother mentor bank of Russia.. I'm mean America. Excuse my freudian slip. Anyhow; they charge $8 fee for the privilege of cashing one of their own biz checks if you don't have an acct with them, I incurred $150 today in insufficient funds & nearly same yesterday in fees after checking online prior nights & talking with local branch over 1st prior days fees. My rep said she would call me by close of biz of 1st hit & acct looked good & no call was received.. surprise surprise when I found out differently in am.

I have a car loan through Citizens. Things have not been the best financially lately. We woke last Thursday morning to a repossessed car with NO warning! We were behind on the July payment but a payment was made on Aug 22 and accepted. We made a phone call Aug 31 to explain our situation, (my boyfriend was unemployed and just started driving for Uber) and to say the balance (late fees) and another payment would be made on Wednesday, Thursday or Friday of that same week when he got his unemployment and first pay from Uber. We were assured by the lady in customer service that the vehicle WAS NOT is repo status. That making the payment this week would be fine. She would make a note of it in their system and gave another phone number to call to make the payment.

They are very misleading and tell you whatever to sign up and never come through with the promotion. I have spoke to 5 different people and no one can help. The girl Kaley that works at the branch is very rude! I will close my account and not refer anyone to such a miserable branch of people. They cheat and lie to get you to sign up.

I sent a check for a payoff with all the loan numbers like you are supposed to. Sent it registered. Went to a mail room. Where it went after, who knows? Certified checks are hard to get reissued. Big problem. Auto pay out of my account. The next check was posted on the 12th, auto deductions on the 19th. Try to get money back. The computer was not told the loan was paid early. I am still waiting for a answer after many frustrating phone calls to many people. This has been going on since May this year.

WORST MORTGAGE EXPERIENCE EVER! It took them 84 days to close a tiny easy 50k loan that was promised in under 30 days. They admitted to shelving it for 3 weeks to work on larger more urgent files and repeatedly dodged requests for information and timeline. I am a realtor and I have never ever seen a more convoluted bs system and pass the buck culture. I will never use this bank and I will never again accept an offer for a client if the buyer plans to use them for financing. The sellers were relying on receiving their funds on time due to the wife having a baby and being out of work. The buyers were displaced and had to resort to hotel hopping for almost 3 months while this bank repeatedly lost the same paperwork, admittedly spilled coffee on documents that then had to be replaced, and disappeared for weeks at a time.

I just had a very unpleasant experience with Citizens Bank. I went to one of the branches (the lady was very nice there) and she faxed over all the information to their corporate office. We were told we would then have to call the corporate office after 48 hours. Well we did and were told that only part of the paperwork had come through. When we asked "can you call the branch and have the info done?" Williams reply was no - he was not customer service - and we would have to go back into the branch and fax it again. Tell me why we would have to do it when he should have easily said "let me just get the branch on the phone and see if we can resolve this." I have closed two accounts I had with them over the years because of their attitude -- this is the third and soon to be final one!

New to the area, my wife and I wanted to establish a relationship with a local bank. On March 10th, 2015 we applied for Citizens Get $500 offer and made a deposit of $20,000. We were told to make an additional deposit before April 30th, which we did. When the bonus $500 did not appear on June 30th as promised, we went in to question the reason.

I closed my account. This bank is still sending me harassing note that I owe them $9.92. If I do not pay they will report it to consumer reporting agency. Why the consumer agency do not take action against such unscrupulous companies? I AM 80 YEARS OLD. So they think that they can threaten me to pay them. I despise this kind of business. Do you?

I have had several issues with Citizens and the last two are the final straw. I bank with Bank of America as well and recently started doing business with a Canadian company. I am going to be doing many purchases with them over the next few months, so I asked my banks if I could avoid the foreign transaction fees. I am paying in USD and do not see why they would need me to pay since they are literally not doing anything different than if I was purchasing from a US company. Bank of America immediately refunded my fees and promised not to charge any in the future. Citizens however, did not and refused to budge on the matter.

When I electronically withdraw funds from Citizens to deposit into an account at another bank, the funds are always available immediately. However, when I transfer funds INTO Citizens, although the money is instantly withdrawn from the original bank, it takes Citizens 3-5 days to show the funds in my account. What are they doing with my money?? Isn't this illegal?

I have banked with citizens for over 15 years and never had a problem until recently. My account was overdrawn, and I immediately made efforts to deposit funds into the account. I recently relocated out of state so I must bank by mail. But in the meantime fees were being applied. I talked with several representatives and always got different stories as to what could be done to resolve this issue. The funds were overnighted, but Citizens waits to post the funds in the meantime fees occur. So I choose not to deal with a bank that penalizes you for the first time your account is overdrawn. I closed my account and would not deal with or refer Citizens to ANYONE.

