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  • Report:  #652832

Complaint Review: Citizens Bank - Flint Michigan

Reported By:
Alisha - St. johns, Michigan, United States of America
Submitted:
Updated:

Citizens Bank
P.O. Box 2021 Flint, 48507-2021 Michigan, United States of America
Phone:
8006766276
Web:
www.citizensbanking.com
Categories:
Tell us has your experience with this business or person been good? What's this?
Why are they picking on me?

We, the people, need to fight back! In one month Citizens Bank has taken $500 out of  pocket in overdraft fees. Not a fighting chance to catch up, and still no remorse. It is understood who is at fault here, but it just does not seem fair. First, why would someone want to spend money that does not exist, and hurt themselves in the long run? Second, out of the $500 in fees less than $50 was actually overdrawn. Last, life is hard to get use to on your own, everything was going so well, than all was lost to Citizens Bank.

Yes! Lets overdraw the account two dollars only to pay the bank thirty-six on top of that. Does not make much sense does it? Keep your register handy... Mistakes happen everyone can vouch for that. It was two dollars, can it wait till the next direct deposit? Direct deposit, meaning no matter what, The bank will get their two dollars.

Over the two dollars spent, owing thirty-eight now, more and more overdrafts come through, one for two dollars and twenty-two cents the other for four dollars. These debits all come through right before the direct deposit goes through. Struggling, here is an option opt in or opt out. Opt in sounds good, be able to make sure the moneys in the bank twenty-four hours after overdrawing, one problem now... the debits now come through early.     

Finally, in debt with the bank three hundred eighty dollars, with other bills to pay for, or lack there of. Not to sure how to get by. Twenty one years old, surprised at the world, but mostly disappointed, not what was expected. Learning, Citizens Bank does not care about the people but they do care about the peoples wealth,and they are way to willing to take it all plus some.

Not a chance! Can not close the account or make payments as soon as the direct deposit goes through the money is gone, fall more behind. People should have a choice, even if its direct deposit. That money belongs to someone, someone worked hard for that money, someone needs that money, someone is depending on that money. instead of the money going to that someone it goes to the bank all over a mistake. they call their self citizens bank think of them as the banks citizens as if they own the people, as if your money belongs to them. Now i know where I made my first mistake, that was Citizens Bank.
Date Number
Description  Withdrawals Deposits Balance 
10/19/2010
  OVERDRAFT FEE FOR OVERDRAFT ACH DEBIT 091408597778827
In-process
36.00
-382.24
10/19/2010
  OVERDRAFT FEE FOR OVERDRAFT ACH DEBIT 091408597780785
In-process
36.00
-346.24
10/19/2010
  OVERDRAFT FEE FOR OVERDRAFT POS PURCHASE 000006077470000
In-process
36.00
-310.24
10/19/2010
  OVERDRAFT FEE FOR OVERDRAFT ACH DEBIT 091408597779823
In-process
36.00
-274.24
10/18/2010
  ACH DEBIT SPEEDWAY SUPER A

PREAUTHPMT

101018
2.22
-238.24
10/18/2010
  ACH DEBIT SPEEDWAY SUPER A

PREAUTHPMT

101018
2.42
-236.02
10/18/2010
  POS PURCHASE POS PURCHASE

TERMINAL LK654086

SPEEDWAY 03593 103

ST. JOHNS MI

SEQ # 028800607747

TRAN DATE 10-15-10
4.74
-233.60
10/18/2010
  ACH DEBIT SPEEDWAY SUPER A

PREAUTHPMT

101018
24.40
-228.86
10/18/2010
  OVERDRAFT FEE FOR OVERDRAFT

ATM WITHDRAWAL

000000006930000
36.00
-204.46
10/18/2010
  OVERDRAFT FEE FOR OVERDRAFT

OTHR BNK ATM W/D

000008719950000
36.00
-168.46
10/18/2010
  OVERDRAFT FEE FOR OVERDRAFT

VISA PURCHASE

000001030150000
36.00
-132.46
10/15/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028828103015

