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1.6 399 Reviews

Citizens Bank Complaints Summary

55 Resolved
344 Unresolved
Our verdict: With Citizens Bank's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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Citizens Bank reviews & complaints 399

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6:49 pm EST
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Citizens Bank balance transfer fees

I recently went to citizens bank to open another account. They took an awful lot of time to push me to open a new credit card with them. I saw minh binh luu at the brighton mass location. He definitely gave me lousy advice to transfer a balance... With 0% interest. He never mentioned the balance transfer feeeeeeeees. I already have another line of credit with very low interest. I went back to the bank. They wouldnt help me. I spent 45 min on one call and another 30 min. On another call. I wanted the fee waived. It wouldnt hurt them to waive the fee. I am a very good long time customer which they do not care at all about. When I had a big problem with capital one, they actually gave me money! For my troubles. I was very upset, and they actually did something about it. I cancelled my credit card at citizens and they certainly did not care at all. Do not get a citizens bank credit card... There is no customer service at alllllllllllllllllll.

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used to like Citizens Bank
Arlington, US
Aug 19, 2023 10:06 am EDT

Citizens had exemplary customer service over the last 14 years - suddenly all the staffs changed at branches, and customers are treated as invading enemies. It is deplorable.

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11:08 am EDT
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Citizens Bank ripping me off

i have an overdraft fee i tried to pay my id is expired .the teller would not accept my deposit therefore untill i get a new id my account will increase in overdraft i was tring to deposit not withdraw ive never heard of such a scam

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used to like Citizens Bank
Arlington, US
Aug 19, 2023 10:14 am EDT

what they are calling 'security' is a FARCE!RMCV provided a letter stating my new license had been lost in the mail and a duplicate was being made; they even provided a temp for me to be able to access my account at Citizens.

Citizens Arlington- both branches REFUSED any access to my own accounts, even with letters from RMV.

Citizens might remember that long time customers in good standing did not become criminals overnight. There is a line between upholding security standards while still treating people HUMANELY.

The Boston branch was supportive and helped me, but the 'rules of engagement' have changed. It is not a good bank for customer relations anymore - they are either unprofessional or insensitively rude. They seem to relish humiliating and power trips than establishing good relations with the local community.

Fortunately, what goes around, comes around.

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warren c
McDonald, US
Feb 27, 2013 4:48 pm EST
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i called citizens bank for a payoff letter for my home owners loan and my home equity line of credit at the same time. they sent the one for my home owners loan but not my home equity line. so i called citizens bank to find out where the other letter was, and they said that it was never requested. i have to close in 2 days, but citizens bank would not fax the letter without a $25 dollar fee. even though citizens bank made the mistake, they refused to correct it without a $25. fee. i talked to steffani @ the call office in North Carolina and to a supervisor in Pennsylvania named brandi. neither of them would make any effort to correct the situation without a $25. fee. does citizens bank need the money that bad? i also promised to close a business account that i still have with them, which i will do promptly. they failed miserably at customer satisfaction. i would not recommend them to anyone.

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10:01 am EDT
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Citizens Bank customer satisfaction survey

I was asked to complete a customer service survey. I completed about 50% of the survey and was interrupted by a telephone call. The site 'timed out' and erased the work I did. This is just one of many problems I have had with this bank. If it weren't located next door, I'd take my business to a different bank.

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7:43 pm EDT
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Citizens Bank bank fraud

I had no complaints on Citizens bank, that is until I closed my account.
So, 2 months ago I closed my account, 2 months later I received a letter saying that I own them money. I called in a confusion, after two hours and 5 different people, I got the whole story. Apparently, I enrolled in the overdraft protection back in 2007 or something. Now, at the time I enrolled, it didn't have an annual fee. But, apparently at some point, they started to charge annual fee...which I had no knowledge of what so ever. When I close my account, apparently I didn't close the overdraft protection program, and the annual fee is slap on my face. Since, I took all my money out when I close the account, they couldn't take any money out of my account, now they decided they want to charge me interest on it ($20 a month). I got a letter 2 months later, saying that I own 70 some dollars...I tried to reason with them, because 1. I have no knowledge of the annual fee. 2. I don't understand why they didn't close overdraft-protection program when I close my account. 3. I didn't receive any statement for money, until now. so why should I pay for the interest?
The customer service refuse to do anything to help...So i either have to pay them all the money, or they will keep billing me with more interest every month.
What a F****UP bank!