Using online banking, I wrote a check for the full balance in my account, leaving a zero balance. The next month I received an overdraft notice along with a $35 fee and an additional penalty of $9/day until funds are deposited to cover the overdraft. The overdraft happened because 1 month after the draw date the bank charged me the monthly service fee for $9 and then claiming I had insufficient funds for the check written the previous month. Despite the draw date on the check, the bank was able to collect their fee because the check hadn't cleared. OK. Can't fight them, so I'll make a deposit. Opened my account online, did all my transactions online, but the transfer of fund takes a few days. Citizen Bank is charging me a daily penalty until the funds arrive.

I have two complaints. The first one was two yeas ago. I deposited two checks from someone which were not good. I got charged two separate fees for those deposits even though nothing bounced. They told me that I should have checked the checks to make sure they were good before depositing them even though they could have been good the day I deposit them, and the person that made the checks to me could have withdrawn the money between the time I called and between the time it took the bank to transfer the money from their account to mine but yet I get fined for bad deposits as well as the check writer.

I cannot stand this damn bank and I always say I'm going to leave them but I never do! I have had it with the bank! They are always charging fees for everything! If we want paper statement we need to pay now but not everyone has a computer!! They mix your transactions and blame it on the merchant and then you get hit with several odd fees behind their money hungry ways!

Setup my account with direct deposit. Payment was supposed to clear Monday May 4. Error in direct deposit. Get charged several 35 fees. Call bank to inform them with transaction problem and to get fee waived. Very rude uncooperative supervisor tells me "If you don't wanna pay our late fees take your banking elsewhere." I was shocked. I started researching and it ends up they are the worst bank in customer service and they have the highest fees. Never will I do business with them again. Been loyal customer for many years and they can't waive a fee because their system had a glitch. BEWARE outrageous fees and horrible customer service.

This is the first and last time I will ever have anything to do with this bank. It all began back in October of last year when I got my son a truck in my name from a car lot. I did not choose this bank, it was chosen for me. He needed a vehicle and couldn't get it in his name but agreed he would pay the payments. His first payment was due October 20th, he sent a check through the mail almost a week ahead to make sure it got there on time. Maybe a week later, we got the check back saying there were insufficient funds, which was not true. So it has been one thing after another. His payments were 563.00 a month and he could pay that, but not 1200 which is pretty much what that was charging him. We don't have 1200 dollars just lying around.

I hate Charter One from the beginning - they were terrible I should've never gone there. They canceled one of my cards without warning or notice. They locked me out of my account for absolutely NO reason. Eventually they said it was because of an update they did but I didn't even find that out until my 5th time calling. Last but definitely not least they put false money in my account so that I would think I had money I didn't have and I overdraft 54 dollars. I don't have overdraft protection but they still charged me an overdraft protection Fee and my accrued fee until I had a positive balance. By the time my direct deposit came almost HALF my check was gone. They said sorry but there's nothing they can do. Every time I call one of the locations in Euclid, Ohio they put me on hold forever until I eventually have to hang up - 3 times I've been on hold for 15 minutes until I hung up!!!

I'm a student so a computer is a must in this day and age. When I went looking for ways to go about getting a loan for said laptop, I came across RBS CITIZENS BANK. To be honest, it was the only bank that would show up that really emphasized on helping students. Long story short, I got denied after having high hopes. And no I didn't get denied for having little credit on, got denied even with a co-borrower. I don't see the reasoning to deny someone a loan when the monthly payments were under $100 dollars. I have a good paying job with virtually no bills to pay. Does this bank really and have little faith over $46 dollars a month? I recommend no one come looking for any help from this bank.

This is for the Citizens Banks in Johnston, Rhode Island. I walked in on a Thursday to withdraw money from the bank teller... knowing that I am a minority the lady at the tell decided to close her station and the other teller decided to take the next customer at the business line after seeing clearly that I was next to be taken care of. This is not the first time this happened. This is the last time I would ever go back to that Citizens Bank again. Racism is still alive and to make a person feel like that is completely wrong, and if I could swear I would so I would be taking all my money out this bank and go to Bank of America.

I have been a customer of Citizens Bank for quite awhile and have seen the shady, shady practices that they employ to take your money. It started with overdraft fees, we've all been down that road. This was a new one on me though: I recently got a credit card through Citizens and have constantly heard my "cash forward balance". It's advertised on the website, when I deal into customer service, and on my statements. Now I know why: If you use this credit card at an ATM you will be charged $10, then incur daily interest until you pay it back. I took $20 out of an ATM, was NEVER notified of a $10 fee, or the interest policy, and by the time I got my next statement realized I had incurred $11.50 in fees. Customer service flatly refused to refund this fee as this policy was stated in the terms and conditions.

