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Citizens Bank Complaints 401

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6:02 am EST
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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 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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10:52 am EST
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Citizens Bank policy

I just opened an account exactly 27 days ago today and almost from the very start I have had nothing but issues with them! They held my first deposited check for what was only supposed to be 3 days, according to my online info. When I went back into my online banking account my hold date was changed from 3 day to 7! I called and they told me that was strange it should not have been held that long it is probably a mistake it should be released in a few days if not call back. It was not released so I called back and I was told it was held longer because it is a payroll check and it will be held that long for the first time and after that they would release the check in 3 days tops the next time.

I deposited another check and the same thing happened it original showed a realaese date of 3 days so when I went in again the date was changed again to not only the original 3 days but an additional 7 days at total of 10 days! I immediately called and this time I was told oh your account is new we hold all check a minimum of seven days for new accounts until the 25th day. I was furious because they never said this to me in the previous other calls! So now my check is due to be released on the 27 day. Why on the 27th day I said? They said oh because of the weekend. I said you considered the weekend int the 25 day time period they said YES! So I go to the bank and deposit another check on my 27th day since opening my account and I once again check my hold status only to see my check being held for ANOTHER 7 DAYS! I had enough in the account to cover this check completley but yet they held it again so I called again and I was told oh the teller has the discretion to hold for as long as they feel they need to. Can you believe this crap! I called the bank branch to check this status of the teller having the discretion to place holds on the account, I spoke to assistant Manager Todd Bloom in the Warrington PA office and he basically told me that NO the tellers do not have this discretion and that is the policy a 25 day hold BUT there were 2 holidays in there. There is only one holdiay and I have passed my 25 days and he laughed and said there is nothing he can do for me that is policy after telling him I do not appreciate him laughing at my situation because I have bills that need to be paid and DO NOT HAVE ACCESS TO MY MONEY and this is completely unacceptable I hung up with him!
I then called the customer priority line [protected] to talk with Pauline and she was the one told me when I spoke to her that new accounts have the 25 day hold status. She gave me the same song and dance! I told her every time I called there I received a different answer or different policy that accommodated them being able to hold MY MONEY! This is the worst bank I have ever dealt with! I am getting out now before the fees start coming. Horrible policies, horrible customer service, horrible bank managers horrible contact info they change their minds like the wind, just to hold onto your money. This is no different then robbing me for a week and then saying oh here you go I will give your money back no recourse! If I took something that wasn't mine and held it and tried to give it back it is still a crime isn't it!

Run while you can got to a credit union or a small local bank for the service you should be getting! I will stop with this write up I will get to Ellen Alemany Citizens Bank CEO if it is the last thing I do!

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CitizensCW
US
Apr 19, 2016 11:10 am EDT

I took out a 5 year car loan with Citizens Bank. I paid off the loan early, making my last payment on December 1, 2015. To date, April 19, 2016, Citizens Bank has not sent me the car title. Therefore, I have been unable to register the car in the state I live/drive the car and/or sell the car. The car has been sitting for almost five months since I cannot legally drive it since I cannot register it without the title and internal damage may have also been done to the car.

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ihatecitizens
Boston, US
Dec 02, 2009 11:20 pm EST

Lets all get together and write the attorney general then.
If your from Boston..actually from where lets do it.
I have written the attorney general, division of banks, and am currently looking fior a lawyer.

I think I found an article where citizens was sued in Sept.

It may sound impossible to sue big banks.

But with the current climate and spotlight on bank fraud...there is no better time.
citizensbankfraud@gmail.com
R

do it..
https://www.eform.ago.state.ma.us/ago_eforms/forms/piac_ecomplaint

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6:15 pm EST
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Citizens Bank cheating

A $15 transaction was there after I closed my account and cancelled card I cut my card in pieces, they show that I purchased after they cancelled my card, not able to tell the source of transaction yet trying to extort my hard earned money .
Banks cheat you cannot do any thing, they cheat for their lords make them rich when loose money public money save them to let them cheat public for ever.When profit only for few, otherwise curse for all. CITIZENS BANK cheated me we need a credit score for banks so that they cannot blackmail customers

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jjfoxbat316
Dorchester, US
Mar 02, 2010 6:29 pm EST

Several times in the last two months my account with citizens bank has been attacked and drained by this bank. It all started with a tax levy for 200. The story goes like this: my check goes in auto so thursday morn I check my account. Money's not right, so I call card serv to get info I'm told of levy by a live person. Then I ask for available balance and am told by a live person that I had 203 dollers in account. So under fear of further levy I take 200 out so I wont be broke. Two days later I get notice that account over drawn by 280. I call the bank and they say they dont always see everything. It doesn't stop there; they inform me of other charges coming in and that my over draft fees are still going to rise. This all after I checked my available balance. These charges were going to be larger than my weeks pay so I tried to stop auto deposit at work- they couldnt stop it, but could void it so it would bounce back. It went in and bounced back but my employer, being with citizens bank, was called by the bank demanding that money back or they would charge the account. I was called on the carpet and told the story and now have to pay back entire weeks pay. My next step was to fight with the bank. After much dialogue they refunded me 100. I then asked how I could prevent this. They said take the feature off the account that lets you over-draw. Did that. Next time, the same thing happens. Check available bal and use account accordingly. Now am told I'm overdrawn 130, I ask why and am told "Didn't anybody tell you that items put thru as credit don't show on available balance?" Like Mcdonalds, Dunkin Donuts etc.