TRAN DATE 10-14-10
8.64
-96.46
10/15/2010
  ATM WITHDRAWAL CASH WITHDRAWAL

TERMINAL T1435598

200 W. HIGHAM STRE

ET

ST JOHNS MI

SEQ # 693

TRAN DATE 10-14-10
20.00
-87.82
10/15/2010
  SERVICE CHARGE OTHR BNK ATM W/D 2.00
-67.82
10/15/2010
  OTHR BNK ATM W/D CASH WITHDRAWAL

TERMINAL JM9006

301 N CLINTON AVE

ST JOHNS MI

SEQ # 02871995

TRAN DATE 10-14-10
22.00
-65.82
10/15/2010
  OVERDRAFT FEE FOR OVERDRAFT

VISA PURCHASE

000001010200000
36.00
-43.82
10/14/2010
  SERVICE CHARGE OTHR BNK ATM INQ 2.00
-7.82
10/14/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028720101020

TRAN DATE 10-13-10
9.51
-5.82
10/14/2010
  POS PURCHASE POS PURCHASE

TERMINAL LK654086

SPEEDWAY 03593 103

ST. JOHNS MI

SEQ # 028700507080

TRAN DATE 10-14-10
10.34
3.69
10/14/2010
  POS PURCHASE POS PURCHASE

TERMINAL LK654086

SPEEDWAY 03593 103

ST. JOHNS MI

SEQ # 028700506902

TRAN DATE 10-14-10
10.66
14.03
10/14/2010
  POS PURCHASE POS PURCHASE

TERMINAL KMI81101

KROGER

ST. JOHNS MI

SEQ # 028700001553

TRAN DATE 10-14-10
16.40
24.69
10/14/2010
  SERVICE CHARGE OTHR BNK ATM W/D 2.00
41.09
10/14/2010
  OTHR BNK ATM W/D CASH WITHDRAWAL

TERMINAL F002599

103 S SCOTT RD

SAINT JOH MI

SEQ # 000000001046

TRAN DATE 10-13-10
22.50
43.09
10/14/2010 1270   ELECTRONIFIED CHECK WAL-MART STORES

PURCHASE

101014

CITY=STJO, ST=MI

SER #=1270
29.49
65.59
10/13/2010
  ACH DEBIT SPEEDWAY SUPER A

PREAUTHPMT

101013
4.39
95.08
10/13/2010
  POS PURCHASE POS PURCHASE

TERMINAL LK654086

SPEEDWAY 03593 103

ST. JOHNS MI

SEQ # 028600406443

TRAN DATE 10-13-10
13.12
99.47
10/13/2010
  ATM WITHDRAWAL CASH WITHDRAWAL

TERMINAL T1435032

1103 S. US-27

ST JOHNS MI

SEQ # 5778

TRAN DATE 10-13-10
260.00
112.59
10/13/2010
  ACH CREDIT SPEEDWAY SUPERAM

SALARY

RMR*EI*00805884***

369.21**\

369.21 372.59
10/11/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028328102010

TRAN DATE 10-09-10
5.80
3.38
10/11/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028323101024

TRAN DATE 10-09-10
5.80
9.18
10/11/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028224101024

TRAN DATE 10-08-10
5.90
14.98
10/08/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028120101021

TRAN DATE 10-07-10
5.80
20.88
10/08/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028128101021

TRAN DATE 10-07-10
14.94
26.68
10/07/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028027101020

TRAN DATE 10-06-10
2.42
41.62
10/07/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 444500

DM PARTY STORE

SAINT JOH MI

SEQ # 028022467032

TRAN DATE 10-06-10
6.42
44.04
10/07/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 08855 SAI

ST

JOHNS MI

SEQ # 028024102011

TRAN DATE 10-06-10
10.00
50.46
10/07/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 422443