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used to like Citizens Bank
Arlington, US
Aug 19, 2023 10:16 am EDT

Citizens MOTTO: always attack the customer for money first...

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7:01 pm EDT
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Citizens Bank overdrafts - atm deposits don't clear

I keep threatening to leave and switch to another bank... why don't I have the guts to actually do it?!? Citizens routinely screws me over and steals my hard-earned money and I somehow am too freaked out by the giant task of switching banks that I let them continue to rob and beat me.

I don't understand how their practices of altering "posting" & "clearing" dates can possibly be legal... They find ways to post things out of order just so you drop below $0 with the possibility of having the most items post/clear after $0 to rack up as many overdraft fees as possible. Great, my account is below $0 already, I'm living check to check, and now I've got close to $200 in fees? Way to go Billion dollar conglomerate, way to make the working man feel real good about themselves! I didn't need to eat this week... They are dishonest, lacking compassion, have terrible customer service, and are money hungry.

A warning as well: when you are attempting to cover a check, bill, etc. by making an after-hours deposit for the next morning, do NOT do it at the ATM. Put it in that drop-box instead, as the ATM envelopes apparently do not get picked up everyday! REALLY! The employees are too lazy to walk outside to get the envelopes to deposit our money to make sure our checks, bills don't bounce, so that they can once again charge us ANOTHER FEE! Think they planned that? Yup...

So, have I finally had enough to switch all my bills, all my direct deposits/withdrawals, and all that jazz?!? I think my time has finally come after 15 years, it's over Citizens, it's over!

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Gus McCoy
, US
Oct 06, 2014 7:54 pm EDT

I get overdraft, he make fradulent chchecheck - everyone knows its for girls!

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7:00 am EDT

Citizens Bank citizen's bad decision embarrassed me and made a whole team of workers have to wait an additional day to be paid

I have long felt that I wasn't getting sufficient services, but now that they are tacking on more charges, the services are worse not better. Now I am charged for overdraft protection annually, plus $5/day plus interest, however, when I wrote a check for a service man, exceeding my balance in one account by a couple of dollars, I was not notified so I could move money, nor did they use my overdraft. Instead, they sent my worker away without money, when he needed to pay his workers from my check. Citizen's bad decision embarrassed me and made a whole team of workers have to wait an additional day to be paid.

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used to like Citizens Bank
Arlington, US
Aug 19, 2023 10:18 am EDT

Thank you SFCAJOHN of N Providence, US!

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SFCAJOHN
North Providence, US
Aug 18, 2010 8:36 am EDT

I strongly urge you to file a complaint with the OCC -comptroller of the currency - just visit them at www.occ.treas.gov Tab to Consumer Complaint and Assistance. They have an easy on-line form. Your're problem may not be resolved to your satisfaction, but at least you didn't that this major misjudgment by Citizens laying down.

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Citizens Bank Overdraft and service charge fees

I have been a customer of Citizen's Bank for about 13 years. Last year, I had to file bankruptcy, so of course, my overdraft line of credit was taken away. I have been struggling ever since. In the last year (and as of today for the last time, I am closing my account and have opened one with INGDirect (great people) and a local Credit Union (who have told me quite a few customers have gone from Citizen's to their institution). I have been charged over $350 in overdraft fees. I am a single mother on a single income (dad is on deadbeat dad list). I have been trying to keep afloat and have called Citizen's Bank and tried to explain to them that one big overdraft charge leads me to more overdrafts (one charge was for $178 in overdraft fees, when the check was for $214 and a McDonald's for $6)! I have vowed to submit these complaints whenever and wherever I can. I was told that they can charge me whatever they want. I hope that this bank gets their just deserts. They are a bunch of crooks.

