# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d11c26086c8c4057a5546a295b558cf7
encoding: FLOAT32
metadata:
{"chroma:document": "I came as a newcomer to Canada and opened an account with RBC. I had an online appointment with RBC representative to open an account. First, the representatives don't quite well understand how the bank offers work. The representative opened me a VIP bank account and said it is free for newcomers. At the end I visited a branch and they informed me that VIP is not free for newcomers. Only advantage bank accounts are free for newcomers. Eventually, they switched me to Advantage type account. Second, I got a debit card and deposited all the money I had into that account. Later on I found out that RBC debit cards can't be used for online purchases. They don't have CVV codes. This is just unbelievable. Today when everything is going online due to pandemic, they are issuing newcomers cards, which can't be used for online purchases."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd9047ccaf274314ad32edb411967b52
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service in the history of customer service - and I'm in customer service. Hours upon hours sometimes over a period of days to get someone. Requests for a manager to call go unheeded. Rude and obnoxious visa agents actually cost me money! Last straw was today - 5.5 hours on the phone last night and today to try and rent a car was unsuccessful. A 22,000 limit is gone because I will cancel my card to never have this heartache again. Please go to Coast Capital - they actually pick up the phone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfbbed62ccc54c149e2678f776794b03
encoding: FLOAT32
metadata:
{"chroma:document": "It is impossible to reach them. I have a car loan with them and it's the worst experience when it comes to needing help with problems. I can't do what I need to do online, and I also don't have the card numbers or transit numbers to open an online account. Without a credit or debit card, it's quasi impossible to reach them by phone. Their virtual assistant requires me to have a card number to proceed and they end up hanging up on me. I tried calling their principal phone number to try and open an account with them even then they were asking me to provide a card number it blew my mind. It's only after like 5 times of saying randomly (open account) that they redirected my call to a human. it's been two hours that I am trying to reach them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23153b40a997472f80e077b943208603
encoding: FLOAT32
metadata:
{"chroma:document": "RBC do not respect client, I have to went to 2 different branch, book 2 different appointments in order for them to find out someone tried to hack my account, they blame on Apple that my phone got virus, I went to Apple to check and reset my phone, there was nothing wrong. They never admit that the security system is so bad. They were very rude to me and when I tried to call to find out what happened they made me wait for at least an hour, plus they were hung up on me, not answer my question, the girl even told me to go to Best Buy to check and reset my phone, seriously??? I tried to call Desjardins on Sunday, it's only take 5 mins for customer service to pick up. Rbc Rude from the phone to the cashiers, I think you guys don\u2019t deserve to be the best bank in Canada."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08d307b91163426291b5a3a4ae52ca75
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is one of the banks with the most greed. Unwilling to help people during Pandemic unless you meet requirements. This is a government bank that will drain you. They will go to all means to ruin you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a82294b2e5cd4d4195fe635b5dbab683
encoding: FLOAT32
metadata:
{"chroma:document": "Not good bank. I have checking and saving accounts, mortgage and credit lines. Several times I applied for overdraft increase in my checking account but got I refused. If I have 50.000 credit line in the same bank RBC, how it can me refused. When I have time I transfer from credit to debit to avoid overdraft charges. If I miss and forgot RBC definitely will take advantage and will charge me overdraft. There is no option to make automatic payment to that account from other internal account. If there is option bank should explain to client but not hide that information from client and later charge.. as compare with other banks. My strategy stay away in future as possible. I do now want to have a feeling that I am being robbed. Bank should appreciate its client and give him flexibility instead of restricting client's activity and charge every step."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b9685e023b74d93a343e070b3e6be8f
encoding: FLOAT32
metadata:
{"chroma:document": "When I call RBC every time my call waiting time more than 30 minutes because the call-center people they\u2019re not doing good job down there. Doesn\u2019t care customer. It\u2019s nothing with a RBC. It\u2019s call centre manager not doing don\u2019t think about the customer. Anyone boring home? Call RBC your waiting time longer than 30 minutes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3d81d14f4c346c49e29607bda31e31b
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with RBC for over 20 years. I have a mortgage, LC's, CC, savings, checking accounts and investments. My recent experience with RBC has been horrific to say the least, definitely unethical. I'm taking my business elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3760309961534271890e13196e4b5156
encoding: FLOAT32
metadata:
{"chroma:document": "Trash call centre, never picks up, 2+ wait time in general queue, then gets transferred to specific department waiting another 45 min. And a dumbass in fraud department can't even tell from a debit or credit amount, confused by transaction code, and posting/transaction dates.. At the end they placed me on forever hold. Not once, not twice.. I called back 8 times over 7 hrs span, everyone in Fraud department ended up placing me on forever hold. (2 hrs something per hold and I ended up dropping the line.) When I call back and asked to speak to a manager, the guys refused he doesn't understand my case to transfers, forcing me to waste my time again to repeat for the 8th time. He refused and eventually hanged up on me. My fraud transaction was never looked into. Wasted my entire weekend trying to get ahold of someone. Trash bank..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccc8b2a26f1842c780e9c640cd3dceb0
encoding: FLOAT32
metadata:
{"chroma:document": "We went with RBC for our mortgage because I always had the impression growing up that they were the \"premium\" bank had the best reputation in terms of customer service. We're so, so disappointed. We got a good rate but that's about it. The mortgage process has been a string of unanswered emails, rude one-liners, unclear terms, hidden fees that get charged without notice, and representatives who clearly take no pride in their job and do not care about the client."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a460689cd5f54c578f7a99d7be7d98bb
encoding: FLOAT32
metadata:
{"chroma:document": "Have a concern regarding Visa card. The first person I spoke to on the telephone unable to help me. Pleasant but unable to help. Wanted to speak to her supervisor. She is not allowed to put me through to her supervisor. I must wait two or three days for a return call. Except this is Christmas. I shall be interested to learn when I receive this return call. Everything still up in the air. No resolution and I have to wait two or three days. As that will bring us to Christmas Eve and Christmas Day and then the rest of the weekend I doubt this return call will come before at least a week. I have been a customer of RBC since early 1970's and feel very shocked at this very poor level of customer service. Customers definitely deserve better."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cee76de475e4628b4f08fd1ac30d82b
encoding: FLOAT32
metadata:
{"chroma:document": "It's by far the worst bank I've ever dealt with! The employee are rude and unhelpful. Their security system is very weak (never trust them on your money as it maybe hacked and stolen in a blink of an eye). Once they blacklist you, the best thing to do is find another bank as you will remain in blacklist until the last day of your life even if you deposit millions of dollars on your account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca2d0d78c9e04d1ca3920da1b67e8c9b
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with RBC since I was a kid. They have treated me well up until recently. I have a car loan with them and all they have been doing is harassing me lately. They claim I have late payments when I have made all of them paid and up to date. Over the past month I've been getting calls for payments they made up saying they haven't been made, effectively tanking my credit. And their response was well look into it. They don't care about the customers anymore. They just care about how much money they can screw you out of."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bac32ed9f5a430bb156db3c4602ac34
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with RBC since I was a teen. It used to be great, now it's absolute garbage! I've had to call them on multiple occasions because I kept getting locked out of my own personal banking account, which I found weird because I've never forgotten any of my passwords. After I had received a new credit card, I activated it using my online banking and every time I've tried to use it, it won't work and RBC has put a hold on it..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f25dd2d263bb484db28bc5e24cd6e828
encoding: FLOAT32
metadata:
{"chroma:document": "Long story short took over a month to close out a loan and send me a confirmation of loan closure that I paid at my branch in cash. The inefficiency and dragging of their feet is embarrassing. Will be doing my best to not do business with them in the future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 098894abcea0466aaee19a751ff6235e
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst ever experience that I dealt with. Even if I was verified during the opening of the account I was still told to go to the bank and was said that only 1 government issued id would be needed. But when I reached the branch I was told to give two id\u2019s then after that I was told to submit a T4 or a notice of assessment due to which it created hassle and I was like going back and forth. When I didn\u2019t found the latest notice of assessment still I took the printed T4 with in order to verify and I was again told that this would not work. They would need the latest notice of assessment which I would never have found. After all this hassle I closed this account and would not recommend anyone to open account in RBC as they would probably also have the worst experienced that I had."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bed245c3cff6482093d70ceb914b11f0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to leave this bank for 3 months because they refused to renew my credit card, despite the fact that my permit was valid till the end of August and I had a letter from IRCC stating I was in the clear till September. I also received my permit well before the expiration of my old one. I physically went down to the bank to close my account and was told everything was done. That my credit card was closed, my accounts were closed and I was fine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ae170ffbe064dc2ab788c8b2d3102fe
encoding: FLOAT32
metadata:
{"chroma:document": "Do put your money in this bank. I have been with my personal account frozen for more than two weeks and nobody tell me why and when it is going to be solve. The Manager does not know why and the fraud department does not give you any answer. I am living a nightmare and tomorrow you can be the next one. DO NOT TRUST YOUR MONEY TO RBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d48cf1d7ead40c48d1f6f4c3dc67af3
encoding: FLOAT32
metadata:
{"chroma:document": "I am shocked at the quality of service and the customer care we have been receiving from this bank. They have messed up so many things, are not even on the same page within their own dept and have caused us such stress since we\u2019ve started working with them. These issues have not yet been fixed. Such a huge mistake to even considering them in the first place. If you want your experience to be pleasant and smooth, stay away from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd5b19b8aa904ef78e66800a242c5e14
encoding: FLOAT32
metadata:
{"chroma:document": "I hate RBC. RBC\u2019s attitude is to give money to people who don\u2019t need it, but to screw every last dime from people who need some help. They recently raised the interest rate on my line of credit, even though my credit score has improved considerably \u2013 probably because I have been paying it off. I think their idea is to keep people permanently indebted to increase their income. When I enquired with customer service, their only explanation was that I was 'underpriced'."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d04566a14e14351bc6b59671af04cbf
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve dealt with RBC for over 30 years. I cannot believe the poor service you receive and how many times your banking can be messed up. My issues date back 30 years; mortgages have not been listed with the interest-rates agreed-upon, credit lines with different interest rates than agreed-upon (but RBC gave a $500 cash back which did not cover what we over paid). Visa cards that employees know nothing about and cannot help you or give you misinformation. The manager at the branch I was dealing with did not listen to my address so in the end three different visa cards were mailed out. I\u2019m not even sure where some of them ended up. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cad5fe7f8fa4a9eab2cef846955f86f
encoding: FLOAT32
metadata:
{"chroma:document": "We moved and the RBC Visa came a bit over limit. The statement is from September 08 with a $ 29 overlimit fee. So far No problem. I paid the very next day on September 09 in full like always and got a $ 29 over limit fee again. I called RBC Visa to ask why and did explain everything and the agent put me on hold for 10 minutes, then the connection broke. I called again and this Agent told me the first $ 29 fee is for my overlimit until September 08 and the second $ 29 is because my period is until September 08 and as I paid the very next day on September 09 there was still a overlimit. Last but not least - I got my statement, paid directly in full and got a penalty fee with an extra $ 29. RBC Visa IS NOT CUSTOMER FRIENDLY!!! NOT RECOMMENDED!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6fa53fe27c24c4891079b1769dea2b8
encoding: FLOAT32
metadata:
{"chroma:document": "After being a very loyal and dedicated customer at RBC for over 50 years, I am appalled and disgusted with their poor customer service. Due to the negligence and poor communication by an employee I lost 5000 dollars. Prior to doing an overseas money wire, I was informed by the teller that if there was a problem, RBC would protect and guarantee the funds the same way a Visa card does. Trusting and believing the teller, I did the money wire instead of using my Visa card. Unfortunately the vendor I sent the money to was a fraud and never sent me the merchandise. I lost 5000 dollars. Although I was misinformed by an RBC employee, RBC would not admit an error or assume responsibility. Rather they lied and covered it up to protect themselves and their employees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94556768b71049888880c7f7f55f019d
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a victim of fraud. One day, I got a call from Service Canada, telling that my SIN was used for some criminal activities. So these scammers want to move all my money into a safeguard account... I lost 3000$. The RBC couldn't help me. I didn't get any reimbursement. RBC CAN'T HELP VICTIMS OF FRAUD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4c8bdc97365454d95f485aca89737f8
encoding: FLOAT32
metadata:
{"chroma:document": "What it\u2019s like to be bullied by a bank. I am writing this to inform all potential and existing RBC mortgage clients. Unfortunately, RBC does not make it easy to switch mortgage lenders. I decided to shop around when renewing my mortgage this year and decided to take my business to a mortgage broker, who found us a great rate with Scotiabank. After submitting a payout request on August 9th, RBC of course never responded to this request. I called to find out why, and they said that they never received it when in fact there was the fax confirming it went through. Moving forward, RBC now provided us with an email to send the request to; which was done on August 23rd. RBC continued to NOT send out the payout request. At this time, my mortgage was put into an open mortgage by them at an interest rate of 7.5%. We had to make 3 payments of this interest rate before we could no longer keep up with the payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bd22510bf644b2c96f5f2c9a461c2d2
encoding: FLOAT32
metadata:
{"chroma:document": "As a relatively new small business we chose RBC Express to extend administration of account reconciliation and account payments to our accounting resources. From the beginning our onboarding of RBC Express was complicated, slow, and remains 3 years lately in various stages of completion. The service itself is highly secure since every function of administration is locked behind RSA token requirements, or secondary approvers. Even the ability to modify one's own mobile number is prohibited, and must be done by \"anyone other than yourself\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0adf3f05a88e4d6b9b9a515c4ae20575
encoding: FLOAT32
metadata:
{"chroma:document": "My husband had his wallet stolen Aug 17, 2021 while on holidays in Vancouver. We contacted the bank, we had dealt with for over 40 years, to get some form of relief, it was 1 comedy of errors after another, this bank had everything, but a small side of accts and visa I had opened at Royal about 2 years ago, finally with getting nowhere and sitting in a hotel room waiting for our relief pkg that was never sent to us in Vancouver, but to our home branch by error, we gave up. I called Royal Bank Aug 19th, 2021, spoke with Kelly, she was supportive, calming and yet confident, we had funds within 10 minutes. Unbelievable and amazing service. You must have this kind of backing when travelling especially during Covid, & the \u201ccashless\u201c society we have become. Royal Bank you are 5 Star across the board!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc2ecd1c8746441681c09e7dcfc96978
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to deposit a $US cheque in my cross border account. I scanned it in and it failed. I called the number listed and my problems STARTED there. Not only did they NOT fix it, they caused 2 new problems. In addition they didn't do the callback they said they would and lied in messages they wrote back to me. Most of the time I have been ignored. Weeks later, despite more calls and e-mails I have done for this, the problems THEY created have NOT been fixed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8838a25e4216441591c8b616602e2c8f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a \"customer\" with RBC for many years. I pay everything on time and use and have used a number of different RBC services. Due to my situation, I am unable to currently visit a branch to restart my PIN as I am out of the country. I used to be able to do this over the phone previously, but was told that this has changed. I was told that there is nothing that RBC can do for me. Perhaps this is the case, but it is bizarre that people are left in these types of situations. What if I did not have a husband who had access to his card? I have now requested to speak to a manager over 5 times. I am told that someone will call when I call them and no one has called me back. It has been over 3 months. When possible, I will be moving all of my accounts out of RBC and wish I had done it sooner as this is not the first time that I have been sorely disappointed. Better to find a place that treats its customers seriously."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 169bd30a6b2d4b4582a282a13bb96ec3
encoding: FLOAT32
metadata:
{"chroma:document": "When I call customer service, there has never been a time in the last 10 years I don't get a 'higher than normal call volume.\" It's an insult to clients. Why don't they just say \"We love our obscene profits so we won't spend a cent to employ any but the minimum number of humans to take your call. But we will waste as much of your time as possible by making you wait and feeding you a ton of information you don't want or need. You put up with it because you have no choice. We do it because we can.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10869e205e7241bbb05507bd7a93385c
encoding: FLOAT32
metadata:
{"chroma:document": "I called RBC visa as I found an old card that was not activated. I wanted to know if the card that I am using is the replacement of this old card. This is the second day I called as I could not get someone to answer my call yesterday (3 calls in 2 days). First of all, the phone line was very busy & I waited for about 10 minutes before someone answered my call."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14b2a132267a4b23b0432986c9059249
encoding: FLOAT32
metadata:
{"chroma:document": "On April 4, we started the process of porting (transferring) our existing mortgage from the present house to the new property. We were told it would take 5 days. This was the first of many promises not kept. This also not the first time RBC didn\u2019t keep their word. The last mortgage was finalized too late and cost us despite being informed over and over of the time constraints. We are now a month later with no end in sight and 13 days away from the closing. Once again, they have been informed and just don\u2019t care. Do not go with RBC under any circumstances. You\u2019re nothing to them and they don\u2019t care how they screw your life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7795521c2eb46719b7d5024d2cba6b0
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an Rbc account a couple months ago as I have a car loan with them. I decided as my car loan and the support was excellent I would change to this bank.... BIGGEST mistake ever, they require you have loan payment money 2 days prior to the loan, had spent some money out of my acct at 6pm, re-deposited by 7pm, car payment bounced due to me not having the funds solid in my acct for 2 days prior to loan payment. I then had to fight to get the $45 nsf returned and was told it was my fault. Now this month April 2021, they have taken 3 car payments.... Should be 2 and of course the 3rd one bounced, so now I'm fighting with them again, get this cleared up and I'm switching banks to one that doesn't require me to keep a certain amount in my acct days before a payment.... Worst bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a89f0f84c12a4e6fbc9deac4571bdb44
encoding: FLOAT32
metadata:
{"chroma:document": "As an international student, RBC is not the right bank for you. My credit card expired two months before my visa expiry date and RBC denied renewing my credit card. That means you have to live without credit card for a few months prior and during your Visa extension process which is just impossible. As a UoA international student advisor, I am gonna make sure every international student knows that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0c6b301291b4af3afd406f171a2cc64
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased a car in 2010 and got a car loan from RBC through the car dealership. RBC used to get their loan payments through a preauthorization from my BMO bank account. In 2016 I paid off the car loan in full and received a letter from RBC confirming the same. However, RBC continued debiting my BMO account for $10.49, which I never noticed until mid. 2020."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8feaa452b6584ae9b251bde54a797f73
encoding: FLOAT32
metadata:
{"chroma:document": "Went to my local branch to find that it was permanently closed. Luckily a passerby told me it had moved across the street. It was 4:30 and I am rushing to get a form filled in that had to be done by them in person before they close at 5pm. I don't have a printer but as I have been a client there for over 43 years, I made the assumption that they would print out a 1 page form for me there. I get there and am the ONLY customer in the bank surrounded by 5 employees standing around doing NOTHING. The teller tells me she won't print the form for me that I have the .pdf for ready to go. She says they won't print anything for anyone ever whether or not they are a client of the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 213aeff56c9249c4971263ba0065caa8
encoding: FLOAT32
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{"chroma:document": "I have been an RBC customer for over 15 yrs and incidentally I never had to call their customer service till this year for anything major or critical. Now that a critical situation came up and have been dealing with their customer service for both banking and direct investing for 3 months now including their local banking advisor at the branch. Simply put, the service they offered is the despicable and frustrating and disgusting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b076a98002804f4db9df8d55a730a106
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank we have RBC. All type of accounts with them and in process to take our business somewhere else. After Covid it's impossible to get someone touch over the phone with them and worst one is RBC direct investing. They are playing with clients by using covid accuse for long time now. All you need call on number and will figure it out after couple of hours when continue to hear recording."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77ea90848c0545d2b19c0a8079c65ac4
encoding: FLOAT32
metadata:
{"chroma:document": "March 8, 2021 - This is the FOURTH consecutive day I am completely unable to access RBC's online banking due to their stated \"technical issues\". This is the worst of what have been a series of highly unprofessional and extremely inconvenient issues. After several decades as a client, it's time to close this account and leave this ** bank forever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a44d208d81ad461e9d03b9636f056a59
encoding: FLOAT32
metadata:
{"chroma:document": "I have opened an account with RBC. After few days my account got locked, so I went to the branch they told me to bring a second piece of ID with something mailed to my address. So I went back after two weeks. Then they told me who told you something mailed we need something like passport as second id. At that moment I closed my account with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d93b3bba19c49a18fe8c8b81bb79eb3
encoding: FLOAT32
metadata:
{"chroma:document": "So recently I saw a ad for iPad for new customers and I was a fish who got caught in a trap by scammers. Shame on this company. Even though I'm still saving 200 bucks for ipad after a year of service charge I thought okay went ahead signed up but when I signed up it was a Sunday and the last day of the promo and they sent me email welcome to RBC and said I need to go to branch, show my id, so I booked a appointment, went in, showed my id, got everything set up and made 2 payments and set preauthorized payments which is the condition for approval of ipad...Switching from TD it was hassle to call switch all thinking I will get a ipad then days later I called in to ask how come I never received any email. They said, \"Oh you didn't sign up the day of promo.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c0f1ea8d64e43b9b406f461ed253456
encoding: FLOAT32
metadata:
{"chroma:document": "In the last 3 months RBC bank has overcharged me a total of $562.50 in banking fees. Yet my monthly account fee is only supposed to be$10.95 per month. I'm a disabled person on ODSP. Due to Covid 19 and being busy worrying about the health and safety of my elderly parents, and looking for a job. I didn't notice some of the charges til today when I had a chance to look at the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 226dc0f7d3414de48604c3e103c791fd
encoding: FLOAT32
metadata:
{"chroma:document": "As an immigrant who had the chance to enjoy banking services abroad, I can certainly tell that this bank is still using services and methods from 19th century, or it is more kind of hybrid with some from 19th, some from 20th. Unless you spend and lose money there are very few options that you can do at online banking. Online user interface is very poor you need to spend a lot of time to find what you are looking for. System is built to make a lot of money from its customers without giving any good services. You can easily open account in online banking however you can not close them, if you go to a bank branch to close they can not manage to close it. Transactions or orders are not instantly done, you have to wait a few days to see it in your account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0dd070eb0e24d89a1273ae28f729035
encoding: FLOAT32
metadata:
{"chroma:document": "Where I work, my employer pays in cheques, so I find using the app to deposit convenient. Then one day they put a hold on my pay cheque. I thought it was because of COVID, so I started going to the tellers. After a couple months of taking it in person, they inform me that they are putting a hold on my check even though I was in the branch. I threw a fit. 20 years as a customer and 3 years at the same job. The manager came and upped all my limits, so I could use the app again with no issues. 7 months and everything is great. Until yesterday. Deposited my pay using the app and they hold it. I go after work and they tell me that there is no record of the limits being increased. They\u2019ve done the increases again, but it will be 5 business days before I can access my funds. I feel like I\u2019m being targeted. I have printed proof of the increases from June. How do they just disappear??"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2085eb0cc7d5456ca2839ad706271a88
encoding: FLOAT32
metadata:
{"chroma:document": "I try to keep my credit account clear, so I paid full balance and it was 0. By mistake my Visa payment was made twice, so I had overpayment of over $600.00. I decided to pay my another credit card with that. It was my money, BUT they charged me $3.45 as CASH ADVANCE. I paid it any way, because when I was cheated by a Vevo hearing, I wrote to the bank (about 10-12 times) I received the same message \"to answer their questions\", and I did. But after 3 months, still never received any results so I gave up. So I am not going through the same thing for $3.45. Thank you for having this site to let us get rid of our frustration."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccd84203821642f6b5e7764597054917
encoding: FLOAT32
metadata:
{"chroma:document": "RBC Brantford 95 Lynden Rd - management poorly equipped to support crisis situations of upset customers. They have a 3.5 google review rating... Management engaged in controlling behavior, intemperate browbeating, lecturing, berating, patronizing, antagonistic. Did not make social distance when asked. Poorly and unprofessionally dressed. Refused to provide a full name when asked. Did not admit to any of this to her superior (Community Manager). Brantford Community manager has very poor communication skills, ill-informed and fails to collect all information before making a judgment, then looks to place blame on customers while defending staff - hard for her to hear the truth or accept any wrongdoing or see issues within her staff. She is self-righteous and highly condescending escalating issues and antagonizing emotions...at the root to what seems to be becoming a systemic issue in the area."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37337080e64a471babeae27d4f8dd916
encoding: FLOAT32
metadata:
{"chroma:document": "We've been a client of RBC for eight years and it's been nothing but an uphill struggle. We're posted to do $2m this year and I can't even speak to someone on the phone. Do you call that leadership or even customer service?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a95dac8b72a4bb691ae1b7e80f29063
encoding: FLOAT32
metadata:
{"chroma:document": "I am facing capacity to pay issues. I have not missed a payment in 7 years with RBC, but covid has impacted my finances very hard. I called customer service just to ask for a refinance of my debt. You would think with historically low interest rates or even the fact that they would want me to be able to keep paying my loan they would help me. Instead they offered to increase my interest rates if we refinanced. They did not offer any other solutions. And when questioned, they said it is to manage risks. After a 30 minutes of looking online, I secure a new loan with another company with a 1% decrease in my interest rates. I am now going to close all my accounts with RBC due a lack in customer service. This is not the first time they do this to me. They dangle the carrot to get you as a new customer but when you are signed up with them, good luck for any help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a0a4875ca4b46a5b0c3d07be85f10e6
encoding: FLOAT32
metadata:
{"chroma:document": "Why does the Royal Bank go out of their way to make sure customers cant speak to anyone at the bank. Telephone waits are horrendous and designed to make the caller give up. Hire more people. You cannot send them an email.. Hire more people. You cannot talk to anyone at your local branch unless you drive across town.. And then you have to make an appointment which could be a week away. I am going to change banks.. Seems the only customers who matter to the Royal are millionaires and billionaires. But they get to talk to someone at the bank right away. My wife has left the Royal and is impressed with her new bank.. The credit union.. who encourage you to call and the investment person even gave her a card with her # and extension. Wow. I'm going to bank there. I have been with the royal since the early 70's."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 078327f6f93149e8b63869c34bae937a
encoding: FLOAT32
metadata:
{"chroma:document": "Con: 19.99% interest. Pro: points I can actually use for stuff like gift cards And don't have to wait years to build enough to claim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e0851e846a743628acc129f7adde9e5
encoding: FLOAT32
metadata:
{"chroma:document": "I got a car loan with RBC back in 2019. I do stand up comedy and live entertainment. Well with Covid-19 shutting down the world my job kinda has been canceled out. I called rbc to see if I could lower my payments so that I would be able to keep my car. They went on to explain, \"Well you are in such a new loan. We won't do anything to lower the payment but we can lower the interest rate from 9% to 8.5%.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1ad1a107cb34955be5cee5b991286ce
encoding: FLOAT32
metadata:
{"chroma:document": "I was told if I opened an account with RBC that I could open overdraft at ANY time I felt like. I was on CERB when I opened the account. Didn't matter. Flash forward 4 months later, I apply for overdraft and am told, \"Sorry but you're on CERB you don't qualify. But we're still charging you fees even though the cheque hasn't come in.\" They lied to me to get me to open my account, put me on a ridiculous monthly fee program. Then the services they PROMISED, they have no gone back on, and when confronted with the facts. I said this, \"You said when I need overdraft, call you guys and you'll help me out.\" So the lady only focuses on the first part of what I said/ \"give us a call\" but refused to acknowledge the second part of \"we'll help you out\". When I confronted her about that she actually chuckled and doubled down on bank policy. The same bank whose policy is to put a 7 days business hold on CERB cheques, because they aren't \"verified\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7bee722fdf94e888a26b1eb53cf2d43
encoding: FLOAT32
metadata:
{"chroma:document": "I have phoned this leaching BILLION dollar company several times and each time their customer service is nothing. They blame Coronavirus for not answering the phone. I called and was given a 4-6 minute wait time, I finally hung up after 45 minutes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c7e0cbe071a4acf943a1fdfcc58bbb7
encoding: FLOAT32
metadata:
{"chroma:document": "I never miss a payment in full on my credit card, so I find it offensive to pay 19.99% for 2 months to the credit card company for a payment in full 10 days late. This is the first time this has ever happened. After realizing the missed due date I called RBC customer service to see if it could be mitigated. When speaking to the agent she was evasive on my request of trying to get some forgiveness on the 19.99% interest. When asking for her name she hung up on me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02347fc07d8b4464a04babef0f0eea4c
encoding: FLOAT32
metadata:
{"chroma:document": "After waiting hours on hold the call dropped! No one called me back so I had to contact again but by email this time. Issue is still not resolved. The \"business\" that charged my Visa is not legitimate and was only authorized to do a one time payment. But they charged a recurring fee instead. A dispute is in order and I wrote them up on **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 787344403c044223b3068990d5bbef88
encoding: FLOAT32
metadata:
{"chroma:document": "We had one day to transfer my daughter's funds for school via e-transfer. We visited the branch and did our due diligence. Something went wrong and the school did not receive the funds. We called asap and RBC customer care said it went through - it did not and yes the address was correct and yes the money was there. With my daughter's seat on the line, \"customer service\" hung up on us three times without ever speaking with a real person. They have messed with not just our money but our lives. Does anyone at RBC understand the connection to people. We have no voice and they leave us with no service. And so what... I write a little complaint on some forum somewhere...powerless... So in summary I know this review will go nowhere... You got me rbc, bravo."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d29934e6251146ce85a255d774ccb1a8
encoding: FLOAT32
metadata:
{"chroma:document": "If you are talking about my bank... the Royal Bank... I have been a customer for 30 years.. They are amazing! They have always been very friendly and helpful.. This is why I stay with them and would not change banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd527fbce0c8476d9624cf3d07cb7975
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible customer service. Primitive IT services. Cannot do online purchases with bank card which is stupid. Transactions limited to $1000 for 1st 3 months so cannot pay rent. If I'd known this, I would have gone with TD bank or something. Online banking is not very user friendly. They say that there is an app but when you go to download it from app store, it doesn't work. ** bank and I would not recommend it. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ea2710987a544c78dfd88a13ba00581
encoding: FLOAT32
metadata:
{"chroma:document": "I switch banks so therefore started using RBC rewards card. I have not accumulated sufficient points to really see an advantage to other cards. Since it's a no-fee card, I assume they make it more difficult to render points. There is a good variety of choices, just personally nothing for me as yet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb9a539da084477e8b5543159d673895
encoding: FLOAT32
metadata:
{"chroma:document": "I went into the branch in Terrace B.C. Canada on Approximately Dec. 22 2019. I wanted to cash a cheque that my company wrote for me, because auto-deposit was delayed. I didn't have ID with me. Rarely, but it has happened before. With other tellers, their response was, \"not a problem Donny\". But on this day, (a busy banking day), The teller who I'm 99% certain her name is Teresa\", told me in a derogatory tone that \"No! We can't cash a cheque without ID!!!\" I started to explain to her that I had cashed cheques here before without ID, and began pointed out at least one teller with whom I've done so. She raised her voice to tell me to lower my voice and that she didn't like my attitude!?!! I couldn't believe it. I am not an aggressive person. I'm calm and obliging. I was however, desperate to have my cheque cashed before Christmas. ??\u200d\u2642\ufe0f"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 045b95bae5aa4d17864daeedb9c13c6e
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is the worst bank I have ever tried working with. Tried opening an account with them for my business and it has been nothing but a nightmare! I opened an account online that required me to make an appointment to come in and finish the process. There was absolutely no appointments! This plus the rude service from the start made me to go another bank which has been a way better experience. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6421fc1e6fe4e9b855624c95a40f0d7
encoding: FLOAT32
metadata:
{"chroma:document": "Used to cash in fraudulent Cerb payments. Phishing, scam, spam phone calls. Bad conditions applied on shared accounts in Quebec. Customer service not available over the phone. (Stuck on waiting line, after receiving an representative they hang up on you.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 605687c630374bd789a877c3d612a17b
encoding: FLOAT32
metadata:
{"chroma:document": "The life insurance agent at RBC Fares ** offered me on several occasions to enroll in the life insurance with RBC as we used to play tennis together, each time I declined and asked him not to talk to me anymore about enrolling to life insurance as I am interested. To my surprise I received an email & package by post thanking me for enrolling to life insurance with RBC. I complained to RBC for being enrolled in something I didn't agree too nor signed or gave my consent for it. It appeared that the agent Fares ** had my personal information that he misused & he put his wife Credit card on the account hoping that once I am in front of the reality of being enrolled I will accept it & provide my banking information from then."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57d38bca79b04cd68dbd5d28c2437bff
encoding: FLOAT32
metadata:
{"chroma:document": "A few years back I had all my investments with RBC. Over a 7 year period of time I did not hear from them regarding these investments. While talking to others about their investments I was surprised to hear that they hear from their advisor as many as 2 times a year. So I decided to go into the bank to find out who is looking after my investments and why I had not heard from them and generally why my investments really had shown little to no growth."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4b41358635f4153bac5794eb8dd70dd
encoding: FLOAT32
metadata:
{"chroma:document": "During this Covid-19 pandemic, RBC is not doing enough to help its customers. With many businesses (grocery stores, pharmacies, etc) requesting for payment via debit or credit cards, RBC still levies the charge if the transactions exceed the limit. My account only allows a limited no. of payments via debit card so if I have to shop several times a month (which includes shopping for my clients as well) this limit is easily exceeded yet I am penalised for using contactless payment. RBC has NO sense of compassion as many are having difficulty making ends meet, yet they try to squeeze every last cent from its customers who use contactless payments. It appears that making a profit during this pandemic is a priority for them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6e416dbe0dd44ac80207b827bf90d39
encoding: FLOAT32
metadata:
{"chroma:document": "Loan Protector Insurance declined coverage. Took out insurance coverage on line of credit. Took Ill and ended disabled. Insurer told me that since I had completed the medical care I should go back to work and stopped coverage. Was bad enough they had made several requests for updates on my status as permanently disabled. Basically for what they charge should just have taken out a simple insurance policy of term. Issue High Blood pressure. Rupture ended with plate in head and shunt under brain. Basically like a stroke for treatment. So now I have gotten past the stage where I was basically out. This took place over Dec 2012 Through July 2017."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7113f40def3042a38b29c8aa039d3f09
