Citizens Bank

Kelvin Z is the rudest and most unprofessional customer representative/manager I have dealt with. He reluctantly refused to help in any way. I will not bank with Citizens Bank.
DO NOT PUT YOUR MONEY IN THIS BANK AS THEY ARE BOUCH OF THIEVES. Even if, you have 2 to 3 times your spending limit, they will refuse to increase your daily spending limit.
Kelvin Z told me CITIZEN BANK does not have all my money available.
SAVE YOUR MONEY AND DO NOT BANK WITH CITIZEN BANK.

Do not get involved with them. It is a deep dark rabbit hole of poor service and extreme exploitation of customers.

Lacy Cooper is a worthless Manager. They should send her back to the unemployment line. I suggest that the bank fire her immediately.

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!

Extremely difficult to actually withdraw your own money (which is kind of the point of having a checking account) - to the point I'm switching back to my prior bank that now has locations in RI. What a joke - for months now whenever I try to withdraw my own money from my own checking account at any ATM it is flagged as fraudulent event though I respond to their "fraud" texts and calls verifying that it is me - and to be clear I've never had any fraud on my account in the past - I've tried multiple branches, multiple ATMs drive up and walk up - all make me go through the PIN and bill selections and such, only to decline the transaction as fraud (and their ATM screens are so slow and unresponsive this takes minutes for each attempt). Then I park and go into the branch and the tellers give me the cash I want and click some buttons in the computer and say no one else ever has this problem with the ATMs, don't know what to tell you - maybe it won't happen next time. They're always very pleasant to speak with but that doesn't help me get my money from the ATM. The card works at the supermarket and in-person inside the bank and online - so the card works. I've called the fraud department and I've called the customer service department. They both say the other department is the only one that can help, and then when I ask to speak to someone that perhaps oversees both departments that might be able to help, they kindly point out that there is no such person and that there is no one above them I can talk to and that maybe it will work next time. This has happened on at least ten occasions since the beginning of 2022. Bizarre behavior for a bank - I'm switching banks as soon as I rearrange my direct deposits and draft bill pays.

Citizens bank is a mess. No customer service, we are withdrawing all of our money.
I am moving to a smaller customer driven Bank ROCKLAND TRUST.
BEWARE OF THIS BANK

I will never understand why banks have the WORST websites in the world. First of all it was extremely difficult for me to even find the proper loan site (for iPhone loans in particular) for months which seems to have been fixed finally but still not totally sure as I have bookmarked the page (learned my lesson). Second, the site looks and acts terrible. If I had to guess they picked some middle schoolers that are in tech class and had them code the site as a fun project or something because its just horrific (same for most bank sites and apps). I just got locked out of the site for two hours after trying every possible password I could have used-I know I did not typo as I tried them all multiple times which is why I got locked out in the first place. As a solution I called the "help" number at the bottom of the page to get back into my account just to be told that I have to wait the full two hours anyways even though I had all my information readily available for the lady. I have never experienced this; I have been locked out of accounts before and when I call, my issue gets resolved almost immediately as I have all the required information and no questions asked. The site is just terrible and customer service is of no service at all it seems. Wasted way too much of my time to just have to wait in the end anyways and all I want to do is update my payment info which you would think they would be all for. Never been so frustrated at a particular site or bank like this before honestly but literally every time I go to log in and take care of business when I need to it's a huge headache. Thankfully I have auto-pay set up and only have to access my account every few months at most. It's like a slap in the face when you throw in the fact the iPhone I "upgraded" to is worse than the one before and I fell for their scam. Done with Apple after this and will never open another account with CitizensOne again.