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Citizens Bank fraud

I have been battling with Citizens Bank for a considerable amount of time involving a fraudulent debit card transaction that was done online on April 16, 2010. I made the mistake of purchasing an Operating System from a website that I believed at the time of the purchase, was legitimate. The amount of the purchase was for $129.99.

After I witnessed the merchants 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: www.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, that 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?

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8:35 pm EDT

Citizens Bank citizens bank charged $74 in overdraft fees for a $35 recurring item

Citizens Bank charged $74 in overdraft fees for a $35 recurring item that was presented against a balance of $27.98, a $7.02 overdraft. That is a 1, 054% transaction fee!

The $35 item should not have even been honored in the first place, because it was for a debit transaction on a card that had been canceled. Citizens Bank decided to drop MasterCard and forced me to switch to Visa, and I had started to use the Visa debit card weeks before. So the transaction should never have been honored.

When I explained all of this and that I wanted to have the charges taken off my account by two different members of Citizen Bank's call center group in Ashville, North Carolina, they said there is no way they would reverse the charges.

Both customer service people, Shauna Payne and Ryan Walkenshaw, identified themselves as "Supervisors." It appears that is part of Citizens’ strategy – everyone is a supervisor so there is no one available to transfer calls to. They each refused to let me talk to anyone else to escalate the situation.

The conversations were being recorded. They both said they would be happy to leave a message with someone to call me back, but there is no way that the overdraft fees would be waived by anyone at Citizens Bank.

I told them if they cannot get me a manager to speak with today, they need to put the funds back in the account today and we can resolve the issue when they call me back. I told them that I had made a deposit in the account to pay an important bill, and the $74 that they took out brought the balance down to a point where there is not enough to cover the payment. They both said that was not their problem.

Shauna Payne kept talking over everything I said. At the end of the call, she claimed she would transfer me to a manager's voice mail, and transferred me to a disconnected Verizon mobile phone.

I can't imagine how they can get away with this. Think twice before opening ANY account with Citizens Bank at this point!

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Angry Bank Customer
Philadelphia, US
Jul 24, 2010 11:27 am EDT

Citizens Bank has charged me over $550 in overdraft fees in the past few days. While my checking account was overdrawn, I do have savings overdraft protection. I did have enough in my savings account to cover the amount that posted to my account that day. However, Citizens Bank maintains that I had a charge that was HOLDING that would've put my account over by $16.93. Because of that charge, the bank ended up charging me close to $600 in overdraft fees. This wiped out my husband's entire paycheck and more. While the money cripples us, the worst part is the principle - Citizens Bank STOLE our money, unfairly, without good reason, and is not willing to do A SINGLE THING to keep our business. That is not good citizenship. We will be withdrawing our accounts from them very soon and telling all of our friends and family to do the same (or at least never to sign up for a bank account with Citizens). I will also be taking them to Small Claims Court to get my money back. If you are having similar problems, visit this website: http://www.challengethebank.com/

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ibutakc1
Darby, US
Dec 07, 2009 9:08 am EST

I just went through the same issue with them, except spoke with Jenna Spunkard who was reading word for word verbatim and she identified herself as a supervisor.

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6:23 pm EDT
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Citizens Bank stop payment/ overdraft fee

I accidently pressed the wrong button online and charged $384 to my checking account. I immediately called the company i was paying a bill for and they told me to call the bank and order a stop payment. I did that. I asked the representative on the phone if the stop payment would actually stop the payment from posting to my account and causing it to overdraft. She said Yes. I also asked her if the stoppayment would be effective on the same day i ordered it, she said yes. So i paid $25 and ordered the stop payment. The following business day i check my account, and find that not only had Citizens bank, not stopped the payment, they over drew my account and charged me $78. Also, since i had made multiple online payments that day, when they posted to my account the bank charged me an additional $78. Then after all those charges, the stop payment kicked and the bank reversed the charge but it didnt make a difference. So now i owe the bank $156, even though i paid them $25 to avoid those charges.
But the story doesnt end there. I called the bank to inquire about the charges and they claim that they were valid because the representative wrote in her notes that she explained everything to me. So immediately requested that they pull the tapes. About 2 1/2 weeks later i still did hear from them about what the tapes said. so i called them back. This time the represetative apologized for the supervisor not contacting me and the other representative one giving me the wrong information but he couldnt help me. He said that they were going to go by the notes that the representative took and that there was no need to pull the tapes.