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Citizens Bank Customer Service-Overdraft Fees

I have also had problems with Citizens Bank. On October 2, 2009 I received my Social Security Direct Deposit. Also on that date there was a check from 7 months ago that was cashed by the bank. This check was to an old landlord that I used to have, and way back he told me that he never received this check, so I stopped payment on the check and got a bank check for the money and sent that on to him. Now after 7 months he managed to cash the check. The bank never called me to tell me that a “stale Check” was being cashed, and I didn’t know that “stop payments” were only good for 6 months, so the bank paid out this “old check”. Now because this happened and I didn’t know about it, it overdrew my account and I bounced a bunch of other checks. It was only after calling customer service that I found out that “stop payments” were only good for six months and that the bank shouldn’t have cashed this “stale check”, but I was told that it was up to the bans descretion.
Now the fees that came in due to this amounted to more than $900. I was frantic. I got hit with fees on top of fees. My wife’s direct deposit ended up going into our account before we could stop it, and it paid all of their fees off and left us very little money for food to feed our family of 5.
Also during this time I was running out of Insulin (I am a type 1 diabetic) and I also have Secondary Progressive Multiple Sclerosis. Well I needed Insulin for my pump and the bank refused to free up any of the charges that they had on our account. I ended up have an MS flair twice and ended up in the ER. I also received 2 perscriptions that needed to be filled in order to get over this flair.
I called the bank and a very nice customer service representative named Madona helped me out and freed up $78. so that I could get the prescriptions filled, and then when I went to the bank I was told that I could not take the money out because citizens had put a hold on my account and the one person who could take the hold off was not in that day. I was then escourted out of the bank and was told that Corporate Security was going to be I would not get back any of the fees that I have paid if she had anything to do with it.
I then contacted customer service and lodged a complaint with them. Nest thing I know the claims department is sending me another affidavit in the mail, and this time they want me to try to locate my old landlord so that he can sign it saying that he did infact take money from our account. Can you believe that? I’m sure he’ll sign that? right?
I was told by Citizens Bank that I can not close my account at this point because it is now back to being negative again, and when I tried to open another account with a different bank I was notified that because of citizens bank I would have to wait for that account to be settled before I can open another account anywhere else. So now my wife is stopping her direct deposit and I have to call Social Security in order for them to stop their direct deposit.
I’m thinking about not having a bank account at all, I’m thinking about getting a safe, and then just getting money orders for all of my bills.

Thank you CITIZEN’S BANK for encourgaing me to not trust banks!

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Citizens Bank patments

pay payments by western union so the company can get payments faster always seem to be posted on account 3 to 5 days later, at that time we get a late fee and extra charges for not paying on time.. but westernunion states that payment was received.within 15 min. want to know if there is a way to stop comp from ripping off people this way?

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Citizens Bank ripped off

My husband and I have several accts. with citizens bank as well as mortgage accts. We have been with them since they took over commenwealth bank. When we were with commonwealth they used to call sometimes to say heh we know your husband is traveling a lot out of the country you need to switch money into your acct. a check is going to post today. That was without a doubt unusual but that's the kind of service we received from commonwealth.

Then citizens took over. We stayed with them hoping to build the same kind of relationship. We realized there service cannot compare. Over the years we opened and closed many accts. with them and never really wanted overdraft, so yes we paid many overdraft fees which now are through the roof. Last year my husband opened a savings overdraft and sometimes puts money in that acct.

I recently learned that if you do not have enough to cover the full amount of your mistake of overdraft they do not take any money at all from that acct. and you get charged for everything even if you could of covered most of your mistakes. To me they are stealing our money because they will not use any overdraft that does not cover the full amount. That's bull crap! Why should I pay $234 in overdraft fees when I should only pay for what I could not cover.

My husband also transfered the same day $2800 dollars from our ING acct. which to me is cash, but they said no. Before when my husband fought with them over this the manager said why do you have your money in ING instead of here at citizens and was very rude to my husband because he told them he gets higher interest on his money in the bank and only transfer when he needs to. Please help us resolve or expose this bank I am sure other people are also getting ripped off.

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THECONSUMER7
US
Nov 11, 2010 8:03 pm EST

My account had identity theft, which I notified to Citizens first charge, they reimbursed, another charge went through by the same company, then another! They did nothing to stop it after already knowing it was fraudulent, not even notify me. I found the error. They told me legally they had 10 business days to reimburse they took almost 90. Charging me fees the entire time this money wasn't in my account and are now saying they aren't responsible for the $1, 000's of dollars of fees that would have never happened if the money was in the account. That is not even humane, this ruins people's lives and credit scores. So they do not have to resolve the issue they will not let you speak to a manager, will "accidentally hang up" or leave you on hold for over 2 hours. Only one person that is miraculously never available can resolve this issue. I have 3 bank accounts and never as much as had an issue, Citizens is a nightmare and they are not a place by any means to trust with your money.

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chssqn
Collegeville, US
Feb 18, 2010 8:15 pm EST

I messed up this week. I deposited a check on Saturday thinking it was going to clear on Monday but forgeting that Monday was a holiday and a non-banking day. Well, after paying eleven bills online I found myself with eleven overdraft charges on Wednesday. That's $429 that I gave to Citizens bank all because I forgot my check wouldn't clear until after the holiday. Had my check cleared I would have had more than enough to clear my bills but this did not matter to anyone I spoke with. It seems to me their should be a cap on how many overdraft charges a bank can give for this type of mistake. Eleven!

