HARRISBURG, PENNSYLVANIA -- I applied for a home equity loan. I applied for a 76,000 dollar loan. I was told to increase my flood insurance to 153,000 then my loan would be approved. I increased my flood insurance to 153,000. Then they informed me again that I needed to increase it to 159,000. They continue to change their minds. The hundred fifty-three thousand dollars is more than double the amount of money that I was borrowing. Citizen bank cost me 300.00 to increase my flood insurance and they denied the loan.
My husband has a credit score of 828 and my score is 758. In addition, Citizen Bank had me pay 580.00 dollars for a home mortgage appraisal but their home equity dept would not accept the appraisal and valued the house at 95.00. The interest is higher for loans less than 100,000. My husband is 66 and I am 63. I am really wondering if this is not a case of age discrimination.
CONNECTICUT -- I have had a checking account with Citizens bank for about 16 years but as of lately have used it only for limited use because the closest branch is too far. When I originally opened it I lived in another state and the branch was five minutes from home. I have my SS Disability checks deposited into the account which I then used to pay my health insurance premiums and other bills. I receive SS disability because I have stage 4 breast cancer.
On July 13 I find a letter in my mail box dated July 9 from Citizens Bank telling me that all accounts associated with my name would be closed effective immediately and that any balances in the account would be sent back to me after August 20. I had called their 800 number on July 9 to check my balance and was told that I had an available balance in excess of 1200.
I then wrote a check on the account and deposited into another account that I have with another bank. When I received the letter on the 13, I called the bank and was told that yes the account was- depending on who I talked to- under review, closed, being closed etc and that they had reversed the check that I had written even though there was sufficient money to cover it (and charged me a fee).
I am then told that if I go to the bank branch to get my money I am not guaranteed that they will give it to me and I will have to wait until August 20 to get it out. I explain that I am very sick and need my money and that since they have already decided that the account is closed and are not honoring any checks they need to give me back my money. I then spend forever on the phone and finally get someone who gives me a code to give to the teller (it is already after banking hours) that they can look up to see that I need my money for medical reasons and to let me have my money.
I then call Social Security to ask them to change my direct deposit and they tell me that I am too late for this month and that the present months payment has already been sent to the bank (but is not yet showing as part of the balance) so the SS telephone agent and I call Citizens Bank and are told that the auto deposit of the SS disability check will not be rejected (in which case SS could have reissued a check), but will instead reopen my account with Citizens and that there is no guarantee that Citizens will allow me to withdraw my money.
I explained that I depend on my SS disability for many things mainly my health insurance payment since I have end stage breast cancer and cannot lose my insurance. No go. Apparently Citizens must freeze my account while they take forever to close it while denying me access to my money. Even money that was not in the account when they closed it. How can this be legal? I am so sickened beyond belief.
AKRON OHIO, OHIO -- We deposited all our money in your bank and it was a subtantial amount. Now they won't let us in our account. They are holding our money hostage.and we still haven't been able to access our money. The main branch here refused to talk to us. So bacically Citizens stole our money.
PENNSYLVANIA -- This has been by far the worst experience and trying to find a home loan that I ever have been through. Nobody communicated very well with each other. Just to make a house payment is a pain. I'm still trying to get online and make my 2nd house payment and it keeps telling me to reset my password. Reset it and it still doesn't work. Recommend going with somebody else. Save yourself the trouble.
PO BOX 1790 FLINT, MICHIGAN -- My family as well as the rest of the country has fallen on bad times. I am a boat owner for the last 6 years who has struggled with a payment that was never supposed to be mine longer than a month. To make a long story short, I have had to struggle with this burdensome payment that has put my family's well being at an additional risk since I have been injured, laid off, and lost my personal business.
I had advised Citizens of my job status, communicated, asked to have the loan modified, I made sale efforts recently and successfully was able to sell the boat, or so I thought. I connected the bank and buyer and both parties had decided on a price of 20k discounted from 27k and to take the boat on a cash deal.
The auction price of this particular 21' Crownline and trailer even with the low 300 hrs would probably bring 10 to 12k I had been advised by many local boat dealers and buyers. All that being said, we the buyer and I asked the case worker lady to provide us with the bank wiring instructions and the buyer would wire the 20k immediately. The buyer had viewed and inspected the boat and immediately offered 5000.00 Cash to put down and to wire the balance within 24 hrs!
Apparently bank changed their decision without warning and did not provide the wire instructions to us or answer our constant phone calls for two days... I personally called at noon to the bank and asked politely via our case workers voice mail to please call back so we could find out what's was going on? 45 Min before their close of business time on the 10th of November (the dead line date), the nice lady who I had been dealing with got nasty and said we had not called and that we were now passed the given dead line!
I was very angry and asked if they were one of the banks that had taken the federal bailout money and if that was how they were going to pay my boat off and double their money? After the heated discussion I offered to return the boat and even drive it to the repossession man who I had spoken with multiple times previously. After hanging up at 5:00 pm the buyer called and said he spoke to the seller twice and was waiting on final closing instructions and we are still 8 days later!