I tell you, this bank is shameless, i am a college student struggling to make ends meet and the bank takes my money with no mercy. I can't wait fot them to go under. I know that i am not the first or the last person for this to happen to and eventually the bank is going to regret scamming so many customers.

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AWhite1
Wyomiss, US
Apr 04, 2012 4:22 pm EDT

I accidentally paid a bill twice in a month today. I simply clicked the wrong category and hit submit. As soon as I did it, I went to hit the cancel button. It wasn't there! So I called the bank, thinking no biggie this just happened 10 minutes ago, maybe I need to get my eyes checked again. Were they helpful? NOPE! They said I'd have to pay a stop payment fee of 35 bucks. I told them no, I'd rather take that money and donate it towards a charity. But, this is what is ruining American. Fees for everything...it amazes me what these banks get away with. I've never had one bouncer, overdraft fee, etc. Nor have I come close. I've been at Citizens before it was Citizens when I was 14! Think they care about that loyalty? NOPE! Forget online banking, I'll go back to my check book thanks. Clicking one little box never cost me so much, so fast in my whole life.

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Citizens Bank don't use this bank!!!

I have more complaints with this bank than I have time to list! There is absolutely no customer loyalty whatsoever, and the way they configure overdraft charges should be illegal. They reconfigure post dates to overdraw accounts so it's impossible to tell when you're going to be charged overdraft fees (at $78 a pop!). I've begged them not to allow the "convenience" of allowing unexpected transactions to go through if there is not enough money in the account but they say it's company policy to allow every transaction to post INDEFINITELY, charging fees on every one. I check my balance every morning online to stay on top of things, but it doesn't matter. If a company with a recurring debit puts a notice in that funds will be withdrawn in 3 days, they overdraw my account the day that notice is sent! So, say it's the 17th and funds are scheduled to be withdrawn on the 20th, if I don't have that money in at the time the notice is made on the 17th, I'm overdrawn...even though the actual funds aren't taken until the 20th! There is just soooooooo much more to say, but it's too frustrating to recount everything, so, bottom line, anyone looking to open up a new account, PLEASE reconsider!.

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SFCAJOHN
North Providence, US
Oct 06, 2010 9:16 pm EDT

Please, please lodge your complaint with the OCC. Visit occ.treas.gov/customer.htm There you'll find an online form, complete it and leave the rest to the Government. We can flood the OCC with our complaints and keep Citizens Bank very, very busy. Good luck, And spread the word

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Citizens Bank overdraft fees

For years I have been a good bank customer. I made regular deposits from various jobs I've held, I've paid utilities and rent and credit cards on time, and I have budgeted my money wisely. Last year I hit a low point in my career and was forced to resign from my position as a school teacher. Since then I've had to relocate my entire life and survive without a job for 6 months. During this time I set up an account with Citizens Bank, which I had used previously before moving to New York City. I have since found a low-paying hourly job at a restaurant, as it is all I have been able to secure-- despite the fact that I have a bachelor's and a master's degree from distinguished universities. Meanwhile I have been suffering from clinical depression and anxiety, both of which make it difficult for me to function in day-to-day life, let alone with managing finances. Top this off with hundreds of thousands of dollars of student loan debt, and you have a picture of a broken man at age 25. So when Citizens Bank decides to put me in double jeopardy by hitting me with multiple overdraft fees, it's clear that I will never be able to get out of the hole I'm in. I can't take cash from ATM's now (my balance is negative 400 dollars), I can't use my debit card, and I can't apply for other cards or banks because my credit score has suffered. I am pretty much doomed now thanks to Citizens Bank. I am an emotionally unstable person and I don't know what I'm going to do. I've already borrowed more money from my family than I should have to at this age and with my background, but somehow nothing is working out for me. I'm a hard worker and I try to do what's right, but Citizens Bank doesn't care. They have a policy to enforce. Forget the fact that the country has been in a recession for the last two years. As long as they're making profits, what do they care about whether or not hard-working Americans can afford to eat and pay basic living expenses. I AM WARNING EVERYONE IN THE PITTSBURGH AREA: DO NOT DO BUSINESS WITH CITIZENS BANK. THEY WILL TAKE YOUR MONEY AND HAVE ABSOLUTELY NO REMORSE ABOUT IT. TELL EVERYONE YOU KNOW NOT TO START ACCOUNTS WITH CITIZENS BANK, AND IF THEY ALREADY HAVE ACCOUNTS, TELL THEM TO CLOSE THESE ACCOUNTS AS SOON AS POSSIBLE. CITIZENS BANK IS KILLING AMERICA.