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3:31 pm EDT
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Citizens Bank unfair charges

After a long string of very frustrating experiences with Citizens Bank, I didn't think it could get any worse until they charged me a fee for a debit when I had the money in the bank. The sequence of events was:

-Two debit purchases on Friday (had plenty of money to cover these)
-Check I had written was cashed on Saturday (overwithdraft charge ensued; I didn't transfer money in time)
-Debit purchase on Sunday
-Deposit on Monday (labor day) to cover the check in case

Result: They processed my Friday debits the following Tuesday, even though I had the money in the account to cover them at the point of purchase. I recieved an overwithdraft on Tuesday, following the labor day weekend, for FOUR PURCHASES... when I had plenty of money to cover my 2 purchases on Friday. I used a DEBIT for my transactions, mind you, but they allowed each charge to go through anyway. Their explaination was that it was because it was after 3:00pm on Friday and it went in the system as next day business. I searched their policies online and it states:

"When you withdraw funds from an ATM or make a purchase with your debit card, the funds will immediately be removed from your available balance."

Not to mention, they processed my check first, the charges in decreasing order of amount, THEN my deposit.

I was charged $39 for every single one, at a total of $156.

This is WRONG and UNFAIR. If you read their rules and regulations, each one is intentionally written to be ambiguous to work in their favor. Additionally, most people who overwithdraw can't afford the ridiculous fees that they are charged. Something needs to be done about this.

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westyjames
Wolcott, US
Sep 07, 2013 11:54 pm EDT

Just happened to us at Citizens bank near New Haven, Ct. Still trying to sort it out over a week now. The manager does not return our calls. $259.oo over draft fees. This is disgusting. We work so hard to have someone rob us like this.

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Citizens Bank incredilbe overdraft fees

Over $400 and climbing for Overdraft/Insufficient Funds that they made happen- Incredibly on a mortgage payment that I ended up paying myself via Western Union. Tried to pay the awful fees and end the horrible stress but was told no- fees are still coming and account must be open to levy them. The "Juice" is climbing rapidly and I need more phone numbers- Already have the Citizens Bank one in Rhode Island and have already talked to State Banking Commission(not much help but to say this is all legal!)

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Citizens Bank identity theft

Someone stole my information and charged 2 cameras to my debit card. after numerous calls to citizens bank finally had to go to the main branch and file an affidavit for unauthorized card use. Their employee filled out the form and my wife signed it. After weeks of being bounced around they only credit my account for one camera (148.93). When contacted again and more trips to the bank they state that because the form was not filled in correctly they cannot re-open or refund the rest of the unauthorized use. They Filled out the paperwork! We are out 148.93 and there is nothing they can do about it. On top of that it caused my account to be overdrawn and they charged me another $150 in overdraft fees.

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Citizens bank is the worst when it comes to fees over draft 11cents and i get a charge of 109.11 for 10 days over, hope this bank goes under !

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I have had my Citizens account for over a decade. I have been unemployed for 6 months in this economy and barely getting by. It is a struggle. In the past week, due to my unemployment check getting posted a day late, Citizens allowed 7 charges to go thru for gasoline ($27), groceries ($55), Walgreens ($8), and 4 other charges all of less than $25. I wa...

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Citizens Bank illegal account opening practices

I worked for Citizens in PA for almost 2 years. Fran, the Bucks County Regional Manager, pushes OD fees EXACTLY as described by many posts.

We were forced to open checking accounts that had excessive overdraft fees and monthly charges in order to ripoff the customers. Here's how:

We had to open accounts, lying to the customers that the account has "no fees" and put specifically designed waivers on the accounts so that the customer doesn't realize the scam (the maximum waiver you could use was for 1 year...)

Then, when the waiver expires months later, the customers have their guard down and they don't obsess with every line on their statements, they get hit by monthly fees that will overdraw the account (as most people keep in their checking account only enough money to cover their checks - that's why it's called a CHECKING account). The overdraft fees will overdraw the account again and again and so will the checks you write believing that your account is still good...

I routinely had customers with hundreds of dollars in fees by the time they received their statement - we were specifically instructed to hit high school kids, college students and senior citizens.

Another trick we had to use is open a "Gold" checking account to senior citizens who would come in and ask for a savings account by using a high interest rate as a carot and not disclosing the fees (using the waivers as noted above). Problem is, that "Gold" checking account had a high-balance requirement and the poor people would be hit by unneccesary monthly fees a few months later...

And to add inslult to injury we even had telemarketing days and evenings when we were forced to make telemarketing calls (disguised as "service calls" so that the bank circumvents the do-not-call registry laws). Not only these were clearly marketing calls (as suggested by the program feeding us the leads!) but also we had to open a number of checking accounts over the phone (the daily and weekly targets were set by Fran again, the Regional Manager).

If only homeland security new how many checking accounts Citizens Bank routinely opens over the phone without proper identification or signatures... all the auditors have to do is go to any Bucks County branch towards the end of the day and ask for the signature cards of the checking accounts opened the SAME day to uncover the illegal practice (this way there is no time to mail the signature card and obtain backdated signatures...)

Stay away from Citizens Bank in PA! I quit several years ago and I am still haunted about the things we had to do...

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Citizens Bank awful experience

Citizens Bank Master Card. Brand new account. No feels, low interest, sounds good. Wrong! Never recieved a bill. They called me asking where payment was. I was shocked. Told them I never recieved a bill. They said ok, another one went out yesterday, no problem.

Two days later, got another phone call. told them still waitilng on the bill. They said if you don't get it in a few days, call this number 1-8... Waited all week for bill. Never came. Called the 800 number today. They said the bill only went out on Monday, so they weren't suprised that I didn't have it yet. I said The bill went out over a week ago! No no, bill went out Mon. They wanted me to give them my checking account routing number and my husband said Don't you dare! They now had a late charge fee of $39.00 AND, interest for late payment.

