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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 then wait for about six months without using it. After six months, then you will find yourself in an office discussing why there are irregular charges in your account, and they suppose that you made those activities, but even worst, the increment of the charges can be faster and higher that you can imagine and without notification. After 2 weeks you are obliged to pay about $350 because these are extra-fees for late payment.
The same issue is occurring to my friends, they are having the same complaints but nobody can do anything, and there is not defense in your favor.
They never send a notification to prevent those issues, but you will never have explanation about why.
But why?
A manager from Citizens Bank told me that he cannot do anything they have made a lot of changes in their terms and financial rules, and even managers lost privileges to help people in those cases, because of the economical reception.
Economical Reception? Economical Reception?
Customers are NOT guilty about economical reception? Why citizens bank don’t do as other banks did? Why the don’t declare in deficit? They are using their last resources to survive the reception, but using irresponsibly the money from the customers without their consent, and without return.
Don’t believe me? Open a Citizens Bank account now, and wait for about 3 to 6 months. Be prepared to pay a big error.
I forgot to tell you something... after you open a bank account in citizens bank, you cannot close it. They refuse to close it. So you will probably continue having those issues because they need you to take YOUR money!
The complaint has been investigated and resolved to the customer’s satisfaction.
![First Gulf Bank [FGB] reviews, listed as Citizens Bank](/images/business/48-48/116180/fgb-first-gulf-bank.png){kind=small}
This is a bad bank! I had an account with them about five years ago and got rid of them quickly. I never had any overdraft problems and just hated that their terrible website did not show pending payments for days. They still have this problem. A friend of mine still uses them and his account got overdrawn for $600 when the money was in there to be taken out with some left over. They just took the money and gave no reason for it. Now it is overdrawn and they keep adding on the daily charges. They also just recently added some new thing that if you don't keep $1, 500 in your account they will charge a monthly fee. Who has that kind of money to spare. I told him to go with PNC or another bank because they don't charge all these ridiculous fees. Citizens Bank is obviously going under which is why they are charging all these new fees. Stay away from them! They're crooks!
One word of advice: You can elect to have Citizens Bank not cover checks if you don't have the money in there. You can do this on their website then they will send you a paper to sign to authenticate it. This way they will not cover the checks that come in if you don't have the money. They will likely still charge you the fees per check, but it won't keep the charges piling up for all the checks they do put through. Getting rid of this bank is the better solution.
How do I be a part of this law siut- they chagred me overdraft fees when I had money to cover my transactions all but 10cents- I put money in to cover - they took the overdraft fee out before my transactiosn went totaly through and charged me over draft fees for all those transactiosn that were covered but 10 cents- thoese items we posted to my acct but on hold- taken from my balance- and they still charged me and they will not reutnr my calls
Exact same thing is happening to me again for the 2nd month in a row. The first time the bank paid a check that was written 3 mos prior. WHY WOULD THEY HONOR A CHECK OVER 90 DAYS?!?!?!? I'll tell ya why: so they could earn over $175 worth of fees. When I called the bank, the girls said if it were her, she'd call the payee of the check. Nvr mind that bills were being paid at the same time as they covered this check and it was clearly not going to clear my account. Did they contact me? Of course not. Went to local branch, guy understands totally, but has kept me waiting for over a month to reverse fees. That hasn't been resolved and guess what? they did it again! I check my account, theirs enough to cover a few small charges, but as before, I'm being charged for more overdraft fees I opted out! And i requested an email alert for if my account is too low to cover a charge. The guy in "Relationship Servicing" says they cannot honor that because they can't see the balance when the charges are being paid. (?!?) They offer a nonworking service? Why offer in the first place? That's right: so they can lie and steal from customers hard earned money. So I am filing a class action suit against them.
