Citizens Bank

Citizens just doesn’t handle credit well. I have been a client for about 15 years. Citizens does the checking and bill pay well. I really like the folks that work at the various locations. They clearly have the site specific customer service part down, but they can’t handle the credit marketplace and should just consider not offering credit related products. Their approval requirements are so conservative and strict that they send a message that they are overly-​hedging their risk to the point of ridiculousness. Just let it go Citizens… you can’t handle it. Be it student loan consolidation, or credit cards, or any other credit bearing product, your company is very sub-​par, and this implied fear that you demonstrate undermines your credibility regarding the things you do well. I was two days late on a credit card payment transfer from my checking. My punishment… chopping my credit by half. My problem with that is the fact they they never informed me. My luck is that I pulled out the Citizens Mastercard when I bought my Aunt and Uncle dinner. It was declined! Had I known they decreased my limit, I could have avoided the embarrassment and my relatives thinking that I am indigent. I could care less about the card, and frankly could easily do without a card with a $ 500. limit (but that still represents an amount that probably keeps the Citizen’s upper credit managers sleepless at night). I was compelled however to call Citizen’s customer service to explain my disappointment over the lack of notification. The response was to point me to the (typical) fine print on the original agreement that asserts their ability to change the limit at any time. I mean, we all read that jargon, but I guess we all assume that would be preceded by some type of communication to that affect. The «good news» the customer service representative shared was that a letter did go out in the mail that day telling me that they made a change. That info fell on deaf ears, I was too busy cutting that stupid Citizen’s credit card up with scissors. Bad, bad, business model. And who the heck trains their customer service people to treat decades long clients like they are underlings? Really very insulting to deal with you Citizens bank.

My account went negative because of a citizens checking fee for non activity and every day it went negative there was another charge. I now owe $ 105.00. I went to the bank and they reduced it to $ 48.13. but that is all they would do for me. There was a big news article on
how a cup of coffee can cost u $ 40.00 citizens but they were removing those fees. I guess they never did because my cup of coffee cost me $ 48.13