Paid off equity line of credit in 2014. I then received a bill for $100 fee for having loan under the minimum amount (LESS than 20% of maximum allowed). I went to local branch and was informed I could not cancel because it was a 10-year equity loan. I was at the end of my 9th year. In 2015 received lien notice with a $200 total fee for having the equity loan under the minimum for two years. I called the Charter One with little help except to fax a request or go to a local branch. Went to a local branch only to be told I signed the contract 10 years ago and agreed to pay fees.

I'm in the process of purchasing a new home. I had started dealing with a mortgage person within my realtors office. She then moved to Citizens Bank. I followed her as I liked working with her. My issue is not her as a person but Citizens Bank mortgage procedures and maybe this is the "new" way of obtaining a mortgage but I am so upset I'm tempted to cancel the entire deal. Citizens Bank has asked me for so much information I should have taken a week off from work to get it done.

Sneaky bank, changes account programs without notification resulting in "non-refundable service fees". Even though all communication was set to electronic/email, a letter was sent to an old address. No email in sight. Sneaky way to steal my hard earned money. I will be

In October 2014 I received an advertisement Postcard from Charter One Bank Promising $200 to me if I open a new checking account! I took the ad-card to the branch in Warren Michigan (very near my home)! I sat with an associate "Jessica" and handed her the $200 New-account incentive card saying I would like to redeem it with a new checking. She took the card from me and with a single motion she hurriedly dropped into her desk drawer and after opening my account (with an additional $40 cash deposit), I inquired about the $200 and when I would see this in my account and she assured me that it would be available in "90 DAYS". I took her at her word (my first mistake) and went home without the $200 incentive Card (my second mistake)!

I presented a good check drawn on their bank to be cashed and was informed there would be a $7.00 charge to cash a $20 check. That's 35% interest to cash their check. When I challenged the fee I was informed, "Every other bank in the area charges a fee." NOT true by my experience with 9 other local bank branches. Terrible bank with nasty people. RUN AWAY!

My husband deposited his check as he has done for the last 10+ years. On Jan 26th he went to the local branch to deposit his employment check. The check always clears by the following day which is always on Friday. We schedule bill payments as always based on pay day. Well, Charter One's equipment was not working properly the day the check was deposited and it was not processed. So, I called on Friday and find out that they do not see where a check was deposited. Finally, they credit the account with the amount that should of processed back on 1/26/15.

My name is Tara **, worked for CITIZENS Bank in Glen Allen Virginia, was employed there for 3 years. Recently was terminated from my job due to fact finding in reference to document that changed. First, I wanna say I enjoyed working for Citizens Bank, its process that is broken and I had been doing for the last 3 years of employment. I worked in the loss mit department as mortgage processor gathering documents from mortgagors to complete their files to be processed for either loan modifications, deed in lieu, short sales or payment shocks, trained newly hired employees, handled ALS TO MSP transfers.

I have had trouble with the bank ever since I took this line of credit. They always say they don't have proof of flood insurance, I always have to have it sent to them twice. They keep requiring me to carry more flood insurance than I owe on my loan. There was a lawsuit of which I took part. I received a letter that said that as a result of the lawsuit I had the option to carry either Replacement cost, maximum flood insurance or the unpaid balance of my loan. I chose the unpaid balance, they have charged me for additional flood insurance anyway. When I call they read a script and tell me I have to carry the higher amount. The info they requested was faxed to riverside. However I can't call there as they give you no phone number. I need help.

Unwilling to return fees charged to my checking account. When I called customer service and indicated that a insufficient funds fee was charged to my account (over 3 times this past month) even though my checking account was not negative, they tried making excuses and would not return the fees of $35. You can look in black and white that the fees were not warranted, they were unpleasant and refused to listen to my reasoning. This company is making money from screwing people who do not pay very close attention to their checking accounts. I have spoken to many managers and gone into the branch. I am very concerned this is happening to other people and it is very illegal. Charging insufficient funds fees for any credit or debit purchases is against the law yet Citizens bank has no concern for the law. I have documented proof that all times there was sufficient funds in the accounts.

I had written a bad review regarding an experience with Citizens Bank. I had an experience in which my grandson was hit by a car and killed and my account was overdrawn and was charged numerous fees in which I was calling to see if anyone would help me. Due to the awful circumstances in which I was not in my right mind to notice I had overdrawn my account and was looking for someone to help refund the fees.

My experience with Citizens was the worst banking experience in my 50 years of banking. They lied, used con tactics and cheated. They will corner you and force you to pay their outrageous interest, penalties (3.00 a day per diem on auto loans!!). They are rude, unprofessional and just completely uncouth. I will never give another penny of my money to this dishonest, cheating bank.