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Citizens Bank posting vs clearing

Can someone explain to me how a check can show up on your on line banking and the next day it didn't clear. I was told that it was posted to my account on 04/07 but it didn't clear until 4/8 and all the money was switched around and I had a bounced check. They should not be showing information that isn't actual. That gives a false report. I go back and think I made an error and correct my check book to match. Now I have 5 insufficient funds transactions. Of course, there is no way to go back to yesterday's screen because they take out and switch things around. I am so out of that bank.

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SFCAJOHN
North Providence, US
Aug 18, 2010 8:18 am EDT

Please, make a complaint to the OCC - The Office of the Comptroller of the Currency!

Visit their site @ www.occ.treas.gov and complete their on-line complaint form ( use the Consumer Complaint and Assistance tab). They will take it from there. If nothing else you've created a "make work" problem for Citizens.

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Citizens Bank money due, poor srvice

My experience with Citizens has been a total nightmare -don't even think about choosing them for any banking business. I paid off my car loan and three weeks later they refunded the overpayment amont which I deposited. Lo and behold they put a stop payment on the check they owed me!
When I called to inquire I was advised to call back in 24 to 48 hours for a response.
I was unable to speak to a manager, they aren't able to get responses any faster and imagine they wanted me to call them. They are the worst. Stay away!

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Citizens Bank racism in employment

made a racist comment ("no you're black") before telling me I can't get the job...

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Citizens Bank bogus fees

when i check account online shows a balance of 3, 36 so i use atm card for gas and spend 3.00 latrr that day i check balance as i was waiting for my direct deposit to hiti checked balance all day the next morning i check and my direct deposit was there minus a 39 dollar fee and then they show a 41c fee that mysteriously show as if it was taken out before the 3 dollar atm debit from gas, so i went to the bank and fought that fee and another fee which after a few days they agreed to give me back, so the next day i check account and it shows the 2 39 dollar fees deposited so i continue to use debit card and make 6 or 7 small transactions then the next day i go to citizens to make 200 dollar deposit and my reciept shows balance -35 dollars so i ask and bank says there fees werent deposited till the following day which is total bs as i called the number on atm card to check balance and showed additional 78 dollars which is exactly the amount of 2 overdraft fees now my account stands with almost 700 dollars in overdraft fees which i will never be able to come back from this is unfair and they said unless i have proof theres nothing i can do

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SFCAJOHN
North Providence, US
Oct 06, 2010 9:25 pm EDT

Please, please lodge your complaint with the OCC. Visit occ.treas.gov/customer.htm There you'll find an online form, complete it and leave the rest to the Government. We can flood the OCC with our complaints and keep Citizens Bank very, very busy

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8:42 am EST
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Citizens Bank money hungry