encoding: FLOAT32
metadata:
{"chroma:document": "On April 30th, there was a removal (Deposit Correction\") of $2,000 from my 90 year old mother's savings account. I have called RBC numerous times, sent them numerous emails and waited on the line for at least 30 minutes to talk to someone from Client Care. I keep telling everyone I talk to/email at RBC that my mother's account never had a deposit in the amount of $2,000 and the money should be credited back to her account. As of May 22nd, I have received no answers and the money has not been credited back into the account. Regardless of whether it was a mistake on the bank's part, or fraud, we deserve an answer and the money returned. The saga continues."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 975d1b42c385456085cd8bd49ec3b77a
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited a cheque then wanted to transfer some funds into another account. Because the entire cheque didn't clear, they charged me a $5 overdraft fee... despite the transfer staying in another account in Royal Bank; I never actually spent the money or really dropped below my overdraft limit. I am trying to get the fee back. I feel this is a cheap trick to steal money from me. Watch out for RBC... I'd recommend other banking options."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ea913f8c7084ecb9d0b01f5ac1fb790
encoding: FLOAT32
metadata:
{"chroma:document": "I have received a government cheque due to the covid19 situation. After finally getting aid from the government. After 4 complete weeks of not having income and being the proud father of a 13 week old baby girl. I was told to avoid unnecessary movement in the heart of the pandemic in Montreal! I went to a smart ATM machine and deposited the cheque. It distributed a receipt with the whole cheque as proof. IT, being smarter than most of the staff I have spoken to and more helpful too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 759da9e1e96a412ca01ffe5bc8794cc2
encoding: FLOAT32
metadata:
{"chroma:document": "I went today to the Sherwood Park, Baseline Branch, and I found they are restraining customers to do transactions in the till rather they send people to do it via ATM. They are restricting my freedom and liberty to choose the way of doing transactions. They are acting with paranoia doing this. I wonder if this is a branch policy or RBC policy or Provincial policy or Federal policy? If you put in place measures for social distancing, you are not acting with paranoia. This reflects an excess of limiting/restricting usage of bank operations."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e721fd26562845b38c51ad43908c138b
encoding: FLOAT32
metadata:
{"chroma:document": "Called Visa on April 7; on hold for 1 hr 3 minutes. Called April 11; only hold for 50 minutes. Called on April 13. On hold for 1 hour 30 minutes. Last time I called at 8 P.M. I was summarily disconnected at 9:30 P.M. This is GARBAGE! I understand they are busy given current events; but if you cannot handle the call volume, either hire more people or extend your hours. One star is extremely generous. They deserve -10."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efaf441c53f640bf87a3643306b4b663
encoding: FLOAT32
metadata:
{"chroma:document": "Went to do some online banking with my cell and my password would not work. So, I decided to restart my phone and then tried my computer web access. It appears they decided to \"temporarily disabled your online access\"? For what logical reason? I guarantee you my password was correct. So, was directed to call. Spent 27 minutes on hold, then when I was finally speaking to someone they transferred me to someone else! I wish the TD Bank in town didn't close down!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9afe3a4c3824f18a3b553f7d6b3f373
encoding: FLOAT32
metadata:
{"chroma:document": "I changed my banking from TD to RBC over 20 years ago... It has been an agonizing 20 years. I have all our products with RBC (mortgage, substantial investment portfolio, insurance, RESP\u2019s, bank accounts, US account, Line of Credit). Unfortunately RBC has not treated me as a valued client. They charged us $17,000 penalty when we built our house under a construction mortgage (1st draw paid the existing mortgage and they dropped this penalty on us)... They had no remorse in doing this. Now the latest we purchased an investment property and gave RBC another mortgage and they mislead us on the mortgage... Signed a day ago (under duress) during the world crisis and I asked to change as I misunderstood the mortgage...and was told \u201ctoo bad, you should have read the document\u201d... I am disappointed beyond believe and feel betrayed. I will be transferring my business to TD once I\u2019m able to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb1d836d5ac348a3a2b3fb9e8f45cb1a
encoding: FLOAT32
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{"chroma:document": "Have $120,000 in cash, 17 days now still can't get it. Asked Royal Bank to transfer the my RSP account, which was already in cash to a self direct account, on March 3...earliest they would make a appointment to sign the papers was March 12, got a email on March 19, said it normal takes 24 hours, but they are so busy, don't know when they will get to it... WHO THINKS ROYAL BANK IS FULL OF **. AND JUST USING CUSTOMERS CASH FOR THE VOLATILE STOCK MARKET TO MAKE MONEY... While paying me .01%... Yes 1/10 of a penny interest on the dollar. Remember it's already 17 days, still waiting... When they say it's normally 24 hours to transfer cash into another account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d1a3cb4b2a9419685c3a22734122040
encoding: FLOAT32
metadata:
{"chroma:document": "I went there to withdraw from my account. I was told to wait outside of the building until I was called. I was given no indication of how long that would take and mind you I'm in a line during the corona virus pandemic. No information was provided, not even a note was placed on the wall to inform anyone of what the procedure would be. A very unprofessional and unwelcoming experience. When I enquired about the waiting time, I was told again that I was to wait until called and that the bank closes at PM and if I so wish I could return the following day. I was not given an estimate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb4d455c14c948cd945147e661b64fa6
encoding: FLOAT32
metadata:
{"chroma:document": "On 02/21 there was fraud on my account and money taken. I reported it on 02/23 and they stated they canceled the card and would ensure a fraud report. All of it was lies because on 02/25 they let the same people back into my account to steal more money. I called them on the 25th to ask how they could let this happen. 7 times I was transferred, sometimes to wrong departments, to get \"We canceled the card\" but nothing on how these people are still in my account. On the 7th transfer they picked up and then hung up as soon as I asked the question. It is now 02/26. The people are still in my account and I can't close it as Rbc states they will not give my money back without an open account which is going into debt. I am sure they won't hesitate to charge me NSF fees though!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e8505cdc6e44acbb59d36d3d0e1213f
encoding: FLOAT32
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{"chroma:document": "When I pay my employees, the amount to be paid is deducted from my business account (by RBC). When I look at my payment history, it doesn't show anywhere the $2,713.99 that I paid to my employees, so I felt a SERIOUS VIOLATION of TRUST against Royal Bank of Canada and so I (naturally panicked and) called up their phone support."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c656acdc08c2461bbda198208b319468
encoding: FLOAT32
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{"chroma:document": "I have been a loyal customer of RBC for 15+ years with several investment products, credit cards and mortgage with them for 8+years. I am currently on a variable term of Prime -1% = 2.95%. A friend of mine has recently renewed their mortgage with RBC at a 2.59% rate for a fixed 5 years term. So I asked RBC to convert my variable mortgage into a fixed one at 2.59%. They have declined because they know that it is difficult for me to break the term and move to another institution (I will have to pay a penalty if I wanted to). No manager or Customer Care Manager returned my call or spoke to me despite my request to the Financial Advisor to escalate the case. If I was in the end of my term, the situation would have been different. This is not the first time RBC has treated me this way with no consideration whatsoever to 15+ years of work with them. Pretty disappointing!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65dad232f01a4b3480685dba6969c6d8
encoding: FLOAT32
metadata:
{"chroma:document": "Really disappointed with the service on my business Letter of Credit. Our office moved, so I called to change my mailing address on my Letter of Credit, because it wasn\u2019t changed through my regular bank account (It is a service through Royal Bank, but provided by Royal Bank International Trade Center). After two phone calls and having to fax my change of address form back to them, I received my confirmation in the mail- a statement of $115, still addressed to the wrong address! If everyone charged $115 to change an address, no one would ever be in business after a move!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c47f14b526147c8a28b79a4a962d05a
encoding: FLOAT32
metadata:
{"chroma:document": "Rbc does not stick to their agreement. After having a  mortgage with RBC for many years, and having signed an agreement with them, our bi weekly mortgage rate was mysteriously amended from bi weekly accelerated to bi weekly, this makes a huge difference in the period it would take to repay the mortgage and also the overall interest to be paid. When I approached RBC about this, I was told \"Why don't you make a lumpsum payment to reduce the amount of your mortgage,\" in order for Rbc to re instate the bi weekly accelerated rate, why should I have to come up with additional funds to compensate for a mistake made by RBC. I have queried this with RBC numerous times both telephonically and by speaking to a financial consultant at the bank, and the answers I get each time is both devious and misleading, has anyone else encountered a similar problem with RBC"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86234006388a4e91bf9edec090365fb3
encoding: FLOAT32
metadata:
{"chroma:document": "Having read other, similar and recent reviews, RBC has clearly forgotten the basis of the banking sector: the client. As a long term, multiple account and mortgage holder, I've been thoroughly disappointed by the lack of customer care, due diligence and overall corporate responsibility that RBC has shown. This is a marked deviation from the Bank that my family and I have come to know and trust. I can only speculate that larger, macro-corporate interests have sadly overtaken what was once \"our bank\". Sorry RBC, you're losing people!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e17508c82a494d01a880339b506b29f8
encoding: FLOAT32
metadata:
{"chroma:document": "You can no longer call the 1-800 number and check your balance discreetly. You must announce publicly that you want your balance. Embarrassing. Disruptive. For this reason I leave RBC after 30 years for a bank that respects your privacy and gives options."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa691a1143d04b3ba26f9850881500b8
encoding: FLOAT32
metadata:
{"chroma:document": "We recently opened a new E-Savings account to take advantage of a 90 day promotional interest rate of 2.5%. All the paperwork was done at the branch, by RBC personnel at Dollarton, in North Vancouver. We followed the direction of RBC personnel and deposited a significant amount of money. Now the promotional period is over and we are short $937.30 in interest. RBC are now saying the 90 day period began when the account was opened whereas before they were saying it began when funds were deposited. Our deposit was well within the allowable date parameters of their promotion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90b4211dbfe74cafbc69c175a78b055f
encoding: FLOAT32
metadata:
{"chroma:document": "We have been customers of RBC for well over 25 years and of late it would appear that they are not interested in high net worth customers. My wife and I have a joint VISA and she pays for the VIP Banking monthly fee of $30 which entitles her to a number of things including a free VISA card. Because our joint VISA is in my name they charge us $170 for fees on the 2 cards - every I've called up and they have reversed the fees because she is entitled to a free card and a free supplementary card. This they refused to do it. It is ridiculous that they could not fix it when we initially identified the problem. \"No you need to close that account and open another one.\" We can't just switch primary users. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1baa2ed861b349c3afde8e52458e2b5c
encoding: FLOAT32
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{"chroma:document": "A bank draft for $28,000 to clear my line of credit was issued to the Masonville branch of the RBC on December 20th of last year. This draft was submitted by my CIBC representative, in person, and the money has since disappeared. I've reported this to 3 separate branches, and everybody just wants to distance themselves from this. I've since figured out it was misappropriated and is nowhere to be found. After 2 different people at 2 separate branches told me they would resolve it within 24 hours, they have since claimed no involvement in the matter when I said I would report it to the police."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b76510158f6b400eaf35dc4f2375b5e4
encoding: FLOAT32
metadata:
{"chroma:document": "The RBC opened a bank account in my name without my knowledge, permission or signature which is illegal. I complained and the investigation confirmed that is what happened and those involved would be retrained. The excuse they given by their mortgage specialist that committed the fraud was she had been given verbal permission by me which is another RBC lie because we NEVER spoke once. The truth is she stole my personal information off my partner's mortgage application to do this. RBC is disgusting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 584abda019734b96adc542d43ec46308
encoding: FLOAT32
metadata:
{"chroma:document": "I open the account in RBC and later on I open up The small business account as well. And I apply for the credit card they told me, \"Your bushiness is new. Try next year.\" Then I try after a year. They told me to wait one more year and try again..so I have wait every other year to get the credit card. But didn\u2019t get even one. By the way my credit score also good and I have a good saving. But I don\u2019t know why I am not approved. So I am going to closed all accounts and find some good one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2e42a21793444d197a6c60e55fab39c
encoding: FLOAT32
metadata:
{"chroma:document": "The worst and most disorganized bank in Canada. I know it from the inside because I used to work for their security department. I got a call at the end of December because, surprise, I shopped. The phone call stated that I must call immediately because of unusual activity on my card. Happens every time I shop since I shop very rarely. They automatically make your credit card not work until you call a number they provide to verify things. I called it and followed the prompts but the automated system did not accept my valid postal code. THEN I got worried there was unusual activity on my card, beyond Christmas shopping. I was put on hold and threatened that if I don't hang up my credit card will not work anymore. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ee385fccbb2498eb955a3091779dde6
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with RBC for 25 years, I have multiple investments with them and I work full time. They have NO APPRECIATION FOR LONG TERM CLIENTS. I have never had any concerns with cashing cheques or overdrafts. The first incident they let my student loans take money without me authorizing it and refused to reimburse it (and no I did not sign for it prior and showed the proof of same). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c7ed290630e47869aa327c5a3567e90
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with RBC for the majority of my life. My mother set up my account for me when I was a child, and I used them until the beginning of this month. I have a credit card with them, I wanted to get a lower interest rate as the payments I make just cover the principal and not the interest. Client representative said she'd call me back in 2 days to see how my application goes (she hardly educated me on what she was applying for on my behalf). No call. So I called the credit card hotline, they said they couldn't help me either. It's not like I Was asking for MORE money, I was just asking for HELp. I closed both my chequing and savings account in the next coming days. They didn't even ask me WHY I was closing my account - THEY DON'T CARE. You'd think that client retention would be important to them. Never banking with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db234682c75d46718a61827b1663fd38
encoding: FLOAT32
metadata:
{"chroma:document": "This is the most incompetent bank in North America. It's a better idea to keep your money under your mattress. They froze my online banking, the customer service number made me go into the physical bank who refused to unfreeze my account. The customer service in the bank was rude unwilling to help they said they want me to get my phone cleaned professionally simply because I forgot to lock my phone before putting it in my pocket and having the wrong password put in. They charge me 10.99 to deny me access to my own banking. Go to Calgary first financial. Their services are way better and it's FREE! P.S. they charged me $50 for moving my rrsp after they refused to give me access to my banking. Do not bank with them. They are thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4af945ec2bdc4150885f6c2c537aa73f
encoding: FLOAT32
metadata:
{"chroma:document": "We have banked at the Royal for over 35 years. Mortgage, RRSPs, personal loans, etc. We set our son up at the Royal a few years back and were planning to get him set up with a mortgage in the near future. Our son moved some money between accounts after 6 pm one evening then put it back when he realized he took from the wrong account. The bank charged him 40.00 for nsf the next day when a scheduled payment went out even though he had enough money in his account. When talking with the bank they gave some smoke and mirrors excuse about when the money was moved, we proved to the bank their excuse was wrong. They have no idea of how their system works. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d7fd672183241c4a930516dbc454331
encoding: FLOAT32
metadata:
{"chroma:document": "Recently I moved to a new town and was excited that there was an RBC here. When I went in to change my address, the teller was initially friendly. I expected a \"Welcome to the neighborhood, would you like to meet your new advisor,\" any of that, I wasn\u2019t even from this half of the country. Nothing. My visa was expiring a few months later and when it never arrived, I called in. My address was never changed. Over the subsequent months I closed my TFSA. The tellers would not book me in for it though it was in mutual funds and I would have rather met with an advisor first to go over fees but nope. She had me log in to my online banking at the teller and shut it down. No retention of my business at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 870fada127cd45c0bd83d3b64f662af6
encoding: FLOAT32
metadata:
{"chroma:document": "We purchased a custom Ford Transit 350 HD XLT with high top in March 2019. RBC was already covering 2010 Hyundai Elantra, so we asked them to add the van. Imagine our surprise to get a bill for $667/mo. We thought the rate was high, but this was our first new vehicle so we didn't really question it. Later we decided to switch carriers and CAA quoted us the same coverage for $130/mo. When we asked why CAA was so much less, they told us RBC was charging at a commercial rate. They also would not accept any of my US driving history, so instead of acknowledgement of the 30 years I've been driving and a pristine record, they charged me as if I'd only been driving for 2 years. Needless to say, we switched to CAA immediately, a savings of over $6000/year. I'm also certain they won't reimburse us for brazenly incorrectly overcharging us."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33e37d2ae2d548489c3fad186f9fc772
encoding: FLOAT32
metadata:
{"chroma:document": "My mom called RBC this morning with my help (she's a little older and not great with technology). She had fraudulent charges on RBC Visa and after explaining the situation to them we were repeatedly told it was \"just our word\" and there was nothing they could do to help. She has been an RBC customer for 30+ years and I could not believe the lack of willingness to help. We will be cancelling her RBC accounts and taking her business elsewhere. I have been with TD for less than half that time and they text me themselves when they see suspicious activity on my account, the one time it was fraudulent they cancelled the transaction immediately. We will NEVER be using this company again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51e8bc20c95c46dca1aadd037420d5f0
encoding: FLOAT32
metadata:
{"chroma:document": "After asking lots of questions, I closed an account with a different bank for my small business, since RBC offered an account with unlimited and 'free' electronic transactions. I specifically asked if I could pay my CRA remittances (payroll deductions, GST, etc.) electronically. 'oh, yes, for sure!' was the answer. Over the last 3 years I discovered"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a36f74a47f4b4b68a8614c42a6f9a429
encoding: FLOAT32
metadata:
{"chroma:document": "Been on hold now for over 30 minutes and still no one has picked up. Got a call about a charge on my card I didn't authorize, sounded fishy so I hung up and called the number on back of Visa card to make sure everything was ok with my card. Still waiting. I hope whoever is make illegal purchases with my card aren't still using it or they will have lots of time to rack up a serious bill!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9dd9ab8eec5641a78ea6bc602b4d5165
encoding: FLOAT32
metadata:
{"chroma:document": "If you have to deal with their estate department, good luck. Policy varies from person to person. Cannot get a statement for the estate, been asking since August, won't even allow view only access to estate account even as executor."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c214c57616745c2b216f6f018c795b2
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{"chroma:document": "Spend two days on the phone having to switch from 1 agent to another to book a ticket. RBC is not the place to deal with if you want real customers service. Everyone just reads from a script.. Total waste of my time. At the end with all my points it really did not make much of a difference if I would have bought directly from the airline and saved all the stress and effort that went into this booking. I will start shopping around for a better bank to deal with. My advice, stay away..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf60bdee7b464194890261dec6c21de2
encoding: FLOAT32
metadata:
{"chroma:document": "I called telephone banking because there was a transaction on my RBC visa that looked like fraud. Waited for over an hour before anyone took my call. These wait times are unacceptable. There should be more customer service representatives."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd6a247eadc34d32baf8b0914e067f9c
encoding: FLOAT32
metadata:
{"chroma:document": "Please DO NOT use this bank, they suck **. They tricked my family over and We are moving because of that. Please everyone IF YOU SEE THIS... DO NOT...USE RBC. My dad recently died and we were trying to get his life insurance because that money is obviously my dad's which gives it to us, but one of the people there Took a cheap shot and now it's cut and dry because he told my mum false information. Please do not use this place. It\u2019s sickening and the only thing good about this bank is their mints and that's all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e898a298aca44ca0a4dcc5a11f5aec8c
encoding: FLOAT32
metadata:
{"chroma:document": "If you are looking for a bank that is going to tend to your needs from a service standpoint, RBC is not the bank for you. I have had constant issues as a finance manager for the company I work for and as a business owner. I can count several times where RBC service reps have ignored calls and emails which have led to difficulties in operating my own business and the business I work for. It always seems that when you are in need of assistance they are never around. Two representatives that come to mind are Tiffany ** from RBC Port Moody and Div **. Both of them were terrible at getting back to me and they both missed and cancelled meetings that were scheduled. This bank does not care about your time or business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0da31ff8c3e040f3a44019787e5ac1d5
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{"chroma:document": "My mom is 87 and in Aug/2019 diagnosed incapable of managing her affairs. I had a valid POA and approached CRA, the pension funds, the province and was granted guardianship from everyone except RBC. Without explanation the bank refused to honour my mom's wishes in her valid POA. She remains in a facility and I am unable to pay for her care or maintain her property because the bank refuses to release or explain why it is stealing her assets. The people at Head Office won't reply anymore. The RBC Customer Care people stopped phoning after saying they have no idea what is happening or who is causing the block. The branch where mom banks refuses to explain why her assets are not being made available for her care. The RBC Ombudsman refused to hear my complaint because the Customer Care people refused to close their file. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b942d679477468e9229ce59b8c93de5
encoding: FLOAT32
metadata:
{"chroma:document": "I'm on disability. My elderly parents live with me. They have dementia and Alzheimer's. I have a vehicle loan and they keep threatening to take my vehicle because I missed a couple of payments. Worst bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bae99de532c2494b9faf996492c45c06
encoding: FLOAT32
metadata:
{"chroma:document": "I have account with RBC for 23 years. When you call them for any subject, you need to stay online for at least 45 minute. Recently they provide you horrible service. They are not cooperate with you at all. They are doing mistake and they will try to cover it. The operator is not qualified and they don't have any good direction. I don't recommend anybody to open account with RBC. Their rate is much higher than other bank. They are charge you more and even they are not provide you any good service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98021ccf52a24d529d59443f5eca15eb
encoding: FLOAT32
metadata:
{"chroma:document": "This is has by far been the worst and I mean THE WORST experience I have ever had with any bank. Attempting to help my dad pay a bill online when access was denied I called in with him. After they verified him he gave consent for me to speak as it is hard for him to understand, the lady on the other end was beyond rude and 0 percent helpful and should not even be working in a customer service role when she clearly cannot comprehend what that means. She stated she was a supervisor, which was clearly a lie and if it's true that is very sad for RBC. She told us that if any fraud happens on an account where you have used a computer that you state you have ran an antivirus program on you are liable for anything that can happen to your account after. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7152662af5804ff59c3a5be160f57bee
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for debit and credit card two weeks ago, and I still haven't received any valid card. The temporary card I first got was demagnetized so I went in to talk to a staff. He said I should have received the card by now and if I didn't, I won't received it at all. He filed me a new card. Two days later, I got the debit card in mail. However it was declined due to filing a second card. So I am still waiting. I have to pay more money because I don't have a Canadian credit/debit card. I used my American credit though it has transaction fee. I don't know why I should pay for their mistake. I am switching bank. BMO only takes 3-5 days to receive a card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c21e15e973e949d9b66b5ed01e106280
encoding: FLOAT32
metadata:
{"chroma:document": "I've banked with RBC for years. But recently, they returned my mortgage payment because I was $15 in the overdraft! I quickly transferred additional funds to clear up the overdraft. They returned my mortgage payment anyways. So, for $15 over, I paid RBC $45. On top of that, my mortgage company charges $199 for NSFs. In total I've paid $244 for being $15 over. Flippin' $15!!!! I ABSOLUTELY HATE RBC and all banks for that matter that make money on people's misfortunes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 665a8d50994c42f19a93cc5089beca2c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with RBC bank for ten years. Most of the time I haven't had any issues. I have lived in Asia for the past two years and this past year I've had so many issues with being able to use my credit card. I have not been able to book with many different hotels or airlines. I have tried with many different ones. Even American or Canadian airlines. My credit card will not allow me to do anything with it. I have emailed back and forth numerous times and the most common response I have received is \"it's an issue with the merchant, not RBC.\" I'm really tired of having to have my family members book things for me because my own credit card will not work. I'm very frustrated and disappointed in the lack of assistance I have received. When I come back to Canada I will be changing banks, I need a bank that can provide me with assistance and allow me to do the things I need to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83d19fcff7184987bbcba813b582cf90
encoding: FLOAT32
metadata:
{"chroma:document": "I have been using this bank for over 35 years and only had a couple of issues that were taken care of swiftly and with the most upmost care and helpfulness. The thing I love about this bank is they work with you not against you. Prime example if you short a dollar most banks would charge a full fee where as Royal Bank would use a minus proving they would sooner have customers than grab money for a minor mistake like most banks. (Insufficient fee was not charged even though I had no overdraft with more than one dollar yet other banks charge even if it's one penny over which was done to me before.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e5633e367764ce2afd1465eca9b40ce
encoding: FLOAT32
metadata:
{"chroma:document": "I arranged for and closed a mortgage transaction with RBC in early May 2019. I was promised $1000 cash for deposit to my account within 4 to 6 weeks. Three months later I am still waiting for the money. I contacted RBC several times. They promised that action will be taken and the item would be escalated. Even after their own internal 7 day deadline for resolution was imposed, I am still waiting and for the deposit. I am so disappointed with RBC. They can\u2019t even meet their own expectations and standards of service - this speaks volumes about the service you can expect from them. The worst part is that you contact the mortgage rep directly, as well, as the Customer Service number and they do not respond or provide follow-ups. They apologize but that\u2019s about it. They talk the talk but they clearly don\u2019t walk their talk! I\u2019m beginning g to think that the mortgage promotion offered to me is a scam. I would not recommend dealing with RBC!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a834dea3a46431ba7e98eb871b3719a
encoding: FLOAT32
metadata:
{"chroma:document": "Well, I would like to start off by saying Thank You Royal Bank. This is the 1st time in my life that I'm unable to pay our bills because my husband is in a nursing home and he was diagnosed with MS in 2017 and it has deteriorated him to the point where he can't see or walk, so now he's bedridden. For myself, I had a stroke in 2015 and I can no longer work. We both get Disability but mine isn't very much and his cheque goes to the nursing home, and his other cheque pays for our Mortgage on our house that I live in and I'm in the process of selling it. I'm having a hard time financially."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32432959f9974ee7ac6028b70b1d1529
encoding: FLOAT32
metadata:
{"chroma:document": "I like the convenience of online banking. It makes life very easy. If you would like to pay your bills in the middle of the night you can. No problem. I do not like the automated machine. You can't talk to it I just a pain. Other than that it's ok."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ff1a992356c44829e406df6362bb47f
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with RBC for 32 years, and was looking to consolidate debt. They told me that I probably wouldn't be able to get a home equity loan despite having at least 20% equity, and that a consolidation loan would not save me much more money. Then they suggested that I apply for a VISA with a 5.9% balance transfer for 30 months, I may not get a high enough limit, but it should help. I asked them \"are you sure?\" They said, \u201cYes, very likely you'll be approved.\u201d Big mistake. They outright denied the application, stating that my debt ratio was too high. When I told them what their rep told me, they talked down to me, like I didn't know what I was talking about. They then told me I could get a home equity loan, and to come in the branch to apply."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 730f6422a1674e23a8ddd144825cb126
encoding: FLOAT32
metadata:
{"chroma:document": "We met Ratna in June 2012 as we move to Calgary. At that time both just got our jobs. Somehow we had a dream to buy our own house in Calgary. We were new to this town and looking for someone to help us in buying house. We already had an account in RBC. So we just gave a call to customer service and they referred Ratna's name to us. We met her in person and expressed our desire to buy new house. She was so nice and asked for just four pay stubs and processed for mortgage pre approval. She only says that wait for another three months to become a permanent status in our employment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7536caffaece447f8c52b252f575008b
encoding: FLOAT32
metadata:
{"chroma:document": "What a POS these PVQa are. This idiotic piece of software has decided in its tiny brain that my computer is no longer recognised as secure and keeps bombarding me with these questions whenever I try to sign in. This is truly disgusting and the worst security software of any of the big 5 or for that matter just about any Canadian bank. Do you guys have a deal with Bell so that when I dump them you make my life as difficult as possible?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9beb674c084922b670718ae47f3270
encoding: FLOAT32
metadata:
{"chroma:document": "Hi my name is Fidi and I have been a client with RBC for over 8 years. I do not owe them money and my account always had funds. Last week I received a letter in the mail saying they're closing down my account with RBC. I called every department and they're telling me they can't release any information regarding this. They don't want to tell me why or what I did. I recommend not going with RBC to anyone. Whether you have line or credit or anything else, they will close your account with RBC with no explanation or reason. I WASTED OVER 8 YEARS OF MY LIFE WITH RBC AND IT WENT DOWN THE DRAIN... ALL WANTED TO KNOW WHY!?.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd29f495f2fa42e6adbdfb3fead0ba54
encoding: FLOAT32
metadata:
{"chroma:document": "I have found their staff to be extremely helpful. Having worked in many financial institutions I can honestly agree that customers are more likely to provide a bad review than take the time to write a good review when warranted. I dealt with Royal Bank in the past and found the staff offered products that suited my needs and made suggestions even when I didn't have to ask. (I am not wealthy with perfect credit.) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c24dd178b17442d88316797b5826546
encoding: FLOAT32
metadata:
{"chroma:document": "Extremely rude people work on the other end of the phone. There needs to be some serious government oversight because this company does many things that are totally unethical. They charge fees after services have been cancelled. The second you call they cancel the fees. They are clearly banking literally on people that don't look at their statements in detail. Beware. This company only cares about short term profit. They do not care about their employees or customers. Find somewhere else to do business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bd288561db54e66b48a799cd9220ffc
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a RBC client for nearly 20 years and recently switched my personal accounts to them from the credit union I have belonged to for nearly 40 years. Because I am a senior and can't always get to the branch, I rely on their on-line service to pay bills and manage my accounts. I have to say of all the on-line services I have encountered being in business, RBC seems to have the worst record. Half the time I cannot do any personal business because their system is \"temporarily out\". This is most distressing and given that I have to pay my bills on-line (going paperless!) I am very angry with RBC for not getting their act together."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c19351fb23f49eeae2bc4f44a8bc9b7
encoding: FLOAT32
metadata:
{"chroma:document": "Wow, I have never dealt with a more unprofessional business ever. I spent 1 hour on the phone with them and was preapproved for a loan. After waiting a few days for my appt I get a call 2 hours before and they tell me, \"The person who approved it was new and so we can't help you.\" I can't wait to switch everything to another bank. Any bank would be better than this one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a2fa196a39f047fcb673287d21c94bbc
encoding: FLOAT32
metadata:
{"chroma:document": "Business owners stay away from this place. An hour long interview for a $5000 credit card and then tons of signatures. After 2 weeks I was again called back to bank to sign some more stupid papers. I had a credit score of 750 plus and with that history I could walk into any bank and get a credit. Credit card is still not delivered to me after a month and furthermore the account access card sent to me was blocked."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 784e2ddd25c54593abca5b7cca6f192a
encoding: FLOAT32
metadata:
{"chroma:document": "The bank put a deposit only message on my account, I went into the branch on Monday to have it removed. I was told the manager would review my account the next morning and contact me by the end of the week. So the next day before closing I went to the branch again and demanded to to withdraw my money and the manager refused and arrogantly handed me a pamphlet on how to make a complaint. I then returned the next day letting them know that I now have missed two days of work because I didn't have money to purchase gas for my vehicle in which he responded, \"I told you I'll call you Friday.\" I returned again the next day and told them that this was the third day I couldn't drive to work and I was told to file a complaint. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13ed9e8142764240aac3b351dea3cc8d
encoding: FLOAT32
metadata:
{"chroma:document": "I have a business account with RBC. I called them to request a line of credit. After wasting about an hour on the phone, the person I was talking to (he said his name is Jay) asked me to be on hold for few minutes and then just hanged up and never called again. I have never seen such an unprofessional services like this before. It is very apparent that we get connected with RBC employees who only want to do transactions that generate big bonuses for them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c045fd70123f4eb89ec049c591a7c7b2
encoding: FLOAT32
metadata:
{"chroma:document": "The franchising come with everything in a neat package. Then little by little they start revoke credit cards and lines of credit. When that doesn\u2019t make you quite they close bank account send letters telling you to bank somewhere else. Refuse to look into problems until you pay them extra and then make you pay fantium extra fee for BDO whom you never see before. They will discharge your loan when paid...STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76675fd5311b4c53ab2a90df0698050d
encoding: FLOAT32
metadata:
{"chroma:document": "If RBC read any of these reviews they would have a better understanding that their customers DO NOT want virtual freaking customer service and wish to speak to a live person. Hire more people to deal with the customers calling in if that is the issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9709426ae534b83ac3790b96d003c50
encoding: FLOAT32
metadata:
{"chroma:document": "I have business account with RBC. Where I deposit cheques every month and all the cheques are from same one client! They been putting it on hold for 24 hours! Which was ok and now they started holding it for 4-5 days. I tried calling customer service where there\u2019s no option to talk to Real person. Has to talk to their virtual assistant like stupid and then Finally it says he can\u2019t help me so he gonna transfer my call to representative and no one answered call. They been putting me hold for 2.5 hours in process of transferring to someone real. After 2.5 hours phone got disconnected without talking to anyone. Switching my account to another bank. DONT WASTE YOUR TIME WITH RBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f911047e56fc452b8e61b41163c391a1
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a mortgage at RBC. They advertise that their mortgage approval takes from 60 seconds to 3 hours. More than 2 weeks passed and they even didn't notify me that it was denied. So I've lost a chance to apply at other banks where I believe I could get a financing easily. Because of that I lost a lot of money. Their underwriters simply have no knowledge how to work with customers. I don't recomend RBC to anyone. Very poor service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2faf310c0124c15b2296251ccfed6fa
encoding: FLOAT32
metadata:
{"chroma:document": "I have been RBC client for over 12 years, with the good background history with good income. I tried to apply for any service such as personal loan and line of credit but I was denied. It is a shame that a bank that I have no history with approved me for a very high amount of line of credit. I am thinking of switching over me and my husband both. I am so sorry to waste 12 years with Royal Bank of Canada."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b11f1ba27e3942b380a7052bb4731fdb
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my account just recently at a branch in Dundas and Spadina last month. I plan to use it after a month, once I joined my next job at a new company. The advisor gave me a void cheque for the payroll direct deposit. I gave it to HR then receive my pay slip after working there for 2 weeks since I'm paid bimonthly. When I checked my account, I was wondering why my pay wasn't reflecting so I waited few more days 'cause there might be a lag or holding policy or whatever since it's a new account. I had to investigate if it's HR or the bank's fault. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18c65c3801c543c79c4739d856c7df53
encoding: FLOAT32
metadata:
{"chroma:document": "I got a very attractive line of credit rate while working for RBC. As soon as I stopped working for them, they more than doubled it (10.35%) - banks I did not work for offer me substantially better rates. Another issue is that despite my making large payments on the line of credit that more than cover minimum payments, each time they also automatically withdraw minimum payment a few days after my payments. There is no reasoning with their 'support' staff (probably third world country staff)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 565271450ccb4ae9a39c2581649b45ab
