I used my uba atm card on the first bank atm machine in ojodu-berger on the 27th of july 2014 . I was debited to the tune of 20, 000 (twenty thousand naira only) without payment. I waited a while and then proceeded to the second atm machine outside where i was able to withdraw 20, 000. Thereafter, i proceeded to uba branch in grammar school, omole to lodge the complaint, without response i came to uba area 11 branch, abuja to make a repeated complaint. Yesterday 3rd december, 2015 they eventually told me that i collected the money whereas, i did not. Please, i want my money. My name is esogban sunday afiazobhe, uba account number [protected], phone number [protected]. Thank you.
They refused to release $50-$100 so I could make home from being stranded in the mountains because I lost my wallet and other ATM card. I was robbed, almost died, didn't eat for 4 days. They would rather see there customers stranded than take a chance of losing $50 if the check didn't clear. I have direct deposit for $3000 every two weeks and am very low rist. If you bank here your banking with an unethical company that could careless about the customer. All they care about is profit and remember that when you go to open an account. YOUR DEALING WITH THE DEVIL IF YOU BANK WITH THEM AND CHANCES ARE THERE FEES AT THE BANK WILL REFLECT THERE ATTITUDE TOWARD YOU. IF YOU BANK HERE YOU SUPPORT CORPERATE GREED.
I went into a branch because I wanted the free kindle fire offer. Seemed pretty simple: 1) Open a checking account, 2) sign up for online banking, 3) have a direct deposit of over $300 or have three bill payments to separate companies. I made it clear that I was only doing this for the offer and I had banking assets elsewhere. The banker started going over all the services that I'm automatically enrolled in because they can only setup accounts in packages (eg. both checking and savings accounts). He said he ran my credit and that I automatically qualify for their overdraft protection program which is basically a $2, 000 overdraft loan. I said didn't want it because they would charge me $25 after the six month trial. I informed him that obviously my credit is good so why would I be overdrafting my account anyway? He would not allow me to not be enrolled which I found out later is prohibited by the Electronic Fund Transfer Act (http://money.cnn.com/2012/06/08/pf/checking-accounts/index.htm?iid=HP_LN). Additionally, I said I did not want a debit card if they were going to charge me for those services and sure enough, I got a debit card in the mail this week. They are also going to charge me for checks which I said usually get's waived if I have over a certain dollar amount in assets with them. I said I'd be willing to bring in more assets if fees would be waived and they said that they don't do such things. I felt like complete crap because they pretty much forced me into a bunch of things but I felt I could deal with it for a short time to get a Kindle. The worst part is that I got a notification from my credit monitoring service that First Bank had done a hard inquiry to open my account!!! I was in the middle of the mortgage process which is completely not a good thing to have my interest at a higher rate. I went in and explained the situation to the manager and she completely dismissed my concerns stating "It is corporate policy and industry best practices to do a hard inquiry." Complete bull ... I spoke with bankers at Chase, Wells Fargo, Ent, and PNC Bank. All of them confirmed that the only thing done is maybe a soft inquiry. Wells Fargo doesn't even do that but has a system that checks with other banks whether I, the customer, has any outstanding or bad accounts with them. All of the previously mentioned banks also offered free checks, free debit cards, and free overdraft protection that goes into the savings account rather than a line of credit.
I also made the same complaint via email which then got forwarded to another manager in the branch I opened up my account in and he also completely dismissed my complaints. He was even putting the blame on me and saying that they have secret shoppers that go out and see what other banks are charging. I guess they must like being the most fee heavy bank because no other banks have treated me this poorly. My advice: I would definitely stay away from First Bank. Customer appreciation is certainly not alive and well there. Their new motto is the complete opposite of that old saying "The customer is always right."
Horrible customer service. When they make a mistake on your account they pretty much say oops or they blame someone else, not taking responsibility. I just opened an acct and they clearly dont care about keeping me as a valued customer.
I asked many questions about the accts and fees and i didnt hear anything about fees! uh oh...im not looking forward to dealing with them about that...they don't listen to problems that they cause and they dont care to deal with them either.
I signed up for First Bank with $100 for a free iPod. You have to leave the money in for 6 months, so I never checked my balance and assumed they were taking good care of my $100. A little over a year later and that $100 had shrunk to $52.50 with tons of monthly fees that nobody at First Bank told me about. Somehow I got signed up for bill pay, which is $5/month if you don’t pay 3 bills per month. When I complained, they refunded a measly $5 of the $47.50 they had taken and said I should have read the hundreds of pages of fine type legalese documents.
