Citizens Bank Reviews

Some time went by, and I checked this account that I use for vacation saving, when I noticed it was overdrawn. Not the $200 I overdrew, which had actually since been deposited via direct deposit, but was still negative over $150 in fees. For the one transaction. An initial charge of $35, and subsequent charges for $30 for remaining in the negative. Not only had I not received any correspondence to inform me I was in the negative, but was charged an obscene amount of fees. In my multiple attempts to rectify the situation, I was simply informed that the machine doesn't tell me, and therefore they are not responsible.

I can deal, although displeased, and move on. But the fact that the bank does not follow a standard practice of informing you that you will overdraw your account at the ATM is very disappointing. It is not customer-centric, and in my opinion is deceptive. I got 3 different stories, one telling me I was informed of the overdraft, one saying I should have been and a third telling me I wasn't and didn't have to be. Maybe they do not know their own policies. Either way, Citizens is not a bank acting in the best interest of the customer and it should be known.

Get this, the rep tells me that, "We didn't charge you a fee for that. We charged you for the transaction before that, on the 15th of November for $21.98." I told her that can't be right because that transaction had posted and my account was current and had a balance of $2.50. Then she proceeds to tell me well the $4.99 charge was already taken away from my balance. My mind was blown. I told the rep Shelia that makes absolutely no sense because the transactions happened a day or two apart and my account had an available balance in it before the transaction for $4.99. She then tries to repeat herself like her logic is right when it isn't. This isn't the bank for anyone with funds or very little funds. They are crooks, I've even been charged overdraft fees for pending transactions. I will stick with my credit union until I find a better bank and I will never suggest them to anyone.

To my surprise the loan was denied within 30 seconds of application being submitted. The reason for denial on the letter stated, "Credit history reflects a bankruptcy" and that they carefully considered my application. I was given false information by the bank manager, bankruptcy does preclude you from being eligible for this loan. Secondly, my application was not carefully considered since the denial letter came 30 seconds after submitting the application. First, I wish Citizens Bank would have been honest with me; especially since I specifically asked the question about bankruptcy prior to applying for loan. Secondly, I wish they would have truly "carefully" considered my application. My mortgage company carefully considered my application, and I was able to successfully prove that the cause of my bankruptcy was due to circumstances beyond my control.

I got a $35 overdraft fee for being $18 overdrawn. I called their customer service dept to have it reversed and they wouldn't do it. They said they will only do it once a year. The last time it was done they said was last December so technically it was last year. When I confronted them about it they said it's a rolling year. Way to deceive your customers! Well they lost a faithful long time customer. I will be finding myself a better bank that rewards me for doing business with them!

Not realizing that this message was a scam, I called it and the next thing I know, I was told that Apple insurance doesn't cover software but that an antivirus software would be needed. The person indicated that they were an offshoot of Apple Services that handled such software and antivirus needs and that for $199.99, I could have 2 years of this protection. I had my doubts and asked tons of questions - but these seasoned pros had answers to everything. Not knowing any better, I made the payment - it required paying through the bank via ACH.

There was even a message next to the payment process that said that there would be fines and federal reporting if payments were not legitimate! Basically threats about making legitimate payments -- talk about hypocrisy. The person took over my computer to install this software but the computer continued, though now unfrozen, still had issues -- strange messages and alerts. I took the laptop to Apple the next day. Apple told me that this company was a scamming company that victimized at least 5 people a day on their end in this one store! In other words, they were familiar with this scammer! They said to call the bank right away and tell them the situation and put a stop to the payment.

So I called Citizens Bank - I explained it. The representative understood the situation and completely agreed with the fact that such scams can occur and that they would look into this. I was worried about the scammer's ability to go into the account again and asked about protection. The rep said that if they found the scam to be legitimate then they would block the company. If not, then I could change the account number.

Today I received a letter from Citizens for the wrong amount - $119.19 - and the claim was denied on the grounds of "Items under written statement of unauthorized debit cannot be used to dispute non-receipt of goods and services." What does that even mean? An ambiguous statement that is meaningless but the perfect way to not assist and protect the customer?!

Then I asked about what the statement of reason they gave meant and they said because I authorized it, they can't do anything about it. That's not what the statement read! Worse yet, this was a Chinese rep who couldn't speak well enough to explain anything. She was rude and unwilling to listen. Then she proceeded to say that I should've done my research first on the scamming company before paying.

Well sure! When I am being told that this is an Apple support company and my computer is locked so that I can NOT research anything, suddenly it's all on me. This was synonymous to saying: 'If I got robbed at a store, why did I go to the store in the first place and I should've researched the potential robbers likely to go to that store at that time when I anticipated going!'

I asked her what protection can they give to customers with regards to such scams. She said - none. I told her that this doesn't bode well for Citizens customers and that if word spread on this, then it would reflect poor practices on Citizens Bank. She didn't care. I am definitely considering moving my account, my business account, and my parents' accounts from this bank!

I have now called back numerous times (July 2, July 13, 25, 28, 8/1,10, 17,21), and have supposedly spoken to both Mary ** and Joel ** from the Chairman's Office (highly doubt this) and no one can seem to answer where my money is going. At first they tried to state that I must be filling the payment coupons wrong. Since the coupons state what do you want to go to additional principal, and being able to read and write English, I know this is not true. They then stated they would have to get copies of coupons to see how I filled them out.

I have now reached out to the New Jersey Consumer Affairs Counsel in order to seek assistance filing whatever paperwork is necessary in order to get all back principal payments credited to my account.

I worked day and night over the weekend as well as pay contractors to get the list done. After that no appraiser. I asked him if it would help if I went up and took pics of the work and emailed them to him, he said yes, it may help move the process along which I did. Everything was done and electric heat was installed in every room. Do you believe after looking at the pick he asked me where the pipes from the electric heat run too. He asked if they ran to a furnace??? I called and emailed and was told an appraiser would call me that day. Never happened, I called again and was told I would be contacted within 24 hrs. Never happened. Every time I spoke to the loan officer (whose name I will not give but the initials are BS) I was told he was working on it and he would get back to me shortly.

After working my ass off, 2 weeks later and still getting the run around, I was told I needed to finish the bathroom. I had told them in the beginning that was one of the reasons for the loan. He flat out lied and told me he had told me earlier that the bathroom had to be done. I have all emails and voice mails to prove it. I finally told him that I was going to my local bank (which I should have done to begin with) and to cancel everything. I went to my local bank yesterday, with the paperwork and was approved. ONE DAY. Imagine that. Save yourself a lot of trouble. Do not use Citizen. These people don't care about you. Citizen needs to really look at the people running the online service because as far as I am concerned, they don't care about anyone and have no clue as to what is going on.

I immediately went to Mark the manager of the branch and complained about Garret's behavior, and I also asked for the regional manager's information. Upon further brainstorming, I realized that my argument was moot because I was able to resolve the issue, so I did not contact the regional manager. On June 6, 2016, I received a letter telling me that my relationship with Citizens Bank was being terminated. I immediately felt that this was due to retribution because of my complaint, and possibly discrimination because I am black and Garret the Asst. Manager and Mark the Manager of the branch are white.

I immediately went to the branch to inquire if my account was in fact being closed due to retribution. I spoke with Mark the manager at the Rodi Road branch, and he told me that they would never close a customer's account because of a disagreement and proceeded to tell me that Steve ** at the Edgewood Towne Center branch was in fact the person that put in the request that my account be closed. Mark told me that he wasn't even allowed to tell me that but he wanted to help me.

I then went to the Edgewood Towne Center branch to see if more light could be shed on this situation and spoke with Virginia in customer service and with the Asst. Manager at that branch (who were very nice), and they told me that Steve did not make the request for my account to be closed because they had never seen me at the branch and looking over my account they could not see why my account was being closed. All they knew is that it was being closed and that's all they could really tell me. They were able to see that in fact the request to close my account had actually come from the Rodi Road branch where Mark and Garrett worked.