The supervisor told me that if I would take care of this on the phone, she could negotiate the $39.00 fee for late payment. Sounds phony to me!

Sent them a check for the full amount and told them to cancel the account. We ALWAYS get our mail.

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Sandra J. Long
Lewes, US
Dec 24, 2013 10:44 pm EST

Lst month(N0vember) my balance was41.48. I looked at my December's statement and there are 23 transaction on there, one for 19.99 aqnd the other for 12.00. So as I received a nasty letter from them saying that I was late in payment, thre would be a 39.00 late fee added to my account. I NEVER RECEIVED A BILL and I ALWAYS pay my bill online., and to top things off, my payment was 11.19 Then they told me that I owed them $2, 285.00. FOR WHAT? I downloaded my account on line and there is NO SUCH TRANSACTIONS! SO, I will go ionto the branch on Thursday morning and ask them whre they came up with such a figure, get my real balance, and SHUT DOWN THE ACCOUNT, and I will also turn them in to the Better Business Bureau and have them investigated. I am very upset, and I am seriously thinking of turning them into the IRS, and have them investigated, because you are NOT SUPPOSED TO DO THESE THINGS TO THE CUSTOMERS. I learned my lesson the hard way, but I guarantee you one thing, they will remove the supposed charges for $2, 280. Thanks a lot citizens bank, I really need this kind of kiaus and stress in my life. RIGHT?

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mbcsw862
Johnson City, US
Jan 24, 2012 11:11 am EST

I had a similar experience. Signed up for 12 month interest free card. transferred a balance. then no bill. when I realized a week after the first payment was due that I had not received bill I called the company. they said they mailed it. hmmm I get all my other bills how come not theirs. well now I know, .. because I was "delinquent" in my payment, the no interest deal went out the window. It's now my word against theirs regarding the mail. evil but brilliant on their part.

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Peter M B
US
Aug 25, 2010 12:58 pm EDT

They ripped me off to

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11:23 am EDT
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Citizens Bank Citizens Changes Monthly Loan Amount

INFORMATION AMOUNT MY COMPLAINT:

- Feb. 2007: Financed a 2007 Dodge Caliber through Citizens Automobile Finance in my name only.

- Signed loan paperwork for financing; monthly payments of $262.04 per month for term of loan.

- Sep. 2007: Deployed to Afghanistan for 9 months; made monthly payments (on time) in excess of monthly loan amount.

- In order to stop mailing checks from Afghanistan to Citizens, sent Citizens a memorandum requesting "Automatic Payments" be set-up in the amount of $500.00 per month. After receiving paperwork from Citizens, filling it out, and returning request, "Automatic Payments" started; $500.00.

- "Automatic Payments" continued until I called to cancel. Automatic payments stopped.

- Due to the amount I was sending Citizens, either via mail or automatically (when it started), loan was in good standing until May 2009. Did not send Citizens any payments after cancelling "Automatic Payment" option.

- Dec. 2008: My divorce was finalized and ex-spouse was awarded automobile (2007 Dodge Caliber). However, she was now responsible for monthly payments, insurance, maintence of the automobile. Judge DID NOT order her to refinance car in her name.

- Dec. 2008; Day after finalized divorce, called Citizens to have all payment vouchers for loan sent to ex-spouse. Explained to Citizens she would now be making the monthly payments; starting in May 2009 when next payment was due. Also stated to have any and all banking information (my "Automatic Payment" information, billing statemnets, etc... removed and stopped), the onlyreference I wanted with my name is the individual responsible for the loan; the one who signed the loan contract. She (my ex-spouse) will now be making the loan payments.

- Apr./May 2009: Ex-spouse sent check to Citizens in the amount of $262.04 to satisfy loan payment for May 2009. However, my checking was also debited +$400.00 by Citizens in the beginning of May 2009.

- May 30th, 2009: Phoned Citizens to find-out what happened and why my checking account was debited and why +$400.00. Explained to Citizens that my ex-spouse will be the one making payments from now on (as I explained to Citizens in Dec. 2008); which she did the end of April. Also asked why the amount debited was +$400.00.

- Citizens stated, based on my request via the memorandum I sent months ago (to have the "Automatic Payments" set-up to be $500.00 month) my NEW monthly loan payments were now $500.00, not the original, signed, legal loan contract amount of $262.04 per month.

- Citizens stated I needed to send a signed memorandum stating I wanted to change amount back to $262.04. After going around in circles trying to get an answer on how Citizens can change the original loan amount frrom $262.04 to $500.00, they said I asked to do so based on my memorandum I sent months ago.

- Again, I tried to explained to the Citizens representative that the memorandum I sent months ago was for the "Automatic Payment" amount I wanted to send ($500.00) and NOT to "rewrite" the loan agreement and original loan amount (262.04). Got no where with the 2 representatives I spoke with.

- Jun. 1st, 2009: I typed memorandum requesting I wanted my monthly payments to be $262.04, NOT $500.00 and faxed to Citizens.

- June. 19th, 2009: Phoned Citizens to see if the monthly amount was corrected from $500.00 to $262.04, it WAS NOT. I faxed the memorandum again.

- July 16th, 2009: Received late notice in mail from Citizens stating I still owe $237.96. I phoned Citizens to find-out what was going on.

- "Matt, " stated he didn't know what I was talking about. He than proceeded to say Citizens would waive the $20 late fee if I would pay what I owed now. I requested to be transfered to a Customer Service manager. "Matt" stated that since I was late, the called would be "re-routed" back to collections section. I hung-up and called customer service myself; I got through.