encoding: FLOAT32
metadata:
{"chroma:document": "Fraudsters and scammer who steal credit cards work with RBC employees and inside people on RBC to allow high-risk transactions, RBC failed to flag 2 transactions for 4000+ and 2000+ each in short time span. RBC is not doing anything to stop transaction, block card or even charge back. Their security call center is in third world country. Never trust RBC again, they are under RCMP investigation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42d9b2335b164f11babbbeec45006336
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with RBC for over 20 years, I have had 3 mortgages with RBC and have been a model customer. After my wife left me, I opened a personal checking account (previous was joint) and whilst doing so in the branch I asked RBC to transfer all the direct debits from the previous joint account to my new checking account. As I was in the branch doing this I wrongly assumed everything was completed. I work overseas and a few months after opening my new account I received a message from my daughter telling me I was in default on my RBC mortgage. I checked my account and the funds were there but had not been debited for 2 months. I immediately phoned RBC on a satellite from Libya and was told to go on line and transfer the funds to my mortgage account, which I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1b84b9ebce94b718917f7b7b3baaa1c
encoding: FLOAT32
metadata:
{"chroma:document": "I have a small business and for over 10 years 2 bank accounts with RBC. I have received an inactive account notice on a business savings account stating that it has been over 2 years since I had activity on this account. In the past 2 years I have had interest deposited monthly and I deposited 70K in Nov. The reason for this letter and the notice that I will be charged $20 inactive fee is because I haven't used my client card on this account. I use my client card number almost everyday to access my accounts. How many businesses actually use a client card to do business banking? The whole premise of this letter and impending fee is insane. I will be closing this savings account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ab6ba57ab3d4bc58accad88fc59f62e
encoding: FLOAT32
metadata:
{"chroma:document": "4 years ago I was stupid enough to get an RBC West Jet rewards card. I always made my monthly payments. 6 months ago my son's father was unable to pay child support. I called them and they said they are writing off the card to \"a third party collections agency.\" I said ok. For the past 3 months they seize 80% of every deposit, they seize child benefits, everything they can. I've lost our car over this, I'm unable to pay bills, buy food for my kiddos, unable to function, really, this has been the worst experience, the lowest low blows. The credit card had a 2k limit. They have taken $3,100 in 4 months. RBC IS THE WORST."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2332afc815494e928c6573b30da0da12
encoding: FLOAT32
metadata:
{"chroma:document": "I make 100,000 ++ and own my own home and have very good credit. I applied for a home line of credit 16 WEEKS ago. Yes you read that right. They had an appraisal done and no issues there at all either. I\u2019m not looking to borrow more money, just to tidy up some building/renovation debt. I get no calls, no updates, only a reply if I go over the agents head and still no answer about my financing. I get, I\u2019m busy... I\u2019m not at the office... I\u2019m away on holiday... I will be sending all in for approval. I will check when I\u2019m back to my office???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1b4527e53084cc39827d415e51b7ad2
encoding: FLOAT32
metadata:
{"chroma:document": "I booked with them yesterday to setup a business account. Today I get a phone call. \"Hi, we're from ADP.\" \"The payroll company?\" \"Yes. We were given your information by RBC.\" The booking agent for RBC had asked me on the phone if I wanted to discuss payroll. I felt it was a sneaky way to get a referral commission by exploiting my information. I have an appointment on Thursday and best believe I'm giving them the what for. I think they just lost my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ee51983fa6f494580b8dfa3ad16a1d7
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a RBC Visa for over 30 years. I am trying to keep my credit card use under control so I hadn't used it in over a year. It had zero balance throughout that time with a credit limit of $10,000. Suddenly I was informed by my credit/identity protection company that RBC had closed my Visa account in December 2018. I had no notification or knowledge of this, and my credit rating took a huge hit and is now at a \"poor\" rating, after having been \"good\" for decades. I called to find out what happened and was told that the annual fee of $20 (due in August apparently) hadn't been paid so they closed my Visa account. I told them I knew nothing of this fee and no one had contacted me to notify me of either the fee or the closure. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d1e2f31f7924659a775556b7e8489f7
encoding: FLOAT32
metadata:
{"chroma:document": "We were taken advantage of and lied to regarding a credit line. When we renewed our mortgage we got a credit line as well. Come December the rate doubled!! We were never told and now they say our rate when we signed was just a promotion!! Branch manager said he'd look after it, he didn't, we now pay twice the interest. Should BE CRIMINAL!!! The last response from them was \"I do appreciate that rate adjustments are not pleasant\" REALLY?!? They doubled the rate without notice, CROOKS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9b76fd61cfb4b93873587846ce26b1d
encoding: FLOAT32
metadata:
{"chroma:document": "First of all that temporary card you can't do ** all with which made it so I couldn't get a rental car when my car was stolen with my debit card in it. Had to wait 7-10 business days for a new card but any other bank actually has their systems up to date. Not to mention the fact that the RBC atm machine at RBC still wouldn't accept my card. I hate RBC more than any other bank. STAY AWAY FROM GETTING AN ACCOUNT HERE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ded28076d0b4978a170e839d3f1abf3
encoding: FLOAT32
metadata:
{"chroma:document": "It was so easy for a hacker to gain access to my account through a mere text message. I lost $900 because of it. I tried TD first, but their security was good. Then RBC fell victim to this 3rd party..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f570b35ab2a4020b34e3f430e1f8dca
encoding: FLOAT32
metadata:
{"chroma:document": "My mother passed away on June 18, 2017. I just wanted to write to you about the experience my Dad who is now a widower with his bank. His Bank the Royal Bank illegally took money from his account without permission to pay off an line of credit $50k. Then the jacked up his mortgage by $500 dollars a month and wouldn\u2019t decrease it for a year. Even though 3 times we filled out paperwork and they said they would and then he had a line of credit that he was planning to get address to which he had a week ago. And the bank closed without permission."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f3eb66b47f44a5cb123e9fa8285bbcc
encoding: FLOAT32
metadata:
{"chroma:document": "I reported a fraud whom I paid after an online shopping. I called them right away after I learned that the site was fraud. All they do is keep telling you get a report from the police to show it's fraud and email it to us. When we had our report we wanted to send it to them but they said they don't have that address or whatever and that they can't refund us until they have the report. It's been a month and still no refund and when we call again they said, \"What's the case number\" and all. The same thing over and over. Still nothing.. What a shame to this bank. Very slow in helping their customers and the customer service people are rude. They don't really care about our concerns. I hope someday this bank will be bankrupt. They have poor service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ac67995e91f46318f2a2f0c1dcb772e
encoding: FLOAT32
metadata:
{"chroma:document": "Do not fall for their iPad **. I was with TD everything running so smoothly and RBC asked me to come back. They told me I just need 2 payrolls to enroll. This was done Sept 12 2018. Dec 12 2018 still nothing on my iPad after numerous calls emails etc. I finally heard from branch manager who said sorry because I was with RBC 2 years ago I dont qualify for iPad. So no letter nothing saying this. In fact when I went into RBC to open new account they used my old info from before right there in front of me and they never said, \"You dont qualify for it\" and kept saying, \"6 weeks you will get iPad.\" 12 weeks later after no word on iPad I called time after time for them to tell me this. I changed EVERYTHING payroll auto withdrawals etc just to get screwed by RBC. Stay away from them. Once they get you they no longer care."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b915106389414457bb419e99eecc1103
encoding: FLOAT32
metadata:
{"chroma:document": "Never fall for RBC promotions. One rep named Manpreet called me at 10.30 pm on June 12th, promoted to open a checking account saying I would get an iPad once I set up two pre-authorized payments through the new account. She said I should not cancel the new account for a period of one year. After showing me the benefit of it, she over the phone opened my account, transferred my mortgage payments which were smoothly going through my TD accounts, and I authorized my Hydro payments also through it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: feffedbf3562468cb524853f91456cbd
encoding: FLOAT32
metadata:
{"chroma:document": "Can't believe in this day and age that a bank like RBC has to manually input data when you request a bank statement. Took 7 months to get bank statement and still waiting for the rest of it. They lost my money and wants me to sign a bond of indemnity so they can look for it... Do you believe this?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8726d2a215946c1b71859de88dfb526
encoding: FLOAT32
metadata:
{"chroma:document": "Disgusting Practice in RBC Lundy\u2019s lane, Ontario. My father passed recently and my mother set up an appointment to transfer all my father\u2019s funds over to her account and to add myself as joint holder, suggested by her lawyer, in case something happens to her I can step in to pay her bills... Etc... Which prior to my father\u2019s death they both came in together to discuss this. The representative at the first visit sends my mother home to think about putting a family member on her account. Then we come back again today to get this done, I work full time. Don\u2019t have time for multiple visits, it\u2019s her account and she\u2019s asking me to be added if she needs it down the road. The representative again questions her, seriously."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09245a78c60a4ed19f079816d459ff59
encoding: FLOAT32
metadata:
{"chroma:document": "Over the phone for the security questions, their questions are baseless. No concerns with the identity of the person. Just confusing questions. The representative was so rude and barely knows how to communicate with client. And then denied to process credit application because he said \u201cI don\u2019t think your answers were right\u201d. On the other end TD Trust took one day to approve it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 050d3d7cfcb743c68b58aa71e37b3613
encoding: FLOAT32
metadata:
{"chroma:document": "I had an RBC employee cancel and apply for a new credit card without my knowledge or consent. I had been at the bank for a completely unrelated cash transfer however, when I left the employee had not closed my profile and proceeded to manipulate my accounts. I have gone through all of the channels at RBC with little concern from them. Adding insult to injury I recently learned that this employee was promoted! Appears they not only condone this abusive behaviour but reward it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c843458a27ea41ab9c339dfef1efc2d1
encoding: FLOAT32
metadata:
{"chroma:document": "My name is Muralikrishna **. I opened my checking account recently. Deposited cash in 2 consecutive days, got the receipt with updated amount. After 2 weeks, they hold one of my deposits. When I call customer service, response is so irresponsible. They are very rude. My issue is not resolved yet. Never experienced this type of issue and this kind of customer service. Please think once again before you open the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f25a5027ff34478583c449afebecf349
encoding: FLOAT32
metadata:
{"chroma:document": "We were flooded in 2017 and after a lengthy negotiation with the Government we chose to demo and rebuild our house. We had a balance left on our home line which gives the bank the right to block any demolition. So they are. We have documented proof that the government will pay us over and above the amount showing on our balance yet the bank refuses to give us a bridge loan for 1 month and they refuse to give us a letter advising it's OK to demo. They are costing us money in interest and in delays in our rebuild only because they can. They have been more than obtuse in their reasoning. Anyway stay away these guys are bloodsucking crooks - By the way 20 year customer who has RRSPS with them covering more than the amount we needed to borrow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b1c40cac9894eddb0306ffb178c85b8
encoding: FLOAT32
metadata:
{"chroma:document": "After 3 1/2 hrs with a 'licensed insurance agent' I believe that poor service is the norm at RBC. I have 5 vehicles with RBC and just removed 3. I only basic coverage on both and they cannot get that in place. There are options on my policy I did not authorize and their agents have no ability to address concerns in a timely manner. They have mailed me 2 policies since my calls began and still they cannot take a simple request and complete it. I am forced to spend a min of 1 hr per call (I start my calls with I with, I don't have an hour and they take an hour anyway). Call just to get it wrong again. I will be moving my vehicles as soon as I can find a better company to deal with and my shares and accounts will follow. This company will just let you down. Go somewhere else and spare yourself the agony."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b32eb574e4444e6f96d7c3ea93bfa28d
encoding: FLOAT32
metadata:
{"chroma:document": "Every so often I try to log on to one of my Royal Bank online accounts. I enter my account number and my password which I know very well. I get a message that says \"that's not what we were expecting\". After a few tries I usually just give up to try later. Next time I get the same message. What they really mean is \"we have locked you out of your account\". Maybe if they were honest and told me the truth \"we have locked you out of your account\" instead of \"that's not what we expected\" I might not be thinking about moving my accounts somewhere else. Once they sent me an email saying someone had changed my password. When I called them, it was them who had locked me out and no one had changed my password. Try telling the truth when you lock me out of my account instead of wasting my valuable time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81f092d90cfb4b3f899965eec3fb185b
encoding: FLOAT32
metadata:
{"chroma:document": "I Maria ** deposited 2 checks ($6000.00 Balance transfer check and $3000.00 a personal check) at ATM last Sept. 26 and 27, 2018 respectively. Unfortunately, I am unable to access my bank account at ATM. Went to a bank teller to get help. Waited for 1.5 hours (Barnett Highway Coquitlam Branch). The issue was not resolved and was being told to visit my branch (North Road Branch) to bring 2 pieces of ID. The RBC Barnett Branch check my ID already during my visit. Why do I have to visit my branch - North Road. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20a454e24e0b43e499d37a8c0ca7723a
encoding: FLOAT32
metadata:
{"chroma:document": "Deposited a cheque to my business account from Another RBC Client. The full funds were available to use next day and the cheque had cleared (was told that by the business teller at the bank). After waiting another day I needed the full amount of funds on the account to make payments. After using the funds and a few days pass by I check my account using online banking to see what I had in my account and saw that the cheque that was cleared and deposited into my account was reversed back into the customer's account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ecfae64cd8645c29e7e586f6a7e65d9
encoding: FLOAT32
metadata:
{"chroma:document": "I recently received a USD wire into my US Personal account for $61,856.33. All of my accounts were restricted to \"deposit only\" access, and I am able to access neither these funds, nor any of my CAD accounts or other products with RBC. I have visited my home branch in person, and was told the funds are under investigation. The bank refuses to provide any additional information, and will not give me a timeline for when the funds will be made available. Essentially, all of my money with RBC is being held hostage for an indefinite period. I am unable to pay credit cards or any bills, since all of my funds (not only the wire under investigation) are being held. Furthermore, I have received may five figure wires in the past from the same source as the wire being investigated. I have no idea why RBC is arbitrarily causing issues with this particular wire."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4115f047cf3f4eb9aaa487e997a09290
encoding: FLOAT32
metadata:
{"chroma:document": "I am attempting to apply for a unsecured, personal loan through my bank, RBC. I have accumulated debt which is \"not RBC related\" and additionally debt which \"is RBC related.\" I am sure most RBC readers can relate to similar financial circumstances. I shared a pleasant conversation with the customer care representative from the RBC customer care center in Mississauga today. Over the phone. I don't live in Mississauga. She was prompted to call me at home because I registered a complaint file with the \"BBB.\" My complaint relates to my declined application for a loan. She explained at the beginning of our conversation she does not have the authority or power to approve loans. She explained to me when I mentioned the department, \"The RBC Ombudsman\" didn't actually do anything for me because the RBC Ombudsman wants clients to contact the RBC Customer Care Centre before we contact the Ombudsman. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c9ad873de4b45b0a8d0c3e5f4653b01
encoding: FLOAT32
metadata:
{"chroma:document": "5 trips to the Golden Mile place and 6 calls to customer service to set up a chequing account. First cheque was lost but when found no hold, second cheque deposited was placed on hold, bank card deactivated 3 times, website access denied after cheque was placed on hold. Hassle trying to get cash for monies in prior to the second cheque. The constant follow up and trips and time lost beyond disappointing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3b6d9b7db7548549b22ed0cae06f2cf
encoding: FLOAT32
metadata:
{"chroma:document": "I have a RBC credit card that I\u2019m enrolled in the hardship program. I have been paying my monthly arrangement on time and wanted to continue the service. The agent was rude, accused me of being a liar, did not explain why all these questions needed to be asked. She kept me on the phone for 45 minutes. I felt she lacked people skills, communication skills and the decency of being a human being. RBC needs to train their staff on the basics of customer service and the value of clientele. At the end of the day we are all people and respect is a two-way street."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 768c0645dbd34bf19e5624bd1fc0871f
encoding: FLOAT32
metadata:
{"chroma:document": "I called RBC auto and home insurance department and first the automated system stated the wait time would be half hour. Within that time frame I was able to drive to an RBC branch for a withdrawal, stop and purchase gas, then return home and still end up waiting for an 1 hr. I was annoyed and hanged up then tried my luck again to only find out that the wait time is now 1 hour and 30 minutes. Seriously?! RBC please provide customers with the option to schedule a call back time. It's not fair for customers to sit for hours and wait for your business when there are other competitors out there offering such services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 742a8dc01ba146bc9522810ab797e531
encoding: FLOAT32
metadata:
{"chroma:document": "The credit card people told me, when I queried a double request under \"authorized transactions\" that it was the fault of the merchant but they wouldn't let it go through. The next day it did go through and took away my remaining credit on the card so various bills were not paid. The credit card people were rude and unhelpful. For example: a. Please increase my credit limit or refund the money immediately. \"Can't. It's procedure.\" b. Can I speak to your manager, please? \"No, it's procedure and as I'm following it, they'll just tell you the same anyway.\" No focus on the needs of the customer at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc1750aba9ba4d1e937e8fe437e25bdc
encoding: FLOAT32
metadata:
{"chroma:document": "Reps an RBC Mortgage agents have misinformed us. Even with emails to prove it. RBC never wants to take accountability for its employees. Even now we paid off for our car over a year and it's a hassle to get it updates with the insurance company which bears the name RBC - they say RBC insurance is not really RBC. Well no matter your partners and should not have difficulty updating a car that was paid off over a year ago. When we were buying our second house we were given in email different loan amounts on RBC letterhead then they changed it and said mistake like mortgage officer we don't honour mistakes by our employees. What a joke even though I have it on RBC letterhead signed by their loan specialist. No accountability for their system and employees is RBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a388866e6e544cf9dc092e809c047f8
encoding: FLOAT32
metadata:
{"chroma:document": "Today, I went to the Royal Bank in Penticton. They have just amalgamated 2 branches, same number of tellers for a population of 30,000 people. There was a lineup of 15 people, out the door. So I decided to go to the bank machine to deposit a cheque. The machine took my card and wouldn\u2019t respond. I asked a staff member in one of the offices if she could get someone to help me. I stood by the machine. In a few minutes, it make some noises but my card did not appear. A teller came out and rudely insinuated I put the card in wrong and that she would now have to put an out of order sign on it. I asked, \u201cWell what do I do now\u201d and she rudely said I need to cancel my card then get a new temporary card. I asked if she would expedite my issue as the lineup was long. She replied she could not. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f55b24ce792477b8ddac4efe4554750
encoding: FLOAT32
metadata:
{"chroma:document": "I went to Montreal mid July, before leaving I sent \u00a32,000.00 to my family member who lives in Montreal thinking it was the best way for me to have the money already in Canada so I could relax knowing that everything was sorted. The money left my England bank on the 21st of June and I was told it would take 5 to 10 working days, after waiting for more than 6 days me and my family kept asking the respective banks for the money but without success, I contacted my England bank asking for answer but the only thing they could do was to sent emails to the RBC which never answered any of the queries from my bank in England."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d9e2bb960fe4c8e80c296088cf6e1d5
encoding: FLOAT32
metadata:
{"chroma:document": "We opened two accounts with RBC. Jamie ** of the Salmon Arm branch spent 3 hrs with us, first opening a savings account and then a US high interest US account. She was very patient and walked us through \"online\" banking explaining every step in a detailed but user friendly manner. She explained various services, costs, disadvantages and advantages in a very friendly and professional manner. When we departed we had Client Cards, Canadian Mastercard, US high interest savings account and US Visa card applications, and had deposited monies in all accounts. As we travel every spring to Arizona this will relieve us of the extra financial expenses we have incurred in the past. Thank you Jamie."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4947dbb2cc1b49b2ad15f983a02eccbf
encoding: FLOAT32
metadata:
{"chroma:document": "I got a mortgage from RBC, and I was told by their mortgage specialist that I needed to open a bank account with them to receive an incentive she claimed they were offering. So I did so, with a very unhelpful person named Gary ** at Royal Bank Plaza in Toronto (it was an account that required a credit card and another bank product to have the monthly fee waived but when I tried to contact him to set them up, he ignored my messages). Anyway, when I tried to active my new ATM card by doing an ATM transaction, it told me I had to go to a branch. When I tried to log in to my account, it locked me out. When I went to a branch, they told me that my account was overdrawn. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a246d60aaf3f47f3befd095e9a2b78c1
encoding: FLOAT32
metadata:
{"chroma:document": "I have been really upset with services provided by RBC a few times. Last time it was the RBC customer service. I thought the customer service is meant to be helpful. Instead, I felt myself kicked off. The man on the line was speaking polite sort of but the meaning of what he was saying was arrogant. He certainly was not helpful. I was left puzzled and angry with his attitude towards my problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b86042c42b24ab98aeb47f4f004e828
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank ever. Their accounts are always kept in an unordered fashion, they want to NSF you quicker than making any complete payment. I've had NSFs for amount of less than 2 dollars as well. They are generally very unhelpful with almost any situation, this bank just takes no caring on how long you have been with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e998fb667cee47a5a56ddfdcee041e5b
encoding: FLOAT32
metadata:
{"chroma:document": "So I opened an RBC bank account because they had all these pretty advertisements about being a good bank. What a joke. Upon opening it, I was told that there are no holds, then there was one, I complained, and was told once my cheque from my work had been cleared a few times there would be no hold. To this day, after 4 months of receiving cheques that have never had an issue, they still hold MY money. After complaining multiple times, I have been told by several rude managers and equally rude staff, that they can choose how long to hold my money for based on my personal attitude. I dealt with one kind staff member after dealing with a manager who told me instead of giving me $100 when I cashed my cheque, she lowered it to $50 because I was upset. This nice staff member told me she can waive holds, any teller can, so for a while she was and it was great, all my bills were paid on time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa8ad6822906463985f7d323d9fff7b3
encoding: FLOAT32
metadata:
{"chroma:document": "In 2017 after multiple tests I had quintuple bypass surgery, open heart. Although I have held the policy since 2005, and 5 days in hospital, with the surgeon's insistence of a minimum of 8 weeks recovery, and notification to the Bank, I was advised the policy only covered hospitalization. When I requested a copy of said policy it was not provided. Upon insistence it was provided 45 days later, with provisions and maximums not declared at the time of agreement with the original policy. My premiums to the time of my operation were 2478.24 dollars. The maximum payout being 36,500.00 dollars. Not part of the original policy. I'm not sure if I am the only one this has happened to, I would like to start a class action suit against the bank if your circumstances resemble mine. After all the Royal Bank has a dedication of too big to \"FAIL\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c87559976964cf08fb4012fc094c2b9
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited a certain amount of money in my account. After a few days when I checked my account, I found that a debit of over $1000 has made and I am not aware. I called the my RBC branch. They did not know about it. On the next day I went to the bank, asked where did my money go. The spent over an hour and came back to me saying that the teller by mistake \"credited $1000 into your account and we have adjusted it and we did not consider informing you.\" I told them that the teller counted the money in front of me then she went to the machine to count them again and then gave a receipt etc. But everyone wanted to secure their RBC colleague. I was asked to leave the bank. I tried at all levels in RBC but no one wanted to help. I closed my account and now decided to go to the court."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bddf52ec0153425091c61587f6bacf93
encoding: FLOAT32
metadata:
{"chroma:document": "I've been living in Canada over 4 years and maintained a very good credit score (760+), 1st appointment I made at Kingway branch for credit card and other financial information he asked me to meet him after I get my permanent resident, after 6 month I when I went again (Surrey branch) with my permanent residence (Canadian Experience class category) which he don't understand what category 'CE' means so couldn't issue me a 1000$ credit card and suggested me to apply for other bank credit cards (American Express issued me 7000$ card). And gave zero information regarding home mortgage (which was my primary concerned). Time to change my bank with whom they treat their customers with respect."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bf480b1ce094cd897c95514fa42ee46
encoding: FLOAT32
metadata:
{"chroma:document": "When we began with RBC our advisor Miles ** said the TD Securities was selling us investments that only benefited TD. Now we are 10 years later and RBC has done the same thing. In the last 2 years he has moved our investments around several times which he hadn\u2019t done in the last ten. When we got our last statement and saw we only made 2% last year we needed to talk. His excuse was that US hadn\u2019t done well and that is part of the reason. Well the US market in 2017 broke records. Some of our friends and other investors I knew had done between 7-9%. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: acfbdb2231b342048f7eef5eb24feac9
encoding: FLOAT32
metadata:
{"chroma:document": "Worst of all bank. Stay away from this bank. Whatever they say is crap. I went to the Long Branch branch of RBC. I asked her if I will get a credit card or not, she didn't answer my question. I asked her several times, she said, \"Come some other time. We will talk about it.\" My credit score was 740, they did hard check on my credit and my credit score went down by 90 points and later they send me a letter saying it's disapproved. I don't meet their credit criteria. Then they provide their information like email and phone number and asked me to reach them if I have any query but never ever they answered my email and phone. Because of them my credit score goes down by 90 points and I didn't get credit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23114725e9ba49c5837676458aec187e
encoding: FLOAT32
metadata:
{"chroma:document": "RBC thinks that it is okay to generate several withdrawals, at one time, bounce the pre-arranged debit, rather than decline a $2 charge, have their app present an incorrect balance available then charge $45 in nsf charges for the account being $1.71 overdrawn with funds readily available in the savings account. I checked the account on Monday and they did not issue an nsf charge until Tuesday evening. Then they refused to issue a waiver for the fee, stating I could have called in to have them transfer the funds, since I didn't they are entitled to the $45, which is higher than the $38 charge that they bounced. They are so sneaky and greedy, a billion dollar bank robbing clients blatantly. It's one thing if the entire account is empty but I have seen them move $$ between my accounts to satisfy their fees yet on this occasion they couldn't do that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 163d9f7788c8484c9c670a73aad4fb09
encoding: FLOAT32
metadata:
{"chroma:document": "I have a mortgage with RBC since 1999. In 2008 I lost my job and ran my credit cards up to 30,000. I then got another job and caught my mortgage up and was work on my cards getting paid off and then it happened. I wasn't paying fast enough so they start taking random amount of the account. I went to money mentors. They asked if I wanted to file bankruptcy or pay. I thought about it for a while and decided to pay. About three months after I noticed a bill for 168.00 coming out of my account. When I ask about it they said it was for a loan I took out. HOLD FRIGGIN ON. I'M TRYING TO GET OUT OF DEBT. I didn't take a loan out. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f4d8d984d304ccdb909e76e0626ebbc
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 01/12/2019: My account was hacked. I have had an ongoing issue of extremely bad customer service at RBC. On Dec 28 a company calling themselves Credit Resources took $20 out of my account. I reported the issue to RBC and went to the bank to fill out the form to get my money back. Jan 4 I finally got my money back. However this same company Credit Resources took $20 out of my account on Jan 4 Right after it was put back in. So I went back into the bank on January 4 and filled out yet another firm disputing the charge. Then started the process to close this account and open another account. Then on Saturday January 12 I discovered that yet again Credit Resources have tried to take $20 out of my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46f7220024014a0682e9440ea69287ae
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank in the world. You are not protected against fraud and they don't monitor transactions or accounts, they hold you responsible for any transaction and accounts, they are negligent and don't do their jobs. I was robbed 2000$ from my account and they said it's not their problem and make a police report. This bank endorses fraudsters with no punishment and blame the clients. Stay away from RBC. They say trust your bank don't worry and I got robbed now. I'm very worried. Can't trust this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 252c8859ea0b4c818e99523986e13e81
encoding: FLOAT32
metadata:
{"chroma:document": "RBC is the worst bank in Canada history, they charge service charge and if you do not pay it... Consumers are taken to collection agency, even if you try to make a settlement they refuses to accept it. What a disgusting set of people to deal with in RBC. RBC START TREATING YOUR CUSTOMERS FAIRLY, WHAT YOU'RE DOING IS WRONG!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3bb01373cf6469da3a47c936ab9eadb
encoding: FLOAT32
metadata:
{"chroma:document": "On Nov 4 my bank card was stolen which resulted in two individuals depositing empty envelopes and withdrawing money. With 8 transactions they managed to withdraw more than 2000$. I viewed pictures with the OPP and have no knowledge of who these people are. The OPP have pressed charges. After having numerous conversations with bank managers and the fraud department I have been informed that this money will not be refunded because I had given my pin number to my daughter in law in October (I suffer from depression and was not able to go to the bank that day). I was treated like a criminal by the staff at the Royal Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 369e1712bca2441ca8f7d27b0ed2bc1e
encoding: FLOAT32
metadata:
{"chroma:document": "Fraud Department doesn't believe my claim of fraud, rude service - I called with a genuine claim that someone had spent over 500 CAD using my credit card. After about 15 minutes of being forwarded to 4 different agents, all of whom asked for the same information in order to access my account (absurd, especially after electronically giving card information that of course was asked again by each of the 4 agents). When I finally spoke to the final agent and after explaining my situation, the agent asked me to 'stop playing games' and whether or not I was the one who originally made the payment, way to give your client the benefit of the doubt. What kind of accusation and language is that?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0d5b4d4ad144def9b85172b3228c2e8
encoding: FLOAT32
metadata:
{"chroma:document": "On Friday January 19th at 07:58 AM I made a $900.00 CASH deposit at the ATM at the Hurontario and County Court branch of RBC. At roughly 9:45 AM I realized I needed to take back $300.00 and attempted to withdraw it from the ATM only to be told that funds were not available. I went into the branch and spoke to a very condescending and dismissive teller to clearly hates her job and sees customers as a nuisance and was told that the funds \"might\" be available the following day. I called client services at the 800 number on the back of my client card and informed them of the ATM and unprofessional staff issues. Client services made all the right apologetic noises and assured me they would pass along my branch staff concerns and my funds would be available Saturday AM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09b55d61347547cc8093e3e941fc5eea
encoding: FLOAT32
metadata:
{"chroma:document": "Hi... I am so tired to calling for this bank. I was holding more than one hour around 9 pm on Thursday 11th. Today 1pm still holding for 45min 15th. They have to keep more customer service. This bank make good money. Why they can't keep more ppl. Service in bank takes also so slow. I tried so many RBC banks. Same issue. But when we go TD calls or services are the best. I have my business account is with you. Otherwise I never will keep you guys. Still holding... very poor service. If you ask 0 to 10 what rate... it should be 0."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abd0f4e91d35480c9975113e23b1a9d3
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service skills from representatives are far and few between. The suppose Royal Bank of Canada does not help or support long term customers with high credit ratings. They have no conflict resolution skills and hang up when being challenged in a respectful way because they are unresourceful. Super dissatisfied on a regular basis and will switching banks as soon as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfd25d9348e44878b380dc9439a1968c
encoding: FLOAT32
metadata:
{"chroma:document": "We need put this word out there. Me and my wife were victims of a fail of duty/fraud of RBC employee when signed papers, without acknowledgement of being guarantors (only given last page to sign!). The bank now is suing us and is trying to take the only property our family has. We already escalate the problem to RBC customer care, however the employee responsible did not hear us out properly and ruled in favor of his employer (RBC). I would very much appreciated your input and help, for this sensitive time matter, as I believe only making this public, RBC would make the proper investigation looking properly into our proofs., RBC would make the proper investigation looking properly into our proofs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6bc195e99c47432da392cb7fc6fb854e
encoding: FLOAT32
metadata:
{"chroma:document": "I had an appointment at Saddletowne Branch to check what's happening to my account. I usually received a voice mail regarding my account. When I called, the agent said, he couldn't give any information, I need to go to branch for security. During meeting with financial advisor (lady - punjabi name and couldn't remember the name because I was upset already to this staff) she's lazy to discuss the issue or not knowledgeable to the issue or somewhat she's doing something personal because I've notice she's still have some food on her mouth. And she's not interested to attend my concern. I will never come back to this branch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5a2eedf36f8428185837e139696f945
encoding: FLOAT32
metadata:
{"chroma:document": "On Aug. 25, 2017, I deposited a company check into my personal line of credit. The teller said, \"You can't deposit it into this account until the company check is clear.\" Then I told the teller to transfer the amount of money from my account to personal line of credit. She nodded. I have 2 accounts in RBC. They can transfer it easily. What's the use of depositing my money into my private account? There is no interest to pay me while I need to pay that higher interest for my personal line of credit. RBC took my money and still charged my interest. Very dishonest! Their purpose is to charge me more interest by refusing my company check to be deposited directly into my personal line of credit. I paid higher interest rate. Very disappointed and feel angry about such a case."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5526147b69f40cf9ff18d36e338f1a4
encoding: FLOAT32
metadata:
{"chroma:document": "I've been dealing with RBC for the past 8 years, doing everything with them, credit cards, chequing, savings etc. I deposited cash thru ATM, that is very usual for me, I rarely go inside, and I do have them immediately or in the next couple of days available to me. This time not only was different their timing is unacceptable! I did deposit a larger amount than usual (cash!!), totally understanding, I figure it will take them a couple of days to figured out, I actually had to call in to see what's going on with my funds, and they told me I had to go inside a branch to clear them!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e7cd56ba5bf496eb7afaaae82672de8
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with RBC Visa since 1990 and had a good credit rating and a card with a very high credit limit. Despite this RBC decided because I had not used the card for a while to cancel it along with my line of credit. Didn't receive so much as a letter from them warning of this cancellation. Nothing! Called customer service and may as well have spoken to my dog for all the help I got. It's actually laughable because if you read RBC's website it says \"RBC believes all issues can be resolved by using open communication\" hahaha except they don't communicate with anyone. Another cracker is \"It's equally important for us to know when there is a problem...\" Wonderful, so they can do absolutely nothing about it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98bbbc24646c42289ccdaa548d81d828
encoding: FLOAT32
metadata:
{"chroma:document": "I have an account with the organization. Went in to pay because the account was dormant. $265 for charge tried to out $150 to bring the account up. The customer service told me I have to pay the full amount... even the very last increase. And there is nothing she is able to do. There was no consideration that this was service charges, \"Let's work out if the $150 will bring the account up to date.\" \"NO SORRY, IT'S IN COLLECTION!!! CAN'T DO IT.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36220c18ff6d460bb1ea30883ba6e8db
encoding: FLOAT32
metadata:
{"chroma:document": "I booked a hotel and I didn't like it, that's why I disputed the charge for only $170 and I went through all their complain procedures but no help, I just wasted my time. The bank doesn't mind paying 10 times of that amount for the lawyers and whoever was involved to investigate the issue, if you care about your finances avoid them please."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4eb824af819e4bcab94bb867c62acd47
encoding: FLOAT32
metadata:
{"chroma:document": "Most of the people posting their experiences with RBC are familiar with my story. I have been a customer with RBC for 10 years now. I am retired on a permanent disability from the Ontario Government. RBC reviews my files from time to time and offer me credit products. They like to call me on the telephone or setup one of their \"special buttons\" by online banking. They say on the phone, \"Hello, Mr. **, we are calling because you are such a \"good customer.\" Great. RBC and I have a great rapport. My business relationship started in 2008 but, the business deals started in 2012. Once upon a time, RBC must have reviewed my file, I was raising my son who was starting high school. I called RBC because I was inquiring about a charge on my account. This was made easy because I signed up for online banking and I still have the letter RBC posted online welcoming to their online banking on February 17, 2008."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 663685435b1f484eb7e051cbddb5ee9d
encoding: FLOAT32
metadata:
{"chroma:document": "It appears that RBC is not interested in further expanding their client base. If you are a non-client for RBC, don\u2019t expect any type of professionalism from the branch staff. Common Sense and Reality: If the Branch staff treated non-clients with professionalism they could become potential clients. But apparently, the Branch staff lacks proper training and experience. Hence will be the downfall of RBC in terms of client services. The other banks are gaining a competitive edge in this area."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ade3e5d4c97d4f8cab79605b460855ca
encoding: FLOAT32
metadata:
{"chroma:document": "RBC is by far the worst bank in Canada. I deposit money to many different Bank branches. RBC is the only bank that I literally need to give a blood sample to deposit money into someone's account. They always ask where the money came from, why am I giving the money and my name. No other bank that I deposit money into people's accounts am I ever treated like that. On a few occasions the person who has the Royal Bank account receives a call after I deposit the money and I'm talking about $500, $1,000 nothing over $1,000, and they say on the phone that this is suspicious activity and could be fraud. Just by simply making a deposit into someone else's account they judge it as a fraudulent activity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cea2776cc56a411f81f614c81f016b76
encoding: FLOAT32
metadata:
{"chroma:document": "I have experienced worst customer service at RBC BRANCH LOCATED AT 101 MIDDLECOTE DR. AJAX ON L1T0K3. This morning I went to speak to a branch manager. His name is **. I waited for him to resolve a matter about my account. 20 mins and he came with a angry looking face and he did not even GREET AND INTRODUCE HIMSELF. NOT EVEN A HAND SHAKE. HE JUST CAME and hand over a paper and said, \u201cWe cant help you,\u201d and walked off. Wow. I was shocked. What a service he has done as a manager. No greet. No introduction. Nothing and walking off. I am RBC client for almost 6 years and had visited all branches but never been treated this way. I hope this complaint will make a change in someone else life who will not face that man again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e40f8caa6bd84b84b53c56c1e45fefb2
encoding: FLOAT32
metadata:
{"chroma:document": "In Nov 2003 I called RBC to see someone about applying for a personal loan as I had just finished paying off a $10,000 loan with no late payments. When I arrived at the RBC and was sent in to see someone. She seemed to be shaking with anger. I wondered what on earth was bothering her. Sat down, she talked on the phone for several minutes, looked at me and said in her nastiest voice, \"Did you write that cheque?\" I assumed she was talking about my final payment cheque regarding my loan so I said yes. Then she said, \"You won't be getting a loan from us again.\" Or something to that effect. I was shocked and thought you are thankfully not the only bank in town!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd0ddd8e706b4f33927bcb534aeb676f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a terrible experience with RBC, they are uninformed and only do what is in their own self-interest. They charged me an annual fee for a credit card on top of my monthly account-fee, Then repeatedly told me they would remove the charge - after 2 weeks of continuous calls and wasted time, they conveniently told me to pay it myself from my account and had the nerve to ask me to increase my credit limit! Avoid this bank if you can, they do nothing for you and have the audacity to charge you for every little transaction! I will be switching as fast as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e395b2c39aa488c87893151c641db97
encoding: FLOAT32
metadata:
{"chroma:document": "I am a customer of RBC for about 20 years. When I opened a chequing account with RBC it was no fee banking account. A year ago I noticed there was a 4 dollars monthly withdrawal. I went to the branch and found out the reason I was charged for the account fee. I was told that I had to use RBC credit card every three months, or the charge of account fee placed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be42a74f2f0444efa8193342ecd449de
encoding: FLOAT32
metadata:
{"chroma:document": "It is obvious that the Royal Bank does not have their customer's best interest in mind judging by the awful customer support that they provide. Their workers have provided me with conflicting information each time I have called, not called me back (multiple times), and were unapologetic when I explained what was happening when I spoke to them. They don't deserve your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3e61dc8701d4d0e8ac10d23f0300b01
encoding: FLOAT32
metadata:
{"chroma:document": "I have an RBC account in Marsh Harbour, Abaco Bahamas. It is a savings account although it pays no interest. I no longer have a need for it and I have been attempting to close it, transferring the balance elsewhere, since February 2017, six months ago. It has, or had, about $1,200 in it. In the meantime, RBC have been helping themselves to my money! I have written three letters, made numerous phone calls and sent numerous e-mails. They claimed they did not get the letters. On their advice I then e-mailed a scanned copy of my signed letters. I was then told I would need to give them vocal authority. I did this. No action was taken. Since then, they have not answered my e-mails. They do not respond to voice messages left on their phone - which they almost never answer during working hours!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 772b6d697770442e938dd83451af884f
encoding: FLOAT32
metadata:
{"chroma:document": "I canceled and withdrew my investment accounts with RBC. Whilst my investment advisor was very helpful, the rest of the RBC interactions reflected a lack of interest in providing any customer support. Poor follow-up, poor response time and customer care. Once I withdrew my funds the service deteriorated further. Clearly the corporate culture is one of caring more for RBC than customer care. The myopic arrogance in this regards is sad to witness. I am now use a Credit Union - Far more customer focused and interested in providing a good service. Shame on RBC!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a18ca6fbdc994661a5a21084ec1b836d
encoding: FLOAT32
metadata:
{"chroma:document": "Tried to contact RBC fraud department regarding an email I received from RBC regarding suspicious activity on the account and I needed to click on a link to verify it was/wasn't me. I didn't click the link and thought I would just contact the bank directly. I sent an email directly to RBC. Then after a few days with no response I called RBC and sat on hold for approx 90 minutes. The agent, who answered, then told me they do not send out fraud notifications with links to click on so it was a fraud. Why could they not have simply responded to my original email in a timely manner??? Complete waste of a few hours of my day. I bet you if I wanted to move my mortgage to RBC they would email/call back right away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c14b6daceb034095aff4720ad621ab5a
encoding: FLOAT32
metadata:
{"chroma:document": "We have been with Royal Bank for many years and had an amazing account manager. In fact we did not realize how amazing he was until he was promoted and we were provided with a new manager that we walked out on the first meeting. Her lack of response to our questions and lack of knowledge and ability to deal with our complex situation was shocking. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 329ca6df0b7245dd874a84f16ff64bfd
encoding: FLOAT32
metadata:
{"chroma:document": "OMG! I cannot begin to describe the stress and upset I have experienced dealing with RBC US (Georgia) Bank in trying to get funds wired to a USA title company to complete a real estate transaction on our vacation home. Their instructions are incomplete on their website. I thought I had submitted all of the required documentation, and had in fact received a confirmation email from RBC. We had a deadline looming so I called RBC the same morning I requested the wire transfer and asked if all of the required documentation had been received. I was told the funds could take between 24 and 48 hours to reach the US title company. No problem I thought\u2013I have 3 full days to meet the deadline. I check again the next day and the funds have not left my account. I check again at the 48-hour mark and funds are still sitting in my account. I call and learn this is NOT the correct process so now we are scrambling."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0aaf99802e2f4d01a52cd9a9dcd65ddb
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with RBC for just a month... and I don't have a single good experience. Unfortunately due to my pay cheques and other deposits that is coming, I have to wait until I have the chance to go to another bank. My first visit: I made clear to the advisor that I needed cheques. He said not to worry and he was going to order. 2 weeks after, I didn't get anything on the mail. I decided to go to the branch and double check. I found out that he never ordered the checks??"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51dec462ae134bd08d32fb427bb053b1
encoding: FLOAT32
metadata:
{"chroma:document": "Being a client of 38 years counts for nothing at RBC! I have been subjected to some of the worst customer experience ever over the past 2 weeks, and there is no one to talk to about this. Client care could care less! Clearly, this institution does not value my business and I am moving on! CIBC considers me a highly valued customer and extends every courtesy possible to make me feel valued. I can't wait to move all my business away from RBC. What a nightmare!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 858857e9f7924760985e5b94758c3c26
encoding: FLOAT32
metadata:
{"chroma:document": "They have a product promotion. I upgraded my account which is previously free. Then they make extra charge to my account for a previous month bill. It took me many tries and hours and hours communications for them to correct it. They are challenging my times. Customer who do not want to waste time will just let them charged. It is not the ethics that a business should have. If they refuse to apologize, I will publish their manager's name, so their senior management can know that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e033adbcdf25435e99247d1d035e23a8
encoding: FLOAT32
metadata:
{"chroma:document": "I was 19, self-employed and personal checks would take longer to clear so I requested visa checks for payment at the completion of the job. So I deposited to my RBC account while my funds were in process of clearing. I got loans from friends in meantime so my funds cleared and my account Said I had 12,500 in my available funds and it wouldn't allow me to access so I went into the bank to teller and she pulled me aside and demanded that I give her history of my account and I was 19, careless, on a roll. I didn't keep such records so I left and came back and asked to close my account and she told me my money was seized for her own suspicion that it was shady. I worked hard for that money and she took it and told me I was beat even though my funds were clear."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 842b31f72abf437693b4fd6090a4f8ee
encoding: FLOAT32
metadata:
{"chroma:document": "I don't know how this is even legal. PLEASE ask questions about how the premiums are calculated and how your loan payments are applied. It appears that they charge interest on the premiums. Also, they cannot explain exactly how payments are applied to the balance - interest first? Insurance premium? Balance?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62e66d8923e84e2ab696278d585b12b1
encoding: FLOAT32
metadata:
{"chroma:document": "RBC banking, takes advantage of their clients. They take advantage of their clients by charging money. I tried closing an account because of a rude employee and they charged me $777 for no reason. When I called I had to wait 25 mins to get a hold of a representative. This was my 4th time calling in less than a week and I was given no explanation but was told to call back before their collection agency called me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f61dcfcb61164904b495ce760ddeb885
encoding: FLOAT32
metadata:
{"chroma:document": "Ok so it's been over a year of RBC SPAM calling my cell phone under various phone numbers, like 10-20x a day, I block their numbers they find more numbers to call me from. THESE ** ARE ANNOYING. SO it all starts with one of their LAZY MORTGAGE REPS. I signed an agreement to purchase a house and passed on the contract to one of their mortgage reps in Halifax. The mortgage rep had 1 week to get the paperwork submitted to approve my mortgage application. I gave him the paperwork Saturday night, no reply from the RBC rep all day Monday, Tuesday, then Wednesday he calls me and says he's \"almost complete my file\". I told him he already had 5 days and time before that to work on my file, now I only have 3 days left to get the mortgage approved (this guy was a complete slack ** who never answered his phone or returned calls). I told him if he doesn't hurry up and do his job in a timely fashion, that I would lose the house."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 977e3442a08346e596baa7a9fee5fd82
encoding: FLOAT32
metadata:
{"chroma:document": "Well I don't even feel like a human being today. My mother passed away, I know I lost my best friend. She was a wonderful person who taught me right from wrong, to embrace my differences and above all to be honest. I'm aware these days that's rare, but I pride myself on my honesty. Well the issue of her medical bills and a add on funeral expense, not including food and other things, I've incurred. I go to the bank because still grieving I never took cash out of her account to cover everything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a43dd2c5bf54532bd4b6b46b60427a6
encoding: FLOAT32
metadata:
{"chroma:document": "I've always been a great payer. I paid my bills on time and wanted to keep it that way. A few years back I got sick and lost my job. With only one paycheck coming in instead of two it made it difficult to continue being an outstanding payer. So we went to the Royal bank where we've been using for over 30 years. At that point our house was almost paid and the person who help us then told us that the best option was to remortgage the house and pay the car and play with what was left until I would be back on my feet health wise... so we did. Unfortunately, my health is not getting better and could not get a job. As the months became years payments were hard to do. We tried everything to get us out of it but it wasn't happening. We were paying the mortgage and the other bank payments but the credit cards were left out without some payments. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee6e731dcf0247559c003bcc304b8f66
encoding: FLOAT32
metadata:
{"chroma:document": "It's so messed up, the bank gives your details to a third party who will keep taking money from your account claiming it's for balance protection though to the best of my knowledge I did not approve it. Phoned the bank, they transferred me to a third person and talking to him was like talking to frozen 500lb rock. Very disappointing. Very frustrating."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e305b4e1bd28489eb2d6ae758588b804
encoding: FLOAT32
metadata:
{"chroma:document": "I recently went on a trip to Ecuador. My medicine was stolen. No problem, I have medical coverage from RBC that I paid for. Do not buy medical insurance from RBC as the only thing they would cover is a visit to the doctor. WHAT A JOKE THE RBC MEDICAL COVERAGE IS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 082c4f122ba94b3190b3be4e9062265f
encoding: FLOAT32
metadata:
{"chroma:document": "I went to the branch to do a wire transfer but they said I can do it through online bank, I did the transfer but the money was never received by the recipient so I kept going to the bank but they said since I did online I have to call online banking. It been three months the recipient hasn't received the money, eventually I ask the bank to get my money back. They said they can't do that. I said can I do they I have to call the recipient bank myself or lose the money. I went to the branch I talked the recipient they put their bank in the fine and their bank confirm there is no wire that came in. This was done in front of financial advisers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04e488c1c022419a8fef1242e5ebf1ad
encoding: FLOAT32
metadata:
{"chroma:document": "If I can give RBC 0 stars I would do it. After being with RBC for more than 20 years, I\u2019m fed up with this bank closing down all my accounts with them. Decided to switch my mortgage to RBC from another brokerage since all my business and personal accounts are with them thinking it would be easy to have all my accounts with one bank. They told me they can help me out a month before my renewal date and all they did was ask for documents after documents for almost 4 weeks, after submitting every single documents they required they decided to reject me. Now my renewal date is in a few days and I have to either negotiate with my old brokerage or switch it over to another. They pretty much wasted a lot of my time making me run back and forth for no reason. I decided that this is the last time I'm going to be dealing with RBC closing down all my accounts with them VISA, LOC, GIC, TFSA all my personal and business accounts and moving it to TD. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff85516f0c754de386129c24e025691c
encoding: FLOAT32
metadata:
{"chroma:document": "This is an institution that does not care about its customers. They are ruthless, uncaring and arrogant. DO NOT BANK HERE! I visited my home branch recently and requested a wire transfer of 4K to a Beneficiary in the United States. After I left the back the teller called and informed me that she sent the wire twice, in error. She sent $8,000.00 dollars when I had only authorized the transfer of $4,000.00. No problem, I thought. They will simply correct it. WRONG!!! The Beneficiary already received the money and has not responded to correspondence from his bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0a65bad965d4f1b99d1c9562f876b68
encoding: FLOAT32
metadata:
{"chroma:document": "Royal Bank of Canada repos my truck and lost 22000 thousand dollars at the same time and ruined my good credit. When they came Nov 29th or 30th I told them someone made a mistake. God makes a pencil we all make mistakes. l bought a 2006 Ford truck in March of 2008 from Belanger Ford. I bought disability insurance on the loan. It was 1411 dollars. I got sick Dec 2nd 2010 with major depression disorder. I will never work again. I was 43yrs old, wife, 4 kids, 2 with autism. I had to go off on short term 15 weeks disability. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88f55e41a10743e6bed01cc39f30d3c8
encoding: FLOAT32
metadata:
{"chroma:document": "First time dealing with Financial advisor at RBC. With all my trust, I let the advisor handle all the forms submit as he requested to do it for me, otherwise I would have done it myself in a timely manner. The forms were to get my other financial institution's bank accounts RRSP transferred to RBC. After 3 months of waiting with \"no response from the other banks\", I was fed up and talked to the other bank. During these 3 months, RBC advisor did not contact other bank, did not send any forms to the other bank. And asking for the original copy from the financial advisor was a pain. When I got to the branch and demand for a fix, the branch teller can only tell me, let have another Financial Advisor to contact you to fix this. The other financial advisor never called."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27147f066e8c4a2dbe2355f6f166a7d0
encoding: FLOAT32
metadata:
{"chroma:document": "So in a hurry (I have 4 kids) I missed the bank. So I deposited 2 cheques into the ATM. They were for small amounts ($210 & $105). The next day I went to sign into my mobile app and it wouldn't let me so I called customer service. I sat on hold for 20 min and then transferred 3 times. Then I was told that my account has been restricted and they can't tell me a reason why I have to go into a branch. So, I headed to the closest branch. I asked for the branch manager because I was upset and wanted answers. He said my account has been temporarily suspended by the fraud department. He called them on the phone, spoke to them for about 2 min and then hung up. He looked at me and said \"You deposited cheques into the ATM until they clear your account is suspended. You will have to come back to the branch in 7 days and we will see what we can do.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 132d35b47f5445a6ad794d7f238adf3e
encoding: FLOAT32
metadata:
{"chroma:document": "0 star if I could. I don't understand how this bank gets away hiking Visa rates from 11.99% to 19.99% in 1 month to teach me a lesson for being late once on my minimum payment (false - never even happened). After 30 years with this bank I'm ready to move on. A bitter disappointment. I had a mortgage, student loan, and other accounts that are all paid off. Now I will surely close my business account and move on. This bank is in the toilet. Stay away. They lack ethics and don't care about long-time customers. THIS BANK is what's wrong with this world. RBC is a hooligan institution. Ask yourself, when is the last time you made any money banking with these guys? Is that even a concept anymore? Monthly fees are outrages and always outweigh what you make back on any interest. Customer service is a joke. My kids can read better off of a transcript better than these monkeys. Better to keep your money in the dirt.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f55b887983344dc2ac7ac8075a40a5a1
encoding: FLOAT32
metadata:
{"chroma:document": "Went to RBC branch in Mississauga trying to get a small line of credit, around $5,000. I have a mortgage with RBC with $300,000 in our home equity, above average household income, good credit, plus $115,000 sitting in my bank account. The \"Financial Advisor\" was condescending, basically making it seem like it is unlikely that RBC would even approve of the small LOC. Spent an hour in her office and left feeling humiliated like I never have before. The last straw was when she suggested to increase the chance of obtaining this small LOC I needed to deposit $5,000 of my own money and lock it as a GIC at RBC... um. What?! RBC opened up a credit card for me a few months ago without me even wanting it with no issue at all, the second I needed a small LOC all of the sudden became a huge issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 975a13f588a54c23b217233f9602823d
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with RBC for 17 plus years. Today called Visa call center. Spoke to GREG at Mountain. He was rude and wouldn't even get me a supervisor. I will cancel all my business with RBC as they don't know anything about customer care, does not even deserve one star."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7df47fbfe1414f21ad62927085b0ad76
encoding: FLOAT32
metadata:
{"chroma:document": "Disappointed in the customer service of RBC. \"Mortgage Specialists\" have a huge attitude towards middle income families and make you feel like they are doing you a favor by applying for a mortgage. My recommendation would be, find a different bank to deal with in the future. Change your bank before you need to apply for a mortgage here. Having equity, good size down payment, and average to good credit scores will not be enough for these superior beings. Look at credit unions as they seem to be the real future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac8d5616b26f4ca19c35dfbb784059fe
encoding: FLOAT32
metadata:
{"chroma:document": "The bank employee made a mistake which costed me $11,000. I complained to the bank, they investigated and came back to me with a story of all lies. The bank employee lied to avoid taking responsibility. I informed them it is all lies and they should review phone call records, they informed me that they don't record phone calls at the branch. Although whenever we call RBC it always says at the beginning this call will be recorded. Simply the bank steal our money thinking we are venerable. We now spending time looking for a lawyer to start a court proceeding. Avoid this bank at all costs. Very terrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd6b2c43b097467bbf98dd958ad4f2b7
encoding: FLOAT32
metadata:
{"chroma:document": "RBC has become an extremely frustrating bank to deal with. I have been a customer of RBC for over 40 years and a very satisfied customer until the last two year but have decided to switch banks after numerous issues with the bank over the last two years. The latest one being unable to get a refund on my safety deposit box after cancelling it. Three trips to the bank with no refund or phone as promised in each occasion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8bfcfd775ec437296741408ad25948c
encoding: FLOAT32
metadata:
{"chroma:document": "This bank charges you $20.00 to cash a check that was drawn from their bank if you do not have an account with them. It isn't enough that it is a payroll check and your employer does business with them. This is a complete RIP OFF!!! Will NEVER do business with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ca71e1d60234b14bbcda76f68f4e666
encoding: FLOAT32
metadata:
{"chroma:document": "I don't know where did they hire the no patience people for the first call on customer services. I had experiences with a bad representative this morning. She was no patience, not nice, mean to talk. She just cut off the phone when I was still talking. The phone number I've called is: 8007909130. I have never met people like this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c0723838ee94b2eb3e5395c9a9a22e6
encoding: FLOAT32
metadata:
{"chroma:document": "The bank is always taking your money with no explanation, always check your account before purchasing anything, they play with your $, are rude, nasty, don't care about their customers, in order for them working less they force you to cancel your debit card. They know you need it and it takes over 7 business days to get a new one. You get charged for using the bank's ATM to withdraw $, check your account balance, get a print out receipt, even if the ATM charges no fee for withdraw. But the customer service takes the cake. Wow. This bank is trash, trash. This bank needs to be investigated like tD & Wells Fargo that had investigations & money refunded to the customers for them stealing from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4c7d4bf91b849fda2a076f9e0dd50f4
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was transferred to M&T and every person I have spoken seems to not know what they are talking about! Let's talk about the lack of tact when speaking to someone. Michael G and Pete was the absolute worst! Michael spoke over me, very loud and rude. I really hope they record their calls for customer service training, because HE really needs it. Pete was condescending and could care less, as though he was late for lunch. I hate that my loan is now with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cf977aa75e04898816147dcbd19690f
encoding: FLOAT32
metadata:
{"chroma:document": "A day ago. NEW. I deposited a check with this bank for my closing for my new home that was gifted to me by my mother. This check has been in hold since 5/13. An official check from Chase!. They blocked my account so all my bill pay bounced back and now my car insurance had canceled. This bank is racist. They think I'm a thief when I'm just trying to purchase a home."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f58da84f4c5b430987687c16a27665f1
encoding: FLOAT32
metadata:
{"chroma:document": "Called Customer Service to verify the routing number for a wire transfer. This is a general question. Some banks have a routing numbers for their checking/savings accounts and a completely different routing number for wire transfers. Rep refused to give me the routing number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9717f0e866e345ba9a1ba941ea0b97c8
encoding: FLOAT32
metadata:
{"chroma:document": "My loan was transferred them! Horrible experience so far! I hate this. I\u2019ve had to call them 3 different times to have an analysis done because my payment increased when they took over my mortgage! 3 different times for something so simple. I\u2019ve spoken to about 7 people and no one has any answers as to why my payment increased and is a different amount monthly! I keep getting the run around! Incompetence!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4531b6c8db154439bcc2eb0b9bcae011
encoding: FLOAT32
metadata:
{"chroma:document": "Would like to say mandtbank is a horrible bank to deal with went to Golden mile in frederick md would to put my check in as cash wouldn't let me. Knowing I could I have had so many problems with mandtbank. It's horrible worst bank to deal with closing out your debt card and not even telling you horrible customer service. If you deal with mandtbank close out your account"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 053a4ada322742eca5b2be8e8fd71fac
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible service from this bank/lender. The customer service lied to me repeatedly almost every single time I had to call them. Upon paying off our loan, even after the final payment was taken from my bank, M&T refused to give me any sort of proof of payoff. My access to the app and the website was removed \"because the account was closed\". Yet they refused to email me any proof of payoff. I was in the process of buying a new RV and trading the old one (we just paid off) in, and M&T made me wait 10 business days before they would snail-mail my proof of payoff. Then an issue that was partially my fault, I had forgotten to cancel my auto-pay from my bank. So after payoff, an additional payment was accidentally sent to M&T through ACH."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c6aea38304b474b9223d87662c787d3
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT TRUST THIS BANK!! My PERSONAL and SECURED information was taken by M&T Bank employees (Genesee St, Utica, NY) and used for their personal gain. I have the proof and I\u2019ve contacted M&T Bank twice to file a formal complaint and request an investigation. It has been a week already and NO ONE has even attempted to contact me regarding this matter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ccac48f9a7548fa82186f363a2d0001
encoding: FLOAT32
metadata:
{"chroma:document": "Do Not. I repeat \u2026 DO NOT BANK WITH THIS COMPANY! Ever since they have taking over People's United Bank it has been nothing but issues! Problems retrieving money, the tellers are all unprofessional and very rude! Take your money out and run!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccf0283c070c4c638ff655544c0763f2
encoding: FLOAT32
metadata:
{"chroma:document": "Unhappy with customer service. Local bank unable to help resolve in person, so you have to call to ask why they offer no interest on money left in checking account, yet they charge $2/month for paper statement. They insist I do banking online, which is fine, but I like paper statement. Was a faithful People's customer for 23 years, and could always talk to a real person."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0617579391e74414a2e5f63252f4a4be
encoding: FLOAT32
metadata:
{"chroma:document": "Will transfer you ten 10 and yet will not get any help - ** customer service. Hung up on me. Done with it. Worst bank. People in United bank was the best!! Will definitely be switching my bank. No longer want any service with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d856514dc44d4f8a8ddcea31b655fdb6
encoding: FLOAT32
metadata:
{"chroma:document": "For the past several months, M&T has declined several of my debit card purchases for no reason. There is obviously a system issue that needs to be resolved, and this is extremely frustrating when trying to use debit cards. I have lost out on purchases, sales, tickets, etc due to this issue. I have filed multiple complaints with their fraud dept with no resolutions and future declined purchases. Unacceptable, and I will be changing banks as soon as I am able. Super frustrating since I\u2019ve had them for years, and have several auto-deductions and direct deposit with them, but this is getting ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 525cf1bd21264241bd7b2b25fdadb804
encoding: FLOAT32
metadata:
{"chroma:document": "This company is unethical, unorganized, and has appalling customer service. They lost my electronic release of lien for my car loan and thus I haven't been able to retrieve me car's title for over 4 months now. Customer service hangs up on me repeatedly. This should be illegal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e24659c17764ae187668285508c9e77
encoding: FLOAT32
metadata:
{"chroma:document": "Where have all the M&T tellers gone? Doesn't matter which location in the Buffalo Southtowns you go to, there is always at least a 30 minute line. Two tellers, one of which is alternating with the drive thru traffic. What corporate dingbat decided commercial tellers no longer warrant a separate line? Now everyone gets to wait even longer than 30 minutes when both tellers are handling commercial business simultaneously. The last 3 months lines have been out the door no matter which location I visit. Hey M&T, our time is valuable too - way too many small local banks we can switch to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40a887f5cb6f4464a90cf5cb1e1bb537
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was recently sold to M&T Bank, unfortunately. This was an investment property with me & 3 other people on the mortgage. *I had attempted to set up ACH payment via their mobile app but was unsuccessful (I ultimately had to do this via PC for those having the same trouble). I do take responsibility for missing a payment in the confusion (I should've checked the bank account to see that the money wasn't withdrawn but didn't). BUT, M&T claimed they tried to contact me about the late payment when they were actually calling a work number that isn't answered by any of the 4 of us directly, and the call was never received. They could've, and I'd argue \"should've\" called any 4 of the cell phone numbers associated with this account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5ab04fabfad42838548f5e109b08d3a
encoding: FLOAT32
metadata:
{"chroma:document": "I am a disabled veteran who was recently awarded 100% disability, property tax exempt. After submitting all supporting paperwork, I was told 5 business days for an escrow analysis to be ran and the overage funds in escrow would be refunded. It has been 2 months with no resolution to date. Due to this company's negligence, I have faulted on my mortgage. I am saddened by the lack of integrity of this mortgage lender. This is the exact problem that needs fixing with how veterans of the United States are treated once discharged from service and are no longer of use."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dcbbac0505c4b079762a3b26533705b
encoding: FLOAT32
metadata:
{"chroma:document": "So I have a mortgage with M&T bank. Never been late once until somehow a payment bounced that I paid. Even though I got the notification that it went through from my bank. Went on with my life. Well I heard from them 32 days after my payment was due. Stating that my payment wasn\u2019t paid. And I remember paying it. Look back in my emails. Had the verification of my payment went through. Then realized somehow it bounced so I paid it. Well they decided to put a 30 day late on my credit report. Even though they knew this wasn\u2019t my fault. Causing my credit score to drop 100 points causing other issues in my insurance to cost more."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01f7c91fe5c245e383a944d3a7628d7f
encoding: FLOAT32
metadata:
{"chroma:document": "Please watch out M&T bank closed out my credit card without me knowing saying because of a fraud alert. M&T bank didn't notify me about canceling my card. Until I try to use been having more issues with the bank. And thanks to them I lost a day of work so that's a day of pay for me. So please watch your account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 730484c75fa3446ab445b50f4407109b
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is shady, unethical, disorganized, and completely incompetent. Three months ago I accepted an offer on my house sale by a gentleman who is using this bank. Our original closing date was October 1st, they didn\u2019t even order the appraisal to be completed until October 6th. It came back at 10k over my asking price and he was told that no repairs were needed because of that (it was an FHA Loan and the purchase agreement clearly states the property is being sold AS IS). They do not respond timely or at all to emails, and they do not offer updates. The buyer had to resubmit several forms several times to several different people because they apparently also do not communicate internally."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cd88ed3802741318df297b0b5cbbd08
encoding: FLOAT32
metadata:
{"chroma:document": "On Sunday 10/09/2022 I contacted M&T bank formerly People's United Bank since they did not move any bank statements from People's United to their computer system and only have 60 days worth of transactions online to view. I asked for at least the last year's worth of statements. I received a message that the statements were ready but that was only for the month of October. So now I have Sept and Oct of 2022. So I called and spoke to a pleasant customer service rep who said she could not do a full year but could transfer me to a specialist who could probably help. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: becc4875e06140a0ae2d9fa9ac2d9aea
encoding: FLOAT32
metadata:
{"chroma:document": "I recently took out a significant mortgage with the bank. I had a great experience until I opened a checking account and tried to access my mortgage and checking account online. I have not had access online to pay bills or access transfers or any other service for almost a month. The local bank tells me I have to call the 800 number. I have spent hours on hold and still those answering the phones are not able to fix the issue. I then resorted to calling the head quarter in Buffalo. Nothing. I do not understand how a success business can be run this way? I would not open an account with M&T because no one is empowered or trained to help you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2935fcaf76ce4d89b94ca24e0c0d5f93
encoding: FLOAT32
metadata:
{"chroma:document": "Just \"forced migrated\" from People's. It takes M&T DAYS to post ACH payments. My credit card company posted my payment as received 9/30. Today, 10/4, M&T STILL hasn't deducted it. But they're \"very sorry for the inconvenience.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a6eb871ff304fc1af318852d165cb7f
encoding: FLOAT32
metadata:
{"chroma:document": "I called to lock my Home Equity Line of Credit. I have been waiting 32 minutes with no sign of the phone being picked up. This bank is a nightmare. Avoid like the plague. No matter how many times I call them, it is impossible to speak with a live person, and I can't use any automated services to get done what I need to do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a17f7bb4450497abbfd6063b9637bcd
encoding: FLOAT32
metadata:
{"chroma:document": "Bill pay unable to change $ amount and frequency on existing established. System unavailable alert received every time, day or night. Ongoing issue since merger with Peoples United. Waited 40 mins for rep who was unable to assist. She suggested I cancel my current bill pays and start over. I have no desire to do that! Put on hold. I hung up after 23 mins of waiting. I\u2019m soooo frustrated!!! I\u2019m afraid to cancel current Bill Pay as I may encounter insurmountable issues to set up new Bill Pay. I understand there is always issues with mergers, but this too long and unsatisfactory. Ridiculous wait times!! M&T doesn\u2019t even have a customer service email address."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d77ad9109074b58847de3999d1a9097
encoding: FLOAT32
metadata:
{"chroma:document": "When People's United Bank was purchased my M&T Bank over a month ago, I have not been able to get into my account online. I keep getting locked out and have to go the bank to check my checking account balance. People's United Bank was soooo easy to log into and this one just keeps locking me out. Can never get to a rep by phone because it keeps hanging up on me. If I didn't have overdraft protection on this account, I would change bank in a heartbeat. So far I HATE THIS BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d6f951d062d433995e063d7414cd704
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{"chroma:document": "I have been on hold for over an hour the first call and an hour and a half during the second attempt. The first time with patience, I finally was transferred to a customer service representative. I need to get a title as we purchased a vehicle out of state and are trying to register it in our state. I was told that I need to request this in an email. They gave me an email address that bounced back. I was not able to get hold of someone the second attempt after being on hold for almost two hours."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fda06f5527d461d92bda7e601e8a1cf
encoding: FLOAT32
metadata:
{"chroma:document": "We purchased an RV and secured an installment loan through M&T bank. We scheduled payments through their app. Every single time the payment was scheduled, the bank would take out 2 payments even though only 1 was scheduled. We have called customer service several times and were assured that the payment would be reversed. The other problem is every payment we schedule was being reversed and they claim it was due to insufficient funds even though there was plenty in the account to cover the payment.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0cc398ddb6a44d9593f4842a8563c4d1
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metadata:
{"chroma:document": "M&T Bank just bought People's Bank. My old bank. Since the takeover all old people's customers could not log into their accounts. Then customer service was so overloaded. They do not answer the 800 number even after 1 hr wait. I have read the scary reviews, I will be looking for a new bank toot sweet. Be afraid."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bc8e510abd0428aa7741a868b4b7260
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{"chroma:document": "I called the mortgage division about paying off my loan. They said that they could not email me the final statement but would mail it to me. The mail never arrived. I called them back 2 weeks later and the rep said they did not mail the statement, but did fax and email it to my M&T rep. (who later told me that's not true, he'd not received any info). At that point they said they actually could email it to me, but it would take 2-3 days. They also said I could just go to my local branch and close out there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efcd901ad82b4bca8e23db48cb9a00f6
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{"chroma:document": "Remediation Contractor here that provided services to a homeowner. The insurance company made the payable to the homeowner and M&T (mortgage co). M&T took the check 4 months ago and has still not dispersed any payments!!! All documentation has been provided multiple times. Every time the homeowner calls, they are told something different and need more paperwork. In over 10 years of business, I have never had a problem like this. I feel terrible for the homeowner!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3377c4285c4a4424a06a9bf4c2af7533
encoding: FLOAT32
