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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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!
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..
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.
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!
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.
No bank fraudulently reorders your transactions. You just spent money you didn't have. Its okay.
it's all about training. Lack of it makes errors for customers. The fault if with the Bank.
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.
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...
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!
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.
way too much stupid going on consistently at this formerly top notch bank.
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!
automatic payments is the way to avoid that fiasco; they could have shared that...if they cared.
If you were a real man, your account wouldn't be overdrawn. Wanker.
They don't do that at all. Lol but sorry for your experience.
refusal to close my bank accounts
Elders beware ... I am a 96 year old widow who has accounts with Citizens Bank, who is refusing to close my accounts. They accepted my notarized letter to change my address, but 3 months later when I sent a notarized letter to close my savings account, they have repeatedly refused, 1st saying my signature didn't match my old signature card then ending with...
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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