- "Tom, " customer service manager, stated the amount was changed, however it would not take affect until Aug. 2009. Again, I tried to get an answer on how Citizens could change the monthly loan amount from $262.04 to $500.00. He too explained that it was done based on the memorandum requesting "Automatic Payments" to be set-up in the amount of $500.00 a month.

- "Tom" is attempting to get Citizens to make the original loan amount of $262.04 effective 1 July 2009, not Aug. 2009. This will put my account in "good standing" and not -$237.96. Therefore, the next payment would be due in Aug. 2009.

In conclusion, I still do NOT understand how Citizens Automobile Finance can change a customers loan amount (which was listed in the signed loan contract). If a customer requests to send more towards their loan, via "Automatic Payments, " he or she should be able to do so; which I did. However, once the automatic payments are stopped (which I did), the amount due should be the original amount depicted on the loan contract... NOT WHAT WAS REQUESTED ON AN "AUTOMATIC PAYMENT" BY A CUSTOMER.

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1oldtrucker
Woodsville, US
Mar 03, 2012 7:16 pm EST

I have loan with Citizens for over a year. No problems. Auto payment all set up. Great customer service. Easy as pie!
When you have a loan with monthly payments, you need to make the payments if it is in your name. No "vacations", no blaming someone else, it is your responsibility.
So suck it up and send the money.

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oliveolive
Bradenton, US
Jan 25, 2012 8:57 pm EST

Terrible! only thing I can say! our car was surrendered in a chapter 13 it is worth 4k and we had to pay 16k. I call and ask when they will come and get it they say never, they say they don't "recognize" bankruptcy matters and refuse to come get this car. we worked very hard to pay all of our debts early and got a discharge and we are still getting the run around from Citizen's and we are trying to give them their vehicle back! I offered to have it brought to the bank the woman told me "there is no where to leave it" and to make matters worse the lawyer is as bad. I wish someone had a clear answer of how to return this vehicle.The nightmare of bankruptcy is over except for this car and nobody will help me.

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ebgibb
dallas city, US
Jul 20, 2011 8:37 pm EDT

My problem with CAF is they are ignorant. Never did I have a late payment, paid every 2 weeks more than amount due. My probelem is when I tried to pay off the car. Called verified wire transfer would be OK, and they would refund difference. Wire transfer made and accepted, Citizens lost the wire transfer ! yea right, found the wire transfer, told it would be applied. Problem too much money was sent and had to send money back! Won't send check for more than a certain amount. Sent back money, took 5 days for bank to recieve money. I paid off car July 1st, online bill payment, didn't credit account til July 7th, waiting for small overpayment, wait 10 days for check to be mailed. This organization holds on to money that isn't theirs to get the interest. Why wait for refunds, why does the right hand not even know about the left existing!. They will not return daily interest from June 13th to July 7th even though the payoff had been in their bank on the 13th, which they acknowledge. I talked to "Matt, Amanda, Megan, Kelly Robinson, Rosemary, Ben, and Vicki", Same run around terrible company. I will be contacting the Attorney Gerneral Of RI, How long can these people get away with this, I'm not the only one.

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Beth0467
Jackson, US
Apr 20, 2011 7:35 pm EDT

I am trying to pay off my debts, so I decided I was going to start making extra payments on my vehicle. I noticed on an old CAF statement that I had, that if I made extra payments, it might interfere with my auto-debit taken out each month. So I called customer service at CAF and asked them if I made extra payments, would it change the amount that was deducted automatically from my checking account each month, or if it would change the dates of the auto-debit. The agent assured me that if I made an extra payment by check, and mailed it so they received it a couple of days after the debit went through, that it wouldn't mess up my auto-debit. So the first month, I paid $300 extra towards the principle. Lo and behold, this month I check my bank statement, and CAF took out $300 LESS than I normally have deducted from my account. What happened to "THIS WON'T INTERFERE WITH YOUR AUTO-DEBIT?!" I swear, I hate CAF for being such idiots. Needless to say, I called my bank and they paid off CAF and I transferred my loan to them. My interest rate also went WAY down. I would highly recommend that you also transfer your loan to somewhere else!
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kayzykat
Big Bear City, US
Apr 07, 2011 4:05 pm EDT

The vehicle was in our business name, the loan was in my name. Since our separation, my ex stopped making the payment, I've been paying the loan on time with my PERSONAL check. The loan was over paid by one payment at the time I paid it off. Citizens sent me a refund check in our business name but I was not able to cash it due to the closures of our business and it's bank account. I contacted Citizens, after sending them the supporting documents they sent me a replacement check in my name. I deposited the second check into my account. The payment on this check was stopped and I got charged for the returned check. I contacted Citizens again, they told me to repeat the step I already did, to write another letter and submit proof of the business closures, which I already did before they sent me the second check. It's been a year now I haven't heard or received my refund. This company is HORRIBLE, people that work for them are a whole bunch of ANIMALS.

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ZacWeaver
Lafayette, US
Mar 23, 2011 6:06 am EDT

These are horrible, nasty, rude, people. They are not even human! DRIVE YOUR CAR INTO A TREE AND GET THE INSURANCE TO PAY THEM OFF AND MAKE SURE YOU HAVE GAP INSURANCE. IT WOULD BE EASIER THEN DEALING WITH THESE NEANDERTHALS! SATAN OWNS THIS BANK! RIDE A BIKE OR WALK INSTEAD OF DEALING WITH THIS BANK!