I used to work at Citizens bank in sales. I had to quit because I felt like a hippocrit. Well, first of all, they don't tell you that when you're sitting down at the desk opening an account that they sign you up for rewards that cost you monthly fees out of your account. They aslo don't telly ou that if you want images on your bank statements of checks that it will cost you $3.00 per month. You also won't know when the money will be deducted out of your account, because if you don't have the $3 bucks, you will go negative and be charged! Also, I feel bad for those who get paid every two weeks and don't check their accounts that often. You can be negative .01 and be charged. Also, if you have a social security check made payable to you for your child, you have to open a rep payee account titled the same way the check is titled. Also, they won't tell you that you need $50 bucks to open the checking account. Also, if you want to open an account and your address does not match what's in the computer, with usps then you have to go back home and get a utility bill with your name and address and they need to document it with the acct number and statement period...How would anyone know this before they got there? There is no way. Citizens bank sucks. Also, they apply you for a credit card when they are asking you all of these wuestions, and run your credit once for the credit card and another for the checking account which brings your score down. Often, they don't tell you they are applying you for a credit card, but if you do get pre-approved, they wil say, "OMG you jsut got approved for our Citizens Bank Credit Card"..Get it?I'm telling you this bank is whacko..Stick with the small banks in the areas. They're not out for profit, they're out to keep customers!

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mf3864
boston, US
May 17, 2011 4:19 pm EDT

They are ###. I moved all my money to a new bank with no fees. The last act was to transfer the remaining 200$ to my new account, make the citizens 0$ balance and close it. What they didnt tell me was that when it went to 0$ balance, the overdraft kicked in charged my account 3$... so I couldnt close it until I paid the 3$ even though they swore on the phone no charges would be incurred. I stormed over to a branch and complained, they smiled and said they couldnt do anything. In a full fury i paid the 3$ and closed the account. This is OUTRAGEOUS

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10:11 am EST
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Citizens Bank unscrupulous business actions

My husband has an auto loan with Citizens Bank. Every month, they say they didn't get the payment on time and start calling my house the day the payment is due to inquire as to where the payment is at that time. Although the Post Office's services are not that great anymore, I find it very hard to believe that every month my payment is held up in the mail. This month, they said the payment never arrived...so I paid it over the phone. They charged us a $10 late fee and a $12.50 processing fee to do so. The next day, my original check that was "lost" in the mail cleared the bank ...which means they had it when they denied having it! A week later, they send me a Statement stating they never rec'd. any payments. I called there and they won't discuss it with me because it is my husband's loan, but my husband has at least a dozen times authorizied them to speak with me and even sent it to them in writing. They say they never received the authorization. I am reporting them to the offices of Banking and Insurance.

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Kellygurlz
Halifax, US
Mar 04, 2010 2:16 pm EST

Good for you - we should all sue them for our fees back in a class action law suit! How did you do calling the banking people?

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Citizens Bank unfair fee

Recently, I used my debit card attached to my Citizen's checking account to pay part of my UAlbany orientation fee.

The school made a mistake and initiated an $80 charge instead of the $10 partial payment I'd authorised. They reversed the charge the same day, and charged the appropriate $10.

However the $80 was still on hold in my account, creating a negative 'available funds' balance. I had $31 in the account, to cover the $10. When the $10 charge posted, it posted against the negative available funds.

Consequently, I was charged a $39 overdraft fee. I called the bank, figuring that since no actual overdraft occurred (the $80 was never actually claimed by UAlbany), they'd reverse the fee.

Instead, I'm told since it's not a bank error, they can't reverse the funds. I was told to contact the merchant (UAlbany) to request a refund of the fee. Even the student financial center representative I met with, in an attempt to get the fee (as suggested by the bank in the first call), spoke to the bank. He argued with their supervisor at their customer service phone center on my behalf for close to 20 minutes and got no further than I did.

So Citizen's Bank is making a profit off me. I am a disabled college student, living on SSD and stdent loans. And they are making an unfair profit off me. I willingly pay overdraft fees that are my fault. But this is not my fault, and I'm still out $39.

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ingruo
Saratoga Springs, US
Jan 25, 2010 1:09 pm EST

Looks like the attachment I tried to attach didn't work.

Basically my statement reads like this.