I then proceeded to go back to the Rodi Road branch to speak with Mark again in regards to why (in a non threatening way) he told me that it was closed from the Edgewood Towne Center, when in fact in was closed from his branch. He listened and said that he didn't believe that Garrett the Asst. Manager would do something behind his back, and he told me that he would do some investigating and get back in touch with me.

Customer service to me is tantamount. I am stickler for it, and I demand good service. If I acted the way that Garrett treated me at my job, I would have been written up or possibly fired. I am disappointed with the way I have been handled by Citizens Bank, when all I've tried to do is be a good customer. I try my best not to bounce checks. I don't commit fraud with my account. I do whatever I can do legally to ensure that my account stays in the positive. I sincerely believe that Garret requested that my account be closed because I complained about his poor customer service.

Then the letter I received made me feel like I am a criminal, especially the last paragraph. I can't believe that as much business that I've done with this bank which on the most part has been positive that I am treated like this. I don't want to go to another bank. I have my direct deposit and everything else linked to this account. I feel that it is my right to complain if I'm not pleased with the service. Not one time during my diatribe with Garrett did I become hostile, I didn't raise my voice, I didn't try to jump over the platform, and I did not threaten him in any way, shape, or form. I just was trying to explain and make my point.

I just called on 6/3 to make sure they received the checks and they said it hasn't been paid yet and that it MIGHT get processed today or Monday. The lady on the phone said she had no phone number for the processing department and there wasn't anything I could do. I would just have to wait for my $16000 check to get processed and try to call back later. I have never experienced a situation like this in my life. The buyer of the car is still waiting for the title so she can put it in her name. Her temp plates are about to expire. This financial institution DOES NOT have the best interest of their customers. I would NEVER recommend anyone to use this company for anything. Consumer checking accounts and definitely not any loans.

Another thing that is irritating is they ask for your entire social security number in their automated system and then they ask again when you finally get to talk to a person. Why isn't there another way to verify us as a customer? I know they have more information that they could verify. Anyways, just don't. Just stay away from this ridiculous company.

We have spoken to multiple supervisors, inquiring if we could please have an original copy of the Release of Lien overnighted to us, at OUR EXPENSE. But that request was refused. They were so kind to send us a copy of what they supposedly sent. That is not worth the time it took to press send. We have sold the vehicle but cannot move forward with our sale until we have an original. The customer service and lack of action is a complete embarrassment to Citizens One Auto Finance.

This was a small business account. Due to both incidents I have concluded that Citizens Bank does not care at all about their customers. Once the $1000 is credited I will be closing my accounts with them and will be reviewing them negatively on every consumer protection website. I feel it a duty to warn any business or person of their terrible business practices.

I do believe the inactive account workflow could be improved to include customer email notification and talked to them about it. The representative was polite and understanding.

I appreciate the responsiveness and action taken.

Original Review: March 21, 2016

Fees charge without notifying the customer. My husband and I have multiple accounts with Citizens Bank- savings, checking, mortgage, etc. One account opened long ago was done as required. Since the mortgage was paid, that particular account has a balance in it but no real activity. Citizens has classified this account as "dormant". Their policy is to charge a fee of $5/month after the account is dormant for a specific amount of months. NO notice is sent to the customer as a warning or alert that this is about to happen or HAS happened. Our other linked accounts are active and we check them online, etc. We have been customers and have had multiple mortgages over the years as new homes were purchased. I called to explain that all of our accounts are linked and have balances more than adequate to qualify for "no fee" accounts. I was told I am not being charge an account fee but am being charge a monthly "dormant" fee.

The fact that we use all the other accounts and pay a mortgage monthly does not matter. That one account is "dormant". I then requested that they close the dormant account and waive the very fees charged of $30. They said they could only waive $10- even at the management level. While the fees charged are small, in principle I believe this is extremely poor customer service. The courtesy of sending a reminder email warning that this account was dormant and could be accessed fees would be an easy and customer focused process to put in place. I work in IT. Customer notification could be done using the email address on file with electronic banking alerts, etc.

I called the 1-800 number on the letter and after a ton of options and just stating "representative", I got a real person. It took awhile, but she got the billing issue fixed. The service rep took care of it, I hope. I did everything "by the book", returned equipment, paid his final bill immediately and then get this awful letter. They just made a bad day worse!! He was with Charter for many, many years (no other options in his area) and never had a late bill or a returned payment. How about a little research on an account before sending a nasty letter?

To receiving a bill and a late fee for my last monthly payment 15 days after I'd received a letter stating that I had paid off the loan in full (?! ), to a full hour on the phone once again today trying to clear that up with the only offer being made to me being to remove the late fee, and being told that interest had been accruing on my account since the last payoff quote since the check had not gone through and that my new payoff amount was going to be about $500.00 more.

I have finally received a convincing reassurance that this won't happen and the matter will be resolved from someone who seemed to understand the situation fully, but still have to call back in two weeks to see if it is all fixed. I will certainly never use this bank again. I never write reviews, but this experience has been so bad, and the matters at hand so important, that I thought it was important to write one in this case.

This bank could at least send you an email when you reach a certain amount in your account because at this point I lost out on approx. $80, and now do not have money to buy food for the week. I am a broke college student and am furious with how this bank handles their customers accounts. Will be canceling my card.

What happen to keeping your customer happy? I put my in their facility for their use which I am getting close to nothing in interest. We as Americans are getting killed with service fees for using our money, I am not using theirs. Do they want me to leave? If we all leave, there will be not Citizens. Let go back to keeping the customer happy or at least let be fair. If you are using my money from savings to cover checking there should only be one annual fee, this was the way it was. NO HAPPY WITH CITIZENS - LET'S LEAVE.

This is my conclusion from continuing to check on my account status. They never communicated a resolution. It also is interesting that I worked for days to get my local level to handle this and couldn't get a call or a communication, but the corporate office got involved due to the nature and origin of this complaint on Consumer Affairs. In my opinion it seems there is a lack of integration of two firms where policy and procedure are changing without effective roll out (i.e. acquisition integration chaos)

In the interest of full disclosure, one of Citizens Bank's Consumer Affairs notes asked for my phone number for contact, which I provided but unfortunately had a typographical error in it - one number was incorrect. Since the websie does not allow me to make edits to past notes - and I could not add a new message to correct the error, I made two requests of the Consumer Affairs Webmaster to make the correction for me. Did not get a response. I also will point out the Citizens Banks records will show I have been a customer with their acquired bank for decades - so they easily could have found me if they wanted - especially since they knew the credit card account to apply the reversal of the late fee.

I still maintain their electronic bill pay is NOT electronic bill pay if they continue to arbitrarily choose the method of bill payment without notifying the customer at the time of the transaction. That they got involved at all will gain them an additional star. That I never received an explanation of what happened or ANY follow-up contact at any level of Citizen's Bank is unacceptable.

Original Review: Oct. 3, 2015

Have used Citizens Bank online bill pay for years (prior they were CharterOne) with never a problem until two months in a row, I tried to pay two large credit card payments to cover a kitchen remodel ($15,000 and $13,000). Always checking my accounts and making sure bills are paid, I noticed the first month's payment of $15k was not debited from my account on the day it was due. Since I stay debt free and never pay interest, I panicked since the amount was so high. I tried many times to talk to a human being - but their horrible automated phone menu just kept taking me in circles.

But, I finally got an agent to talk to me who also talked in circles. She stated the check was sent via standard mail (i.e. a paper check that I could have written and mailed) since the amount was so high. I asked what the limit was and why this isn't communicated at the time of programming the payment on their system. She didn't know. I asked why I was not given a pop-up message about writing a paper check and the bank using standard mail service. She didn't know. Then she tried to tell me I did not give them enough lead-time in days to make the electronic payment. I explained they had 5 days to prepare for the electronic payment and stated that excuse was not even rational - to which she reverted to saying it was the amount of the check. Which is it?? She didn't know.