I am trying desperately to keep a repo. And or a bankrupt off my record by paying this boat payment by feeding my family Mac and Cheese without gifts special treats or turkey for holidays and Christmas the past 2 years going on 3 we were on temporary disability and loans from friends! I can't believe that America is being manipulated by such crooked banks and employees! This is crippling Americans and our economy!
Instead of Citizens Bank of flint Michigan taking nearly double the auction price they would rather bankrupt a small American family who has taken bread off their table and assumed a personal responsibility for helping their institution sell a boat saving the bank thousands in repossession and legal costs!
These selfish narrow minded folks are not willing to do their jobs and cooperate civilly to save their corporation from a larger loss that might require them to do their job correctly and fight to help a fellow Americans family who cooperated and communicated honestly during the loan, and went out of their way to find a solution to their own personal 6 year family problem rather than take the easy way out and bankrupt on their personal debt!
Shame on these crooks in flint. Imagine this; if every boat, house, or car owner in default would try to be responsible, citizens could save 10 k per loan possibly like I am trying to! At that point citizens might be able to fix this little balance problem they have.
Companies » bank (public) citizens republic Bancorp $300,000,000 committed 0.3% of bank bailout commitment 0.1% of total bailout commitment. Disbursed $300,000,000, returned $0 revenue to gov't $13,875,000 net outstanding $286,125,000. Jump to table of transactions, profile, sec filings, Google finance static map? Corporate headquarters of citizens republic Bancorp. Flint, Mich. See all recipients in Michigan.
NEW BEDFORD, MASSACHUSETTS -- I have a checking account with you (**) and in 1 year alone you've charged me over 1500.00 in overdraft charges and sustained overdraft fees. I demand you refund all my fees within 72 hours, not 2 months like last time. As you know Citizens Bank has a class action suit against you for exorbitant fee charges. Please respond immediately. I can be reached at **.
You chose to do nothing and leave me to be responsible for the charges which is UNACCEPTABLE. I opted out of overdraft coverage MANY TIMES, the most recent being JULY 2013 and ** said he would monitor my account to make sure I didn't opt into overdraft coverage which I NEVER did and ** did not monitor the account as he said he would. Since July 2012, Citizens has charged me over 1500.00 in overdraft fees, what's the point in opting out if you're going to charge me anyway.
One time, recently, Citizens charged me over 100.00 (overdraft and sustained overdraft) for a 1.29 charge to iTunes which put my account in the red be less than. 75 cents. After my last letter of 2/1/13 I finally got a callback 2/7/13 and was told the only solution is put limits on my account. Why should I be penalized for your mistakes?
I'm on disability so one overdraft charge of 37.00 is like 137.00 to me. Just because I'm disabled physically doesn't mean I'm disabled mentally. I'm smarter than most people give me credit for. In fact when I graduated college it was in nursing with High Honors. Not only am I smart but I'm very persistent, particularly when I'm being messed with, like now.
I have tried to deal with just Citizens but now I'm going to send this to the media, and put it in my blog. I'm also going to seek a lawyer regarding this. Just because you are a big company with a lot of money doesn't mean you can screw the little guy without ramifications, as the recent class action suit against you proved. Of which you settled to pay 137.5 millions small potatoes when you stole billions from customers.
If you think "stole" is too strong of a word think of it like this, if someone came in your bank demanding money, wielding guns and wearing a ski mask, that would be considered stealing, your bank is essentially doing the same thing minus the guns and ski mask. If you're looking for a bank, avoid them like the plague and if you already have an acct. w/ them RUN.
NEW JERSEY -- About 2 years ago I paid off my 2003 Chevy Venture (early) After paying it off my wife called and said we never got the title in the mail they informed us that it takes some time and I was not concerned as it was paid off and I was planning on keeping it for some time. Last week I go to trade it in my car and told that I need the title. Instead of waiting for the bank I go to NJ MVC to get a duplicate one at a cost of sixty dollars to speed up the process.
MVC tells me that Citizen bank still holds a lien against me from two years ago. I find this very disturbing and go to the local branch in Haddon Hts NJ and they tell me it's paid off; but that they have had similar complaints from customers in the past. They put me on the phone with a subcontractor who handles the auto finance who says yes your car is paid off but you need to pay MVC/dmv their fee but only after you provide us with a credit card so we can charge you another fee for giving you a letter saying you paid off your loan WTF. I say no way. Eventually customer service at the local bank helps and says I will have a faxed letter showing the lien is paid off within two day.
Two days goes by and they tell me it was entered wrong and give them a few more days a few more days go by and they tell me they can't help and I have to call this third party company they use and speak with **, who then tells me it's my fault they never dropped the lien because I never answered a questionnaire they say they sent out two years ago and she will need a credit card to bill me for her services before she can help me- and then tells me she'll call me later. Help someone. They mess up and want to charge me and I would actually pay the fee at this point but they tell me after I pay this fee to get a copy of a letter- that they will mail it out in 7-10 days. What awful service.