1/12 Dep +1226.43 1226.43
1/13 Chk -500.00 726.43
1/19 Dep +200.00 926.43
1/20 DIR -20.00 906.43
1/20 -587.00 319.43 wow! money they said I already have gets taken away and I get charged. I work 2.5 hours to make this DIR fee and someone monkey pushes a few buttons for a minute to not only lose my money but charge me for it.
1/21 Chk -243.02 76.41
1/22 ISF -25.00 51.41

See anything that makes sense there? Not only do they reorder the Bounced check and the fee for the bounced check, so they can try to catch me there, but they then charge me an ISF fee saying that I don't really have 51.41, I actually have -48.59 because 100$ of my funds are on hold for 7 days. No explanation has been given yet as to why I am still seeing a positive balance and why they are allowed to charge me even though they really have my money still floating around somewhere; and they will not refund me because they say it is not a bank error. I was pushed into this exclusive online only banking account by one of the reps there, obviously it was a huge mistake because then they have magical imaginary numbers that you cannot see so they can stick their big ledger pen up your unassuming a$$.

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ingruo
Saratoga Springs, US
Jan 25, 2010 12:58 pm EST

Check out this wonderful scam Citizens is pulling on me right now. There has got to be a way to fight this. They have stolen money from me and caused my account to fictionally overdraft. According to them the balance that they are giving me is wrong so that makes it my fault.

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Citizens Bank - overdraft charges

Citizens Bank charged $74 in overdraft fees for a $35 recurring item that was presented against a balance of $27.98, a $7.02 overdraft. That is a 1054% fee! The $35 item should not have even been honored in the first place, because it was for a debit transaction on a card that had been canceled. Citizens Bank decided to drop MasterCard and forced me to...

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Citizens Bank In-depth Review

Overview: Citizens Bank is a well-established financial institution with a rich history and a strong commitment to its mission and values. With a wide range of banking products and services, they aim to meet the diverse needs of their customers.

Products and Services: Citizens Bank offers a comprehensive suite of banking products and services. From checking and savings accounts to loans, mortgages, credit cards, and investment and wealth management services, they have options to suit various financial goals and preferences.

Accessibility and Convenience: With numerous branch locations, Citizens Bank ensures easy access to their services. They also provide online and mobile banking options, allowing customers to manage their accounts conveniently. Additionally, their extensive ATM network and responsive customer service contribute to a seamless banking experience.

Interest Rates and Fees: Citizens Bank provides transparent information about their interest rates for different accounts and loans. Their fee structure is clearly outlined, ensuring customers are aware of any charges associated with their services.

Customer Experience: Opening an account with Citizens Bank is a hassle-free process, and their customer service is known for its quality and responsiveness. The online and mobile banking experience is user-friendly, with a well-designed website and mobile app that make managing finances effortless.

Security and Privacy: Citizens Bank prioritizes the security of customer information. They have implemented robust measures to protect data, including advanced online and mobile banking security features. Additionally, their fraud prevention and detection systems ensure a safe banking environment.

Reputation and Trustworthiness: Citizens Bank has built a strong reputation in the industry. Positive customer reviews and feedback attest to their commitment to customer satisfaction. They have also received awards and recognition for their services and comply with industry regulations.

Community Involvement: Citizens Bank demonstrates corporate social responsibility through various initiatives. They actively engage in philanthropic efforts and support local organizations through partnerships, contributing to the well-being of the communities they serve.

Financial Stability: Citizens Bank has consistently demonstrated financial stability, with strong performance and growth. Their ratings from credit agencies reflect their solid standing in the industry, ensuring customers can trust their financial services.

Pros and Cons: Citizens Bank's main strengths lie in their comprehensive range of products and services, excellent customer service, user-friendly online and mobile banking platforms, and commitment to security and privacy. However, they may face competition from other banks that offer more competitive interest rates or lower fees.

Conclusion: Overall, Citizens Bank is a reliable and customer-centric financial institution. Their wide range of products and services, convenient accessibility, strong security measures, and community involvement make them a suitable choice for individuals and businesses alike. However, customers seeking the best interest rates or lowest fees may want to compare options with competitors.

Final thoughts and considerations: When considering Citizens Bank, it is important to assess your specific banking needs and preferences. Whether you prioritize convenience, customer service, or financial stability, Citizens Bank offers a solid banking experience with a commitment to meeting the diverse needs of their customers.

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Website

www.citizensbank.com

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