Adverse effect on me: I needed the credit card payment to be credited on the day I programmed the electronic payment so I could continue buying up to my credit limit for the kitchen project. I couldn't so it because it was handled with normal human posting of the paper check that was mailed, so I missed making a needed purchase since the clearing of the account took a few days.

Exactly one month later - on the same electronic payment (this time for $13,000) - after programming this THREE WEEKS before payment was programmed, and with no alerts or messages or warnings about anything, the bill did not get paid. I tried to call and could not get through to anyone so I called the branch manager (a new one this time), very upset and told him he was going to call his processing center and fix this problem because I was tired of using electronic bill pay only to have paper checks mailed by USPS. He told me I was being negative and unless I was willing to come to the branch and sit down so he could pull up the account and look at it, he could do nothing to help me, and suggested I get out of my rabbit hole of negativity. It has been two days after the due date and nothing has been done, nobody has called, and the bill has not been paid.

Adverse Impact to me: A $27.00 late fee on the credit card and accruing interest on a balance of $19,000. I am so angry at their fraudulent "electronic" bill pay service, and total lack of responsibility and accountability toward my credit record, and reputation with my credit card company that I am closing all of my accounts (about 8) totaling over $60,000. I do not know if there is another bank that is any better but I am going out to look next week with some of the checks in hand from the closed accounts with Citizens Bank. FRAUDULENT SERVICES, IRRESPONSIBLE PEOPLE, UNETHICAL BUSINESS PRACTICES.

I deposited $300 to cover overnight shortage but by 11 am two hours later the $150 in fees hit. One was for a $9 Pay Pal auto transaction which they hit me $39 fee with. Bottom line is if you set up with text alerts & monitor balance online you still have to track each & every penny in real time since they don't allow for same day deposit to cover deficit if overnight. This is a big money game for them. Also expect to give a fingerprint next time you cash a check with them even if theirs & you have plenty of id. What's next a urine specimen? Might be better than inky fingers.

Well my boyfriend woke up Thursday morning (Sept 3) to NO car! The low life towing company had come in the middle of the night and dragged the car out of our driveway! My boyfriend called their so called customer service. They would not speak to him because they said he WAS NOT on the account. Meanwhile I have written permission on the account that they ARE allowed to speak with him! He was told that notification had been sent out. I have NEVER since I've had this car loan EVER received a piece of paper from Citizens Bank! Then he was told that a note was made in their system that he WAS INFORMED that the car was in repo status. Believe me if the car was in repo status we would've borrowed money to make the payment so we wouldn't be going through this right now!

I posted a negative comment on Citizens Bank Facebook page. Someone got back to me asking that I private message them my information. I sent a private message and was told that the Chairman of the Office would be in touch. She did get in touch with us. Her name is Maria. She is trying to be very helpful but the poor girl can't even get answers for us from her OWN COMPANY!! She is totally dumbfounded as to why this happened. I once again post on Citizens Facebook page on Saturday on their incompetence. Checked on their Facebook page this morning and my post has been DELETED! I asked how to get in touch with the President, VP, CEO or CFO and got no response. I replied to other people's complaints on their Facebook wall saying good luck, that I've been dealing with the chairman of the office since last Thursday and still no answers and my responses were DELETED!!

I sent a private message to Citizens on Facebook and still have yet to receive a response. We spoke to Maria once again this morning and she still had not received a response of any kind to her emails! No one can give us any answers! We were also informed that they DO NOT have a record of our call on Aug 31st!! My boyfriend has now been out of work for 6 days now with NO income because this car was his income!! Thanks Citizens Bank for your incompetence and wonderful customer service!!

This caused the sellers to be unable to pay bills and face issues on their credit reports that will haunt them for the next 7 years which is just WRONG when they and the buyers followed every ridiculous request made by this bank. Citizens uses constant stall tactics that hurt their clients. Finally on day 84 parties signed to close and guess what? Another joke. The bank didn't fund the loan. It took a barrage of harassment by the title company to get them to finally send the money. Even involving an executive Citizens Bank throughout the process didn't help. They did not give a crap about their clients or the damage they were causing everyone. Citizens Bank is where mortgages go to die.

Although we were told that any amount deposit would qualify for the bonus by the manager accepting our money, we were later told that it had to be $500. Since it was their error, they would try to rectify the mistake and give it a case number and send it to "upper management". And that the person accepting our application would be "coached" in the process of giving valid information on promotions.

After several attempts going into two weeks to resolve the matter, we were told that their boss was busy with training and was not responding. At that point I said, "I know that issues with case numbers usually result in resolution in a matter of days, what is going on?" At that point the branch manager who previously had on his phony smile, turn to me with a stern face and a nasty tone and said, "No you don't know anything about this!" We were shocked by his response, a response that we had seen him have with another customer, and decided yesterday to withdraw all our money and close the account. Branch managers with such unprofessional attitudes should not be in the banking business. I will never do any business with or would I recommend Citizens Bank.

Also, I had a direct deposit and a PayPal fee hit my bank account and show up on my online Citizens banking account on the same day. Citizens refused to refund the fee. Bank of America has always done so with no hassle. I do not understand why Citizens can't afford to make their online banking more reliable. Why have online banking that holds back transactions until they can have them hit and get $35 dollars from you? I literally monitored my online account until 2 AM last night to make sure I didn't overdraw. I wake up at 8AM to see a transaction "magically" appear...just in time for me to overdraw my account and right before my direct deposit hit my account. I feel as though they look for ways to screw you out of money. Needless to say, I have gone through the necessary steps to close my account and can't wait to no longer have anything to do with them.

I point out this is online banking and there shouldn't be a penalty while waiting for the online transfer. Citizens told me to go into to the local branch to make the deposit if I wanted to avoid fees -- a 20 minute trip to neighboring town. Most banks are dropping their fees, like Bank Simple, Capitol One, Sun Trust, even Citi and many others. Only Citizen is charging high fees and an outrageous daily penalty fee. Try Bank Simple for simple basic banking and great support.

Second complaint. I thought a check was the same as cash so when you deposit a check you are able to use the funds. I deposited a check for $5500.00 one day and wrote a check that was cashed the same day and got charged an overdraft fee because they needed a day to process that check before the funds where available. So technically, a check is just a note for the bank to transfer funds from one account to another and they need a day to do this. The deposit was even a bank issued check from another bank but still isn't considered a cash voucher anymore. They charged me almost $40 for having the funds in the account but not available till the next day to use.

If you ask me, there is something wrong with the way banks do things now. They couldn't even hold the check I wrote to make sure my deposit I made earlier was good enough but charged me anyhow. Why do they even use checks anymore if they don't mean anything anymore but a piece of paper to act on it when they have time to do so. At least they could have called the bank right then when you deposit it to transfer the funds so you can have the money you worked hard for instead of taking every opportunity to hurt the people that put the money that they build interest being in their bank in the first place. Isn't fair and I'm sure that everyone else would agree. Someone help me get my money back please so I can go to a bank that appreciates my money in their hands. Thanks, **.

They repo'd his truck and I ended up having to borrow 2500 dollars to pay what they said he owed plus repo fees. This was in January and I thought we were squared away. Well that didn't last long because in February I got a statement in the mail saying he owed almost 1200 dollars again. I called the bank and they said that January payment hadn't been made and he owed for February. I told them we had just paid 2100 dollars to get caught up. The lady I spoke to said that some of that 2100 dollars was used to pay repo fees. So we ended up paying repo fees twice??? I was not told that I would have to do that. I paid the repo fees to the people in Lexington. Do they not work for the bank?? It was the bank that contacted them.