On Dec 1st I was robbed of my checking account and debit card. I cancelled the account and opened a new acct. The original account stayed active so any remaining checks would clear. This bank still allowed funds to be taken, even as far as taking money out of the original account to put in my savings and charge me an NSF fee. I have been with this bank 25 years and never bounced a check! I incurred $300 worth of charges. Instead of waiving the fees they lost a great customer! Also I spent a day off work to handle this with a branch associate and was never informed that I had to change by bill pay to the new account as that was still going to divert to the old account. WOW, I am planning on filing a small claims lawsuit so no one else goes through this ordeal!

Charter One bank made a $56,000 deposit in my account that wasn't mine, they withdrew it. I asked them to erase it from my statement, they refused. I got in heated arguments with them, they closed down my account. I got a hold of attorney general and other place. They still didn't budge.

I would not waste anytime with this bank in regards to refinancing your loan. They will give you false information from the beginning, agree that they gave false information and will not honor it in the end. They will tell you that a manager will contact you within 24 hours and then proceed to ignore your calls. The customer service reps are very professional and nice, but when it comes to honoring their offers, they need upper management approval and upper management apparently does not have direct lines to communicate, nor do they ever contact you. Also, there are a TON of complaints in relation to this bank in all forms of banking, I'd stay away. Had I done my research on them from the beginning, I would not have wasted months of time applying for their education refinance loan.

On November 3rd two online bill pays were supposedly sent to AT&T as well as Aaron's. November 6th is when the companies were supposed to receive them. The companies called my spouse and I on the 7th of November telling us they never received the payments. I called the bank and spoke with an associate named Sandra. She said that the checks were probably lost in the mail. She advised us to cancel the checks. Sandra said we would incur 35 dollar stop payment fees for each check, but that she personally would go into the account the following day and reimburse those fees.

This is a horrible bank with very unethical and very disruptive business practices. They fraudulently took money out of my accounts in the investment side of the business and transferred money illegally to the branch manager at another branch. The paperwork states they had a court order and they do not. They are now claiming that they don't know what happened to the money. It appears that they were wire transferring assets through the banks and that they were all connected: employees at the branch and also the Investment company. They are claiming and representing to people that they are two separate companies. They hire inexperienced and calculating people who were attempting to cover this up. They are despicable and also very calculating.

DON'T USE THIS BANK, EVER!!!!! Unfortunately I am stuck with this terrible bank for the next 70 months. They had my address wrong & never sent me the bill for my car payment. I cleared that after the first phone call they made to me. They were supposed to mail me the info so I could set up the account with my bank, Chase (the best bank) to make online payments. The only document I got was on 10/30 stating I owed the last month, new month and another late fee. When I called them I was told that I have to pay late fee, even though I didn't do anything wrong. I paid online Fri 10/31 in total, but continued to get calls all weekend & today. I asked them if they keep record of what was discussed & got the runaround, then they wanted to change my address again. I spoke to the call center manager Terry and got mixed stories from him. First he said I still owe & that it takes 3-5 business days to clear the payment, then said 7-10 days. They treat you like you don't know what is going on & don't give a damn about you.

I received a check from aig insurance company for injuries sustained from a work related injury. A credit agency obtained an order to collect a debt from a previous credit card in 2002. Citizens bank said they sent me an exempt form by mail but never did and paid the credit agency without obtaining an exempt form knowingly in the past. I filled out 2 forms in the past and that the account was a disability account.

When I was traveling, I used my debit card to pay some food and cheap things. I did not notice that my balance was not enough. I spent several dollars, but the Citizens Bank charged more than 300 dollars. I called service department, they denied my request for some refunds.

I have been a customer for over 6 years only for convenience since I worked at the grocery store the branch was located in. Besides the many times I was charged bogus fees on top of bogus fees that put me over my limit, I found some fraud charges on my account through my online banking statements. I did call customer service and asked the bank to put an alert on my account. I informed them to let me know of suspicious charges made outside my local area as I only use this account for local merchants. The debit card is linked to a checking account that I never use therefore I never purchased checks for it and have no idea what my checking account number is since I only use the debit card. I was contacted several times over the past 6 years about my debit card being used for several unauthorized online purchases and each time my debit card was cancelled and I was issued a new one and every time the same thing happened.

Customer stole check, forged it. Charter One stated signature matches signature card. Forger did not even spell last name correct. Charter One refuses to pay.

This is a small inconvenience compared to what many have suffered. But it speaks to Citizens Bank's disregard for individual people (sometimes known as citizens). I absent-mindedly left my non-Citizens Bank debit card in an ATM at my local branch (sadly they do not offer the kind that release the card immediately after reading it). I realized my error and went to the branch within 24 hours to reclaim my card. It had been turned in to staff by an honest customer but was immediately shredded. Why? It will take up to two weeks to get a replacement for the card, which I use for all my purchases and for obtaining cash. I pay $3.50 each time I access this bank's ATM and this is what I get in return.