SPEEDWAY 03593 103

ST

JOHNS MI

SEQ # 028021101020

TRAN DATE 10-06-10
13.17
60.46
10/07/2010
  ATM WITHDRAWAL CASH WITHDRAWAL

TERMINAL T1435598

200 W. HIGHAM STRE

ET

ST JOHNS MI

SEQ # 373

TRAN DATE 10-06-10
80.00
73.63
10/06/2010
  ACH CREDIT SPEEDWAY SUPERAM

SALARY

RMR*EI*00805884***

267.42**\

267.42 153.63
10/05/2010
  OVERDRAFT FEE FOR OVERDRAFT

ACH DEBIT

091408593638786
36.00
-113.79
10/04/2010
  ACH DEBIT SPEEDWAY SUPER A

PREAUTHPMT

101004
4.02
-77.79
10/01/2010
  OVERDRAFT FEE FOR OVERDRAFT

VISA PURCHASE

000000002340000
36.00
-73.77
10/01/2010
  OVERDRAFT FEE FOR OVERDRAFT

ACH DEBIT

091408592608914
36.00
-37.77
09/30/2010
  VISA PURCHASE MERCHANT PURCHASE

TERMINAL 469216

REDBOX DVD RENTAL

OAKBRKTER IL

SEQ # 027228000234

TRAN DATE 09-28-10
1.06
-1.77
09/30/2010
  ACH DEBIT SPEEDWAY SUPER A

PREAUTHPMT

100930
5.80
-0.71
09/29/2010
  POS PURCHASE POS PURCHASE

TERMINAL 14230043

WAL WAL-MART SUPER

052 ST JOHNS

MI

SEQ # 027274411869

TRAN DATE 09-28-10
My check gets deposited tonight at midnight by then it will be to late.




5 Updates & Rebuttals

coast

USA
Your fault

#2Consumer Comment

Sat, December 25, 2010

You kept using your debit card when your balance was -$38. Bad idea.


Steve

Bradenton,
Florida,
U.S.A.
Leave yourself a bigger cushion, and stop making multiple small purchases

#3Consumer Suggestion

Sat, December 25, 2010

No rip off here. Bottom line is you knew the terms of your account and failed to properly manage that account.

I see that you engage in a pattern of using your debit card for multiple small transactions like $2, $5, etc.

This is a recipe for disaster, as you have found out.

Especially when you run your account right down to nothing.

Very careless, and not the bank's fault at all.

You failed to properly manage your account.

And, under the new banking regs you have the choice to opt out of autorization for negative purchases. Your $2 purchase that overdrafted you would have been declined.

My advice? Always keep a $100 cushion in your account, and keep an accurate checkbook register. Problem solved.

Oh yeah, stop making the multiple $2-$5 debit card transactions. That is just plain stupid.


Bruce C

United States of America
Citzens Bank, Flint MI

#4Consumer Comment

Sat, December 25, 2010

It does seem like Citizens Bank, Flint, MI is embroiled with troubles. More troubles that I want piggybacked on my money.

I was involuntarily switched to Citizen's Bank when they bought Fidelity Bank. Immediately the professional banking staff I was familiar with disappeared. Now they have rather young managers with no apparent education in banking and elderly woman who didn't seem to have any prior bank experience.

I had to close out my accounts. I just couldn't trust them with my money. The failure of Citizens to recognize well trained professional staff is essential to their survival during these difficult financial times is going to be their downfall.

My sympathy to those Citizen's customers who are being mistreated.






 


proudusmcwife

United States of America
This is your own fault, not the banks.

#5General Comment

Wed, October 20, 2010

Seriously. Stop spending money that you don't have. If you didn't do that, then you wouldn't have had to paid any money in overdraft fees. This negligence by your part. Not the banks. If you look at your bank records it was obvious that you were spending money that was not in your account to cover the cost. Take responsibility for your own actions. Quit blaming others. Grow up and fix the problem yourself. My goodness. You are an adult. Time to start acting like one.


Ronny g

North hollywood,
California,
USA
Why are you signed up for overdraft protection on your debit card???

#6Consumer Comment

Wed, October 20, 2010

yes...anyone can make a mistake on the register..and yes, we need to be responsible for our mistakes...

But I must ask..why are you opted into overdraft protection on the debit card? Recent regulation changes no longer permit the banks to automatically enroll you, or force you to enroll. So, YOU had to do this by choice and physically sign up for it, or the bank is in major violation of Federal regulation.

Sad to say...you are personally responsible for the fees unless the bank is in violation.

I HIGHLY suggest you be more careful with the account register..and PLEASE for your own sake tell the bank you want to opt out of overdraft coverage on the debit card. You are getting fleeced by small transactions at $36.00 a piece. Wouldn't you prefer that the transaction was declined if the account could not cover it due to a "mistake" and avoid any subsequent fees?

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