Comments on: Banking Nightmares, Citizens Bank = BAD

By: Pamela is full of crap

Pamela is full of crap — Mon, 14 Jul 2008 22:46:47 +0000

Pamela, that is bull. People with bad credit can still get jobs, even if a background/credit check is required. It is true that it is more difficult to get a job in certain industries with bad credit, but ONE bad mark on 30 years of “pristine” credit will not keep you unemployed for life.

By: suz

suz — Mon, 28 Jan 2008 15:44:34 +0000

I’ve been a PNC customer since ‘96, but just closed the PNC accounts and moved to a credit union after the following BS incident occurred:

I went out of town a few weekends ago to visit friends. During the course of the weekend, I made a number of transactions (10) using my PNC check/debit card, and I had plenty of cash to cover all of them. When I returned home and checked my account, all 10 transactions were showing up in the “pending” section of my account (which means the funds had been reserved), and I still had a balance of over $200. The next day I checked my account again. The 10 transactions were still showing up as “pending” but there was a new charge I hadn’t anticipated which overdrew my account by $15. (It was an autopay that I was expecting to post the following week.) I thought, “Oh crap. I guess they’ll kick that one back and charge me the $36.00 fee.” I was annoyed with myself for miscalculating the date, but was willing to accept the consequences. However, when I checked my account again the next day, what I found was quite horrifying. The lovely people at PNC had posted my transactions not chronologically, but by highest transaction to lowest, so the $200+ transaction hit first. The result? My account now looked as if I had no money in it when those 10 transactions occured, which was not the case. I was billed $360 in overdraft fees for a $15 overdraft. Even though I had been a long term customer (and a “good” customer, according to the first person I spoke with) they refused to reverse a single charge.

By: Pamela

Pamela — Fri, 25 Jan 2008 14:14:00 +0000

My sister had life savings of$12,000 stolen from her checking.
Citizens Bank allowed them to overdraft by $800.00. She prosecuted and he pled guilty.They did not insure funds, reported the overdraft to her credit report which was pristine for 30 years.
Now she can not get a job! DO NOT put large funds in Citizens Bank.

By: Baby, it’s just business » Banking Nightmares, Citizens Bank = BAD

Baby, it’s just business » Banking Nightmares, Citizens Bank = BAD — Wed, 07 Nov 2007 15:45:22 +0000

[...] read more | digg story [...]

By: Tom

Tom — Wed, 26 Sep 2007 15:23:32 +0000

I know how you feel I’m going through the same thing now

By: Joseph Crawford

Joseph Crawford — Sat, 12 May 2007 20:34:27 +0000

Well now your comment is just too funny. Obviously you did not read the entire post. I stated that I know it is wrong to go into the negative but when you deal with companies like Unicel it tends to happen.

This time that I went into the negative I had paid most of my bill with Unicel, I then had them post-date a check for the remainder that would be processed that Friday. Rather than post-dating the check they put both of them through the same day which pulled me under.

I have checked with Citizens Bank and their terms state that if you are overdraft for more than 4 days the fee’s are $38 per transaction. There were many occasions when I had the funds in the account the next day. In this case the fee’s should have been $17 per transaction according to their terms but they hit me for $38.

I contacted the bank and obviously they just do what they want. They will not refund any of the transaction fee’s that they over charged on.

Anyway I am just waiting for my account at Citibank to complete the opening process and I will be closing the Citizens Bank account.

By: Kayla

Kayla — Sat, 12 May 2007 15:06:36 +0000

Tough! Stop spending money until you actually have it! Then you wouldn’t have this problem! You deserve everything you got. If you really paid “$5000.00″ in charges last yr then obviously you are not keeping very good track of your money.

sincerely,

a fellow banker