I have 4 Accounts With Citizens, 2 of them are Business accounts. One of the Business accounts the Business is Not yet open. I was going to use Payment Systems Corporation for my credit card processing. However they told so many untruths, I decided against it. I Never turned in Original Documents, Nor did I plug equipment in for the in opened establishment. For 7 MONTHS, payment systems corp and First Data (the equipment lease) continued to take money out of both of these accounts!! I contacted Citizens immediately. However no one and I mean NO ONE, knew their jobs! I would get conflicting information each and every time!

I am a long time customer at Citizens Bank in Mass (15 years plus) with 8 bank accounts there along with my mortgage for years and a home equity line of credit. On Wed, Aug 5th, I went to a local branch to make a deposit to two of my accounts and noticed that the balances were not right so I clicked statements and come to find out in the previous 12 hours, $14,472 had been withdrawn fraudulently from three checking accounts. Apparently someone had called online banking (which I never had set up) and had accessed my home equity loan and taken out $30,000 and then transferred it online to three separate accounts, made ATM cards with passwords, and headed to ATM's and withdrew $14,472 in less than 12 hours. Quite shocking that I, the customer, was the one to notice this NOT Citizen's Bank!

I go to this branch at least once a week and 90 percent of the time there is only one teller but there are at least three another employees there. Sometimes they are taking to one another and sometimes they are in cubicle dealing with other customers. The line to see teller is usually to the door and the wait is over a half hour. I don't know about everyone else but I don't have time to sit in a line for over a half hour. Today 7 28/14, I was waiting in line for a half hour and still had three people in front of me, I walked out in disgust. Something needs to change, hire more people. There are a lot of people without a job, so there is no excuse.

Charter One Bank allowed someone who did not have ownership of my account create an online profile in my name and gave them access to all my personal account information. I have been trying to resolve this with the bank for over 15 months now. I have filed a police report and have asked the bank for all information on this online profile and they refuse to give me the information without a lawyer requesting this information. The bank has been no help whatsoever and I feel violated again. It was my employer's wife who opened up the profile and I have lost my job and medical benefits over this situation. The name of the medical practice is South Valley Internal Medicine in Trenton Michigan. Dr. Jonathan Lovy is the owner.

I had a home equity loan with Charter One and it came due. They wanted me to sign up for 7.5% interest to continue the loan. I am not a banker and I don't understand everything. All I know is that I paid faithfully for years and this came up. I was trying to figure out what to do in the meantime. They ruined my credit. I paid them $28000 cash and now my car and homeowners is going up (8000.000 for auto and $1000 for home because my credit rating.). What can I do. I am 56 years old and they are extorting huge amounts from me. Please help!

I have a checking account with Citizens bank since 2010. I always noticed that their fees are few dollar higher than other banks but when you open an account you create payees and it is always hard to recreate those so I said whatever. I needed an image for 1 cleared check deposit recently and I requested on May 20. I paid $10 just for that which I thought is high but bearable. Few weeks later, I had to put in more requests and I called the bank again and made the same requests for 3 check deposits and I asked the customer rep if for a cash deposit I can get something from the bank different from the Electronic Check Image I can download from my online bank. He said that yes, what they can pull from their records is different than what I can download from the Image Search option in my online banking account. Today I received 4 envelopes containing: 3 of the image checks and one for the cash deposit, the exact type of document I can download from the online banking.

I have received phone calls from the "Office of the Chairman" with regards to my complaint however, I was unable to actually speak with a person there due to my demanding work hours. Citizens Bank was kind enough to refund the unethical fees that they charged me, but only after a fight. I am sorry that it had come to this in the first place but I wanted to thank Citizens Bank for at least providing me with the resolution I expected after being treated as less than human but their "Customer Service" department.

I am so disgusted with this bank and their employees that I will close my account once all transactions clear. I find it stressful and unnerving to be with this bank and have been a loyal customer since 2006. I will also see if I can start an investigation into their banking practices and would strongly urge others to go elsewhere for their banking needs. I transferred money into my checking account from savings on 6/9/14. My account was positive at the time but I knew I needed to add money into the account to cover checks that would clear. My account immediately reflected the correct amount and I went to bed feeling confident that had enough in the account.

I have been charged twice by mistake, once in March and once in April, the annual fee of $81 for renting a safe deposit box in the Newton Center branch. When I noticed this, I called the branch and spoke with Terry. It took him a few minutes to verify the validity of my complaint, but he asked for a short time to issue a credit. I called him couple times after that and eventually he gave me the date to recall him (5/7/14). When I called 5/7/14 and named myself, they said that Terry was busy and I had to speak with another representative. He quickly verified the double charge and promised to call back with 5-10 minutes. Not hearing from him, I called myself and had to speak with yet another representative. I learned from her that the branch manager is away until next week. I called Citizens 800 number only to learn that they don't handle safe deposit box charges and the best person to contact is the branch manager. I had a similar trouble last year but took it easy. Now I am very concerned about the second occurrence and virtual inability to handle improper charges by a Citizens customer.