I was also told when the truck was repo'd that I would have 21 days to get it back, almost a week later I was informed that it was scheduled to go to the auction. Needless to say, my credit has been ruined. This has caused stress on my personal life and relationships. Money is hard to come by and I am doing all I can to make it. My son has recently joined the Army and is doing him basic training in which he will get paid. But again we don't have 1200 dollars just lying around. Our plan was for him to pay the payments for a few months to show that he could do it and then try to get a loan from a different bank and get the truck put in his name so he could establish some credit because he had none. He has the truck as of now but I don't know how long it will be before they try to repo it again. If they do, there is no way I can get it back.

Only when I told the rep I was going to shut down my savings account, my credit card, and move to a different bank did she refund $10 of the $11.50 as a "one-time courtesy". I actually thanked her for returning my own money to me. Over the years I have lost a lot more money with Citizens than I have gained in interest. Since when did your bank go from a place to store and save your money, to a place that tries to steal from you any chance that it gets?

She said I could have cancelled equity loan just had to pay $100 the year before. I told her that was the issue when I came in the year before. I told them when I paid off the loan I did not need the line of credit. Now I have this lien hanging over my head for paying off my mortgage and equity loan early. This is how they treat good customers who pay off early and on-time. No wonder they are changing their name to Citizen Bank.

It started with the normal paperwork of taxes and employment information etc., then they started to nitpick and ask me for evidence of a deposit I made and if a certain check cleared and copies and copies of stuff I had to draft letters for situations, the two kickers were 1) I had to draft a letter as to why I have lived rent free for the last year. Why is this the banks business of how I live? 2) I had to take a quiz yup - I'm 36 yrs. old and I had to take a quiz asking me mortgage and homeownership questions they asked them until I got 16 correct. I then had to print down a stupid certificate, sign it and send it to the bank to prove I had done it, REALLY!!!

I would NEVER recommend using them. I have been so stressed out, late night calls and pushy to get information - hurry, hurry, hurry. They should explain everything that you are about to go through or should I say the hell and many hours of lost time from work. Please do your homework before you ever use this bank service. As soon as I can I'm going to look to switch. And NO don't pressure me to open an account with you NEVER. With getting all of this information one of my many tasks found me at my regular bank needed to get copies. I had told them this quiz story and all they did was laugh and questions what that was about. I also have a friend that is in the process of suing Citizens Bank for holding information of hers. RUN as fast as you can...

I got home and immediately called Social Security to direct deposit my monthly check to the new account. And for the following three months I made many cash and direct deposits as well as many, many normal transactions. Now; the 90 days have more than past and my $200 incentive never materialized so I went to the branch to inquire and the manager (whose name I don't recall) he spent time looking at his computer then told me "the person that opened your account misquoted and your money will be deposited in 120 days and to return in mid February and I will personally see to the deposit." So I agreed that mistakes happen and went on my merry way with The Branch Managers "word" (my 3rd mistake)...

NOW Comes TODAY! I returned and again sat with the same manager. He again peered into his computer and they told me some NEW BS about "your account was opened in the FOURTH QUARTER, and the $200 NEW ACCOUNT INCENTIVE would not be available until "THE END OF MARCH". I complained that I was just getting a run-around, and his reply was; "You can wait or if you wish you can close your account and go to another bank".

I have just now read other complaints on this site today about Carter One (Citizens) Bank and over and over, account holders have complained about seeming misappropriation of their money either by POLICY or doubtful happen stance it is evident; This Bank Is Running A Corrupt Institution! I JUST WANT WHAT’S MINE...

On Monday I check my account and realize they charged us $105 of overdraft fees. I am sick to my stomach when I realized that they just took our money and they were the one with the faulty equipment and software. Long story short... I finally get them to agree that they took the money without justification. I was told our money will be returned within 24 hours. So now I am really upset that I have to wait another 24 hours to retrieve my money that they took unjustifiably.

Then today I check my account and realized that they sneaked in another $35 late fee from 2/2/15. When I call today the lady tells me, "you didn't have sufficient funds and that is where the charges stem." I go check our transaction and realize the reason we didn't have sufficient funds was because Charter One stole $105 that day from my account. I had to call back and explain myself again for the 8th time since 1/26/15.

This BANK is definitely a FRAUD and should be put out of BUSINESS! I have 3 savings & 2 checking accounts with Charter One for the last 10+ years. I am taking my Business elsewhere and plan to spread the WORD!!! I am going to be reimbursed the money they took from me, but I feel I must warn other hard-working people of how this bank handles their customer and their customer's money.

My job there was very time consuming, but I enjoyed what I was doing. The process for I was terminated for was changing a date on a letter, this something I had been doing for the last three years so why now after being promoted to another department am I being terminated, for a process I had been doing for the last three years? Please don't think that I am a disgruntled employee not that by far, but if you’re doing your job the way you been trained to, then you training other new employees on the same process, then you still going to have the same problem.

Let me say this, I had just went and helped the person I trained changed the date on 12 files that were incorrect and needed to be fedex to the customer but they were not concerned about those and I did this process while in my new position due to the fact that it was a mistake on my behalf and the new person didn't know what to do. So again that was the letter they were concerned about. They were talking about a document that was changed to a date for December.

Yes I was in my new position, my manager did all the fact finding. She told me I was in the system on the date in question. Yes I was. I had to pull the letter. She stated something was modified but didn't know what. She couldn't find the other letter from January. I stated, “Did I remove it?” She said, “I don't know but you can sit here and tell me.” I modified a letter but you can't see if I removed one?

I will stand by what I say always cause that is just me. So actually the process I been changing for the last three years is wrong!!! I just don't want another employee to end up like me!!! I have never been wrote up or anything since I been there, worked plenty of Saturday and overtime, never missed my goals. Like I stated, I enjoyed my job, it's the process of what happened that discourages me!

After writing my bad review, I was contacted by the chairman of the bank today. Finally someone understood my horrible experience and showed extreme empathy toward me and reversed the overdraft fee. He said people make up such excuses to try to get their fees reversed. I never realized people would make up a story God Forbid this would happen to you . I now understand why they were not willing to change the fees charged due to people calling with stories to get their money back.

I am extremely satisfied now that I spoke with the empathetic chairman and will now stay with Citizens Bank. I was explained just how the bank works with depositing money and when they actually deposit the money to the ATM verses to the teller. Thank you Peter for explaining the rules and refunding my money. Now that I know the changes, I am fully aware and this will never happen again. There are good empathetic people left in this world and that means more to me than you will ever know.

Original Review: Jan. 27, 2015

This bank has no empathy for anyone. My grandson was hit by a car and killed. I was in a fog and caused my account to overdraft. I went and deposited the money to make it correct and in the positive. They charge me $35.00 fee three days later (I didn't even know) until I received a letter. I was also charged $6.99 for 3 days. After depositing the money they charge me another $6.99, which brought me back in the negative .86 cents. They then had a pending $35.00 to take out in which when I called the supervisor said it didn't go through yet.

I just had back surgery and have no money, so I go to the store in my pajamas and deposit my last $100.00 to bring the -86 cents to positive. They did charge me the $35.00 that they said was still pending. I talked to the supervisor whom said if I would have deposited the cash in the ATM the night before, I would have been okay. I didn't know they changed their policy as for years the ATM wasn't deposited until the next business day, which if it was a weekend, it took 3 days. I don't work there and don't know this. All this would have been avoided.

They had no empathy about my grandson and didn't care and could have been understanding and removed one of the $35.00 fees. I guess because I AM NOT RICH AND DON'T HAVE A LOT OF MONEY, THEY DON'T CARE IF I STAY OR LEAVE THAT BANK. Well I have a credit union account and am running away from that place. I suggest if anyone loses a child, God Forbid, they don't care to help you knowing that I didn't know anything that was happening at that time and they didn't care. They made about $180.00 off of me with no help whatsoever. Stay away from them!!! They even looked at my account and said I never over draft and still did this to me. Never again!!!