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{"chroma:document": "Tried to get a 10 day payoff on my RV loan to give to the new owner's bank, new bank requires a paper copy, called M&T, after over an hour on hold, I finally spoke with someone who said they can't email me a copy of the statement, they would be glad to mail it to me in 3-5 days! It's 2022 folks, if you can't email a PDF statement to me, your bank doesn't deserve my business, not to mention the lengthy wait time to speak with anyone! Automated system is a joke, it asks for your account number, but won't accept anything you input. What a horrible customer service experience, glad I'm closing my account!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 352c34eceef141dfac5f10e5f979c249
encoding: FLOAT32
metadata:
{"chroma:document": "Just spoke to a supervisor who called me a liar. He told me I had only made 3 payments since opening my account in December. Shell oil is a monthly bill! M&T has had problems paying it for 7 months that's why their records show only 3 months, my January and February bills were not paid by m&t plus my Shell card was cancelled for the first time since the 1980s. I've had to pay shell $87 of late fees because m&t can't get a check, not even electronic payment on time and I mean a week before it's due. They blame everyone but themselves!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ccf29237d93435f88178ec35d0dd00e
encoding: FLOAT32
metadata:
{"chroma:document": "I banked with M&T for 20+ years and I have extremely poor experiences with M&T. Everything to failure to provide a new card upon request after an old one expired, to consistent failure of the \"online banking\" website, to bank-to-bank transfers simply not working, to taking weeks of time and hours across multiple phone calls and branch visits simply to close a checking account. However, at this branch, senior relationship banker Yvonne ** went above and beyond for me in a fruitless effort to assist me with an issue that M&T's central system wouldn't permit her to remedy. She stayed past bank closing time, she bent over backwards to try to help me however she could. Other branch members were extremely friendly as well. It's not their fault that their bank's system/infrastructure is terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7fd7444aded42128ce65f73d89086e5
encoding: FLOAT32
metadata:
{"chroma:document": "The bank blocked my online access for no clear reason. When I called the customer service the woman was very sassy with a condescending attitude. After the account was unblocked I told her I did not need her help anymore. She told me I had to change my login. I replied I would do it on my own. She insisted that I do that while she was on the line otherwise she would block my account again. She said my account was blocked because I traveled out of the country. The thing is that I traveled more than one month prior and returned and used my account daily with no problem. 30 days after I returned to my home city they blocked my account. Faulty software and sassy customer service. I do not recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4f3615a6f944a88b28314966d712bc0
encoding: FLOAT32
metadata:
{"chroma:document": "Stupid staff and terrible experience. I plan to change the bank now. Would not recommend this bank. They need lots of improvement to continue their business. I will not return to this bank in future. Hate it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a3aa3ef366d4ed892af00837d91d4ef
encoding: FLOAT32
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{"chroma:document": "I have had a mortgage through M&T Bank since 2009. I refinanced in 2015. My property is a duplex with two separate tax parcel numbers. Annually for each tax parcel, county, local municipality and school district real estate taxes are due. This means that there are six separate payments each year. M&T withholds the total amount for all six payments. Every year since I have refinanced, M&T neglects to pay the local municipality taxes for one of the tax parcels. The other five payments are made in full. Each year, the local municipality sends me a letter that they aren't paid and that a lien will be placed on my property. Each year I spend hours on the phone with the taxing authority and M&T explaining the situation and trying in vain to have them correct it. Each year, someone from M&T assures me that the problem is corrected and that it will never happen again. Each year it happens again. This is the 7th year in a row that this has happened. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46629e039dde4893a49b1be70ef67db1
encoding: FLOAT32
metadata:
{"chroma:document": "Awful, I have a car loan from M&T. I make my payments 2wks early like clockwork. Then out of the blue they reported 2 payments I made last year as late. This dropped my credit score 100 points. I have been unable to reach their customer service even though I have waited on hold for hours. M&T it's time for a management change, you can't blame your crappy service on Covid anymore. I will be looking for a new bank and an attorney."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38438ef603f4480db83607929d1bbf24
encoding: FLOAT32
metadata:
{"chroma:document": "I opened account in M and T Bank last Monday. I logged into my Web account on Friday of the same week. I was not able to login pass the security questions. Called customer service said I can place a ticket or go into the bank and Close account and then reopen. They could not tell me when I would have a resolution. End of story! I asked if we can expedite, answer was NO. Big inconvenience not a good bank, poor customer service. Secu is a much better Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d78972e020094690ba62a43ad5dc8aec
encoding: FLOAT32
metadata:
{"chroma:document": "M&T bank's new automated system is horrendous. Doesn't understand the word \"transactions\". When it finally dies, Doesn't give the most recent ones, gives them from a month ago. Finally talked to a person said there's many complaints! Then do something about it!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ec84cff19c44632b59fb50090ed10cc
encoding: FLOAT32
metadata:
{"chroma:document": "Lost card, contacted support and had a replacement sent out. Received card and activated, problem is I cannot use the card because it seems my pin was reset also. Now I can't change the pin because the website, app, automated phone service won't allow me to sign in without my pin. A human has not been reached yet after days of trying to contact one. Not sure what really to do other than pull funds and close account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6819008ddb48400d89187f746a6e170f
encoding: FLOAT32
metadata:
{"chroma:document": "I just open up M&T Bank on March the 5th which is on a Saturday and I just receive a check from Bank of America for 99,999 dollars and when I deposited at an ATM like this Monday when I tried taking out money the lady said I had no money in my account so I called the m&t bank customer service and I explain to them what happened so I told them that my account has been investigate because the check that I got from Bank of America which I don't used anymore. So I ask them how will my account will stay investigate and they said they don't know. So honestly I had to close down m&t bank because honestly they accuse me of depositing fake check which is not true so they ask me where did I got the check from and I told them I got it from bank of america bill pay online and the lady ask me who give you this check and I told her i got it for my self. So I'm planning on closing M&T bank account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53ac65d80bd140ecba997ee0d8058440
encoding: FLOAT32
metadata:
{"chroma:document": "When we were purchasing our camper we were pre-approved through our bank. We decided last minute to go with M&T because it was similar interest and easier - the dealer was familiar with M&T and the M&T person told us we could pay this off early with no penalties...this is a lie. I have mailed 2 checks in towards principal only. They will only extend your next due date. They will not put extra towards the principal only. I called and an agent told me he would help get that fixed... Several months later it is still not fixed (my due date is now August of 2023 for my next payment). I called again and got an honest agent. He told me the truth... They are an interest first bank. You can pay extra but it won't help...you will still pay full interest. Don't use this bank. Go through your own bank or a company that is honest. We were overly eager to go the easy route...big mistake. They are extremely and purposely misleading!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf0d61e0d0cd4708a85ec1990971fe71
encoding: FLOAT32
metadata:
{"chroma:document": "Complete garbage company. M&T Loss Draft department received my insurance check at my cost to mail for endorsement then supposedly endorsed and mailed back with Zero tracking and it got lost in the mail. Now I have to get another check and do it all over again to fix the damage to my home. Such a cluster of inefficient ignorance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34c111b2affd4859af07c6c7aaf0dd5e
encoding: FLOAT32
metadata:
{"chroma:document": "On December 18, 2021, I had made 2 calls, which had resulted in two extensive holds of 1 hour & 54 min. total, w/ being able to talk with anyone from online banking. I had given up twice. It appeared that I had received a text from M & T stating that my online account had been suspended, due to suspicious activity. I had needed to see if the text was legit, etc., but had been unable to get through to them within a reasonable time. They waste my time, I bank elsewhere where I can feel that my money is safe.! They were not there for me when I had really needed to speak with them. There is too much competition out there for them to be treating their customers like this! They will not be given another opportunity to demonstrate their wanton disregard for their customers' time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15391a3113ca48f2a8852573865e4e76
encoding: FLOAT32
metadata:
{"chroma:document": "Steer clear of M&T for your housing needs. Worst experience ever. Started our adventure of owning our forever home in June 2021. Our loan got changed not once or twice but 3 times. Lack of communication with loan officer. When we asked questions we were ignored or treated like we were annoying. Multiple copies of the same items had to be sent over and over again. When we were led to believe we were coming to a close something would always come up and then more waiting or more like avoiding. Well today is Dec 3 2021 6 months people!! And nothing. No house. No explanation. All they simply said was I didn't have enough assets when I had enough money for closing costs and mortgage. No explanation of what was needed. I wish I had a number to go by what in their eyes is enough money. Would not recommend for anything banking nor mortgage. This was truly the most horrific experience of my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e71e1cebc5a04c6e8fb2e5182fcbf632
encoding: FLOAT32
metadata:
{"chroma:document": "Recently, I have received check for 4825. The bank placed it on hold stating it was fraudulent. Very odd. Now my account is blocked and I can not do anything about it. Today, I have received a text that I have -4572. If the check was bad I should have a zero balance. I just do not understand them. Also hold time sucks on the phone too as well. They blame everything now on covid19. I am going to close account and I will try calling them again later today."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7498a35ab100408e99a9cf5321188fd7
encoding: FLOAT32
metadata:
{"chroma:document": "When I try to pay my card online, I get a message saying that they don't have bank to bank transfers set up yet. When I call to pay it, I get cut off and told they can not go further with helping me because I didn't give the correct credit limit amount. I will end all business with this bank, too inconvenient."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cc5329b319c418b8742b07623c65d09
encoding: FLOAT32
metadata:
{"chroma:document": "I spent an hour and 10 minutes trying to speak to someone at the bank today. I paid off my loan 2 days ago and was trying to get a receipt so I could show they received my funds. They refused and stated it wasn't their policy that I should receive something in 10 business days. I repeated, \"You took my money correct.\" They replied yes. I replied, \"I'm entitled to a receipt.\" They continued to refuse to help or care in any way. On top of taking an hour to reach someone and their website rarely working correctly I would encourage you to use a bank that cares about customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af3c70b1020e4cd0b70c67fab2f6dc82
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with M&T for a little over 3 years. I\u2019ve been charged thousands of dollars in overdraft fees when at the time of the debit purchase the funds are available. I had a car payment setup for check which takes about 3-5 business days to post and at the time due to the debit transactions I was short 100 dollars which my app did not indicate. After the check posted they charged me 38.50 for every debit transactions that was made days before which made my balance lower to overdraft in the first place. I received over 10 fees in that pay period alone. I called and they offered me one. In theory from their response if the debit transactions were pending and did not post my check shouldn\u2019t have cause an overdraft. In my opinion I should have only been charged for the actual transaction that overdraft the account. I let them get away with it for years, I am currently looking into doing something legally."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3790088708924105bc5f2ed886713087
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited $3000 in cash thru the drive thru and was questioned where I got it from? I have banked with them for 20 years and have three accounts! They acted as if I was a criminal depositing money into my acct.!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7613240d29b4067a949d04c1986e650
encoding: FLOAT32
metadata:
{"chroma:document": "So I am now having to check my account every single day, and I do a screenshot because M&T have been gaslighting me, backdating transactions, and charging me exorbitant fees for years. They'll hold transactions in pending (for example, a transaction that came through today), but they will back date the charge as coming through the day before so they can overdraw your account (my direct deposit for my payroll is deposited every single Tuesday but they hold that in pending too). Then they charge $38.50 for each transaction they \"bounce\" thus bringing you further in arrears. This is shady and they have done it before. In fact, there was a class action lawsuit against them doing this before."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 774582c9c96840819df920ae242d7ddd
encoding: FLOAT32
metadata:
{"chroma:document": "Do not finance with M&T Bank for a car loan. The dealer got me financing through what they called their floor bank. I should have been taken notice of this word \"Floor Bank\" they used to describe the finance bank. It is one step off the floor. I don't even think it is that high, it's more like dirt floor. The first issue with the bank was trying to get my loan number. I called several times with vin number, SSN, address, date of birth, loan amount, but did not have the payment date. They wouldn't give me my loan number. On the 3rd call they finally gave me the number of my account so I could make payment. Now each time I called I was on hold for at least 15 min or more. Was extremely frustrated with the bank so far. I decided to pay off the loan in full."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab125af0b0474b8086c5c471da990117
encoding: FLOAT32
metadata:
{"chroma:document": "As a person who endured a life changing event. This had a negative impact on my credit. However, after opening up an M & T account. I then was able to borrow against my own money that I invested to rebuild my credit. The banking services are superior and have been great! Thanks to M & T the path to homeownership was made possible. You won\u2019t be disappointed in their products and services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8de05144f7894112965835caba19ffbe
encoding: FLOAT32
metadata:
{"chroma:document": "We had an insurance claim made and approved by our insurance company. They had to issue the check to me and M+T Bank. 6/2/2021 I sent the check as directed to their overnight address. Received a letter dated 6/10/2021 requesting a detailed work order from the shop who will do the repairs (even though I was never told initially that this was needed when sending in the check). Per Tracking, they received the WO on 7/9/2021 via mail overnight. 7/16/2021, was told they never received it (even though I have proof they did). I asked for a fax number and sent the WO and other documentation to them again. 7/23/2021 and 3 more calls I have no information on where the check is and why I haven't received it. UNACCEPTABLE! Never will I deal with M+T Bank again and once I receive the check, I will be getting a personal loan and pay M+T bank off ASAP!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d0942bd2c1748a9b9f9081d4dbdf486
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{"chroma:document": "My husband and I bought our RV and were so excited about it until we began making payments with M&T Bank, which picked up the loan through the dealer. The payment was low, $220 or so, so in an attempt to pay the loan off quicker, we decided to make $300 monthly payments, assuming the additional $80 or so dollars was going to principal only payments. But, apparently, M&T does not do that, they take more interest and push your due date further out, not apply to principal. So, after 15 months of this nonsense, I paid off the loan in the amount of about $26k."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94a987a4981244abbc33608e8834127f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had savings and checking accounts with M & T for years now. Lately, the service has gotten worse. Today it hit bottom. I have had paperless statements only for quite some time. Today I got a paper statement in the mail, and it was addressed to my spouse, who is NOT on this account, which is private. Why now? Try getting an email address to manage the issue? Forget it! Phone call to customer service- 20+ minutes wait, and I was cut off two times. Maybe the local branch manager's name to email? Cannot find the name anywhere! Online \"other ways to connect\"- nada."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79e1e93ad6e448a2a45b5c8510cb1634
encoding: FLOAT32
metadata:
{"chroma:document": "Do NOT use this company. I never write reviews but this needs to be said. I have an RV loan with this company and my monthly payment is less than $300/month.   I always pay between $300 and $500/month early.... NEVER LATE. I looked at my bill today just to check the balance and noticed that they applied my entire payment towards interest.  I called to ask why and they said because I paid my bill early the prior month and then later (AGAIN NOT LATE) the following month that the daily per diem took the extra money. WHAT!!! Was my payment late? No, but it still goes towards the daily per diem amount if you pay it early the prior month and then on time the following month.   "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 002045fcd1d342c0b638adff4ea4ac76
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up with M&T online banking for a loan for my RV and I wanted to make payments online. You can make payments on their website or by mail. All my bills were being sent to my email but I couldn't get to my online account because I received errors for weeks at a time, with no resolution. Because of these online banking issues I missed the first two payments and it affected my credit score after they reported me. I asked them to remove as a courtesy since it was the first two payments and there was issues in getting the correct payment information but they said they can't."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5dc55d904ed4433baf083045584a03f0
encoding: FLOAT32
metadata:
{"chroma:document": "After we decided to close account, we found out that doesn't provide any means by electronic transfers to other banks. And very limiting amount by Zelle. After we requested the check by secure messaging on bank web, were told, that they don't accept such request. No they accepted such request by phone, even our phone and address they have on file. Bank asked for a notarized! letter, send by US postal service, Over one month passed, after M&T Bank receive such a later, but still no check was send! Bank branch is located too far from us, and bank is open only during day hours, when we are working, too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 518090dd5e7741e8b9aed91d0ec1e33a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with this bank for 7 years and never had any problems. About 4 years ago I had an overdraft and this bank did not charge me overdraft fee because the deposit had made prior to the overdraft did not show on the statement. However, the bank fixed the problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 995a308225144d5cb86f702f485ede1a
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited $350 in the ATM machine inside M&T Bank. Received a receipt from the machine saying that the transaction was not completed due to an internal error. I called customer service. I offered to fax or email a copy of the receipt from their ATM machine to prove my claim. I was informed that a dispute will be started. I requested a credit for the amount I deposited until they process their dispute. That was declined even after talking to a manager (Zach). I requested the information needed to file a complaint. The manager asked me to contact customer service again. What? Or he will file the complaint? There should be someone to file a complaint to. How can a manager be unable to provide a customer with info about where to file a complaint in the company. Not sure how long to wait for my money to appear in my account and nobody to talk to except customer service who did not have the authority to credit my account (that what they said)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d70be281ac5643b7910748c6f7502ffa
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{"chroma:document": "Original mortgage was with Chase but got transferred/assumed by M&T. Since M&T took over we have seen 30+% increases in our mortgage payment. Every year there are escrow overages, despite having the same insurance provider. We pay the communicated \"estimated overage to avoid rate increase\" but they have been retaining the escrow overage for several months, still increasing the monthly rate and then hitting us with late fees for the difference. Calls to the customer service number result in 30-90 minute waits with no resolution and the customer service representatives seem unable to access current information and/or resolve issues."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d04b4822cf1844fd9e2e3a1b8da3bc3e
encoding: FLOAT32
metadata:
{"chroma:document": "My house loan was with Chase. Never had any issues. Chase sold my loan to M&T Bank. Horrible from the get go. I get bills 2 months away. My checks don't get processed. They simply do not have it together. Next to impossible to get any answers and their website is weak. I would not chose to do any banking with M&T."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3ca9618f9d742a5a9a137662582464e
encoding: FLOAT32
metadata:
{"chroma:document": "Beware! M&T Bank touts \"Automated Phone Service,\" but when I called in I had to give my full bank account no. to a rude stranger or risk being late. M&T is in Baltimore, so \"no\" postal service \"due to covid,\" I was told, which means my snail mail check payment was late, and w/out notice M&T sent to credit reporting agencies, thus damaging my 822 score by 100 pts. I'd never use them again. Suggest due diligence before borrowing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8826e971415648188eba558d7df5d74e
encoding: FLOAT32
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{"chroma:document": "We had our Mortgage with Wells Fargo and enjoyed visiting Branches to make payments and ask questions. Then Wells Fargo sold Mortgages to M&T Bank who has no branch in our city. Whenever we call we are sent to different departments and after a half hour we are still without an answer. On January 1st of 2021 we mailed checks to three places. Two were cashed normally. M&T waited Until the end of January and then assessed a late charge. I made a online payment of the January payment and the next day I did the same for the February Payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3af64a3e3daf4d39b24e33965ddc1568
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{"chroma:document": "Attempted to do a refinance with my current mortgage company M&T Bank to streamline the process. I had a great start so I thought with the refinance guy chris whom disclosed most of the fees and made it all sound good. Chris called me back and offered me an appraisal waiver, lower interest than initial discussion as a voicemail I still have and advised I only would have to pull out of pocket 55 dollars to fully refinance my house. I never asked for anything special this was just offered to me and I was ecstatic. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a43ef12bc874b00bc4246ca97db64e0
encoding: FLOAT32
metadata:
{"chroma:document": "The M&T website is outdated and even the simpliest things, like setting up automatic payments, are difficult. When my bank had trouble with a missing check sent to M&T, my bank couldn't even reach anyone on the phone. I did get a customer service person once, but when I asked questions about how interest was being figured, she seemed confused and couldn't really help much. When I requested a pay-off statement for my loan I was told it would be faxed in 24-36 hours... And it still hasn't come. My advice to anyone is to avoid this bank. There are much better options out there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a2e517aade948f7ade0b9d866548442
encoding: FLOAT32
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{"chroma:document": "Have had a truck loan for 4 years and never missed a payment. My real bank (Citizens) automatically send a check 14th of every month. December check did not get cashed until January 13th and January check cashed the 15th so I know they go out. Of course they charged me a $12 late fee, but did not let me know about it other than posting to my account. Have been trying for 2 weeks to get ahold of anyone there. Phone lines busy, online chat not available, so emailed. Finally got a reply that basically said they are understaffed and too bad. WORST BANK EVER."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73030cd4402d47798bb8bb2524f475c2
encoding: FLOAT32
metadata:
{"chroma:document": "Our loan was bought by M&T Bank after Wells Fargo approved our remodification. From day one we had our payment set to auto-draft from our checking account prior to the due date, yet each month would receive a statement saying we still owed over $1600. Each month we would call and were told it was an error, to pay the regular payment amount, and to disregard the erroneous balance due. I NEVER made a late payment with this company. Not one single time. Setting up our online account took months, and setting up auto draft took months. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a60a66563ed4d2f985ae9f93e6c66e3
encoding: FLOAT32
metadata:
{"chroma:document": "They keep posted funds from the state unemployment insurance when it has been released. They also kept me on hold for 10 minutes to get an appointment to open a business account and ended up having to call me back. They never called back. Overall experience with this bank has been terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19179387cc634a2e8afa7d7320fbcbe7
encoding: FLOAT32
metadata:
{"chroma:document": "On 1/5/2021 I called because of charges that didn't make on my account, one she didnt flag all transactions and the order operations to help got messed up. She advised me to cancel my card and then transfer the money in another account I had at another bank using Zelle. Once I did that it wouldn't work because the amount needed approval, I got a supervisor name Tammy and she approved it and told me wait 20 mins. Didn't work! I have spoke to A Robert, Andy and Michael. I can't even log into my account to do a transfer of funds and I have bills coming up and I was told this is a tech issue and it SHOULD be taken care of by the end of this week. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7015705637d04de09fc455f5c0c84b21
encoding: FLOAT32
metadata:
{"chroma:document": "The worst customer service ever. IVR does not work. After waiting for 20 minutes, system hangs up and states, cannot take call due to heavy call volume. Goodbye. First day I waited 25 minutes, finally got someone who stated they would fax document to title company. Told me to call back later in afternoon to check. I called no fewer than 10 times and continued to get hung up on by the IVR. Next day, after trying 6 times on IVR was finally placed another 20 minute hold and then \"cannot take call due to heavy call volume\"... click.... This is not acceptable for a bank as large as M&T. Hire more people if necessary and by all means, fix the IVR or hire another vendor to perform this service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 087bf8f940b0498396673ef45bccfecf
encoding: FLOAT32
metadata:
{"chroma:document": "We have been customers of M&T mortgage for many years since our old company sold our mortgage to them. Tried to refinance simply to get a lower interest rate back in August of 2020. Had the same experience as others. We were strung along for many months, had all of our paperwork in. My husband and I emailed and called regularly, heard the agent that sold us the loan no longer worked there. Finally after many months of no response we were notified that our loan was denied for no apparent reason. It is 3 days before Christmas so now we have to keep paying them with our higher rate for at least another few months while we go through this whole process with another company. They are irresponsible, unreliable, and are not forthcoming with customers. I won\u2019t be surprised if they are in over their heads and out of business in a few years. Can\u2019t stress enough how bad the service is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1b65228b1ac409aa0b8ec7b13127426
encoding: FLOAT32
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{"chroma:document": "There was a good time to refinance our home. I, like many others understand the \u201cCOVID\u201d back-log of things. I get it. However, one can assume a typical refinance is between 2-4 months? Right? We began ours IN March. Sent everything they needed the last day of March-that Friday. Patience is a virtue. After some time waiting we got the \u201cCOVID reason\u201d. Okay waited some more.. Still the \u201cCOVID\u201d. Gave it some more time. Couldn\u2019t get a hold of anyone through email nor phone for 2 weeks from there. Finally talked to someone to come to find out our agent doesn\u2019t work there any longer. OK New Agent. Needs all the paperwork again. Really? Some more time waiting.. Granted at this point we\u2019re about 4 months into this. Waiting. Waiting. Waiting. Try to reach out and wouldn\u2019t you know. THAT person has moved on. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d2635be569d4deda2cb07a0db594d99
encoding: FLOAT32
metadata:
{"chroma:document": "RE: credit card. I have an M&T Credit card, just got it thinking it would be easier to use my credit card for online purchases instead of my debit card. It's not a bad credit card actually, pretty decent rate compared other cards with high rates. It's just difficult to reach customer service if you have a dispute. You are on hold a very long time before anyone actually picks up. Same way with the banking side. With my other cards if I have any issues, someone picks up pretty quickly. Also important to note that if you do have a dispute, like I did with a company that never sent a product, but charged my account- M&T's policy is up to 60 days before you will see the charge reversed, which I think is a bit ridiculous as my other card has resolved any disputes within a much shorter time. All in all M&T is not on the top of my list for banks to deal with if you are someone use to better service and quicker response times."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fa1b34eeed645b9987d1f7c54ab4ca4
encoding: FLOAT32
metadata:
{"chroma:document": "We had our 30 year mortgage for 10 years when Hurricanes Laura AND Delta hit us. After tarping our entire roof in 1000 degree heat & living off generators for a month to run the AC inside to minimize Sheetrock damage & then putting 12K on a credit card to pay for a roof just so it would stop raining in our house...this lender STILL refused to release any of the insurance funds for repairs. They wouldn't even reimburse us the roof. Said they would only release funds once 100% of repairs were completed. How exactly do they expect people to afford repairs from 2 BACK TO BACK hurricanes when they are holding every penny of the money insurance paid out that was meant to make those repairs?!?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45c3bd56f88d43dd88bd3bf242593e08
encoding: FLOAT32
metadata:
{"chroma:document": "Loan 9/26/2020 through Camping World where we told we could not pay this off for 7 months even though the contract said we could. Borrowed 23,767,95 at 6.74% interest (which is robbery) but we agreed on it because we were gonna pay this off quickly. No account number was available after 2 calls to M & T. in week 1 and week 2. Finally in week 3 a man at M & T Bank (didn't get his name) gives me an account # and P. O. Box to mail payment. I mailed this payment of $17,000 to this P. O. Box in Baltimore 10/17/2020. Around 10/22 or 10/23 I received a Loan statement with 1st Payment due 10/26/2020. I checked my bank account and the $17,000 never cleared the bank. 10/26/2020 it still hadn't cleared so I called M & T Bank around 10AM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb7d34fd7547453eba458a2f9b741ff6
encoding: FLOAT32
metadata:
{"chroma:document": "Note from insurance dept. Deductible of homeowner policy not to exceed maximum of 5% of policy coverage. Present deductible is 4%. Customer service not able to clarify. Verbal contact with insurance dept next to impossible within a reasonable amount of time. Questionable ethical considerations here."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9377fa02a031461f89ba33ac3729962d
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked here for 25 years but suddenly every time I use Zelle I get blocked and receive a dumb email about suspicious activity. Yesterday they blocked me from ordering online think! I have called them multiple times and they always override it but now say they can't. I think M&T continuously blocking my zelle contractions while simultaneously encouraging its use and then refusing to override the security block is suspicious activity. I work two full time jobs and I resent M&T holding my money hostage and am taking my business elsewhere and will be closing all my accounts with M&T very soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 728a5f7e3e6743188b922d3ce6b43c73
encoding: FLOAT32
metadata:
{"chroma:document": "Generally I am satisfied other than not processing my direct retirement deposit immediately. Other deductions taken from this payment with other institutions are done immediately. This is a Federal payment which should not have any \"hold\" on it. If the established deposit date is a weekend or holiday The deposit is not shown until the next business day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50a0c06e589e4850ab0b8a0440d0faad
encoding: FLOAT32
metadata:
{"chroma:document": "Well first of all, they never communicated with me at all on initial loan. I had to call them to find out how and when my invoices would come to me. When I called them they were rude and very cold. Also could not give me a straight answer. The loan it self is confusing. I have had numerous home, auto, boat, jet ski and travel trailer loans and I have never seen this one set up the way it is. There is no consistency at all on how the interest and principal is charged. Now this being my second travel trailer, my other creditor that was used, charged the same interest monthly and as the principal went down so did the interest slightly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e420ed848b94a67bd90c618e09e6e23
encoding: FLOAT32
metadata:
{"chroma:document": "They screwed up and said payment was not there so we stopped payment on check and made another one. 1:36 am the check clears and they are now holding the extra payment hostage knowing I need meds and groceries. They are lying pieces of work. They now are going to make me wait another week to get funds because they are sending check by mail instead of putting it in my account. They know I need that for my medicine and groceries. Been a week without medication and now no groceries. I have never been late 9n payment in 5 yrs and they act like I am a thief. They are heartless, lying people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc7b1bfd247746dc9180535bdf600d4b
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my RV ($205,000) loan, and check was cashed three weeks ago. I still haven't received my title yet. Have called various numbers and customer service, always on wait for 15-30 minutes and can get no answers from anyone as to the status of my title. Very poor customer service. They sure jump on you though if your payment arrives a day late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47f58b287afa466b8a8afe951cbdc6ce
encoding: FLOAT32
metadata:
{"chroma:document": "This is not a bank, it's a time machine that sends you back to the 19th century. You cannot do anything online, you cannot even PAY your credit card if you don't have a checking account with them, you have to mail a check, and this is 2020, \"digital age\", not for them apparently! Then, try to look up your statements online, again, no luck, you have to \"request them\" if they are 3 months, really, only 90 day record shown online, for others they have to fire up the printers and mail papers to you. Also, customer service folks are instructed to give absolutely nothing back, even after you request pandemic HELP, that they openly advertise, but if you ask about it, they tell you to go in DEFAULT and then, they will \"see\" what they can do to \"help\" you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c7750e02c6c4651a76dda02d02aa3d4
encoding: FLOAT32
metadata:
{"chroma:document": "I went through the outside teller lane, as required, to deposit $3,000. Was provided a receipt for $2,100. Disputed this and was told throughout the day that all the records were correct and that there was no evidence of the \u201cextra\u201d $900. My husband and I were complaining while in the care waiting twenty minutes for a teller and firmly believe he heard us. We believe there is \u201cno evidence\u201d because the money never made it through to be counted and disappeared in a matter of three minutes after sending it through to the teller. Situation remains unresolved. Reaching out to the regional manager and also visited the local police. Will keep on this until it is resolved and will close my account immediately following. Be very, very careful! With Covid-19 you cannot be in front of the teller when your money is counted and you may be taken advantage of."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 423a907bf95c4a4bb75cc5921092362a
encoding: FLOAT32
metadata:
{"chroma:document": "It is now the 18th of June, 2020 and the branch I frequent is still not permitting customers in the lobby! The drive-through lines are RIDICULOUS! And closing the branch at 3:00 on a Friday in recognition of Juneteenth\u2014how is that going to change people\u2019s beliefs and values? So weary of various institutions making decisions based on their beliefs and agendas impacting my life and my business. This is not good customer service to those who have been long time customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ee0247a4c7b403a872be8da2c9b9c34
encoding: FLOAT32
metadata:
{"chroma:document": "In the current environment I have to make an appointment to enter the branch, that's fine. I made an appointment for 1pm on a Friday. I arrived on time and there was already someone in the branch. I told security I had an appointment. An employee came to the door and spoke to me through the glass, which I couldn't hear. Since we were both wearing masks this seemed unnecessary and inconsiderate. Once she opened the door she explained that only one person at a time could be in the branch. I asked if I could sit on a chair in the waiting area, which was at least 10 ft away from any office or the teller line, and was told no. So instead, I waited past my appointment time, in the vestibule, less than 3 feet from customers who came in to use the ATM. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9045429bc494cb180a60a89a4134414
encoding: FLOAT32
metadata:
{"chroma:document": "I pay extra every month and they will not put it toward the principal as promised. The interest keeps going up. I called and they wouldn't give me the payoff amount. I am currently trying to reach officers with more authority."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41b232a900a646458c3c7b78e5d7582f
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{"chroma:document": "Ok so a little back story, I started a construction corporation with my husband and made him 70% owner for minority business purposes. Anyway I handled all the business financials. I got along great with the people in the branch near our business. So great that I thought they understood my unique situation. Not so. One day I took the kids and fled for my life and am now in a state that has no M&T Bank and no crazy man. My ex was somehow able to remove me from financial point of contact on the business accounts and changed the passwords to log on. In other words restricted my access. The bank never asked me if this was ok! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb347007cbd046729d7c69f14b73b2c9
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metadata:
{"chroma:document": "I fell behind one payment in January (mail fraud). Agreed to make payments to catch up. Have been paying extra doing so for 3 months. During Covid, today I attempted to make my monthly payment with extra like I always do. The rep told me today, \"I cannot take your partial payments, you need to pay in full or I can't take it all.\" I said to her, \"Miss, you mean that I cannot pay my Mortgage because you cannot take extra, I have been doing this for 3 months.\" She said that is correct. So now my mortgage is late, my past due is late, they repeatedly charge late fees and Overage fees for a known M&T mail fraud scandal that was noted on my account. I just went on the website and paid my monthly mortgage, there is no option for partial payments, now I am going to the bank to have them place my monthly overage in the balance. This has been the worst experience of my life to pay someone, all while dealing with the stress of Covid-19."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc22040cb9b04bd5b722f35eabc1625f
encoding: FLOAT32
metadata:
{"chroma:document": "M&T helped me refinance when Bank of America was involved in fraudulent behavior. I became ill and needed to refinance. BOA continued to lose my paperwork and eventually sold my loan to M&T. I was as able to refinance upon my first submission of the paperwork."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a19b4d44099f4ce09b0c458ad6abecce
encoding: FLOAT32
metadata:
{"chroma:document": "Easy process. Always someone knowledgeable to talk to. When I wanted to draft my full payment in half they made it very easy. Overall easy to do mortgage business with them. I also had to do a loan modification with them and they made that super easy as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93703f0b4f6d4572a8ba2f258832cc7c
encoding: FLOAT32
metadata:
{"chroma:document": "I had taken my son to a doctor's appointment and when I went to make the co-payment for the visit, my card was declined. I used another card, but I knew I should have enough in my account to cover a $25.00 co-pay. I checked my account online and my balance was minus $1,309.00. That's NEGATIVE $1,309.00. I made 2 mortgage payments on Friday 02/21/20, and those idiots charged me for FOUR PAYMENTS!!! I'm still livid even though I've asked my bank to stop payment on these transactions.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91b231de1b324fcabf09871dd19f1eee
encoding: FLOAT32
metadata:
{"chroma:document": "On January 7, 2020 afternoon I arrived at M&T Bank to cash a check from my employer. I waited in line patiently to be soon be called on. The service associate informs me that she can assist me. I inform her that I would like to cash my check and provided her my identification card and check. The service associates take my check and begin processing it (at least I thought). I noticed that the service associate was very quiet, not communicating and flicking through her computer screen as if she was trying to find something."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dae5d9d084f84fe095d3b8bd65485baa
encoding: FLOAT32
metadata:
{"chroma:document": "The detailed complaint has been published with the Better Business Bureau. In general, they mishandled an invoice from my insurance company and then purchased lender placed insurance on my behalf without informing me. They claimed they didn't receive an invoice even though I showed them a letter from my insurance company correctly addressed with roughly 70 other customers who had their portion of the invoice taken care of. They then claimed they sent me notification by mail that I was going to lapse in coverage, which I never received. So basically, them \"proving\" they sent a letter by showing you a copy of a printout suffices when they need it to, but you showing them a printout of a letter addressed to them is not good enough when it doesn't benefit them. They charged me and went about their day after me trying to resolve the issue through multiple avenues. Avoid them as best as you possibly can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 178335686176426497bf64c405e3663d
encoding: FLOAT32
metadata:
{"chroma:document": "Stay AWAY from this bank!!!! The worst experience in refinancing. 3 months, rate went up from 3.5% to 4%. Closing cost doubled!!!!  All this with credit score over 820. Refinancing current loan with the same bank. Run away!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58e16c1b7170476aa0232ed0011e13aa
encoding: FLOAT32
metadata:
{"chroma:document": "James ** that heads the retention department and Cathy ** who heads asset department have placed a repossession on my credit. They picked up my car without my consent when all the payments are current and I have never missed a single payment. Account is still current and I can never get anyone to respond to my call. Also they refuse to give me their emails and never give me the bank statements. This is the worst experience I have ever had in my entire life. Currently am still looking to see who in the bank to report this customer abuse but I cannot reach anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5e6b7d4be98a4ed0b3fbe7fefe618e04
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely the worst bank we ever had to deal with. Too much to write in a few sentences but everything from their billing practices, payments and even customer service. Would never EVER use them again. Switching our car loan as we speak."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec878390d878486c908549c3a0df60ee
encoding: FLOAT32
metadata:
{"chroma:document": "We had someone use my husband's bank card to order items from various companies. We contacted the bank when the charges were still pending to report they were fraudulent. This was a Sunday. On Monday my husband contacted the companies and three of them were able to contact their delivery company and recall the packages. The fourth never processed the order because something about it set off their fraud alert. This totaled over $900. The company that did not process the order did not charge our account. The other three companies have confirmed they have spoken to M&T and verified they have their items. None of these charges went beyond pending. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ddf0356a315454d9b4a6a563caf341a
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank ever. The mortgage modification process has been incredibly frustrating and abusive. Nobody should have to go through what I went through and they still don't have it right. These little creeps sit in their offices collecting their paychecks and drive people crazy with unprecedented levels of incompetence. Excessive hold times, transfer after transfer, lack of organization, nothing ever confirmed in writing, changes to the amounts due, additions to the principal, escrow amounts unclear, asking for the same paperwork repeatedly. A total nightmare. Moreover, when I filed the paperwork they denied me within one week. When I retained an attorney, she submitted the same papers and they approved the loan. I have just filed a complaint with the Banking Department."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 713d123b30584118b5f630f9e63bbc36
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with M&T bank since 2000. Recently, M&T Bank has required disclosure of detailed personal information from its customers. The reps from the bank tell customers that it's a requirement under Federal Law to disclose this information to the bank. If the customer does not provide this detailed disclosure of personal information, the bank UNILATERALLY freezes the customer's funds and assets."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f65c1f27b1440d9b261b9b581117da4
encoding: FLOAT32
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{"chroma:document": "I am aware that mortgage companies have protocols they  follow, but I believe common sense should trump protocols in certain cases. My home is in pre foreclosure (I lost my job and got 4 months behind). I finally decided to sell the home when I could not come up with the 12,000+ to get caught up on payments, as I have/had a substantial amount of equity in the home (80k). M&T Bank will not even consider postponing the foreclosure auction date by one week, even though I have received an above market value offer on my home through a real estate agent. Because of \u201dprotocols\u201d, M&T will now lose money (auction vs. full loan payoff), my family of 5 will lose all the equity we have in the home, and I will have a foreclosure on my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 295675572a4d42f69b67f2df945ae9be
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my account online October 22, 2019. Today is Nov 26, 2019. As of today, my account has been open for 1month and 4 days. Prior to opening my account online I was asked to deposit $25 at the branch or transfer it from my other account which is with another bank. Since then I have transferred all of my money from that bank account that I used to bank with to M&T. In addition to closing out my other account M&T has caused me so much financial problems, cause my credit score to drop because of negligence from the security department. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30ffb1cac43046cfb372d67aaa749bc0
encoding: FLOAT32
metadata:
{"chroma:document": "I decided to finally open an account at M&T due to a branch being close to my home and me always visiting the branch to cash my employment checks. I received my banking card around last month and ever since I received it I have had issues with the card due to the chip not working and most stores not having the tap to pay system. Most recently every time I used my card it would be reported as a suspicious activity. I made a recent deposit and went back to get cash out and my payment was declined. I tried to cash app my daughter who is in college and again declined. Money was in my account but it was again reported as suspicious. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e152aa8f661b44a7b0347d4ee865ae9d
encoding: FLOAT32
metadata:
{"chroma:document": "My commercial loan was up for a renewal. Chris from M and T did the loan. After the closing costs of $2,483.50 Chris said the payment would be $2,612.29 debited from our checking account each month. Mind you this is a 5 year renewal and would be the end of the loan after that period. I received my 1st statement and the amount to be debited was $3,830.36 so I called him and questioned it. He replied, \"Oh that's not right. Let me check into it.\" Then he was out on leave and never got back to me, so I called the manager of the Cherry Hill N.J. branch Frank and he said he will look into it. Finds out Chris never spoke or disclosed to us that the taxes and insurance had to be added to that. Well $1,200.00 is a big chunk of money not to disclose to us."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 291d95cbbf1d4f698e0316c3a4633299
encoding: FLOAT32
metadata:
{"chroma:document": "I am a person that lives paycheck to paycheck. M&T is allowing funds to come out of my account when I asked them not to. In addition charging a $38+ Insufficient fund fee for money I specifically told them not to take out. It doesn\u2019t take a college graduate to figure out that if it isn\u2019t there then there is no money to pay out. Them doing this is going to cause a chain reaction of other problem. This is theft in my eyes. Way to think about the consumers M&T NOT!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee6653cc050b4dfe828cf23106b1845f
encoding: FLOAT32
metadata:
{"chroma:document": "M&T has provided me with an option to apply for a loan modification which I did & continuously followed up. I call them all the time to get a status & make sure they have all they need because they told me they will be in touch with me at least every other day & have not. I have now been told 8 different stories & there is no consistency. In addition they took my own money sitting in a suspense account & that was an overpayment and my money to be used toward a payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 355986935a884e40b5b45ba9edad4f8e
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service department is horrible and the thief defense department is worse. Nobody is up on their job. It took 2 to 3 days for them to make me aware of suspicious transactions on my card and if I didn't call them call I would not of known. There is no consistency in the work effort of this company and I will never bank with them again. I closed my account after 2 months."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2916a41b9294b388aa4169cff2eed29
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a mortgage modification and submitted all the correct paperwork. I was denied in less than a week. I retained an attorney who submitted the same paperwork and I was approved. Payments were determined and I have paid according to schedule. There is a three month trial period and every month I get a threatening letter that I am overdue. They also were supposed to pay my homeowner's insurance and did not. I've spent the equivalent of months on the phone straightening out their SNAFUS. Their answer is the letters are \"computer generated.\" What do I do when the computer generates a foreclosure letter? This bank is horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca87660404d742f490176d790c429515
encoding: FLOAT32
metadata:
{"chroma:document": "M&T bank lost $ 53,000 when they wired my money to another bank for a loan payoff. After calling many times to correct this issue they refused to even look at the matter. Thinking the loan was paid I stopped making the payments only to find out three mos later it wasn\u2019t in which destroyed my credit rating. Beware! Corruption is their game."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03d26f4c94d5427a8991ce82ff5d4138
encoding: FLOAT32
metadata:
{"chroma:document": "My loan was transferred months ago to M&T bank by Wells Fargo. M&T bank only has east coast hours and east coast locations. I have been trying to work with them and they are impossible. I pay on time every month and they claim it late every month. I have proof from my bank yet M&T refuses to acknowledge my payments are made on time. I have seen numerous complaints with this exact same scenario. This is how they operate. Wells Fargo was wrong for transferring any loans to them. Neither party will admit they were wrong and the customers are the ones paying for it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bf27e099a3f4c3b85c42f820468ca7d
encoding: FLOAT32
metadata:
{"chroma:document": "I have a acct with M&T Bank. I wrote a personal check to someone and Even tho I have a acct they charged the person 20% that doesn't have a acct but my check is thru them. Then they told the person they had to come inside to cash the check even when they provided her ID So the person had to drive out the drive thru park go into the branch Just for them to hand her her $. Now I don't know about anybody else but M&T Bank is making $ off of people that has a acct there if they write personal checks. I have a acct in Cambridge MD and I'm very disappointed And I wonder if other M&T customers know about this. If they don't they will now..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62edeecd4ff243fa88a76b31f1920211
encoding: FLOAT32
metadata:
{"chroma:document": "Pls do not bother yourself to accept M&T's pre-approval 0% $150 cash bonus credit card offer. M&T's credit card online platform is the worst outdated n inconvenient site I've ever seen:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 719d18cef608495a8c9c85ce5e6880f1
encoding: FLOAT32
metadata:
{"chroma:document": "We tried to move our IRA to another bank and they had us fill out a form, notarize and mail it in in their self addressed envelope. They then claim that they did not receive it and rolled over the account into another year at 0% interest. We have called several times and spoken with rude agents who insist it was not received. They did it intentionally to keep the money and not allow us to move it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c148fda3eb24651b8206a039507bd65
encoding: FLOAT32
metadata:
{"chroma:document": "I called to speak with a refinance agent on Friday. I was told I would receive a call in 1 business day. Unfortunately it was 2. After speaking with Karen this morning, she was going to call back at 4pm after I had all my paperwork. She failed to call. I have an interest rate of 8.375%. Nice to see they care about veterans way less than a civilian."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95b28d8390974d2daa9716104e268a35
encoding: FLOAT32
metadata:
{"chroma:document": "I have tried to open an account for the first time with them and have direct deposited 4 checks into the account. Now when I try to use it they are demanding documents and claiming I have not sent to them after having their own bank managers fax it to them. It has been a disorganized untruthful mess from the get go and based on my experience so far I highly doubt they are going voluntarily compensate for fees I will accumulate based on their lack of diligence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78258f72fc9243e6a7d01093ed07b9a6
encoding: FLOAT32
metadata:
{"chroma:document": "I contact the number 18007246224 to ask question about my mortgage that was transferred from Wells Fargo to M&T Bank. The guys did not let me talk and hang up on me. I kept on calling and he wouldn't answer my calls... This is so upsetting. How can I have my mortgage with a bank that does not care about their customers concerns!!!! If I could give -10 Stars I Would. Oh Wait I just did!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d474ea92d834c12b1b36156ede2b08d
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is the worst. First their online bill pay goes down for over a month, then we call them. They want an additional $8.00 for a convenience fee to pay them over the phone. After we pay they didn\u2019t process the payment till it was past due. Thank you for being the worse bank ever and for making us look like we don\u2019t pay on time. We have never been late on a payment for anything, and you all just ruined our credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a9c07a726404fa38ec92079e26defb1
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m in the process of selling my home, and was curious as to whether the payoff would be more or less than my account balance. I called the mortgage dept. at M&T with this question. I was told that I could get my exact payoff for no charge. The rep. gave me my payoff and said she would also mail me the payoff. I told her that it wouldn\u2019t be necessary since she gave it to me over the phone, and that the sale of the house was still a month away, and I was just curious. She stated she had to mail me the payoff, as well as the verbal over the phone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64e88e07dc2e4ecdb2c8795ddd62c22c
encoding: FLOAT32
metadata:
{"chroma:document": "When I purchased my home the mortgage was through Starkey and about a year then it was sold to Wells Fargo. Wells Fargo had our mortgage for probably another year before it was sold to M&T. Never had a problem with escrow or anything else until M&T came into the picture. A month after the transfer, which I had no say in, I was getting letters saying my escrow was short by $4,000. My total escrow was less than $4,000. I let them know I would have to split up the payments but they won't accept split payments. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 508738e4117b4dd4bdbdfe53f7d6802b
encoding: FLOAT32
metadata:
{"chroma:document": "I had my mortgage with Wells Fargo. I was very satisfied with Wells Fargo service. My mortgage was sold to M&T Bank. M&T Bank sent a letter saying my hazard insurance was expired and they buy insurance for my house, which is significantly more expensive than insurance I can buy myself. They supposed to communicate with my insurance company similar with Wells Fargo was doing. They wrote a letter one day after my insurance was expired and I received the letter two weeks after they wrote the letter. I was extremely upset about their communication and how sub rate Bank and be different with Wells Fargo. I do not like this bank. Never had an issue with Wells Fargo. If you mortgage is sold to M&T Bank, please be careful about the insurance transformation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea4bdbb3442b479695d3ce81408631e3
encoding: FLOAT32
metadata:
{"chroma:document": "They said that they'd reimburse me. Then they said \"No\"!!! I am a long time customer of this bank, and to be treated this way is disgusting!!!! I lost over $600 in a scam, and the bank scammed me, too!! I should get my money back!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fca36eaa7994b4092b7dff1edf8a995
encoding: FLOAT32
metadata:
{"chroma:document": "This bank, M&T, has got to be the absolutely WORST banking experience EVER. My son has an SSI account. These people continually charge his account for a disabled person huge fees so that his account is overdrawn every month. This is ILLEGAL and dishonest to say the least. I have attempted over MONTHS, not days, to correct this issue. They don\u2019t want to. As soon as I am able I will be moving his account elsewhere. Complete and TOTAL NIGHTMARE of a company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a47a53f64d7457b9e696af3a51b6aa6
encoding: FLOAT32
metadata:
{"chroma:document": "Large bank with a home town feel. Very personable, professional and friendly. They have made recommendations for me and my accounts that I have with them. They also do excellent follow-up on any questions you have about your accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: adfe46d1ca4d48dcb8f57a58ecb5c392
encoding: FLOAT32
metadata:
{"chroma:document": "Teller was rude, she seemed very annoyed. I get that you could have a bad day but please leave your nasty attitude at the door when you come to work. I'm surprised that I kept my cool throughout the entire process."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a84324c216a499891af84c1cae1aefb
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service is very much lacking in current processes, I am in active bankruptcy and there is no option for a BI-weekly payment for me due to that, even though the mortgage is not and I stress not a part of my bankruptcy. I am treated as second rate customer not worthy of value. I have reached out to the bankruptcy department to leave numerous voicemail messages and zero callbacks from them. To set the record straight, I did not acquire my mortgage through M&T Bank but was a victim of a sell from well known Wells Fargo (Who at least did do the bi-weekly payments), with a promise that all would be seamless, well it is not. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fee34c2b94e64f3bb2502421027e58d7
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give ZERO stars I would!!! This makes no sense at all how they have an A+ with BBB. They must pay BBB for this rating. It's obvious by reading these reviews that an A++ is unachievable for this firm. This is a miserable company. Forced into a mortgage with them many years ago. Every year their representation gets worse and worse. 2019 they have hit rock bottom on customer service. M&T Bank fraudulently filed foreclosure on one of my properties after they wouldn't accept payment due to their 'systems being down'. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1df21f3be4543f48103d1d92a4fb794
encoding: FLOAT32
metadata:
{"chroma:document": "Chase sold my mortgage to M&T Bank. This bank does not have any branches west of the Appalachian Mts. So if you live in 3/4 of the rest of the country, you can only bank online. Their online banking system is misleading and only has a sparse amount of information you would find on any other banks online banking. My main problem is I have been trying to pay my mortgage for 2 month now without any luck. I even opened a checking account to put the funds into for easier payments. This has not been the case, I have made several mortgage transactions online that I received a confirmation of the payment, only to find out that the payment was not made."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bc2f300e0994ceca42f8874af8b541e
encoding: FLOAT32
metadata:
{"chroma:document": "So previous we wrote on how back dealing with these people at M&T Bank especially the Parsippany NJ branch. From day 1 we began to get so suspicious of their actions that it didn't take us long that we demanded our bank accounts closed. They have a scam that will \"blackmail you\" into and is that you'll get hit with a fee if you close your account within 6 months of opening it. Never heard this from any bank around so that's one reason why you should steer clear of them. Did not give them any information regarding email addresses then all of the sudden about 5 weeks after opening my account, I start to see fake emails from M&T Bank saying my account was hacked and I was to click a link to validate my information. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 171c7a3905b44e2696347483c08846f6
encoding: FLOAT32
metadata:
{"chroma:document": "So I first opened my bank account 4 months ago. Within the first week I was flagged for fraud. I purchased movie tickets then tried to use the vending machine to get Skittles. It declined it for fraud. About a week or 2 later declined again for fraud to pay my cell bill. After having conversation about how annoying this was she assured me it was for my protection so I calmed down a bit. Everything was fine for a month then we had a charge go through of 1800 dollars that was not ours. So you decline charges because they look suspicious but when a real charge comes through that is not mine you let it go through. Wtf. I\u2019m switching back to my old bank. Clearly this bank can\u2019t be trusted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 539e1f3b076e4cb9ada196f825924bb1
encoding: FLOAT32
metadata:
{"chroma:document": "Unable to log in. They've been \"experiencing difficulties\" for at least a week. I assume this is something about my personal account because no bank on earth remains offline for an entire week, so this message is complete bs. I have banked with at least 20 banks in the last decade, and between the rate and the service, this one wins the plastic craptastic award hands down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 70647150ce3f4f5e953664ff0980a83d
encoding: FLOAT32
metadata:
{"chroma:document": "We recently obtained a loan for a travel trailer. No one would do a small loan, so we did a bigger one knowing would be paying a big amount. We have come to find out, you can not make a payment and have all go to principal as we do on our mortgage. Buyer beware!! If you want this option... Go to TD bank. We just put a 5000. payment on MT Bank extra... And charging interest. Will pay off with a TD bank loan - little more interest rate - but not really. Stay clear of this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb877ad94d5547229a6e3b476450b057
encoding: FLOAT32
metadata:
{"chroma:document": "I had Wells Fargo, they were great! This bank was sold my mortgage 4 or 5 months ago. Just made my mortgage and a little extra. M&T decided it would be a great idea to make another identical payment couple days later overdrafting my bank account! Best part of all they admitted this!! So their solution is for me to FAX proof my bank paid their extra payment. Fax!!! Who faxes today? Do they still make fax machines? I digress. Never mind overdraft bank charges! Oh, I'll have to wait 10 business days. This bank is so small and 1980's. Beware!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de02507ca796459eabdd9fab4c0a521a
encoding: FLOAT32
metadata:
{"chroma:document": "Wells Fargo why did you betray me by selling my mortgage to this sub rate company? Absolute nightmare. Where do I begin? They sent a letter saying my mortgage payment would be debited June 17th. Well of course it was deducted June 10th before date. In the meantime I advised them to postpone the payment, I would make it directly. None of this happened. They debited my account twice overdraft fees the hole nine. The last gentleman out of ten reps of course told me to fax in information from the bank. Well of course the bank has to mail a letter which takes 5-7 days. Trying to keep my mortgage in good standing and calling every other day is noise in my day. I hate this bank. Never had issue with Wells Fargo in almost a decade. I must get away from these idiots!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff3bcee302e64335846459da72f70524
encoding: FLOAT32
metadata:
{"chroma:document": "Today will mark the 4th month reaching out to this company. I finished paying off my car in Feb. 2019. I had my information changed a year prior due to a repossession and did not want to go through that mess again, if it were to occur again. They stated the info was never changed and the title was sent to the wrong address. So now I have to wait for a lien release so I can get my Title. Under the state of Florida the title will come out to 86.00. That is not something I have on hand. It's been four months and not even a lien release has been mailed. I would not recommend this company to anyone with the trouble I've had with them. I have no proof the car is mine now. I am due to move soon and I would like to have this resolved before then."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a28c92de382d43e6ac2b1dc63f1ee495
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{"chroma:document": "Racism! I'm not an M&T Member but receive a check issued by M&T each month. I'm having surgery a day from now. Decided to cash the M&T check instead of waiting 3 days for it to clear my bank so my family would have the resources. Sadly, the ** Bank Teller was very rude and nasty to me for no reason whatsoever. Questioning my bank of choice. She treated me unfair, disrespectful and very unkindly because I wasn't a member of the M&T team. She took my Driver License and then said, \"Non members pay a $20 check cashing fee.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba25f62a6e7a4c22a0a3ee6cb9c3b663
encoding: FLOAT32
metadata:
{"chroma:document": "Ever since my loan was sold to this company I have had nothing but headaches. I am now in the process of selling my home and have been trying for over a week to obtain a copy of my Payoff Statement for the closing, to no avail. They continue to say they are faxing it, that it will take 24 hours (????) and it never comes. The function on their website that is supposedly in place to allow you to request a payoff statement online has been disabled/dysfunctional for over two weeks. They do not respond to any online messages I have submitted. I am at my limit with this unprofessional, borderline fraudulent company. Avoid doing business with them at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a2b06141648645518d74106b9ed19a7d
encoding: FLOAT32
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{"chroma:document": "We just opened an account with M&T about 8 weeks ago. Hubs gets his paycheck because they don't offer dd. He stops by the bank every Wednesday, cashes the paycheck which is drawn from M&T,  keeps a bit of cash, deposits the rest. The deposited money is ALWAYS available right away. Well, this Wednesday, when it was crucial we get our money, the teller gave my husband cash, but deposited the remaining $900 as a check! We don't know how she accomplished that when she gave him cash. The check was $969, she gave us $69 cash, and STILL deposited the $900 as a check. Ugh. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5aedb6cceb24c4d8284c5f8a0743e29
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{"chroma:document": "My mortgage is with M&T. I had a water leak which required a huge repair. After filing a claim the insurance company sent a check with M&T and my name on it. However, the insurance company refuses to release the funds to get started on the repairs after sending in all the required documentation. I don\u2019t recommend using this bank at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6f6180d706446608ac7e97c8e94a3b2
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{"chroma:document": "Opened business checking at the end of last December. Was an $300 bonus offer - $5,000 daily balance for 4 month. Location was not convenient, so didn't have time to use it. A few times past by that branch - 0 customers every time. No transactions, no checks, etc. Just kept $5,000 for 4.5 months. Met all bonus requirements. Bank deposited $300 bonus in mid April. Needed money and came to a branch to close account. Was charged $110 just to close an account - 4 different fees. Hope some other bank will buy them, otherwise they go out of business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7a41e48aa0d4418933249afa85f1b15
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{"chroma:document": "The first problem I had was my card not working anywhere I went, it had to be scanned multiple times. A fresh card that doesn't work, shows how much they spend on their cards. Also don't ever deposit a check into M&T Bank. I deposited $800 and it has been on hold for over 2 weeks and they say they can't do anything about it. I will definitely be leaving M&T and be going back to ESL because it has been nothing but problems with M&T from the start."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11ede120e25c4289be3b515f2e596993
encoding: FLOAT32
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{"chroma:document": "Dont know why we ever decided to open an account with these people. In through one ear and out the other should be their new slogan. The most moronic people you ever meet! You tell them to do one thing and they do the exact opposite. Opened 2 bank accounts and they totally screwed up the paperwork. Gave them an address and specifically told them dont send any mail there. 1 week later, getting tons of junk mail to an address I never did before dealing with these morons at M&T Bank. Gave them a PO Box address and told them specifically to send everything there. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8d6ee2bf66d41d4a990f737c05ac130
encoding: FLOAT32
metadata:
{"chroma:document": "Not sure why my bank sold my mortgage to them. I was never late and have been with them for 7 years. No issues at all. Then BOOM... I get a letter with the info 2 days before mortgage was due. Good thing I waited to pay this time... M&T will not let me make payments online. Been trying for DAYS. So I call only to find out if I make payment by phone there is a 15 fee. Really?? I wish I could refinance with a bank that has a better reputation and LOCAL. I can't even walk in and pay. They are non-existent. My one hope is they go bankrupt and my loan is paid off. :p I will try again Monday. But if this keeps on I will be late. Maybe that is what they want us to do? Good luck to any of you that have them. Not a good business at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22fc26f834004963b59d6d6e86d20937
encoding: FLOAT32
metadata:
{"chroma:document": "M&T Bank bought my mortgage from Wells Fargo. Never did anyone notify me beforehand. They received 2 payments for April; 2019. I have fought this for 32 days. Just when I thought it was settled and went to make my may payment they state they never got any payment. They received 2 April payments for a total of 2855.86 from my Wells Fargo account. It went to M&T Bank and showed they received it. James and another James and Wanda and Michele and other supervisors told me the second duplicate payment was held in suspense. They just stole 2855.86 and never did they even call me one time. They only sent a letter talking about basic mortgage stuff when they said they would credit back the duplicate payment. Beware beware beware M&T Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edae54e477e549d095d7c91e060e0740
encoding: FLOAT32
metadata:
{"chroma:document": "I have spent nearly 2 weeks dealing with M&T Bank for my Mortgage transfer. No link they provide shows up for me when I type what I am told to (but does for them) and they are unable to complete the enrollment over the phone which is forcing me to have them mail me the form. I was also able to call them 3 times and still not receive a call back from the first individual who called me and had left a message for days prior. Not a happy start."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3429865a1cf434aa2ad877651852c81
encoding: FLOAT32
metadata:
{"chroma:document": "I wrote a complaint about M&T credit rates and they gave out all of my personal information to someone. Now they want me to monitor my credit, why, you should do this and pay fines and losses! POOR CUSTOMER SERVICE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b7124343f414b06b5af0532940f410e
encoding: FLOAT32
metadata:
{"chroma:document": "They are rude, fabricate info, ignore my information, and they do not report to credit bureau correctly. Take head do not bank with this bank. Apply late fees when I pay on time. They interrupt when I'm trying to talk, and they harass about payments and say they are late when they are not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 854f4daaa64646bdab1a9d05e3c70ec9
encoding: FLOAT32
metadata:
{"chroma:document": "I open up an account at M&T Bank. After having trouble with them in the password I lost my deposit and were very rude. I thought maybe after years they were changed and their attitude changed and they keep sending me solicitation so I open up an account and I had it for about 2 months and they closed my account without explanation. I went to the branch and Camp Road. Their girl was not very helpful or friendly. She called Rochester where they closed my account and said she got off the phone with her and I said why did they close my account and she says, \"I can't really tell you. All I can say is they close your account and sometime in the future you can apply again.\" It was very rude."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97706d6883c9447ab066c0432d67106e
encoding: FLOAT32
metadata:
{"chroma:document": "The online banking system has been unavailable for days now. When I call, they essentially blame me - assuming it's my computer or browser. Well, I have tried with multiple computers in multiple buildings using several browsers without success. This is a recent issue. I have never had problems like this in all the years I have used M&T. Their lack of honesty relative to this issue is disconcerting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97097ab29a7c4e73a17c6c01335d2819
encoding: FLOAT32
metadata:
{"chroma:document": "My original loan was thru Bank of America 2009, then I was sent a letter years later stating I have a new mortgage company M&T. Never missed a payment & often paid months in advance when times were good. I missed one payment in the 10 years of the loan they come to your home multiple times to charge fees for random property inspections. This is a violation of privacy and a consumer rip off practice by so many big banks especially to the poor. This bank only interest is to get paid and has no compassion for humans."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22fd2becc67f4ca9b545bd1ee586992c
encoding: FLOAT32
metadata:
{"chroma:document": "They have worst customer service. Bankers are liars and some fart name \"Bill **\" that if you a fraud he will try scaring you. Do not deal with them. Banks are thieves!! Also BB&T. Bank of Amercrap. Hsbc. All of them got caught via scam. Stealing from customers and cheating on fees. Whoever don\u2019t give great service should go bankrupt!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec0e805613584843b97eee47bf3f78d6
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is in my neighborhood to service the community. However the customer service is the worst I have ever experienced anywhere. Usually only one teller works at this bank. She is always polite and helpful but one teller clearly is not enough. Today at 10:15am three people sat behind the glass, two kept their heads down impersonating tellers only one assisted customers. The manager Ms. ** was impersonator number one, she allowed impersonator number two to do nothing but sit with her head down. If you guessed this occurred in a small town you would be wrong. This M and T bank branch is located on Alabama avenue in Washington D.C. You would be incorrect yet again if you guessed that today's service was an anomaly. This pitiful service occurs whenever I frequent this branch. Retention department can you help?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f09fe867ab64b0c8dcfa560d7aa90ee
encoding: FLOAT32
metadata:
{"chroma:document": "I have applied twice for a home modification loan with M&T Bank. Both times I was turned down. I am stuck on a 5 year ARM loan. I am 100% disabled and cannot work due to my health. They know my health situation and refuse to help me. I broke my neck, I have had ten Heart Attacks, Barrett's esophagus disease and three strokes. This bank is going to put me out in the streets where I will not survive. I think this is discrimination against the disabled. I need help and M&T Bank refuses to help a 56 year old disabled man, this is not right. Shame on them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10598017804e47e18ceab644e96baad0
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for the M&T Bank Visa card with zero interest. Got approved. Have great credit. The card has an offer of 100 dollars reward if you spend 500 dollars over first 90 days. I spent 2500 dollars. They never sent me a bill. They keep mailing overdue letters. No other choice but to call them. THIS is where it gets tricky. I have called several times. I use the customer number in back of the card. When you call you speak to the bank, the mortgage people, everybody except anyone from the credit card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb6df21a59c243ed8ade78bfaa952854
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a long time customer of M&T Bank both Personal and for our Business. Today I pulled up to the ATM Machine and it said \"Unable to print receipts, would you like to proceed?\" First of all why didn't they do their jobs and refill it with paper? I proceeded since I was only making a deposit and was going to take a pic of the screen to show the transaction. I put in 2 checks, one being spit out, the other one being ate by the machine. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 323812488f184b178e9c43f20e75fcae
encoding: FLOAT32
metadata:
{"chroma:document": "I have a loan through M&T, not by choice, but when I purchased my car M&T is who I got. I have had an excellent credit history since opening my first credit card 10 years ago and M&T has completely screwed me. First, let's just say their online system is not user-friendly. Since M&T took over as my new loan provider for my car in April of 2017, I have made consistent, sometimes even more than expected, payments faithfully to M&T. In August and September of 2018 after logging in to submit my monthly payments, their auto-generated Amount Due and Due Date had been lower than my normal monthly payment by $75.00. I did not think anything other than maybe my payments dropped these two months because I was paying off more on my monthly installments in the previous months. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53fa01b4a1e742cb89a2ab25401e6dc7
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had this account for 2 months and I\u2019m already closing it out. After depositing my own money into the bank it was put on hold for 5 days and after it was lifted I took a picture of my check to deposit to make it easier and they still have my check on hold for now 9 days! And all I get is, \"Oh there\u2019s nothing we can do.\" It wasn\u2019t a problem when I was depositing money but now nobody can help when it\u2019s time to take out? Definitely the worst bank I have ever been with. I would rather go back to Chase Bank. Customer service representatives are distasteful and rude. DO NOT BANK HERE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4e58f8f39d54853b53eed00867efa23
encoding: FLOAT32
metadata:
{"chroma:document": "I normally do not write any reviews but the experience with this bank has been so pathetic that I was forced to write it. The online banking system is a joke. They keep blocking the transfers with no reason and say it's for security and have no clue when it's going to be fixed. The customer service is a joke too with average waiting time of 45 min to get to them to just hear that there is nothing they can do about a problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39d26f82c5934151a296c2a83fdd58ed
encoding: FLOAT32
metadata:
{"chroma:document": "I called and sent a email about being off for 9 months with leukemia. Went back to work. Asked for help to no avail. Was out 9 months struggling. They wanted to sell my house even though I was not behind. I wouldn't recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a39a9435d7f43758d84821f01874ceb
encoding: FLOAT32
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{"chroma:document": "My mortgage got sold to this bank. I recently had some hardship and requested a modification. This began in May they have yet to help as they said but instead won\u2019t let me pay and now are trying to take my home. Everything they ask me I do and then they say they need more. I realized they simply have been playing me and had no intention of helping. Now I need help away from them. They are seriously trying to foreclose on my home. I don\u2019t know what to do because they have lied and placed me in a awful situation. DO NOT have anything to do with this bank. It is awful, unprofessional, and a scam. I have been in tears dealing with them regularly. Please - anyone that has advice let me know. Please!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93988ce8542d45b4a81bd4d915bb3d3d
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{"chroma:document": "Our mortgage was bought out by this bank, and I use the term bank sarcastically. My husband paid the mortgage on a Friday morning. We were coming up to a Bank Holiday on Monday so we assumed it wouldn't post until Tuesday. Upon review the payment did not post until Wednesday. When we called to verify the payment was received electronically as it stated the representative stated that the account showed an outstanding balance and NO PAYMENT. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 327089b3f5f24140877fcf57b4b88ba0
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metadata:
{"chroma:document": "My mortgage was sold to M&T last year, I did not choose them and never would. I've had nothing but problems since. From rude employees who have literally no idea what they're doing, cannot answer basic questions on what fees I'm being charged, will never let me speak to a supervisor etc. They're telling me my mortgage is delinquent but WILL NOT LET ME PAY. You read that right. They've locked me out of my online account. They've locked me out of the phone pay. They won't take a by phone payment with a rep. I've paid in full TWICE NOW and they returned the funds to my checking account, the same checking account I've always used to pay, and locked me out of everything. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac8f417ac7644048b49b8309bc45b520
encoding: FLOAT32
metadata:
{"chroma:document": "When I opened my checking account, I stated expressly that absolutely no USPS mail from the bank was to be directed to my residential address (which I had to provide as a condition of obtaining services). I explained that because I am in the process of escaping a domestic abuse situation that involves financial abuse (and this is commonplace in domestic abuse), any mail from the bank could fall in to the hands of my abuser, who, then realizing that I now have funds at M&T, would attempt to secure these somehow and/or commit physical harm against me for beginning the process of separation/escape. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b5b3902f3294326b09314c6eafeb32c
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst experience I have ever had with ANY company ever! Since the moment they purchased my mortgage loan in September I have had nothing but problems. It started with threats about not having homeowner's insurance and then not having flood insurance AND THEN it was not adequate coverage. I had to call weekly to correct these issues, as my insurance company sent proof of insurance several times. Additionally, I was provided several \"analysis\" and each was incorrect. Including one in which they sent me a $1390 check and stated I overpaid last year. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fee8f26137524e20ac72917e78f54db3
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{"chroma:document": "Also experiencing login problem described by other reviewer. Login went from clumsy and slow--use to take multiple attempts--to, lately, impossible. I can't log onto the site to see my account information, no matter what I do. Spent 10 minutes identifying myself and describing the error via the SUBMIT FEEDBACK link and when I hit submit I got an error message, so my choice is to call (they never solve online banking issues. Usually get transferred around and give up). I can use the mobile app, and that's it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8857c8033404f0fba1f7fd512a0bd5c
encoding: FLOAT32
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{"chroma:document": "Generated a loan through M&T Bank back in 2006 with 11.125% interested rate. For 12 years I've paid approximately 2,395.00 a month on a 120K loan with taxes and insurance included. As of December I still owe 108K on the principal. I wanted to get the interest earned for year 2016 and 2017. Each time the automated prompts would eventually hang up on me. Call the general 800-724-2440 number and after a long hold time I got someone whom didn't know what they were doing (Gloria). I'm going to refinance with a different bank. You are a very bad company. So difficult to work with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d5eadcba5d94830a38e7dc5b128c606
encoding: FLOAT32
metadata:
{"chroma:document": "This bank will not let you pay extra on your principal. When you pay extra money they will put that payment where you don\u2019t have a payment the next month but if you don\u2019t pay extra then your interest for next month is added each day you don\u2019t pay extra money so when you do pay all your payment goes to interest. I\u2019m 3 months ahead but they won\u2019t automatically withdraw because they say you're ahead of payments. They also do not post your account notice until 12 or so days after it\u2019s due. Bad bank. Someone other than me needs to make a complaint to the feds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3ce12f8335041e1843ae9b7c117ce38
encoding: FLOAT32
metadata:
{"chroma:document": "The bank manager approved an account for me, then lied about approving it. He became hysterical and agitated on the phone, and is hardly fit to be a manager of the bank. Beware of doing business with this branch, because the manager is very incompetent and cannot be trusted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c2b050c262d441d9731090371c45112
encoding: FLOAT32
metadata:
{"chroma:document": "I have literally been trying to log on to my account with M&T for a week and I can't get on. They changed their log on process in the last few months, it went from easy to slow and laborious, and now it simply doesn't work. I will have no choice but to switch banks...it's just inexcusable in this day and age of easy online transactions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db45b821210b414b8f7b98f9a0fad705
encoding: FLOAT32
metadata:
{"chroma:document": "I have no choice, but to have my mortgage under M&T Bank. My mortgage was sold three times within the first year of having it. I'm now stuck doing business with M&T Bank. My problem with M&T Bank is they don't accept payments for your mortgage on the weekends. Why is it, any other bank or online bill collect. You can post your payment on the weekend, but not with M&T Bank. I have loans out for auto, new windows, and having a basement finished. All of those I can post a payment on a Saturday or Sunday even if the banks not processing the payment until Monday, but not with M&T Bank. You can only post your payment during Monday through Friday and it even has to be posted by 5:00 pm to be posted on the same day. This is just another reason why the banks makes the rules, get bailed out when they make bad business decisions and we have to take it if we want a house or buy anything."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00794e66b8674c38bd3232279ba0697b
encoding: FLOAT32
metadata:
{"chroma:document": "I had no choice in dealing with M&T Bank, since my mortgage was sold to them at closing. In the first few years dealing with them, I had no issues. I went through a Chapter 13 bankruptcy which has been discharged for a year. I have made all my payments on time for the last 14 years, including during bankruptcy. In the past week, M&T Bank has called my home a minimum of 3 times a day, including Saturday. I called them 4 days ago to ask why they're constantly calling me. The rep told me \"it's as a courtesy once you're within the grace period and haven't yet made your payment\" (payment due on the 1st, grace until the 16th). So then how is this a grace period if you are now calling me multiple times a day, every day? All he could ask was if I was going to make my payment by the 16th. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 965938b3565a4f61ba28ce5e3c460afc
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{"chroma:document": "I do a lot of web banking transactions in terms of paying my bills and transferring funds between accounts as I have multiple accounts with M&T but only one can be assigned a debit card. I made a call to customer service just recently because I was in an emergency situation and needed to have funds transferred from my savings to my checking which was linked to my debit card. Web banking system was down so I called into customer service to have it done over the phone. I went thru two reps who refused to make the transfer even though their systems were down because they needed the last 4 digits of my account number and I could only remember the last 3. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42d657649f7c44d085c261538f5bcf3f
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{"chroma:document": "Purchase a condo 10 years ago with M&T Bank being the same mortgage company for 10 years. Back in January 2018 they send me letter and flood insurance on condo. They never received it. So I call condo association to get a copy and sent to them. Well couple weeks go by but never heard anything from them so when I called they said they never received it. But I had receipt from fax back in January that they did receive it. So I send it again. Well a couple months go by and I get another letter stating they are putting insurance on condo that they never received proof of insurance. Well now I\u2019m pretty frustrated with them. And to really make things they added to mortgage payment without me knowing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b8cad6078c74e748fb38ea8f2f2afda
encoding: FLOAT32
metadata:
{"chroma:document": "This bank will charge you $38 automatically instead of blocking charges to your debit card when your fund is inadequate. Even when the charge is for less than $6. And when you don't fund it within 7 days, they will continue to charge you $38. Instead of blocking charges to your debit card when you have inadequate fund, they will still process the transaction because they will bill you $38. They will tell you that you automatically enrolled to auto debit, and that's a lie. But that's how they harass their consumers. Please do not use this UNSCRUPULOUS BANK. Their practices are appalling. I hope State banking regulators will investigate this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85ea5c47717c43bcb0175237a318ba0e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with M&T Bank for 6 years. And in that time, I have had nothing but negative experiences with them. Their ATMs are out of service more often than not. They will find any excuse to charge you insufficient fund fees or other fees that they dream up (which they love to stack as many times as they can if you make one small slip up). If you do your math incorrectly and overdraft your account by as much as 1 cent, but the total transaction amount was $5 or more they charge $38.50. So you may be thinking \"Ok, I will simply double check my account before and after I make my transaction to ensure everything is correct\". Well chances are excellent that their mobile banking will be down."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78ce9b50dc334f499d55bafa1916f86e
encoding: FLOAT32
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{"chroma:document": "No way to speak to a live person. My mother is elderly, and she has her mortgage through M&T, a bank that I would never use, due to the non-customer service attitude. They are sending her threatening letters regarding foreclosing on her house, and she is paying her mortgage insurance etc, and they are stating that she is not. She is frantic, but I can't get anyone on the phone, just a freaking loop."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4a68c3fbcb94a729961ab2bc8747bd2
encoding: FLOAT32
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{"chroma:document": "This is the second year that I have had the same problem with M&T. It's property tax time and they never let me know if they have the bill or a status of the process. Try to call and get into a loop around all the departments. This is very poor and a big lack of information that property owners need."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9491375ecff4c7a9273c4daec295b80
encoding: FLOAT32
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{"chroma:document": "Nearing 4 months after submitting an approved disabled property tax exemption to M&T from my county assessor\u2019s office and M&T is still taking too much out for my escrow account, $4019 too much. My county has applied the overpayment from the first bi-annual tax installment to my annual tax liability leaving me with zero owing for the remainder of the year, yet M&T continues to take the incorrect amount out each month. I\u2019ve spoken with many, many people in both the Tax department and the Customer service department who blow me off and bounce me back and forth, no one is willing to take responsibility. When I finally get supervisors, they assure me they will personally watch the account\u2026and that\u2019s when it all ends. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b549a40a8ba54ddc86ee2e8d782ec5a0
encoding: FLOAT32
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{"chroma:document": "3 weeks and still no resolution... I went to the Leesburg Branch, after receiving a notice with late charges in the amount of $1494.74. Brought with me all my branch receipts, where as I brought in all my payments in and a copy of my note. My last payment is next month minus these late charges. As the receipts indicate I am not and have not been late. I just received a brief phone message from Luke ** saying he cannot help me. Very perplexed, prior to next steps, I am reaching out for assistance to correct this error."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f101c8d43b9c46b1b0c4ae6e7506899a
encoding: FLOAT32
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{"chroma:document": "I asked for $160 at the ATM. As yet again I received two $5 bills and three $50 bills. Since I could not use the $50 bills, I immediately went into the bank and asked for the bills to be changed to smaller ones. I presented my ATM card, the receipt for my transaction, and the $50 bills. I spent 7 minutes proving who I was (driver\u2019s license), that I had an account at the bank (check from my checkbook), and digits from my social security number. All this to get smaller denominations that I could use to shop because the bank chose to fill their ATM with large bills. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b691327560a84432958e205b704f98bf
encoding: FLOAT32
metadata:
{"chroma:document": "I had no say in this transfer of my mortgage. Never had a problem with the other entities that owned it before, but now it is an awful experience. They are so rude and arrogant about their own errors. They try and hose you, then penalize you on their errors. Corrupt to the core. I can't stand this company. Going to refi just to ditch these crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81034ebf8a7040349d13f9d33ae0d08e
encoding: FLOAT32
metadata:
{"chroma:document": "My 84 year old had an equity line with M&T bank that has been at a zero balance since 2013. We are selling the property that he took the line of credit out against. I have POA and submitted forms, paid $42 closing fee, signed forms to close account all on Aug 7th, 2018 at a local branch. It is Sept 5th, 2018 and numerous phones to a supervisor named Shelly, in the Buffalo office ID# ** as well as branch supervisor Tanya, at the East Orange Nj branch to they can get a 'closed and settled' letter that our lawyer needs otherwise they will hold double the amount of line of credit in escrow! Cannot get a straight answer. Back and forth. Each blaming one another. Claiming paperwork was not received, and they are still waiting on approval to close the account!!! This has to be the most frustrating experience I've ever had with a bank. I will NEVER do business with M&T EVER again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f086893f2fd24c9688e19a2cca0f9248
encoding: FLOAT32
metadata:
{"chroma:document": "I went to M&T Bank in Baltimore. I deposited $600. The machine malfunctioned and ate my card and money. I received a letter from bank this didn't happen. I'm so upset right now. They are an awful bank. This isn't my first incident with them, they credited wrong amount with check deposit, again ATM. They allowed 3 separate fraudulent withdrawals from my account. They have awful customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 851f4a45082e4d40a03c274dc0f56bac
encoding: FLOAT32
metadata:
{"chroma:document": "I had gone through the Mercedes Dealer who recommended M&T Bank. I financed through them but be prepared for excuses if your car is totaled. I am a Purple Heart Recipient who served in three wars. I have never had a bank make excuses and drag out to my pay off my car to get more money. My car was deemed totaled in June and I am still trying to get my car lien paid off. For the last 3 months M&T Bank has continually lied to me on the phone and nobody knows anything but I have a claim number. I have Gap Insurance which they received that paid off the car."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d05abd9b9ea7417c97fbe9a36aeea5b9
encoding: FLOAT32
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{"chroma:document": "I have a client who I made a loan to and the loan was transferred to M&T Bank. He wants to sell the house and allow the loan to be assumed per HUD guidelines. M&T believes HUD requires a downpayment of 3 1/2%, which is incorrect. The representative stated this is M&T Bank and HUD requirements. Incorrect. HUD does not require a down payment on assumptions. Reporting this bank directly to HUD for review and complaint."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4161b638bb6c4d53ab62739e941c8152
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my loan in order to trade my boat in for a new boat. They would not issue me a letter saying the loan was paid off for 10 business days. They initially agreed to expedite it for me, but then another person said they don\u2019t do that. After 10 days they agreed to fax it to me. When I never received the fax I called, spoke to a supervisor, \u201cDallas\u201d who informed me they don\u2019t do that. They will only mail it which will take another 7-10 business days. Every time I call I get a new story. They are the worst. I would never do business with them again in my life and neither should you!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ae496d013e04d7ab78174b66b59c1c7
encoding: FLOAT32
metadata:
{"chroma:document": "They bought my loan from CitiMortgage in January 2018. I have been kicked off of paying online because they are saying my account has been flagged as bankruptcy when I haven\u2019t filed. Have called and they took the loan off my credit and when I try to make a payment they won\u2019t accept it. Saying I have to make it with another department who always seem to not be in. They are saying now that if someone put my address down it flags it as bankruptcy even if it\u2019s not me. I have never heard of any such thing. I have checked my credit and everything is good there but I can\u2019t get anyone to take my payment. First time I have ever been late and I\u2019m trying to pay but no one will take my payment. This is so ridiculous and it\u2019s their fault and I\u2019m paying the price for it. I am checking with other banks to refinance as soon as I can. It\u2019s almost funny that I can\u2019t get them to take my payment. I\u2019m just worried because don\u2019t know what they will do next."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3082f458d2f548c4bc35d77280fc6e22
encoding: FLOAT32
metadata:
{"chroma:document": "Recently in May I was involved in a tragic car accident. I was told my insurance would cover most of my loan and to contact the bank in regards to the remaining balance. I called and was told by an M&T Representative the balance would be turned into a personal loan. My Insurance paid them immediately. I was worried about my credit and the representative had me make a payment for June and July assuring me everything would be fine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32fa9c73afcf43f2a4b3f216c09a3b63
encoding: FLOAT32
metadata:
{"chroma:document": "M&T Bank are thieves. Their ATM malfunctioned, got jammed, and refused to return my deposit or my debit card. Then they denied my claim and took back the provisional credit they gave me, stealing $200 from me. Don't bank there if you don't like being robbed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55f80b8f589c4f2b8078467c968bac12
encoding: FLOAT32
metadata:
{"chroma:document": "M&T Bank is the absolute worst bank to have your mortgage loan. First my loan was transferred by CitiMortgage to them. So my suggestion is if you ever have the misfortune to have your loan transferred to them run as fast as you can and find another lender. Customer services is a joke. Actually the joke is there is no customer service. They don't listen and try to over talk the customer. Second once you are fortunate to get rid of them and they are no longer servicing your loan they have no interest in any communication or fixing what they messed up. THIS IS THE WORST EXCUSE FOR A BANK AND A LENDER. RUN AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6a5ceea2b754f0fbf3b287c2d735a35
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{"chroma:document": "I have a boat loan thru them. They won't give me a loan book like norm. And when I do an e check with them they process it when they feel. I made the payment days before it was due. They processed it 2 weeks later and sent me daily threatening letters till the processing went thru. And charged me late fees. I've had my loan for 3 months now and this exact thing happened twice. They are so miserable to deal with I don't even want the boat any longer. Problem is I paid half down on boat. In process of talking to lawyer to see if I can end this without losing out too much. Horrible company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d6338bb97144bf580ca74e76fb46a32
encoding: FLOAT32
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{"chroma:document": "My wife has a checking account with M&T Bank. I went to the Wynantskill branch today (6/19) and had no trouble getting copies of cancelled checks. At the Wolf Road branch, however, my request was refused. I showed my valid drivers license & identified myself as the husband of the owner of the account, who happens to be legally blind. She can sign checks, I make the rest out. Please explain! Letter of the law vs spirit of the law?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d007129a2074f3d8c8c5c35b7a224b9
encoding: FLOAT32
metadata:
{"chroma:document": "The first year of my mortgage I paid a different bank approx 1250$ a month. Exactly 1 year into the loan I was sold to M&T, the first month went over fine at the 1250, the next month I was bumped up to 1350, I figured it was just taxes increased for the year and I wasn't happy but bought their story. The next year, my escrow apparently had a shortage, I looked into it and found it was an error of the county and quickly rectified it, I even received a tax refund for it. I contacted M&T to correct this and they informed me that they will only provide an escrow analysis once a year in January after the county provides them with the new bill in December."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 248bf018952541c8b23515d0c9390f55
encoding: FLOAT32
metadata:
{"chroma:document": "Very good lender. Saved up almost 100 dollars by revising our escrow account. Also obtained offered a new loan to lower our interest rate under the recent VA refinance rules. They offered these benefits without being asked. They wanted to make sure under the same 30 yr. mortgage terms, we would go forward with the lowest interest rate possible. This saves us $60 a month with a closing fee of 300 dollars. No cash out, no variable interest, no equity borrowing, etc. Just a new fixed loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 423113ed48a645049ac12f7e29fd76ff
encoding: FLOAT32
metadata:
{"chroma:document": "They have been helpful in some ways. I need to expand my account to set up to pay my bills to make sure everything is paid each month. Talk with someone about my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8fba395dd1b48a9af3f27ebf8c063e9
encoding: FLOAT32
metadata:
{"chroma:document": "I am truly pissed off with M&T Bank. MY mortgage loan was sold to the bank several years ago. I was told that my mortgage note increased due to the change in my insurance coverage through Allstate. I checked with Allstate today to find out no such change occurred. It is apparent that the bank lied to me over the phone. I will be contacting them again tomorrow and don't again. You can look out for another class action suit against you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10c8821d00724ef5b4ed2e8686fbffbb
encoding: FLOAT32
metadata:
{"chroma:document": "M&T withdrew my whole paycheck, I spoke to 5 different people ranging from the local branch to customer service center. First I was told my employer gave me a bad check, NEVER WOULD THIS HAPPEN. Next I was told they had no idea what it was and since it was a mobile deposit, they couldn't look it up. I was told my paycheck I deposited \"I tried to deposit twice\", once again incorrect. I was then told it was something from Feb. I had deposited my paycheck using mobile deposit. While doing my deposit the app crashed, which happens a lot. I pulled up my statement and saw that even though I only did the deposit 1x it was showing 2x. I immediately called customer service and was told it would wash out, it happens frequently. Yes, it is my negligence that I didn't check my statements monthly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01fa6fc895a04ff1986b3d44f86786a8
encoding: FLOAT32
metadata:
{"chroma:document": "I began two weeks ago to transfer funds from my money market account into my checking account. It has never happened. Told by the worst customer service ever that every next day my funds are going to post. Was told numerous times by Investment Customer Service that the funds would post. Now I have absolutely no funds. Getting evicted, can't pay car loan. Can't get medications. Forced to open an investigative case with the Federal Comptroller of Banks and Currency. STAY CLEAR OF THIS BANK!! Next step I have to get a lawyer with no funds!! Hopefully this bank will eventually dissolve or go Bankrupt. They have ruined me. Sleepless on Long Island."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a407cf156e954d44b29fb7c72575496b
encoding: FLOAT32
metadata:
{"chroma:document": "We only have our mortgage through M&T, as we have cut ties with the big banks. I was sent an email reminder 3 days before my mortgage payment was due. I have set up payments through my credit union & have paid my mortgage on time since 2012. I logged into my account to opt out & received the message I was not set up for emails! I contacted the number on the email & the rude rep told me to look for an alert option. There is NO alert option on mortgage accounts. I called again & was transferred to the mortgage department & after being on hold for 10 minutes & without speaking to anyone, I hung up. I'm SICK of the big banks & the terrible customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4712ec1de9e34ff98e3774110b58b827
encoding: FLOAT32
metadata:
{"chroma:document": "M&T Bank only likes to help people who have money. If you're lower income or disabled they do not want anything to do with helping you although they portray in their commercials they're so helpful. They love giving out overdraft charges and when I asked to please remove at least one... I was told no and they could and would not give me any answer. Just no. I was going through a refinance... and I needed information from them. I dropped off the papers and when I called the refinance company a week later... they never received the paperwork. I went back to the bank and to my amazement it was still sitting there. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 437021282e164269b3b633f89fc14513
encoding: FLOAT32
metadata:
{"chroma:document": "I had such a bad experience with this bank from day 1 that I forced myself to pay off my boat loan early just so I would not have to deal with them. Once the loan was paid off early I asked for a letter of loan satisfaction. The customer service rep acted like I was inconveniencing her. 3 years later I go to sell my boat and can't because all they referenced in the letter was the loan #, not the boat info. Once again I need to request a letter of loan satisfaction with the boat info and once again the customer service rep acts like I am inconveniencing her. From the first day I got this loan I knew it would be a headache. No one tries to help, they are very sloppy with their paperwork. Having a bank loan should not be this much work! How does this bank stay in business!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99f69b08c09447aca6441d5aade4db16
encoding: FLOAT32
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{"chroma:document": "I accompanied my husband on a visit to an M&T Bank branch at 5642 Baltimore National Pike, Catonsville on 4/2/18 where he has a checking account to which he has direct deposits. We are an elderly couple. My husband has no checks for this account as he no longer has starter checks and has not recently used the account to write checks. He was told in a previous visit that he had to pay $10 for a check in order to avoid a cash withdrawal of the sizable sum he was seeking. In order to avoid withdrawing over $1000 in cash, we waited for nearly 30 minutes to seek assistance to accomplish this withdrawal. Instead of assistance, we were called by a hostile and rude bank officer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83b1c05eebb94bd882baf1236f968dfc
encoding: FLOAT32
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{"chroma:document": "I am writing this in hopes, that no other person ever has to deal with the lies and shady dealings of M&T Securities like I have suffered through. My grandparents had lots of stocks from M&T Securities. My grandmother passed away in September 2017, and left her estate to me. Including all of her stocks. I have been stuck with every bill imaginable, and although I did not want to liquidate the stocks, I had no choice. I began this process in October of 2017. I had my attorney contact M&T Securities to liquidate and cash out the stocks. First off, the initial contact between my attorney and M&T was a very long wait. My attorney called several times asking for a letter of instruction on proceeding the liquidation. That simple letter of instruction did not end up coming until November. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bba76710ed464fc6b8b10823de914795
encoding: FLOAT32
metadata:
{"chroma:document": "Getting stuck with M&T was not my doing. My Mortgage was sold to them. I have damage from Maria and because my check is for more than $20,000 they have to control the disbursements. That's OK except they want to force me to use a Licensed Contractor. I however can pull my own permits and my husband who is a subcontractor will do the work. They want to fight me on this. They have been fighting me since February! Now we are into the rainy season in FL and I still don't have a new roof!!! I think it's time to get a lawyer... I can pull the permits and the city will do inspections!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c81403d0e8c94b8997d9c322f09f7030
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to M&T Bank and it's been nothing but a nightmare since. They harass their customers. They are incorrect with their information and they are bullies. I am going to refinance to get away from them. My recommendation would be to stay as far away from this institution as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cfe17ad01d6f497c9ce55b2f35afb58d
encoding: FLOAT32
metadata:
{"chroma:document": "After my first year of owning a home our lender sold our mortgage off to M&T Bank which was not an issue at the time. Unfortunately, as of last year we had issues paying our mortgage due to being affected by Hurricane Harvey. Now here is where the issue began, after speaking to a representative over the phone we were informed that we must fill out an adjustment package and send in a hardship letter and prior months bank statement. Well, after completing the tasks (fax is the only way which cost me $40 each time) we haven\u2019t heard back from them for a month, so like any right minded individual I called them and was assured they would look it over. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e876fd584ff645609b6ed8b668616a36
encoding: FLOAT32
metadata:
{"chroma:document": "Relocated from Ireland to USA and applied for secured loan to help build credit history. One week later the bank informed me in writing that foreigners do not qualify for loans from M&T Bank. I am stunned this blatant discrimination against foreigners who are investing in the US economy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d745b6b6dbdf419c96cc49b21da52a2b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had many personal accounts with M&T Bank over the past 7 or 8 years. Recently we opened a business account in M&T Bank thinking it would be convenient to have the same for personal and business. I was so wrong! I've had the account open 6 months and I've had nothing problems from the beginning. My complaint will be of the most recent... A cashier's check or a bank check was given to me from a customer so I can buy supplies and start remodeling his house on Saturday. I DEPOSITED the check at 12:43 pm on Friday... A bank check is basically already cash, that's why I had the customer get a bank check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad73817be3cd4bf38827f7a22f110efc
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{"chroma:document": "M&T Bank has the worst customer service I've ever experienced. They are at best rude and usually disrespectful and condescending. This company acquired my mortgage from another mortgage company, and the circus began. I had correspondence with the bank and was told I qualified for a loan modification. They sent the paperwork which was filled out and returned promptly. Then the phone calls started. My loan modification was denied for reasons of them not informing me of wrong information which is documented, I sent the correct information. It was an excuse every time, terrible service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0e20c00569f4a1bac2d0cac0770ac92
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{"chroma:document": "My mother had a bank account and a living trust holding a safe-deposit box with M&T Bank. I flew across country (I live in Oakland, CA) to visit my mother when she was in the hospital, unable to leave; she was very insistent I should get into her safe deposit box. When I tried to get into the safe-deposit box, I was told I needed to get a power of attorney to do so -- despite the fact that the person present *knew* the box was held by the trust. When I got said document, I was told that I could not get into the box, as it was held by the trust, not my mother per se. Fine, I thought; we will see about changing the trust, and that will solve that. My mother passed away before the trust could be altered."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c341a6d9e7d45a18641640fe29be6df
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{"chroma:document": "M&T Bank has the worst customer service I've ever experienced. They are at best rude but usually disrespectful and condescending. Their processes exhaust their customers by requiring unnecessary measures that any working person is unable to endure. Their website is painful to use and their phone service is agonizing. It would be in your best interest to find another loan service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a44c8edd47e435d88d9d91380d73152
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{"chroma:document": "Found out to my surprise, some years later that my saving account was closed at M&T. The bank said I came to the bank and I signed for my account to be closed. Then on the same day, they said a deposit was made to my checking account for $207.81 and the bank said I did that also. There is no way I would have done that. It did look like my signature on the receipt, but I know I would not, closed my account then took an odd amount and put it in my checking account, then leave the bank with the rest. I would have taken the entire amount I closed with and left the bank. What should I do, when they have proof that I signed for it to be closed? I have already taken action on this matter and they said the same thing... \"We see you signed for your savings account to be closed and that is your signature, so you closed it.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f9ed83e024f42d7ac90366a6792819e
encoding: FLOAT32
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{"chroma:document": "This company acquired my mortgage from another mortgage company and the adventure began. After a death in the family, loss of job and another family member got ill I fell one month behind on my payment. I had correspondence with the bank and was told I qualified for a loan modification. They sent the paperwork which was filled out and returned promptly. Then the phone calls started. M&T Bank is also a collection company. My loan modification was denied for reasons that escape me. I have spent many hours providing this company with everything they requested. Beware is all I can say."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50e0bc9cb0a0460a8bd201f29fc3f85c
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{"chroma:document": "I was mislead on what a loan motivation was by phone and was hassled by this mortgage after experiencing damaged from Hurricane Harvey. A representative from the company showed up at my home uninvited, many hassling phone calls and letters after arrangements were made with the company, rude customer service reps who acted as if they were doing you a favor by taking your call. After applying for the modification with all required documentation due to a 3 month deferment, the company required my check stubs pre-storm as if we received raises during the storm."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ab51857f7b7457189d41254b6cc974d
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{"chroma:document": "Worst car loan experience I have ever had. To begin with, when I initially opened my account I never received any billing information concerning loan payments. I assumed that my payments would not start for 45 days like most banks. Nope, not this one. I didn't receive any billing information until my first payment was past due and then demanded a double payment. I attempted to assure them that I never received the initial information concerning account number, payment due date, or payment amount."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a595bb90a581405392676d6414849476
encoding: FLOAT32
metadata:
{"chroma:document": "I have been through 4 different modems at Spectrum and every modem the IP address was blacklisted by M&T Bank meaning I cannot surf to their website. I can connect to any BANK except M&T Bank (Key Bank, Bank of America all good). What a PAIN IN THE ASS!!! It\u2019s been over 2.5 weeks and when I call M&T Bank they say it\u2019s Spectrum's IP being blocked and when I call Spectrum it is M&T Bank! Well the problem is at M&T Bank blocking IP addresses in order to gain access to the website. FYI it\u2019s the Baracudda blacklist system! As a business owner this is **!! Also the M&T Bank App is terrible. I haven't been able to get this to work for months either. Support on the same is also poor! It\u2019s a real shame. I have 11 accounts with them and when calling tech support you're only a NUMBER!!! And the same excuse!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41b6893eb2b1457d8653a879f6ea42e5
encoding: FLOAT32
metadata:
{"chroma:document": "Do yourself a favor and choose a different bank. They charge you for every little thing. I was 7 dollars negative in my account, so I deposited 10 dollars cash the next day, and they charge me a 38 dollar late fee... I will never pay this late fee. I wish they go bankrupt."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 606427e430da4e94a4945fd4fa7d2be3
encoding: FLOAT32
metadata:
{"chroma:document": "M and T's online banking and app services are absolutely HORRENDOUS. As a business owner who was clearly foolish enough to open not 1, but 3 accounts with them. PLEASE spare yourself the trouble of having EVERYONE in the entire United States having access to your account EXCEPT YOU! Oh, and the hold times over the phone are endless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40dd0c138e0044d49eb271e5640cd285
encoding: FLOAT32
metadata:
{"chroma:document": "My mortgage was sold to M&T Bank. Ever since, dealing with this bank has been a nightmare. Their customer service people are incompetent, their loan officers don't know what they are doing, what you are told via phone conversations and what actually happens are two different things, and they are always looking for a way to charge you more for them doing nothing but harassing their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1bc6e6c513154466a42cf523f4021b75
encoding: FLOAT32
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{"chroma:document": "I was laid off last year and have been continually 30 days late with my mortgage payment. I have started to recover financially and then had to replace a 6k boiler system on the house. I have applied to M&T mortgage for a home modification and was denied based on credit! I knew that would be the outcome since the loss of employment. I asked the bank to add 2 payments to the back of the loan and they have refused but continually offer a deed in lieu of title. They have been of no help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be1e473471884a74a73b58ff28bf87e6
encoding: FLOAT32
metadata:
{"chroma:document": "This the worst bank ever, you can tell they do not care about anybody. They bought Hudson City Bank and kept 2 mortgages on credit report. Had to fight to remove one, then added $12500.00 to balance of my mortgage. They say they charge to pay mortgage off early. Now they want 2 months mortgage payments in escrow at all times. PLEASE DO NOT USE THIS BANK. They will stress you out every month with new fees. Now they reported I was late over 90 days on my mortgage for 10 months in a row. They killed my credit so I have to fight to change the last credit report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74a07275e39f4ed7a0412ba645747967
encoding: FLOAT32
metadata:
{"chroma:document": "We have a Controller who is going to jail for stealing more than 1/2 a million dollars from us. We didn't realize the theft was taking place because M&T was refusing provide us with bank statement that were lost in Storm Sandy. We hired a lawyer to force the M&T to provide the records. When they finally sent the records the theft was clear. We saw checks where the payee, and amount on the checks did not match what was recorded in our accounting software. There were over a 120 checks altered. Most of these checks were deposited by the controller into her personal account using the bank's remote deposit application on her smartphone. These applications are not secure. They cannot tell if any of the information on the check has been altered, and the system can't tell if there has been white out used on the check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98f76db64a6d4e33ac5f9c4221214f18
encoding: FLOAT32
metadata:
{"chroma:document": "I chose M&T Bank to open up a guardianship account. BIG MISTAKE!!! For six months, they have been unable to effectively process checks written from this account - even with specific court orders. I was finally forced to reach out to the Better Business Bureau, in order to literally force this company to do its job. I had to take 9 days off work to try and resolve issues and they will not reimburse me for the work I had to miss. I also had an appointment with the branch manager and he refused to meet me - and I had driven almost 4 hours to meet the manager. The BBB complaint # is **. Even with corporate M&T involved- they still can't do the job effectively. I caution anyone considering opening an account with M&T Bank to think twice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9574bd5a6b4470c99801828a962849c
encoding: FLOAT32
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{"chroma:document": "Our loan was recently purchased by this bank from a reputable bank that we never had a problem with. In 20 years we have never missed a mortgage payment. Our home was demolished by hurricane Irma this past week. When we talked to FEMA they told us that mortgage companies will allow you to defer the next 3 mortgage payments until the end of the loan to give people a chance to get some of the repairs done and make the house inhabitable again. When I contacted this bank, they said they were aware of this policy, but they don't allow for it. They told me if we missed the next 3 mortgage payments we could apply for a loan modification. They would report us as 3 months delinquent on our credit reports and raise the rates and charge us closing costs. WTF?? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c31d12396da40faa1fc7f22da3597d9
encoding: FLOAT32
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{"chroma:document": "I'm pretty much satisfied with my bank until recently. I had to go get a new bank card and I applied for one. They told me 5-7 days so I'm waiting. No card. I have bills linked to my bank card so finally after 8 days I go to the bank and applied for another card. So now I have to wait another 5-7 days before I can get my bank card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 332a2e7995c34996857e884d36c5cb1d
