Citizens Bank

I will be ending all business with this criminal bank next week,wells fargo issued me a check verified it the following day and this scumbag bank told me for days it was wells fargo not verifying the funds,well low and behold I went to the Payee wich is Carmax and they proved beyond any dought citazens was lying to me,So lesson learned they sucked on the 80s and worse now,HOPE citazens made 100.00 screwing me for 6 days with there hold

After several years, documents, phone calls, and overnight mail fees to establish access to an IRA account of my late husband held by Citizen's Wealth Mgt. Fund; Citizen's said all accounting was in progress and I was assured the funds would be made available to me as the beneficiary. I was sent docusigns a few weeks ago to complete by Citizens, and subsequent letters with the account information. I was also told several times, everything was fine. Yesterday, a very rude individual I had never spoken to called and treated me disrespectfully acting as if I were trying to jailbreak an account. I was told for the first time I was not a beneficiary, they had no records, did not know why I was calling, and denied any explanation and did not offer any follow up or phone numbers to assist in looking into how this account was so mishandled. A last call back was met with disdain and refusal to supply any reason why this all transpired after an exhausting process and assertions by an attorney. I provided Citizen's bank with the email from the attorney who had written to the bank over 2 years ago. I have attached supporting documents that show more than one individual believed the process was routine, and the beneficiary clearly designated. I have even submitted a letter from Citizen's bank notifying the Executors of his estate who the beneficiary was with Citizen's bank letterhead. Smoking gun demonstrating incompetence. Please forward this information to a higher up department, because an apology should have been offered if all of this was a major mistake, and if everybody was lied to and poor handling on Citizen's end. I also do not want to get robbed by a bank. If the individual who sent me a link yesterday to upload my documentation is wrong; she should be reprimanded for being rude. Estate matters are a serious matter and should be handled with respect which she lacked to the core. I never asked for this fiasco

Be very careful with their ATM machines. I had a transaction where I was trying to withdraw cash. The machine debited my account and then said there was a dispensing error and the transaction was canceled. I did not receive my money but the money was deducted from my account and 2 weeks later has still not been credited. No one from the bank will return my calls so I have had to file complaints with outside agencies.

DO NOT ATTEMPT TO OPEN AN ACCOUNT AT CITIZENS BANK!

I received a promotional offer from Citizens to open a checking account and savings account.

I opened these accounts, only to have them be closed within days without warning and without ANY explanation from the bank.

An associate took a guess as to why the accounts had been closed; one of them said they would find out why and give me an explanation by calling me on the phone -- they never called.

The associates were generally unsympathetic as well, offering zero sincere apologies.

Why was I given the offer if my accounts were just going to be closed? Why were they closed? Why was I not called back? Why is no explanation forthcoming?

Anyway, this is a bush league operation. Stay away.

Avoid Citizens at all costs. I ended up with Citizens because HSBC sold off their lower balance checking accounts to Citizens. My experience has been terrible. They issued me 2 different credit cards, one with a 26 percent interest rate, and now they won't transfer the balance to the lower interest card because of some bull$#*! "introductory period." I have no idea how I ended up with 2 different Mastercards issued by Citizens, but when I went to the bank the other day to withdraw money, the teller tried to sign me up for another. Prior to that they were charging me absurd fees for having a low savings account balance. Their hold times are atrocious, the calls get dropped frequently, and you almost always have to ask for a supervisor for help because the people who answer calls have heavy foreign accents and can't answer the questions anyway. AVOID!

Customer Service reps LIE or hang up on you and are not helpful, this bank is a dumpster fire of a mess. If two people's names are on an account and you close it because of the extreme fees they charge you. You're just S out of luck even if your name is on the account. They will only send the closed-out check to what they say is the primary account holder... even if your name is on everything too, including the checks. The check they send is only addressed to one person they deem primary. Even if the CSR says otherwise, LIERS! This dumpster fire of a bank will only make the check out to the person who is the primary even if your name is on the account too. And not close out both checking and savings! It's a dumpster fire of a bank. Avoid it like the plague!

I have been with citizens bank for over 10 years, and since they sold out to another investment entity they seem to reorganize your withdrawal and checks to deliberately overdraft your account.
They will hold checks for weeks until it will overdraft your account and charge you $35 fee. Or 5 of them.
Even if its deposited the same day by payee.
And the customer service are very difficult to understand their broken english and are very rude and ultimately have no real interest in resolving your issue especially if it benefits the bank.
They have a history of transferring your call to "a specialist " but nobody ever answers the phone.
Can anybody find a main office phone number?...good luck on that
This bank should be shut down for theft of funds.

Changing my mother's bank from Citizens due to poor telephone customer service. Have to wait over 30 minutes or more. Then get transferred to a different department to start the wait over again. This is a major inconvenience.