Well the next day came around and the fees were still not reimbursed. I called and spoke with a manager named Melissa on Sunday. Melissa stated that she would look into it and give me a call the very next day. That brings us to today Monday the 10th of November. After I had been told that we would get a call back we never received one so I called. I spoke with Melissa and she advised that it was being investigated because Sandra never notated the account. They had people listening to all the calls to verify what Sandra said. My spouse got angry and called them back. She spoke with a manager named Nitinin. My wife let him know that it does not take almost a week to listen to three ten minute phone calls.

After the manager argued with my wife, my wife asked if this is how they treat all customers and veterans. The manager said nothing. My wife continued and stated that she will be calling the Attorney General because this bank is robbing their customers and not only customers but disabled veterans. At that point she hung up on the manager. We will be with drawing all of our monies and changing our direct deposit from the VA and SSDI to a different bank. I would like to warn all to stay far far away from this bank! They are thieves!!!!!

The branch that this occurred stopped communicating with me and planned a coverup. Their business practices need to be investigated along with their employees. Another Massachusetts woman had real estate proceeds stolen and she and I had the same name on our bank records. I believe my money could have been commingled and the bank knew this.. They also accepted this check of a fraudulent transfer of money. They have avoided any responsibility in this and are extremely deceptive and not transparent. I would not do business with them at all!!

This past month I was informed yet again of more fraudulent charges. Once again the bank cancelled my card and told me they would send another one in the mail. It's been almost 3 weeks now and I still haven't received the new card. Of course the bank cancelled my old card so that number no longer works on the customer service line or on the online banking website anymore. I called the customer service reps several times to inform them I never received the new card and they were all unable to locate my account unless they had the original checking account number which no one seems to have. They should have been able to ID me with my security questions or social security number, or so you would think. Now I have a debit card out there God knows where floating around and Citizens could care less that it never made it to my home. No wonder there is so much fraud and many victims suffering because they have an account with this bank! This bank should be shut down!

I Lost well over 5000.00 between fees and Citizens Bank Taking overdraft Fees! When someone finally told me from another bank that I was entitled to file a dispute, I contacted the business banking again and we stopped payment for good! However not before I Lost all this money. Now Citizens Review Board is Trying to say this is my fault and they REFUSE TO REFUND MY MONEY OR THEIR OVERDRAFTS. I will leave this bank, however in all fairness I believe Citizens owes me this 5000.00. My Attorney sent letters as well to these companies of which citizens has copies of. I turned them into the BBB. They have yet to answer to either complaint! Citizens also knows this! Aside from all of this, Citizens charges overdraft fees even when I am in a positive state. I have started to take screen shots of my online banking to prove they are Thieves as well!! Someone please help me recover my money!

The money was withdrawn in increments of $803 every couple of minutes and NO algorithm picked this up??? Very worrisome that someone posing as you can set up Online Banking over the phone. I dealt with the local bank manager on Wednesday at noon once I noticed all the fraudulent activity but it took until Friday at 3:00PM for anyone from the Fraud Department to followup with a call to me DESPITE my filing a police complaint. My local police department said that by Friday at noon, Citizens had NOT returned any of their investigative calls. The only reason the Fraud Department finally called on Friday at 3 PM I believe is because I said I wanted to followup with the Regional Supervisor.

This whole debacle does not inspire confidence in the least and the Online Banking/Phone system clearly has a very MAJOR security flaw that for some reason Citizens doesn't seem to worried about. That a random person can call in with your first/last name and last four digits of your social security number and enroll in Online Banking in minutes, give an email address, set up a user ID, and then get a temporary password, and then are good to go.

Now, Citizens bank charged me $35/per check image and $40/cash image - image that I already downloaded from my online account. I paid in fees $145 for an operation that should be available on the online account. $145!!! For a service that my bank which makes money out of my operations, probably invested let's say 15 minutes out of a customer rep time which I talked on the phone, and let's say 30 - 45 minutes to process these checks by somebody paid I am assuming around $10/hour. I really hope people will make better decision when they will open a checking account and they will not use Citizens Bank. I for one will close my account. Thank you.

I still not believe that making it your choice to put through charges from highest to lowest is a very smart thing to do. While I understand that is supposedly relieves some risk from Citizens Bank I feel in my heart that it is simply a money making machine. I understand that banks can no longer charge to have accounts and they try to make up the money other ways. But please be reasonable and everyone can get along just fine. We are technically human here.

Original Review: June 13, 2014

Citizens Bank is out of control with the fees. Someone seriously needs to do something about this. I had three transactions pending the same day my check was deposited. They charged me $105.00 in fees. When I called about the problem, the customer service person was nice but I asked to speak with her supervisor. The man was extremely rude and refuse to help in any way, shape or form. He simply told me they lost money and I deserved to be charged fees. He continued to be rude and refused to even forgive one fee. So I asked him if he still got a paycheck this week. Someone else needs to file a lawsuit against this company. They are out of control and their commercials are all lies.

Lo and behold, I was hit with fees the next day and immediately called the branch where I opened my account in Plymouth, Michigan. The clerk told me that "no", I would not be assessed fees as I had transferred money into the account. I let it go until today but I was clearly assessed two fees. I was told that I was not credited the transfer "right away" and no one is able to tell me what time the checks cleared or when they decided to "credit" my transfer. I have asked repeatedly why my online statement then did not reflect a shortage on the evening of 6/9, if there was one, and was told, "I don't have an answer for that". They don't have an answer because they took fees even though I had enough money in the account to cover the transactions.

I have found that if Charter One can hit you with fees, they will. They manipulate debits and credits so that they can take all of the fees they can. I have a request to see if I can get to the bottom of this but I don't expect much help. Their staff and management told me to take my business elsewhere if I was unhappy. Their mission statement is a joke and I will be happy to move my banking elsewhere. I do not normally complain but I just want to get the word out that others need to be careful,. This institution is run in a questionable manner. They were recently involved in a class action lawsuit for this issue and had to award customers fee rebates. They obviously have not learned their lesson.

A couple of days later when my pay check was direct deposited into my account my Available Balance was -1900$. So I went up, and spoke to the manager and she called up the fraud department, and got everything straightened out. She said I would have to pay a 26$ fee because the check was returned. I didn't really care about that.

Three days later I am at walmart trying to purchase groceries for my family, and my card doesn't work. I check the phone app and, I have a very healthy balance. So I call up the bank, and after 30 minutes of getting bounced between people, they tell me my account was cancelled because of the returned check. And that I can go to a branch to withdrawal my money. I'm extremely pissed at this point, and I plan on going up the branch on my lunch break and screaming at the manager.

Apparently, my account was never closed and they claim that I still owe them money. They call me while at work, do not leave a voice message, and when I call the number back, the number leads to nothing more than an answering machine asking me if I would like to make a payment. I am not able to talk to an actual human. The only time I was able to talk to an actual person was when they actually called me while I was on break so I was able to answer. They simply read from a script, told me I still owed them the money, and had no idea as to what I was talking about when I told them about the supposed and final payment I made back in the summer. They were completely perplexed as to why I suddenly paid them so much more money one month as opposed to the normal monthly payments I was making. The call ended with them saying that a supervisor would call me back. Instead, they continue to call me from the same number while I'm at work with no way for me to get back to them. I loathe this bank. I am paying for my ex's criminal activities and my bank's negligence. This is fun.

They clear the most expensive debit transactions first (they say the rationale is that they assume those transactions are the most important to you, so they want to be sure they go through - which makes no sense because all your pending debit transactions will go through if they were approved at the point of sale). This strategy makes it easy to prey on those who are close to overdrawing. For instance, if you might have lost track of your account balance (likely because Charter One was reporting it to you inaccurately to start with) and overspent with a larger transaction that overdrew your checking account, instead of just paying the overdraft fee for this transaction, the bank switches around the fees so this last, most expensive transaction clears first - making all of the other smaller transactions you made prior overdraw your account one right after the other. That means instead of just one overdraft fee, you often end up with several piled on top of each other all at once.