Charter one bank is the worst bank around. Customer service is not a part of their vocabulary. As for hidden checking account fees they are, no doubt, the best. So if you like being treated like crap, enjoy being charged fees without your knowledge, called a liar, then this is the bank for you.

I was overcharge, a service charge of $14.57 which the charge is only $6.99 for two totaling $13.98. Then I made a deposit of $420.00 through the ATM in order to bring my account current then they charge me additional $6.99 that total $21.56. I spoke with several customer service rep and was told that once I made the deposit my account would be ok. Then I recheck my account I was charge again, spoke with them again, ask for a credit, was told there is nothing they could do. I should have never been charge when the deposit was made before close of business day.

I've had my account for about two months now. Someone attempted to scam me with a money transfer scam. They sent me a fake check of 3000$, and at the time I thought it was legit. After I deposited the check they told me to wire transfer 1800$ to their web hosting provider. At this point I knew it was a scam. So about two hours after this happened I called up my local branch, and was told to just watch the account. The teller told me that it is probably a scam. So I did some research on my own, and found out the routing number on the check was a fake.

This bank must have some agenda that I am not aware of today. I have had the same checking account with them since 1996. Today, I received a letter that they are closing my accounts in the next 10 days. All of my accounts have more than sufficient funds. I called, can't get a straight answer. I went into the branch, can't get a straight answer. The branch manager said that the higher powers and the company responsible for closing accounts will not even tell him the reason why. I said hey wait a minute that's not right. I should have the right to know what the issue is. What if this problem is due to identity theft or other fraudulent activity? STAY AWAY FROM A BANK THAT DOES THINGS LIKE THIS.

Three years ago, my ex-wife stole thousands of dollars from one of my Charter One Bank Accounts by writing fraudulent checks and buying things online. She wiped out my account and wiped out my overdraft protection entirely and took the overdraft deep into negative territory. Obviously, I was hit with enormous fees and penalties that I couldn't begin to keep up with. When I attempted to explain the situation to Charter One, their response was "too bad". They claimed there was nothing they could do. I sucked it up and worked out a payment plan with incredibly high interest that I've been paying since. In July of this year, I got a call from Charter One saying that if I paid a certain amount of money then they would close the account and it would finally all be over. So I paid it. Now it's a couple of months later and they have started calling me.

Long story short, it took us 4 branch visits to get my husband set up on my existing account. We had to make three debit card requests and each one had some form of user error making it not work. With the last one, the address for the pin and card to be mailed to was missing the state and zip code. The bank's phone operator said the card and pin were likely floating around at a post office somewhere - undeliverable. We still do not have a debit card for him after 6 weeks, several branch visits and phone calls. What is worse is that the branch failed to enter his immigration information correctly and subsequently lost the copies of these important visa documents that contained a good detail of private information. We were just told that we have to bring them into the branch for a 5th time to make another card request. The issue that does not make sense is that his name is officially on the account, and the immigration papers were required to make that happen. Yet no one knows where they went. I just tried to write a complaint to Charter One, and the place to make a complaint was very difficult to find. After finally locating it, the form errored out 3 times and I was not able to write a formal complaint. We will be switching banks immediately.

This bank intentionally confuses customers by giving them inaccurate balance information regarding pending debit transactions, making it very easy to overdraw. Then, once you overdraw, they change the order in which transactions clear - they don't clear in the order that you made them or even in the order that you might have seen them presented in on your online banking (in fact, if you are banking with this bank and you check your online banking, my biggest advice is to take screenshots of what you see in your online banking - you'll notice that the order that things clear, etc. will often change).

Citizens Bank is the worst bank that I have ever done business with. I have two direct deposits going into the account, but they post the deposit to my account at their convenience. Their overdraft fee is horrendous! The manager at the bank seems to want to help, but in the end, she is an IDIOT! She told me things that were NOT true. After my last direct deposit is posted, I plan to close my account and will NEVER go back. Stay away from this bank. I hope that it goes bankrupt and that no one bails it out.

On December 6, we applied for a mortgage. We wanted to refinance; they were offering a lower rate. After submitting the proper documents, we were told by Jon ** that everything "looks great and that we will not have an issue with refinancing." Every week we got emails and calls saying they needed documents (documents that were already submitted). We resubmitted the paper work and chalked it off to disorganization on their part.