I opened a Home Equity line of credit with them years ago which I stopped using a long time ago and fully paid off the balance, but they had connected a checking and savings which they forced me to open together with HELOC, they kept deducting monthly fees and even after I asked to close my account, finnaly I had left a few dollars in the account and would not close the accouynt by sending me the money unless I go to a branch, so spent hours on the phone with them one agent dosnt agree with other agent on policies their site is very unprofesional to see where your acciunt is up to, just a unprofessional bank eating your money

During covid we were offered the forbearance plan and told that there are no penalties. We were also told that when it came time to start paying our monthly payment again that the missed payments would be added to the end of the loan. So the promise was that they extend the life of the loan, the interest rate goes down and that the monthly payment would go down too. Years later after dealing with them claiming they supposedly didn't receive my "complete" loan modification packet (which was confirmed via email AND A LETTER WAS MAILED TO ME STATING THEY RECEIVED THE COMPLETE PACKET & I WOULD HEAR FROM THE PERSON ASSIGNED TO ME) all of this was a lie. My payment has gone up, my interest rate has gone up AND I received an escrow shortage letter of $38,000! Not once did they contact me about the escrow shortage. They waited until it got to $38,000! They want $6,000/mo now because of this. On top of this due to a divorce I need to remove my ex wife off of the loan and originally they told me they can do so during the loan modification process with a divorce decree. Again another lie! Every time I try to get answers no one can help me! Customer service can't help because the loan is still in loss mitigation. Not even "supervisors" or "managers." They can't connect me to someone who can help either! When I speak to loss mitigation they repeat the same script over and over again and refuse to connect me to a manager or say that they are unable to help too. So please tell me how a company this large dealing with thousands and millions of dollars cannot help! How are all of these employees so incompetent and how can I not be connected to somebody who does have solutions? Who is running the company then? I will be refinancing asap to get far away from this bank. I do not recommend doing any type of business with Citizens. Not only have they screwed me financially but they have worsened my mental and physical health. Disgusting!

After multiple times of having to change my password to monitor my checking account, their Online Banking department decided to freeze my One Deposit checking account. They did not explain why they decided to freeze my checking account. Totally rude. Do not bank with them.

Awful service. Don't waste your time. Very unorganized. Lack of communication and clarity. Took over 30 days just deny right before closing.

Customer service is pathetic. My home loan was purchased by Citizens several years ago from another bank. I do auto withdrawal and have for the past 10 years. This month they screwed it up. I think it is the second time in the 10 years, not bad. But, try to talk to someone to get it fixed? Forget it. When I finally spoke to someone, albeit in a foreign country, the connection was so bad they were almost impossible to understand... and then incompetent, and needed to transfer me to another location where the wait time was "more than 30 minutes", wow. Choose a different bank.

Citizens Bank is horrible, the worst bank I've ever had, possibly the worst bank overall, and they cheat customers. Worst overall customer service experiences. Wait on hold 2 hours and finally give up waiting. Their website may not work when you need it. I can't even pay my bill and now past due with a $40 LATE FEE. How about Citizens Bank can go and die. Last thing, they once opened a credit card in my name after I told the Bank person no over and over.

I called customer service yesterday at 5:00. After a half hour on hold with really loud music I started a chat help. Another half hour on hold to be immediately transferred and be on hold for a half hour. No response from the chat either. Gave up on everything. Next morning at about 7:00 am I get a text from Citizens chat "How can I help you?"!

I would never put money to the Citizens Bank. It has been taking monthly fees without letting me know even I have set up automatic transfers as active accounts. When I called, Mr.Walter, the customer services manager from Citizens bank, he said he will Not give my money back. I told him that his coworker FORGOT to set autotranfer in one of my accounts. He said not his problem. So I quickly closed all my four accounts withdrawal all my money from Citizens Bank. I scared. The Citizens Bank customer services made mistakes not to do one of my account to transfer fund between my accounts I asked the bank to check the record, Mr. Walter supervisor from Citizens blamed on me to checking of myself. Past 6 months I have never received an email, mail or text or a call from the bank for these charges or fees. Instead I only received email that my account auto transferred information, so i thought they wont charge fee but i was wrong. Six months ago i trusted the customer service that he set up all my accounts into automatic transfer, my accounts would not be charge any fee. The sad thing was he told me not to worry because he did all set up, unfortunately the Citizens bank's customer service didn't do his job right or lack of his training made mistakes with my accounts. So one of my account he got missed it and keeping charging fees until i walked into a branch and found out of myself my money was gone with their charging fees for months without notice. Bad customer services on the phone with attitude from the Citizens Banks. I closed all my accounts immediately because they took my money of their mistakes and i was told The ONLY exception to get my fund back is to open an CD account with new money deposit that i could able to give credit back to me, the branch manager said. Don't trust Citizens bank nor their services, I will not do business or put money into this bank.

I have been trying to close my checking account ever since they bought HSBC. Man, who knew that closing a checking account that has no balance on it would take hours and hours of phone calls. Spoke to 4 reps; was promised by the first one that account would be closed. Didn't happen. Got charged $50 for reasons that are beyond me. Called back, offered to pay off the -$50, took another 3 phone calls to finally get people to understand my request. One guy even told me that my account can be re-opened any time at the discretion of the bank if more charges are posed to my checking account. So basically, I will never be able to fully shut the account because Citizens Bank can reopen it anytime? Nothing I was told makes sense.
One thing I do know is I would do everything I can to make sure I will never, ever do business with Citizens Bank again. Their lack of professionalism and the inability to provide consistent information is why they cannot beat banks like BoA, Chase, and other big guys.

Their customer service people are barely intelligible due to heavy accents, their fraud claims follow-up is a joke and their 'new' website for online banking hasn't functioned in a week and I cannot access my accounts.