To make matters worse, their overdraft fees are very expensive - they average at around $33 and can get into the $40 range. And once your account is negative, they continue to charge you an additional fee every few days or so for it being negative. A friend of mine purchased a $5 hamburger that he did not realize he did not have the money to cover (due to inaccurate balance reporting). The hamburger overdrew his account, but by the time the transactions had been switched around and all of the fees had been piled on, within a week or so he owed about $300 in fees for what should have been a $5 overdraw that at a normal bank would just have incurred one $25 fee. They also often hold payroll checks that should instantly be made available or money will appear to be available in your online banking but will still have a hold on it (and you will get charged overdraft fees for trying to use it). I could go on and on but I (and my friend) ended up leaving after spending thousands in ridiculous fees and haven't looked back or had any issues at any banks since.

Soon, weeks turned into months. In January 2013, we were told that the underwriters had the application, but that he (Jon **) would talk to them and speed up the process. Throughout the months of January, February, March, April and May, we heard nothing, but we were reassured that we would get the loan. Did they stop calling? No, they needed more of the same, more pay stubs, tax info, and our social security number. What happened to the information we already submitted?

As advised by my lawyer, we withdrew the application and asked for our application fee back. Jon is deliberately ignoring me. Even the branch in which we applied said they would look into the matter. We never heard back. I think their practices are very deceitful and warrant a class action suit.

I have requested a printout to see if my suspicion is correct. My account is constantly bouncing for no reason. I have always trusted the banks but the people who work there are not trustworthy especially when you deposit cash. I opened another checking account and made a deposit of $100 just to keep it open. I ordered checks three (3) months ago and I have not received it. Someone took money from my account and it became negative. Who is withdrawing money from my account without my permission? I went to another branch and I was told that I was charged twice for the checks I ordered that I never received. No matter how busy I am, I will always find time to check everything specially my hard-earned money. I need help to get my money back and the correct amount and correct date when my money is deposited. I need to get my trust back. I have used this bank for several years and always have questions in my mind about the people who works at this bank.

Finally, I asked a printout and discovered that the cash I deposited was not the correct amount on the hard copy although on my receipt shows the correct amount. In another branch, an assistant manager said to me that in order to open a checking account, I must pay $475 and I did. I gave her the cash of $475, but later on, I went to another bank to open a checking account and they told me that I must pay the $475 that I owe in order to open a checking account. It means that the money I gave the assistant manager was not used to pay the money I owed. It was still showing as still owed even after she opened a checking account for me. I want the $475 that she took from me. I need help to get all these money that were taken from my accounts. I need help. There were several times my checking bounced for no reason and my accounts constantly get charged for the bounced checks.

What truly bothers me as I pointed out to a manager when I had to leave work to bring her to the bank is this teller did not even have compassion to ask the elderly woman to go to the manager and maybe as a human being, try to work something out for her. What bothers me to no end is how many other elderly folk does this happen to? My mother is lucky she has family looking out for her - what if someone else doesn't? And they do not know what to do or who to talk to? We are going to change banks this week because of this very bad experience.

When we complained, we were told that "60 Days had passed, and no appeals were permitted" anymore. What a different tune when they were hit with a class action suit challenging the "60 Day Rule". RBS/Charter One was, and is deceptive in their practices .They now face fines in the hundreds of millions in another scandal, where they attempted to manipulate the LIBOR rate. So much for the friendly local banker.

Every one of your Charter One drive-thru and teller stations should have the hello block letters like the one on Howe Avenue in Cuyahoga Falls. What a great way to greet your customers right off the bat! I bought a set of those blocks for my window sill at work. I love them! I am a very friendly person, so they fit my office perfectly. They should be in all your locations as your personal bank trademark!

On June 7, 2012, I made a call to Charter One Customer Service at 877-242-7837 for information regarding my checking account balance. The automated system indicated the balance was “$520.41, overdrawn”. This information was so extremely shocking to me, that I nearly passed out. I had dutifully checked my Charter One Checking balance prior to making every purchase I made since 5/27/12. I was diligent and determined to make sure I didn’t spend more money than was available.

The inquiry I made on 6/7/12 was in fact the third time I checked the account balance since 6/3/12. When I received this information from the automated system, I immediately requested transfer to a customer service representative. He attempted to explain the Charter One assault on my checking account by going back and forward from 6/5/12 and 6/3/12 transactions.

I was so distraught after speaking with the customer service representative that I couldn’t eat lunch and went to the Bank Branch Office near my job instead. There, the during a phone call, the branch manager who is generally extremely accommodating was provided with the same convoluted information I had been given. Since I was already too upset to be civil with her if she intended to repeat what I had already been told; I asked her not to say to me what I could hear being conveyed to her on the phone.

I filed a complaint with the branch manager; asserting that I was provided with inaccurate balance information on 6/5/12 which resulted in my account being over drawn and the bank piling up NSF fees one on top of the other, seemingly with ardor. It certainly appears that the misinformation, inaccurate balance information was intentional; given that the transaction which supposedly caused the deficit in my account balance occurred on 6/3/12. Different bank employees stated over and over again that the merchant submitted the claim or requested payment for the 6/3/12 transaction after my balance inquiry on 6/5/12.

I know that the merchant immediately submitted the $ 378.__ request for payment to Charter One and the transaction cleared Charter One on 6/3/12. I checked with the merchant while I was sitting in the Charter One Branch Office on 6/7/12. I know, therefore that information regarding the 6/3/12 transaction was available to Charter One when I checked my account balance on 6/5/12, prior to assessment of a $22.00 NSF fee and prior to making additional purchases, and assessment of mounting NSF fees.

I did not hear from Charter One regarding my complaint until, 6/11/12 when the branch manager near my home called to make the same assertion that the customer service representative had made on 6/7/12. She added that if I authorized the purchases made on 6/5/12 and thereafter the issue was not a bank problem. She referred me to customer service for information regarding the phone calls I had made to check my account balance prior the 6/5/12 purchase.

Upon speaking to the customer service manager, I learned that Charter One was able to determine exactly what time on Tuesday morning 6/5/12, my debit card was presented for payment to the “merchant”. The manager, however, continued to assert that Charter One is not responsible for the inaccurate account balance information provided by Charter One immediately prior to my presenting the debit card for the purchase which caused my account to be overdrawn. The 6/3/12, merchant’s request for payment came in immediately after or simultaneously with the 6/5/12 presentation of my debit card purchase, he said. Additionally, he advised that although Charter One can never be held responsible for the reliability of information provided by the automated system, or by customer service representatives, the available account balance is offered as a service to customers who should “always maintain very rigorous records of checking account transactions.”

Please know that I consider all that is described herein an insult and deliberate, unscrupulous behavior on the part of Charter One to fraudulently collect fees. A similar incident occurred with Charter One several years ago that caused me to stop writing checks on my Charter One account. Apparently, the person or people who managed my account noticed I was writing checks to pay my tithes and suddenly checks started bouncing. Supposedly, this situation occurred because a merchant, such as a utility company, held the payment I submitted more than a month earlier until there were insufficient funds in my account to cover the check. And although I had physically been in the bank conducting transactions, I was not notified of the account deficit and charged sustained overdraft fees.

This most recent assault is it for me, I feel as though someone, an envious, devious individual who is unprincipled and crafty on behave of Charter One watches my account for an opportunity to “take some for the team”. I have already begun closing my Charter One accounts and when it is convenient for me I will take all of my banking business somewhere else.

Since it has been in the hands of the Bank of Scotland, it has gone to hell with all the fees and no customer service. I am in the process of switching all nine accounts I have with Charter One. Some of them I have had with them for 18 years. I am going with a home town American-owned credit union. I am so tired of these overseas companies taking my hard earned money. I hope that others will follow and stay American and stop supporting overseas companies. That is why our country will soon be owned and operated by everyone but Americans. Please God, bless America while we're still America!