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msab
US
Feb 28, 2011 8:51 pm EST

I mailed myFINAL payment Feb 16th. I was very excited. The payment is not due until Feb 28th. Guess what? Today is Feb 28th and they have no payment. I called On Feb. 22 and was told by a female they are behind because of Presidents Day. I called again on Feb. 24th and was told they are behind and it could be the following week Wed (this is past my due date) and 16 days past the time I mailed it. I called today Feb. 28th and spoke to a man. I explained I have sent my payments for 5 and half years and no problems now they can't not find it. I made copies of everything and I read the final statement and where to mail. He is now telling me I sent it to the wrong address. I called later this afternoon and the system is down I was told to call back in 15 mins. That was 3 hours ago and the system is still down. I have NEVER been late on one payment or have missed a payment and no one will help me.

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Online_P
Norwich, US
Jan 18, 2011 3:44 pm EST

I have a loan for my car and this is my nightmare. They are charging $4.65 per day and It seems that it does not matter how much you will pay you still will own them 20 years later

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ChelleS
US
Sep 13, 2010 9:06 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

Brent, I am in the same boat as you. It has been five months since I received my statement. I just send my check with no paperwork, except a note stating how many months its has been since I received a statement, and that I am making every effort to continue to pay off my car loan. I do suggest that you look into refinancing your automobile loan; that is what I am doing. Best of luck to you all.

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Brent G Thomas
North Platte, US
Sep 09, 2010 12:59 pm EDT

Having big issue to get them to send paper billing statement to my address which we was far ahead then we did not received any more billing statement till last three months ago. Then we recieved a thresting call that we owe money that I asked them ot send paper statement so I can keep paying the statement which keeps falling on deaf ears. Nothing has been done for next three months and still foghting with them to get the billing statement out to my address which I kept repeating it for over ten times on three calls I received. This month I had to called them and wonder why I not recieving any billing and I had to start all over. Is there any way to get them to listen and get the billing statement send to the house so I can pay it on time. Or is this how they get more money from the customer for the interest increase for late payment which did not get the billing statement? How I get them to listen and get them send the billing statement to the house?

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Probably you have asked the question “Why a financial institution which is supposed to be safe is doing fraudulent activities to surpass the economical reception?” Citizens Bank, one of the most vulnerable banks to the reception finally is alive, while other stronger banks fell. Suspicious, don’t believe me? Try to open an account in Citizens Bank, and...

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Citizens Bank awful bank

Someone did thousands of dollars worth of fraudulent activity on my checking account over at least a nine month period and I the bank would only reimburse for 60 days of that fraudulent activity and I can't get anyone to help me get my money from the bank not even the fdic or the ms dept of banking and consumer finance. I'm talking over 10k. Can anyone tell me how I can get my money back. All of it.

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Bank Rip OFFS
Spring City, US
May 02, 2010 2:14 pm EDT

They SUCK LIE LIE LIE

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Citizens Bank overcharged

Last November Citizens Bank hit me with over 500$ in over draft fees on three purchases all equaling less than 10$. They took my direct deposit Social Security Disability Check and canceled out the fees, regardless of the fact that I did not want that. I nearly became homeless because of that.

I left the account to mold while I opened a checking account with a much better (and more popular) bank. Recently a charge of $3.99 was made via paypal for some arbitrary purpose to the Citizens account by mistake. I made a call to their customer service to ask that the fee be removed as a courtesy, which they agreed to. They then stated my account balance was 'fine' and 'in the clear'.

Well, I though they meant the account was POSITIVE in balance, so I did nothing.

I went in today to deposit 50$ to keep it from happening again, and my account was 100$ NEGATIVE.

They will not waive the fees, or even work with me on the fees. Instead until i make the account positive, I will incur another 39.00 charge every 7 days. No one told me this before. The seven day limit to deposit after the fee was refunded was YESTERDAY, and they will not make an exception!

I am on Social Security, I make 637.00$ a month! I cant afford to lose another 100$ of my income!

I called the bank where I opened the account (Willow Grove) since i live 150 miles away from it now, and the manager (Debbie) was EXTREMELY rude and treated me like I am an idiot who cant manage my money. She told me to practice my money management skills and then hung up.

I have NEVER had an account overdraw at ANY other bank. Citizens Bank should be ashamed of its self. Bad customer service and insane fees will make this bank one of the next to sink!

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Tim Butler
Wayland, US
Apr 07, 2010 9:02 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

I feel very sorry for you. Citizens Bank is a TERRIBLE bank and they do NOT care about their customers. This is clearly a case of predaotry lending. The bank wants to make you think they did you a favor by allowing the charges to go through, while at the same time charging you outrageous fees for the "convenience" (their word, not mine).

Gone are the days when banks looked out for their customers. Banks like citizens are looking out for their bottom line. They are simply looking out for ways to increase their profits and revenues for their share holders. They also don' want the "average" customer. They want people with lots of money

I am a former of the bank and am all too familiar with their poor business practices. Sorry to hear about all your trouble. I left them and went to Bank of Ameirca. At least I was given the option of opting out of this practice. I hope Citizens bank goes belly up, and that their CEO, Larry Fish, knows what it's like to have someone abscond with his money - like what his bank has done to so many unfortunate people.