On December 22, 2012, I deposited three (3) checks plus $260 in cash. I asked the assistance of someone who works at the Citizens Bank. I gave him cash of $260 and I was standing beside him to make a deposit. He said that the teller is a new manager of the Citizen's branch. She took the $260 in cash and gave me a receipt. Before this, I have deposited three (3) different checks a few minutes before I made another deposit of $260 in cash. After I made the second deposit, I requested a printout and I did not review yet until very late at night and found out that the checks I deposited was dated December 24 instead of December 22 which is the correct date. Also, I found out that the $260 in cash which I deposited was not recorded as $260 but instead $90 of which it is short of $170.

Nothing, she would not help me. You are fast to take me money but give back to me when asked about a mistake.

My mother called me at work to inform me the bank teller refused to give her requested funds from her account on November 16, 2012. She said the teller told her your driver’s license is expired and I can't give you the money. My mother didn't realize the Secretary of State did not send out her new driver’s license to her so she has been using the one she had. This same license was good enough for her to deposit a large check of over $7,000 a few weeks back, but she could not touch her funds on a Friday?

I bought Honda Civic 2010 from RI and took a loan from Citizens Bank, RI. Now I have moved to California and traded in that car to Lexus Pleasanton. Lexus Pleasanton has paid off my loan in full in April 2012, but have not received the title yet. I have called Citizens Bank RI and customer service a couple of times. Every time I hear a different version. First time they mentioned that they sent it to my RI address. Next time I updated the address and they said they will be sending it to my current address. I still did not receive it. I called again to get to know that they do no have the title and cannot give it to me. I should be going to DMV. I inquired with DMV; they also have no information and Citizen should have the title. I have called them so many times but they would not help. Could someone help me please and let me know how to work this out?

In August of 2011, Charter One suspended our Home Equity Line of Credit ("HELOC") along with thousands of other customers. Charter One and their parent company, RBS, sought to escape the risk they perceived these equity lines represented, even though the majority were not delinquent. When the letters of suspension were sent out, they had no date on them, a strange thing for business correspondence to not have. RBS/Charter One cancelled most lines based on an "AVM Appraisal" or Automated Valuation Model, the so-called "Drive-by" Appraisal. Ours put our home at $9,000.00 below what we needed to keep the line of credit. And if we paid a $285.00 fee to the bank, they would have their own appraiser investigate, and then make a determination. Their appraiser came in $39,000.00 less than the AVM, and used comps that were 75 years old for an eight year old house.

The IRS deposited my refund check in a charge off account. I spoke to the bank and the people from the IRS myself. I gave them my new address and they said they would mail my balance to my home and to call my bank. They said they mailed it to Norman ** at **. I don't live there. I told Charter Bank, "Why would you put my check in Norman **'s name?" I then called my attorney. I told them, "I want you guys to give me my check back to me." Charter Bank told me I would have to go after Norman. I told Charter Bank I don't know where he is at this time nor do I know where he lives. Now I'm going to file a case against Charter Bank if they don't mail me my check. Now Charter Bank can go after Norman but I won't do such thing. I asked them to put a stop on the check. As of 8-3-2012, the check has not been cashed. Will someone please contact me about this matter?

Poor customer service, no help at the tell desk. A black female employee basically ignored me while on the phone and her associate was handling drive-thru and teller responsibilities. I am appalled and ended up just walking out of the bank and going to another Charter One in town. Thank God I don't bank with them; I was just depositing a check for a family member.

We've been customers for the past 30 years, my husband and I, and they are great! We frequent the Route 303 Streetsboro, Howe Ave., Cuyahoga Falls and Route 303 Hudson locations. They are so pleasant, friendly, accommodating, and just plain personable. They treat you like friends. They have big smiles on their faces when you approach the tellers or when they greet you going through the drive-thru.

I have had and still have several accounts with Charter One Bank. Recently, I was shocked to find out that Charter One Bank had charged my business checking account a total of $273 claiming insufficient funds in that account. I knew that I had all the funds available before the purchases I made. When I made a phone call to the bank to sort out the problem, I was informed that some of my deposits I made a couple of days earlier had not cleared. I now strongly feel that the bank intentionally confuse or trick the customers to spend and charge fees to make money. Before I made any transaction, I checked my balance (online and on the phone) and was sure that the funds were available, both in my overdraft account and the current/checking account. This is not the first time I have been charged. I would like an investigation done of the bank in this issue. The branch officers have no powers to do anything since they were taken over by Citizen; therefore, complaining at the branch is of no use.

Fraudulent Overdraft fees - Please be advised, I am extremely upset and put off by my recent experiences with Charter One Bank. These recent events which are quite similar to a previous experience I had with Charter One make the relationship completely unpalatable. I am so thoroughly aghast by the behavior of Charter One staff and or their unscrupulous policies and practices that I have decided to take my business somewhere else.

