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CB Banks Citizens Bank Complaints #122-141
Citizens Bank

Citizens Bank review: Checking account deposit lost to monthly fees

J
Author of the review
3:23 pm UTC

I wish to file a complaint against Citizens Bank for charging monthly inactivity fees to a checking account I evidently opened at the time of procuring a Home Mortgage Loan.
On Aug 3 I received the first ever seen correspondence from Citizens Bank informing that I was $8.91 overdrawn on checking account #[protected]. Evidently this account was opened at the time of the home mortgage. Upon research of paperwork I retained for the home mortgage I found an acknowledgment that I deposited $100 at the time the home mortgage was engaged.
The Citizens Bank home mortgage was refinanced to another bank in Sept 2020. From that point on there was no longer any "banking" activity with Citizens Bank since the mortgage had been closed. Unknown to me Citizens then commenced to charge monthly fees for inactivity and it was not until the initial $100 deposit was exhausted did they contact me via USPS letter that I was overdrawn.
I called Citizens Bank at the number provided on the overdrawn notice and was unable to get any resolve from Douglas P. who was the manager handling phone inquiries on 8/10/21. He was polite but never offered to refund the initial $100 deposit but would only waive two months fees. He did assure me that the overdrawn balance would be vacated and that he would officially close the checking account over the phone. I feel, however, that these fees were unfairly collected as I never received any notification from Citizens Bank that they were being charged.
I am hoping that someone can intercede on my behalf and assist me in having my $100 refunded as Citizens Bank has not acted in good faith.

thank you very much,
James Pero

Desired outcome: Seeking refund of deposit

Keywords:
checking account complaint deposit good faith home mortgage monthly fees notification overdrawn refund resolve
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  1. Citizens Bank Contacts

  2. Citizens Bank phone numbers
    +1 (877) 360-2472
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    Checking and Savings Accounts
    +1 (800) 922-9999
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    Checking and Savings Accounts
    +1 (800) 600-0008
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    Student Loan Applications
    +1 (866) 259-3767
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    Education Refinance Loans
    +1 (888) 411-0266
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    Education Refinance Loan Applications
    +1 (800) 340-5626
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    Application for a New Home Loan
    +1 (800) 999-0216
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    Existing Home Loan
    +1 (888) 514-2300
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    New Mortgage Applications
    +1 (800) 234-6002
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    Existing Mortgage Customers
    +1 (888) 333-5145
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    Credit Card Applications
    +1 (800) 684-2222
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    Credit Cards
    +1 (888) 333-0246
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    Personal Loan Applications
    +1 (866) 999-0107
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    Personal Loans
    +1 (877) 670-5200
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    Wealth Management
    +1 (800) 862-6200
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    Existing Business Banking Customers
    +1 (800) 428-7463
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    New Customers
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  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
    Aug 10, 2026
  7. View all Citizens Bank contacts
Citizens Bank Category
Citizens Bank is ranked 49 among 353 companies in the Banks category
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