Last week, I went to trade it in my car and told that I need the title. Instead of waiting for the bank, I went to NJ MVC to get a duplicate one at a cost of sixty dollars to speed up the process. MVC told me that Citizens Bank still holds a lien against me from two years ago. I find this very disturbing and went to the local branch in Haddon Hts, NJ and they told me it's paid off, but that they have had similar complaints from customers in the past. They put me on the phone with a subcontractor who handles the auto finance, who said yes your car is paid off, but you need to pay MVC/DMV their fee, but only after you provide us with a credit card so we can charge you another fee for giving you a letter saying you paid off your loan. I said no way.

Eventually, customer service at the local bank helped and said I will have a faxed letter showing the lien is paid off with in two days. Two days went by and they told me it was entered wrong and give them a few more days. A few more days went by and they told me they can't help and I have to call this third party company they use and speak with Rita **, who then tells me it's my fault they never dropped the lien because I never answered a questionnaire they say they sent out two years ago and she will need a credit card to bill me for her services before she can help me, and then tells me she'll call me later. Help someone. They mess up and want to charge me, and I would actually pay the fee at this point but they tell me after I pay this fee to get a copy of a letter that they will mail it out in 7-10 days. What awful service.

Rather than argue, the check is in the mail. We can't refinance our first mortgage (in process) until this matter is closed. Undoubtedly, interest fees on principal only payments over five years and most recent false information provided have cost us financially.

After work on this Friday, I went to Citizens Bank on Hartford Avenue in Johnston, RI. I had about one hour to withdraw the money and go to Sovereign Bank in Providence and pay down the loan. I went to the teller with a withdrawal slip. She came back and told me the money was not available. I told her that the Providence teller said it was.

I called my wife at work and asked her why there was no money. She said she was just at the bank yesterday and that the teller said it was there. I asked the teller to talk to my wife. She said she can't talk on cell phones. I understood and asked to see the manager. I sat and watched the teller go over to the manager and tell her the situation. The manager spent the next 25 minutes eating her sandwich and talking to a fellow employee. Now I have 30 minutes to get the money and go to Providence. After a half hour of having me sit there like a fool, the teller, not the manager, came to me and said she was sorry and that there's nothing she can do.

I immediately called my wife. She had to leave work, go to the Providence branch, and inform the teller of the problem while I drove to meet her there. The teller said she has no idea why they couldn't help you, gave her the money we needed, and we were on our way with about 5 minutes to spare. This was an absolute outrage. Not only was that manager inconsiderate, but she was downright lazy.

Upon realizing this subtle change, I joined Sovereign Bank. Citizens had dropped almost all free ATM machines except a gas station and one or two others while the previously free ones were to be called "foreign ATM or $3 ATM'S". If there were an overdraft, it was put through more than once so that the fee could be charged in multiples.

Other new innovative ways of robbing the customers such as selective payments on auto pays prevented me from closing out on this ruthless bank due to rules like if any activity extended my involvement as a member of the bank for another month such as a last check through auto pay or a bill from some utility that took longer through auto pay to cancel. Hence, still a prisoner of Citizens. I will never again, nor would I suggest Citizens Bank.

Funny we were not informed of this information, when we came in person to talk to the branch manager, Terri, in November. We waited until January 1, and called Terri once again, and she informed us she would submit our credit card application. Again, we heard no response. I called the branch, and Chuck informed me we got reined, because we have to be open for 13 months. Mind you, we are being charged fees, because of the bank holding deposits, and clearing checks all at the same time, to purposely put our account in the negative. Not once noticing us, or Ken, Terri, or Chuck to offer any assistance with overdraft protection. We have not actually been told that they cannot hep me with any banking products or procedures that can help consumers like me!

We can be continually charged astronomical fees, which causes is to be unable to maintain a business, and pay our business and personal bills! I have gone as far as calling Joe, Terri's boss, and have also gotten absolutely nowhere in receiving a response. I want all of the fees returned. Absolutely poor customer service, and unethical business practice, are what Charter One Bank provides.

In January, they charged me again $2,199.36 in fees in one shot. I went to the bank and they said that these are overdraft fees for December and that the charge in December, they figured out that it was for November's overdraft. I was not overdrawn so much but they were not clearing my deposits and even though I had money in the account, they said that it was not available and that my fees from $37 per transaction went up to about $45 plus some other fee per day when money was not available (in the account, but not there). We said that we made a mistake and since the account is different, we will watch for this. We were even aware and knew that in February 15 we were going to be charged for being made negative from the $2,199.26 in January and willing to let it slide.

However, this morning, they charged us the $4,483.31 from December again after barely recovering from all the other fees and we will probably be charged more in couple of days and more in March because the $4,483.31 overdrew our account by $2,018. We are a very small business and we are barely surviving. There is no way to afford the over $10,000 charged so far and what is going to still come. I am suing in the morning. Is there any way to make this a class action suit? I have just seen on TV that there was Bank of America who paid $410 million in restoration for unfair practices. There are also other banks involved for a total of $110 million. I just want my money back. Nothing else.

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

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

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

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

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

This is damaging my credit record as well as preventing me to open a bank account due to these charges. I have exhausted all means to contact Charter One and need assistance in resolving this issue.

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

In addition, at this point we have entered into a state of retaliation from Charter One/Citizens Bank, which is also a federal offense punishable up to 100,000 and/or 5-year imprisonment because they are an organization with a federal contract. Furthermore, I have clearly identified myself to everyone I have spoken with to date as a Federal Contract Compliance Investigator. Therefore, it makes Charter One/Citizens Bank retaliation a federal offence because they have retaliated against a known federal employee. There are also emails and faxes to prove this, if needed. I don’t care if this takes the next 20 years. I am only seeking justice and will monitor every aspect of Charter One/Citizens Bank until this case is resolved in full to my satisfaction!

This 25-page fax was sent to Brenda, who claimed to be the manager of Citizens/Charter One Bank recovery department, which our solicitor’s office will be providing a full report on the chain of events surrounding today’s actions, conversations, and communication. And the chain of events is as follows:

Today, April 20, 2011, at 2:50 PM, Sarah from BYL Collections called my phone at ** and left a message for Exavier **. While the message indicated not to listen to it if I was not Exavier **, I did because they should not have called my phone! They stated they called in efforts of collecting a debit on behalf of Charter One/Citizens Bank in the amount of $314.18. Sarah went on to provide a file number of **, her name and a call back number of 877-277-5958, ext. 8129 and requested a call back.

Today, April 20, 2011, at 2:57 PM, Sarah from BYL Collections called my phone at ** and left a message for Carol **. She stated they called in efforts of collecting a debit on behalf of Charter One/Citizens Bank in the amount of $314.18. Sarah went on to provide a file number of **, her name and a call back number of 877-277-5958, ext. 8129 and requested a call back.

After receiving the call, I immediately got my boss who got our legal department involved and requested that I call the bank immediately to address the matter with them presently, which I did and in my communication I informed Keith, Mike, and Brenda that I had the Federal legal department present as witnesses and for guidance. Keith had an issue and requested to transfer me, Mike attempted to argue with me and I pointed out to him that I had my legal defense there and the call was being recorded. At that time he indicated he was getting a supervisor. Communication with Charter One/Citizens Bank outlined below:

Today, April 20, 2011, at 3:21 PM, I called Charter One/Citizens Bank which I initially got Keith. After explaining who I had present on the call and that the call was recorded by the Federal Department of Labor, Keith requested to transfer my call to a supervisor. However, Keith transferred my call to Mike. I asked for clarification purposed if that he was a supervisor and Mike indicated he was not. I explained I would only speak with a supervisor or manager because in a court of law Mike could not be held accountable. Mike then indicated he needed to know the nature of my call. I explained everything that is in the attached letter to include today’s chain of events and Mike proceeded to handle the call himself. I became irate and would not allow Mike a chance to speak to me and demanded either he put a member of leadership on the phone or I file a suit! Mike laughed and said good luck with that. Again, federal solicitors were present as witnesses (5 witnesses were present in total).

