Citizens Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I have read reviews and it seems like I have the same situation. I have been a customer at Citizens Bank before when it was Charter One Bank for at least 15 years. I have overdraft in the past and willingly pay the fees knowing my arrears however I'm not always been happy with it. I was led to believe there was three waiver a year and a $5 Grace when. I had a automatic withdrawal from a gym membership come out for 2005 I purchase headbands for $4 the same day neither processed till two days later. Because of their withdrawal rules it process the gym membership before the $4 purchase which resulted in a -19 overdraft when I was really only short a dollar. So now I'm paying $36 or a $1 overdraft and the overdraft is still pending. It doesn't show up on my account yet and I wasn't aware of that.

I had an issues with a company withdrawing money without me knowing. The customer service rep at Citizens told me to file a claim to stop payment and get money back without all the daily overdraft fees. I specifically asked more than once if the company can access my account to put money back because then I would have gotten it back twice. She assured me they can't... But they did so citizens then wanted their money back too. They set a draft date 2 days before my pay so I called electronic banking asking to delay the draft date. She said it was set and fine. Having a problem with claim filed already I asked a few times if she was sure... Said "yes it definitely will not draft" then it did so I called same dept to complain.

I have accounts with a few other banks and I work for a financial but have never found a worse customer experience or nickel and diming than with Citizens Bank. Fees to get hard copy statements. Incoming wire fees. Deeply troubled website and ability to log in. Blocking ACH's from large verified US Banks. Charging income wire fees ($18). Generally terrible customer service and stonewalling for speaking with supervisors and a general runaround. Worst of all they won't close my account and send me my money. Don't do business with this bank... There are plenty of other options of banks that will appreciate your relationship.

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.