I received a call from Charter One in Sept. that if I had $15,000, they would accept that as a pay off and the house would be mind-free and clear. I told them I could do it but not until the first of the year because I already had an outstanding loan with my thift's account but it was being paid off this Dec. Sure enough, a Joan ** called and did contact me from Charter one and I just had to wait 60 days until submitting another loan she once again agreed. The end of March, I called Ms. **'s office constantly trying to go ahead with the plan. I finally spoke to this Tizmma person who said, "No such plan was written down. You owe $65,000 (on a house made worth $35,000 - trust me)." No if and/or buts even with $10,000 right in my hand. Well, right now, I'm seriously thinking of moving and just handing this key over to you with nothing. I've tried working with your company for over three years and it's not worth it.

I made a deposit in my business account and the following day, the funds were showing available so I transferred funds from that account to my other business account. Three days later, I got two overdraft fees. I called the 877-charter to resolve the issue and was told that the funds were on hold. I told them it showed online that the funds were available and that's why I transferred money. They told me no, I was wrong. I asked them, "Why did it show that the funds were available?" and the response was, "I'm sorry you're wrong. The internet would not be wrong and since I cannot tell it was a bank error I can not help you." I tried to explain that I check my account every day as I have been doing for six years and I know if the funds are available or not and these checks showed as cleared. They said I was wrong and the internet was right so they cannot help me.

I faxed over a letter to an individual in a branch, showing that one of my family members became the plenary guardian of an account. The letter asked to close out the accounts and send the funds to a set location. Just as I received the funds, the Certificate of Deposit was short by over $5k. I found out that a different family member was able to cash in on the Certificate of Deposit, of which her name no longer should have been on. The letter detailing the new family as plenary guardian should have been a red flag on the certificate of deposit and bank account. The bank never recognized the error and told me they were going to call me back, and never did. I am pressing charges against the family member and the bank.

About 2 years ago, I paid off my 2003 Chevy Venture (early). After paying it off, my wife called and said we never got the title in the mail. They informed us that it takes some time and I was not concerned as it was paid off and I was planning on keeping it for some time.

Charter One carried our second mortgage. We submitted the same and original payment every month. Every additional principal only payment we have made since day one has had interest charges removed. We recently paid off the second mortgage and had a "credit balance" of $106.42. Upon calling and verifying the credit balance and after waiting a month and a half to receive the lien release and rebate check, I received another bill in the mail today. After calling their representative, the account still showed a credit balance of $106.42, however, upon further checking by the representative, we owed an additional $66.30.

A few years ago, I was in the process of purchasing my home. I had just sold my previous house, and the money was sent to Citizens Bank. In the process, my new mortgage company required that I pay down my auto loan. In order for the mortgage to go through, I had to pay it by the end of the business day on a Friday. My wife had already gone to Citizens in Providence, RI prior to this request from the mortgage company. The teller said the money was ready for withdrawal. To pay off the auto loan, I needed that money. The amount was approximately $50,000.00.

I have an equity loan with Citizens, which started 11 years ago. From day one, I asked for the payout to creditors so I can see who they paid. To this day, they have yet to send me a copy of it. Second yes, I have been behind on payments but I pay once a month, so they are getting paid. Still they have a fascination calling my house 10-20 times a day under Citizens and random numbers. I have a disabled and elderly mother at home and this needs to stop because it's plain harassment. I could see calling maybe once a day or every so often, but this is ridiculous and it's gotten to the point I can't wait for 4 more years when this loan is paid in full as I can't take it anymore.

In a time where business is in direct confrontation with consumer, it is no more apparent or directly malicious than in Charter, also known as Citizens Bank. I have been a long time customer until the mounting "fines" or fees to be politically correct cost me $100/month to maintain my accounts.

Charter One Bank in Mentor-on-the-lake had the most unprofessional branch manager named Terri, and the assistant manager, Chuck, is not far behind her. We own a small automotive repair business, and since December 2011, we have gotten hit with over $2,000.00 in fees. In November, we went in person to ask for a business credit card, to "assist" our business through the "slower" time of our industry, and Terri said,"yes, I think this would be a good option for your business". She then forwarded our application to Ken, who handles business banking. We did not hear any response from Terri or Ken. We called to inquire about the status of the application. Terri said, "oh,you have to be in business for one year, before the application will be considered".

I have a business account with Charter One Bank for over three years. In the last three months, I have had a lot of problems. I paid probably last year about $3500 in fees on an average of $300-$400/month. In October, someone from Charter One, Alli **, came and changed my account to save me money on my incoming wires and other transactions. In December, I got charged $4,483.31 without any explanation. I went to the bank the next day, which was a Saturday and they said they will give me a floating credit until Tuesday to figure out what this is. I called Alli and she said on that Monday that she fixed it. They have reversed the fee.

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

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