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Citizens Bank unfair practice

About a week ago I made a return to a P n C from a debt/credit card purchase the same day. I asked the individual if my account would go through right away. She said "most of the time it does". So I tried to make a purchase and it went through. Everything was fine until I went to the bank and asked how much money was in my account. That's when I felt my heart sank. The teller said it was in the negative, by a lot. I asked her to print up a copy of my account history. She said she could, but she ignored me as though she was deaf when I asked her if she was going to print up my history. Before they have always done this. I explained the situation and she promised that my account will be corrected as soon as the refund displayed into her computer. The next day I signed into the account on the internet to see if there were any corrections made by the bank. None were made, in fact the amount in the negative greatly increased. So I called the number on the back of my card and spoke to a lady from the bank and she said the account would be in positive and that the bank would have my money available as soon as the refund went through. The next I checked and it didn't go through and amount again increased. I was being charged for purchases made after the refund at the P n C. Since the money was never really deposited that moment back, and my account was being charged even without the money in my account, after being told chances were it would be. Anyways I called the number again on the back of my card. To make a long story short I went through about 14 different customer assistance employees, including supervisors all to find out that they would only to erase a portion of the money the internet was saying I owed back in. Not to mention I had to file a complain against one of the supervisors I spoke with. I told him what the lady said the previous date about 11 dollars being back into my account after the refund was shown to have gone through. (That was another thing that tried to upset me. The groceries were returned two days before the bank said it did according to their internet website.) Anyways the man I spoke to name was spoken harshly so I couldn't understand what he said. He sounded the way a shocked criminal sounds when an officer catches them in the act of committing something unlawful. I did speak with another supervisor who told me he could only return 117 into my account ( a different person than earlier) and he was an excellent listener and a pleasure to have a conversation with. I feel like a child would if he were given a lollipop at the bank and then on the way being told that would cost him/her more than they would pay for.

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mducille
South Park, US
Jan 22, 2009 5:19 pm EST

whenever you use your debit card the funds are held but not posted immediately. If you return a purchase the refund will not post immediately either. Usually it is at least 2-3 business days.

When you make subsequent purchases, the merchant will authorize the charge but it is not always the full amount. Many gas stations for instance will show up as a 1$ hold. It is your responsibility to balance your checkbook, not the banks. I suggest your read up on funds availabilty and electronic transaction processing and stick to paing by cash until you understand how to manage a bank account

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Citizens Bank auto loan payoff

On November 24, 2008 Cole Chevrolet in Bluefield WV mailed the payoff to our Nissan Exterra. It took 11 days for this check to post. In the mean time Citizens automated withdrew my November payment from my checking account after we had called to cancel this service. I spoke with an Ashley B who informed me it would be 2weeks before my reimbursement check with be cut. I am filing charges against this company with the WV Attorney Generals Office, Secretary of States office, BBT Bank and WV State Police for the illegal transfer of money from my checking account.

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tvmay2
boston, US
Aug 15, 2023 11:59 am EDT

they are NOT the same back they used to be. Their Nazi like tactics and frequent changes of complete staffs have destroyed any personal banker customer relation potential. Fortunately a few good banks left out there - salsipusdes!

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KEWigglz
Whitinsville, US
Mar 09, 2012 12:38 am EST

so a few years ago i had an account with citizens... i regularly checked my account both on the phone and online before making a purchase to make sure i had enough money... well they lie... you never had close to the amount they say you have... i mean i should have kept better track of how much money i have but sometimes life gets busy and you should be able to rely on the tools that you are provided.. so needless to say i over drafted which they didn't tell me until 2 weeks later.. at first they told me it was my fault it took me a month to get the fees removed and to close out my account.. i decided to give them another chance... i opened an account 3 weeks ago... same exact thing... they post all of your transactions but they don't adjust your balance.. why should i be punished because they can't do their job correctly..

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kevin kelly
marshfield, US
Nov 16, 2011 2:58 pm EST
Verified customer This complaint was posted by a verified customer. Learn more

THE MTG originator LYING to my face when I had no info in front of me. This was 11/15/11 @ 10am @ the Citizens bank in Marshfield. A lying wench, the mtg originator, told me Citizens had no fixed 10yr mtg. THEY had reified me 16 months earlier and still wanted full assessment/refi- fees of 1400, then she backed it down to 1200. I'm hoping to attain my mtg away from these lying thieves.

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Hibanachy
US
Sep 11, 2011 9:48 am EDT

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 CASH. I called in a confusion, after two hours and 5 different people, I got the whole tale. 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 CASH out when I close the account, they couldn't take any CASH out of my account, now they chose 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 know why they didn't close overdraft-protection program when I close my account. 3. I didn't receive any statement for CASH, 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 CASH, or they will keep billing me with more interest every month.

What a F****UP bank!

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Douglas P.
US
Dec 21, 2011 1:39 pm EST

This week my checking account was hit with FIVE $37 fees for non-existent overdrafts. This is what happened:--

I checked online to be sure the funds were available before making a withdrawal from the ATM. They weren't. The website lied. You charged me $37. This subsequently caused four more $37 fees to my account, because the first one caused it to be short for other things that posted.

This is THEFT! and FRAUD!.

Please go back through my account history and abate ALL the ridiculous fees you assessed to me this week. Plain and simple, or the US Attorney and Comptroller of Currency will be hearing about this.

You FRAUDULENTLY REORDER the posting dates of transactions that post to the account to maximize the number of $37 fees you can steal from me for each instance.

I'm writing this letter on behalf of my girlfriend; she is so upset, she doesn't have the stomach to lodge this complaint herself. I don't want to post her account number or any other identifying information in a public forum, but will be happy to provide all those details if you can actually find the courage to reply to this complaint.
Thank you.

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mmattocks
US
Aug 26, 2017 11:41 am EDT
Replying to comment of Douglas P.

No bank fraudulently reorders your transactions. You just spent money you didn't have. Its okay.

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tvmay2
boston, US
Aug 15, 2023 12:00 pm EDT
Replying to comment of mmattocks

it's all about training. Lack of it makes errors for customers. The fault if with the Bank.