MASSACHUSETTS -- I opened an account with Citizens Bank in December 2016 (around the 10th or 12th not sure of exact date). I was told my debit card and PIN would arrive, separately, within 7-10 business days. 2 1/2 weeks go by and nothing. I then call and am told a 2nd debit card would be sent with the same PIN as the first. I explain that the first was never received and am told a PIN will also be sent. My card arrives a week later, no PIN, I wait 2 days, still nothing and call, "It will 100% arrive by tomorrow". 3 days later, still nothing.
I call again, speak to the RUDEST man, I am told that a 2nd PIN was never sent and that it would be $12 to get another sent because I want it expedited since it has now been over a month with no PIN and I am severely limited on my card due to this. He says that it doesn't matter, Citizens holds no responsibility for me "not checking" my mail. Mind you, I have received every other piece of mail sent to me and he also just admitted that a 2nd PIN was never sent as promised. When I stated that the 2nd PIN was never sent he denied ever saying it, before every call it is said to be recorded, I told him to put me on hold, rewind and listen to himself.
After dealing with his lies and rudeness for another 3 minutes, I asked to speak to a supervisor, I refused to pay the $12 fee. I was put on hold for FIFTEEN MINUTES AND NEVER GIVEN A SUPERVISOR!!! But the jerk got back on and could all of a sudden waive the fee. I was told the PIN would arrive emergency status by Monday, and no signature needed.
Well, today is Tuesday and no PIN. I call again and get Gina, she was AWESOME and the ONLY reason I am not closing my account. She explained that the jerk from Saturday did not put my delivery through until today and also that she could set up my online banking over the phone with no PIN (a question I asked in every single previous call). I called tonight with every intention of closing, but Gina changed my mind. I will still close if I have one more even slightly bad experience with their customer service reps, they should all be like Gina, she is great.
BOSTON, MASSACHUSETTS -- My husband and I are middle aged citizens and we're trying to refinance our home with my husband working full time and me as a part time worker were offered by Citizens bank a refinancing option to our current home. Since we maintained accounts with Citizens bank, we trusted their offer and began the loan processing in July, 2012. I've to let the world know that it was nothing but a nightmare process and now after six months still they didn't close the loan and we lost the deposit $450.00. Citizens Bank's loan dept literally taken us for a ride.
We've submitted all the long list of documents within two weeks of the initial processing. Then started following up... 2, 4, 6, 8, 12 weeks passed by... After 4 months they started asking the same documents we've submitted earlier... We're helpless and the worst part about this was, there was no explanation from the Citizens Bank side, why it took so long for responding and queries, and what they were doing with our files. For them, the customer satisfaction has no value in it.
We did not understand how such a huge mistake could have happened. Almost six months later they started requesting the same documents and other list of verification again... We kept on requesting them really humbly to stop this processing fiasco and refund our hard earned $450.00. The Citizens Bank simply replied NO...
We lost our deposit money as well as 4+ months of reduced monthly mortgage payment. The Citizens Bank dragged us to this nightmare went with no remorse or apology. It's hard to imagine such bank can do to the long standing customers. If you are considering Refinancing/Financing loan with Citizen Mortgage, our humble request to run away from them and don't ended up a prey like us. Please stay away from them for loan purposes.
HALIFAX, MASSACHUSETTS -- I opened 2 checking accounts and an IRA with Citizens Bank in Halifax, MA. Over the past few years, the mistakes had gotten to the point where I had to check my personal account as well as my business account to find the errors made, call the bank, and have them corrected. Long story short, I ended up closing my accounts, and going with another bank.
I received a call a few days ago from Citizen's Bank regarding some charges that were processed (against my CLOSED account) and was told I would have to visit the local branch, which I did today. I explained the situation to the robot behind the counter, who simply kept repeating, "when you have a pre authorized debit set up, we honor it." Apparently, the changes to my new bank information from PayPal did not 'go through' and they went to Citizen's for payment.
I had a credit submitted for a returned product on the same day I closed my checking account, so, without telling me, Citizens re-opened my account and started processing transactions against my overdraft protection. When I explained that I had closed the account, I got the same answer repeatedly about the "pre-authorized" debits. As I explained to the teller, I wouldn't "authorize" a transaction on a CLOSED account because that would be FRAUD.
I have to contact the "manager" tomorrow to see what he says, but this has been an exercise in frustration, to say the least. To have a bank re-open a closed account, instead of sending notification to the companies looking for payment that the account was CLOSED, is ludicrous, and almost seems illegal. If anyone can advise just WHO oversees banks, and their operations, I would be very appreciative to know that information. In the meantime, STAY AS FAR AWAY FROM CITIZENS BANK AS YOU CAN. Go with a local Credit Union, or anywhere else!!!