After a long string of very frustrating experiences with Citizens Bank, I didn't think it could get any worse until they charged me a fee for a debit when I had the money in the bank. The sequence of events was:

-Two debit purchases on Friday (had plenty of money to cover these)
-Check I had written was cashed on Saturday (overwithdraft charge ensued; I didn't transfer money in time)
-Debit purchase on Sunday
-Deposit on Monday (labor day) to cover the check in case


Result: They processed my Friday debits the following Tuesday, even though I had the money in the account to cover them at the point of purchase. I recieved an overwithdraft on Tuesday, following the labor day weekend, for FOUR PURCHASES... when I had plenty of money to cover my 2 purchases on Friday. I used a DEBIT for my transactions, mind you, but they allowed each charge to go through anyway. Their explaination was that it was because it was after 3:00pm on Friday and it went in the system as next day business. I searched their policies online and it states:

"When you withdraw funds from an ATM or make a purchase with your debit card, the funds will immediately be removed from your available balance."

Not to mention, they processed my check first, the charges in decreasing order of amount, THEN my deposit.

I was charged $39 for every single one, at a total of $156.


This is WRONG and UNFAIR. If you read their rules and regulations, each one is intentionally written to be ambiguous to work in their favor. Additionally, most people who overwithdraw can't afford the ridiculous fees that they are charged. Something needs to be done about this.

I have had my Citizens account for over a decade. I have been unemployed for 6 months in this economy and barely getting by. It is a struggle. In the past week, due to my unemployment check getting posted a day late, Citizens allowed 7 charges to go thru for gasoline ($27), groceries ($55), Walgreens ($8), and 4 other charges all of less than $25. I was charged a $39 overdraft fee for each and every one of them totalling $234 and a total of over $300 in the past week. That is nearly one-half of my unemployment check! I asked why they allowed the charges to go thru and they said "With the small amount of each charge, we see it as a customer service to allow them to pass" - even though they charge ME more than any of the charges actually were! Now I don't have enough in my account for my child support check. What a rip-off!! And they refused to credit any of those charges back! THEN they offer me an application for overdraft protection, that they turn down because I have "insufficient income".

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.

Someone did thousands of dollars worth of fraudulent activity on my checking account over at least a nine month period and I the bank would only reimburse for 60 days of that fraudulent activity and I can't get anyone to help me get my money from the bank not even the fdic or the ms dept of banking and consumer finance. I'm talking over 10k. Can anyone tell me how I can get my money back. All of it.

About a week ago I made a return to a P n C from a debt/credit card purchase the same day. I asked the individual if my account would go through right away. She said "most of the time it does". So I tried to make a purchase and it went through. Everything was fine until I went to the bank and asked how much money was in my account. That's when I felt my heart sank. The teller said it was in the negative, by a lot. I asked her to print up a copy of my account history. She said she could, but she ignored me as though she was deaf when I asked her if she was going to print up my history. Before they have always done this. I explained the situation and she promised that my account will be corrected as soon as the refund displayed into her computer. The next day I signed into the account on the internet to see if there were any corrections made by the bank. None were made, in fact the amount in the negative greatly increased. So I called the number on the back of my card and spoke to a lady from the bank and she said the account would be in positive and that the bank would have my money available as soon as the refund went through. The next I checked and it didn't go through and amount again increased. I was being charged for purchases made after the refund at the P n C. Since the money was never really deposited that moment back, and my account was being charged even without the money in my account, after being told chances were it would be. Anyways I called the number again on the back of my card. To make a long story short I went through about 14 different customer assistance employees, including supervisors all to find out that they would only to erase a portion of the money the internet was saying I owed back in. Not to mention I had to file a complain against one of the supervisors I spoke with. I told him what the lady said the previous date about 11 dollars being back into my account after the refund was shown to have gone through. (That was another thing that tried to upset me. The groceries were returned two days before the bank said it did according to their internet website.) Anyways the man I spoke to name was spoken harshly so I couldn't understand what he said. He sounded the way a shocked criminal sounds when an officer catches them in the act of committing something unlawful. I did speak with another supervisor who told me he could only return 117 into my account ( a different person than earlier) and he was an excellent listener and a pleasure to have a conversation with. I feel like a child would if he were given a lollipop at the bank and then on the way being told that would cost him/her more than they would pay for.