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DRoberts31
US
Aug 12, 2015 3:53 pm EDT

I am beyond disappointed with the auto services. First off my contract says my payments and $415.00/month. I have been paying $450/month to try and pay it off faster, or in case one month I have problems the extra credited money possibly could be used to cover it. Nope, I tried getting a deferment for a month bc I has brain surgery and had been out of work and they said, 1: I couldn't get a deferment until I was back to work, then 2: I had no credit bc since I had been paying $450 that was my new payment amount. You cannot change the terms of a contract without my consent let alone without me even knowing about it.

I had asked to be taken off auto pay and was informed during my conversation with Gianna that it had been taken care of. Come the next month it was automatically taken again, creating an overdraft fee, and when I called to talk with a supervisor again she told me that Gianna didn't have the knowledge nor the clearance to perform that service.

I am so upset with everything and am going to refinance as soon as possible. This is the most obserd, sketchy, and incompetent company I have ever dealt with.

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tvmay2
boston, US
Aug 15, 2023 12:03 pm EDT
Replying to comment of DRoberts31

no one tells customers they can make a payment just to the principle... to minimize interest; banks are not on the side of the customers...

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alleycat303
US
May 22, 2013 10:16 am EDT

This company is BAD...I think the dealership I purchased my car from had some kind of incentive with this company because they told me that they had tried several companies for financing and only this company had the best rate. This was a lie because I applied to 5th 3rd to refinance the loan and they told me that I had already applied and I was like uh? The rate I got with this company was like 4.2 or something like that and I thought that was strange due to my credit score being very high. 5th 3rd bank had approved a 3.0% loan for me from the dealership. Now, when I went to get the payoff letter from this company, they wanted $25 to FAX the letter...Are you kidding me is what I asked her...so I had to wait until they mailed me the letter to refinance my loan. On top of that, when I refinanced my loan with 5th 3rd they charged me a $150 fee, which I couldn't figure out since I was already approved and my rate was more. DO NOT DO BUSINESS WITH THESE PEOPLE! If they dealership you are at says this is the only people they can get you financed through, I WOULD WALK AWAY!

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notimpressed23
Boston, US
May 10, 2012 2:38 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

Tired_of_stupid, obviously you have never had the "pleasure" of speaking with customer service department!
Same thing happened to me, my balance showed I had 385.00 in my checking account had not used my debit card since Monday, then i made a transfer from my checking into my savings, which they told me two days later that my account was negative because the funds were not available, i made a 100 dollar transfer from 385 but the funds weren't available?! how is that possible, they then took the transfer i made out of my savings back and debited my checking account a second time for a transfer then charged me fees.

Wow citizen's bank you are terrible and really should be put out of business.

p.s. tired of stupid, if you Google and actual research citizens bank, they have numerous law suits against them at the present time for continuing this practice.

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tvmay2
boston, US
Aug 15, 2023 12:01 pm EDT

way too much stupid going on consistently at this formerly top notch bank.

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brainchigger
Alamo, US
Apr 16, 2012 12:28 am EDT
Verified customer This complaint was posted by a verified customer. Learn more

This is the worst bank I have ever dealt with in my 40+ years of banking. I had to complain to the BBB to get them to
finally send me a freaking bill on my car each month...and that lasted about 9 months. I just got off line to pay them
this month when it hit me I didn't get my statement once again so I'll have another late charge on my acct. now.
FYI...here's where you go to pay online https://dimension2.princetonecom.com/otp/StartAction.do?citizenswebpay

You won't BELIEVE how hard it is to find this site in order to make a payment. NEVER get your car loan from these people!

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tvmay2
boston, US
Aug 15, 2023 12:04 pm EDT

automatic payments is the way to avoid that fiasco; they could have shared that...if they cared.

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Mike Sharpe
Greensboro, US
Feb 03, 2012 12:24 am EST

If you were a real man, your account wouldn't be overdrawn. Wanker.

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mmattocks
US
Aug 26, 2017 11:40 am EDT

They don't do that at all. Lol but sorry for your experience.

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About Citizens Bank

Citizens Bank offers a range of financial services including personal and business banking, loans, and credit options. They provide checking and savings accounts, wealth management, and online banking tools. Their services cater to individuals, small businesses, and corporate clients.
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Overview of Citizens Bank complaint handling

Citizens Bank reviews first appeared on Complaints Board on Nov 13, 2008. The latest review A Personal Perspective on Citizens Financial Group, Inc was posted on May 15, 2024. The latest complaint concerns with citizens bank security policy and implementation was resolved on Sep 19, 2017. Citizens Bank has an average consumer rating of 2 stars from 402 reviews. Citizens Bank has resolved 55 complaints.
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  1. Citizens Bank Contacts

  2. Citizens Bank phone numbers
    +1 (877) 360-2472
    +1 (877) 360-2472
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    100%
    Confidence score
    Checking and Savings Accounts
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    Checking and Savings Accounts
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    Student Loan Applications
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    Student Loans
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    Education Refinance Loan Applications
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    Education Refinance Loans
    +1 (800) 340-5626
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    Application for a New Home Loan
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    Existing Home Loan
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    New Mortgage Applications
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    Existing Mortgage Customers
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    Credit Card Applications
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    Credit Cards
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    Personal Loan Applications
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    Personal Loans
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    Wealth Management
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    Existing Business Banking Customers
    +1 (800) 428-7463
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    New Customers
    More phone numbers
  3. Citizens Bank emails
  4. Citizens Bank address
    1 Citizens Plz, Providence, Rhode Island, 02903, United States
  5. Citizens Bank social media
  6. Janet
    Checked and verified by Janet This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Jun 16, 2024
Citizens Bank Category
Citizens Bank is ranked 49 among 403 companies in the Banks category

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