Tons of hidden fees that are never mentioned - I suggest you go with a more up-front bank without hidden fees.
I signed up with $100 for a free iPod. You have to leave the money in for 6 months, so I never checked my balance and assumed they were taking good care of my $100. A little over a year later and that $100 had shrunk to $52.50 with tons of monthly fees that nobody told me about. Somehow I got signed up for bill pay, which is $5/month if you don't pay 3 bills per month. I never would have signed up for this since I wasn't even using the account, just leaving my money in there. When I opened the account, the friendly staff person asked if I wanted a debit card - I said 'sure', thinking it might come in handy if I decided to use the account. It was never mentioned that there is a yearly charge of $7.50.
When I complained, they refunded a measly $5 of the $47.50 they had taken and said I should have read the hundreds of pages of fine type legalese documents.
I just want others out there to know that First Bank is a horrible bank--if you're smart, do not bank with them. They do reordering of checks so that they can give more overdraft fees (taking out say a check for a $1000 first, which puts you close to $0, and then subsequent transactions that may be for as little as $2 will be put through for a bank fee of $32). They don't tell you when you get an account that they allow you to overdraft by $750! Now I know that I am responsible for checking what I spend, but to make a long story short, my husband and I use the same account, and somewhere along the way we went into the negative and it snowballed from there out of control. They don't let you know you're over until a week later or more in the mail. So they kept posting transactions after that $750, instead of declining the transaction. And get this, after we're charged $32 for each of those overdrafts past the $750, we get charged another $32 for the bank returning payment to whoever the check, etc. went to!! How is that even legal? If I can't spend past the $750, how do they think it's right for them to do it and then get double the fees from me?? I'd rather just be declined on transactions then for my account to get this bad. Also read the terms and agreements of your account, b/c once you sign and start using the account, you have a contract with the bank, and they can do pretty much anything they want to get as much money out of you as they can. First Bank may offer "Free Checking", but it is a joke!!! I'm closing my account and hopefully finding a better bank or credit union. First Bank in Missouri sucks!
The First Bank branch in Rocklin, CA posted a 4% Money Market account banner outside of their branch. I went in and opened an account. I wrote a check from brokerage account on Oct. 24, 2008, the check cleared my brokerage account on Oct 27, 2008, the money was no longer in this brokerage account and no longer making interest in this brokerage account. Today is Nov 5, 2008 (9 days) and this money is still not available in for withdrawl. This money is not earning interest? I called the customer service and explained that the brokerage account customer service confirmed that First Bank had the cash in their bank on Oct. 27. yet I am still not earning the 4$ interest, the First Bank customer service agent pretty much said he has no idea why, I believe from talking to this guy that he does not no what interest is. The question is this, who is earning the interest on my money if it is not me. The answer is: First Bank. I have had accounts at Bank of America and I have never seen this occur.
This is the lesson I just learned that cost me $224.00 in overdraught penalty fees. Yes, technically it was my fault because I made a mathematical error balancing my checkbook. But, my complaint is the rude customer service I received from First Bank here in St. Louis, MO when I called them to explain what I did, they just basically told me it was my tough luck and then they started lecturing me on being more responsible. I didn't want them to refund all the fees, just a portion if they could, but they acted like they couldn't care less to keep me as a customer, they had my money and thats the end of that.
What I did was make a mistake balancing my checking account which made me think I had more money than I actually did. I proceeded to use my debit card 7 times to make small purchases not knowing that I was being charged 32.00 for each item. One item I bought was for only a $1.80 but a was charged $32.00 by First Bank. Almost all the purchases I made were under $20.00. I thought my overdraught protection only applied to checks but I found out the hard way that they also apply to debit card purchases. A few years ago I made a mistake balancing my check book but when I tried to use my debit card to buy something it was rejected at the store. They told me they had changed their policy because the majority of First Bank customers had complained that they didn't like being embarrassed by having their cards rejected in a store. I asked them if they had taken a poll because no one at that bank had ever asked me my opinion on the subject.
They told me they sent me a letter telling me I had overdrawn my account but by that time I had already used my debit card 7 times. The irony is that I was going to use my most recent paycheck to open a savings account there but since they charged me $224.00 in fees I don't have enough money now to open a new account. That's OK though, after talking to two rude people there I am closing my account and will never give them another penny of my money again!
I went on line for a pay day loan and the next thing I know I have a debit from my checking account for the amount of 31.98 on 4/29 and then another debit on 5/29 for 31.98. I did not authorize these debits and i want the money refunded back into my account. If the money is not refunded I will pay the extra money for a lawyer to get the money credited because this is fraud.