My husband has an auto loan with Citizens Bank. Every month, they say they didn't get the payment on time and start calling my house the day the payment is due to inquire as to where the payment is at that time. Although the Post Office's services are not that great anymore, I find it very hard to believe that every month my payment is held up in the mail. This month, they said the payment never arrived...so I paid it over the phone. They charged us a $10 late fee and a $12.50 processing fee to do so. The next day, my original check that was "lost" in the mail cleared the bank ...which means they had it when they denied having it!!! A week later, they send me a Statement stating they never rec'd. any payments. I called there and they won't discuss it with me because it is my husband's loan, but my husband has at least a dozen times authorizied them to speak with me and even sent it to them in writing. They say they never received the authorization. I am reporting them to the offices of Banking and Insurance.

I use online banking, I receive direct deposit and I am constantly checking up on my online banking. I stop at the ATM today and notice I am suddenly negative 240.00. WOW. yesterday I checked my account and I had POSITIVE 59.00? Not only was the customer service representative extremely rude she didn't even actually listen, simply told me to get overdraft protection and shes sorry. Sorry for... what...? I am a struggling college student and you say sorry for screwing me over? because you HELD all fees until it was up to 240.00. Horrible company.

Citizens Bank charged $74 in overdraft fees for a $35 recurring item that was presented against a balance of $27.98, a $7.02 overdraft. That is a 1, 054% transaction fee!

The $35 item should not have even been honored in the first place, because it was for a debit transaction on a card that had been canceled. Citizens Bank decided to drop MasterCard and forced me to switch to Visa, and I had started to use the Visa debit card weeks before. So the transaction should never have been honored.

When I explained all of this and that I wanted to have the charges taken off my account by two different members of Citizen Bank's call center group in Ashville, North Carolina, they said there is no way they would reverse the charges.

Both customer service people, Shauna Payne and Ryan Walkenshaw, identified themselves as "Supervisors." It appears that is part of Citizens’ strategy – everyone is a supervisor so there is no one available to transfer calls to. They each refused to let me talk to anyone else to escalate the situation.

The conversations were being recorded. They both said they would be happy to leave a message with someone to call me back, but there is no way that the overdraft fees would be waived by anyone at Citizens Bank.

I told them if they cannot get me a manager to speak with today, they need to put the funds back in the account today and we can resolve the issue when they call me back. I told them that I had made a deposit in the account to pay an important bill, and the $74 that they took out brought the balance down to a point where there is not enough to cover the payment. They both said that was not their problem.

Shauna Payne kept talking over everything I said. At the end of the call, she claimed she would transfer me to a manager's voice mail, and transferred me to a disconnected Verizon mobile phone.

I can't imagine how they can get away with this. Think twice before opening ANY account with Citizens Bank at this point!

I just opened an account exactly 27 days ago today and almost from the very start I have had nothing but issues with them! They held my first deposited check for what was only supposed to be 3 days, according to my online info. When I went back into my online banking account my hold date was changed from 3 day to 7! I called and they told me that was strange it should not have been held that long it is probably a mistake it should be released in a few days if not call back. It was not released so I called back and I was told it was held longer because it is a payroll check and it will be held that long for the first time and after that they would release the check in 3 days tops the next time.

I deposited another check and the same thing happened it original showed a realaese date of 3 days so when I went in again the date was changed again to not only the original 3 days but an additional 7 days at total of 10 days!!! I immediately called and this time I was told oh your account is new we hold all check a minimum of seven days for new accounts until the 25th day. I was furious because they never said this to me in the previous other calls! So now my check is due to be released on the 27 day. Why on the 27th day I said? They said oh because of the weekend. I said you considered the weekend int the 25 day time period they said YES! So I go to the bank and deposit another check on my 27th day since opening my account and I once again check my hold status only to see my check being held for ANOTHER 7 DAYS!!! I had enough in the account to cover this check completley but yet they held it again so I called again and I was told oh the teller has the discretion to hold for as long as they feel they need to. Can you believe this crap!!! I called the bank branch to check this status of the teller having the discretion to place holds on the account, I spoke to assistant Manager Todd Bloom in the Warrington PA office and he basically told me that NO the tellers do not have this discretion and that is the policy a 25 day hold BUT there were 2 holidays in there. There is only one holdiay and I have passed my 25 days and he laughed and said there is nothing he can do for me that is policy after telling him I do not appreciate him laughing at my situation because I have bills that need to be paid and DO NOT HAVE ACCESS TO MY MONEY and this is completely unacceptable I hung up with him!
I then called the customer priority line 401-464-3740 to talk with Pauline and she was the one told me when I spoke to her that new accounts have the 25 day hold status. She gave me the same song and dance! I told her every time I called there I received a different answer or different policy that accommodated them being able to hold MY MONEY!!! This is the worst bank I have ever dealt with! I am getting out now before the fees start coming. Horrible policies, horrible customer service, horrible bank managers horrible contact info they change their minds like the wind, just to hold onto your money. This is no different then robbing me for a week and then saying oh here you go I will give your money back no recourse! If I took something that wasn't mine and held it and tried to give it back it is still a crime isn't it!

Run while you can got to a credit union or a small local bank for the service you should be getting! I will stop with this write up I will get to Ellen Alemany Citizens Bank CEO if it is the last thing I do!!!

citizen bank is a rip off they charged me 420.00 for a overdraft of 2.00. I am currently on unemployment and have a newborn baby. my unemployment goes into my citizens acct. every Tuesday. When I called my account they said the funds are there when I go on line they say the funds are there. But citizen bank always find some way of saying you owe them. How can a 2.00 turn into 420.00.

CITIZENS BANK IS A RIP OFF