Shortly after Mike and mine’s altercation, Mike got Brenda on the line who asked which charged off account was I referring to. I indicated that if there was another one they had not notified me and that I had just checked my accounts and they seem to be in good standing. Brenda further indicated that I had a charged off account joint with Eric that was recent. Per the attorneys present, I asked for the account number. Brenda could not render one. I moved on to address the issue I called about and Brenda indicated that the file number is incorrect. I advised her that I don’t work for Charter One/Citizens Bank or BYL and that was given to me. So if was wrong, I pointed out that was another federal offense. I further advised her that I only contacted her to further build my case for a class action against them and she said that was fine. She went on to tell me that to date the charged off account still had not been paid, yet I have a receipt from ACS indicating the account was paid on January 18, 2011 at 8:43 PM and a printed off version of my account that Charter One/Citizens Bank took the funds from on March 7, 2011. Unauthorized, since I had already paid the account on January 18, 2011. I further explained and attempted to play the recording from Ms. ** indicating that the recovery department would not allow her to update my account with the provided information and that she was instructed not to resolve my issues under any circumstances!

Brenda dismissed the message, indicating Ms. ** did not work for them (Charter One/Citizens Bank). I further provided all of her numbers (fax and phone) and Brenda went on to say that Ms. ** was not acting with the authority of Charter One/Citizens Bank.

In addition, Brenda went on to indicate to me that I had filed several complaints with the branch manager, Ms. **, and if I had addressed this matter with so many people. Why didn’t Ms. ** pick up the phone and call them to resolve the matter before it got to this point. I responded indicating that Penny of Ms. ** indicated they had, which was the result of Ms. **’s call. Brenda indicated that they have never heard from Ms. **, Penny, Ms. **, or Ms. **. I advised that I was faxing all letters, read receipts, and the proof of payment receipt that I have rendered to every individual listed to include 3 others on numerous occasions.

In closing, I also advised that I was launching a law suit against them and I was contacting the OCC to advise Charter One/Citizens Bank lied and to help them with a class action suit against them. Brenda indicated do what you wish, that is your right! Call was disconnected, fax was sent, and recorded conversations were pulled and will be sent to your office along with a memo of case proceedings, witness statements, documentation, and all receipts again.

And as stated to Brenda, to date I have not heard from not one individual from Charter One/Citizens Bank since my complaint. They lied in indicating they have contacted me and I was fine with the agreement. There is no agreement and at this point since the debit is still in collections as of today, I am not interested in an agreement. I would like to take legal action and I request that you please work with our solicitor’s office in beginning legal proceedings. As a Contract Compliance Investigator, I have reviewed the case entirely to include pulling all of Charter One/Citizens Bank federal contracts and our documentation will show several federal violations in which your office must act on with our prejudice.

Thanking you in advance for your prompt attention and assistance in this matter.

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

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

Now I have already called the gift card line they gave me at 888-642-7710, ext. 1030 and was told my order was received and card was being mailed. That was about five weeks ago.

This is nothing but false advertisement to make money. I refuse to pay another $198/month for their services and they need to be investigated on how many more scams they have pulled.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

That was only the beginning. A short time later, Charter One opted to run each transaction through a second time! Not the vendors, folks. Charter One took it upon themselves to run the transactions through a second time, knowing full well that the money wasn't available. Apparently, the "system" is automated to do that in order to generate more fees for the bank. That's right. That is a direct quote from the bank manager, Kevin, was, "Mr. **, how else do you expect us to make money?"

I pleaded with him and Charter One customer service, on behalf of common decency, that over $400 in overdraft fees is well beyond a reasonable amount and that loan sharks have better rates. What did Charter One do for me while I was gone overseas? Why, they began charging me $6.99 each day. I didn't pay! Never mind, I was out of the country with no idea that this was happening! Did they relent with any compassion, whatsoever? Absolutely not! Instead, they assured me that they would continue to charge me every single day! For what? They called it a "service fee".

For what, I asked. The $400 plus dollars wasn't enough? As far as I am concerned, Charter One and the people that work for them have financially raped my account. Shame on me for ever lying in bed with this "economic harlot" that would feign responsible financial services. I will make it my life's ambition to see to it that no one I can dissuade will ever bank at that institution again. I have never heard of such callous business practice since the Chase Bank practices during the Second Great War with the Germans. Honestly, I would expect to be penalized. I just never thought I would have my legs symbolically broken.

At one time, a $39 fee was rebated by them, only to be replaced with a $35 fee. It is egregious that I would be charged over $198 in fees for overdrawing $16.85. The company has conducted themselves very poorly. "Donna" from collections was especially rude and confrontational and hung up on me twice. Charter One Bank has kicked me when I was down. I explained to Charter One several times that I was going through financial hardship and was willing to pay a fee, but they would not work with me at all. I would be more than willing to pay the $16.85 that I owe Charter One, plus one NSF fee of $39, but they refuse to even consider my offer.

In closing, Charter One has unethical business practices. They are unscrupulous in their fee-charging and business practices. Charter One is a company not concerned in the least with its customers, only its bottom line. I was more than willing to work with Charter One, but they only threatened me with collections and negative consequences. I have never in my life dealt with such a callous, malevolent, unfriendly, unprofessional, greedy, and careless entity in my life as Citizen's bank also known as Charter One. I now cannot have a bank account or savings account. Charter One is sending me to collections when I'm already reeling from the loss of my home due to losing my job. Charter one is harassing me and affecting my future. Charter One is trying hard to dupe me out of my hard earned money.

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

After I witnessed the merchant's unscrupulous methods of providing me the software (via an unsafe download with no CD copy of the software), I decided to immediately cancel the order. However, the merchant is based in Asia and their methods of communication were limited. I utilized their online correspondence method and I sent them the note to immediately cancel the order. However, they delayed the inevitable and never refunded my money. Instead, they played as if they provided me with my product and took my money. Their website is: Only4Soft.com.

I took the matter up with PayPal at first due to the fact that the transaction was initiated through PayPal. I trusted PayPal to be a safe online mediator of electronic transactions conducted online. However, to my dismay, PayPal did nothing. Instead, PayPal advocated for the merchant and said that the merchant was also a customer of theirs.

Apparently, PayPal also mentioned that since the purchase was for a said download, they would not protect me and get me my money back. PayPal attempted to justify that they do not cover non-tangible goods, such as downloads. However, I explained to PayPal that I simply wish to cancel the transaction and I took nothing from the merchant, nor did I receive anything from the merchant.

PayPal still chose to do nothing and I go absolutely nowhere with them. So, I decided to contact my bank since the purchase was made with my debit card linked to my checking account. My current bank is Citizens Bank and I provided them with full details of the situation. I requested that they act on my behalf to get me my money back, but they put me through a horrible ordeal.

To make a long story short, Citizens Bank had me go through lengthy and drawn-out measures, only for them to mistreat me in the long run. They had me fill out an affidavit that did nothing to get me my money back. Citizens Bank trifled with the transaction, caused me much pain and suffering, and still to date, I do not have my money back in my account. I spoke with numerous representatives on all different levels of the bank's hierarchy, yet they all advocated doing what has been in the best interest of Citizens Bank.

The matter has even gotten so bad that I could not even resolve it on a branch level. I attempted to do so at my local branch where I opened the account, but the branch manager only made matters worse. Eventually, the branch manager did not want to do her job to assist me any longer, so she contacted the local police to make it seem as though I was harassing her and behaving in a hostile and criminal fashion. And, the local police ordered me not to go to the branch or call there anymore, even though it is the branch where I opened my account and is closest to me. All of the other branches are pretty far in distance from where I live.

Citizens Bank has since compromised my account, took my money and put a hold on my account, so I can no longer access my money. They have caused me much financial distress, while at the same time tried to ruin my reputation as a law-abiding citizen. How ironic is it that Citizens Bank would do this to me?

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

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

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