Citizen's Bank Complaint - Citizens Bank Has Special Rules for Those Special Customers
BENNINGTON, VERMONT -- On October 2, 2009 My Social Security Disability direct deposit hit my checking account. On this same day a check that was reported to be lost from my old landlord in March (Which I replaced with a bank check) was cashed. I only found this out when I needed to get more insulin (I'm a type 1 diabetic and I have Secondary Progressive Multiple Slerosis) Well I couldn't get my insulin because I my account was overdrawn. I called the automated system and found out that my old landlord had cashed this stale check. I called claims and told them about it, and dealt with my local branch of citizens and the claim department. I was charged $681 dollars for bouncing the checks that I had out there, and for being over drawn. They would not even refund me the money for my insulin. Now this all happened 5 weeks ago, and I got smart today and called the Bennington VT Citizens and asked them there policy on cashing a stale dated check, I was told that they wouldn't cash a stale dated check at all, if it was over 6 months old it would not be cashed. This customer service representative even checked with other tellers and was told the same thing.
So now I called the claims department figuring that I was actually helping them out. I was told that someone else was now handling my claim. When I spoke to him he told me that he couldn't tell me anything because he had just received a letter from the OCC today that I had filed weeks ago, and I would have to wait until the middle of next week for his letter to get to me. I was so mad. Now all of this stress has caused me to go into an acute flair with my MS and then I had a reaction to the Solu-medrol and was hospitalized for three days (just got out today).
Well I decided to call back the Bennington VT Citizens for some more clarification. I spoke with the branch manager and he actually told me that he knew the person who cashed the check (MY old landlord that I have not rented from in 3 months I might add) So I asked him if he cashed the check himself and he said now he didn't. I told him what his teller told me about not excepting a stale check, and he told me she was new at her job, so she wouldn't know all of the rules, well apparently all of their tellers are new, because she verified her information with the other tellers and they all said that they would not honor a stale check. especially a stale check that was a starter check. Funny how the Branch manager can contradict what his own personnel say and do. SOMETHING FUNNY GOING ON HERE! Well needless to say, this check has caused me a lot of trouble, I have had 2 trips to the ER, 4 new medications, and then I had 3 days of Intense Solu-Medrul infusions, including having a bad reaction to the first round. I'm not even out of the flair yet, so more is probably on the way the beginning of next week, not to mention the infusions reek havoc on the diabetes and kidneys. So far this fiasco has caused me over $8900 in hospital fees in addition to the money that the bank has charged me. But I still can't get over how the Bank Manager in Bennington VT knows my old landlord, and knew to tell him that he could cash the check, and he would look the other way.
I wouldn't do business with this bank. There commercials show them going out of their way for there customers, but I find that they go out of their way to make money everywhere they can, even if it means taking advantage of the disabled, and basically stealing their Social Security Disability funds that are supposed to be used for housing and feeding their families. DO NOT DUE BUSINESS WITH CITIZENS BANK, THEY WILL ONLY STEAL YOUR MONEY ANYWAY THEY CAN. PLEASE THINK TWICE!