I would not have believed it until it happened to me.. I have been hit with some overdraft fees.. Of course I blame myself at first, I shouldn't be so careless with this money hungry bank but, I was recently hit with almost $700 IN OVERDRAFT FEES... again. It seems like they process payments when they want to so you overdraft, enough to the point I was in such a hole, my paycheck wouldn't cover the fee's. I have a son and a kid on the way and this has me in a bit of a pickle. I am still negative $279 and cant do s*** about it. Not to mention Citizens Visa card.. I had $9000 credit line dropped to $2000 for a late payment after I complained on why I was not receiving emailed bank statements. I always payed on time and payed over the minimum balance. For this one incident I was treated this way and no one could help me? And did I ever get a response to my question about my email statement? Person on the phone wanted none of it and after 2 emails in the past 2 months, all I received was an automated thank you reply. Yea, Thanks Citizens!
They take every chance to charge you all sorts of fees and do not give any sort of consideration. I could not make a cash back in the grocery even if there was money on my account.
They have a big fee just to check your account from another atm even if you do not withdraw money.
They hold your deposited check for a long time before releasing it.
Unlike other banks they charge you for first time overdrafts with absolutely no consideration.
Closed my account immediately.
DO NOT open an account if you do not want to lose money and get horrible customer service.
JMR09, if its illegal then how do we take legal action?
Citizens Bank just RAPED me out of $400.00 ! I balance my check book to a "T", and they still managed to screw me over. They do sneaky things. They don't care about you as a customer. They are bank vampires just out to suck money money from you. You are just another sucker to them. not a customer or human just a number.
I've even been charged for debit purchases... when I had the money in the bank! They found a way to justify an overwithdraft fee because "friday is part of the weekend" and they processed a bounced check from SATURDAY first, after the weekend was over. Yet I can't get my deposited checks for 24-48 hours? And credit charges are withdrawn immediately? This is not legal.
this bank SUCKS! they manipulate charges to put the larger ones through first, then assess huge overdraft penalties on a DEBIT card account. Quickly adding up to hundreds of dollars in fees. They prey on college kids with these tactics. Should have let them fail instead of bailing these phuckers out.
How? Can we form a group? Begin a Class action suit? This bank and stolen from me time or time; and continue to try to make ME as the person at fault!
Help...how can we put a stop to this?
This bank is totally ripping people off and the CSR's know it! Im sure they hear the same thing day after day! Ive had several charges come thru one day and the next day they are reversed which will cause the outrageous! 39.00 overdraft fees! They seem to process payments when they feel like it not necessarily when the items is presented for payment. Ive called on 3 different occasions and was treated so poorly I ended up hanging up. I was so frustrated that I asked for the bank presidents name and number, they told me that didnt know the presidents name or location.
The banking regulators need to step in and do an internal audit and REFUND EVERYONE WHO HAS EVER POSTED AN UNFAVORABLE COMMENT. This bank is the BIGGEST ripoff in banking history. There should be a class action suit against them. Back in the day they were called Republic Bank, they ran a good business. But, when they got bought, they started to pull the wool over many customers' eyes. They will get caught, they'll see!
I completely agree with you. They take your money and move it around. Why would something that went through on Tuesday, bounce on Friday? I keep a good eye on my account. But they always screw me over. Anyone who says this is a great bank probably works for them...
They have done this over and over again to me, it's so ridiculous and someone needs to stop them!
Hello out there? Attorneys, where are you? Or have the Banks bought you out like our politicians? If you can sue McDonald for hot coffee or as you advertise all over the TV, you can sue the Doctors or the Drug Companies (not that some don't deserve to be sued), surely you should be able to organize some just Class action suits against those run away Banks and their awful customer abuses and plain ripoffs. Aren't there any Lawyers out there with a sens of justice and a little "cahounas" willing to fight for the little guy who is getting fleeced by this system? Americans voted for Change. Where is the change?
no ###, ive never had a prob at any bank ive ever had an account. You might want to practice your adding and subtracting, that should fix your problem.
uh, dude, citizen's bank is a great bank-- I think you're probably just making a mistake re: your own balance. Best to stay on top of your accounts rather than ignore them for 6 months at a time..