encoding: FLOAT32
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{"chroma:document": "My loan was purchased from M&T Bank (I made my first payment to them in June 2017). I have made several calls to them concerning my escrow and my taxes/insurance. It is hard to get anyone on the phone. Once they are on the phone one person tells you one thing and another person tells you another thing. I call. I get transferred from one department to another. You ask to speak with a supervisor. If you don't hold forever waiting on one they don't have one available so they have to transfer you then you get transferred to another department which isn't who you need to speak with and need to be transferred again. They won't give you a phone number to a supervisor or even an email address. They said, \"I didn't know if I am allowed to. You for them to call you back and we don't make outgoing calls.\" Please sell my mortgage to someone else! I am over it - customer service sucks - I can't deal with all the petty stuff!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a34932437ee744ed898b8b9a1a6f0709
encoding: FLOAT32
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{"chroma:document": "I use M&T Bank on RT 17 M in Middletown N.Y. and I find them to be great. It's a small bank and they take good care of my banking needs. And I have been with them 25 to 30 years now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de5f6fcf2e28458aa3fd63fcd6c496f4
encoding: FLOAT32
metadata:
{"chroma:document": "I have never dealt with a banking institution that is as ill-equipped and unreliable as M & T. After my mortgage loan was sold on my out of state rental property to M & T, M & T notified me 6 months later that the automatic payments which had been set up for over 6 years and in which I had never been as much as a day late paying, did not transfer. M & T notified me of this via a postcard a day after they sent me a certified letter noting foreclosure warning proceedings. Then I had to pay for their attorney costs to close the matter and my credit score tanked. I tried to explain that the property was managed by a realty company and that I had never even received a phone call from M & T regarding the matter and letters from M & T were sent to the out of state rental property and my previous address."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edcc4c67176f47ae9e33307e4f98f566
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{"chroma:document": "Several attempts in dealing with customer service with most recent was to have a copy of my vehicle title (which they are holding) be sent to the DMV in order to register the car. Even in this day and age they will only assist me if I fax a letter with my request. Not to mention I spent almost an hour verifying my identity however according to policy that was not sufficient. I was passed along to several \"supervisors\" just to have the policy reiterated to me. Customer service is non-existent!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c80db168814c4962bc1895e08c998cfb
encoding: FLOAT32
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{"chroma:document": "NOW (M&T BANK) since changing from Wilmington Trust to (M&T) the service has gone downhill tremendously. They just don't care about their customers. They have high fees for every little thing that you can think of. They have made several mistakes with my account and held up my money for days. HANDS DOWN WORST BANK EVER!!! STAY AWAY FROM M&T."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f3c4c83c0bd426882d48e7fe7144f1a
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{"chroma:document": "I have been very cautious on getting Auto Loans these days, and now I know why. I have an Auto Loan with M&T Bank. I received an auto loan through Nissan Dealer in Auburn, MA and they ended up getting this institution to receive my loan. I never received a welcome to our bank, instead I looked at my credit report and find out I have an account with them and the total balance I signed for increased by 200.00 dollars. I talked with a customer service rep and they told me it was my payoff, then this morning I looked and again it increased by 400.00 dollars. What is this bank doing, do they think consumers are stupid and don't realize that they are stealing money from their customers. If this does not stop I will refinance with a reputable bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: beb0e51fb3c74e288fdf7c105de2becf
encoding: FLOAT32
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{"chroma:document": "Sadly, my review is joining the ranks of the trillions of others who have had a bad experience with M&T. As a business and personal account holder (soon to be former) I was not only treated unfairly and unjustly when seeking banking products for my business but until now, I never closed my accounts despite the NUMEROUS fraudulent and bad practices of this bank. I will start by stating that there are a few branch associates and phone reps that are very professional...but that doesn't negate that there are times when multiple ATMs are not only down, but will take the cash to be deposited and then malfunction where you now have to wait weeks to get your cash placed back into your account. OR when an ATM doesn't work at all. And then there are the actual banking products, which this bank notoriously will not offer even longstanding loyal customers. It is sad that this bank has come to be a bad experience. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b28c0241e9854b9ba860c4606a364ccc
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{"chroma:document": "I got a letter on May 8th that my escrow account was short (Today is June 5th). They took my normal payment and put it in suspense because it did not have the $100 dollars for the new escrow payment (Pmts sent automated from my bank). Got an intent to foreclose letter from these people ALREADY!! I've never been late in 4 years of payments, and yet they already start intent to foreclose proceedings. I was out of town for a few weeks and was going through my mail... when a knocked at the door and my mailman asking me to sign a letter from them telling me to get an attorney. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62ab14630f8245aeb2a4718e25039407
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{"chroma:document": "THIS M&T BRANCH located 120 Shawan Rd, Hunt Valley, MD 21030 SUCKS **!!!! I'm going through a divorce. My M&T bank account was setup with my LEGAL maiden name (which ON MY SOCIAL SECURITY CARD!!!! I kept my maiden name adding my soon to be ex-husband's name). For the past 6 months I've gone to this location and withdrew monies from my checking accounts using my driver's license, bank card and b/c of all my legal names I provide my Social Security card. Today however all of my LEGAL documentations (I even gave them my damn birth certificate!) weren't good enough. The teller who lack common sense and a ** brain (blonde girl w/ glasses), said she couldn't use my SS card b/c it lack a picture! What state has pictures on SS cards??!! And I'm sorry but don't you all accept the SS card as a form of ID when opening accounts are concerned??? I surely used mine!!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f524b40041ab4e178b53a3d6b26a462d
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{"chroma:document": "I will not use euphemisms to write this review, I will tell as it is. M&T Bank is not only the worst bank I have ever dealt with, they are the worst group of people I have ever encounter in my life. Like many, my loan was transferred to them, and during 6 years I have been lied to, defrauded, almost foreclosed on for no reason (I was not late on payments), threatened, robbed, and treated like garbage. They added thousands to my principal, they hurt my credit, they forced an escrow account, charged endless fees (even to give me a pay off amount). I was told if I didn't sign a document they would \"Increase my principal even more\", while they were already preparing to foreclose."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f545c57d5dfd46c08434f2f289e376c2
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{"chroma:document": "Honestly, if I could give negative stars I would. This is not directly for this location but for M&T in general. If you use their mobile deposit in the first 30 days of your membership to deposit a check they will HOLD it completely for 5 days. They don't give you a certain amount and hold the rest like most banks. This is absolutely ridiculous as the check I put in was a payroll check. As soon as it clears, we are taking our money out and canceling the account (regardless of a fee). Thank you for screwing us and leaving us with no money for a week! Never again and we will definitely be telling everyone we know not to bank with you!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd45ea17ae7e49ba8bb7153bbbbf657d
encoding: FLOAT32
metadata:
{"chroma:document": "They unfortunately bought my mortgage a few years ago and out of four they have been the only company that's problematic. They're impossible to get a hold of to make a mortgage payment to, even on their app half the time. It's nothing but problems with this company, I can't stand them. Do yourself a favor and avoid them at all costs if you can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0396f4b2d28e44498418c88a3fdd7672
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{"chroma:document": "M&T Bank in Rehoboth Beach, formerly Wilmington Trust provided title to mobile home when loan paid off, but it was unsigned. Owner did not know this was a problem until time of transfer. I am realtor representing the seller. M&T faxed copy of title not understanding that we need original in order to complete the transfer. Have tried for 3 days to get someone to call me back. Zero response. Unacceptable, unprofessional customer service. What does it say about a company when they won't even call you back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e8576f54b9d4e3aac399b9459b1cb8f
encoding: FLOAT32
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{"chroma:document": "M&T Bank is the worst place ever. I always come to this bank and the customer service is the worst ever. Each person waits at least 30 min to be seen, while there being more employees there. Instead of making customer service the number one priority and help the next customer, they leave one person at the teller and all they can say is sorry. One customer and you spend your whole lunch there. It has to get better."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f6ca907af104602ad3116fd0e560229
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{"chroma:document": "Took almost 3 and a half weeks and 11 attempts to get a payoff statement. I explained in early Dec of 2016 they would not be receiving a pmt for Dec as it was to be included in the payoff of the mortgage. After finally getting payoff info after them dragging their feet Dec not went past 30 days, I was assured by several members of their staff this was not an issue since the Dec pmt was rolled in the payoff check. Only to find out after having my check for the entire balance of this note in their possession on Jan 13 2017, they turned my account delinquent on the 20 of Jan 2017 and destroyed my credit score after confronting them. I was told there's nothing they could do and conveniently all recorded conversations on this matter could not be found. Instead they have reported my account as delinquent for the entire balance of the note. Not for Dec 2016 note. The entire note of 86 thousand dollars as if it went into foreclosure."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed4de98e170b4bc684a209fe260663b8
encoding: FLOAT32
metadata:
{"chroma:document": "I just dealt with the nastiest/heartless bank in the world, M&T Bank. They could care less if my brother can't talk to them, because he is on a vent and chemically sedated. From the 24 of Feb to 24 of March the M&T Bank will close my unconscious brother's bank account if he hasn't contacted them by that time to update his personal information. They will write him a check on what is in his account and mail it to him! I say that is a good deal! Who would want to be associated with such a bank! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45de3c7cdad44d96b47e254140c3ed16
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{"chroma:document": "I went to the bank this morning to get a document notarized and was charged $6. The person should have informed me before notarizing my documents that there was a $6 charge for this service if I was not an account holder. She did not do that which I thought was unethical, unprofessional and sneaky. It these are the kind of people that this bank employs, they will certainly never get my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d47092bb3d374411a7879f732299014e
encoding: FLOAT32
metadata:
{"chroma:document": "First off the bank charges fees that most other banks have done away with years ago, like a $3 to transfer money to another bank, and $10 a month to use a money management software like Quicken. Already a reason not to do business with them. Second, a company that I regularly do business with accidental took a large amount of M&T (which was listed as a secondary account) without alerting me. M&T is an account I made a long time ago and almost never use, and thus it did not have the required funds. M&T immediately charges a $40 overdraw fee without notifying me (while it is your responsibility to check, most banks this day and age will notify you of this), then 5 days later without notifying me charged me another $40."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4908bf854204caca8b6fa566a372a6c
encoding: FLOAT32
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{"chroma:document": "This Bank gives you no wiggle room and doesn't care about you whatsoever. They'll do everything to get you to their bank but then nothing to keep you satisfied even if you are a good customer. I use their online mobile banking. It showed I had available and total balance in the positive. I forgot that I had made 2 bill payments that didn't come out for 3 days after, and I purchased fuel. All of a sudden all of these things came out at once. I was given three $40 insufficient funds fees for each charge. I'll admit that was my fault. I tried getting them to reimburse me for at least one just to be nice because I never, ever, ever go negative but nope."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9a573c794d74e94a87613a034b3212b
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{"chroma:document": "I went to the M&T branch on 4747 Transit Rd, Depew, NY 14043 to transfer money between accounts. There was no one in line for the three tellers. I walked to the counter and stood there. Not one of them made eye contact or acknowledged me. This was ignorant and rude. I went to the teller in the middle and could literally feel the disdain oozing from her. As I explained what I needed to do she was busy joking with her fellow teller about house parties. I provided my ID as requested and she returned it with a flip of the wrist. I worked in customer service all my life, and I have never seen such arrogant and disrespectful treatment of a customer. M&T human resources better start using better hiring criteria for its people other than empty headed party girls."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0191738c1d034beba6f7d050b5c769ba
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{"chroma:document": "What do you do when your mortgage was sold and you were not informed. What do you do when you find out and the new company is not set up to take your mortgage payments? What do you do when you are in a horrible financial bind and the bank offers to help and save you some money? I saved $3.00 from that scam and I am currently behind. I attempted to catch up and I called to make a payment. After being berated by Customer Service for not making the payments, I was shouted at, demeaned and the payment was taken from a very old account not used in over 16 months... on purpose, I'm sure. I called twice to try and figure out why the payment didn't go through. Each time berated about being behind and confronted with... \"Well! What are you going to do about it!!\" I spoke to a manager who did not want to fix the payment. She wanted to know what my problem was and why I couldn't pay."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 286df224d5e64869b86f85ca5b01ccad
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{"chroma:document": "I pay my mortgage payment religiously every month through my online banking. The payment is due by the 16th of the month or they charge a late fee. I have the payment sent on the 6th of every month. That gives the payment 10 days to reach them. This month I received my statement from them with a late fee assessed. I thought, no problem I'll just call them and ask them to refund it. They REFUSED to reverse the late fee. I told them I had a confirmation from my bank that the payment was sent from my bank on the 6th. They told me too bad. They only allow one reversal per the life of the loan and I already had one reversed in October of 2015 (for the same reason). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27601fa5f77342abb78d03144cd94924
encoding: FLOAT32
metadata:
{"chroma:document": "After failing to be able to make payment online I called Customer Service. Being transferred around after long holds on each round finally got to talk to supervisor only to be told I could only make my payment on PC not mobile device. The other girls didn't know that? The first two girls were very rude and I'm wondering if I was left on hold that long on purpose? My loan was transferred to them. I would never have picked them. Stay away from this business! ** for customer service and the music they play while on hold. I'd like to slap the smart mouth girls on the phone. Wonder if they REALLY record the calls? Doubt it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47eb1fa4ce104ffcb5e4b964490d1f57
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{"chroma:document": "Worst Bank Ever!!! When making deposits it says it will be available on a certain date then it's not, when you ask why it is not they give you some ** excuse that it posts to the account then day after the given date. WTF!!! Any bank I have ever had makes funds available immediately if under a certain amount, not here they don't make those funds available until 2-3 days later. When you tell them to cash a check and deposit as cash they won't do it stating some more ** excuses. When my father wanted to put money in my account for me they wouldn't let him! Any bank will let you deposit into an account but again not here. I have had nothing but bad experiences with this sorry excuse for a bank in the year that I've dealt with them. I will pulling all my money from this bank and opening a new account with a credit union. Do not go here!!! This bank should be shut down! Run!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43e485481e9547d1bf348f2eab78e06b
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{"chroma:document": "I paid my last car loan payment and called M&T Bank customer service immediately to change my address and name so title will have correct information. They ensured me that name was changed and I was supposed to receive mail which I had to sign and send back with copy of marriage certificate. 10 days passed by and I never received mail with title that had my old name and address on it. I called them again and they said I have to deal with DMV directly to change my name on the title. As a customer, I did everything right, I was on the phone for over an hour, they told me my information was updated and they are sending mail. As a result, I have to pay fee to DMV to have my title changed. Manager was rude and entire customer service team didn't care to understand my situation, I would never use this bank and make sure everyone around me knows how bad they are."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abf38e9785ff4ad69dbd5bbd5dc358a0
encoding: FLOAT32
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{"chroma:document": "As I have seen there are a lot of complaints about M&T Bank. I'm also complaining their phone wait period is too long. They get mad at the customer. Make up stories that make little sense. I know it not me because no other financial institution is doing that over the phone. I gave it a two stars because when they screwed up or gave me a hard time one guy put our payments back up to date for us."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c69b551cd7424783856245241d5244c0
encoding: FLOAT32
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{"chroma:document": "Went to the bank with a personal check that someone gave me. They purchased a snowmobile from me. Went to cash it. They wouldn't let me cash it at the window so I went inside. They wanted 2% percent of the check to cash it there. Are you kidding me? This is one of the worst Banks I've ever dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a044217a5f9a4392aee8dea180e34fd1
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{"chroma:document": "We wanted to re-fi our home mortgage to save a few dollars. We always paid on time and even ahead of time. I started in mid-August, was told it would take 30 days to complete. Still no closure the week of Christmas. We had at least 3 closing dates only to be told everything was ready yet. I got a call that we would close Dec. 27, 2016. Two days before closing, I was told by M&T Bank I needed a check for over two thousand dollars for closing costs. I was told from day ONE that all costs would be added to our loan. So since I did not have the two thousand plus dollars they say I canceled the loan and therefore they keep my $275.00 fee to start the loan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85c365f8211949c0ae0b739e9b0c60ca
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{"chroma:document": "I went online to open account on July 3rd, everything seemed smooth at first. Issued a account number for checking account and savings account. I then tried log in online and for some reason, the site wouldn't let me log in. So I call the 800 number for customer service who informs me, \"Must be a glitch in system. I can't see any accounts in your name\" and I need to go to a local branch on the 5th."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01828cbb4bf94494be9fc6853748b3f2
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metadata:
{"chroma:document": "Should be 0 stars but not an option. After a 12 year breach of contract lawsuit, we agreed to their terms in a court overseen Settlement Agreement. Again the terms were offered by this Bank with their representative present in the hearing. It is now 7 months later and they have failed miserably to live up to their offer. Think twice before entering into an agreement with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dec08b8919d94563921f8e695e8afc13
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{"chroma:document": "First Citizen Bank is probably the Worst bank for anything from Personal Banking to Business. This is going to be a Long and pretty In-Depth review: Originally I was with One West Bank, a pretty good bank for years, until it was acquired by First CitizenBank in 2022. Thinking I might still get the same level of banking service and customer support I stayed. I can tell you this that laid off most of One West Bank employees! So I stayed and had no issues and slowly I started to face issues:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1db04e5594cf4665bd9e8d58bda01c8c
encoding: FLOAT32
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{"chroma:document": "I have had nothing but issues with this bank. The first issue was they didn't charge me the agreed upon interest rate. I had to make them aware they had been charging me the wrong rate for a few months. They corrected but it happened again. I lost money because they were overcharging me when my loan was at its largest. They never reimbursed me for that. Fast forward to last year, I had to change bank accounts due to fraud, I connected with loan manager and filed new paperwork to pull out of new bank account. They kept trying to pull from old one, racking up charges.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eda4e9d4460c4089a0921aceb11d5499
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{"chroma:document": "I have tried to call in and make a payment for a car loan and set up auto draft but the company is making this process so hard. They tell me they need to call a landline to get a code, but then tell me they can\u2019t do that. They say they need to speak to the primary on the business account, and I say he is an attorney and I am the account manager. I will try to call him. They then say he has to call in. I then ask does he have to call from the identical line from the office phone and she tells me I can\u2019t tell you that. I try and remind her that he is an attorney and will need to call from cellphone, so that matters. She then tells me she can\u2019t tell me that. It has never been so hard to make and set up draft for a payment in my life. I will not be using this bank again. I am going to look into refinancing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16a020cd17af4d3893edc2853186dae8
encoding: FLOAT32
metadata:
{"chroma:document": "The main branch on Main Street in High Point, NC has the worst customer service that I have experienced in any bank. Very rarely do they even say hello or thank you when going through the drive-through. Some don't even say anything even when I say hello. On an average, it takes about 10 minutes to do a simple deposit. Went in today to make a deposit and the teller abruptly said she was waiting on another customer and I would have to wait. I made the comment about \"what else is new\" and she did not like the comment and proceeded to return my deposit and was told to come back another day. I went inside to get another teller and to speak with the manager.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65fa0675380a4770b7c257b77836a491
encoding: FLOAT32
metadata:
{"chroma:document": "We opened a Business Account five years ago. When Scott ** became Leesburg Branch Manager the service was AWFUL! The old staff, who were wonderful left & new people replaced them who were lazy, careless & one attempted to cause us to lose money from our business account! CRAZY & CORRUPT? The old saying, \"Fish rot from the head down.\" They need to REPLACE SCOTT ** & services would probably be adequate again. We moved to Bank of Charles Town whom I cannot recommend higher for business, or personal for that matter!!! Bank of Charles Town cannot help enough & have the nicest staff! We love them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39ae6879797240f5938ea16a921f4d74
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{"chroma:document": "Can't get debit or credit card alerts. Since they do so many updates constantly the alerts get turned off and you can't get them turned back on. Example, your payment due reminder, if card was used at gas station or if cards were used. Now I get no alerts at all. Have called several times. The customer service rep first stated there was no problem but yet when you call you get a message that the system is having problems getting you logged in. She stated she would have someone call which she did and this customer service person actually stated it was my browser which it wasn't. I tried on my Chromebook and my their mobile app neither works. So she went in and cut the alerts on on both cards but they still are not on. I have messaged them and no fix yet. Time to change banks. Wouldn't advise anyone to put your money in their bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c3d53db41a54e33944a387e5115029a
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metadata:
{"chroma:document": "I opened an account here and switched my direct deposits and auto drafts over to it. My direct deposits would hit every Friday but would not post to my account until late Monday...so they are constantly charging me overdraft fees for transactions that hit before they decide to make my money available... ridiculous, I'm switching back to a bank that can actually handle transactions in a timely fashion. The point of direct deposit is to be able to use your money ON payday."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23106d58899941368761eb14e8968cd2
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely terrible. My wife wanted to move to another bank and she chose First Citizens. We opened a joint checking, savings, personal checking (for my business), I got a FC credit card and rolled our HELOC all into one nice online interface. I set up auto payments for my CC, autodraft from our joint account the full balance every Monday. I bought some personal items I wanted to pay for out of my own personal account instead of the Joint, so I manually paid the full balance out of my personal funds. Their transaction process is so slow and archaic that it took my payment and then withdrew the full amount AGAIN from our joint account. Branch manager told me that \"the autopay is going to process no matter what.\" So I had overpaid $1,364.00. It took me a MONTH to get credit back into my joint account. Absolutely inexcusable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbf90eabedb849c0bbe14b1a62974139
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{"chroma:document": "I opened a checking account with First Citizens Bank. It lasted two days. When I was unable to login, I found out to my horror that First Citizens Bank closed my account without notifying me. Not only that, they forced me to pay $103.26 to do that. I had to pay for checks I couldn't use, and the funds were not available because the account was closed without my consent. I will never trust this bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a39f301b9a14f5ba8c4b846f6989a23
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{"chroma:document": "They caught someone trying to charge $7000 and sent me a text. I never used their debit card once. I happened to log in to my account and a charge to a charity in FL as well as a charge to a Flower shop were allowed. Apparently, this happens a lot to this bank. The charity refunded my money first, so First Citizens got off easy there. Their money is insured, which they don't make well known. The police told me about their money being insured. I contacted the FTC, CFPB, police, etc., because no one in fraud seemed to be empathetic or bright. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fd4ba06f1a94f24b772bc537f2d08a8
encoding: FLOAT32
metadata:
{"chroma:document": "After 4.5 years as a customer, I received a new $15 fee for online banking. The only reason I am a First Citizens customer was for Free Checking. Customer Service said I could go to a branch and have them switch my accounts to a different online banking system with very little difference with no fee. Could they make it more difficult. AVOID THIS BANK. Worst in class technology and branches closed on Saturdays. Convenience is clearly not a consideration for them. They are so bad, I get my SBA loans through other institutions and just use their checking in case I need a local branch. If they want to nickel & dime small businesses, I'll take multiple accounts and tens of thousands of dollars to a new bank. First Citizens is NOT SMALL BUSINESS FRIENDLY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a339631fe2e64e119090f5cb3416c183
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metadata:
{"chroma:document": "I can't get any support over the phone and continue to be sent to a local office to receive help. Once I drive to the local office, I see a sign posted on the door stating the office is closed due to COVID. I then go back through the drive-thru to talk with someone who gives me the name of the branch GM who can't seem to figure out how to help me either. He is very nice and continues to say he is \"pushing buttons\" and the back office will fix the issue one of these days. Well, the issue doesn't get fixed so I go on-line and am able to create a Bank of America account and all my issues are addressed and solved within 12 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76bfe215ccf340d98c2e82a38769e095
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metadata:
{"chroma:document": "First Citizens Bank purchased the bank that I did business with over a year ago. Since that time, they\u2019ve continued to send monthly statements @ $5 each. I call each month asking them to stop. I\u2019ve tried to close the account-they said my signature didn\u2019t match. My balance has gone to zero, and they had the nerve to charge an OVERDRAFT FEE!!! Once they charged the overdraft fee, they closed my account! (Which is fine because I\u2019ve wanted to close it anyway.) But I shouldn\u2019t have to pay $35 for this. THEY dwindled my account down to $0 and have the nerve to charge me!! Customer service is unhelpful. They talk you in circles and in the end, rob you of your money through a $5 monthly statement fee that they make impossible to cancel."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98504ed57cb449e695335e40002d06a3
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{"chroma:document": "I have been a First Citizens Bank customer for 9 years. I have a savings, a checking and credit card with them. I needed to open an Estate Account for an inheritance. I checked with them to make sure I had all the proper documents. Went to the bank when I received the check and presented my documents. Their legal department balked because the Letter of Authority from the court was not original. Strange because I had the check in hand. Nothing illegal happening here. I went to First Bank of SC with the same documents that same day and opened the Estate Account there in 20 minutes. This is the 2nd time I have been disappointed by FCB's legal department. The other time was for a simple Notarized Signature that they would not do because it was a property sale. Went to the UPS Store and got it. I don't feel like they really want to assist their customers. Apparently, they don't need my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2949f7b658e4347b347ca53651fe42a
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{"chroma:document": "This is absolutely the worst bank ever! My bank account was compromised and I called several times and even went so far as to file complaints with the BBB (they never responded so the BBB just closes your case). Someone was making large payments on bills from my account and FC called me a liar and said, \"Why would someone pay your bills?\" Gee, I don't know? I explained over and over to them it wasn't me and now they screwed up my credit so bad it'll take years to recover. The branch in Brookfield is pitiful and the bank manager doesn't call you back, she just goes on vacation and then calls you back 2 weeks later. I never had an issue with Guaranty Bank and they were friendly. I also reported to the CFPB but, they didn't do anything either. I can't believe they allow this bank to exist."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "As a retired Realtor, don't ever go to a bank branch manager for any credit accounts. They are amateurs. I was produced with HUD statement with three errors on it. Most people would have never caught the errors."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95fe6dca899b46eab6d3b4cbd17e9379
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{"chroma:document": "I'm constantly being hit with over draft fee. I always check the available amount I have before using my card but sometimes they don't add a charge til days later I guess. I went over by 85 cents and deposited money into my acct few hrs later. 5 days after that, they hit me with over draft. A few times I was charged over draft and I added up all the charges and one couple occasions I was not over. When I sent a auto draft out and I did not get the money in the bank in time I was charged insignificant funds fee and I understand that. I did not get the money in the acct in time, that was completely my fault. But when I only go over 85 cents and only because it said I had money in my acct and I deposit my check same day to charge me over $30 is ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 991d3d25b99c4df9950420a53888af3c
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{"chroma:document": "I've been working with First Citizens since the first week of December, 2019. I submitted everything they requested within 1 business day of request. I got all inspections I Was told to get done. My closing was scheduled for Friday, 1/17. On Monday, 1/14, 4 days before closing, First Citizens requested additional paperwork. I submitted it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66d5aeb6c8b0422e982ddd0d3f363f96
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{"chroma:document": "I've been banking with FC for over 20 years. Since I've been banking online I've been hit with numerous fees. I called to complain and out of 5 fees I was reimbursed 3. The other 2 should have been reimbursed but I got 3 back it felt like a small victory. I had one fee reimbursed and 2 days later they hit me again for no reason. I figure it was to get the reimbursed one back. Every time I complain it's always my fault. They also hit me each month with atm fees for using their atms. When I complained the atm fees stopped. This is a very bad bank to bank with. They will hit you with needless fees and there is nothing you can do about it. Bunch of crooks!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dba76464bd9543ae8f8eb7751c2d32f5
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{"chroma:document": "So, First Citizens is literally the worst bank. Normally, if the bank allows a charge to go through and it results in a negative balance you will not be charged an overdraft fee until midnight. Not the case here. This bank will let the charge go through, allow you to straighten out the account before midnight and then charge you TWO overdraft fees 3 days later. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa09c13af6934d72bf35f1021d33de50
encoding: FLOAT32
metadata:
{"chroma:document": "First Citizens Bank purchased the bank that I did business with. The Result: They shut down my Debit Card while I was traveling. Apparently they do not have customers that travel more than 30 days at a time. It\u2019s MY MONEY. But with the purchase I had to follow their rules which required me to get a new debit card. My bank was sold before and I was not required to get a new debit card. I was FORCED to play by their rules to access MY MONEY. ARROGANT! Charges that never appeared on my past statements started to appear. Nickel and dime is how they they expand their revenue stream. GREEDY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65bf8d23f5f049fd8493e148a272189e
encoding: FLOAT32
metadata:
{"chroma:document": "I banked with FC for decades before moving from NC. Because it was no longer convenient to bank with them and the level of service had been declining I changed banks 10+ yrs ago. The following is the 2nd unscrupulous incident I\u2019ve had with them this year. On 9/26/2019 the treasury department on behalf of my federal agency mistakenly sent my travel reimbursement pay via ACH to my closed FC checking account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5682408c33dd48a4a32c55a60c8c575e
encoding: FLOAT32
metadata:
{"chroma:document": "Do not use this bank. They will try to get money from you. We paid our water bill last week and it just now came out of my account today, ending with an overdraft fee. We will be getting that money back, even if I have to fight it in court. This wouldnt be the first time they have done this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b977c66afed46f789650254e72b2737
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{"chroma:document": "This bank makes their money on fees for things you would expect to be part of the package having a checking account. For instance, an online transfer to a previously recorded bank generates a $3.95 fee. Calling them up to dispute the charge results in customer disrespect and of course they will not remove their unfair fees since they obviously make money on cheating their customers. I will never ever do business with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 356c18f23aee43b5aa5c63434914001c
encoding: FLOAT32
metadata:
{"chroma:document": "IF there was a choice for NO stars, that would be it. My mother had been a customer for years. We recently moved, and although we changed her address on line, unbeknownst to us, First Citizen's continued to mail her bills to the old address. So, she never received a bill and did not know she had a balance. Then one day, she received a call from a very rude individual absolutely berating her about non-payment. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 171f3e90374b4ba59f8c19212dfdd6a9
encoding: FLOAT32
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{"chroma:document": "When I first opened the account it was set up wrong. I had to go to another branch who closed that account and opened up a new one. The first account opened the agent asked me questions and that I bet have never heard a banker asked. There was no eye contact throughout the M process. Because the amount of money I was depositing it seemed as though she was insinuating that it was drug money. When I went into the next branch a week later is when I found out that she had set the account up wrong. Because of my experience and several customer service calls that week they decided to give me free checks. That was in August. I guess they are on backorder."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02f35a0c79534646a237d1cde83c7d09
encoding: FLOAT32
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{"chroma:document": "I have had this business account for 11 years. Every since that merger occurred with BestBank they have been inconsistent and really don't know their products. The different branches which are very scattered here in Georgia have different policies per branch as it pertains to deposits. I was told by the customer service center it's up to the branch when it comes to holds. Now I have an established history when it comes to this account and the type of deposits that are made but they will sometimes make deposits available immediately and sometimes just decide to do a 2-7 day hold depending on what the teller thinks. In addition, the phone reps never have thorough knowledge of the products they are discussing and somehow the security questions when calling in keep increasing and changing and don't match with what was on file the previous times I've called in... Very inconsistent and I'm closing the account because of it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7edfc79ef98841379daa917d98f2a50b
encoding: FLOAT32
metadata:
{"chroma:document": "This is the absolute worst bank/branch that I have ever dealt with. RUN from this bank. This branch and the First Citizens Bank allowed a third party company (Paysafe- California) to steal money out of my business account, even AFTER I complained to them at least 10 times. I advised them not to let this third party debit my account. I called their fraud department on July 12 and spoke to them for 45 minutes. I went to the branch in person on July 13th, and I spoke to the branch manager. They did not care and the third party continued debiting my account even several weeks after July 13. The bank staff lied about me and said that I threatened to harm them when I never did, period."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0dfd3463498042d5972ca6c2c6fefb99
encoding: FLOAT32
metadata:
{"chroma:document": "Wouldn't choose another bank, great rate and customer service! Compared a variety of banks and some were close but First Citizens offered to match or lower the rate if I could find one less than what they offered. All of my banking is now with First Citizens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a5e0cc7fb0b439a9f19190578f0d96e
encoding: FLOAT32
metadata:
{"chroma:document": "I am a disabled woman. My husband and I have been banking with First Citizens Bank for a year now. I have received excellent service up until three days ago. An ATM took 200.00 of my money. I reported this to the bank and was lied to and given the run around about my money being returned to me. They are now saying it will take 10 days for it to be returned. I am giving this review because other people need to know about this bank's dishonesty!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4296d10e27e24b969abedbecb688fbc5
encoding: FLOAT32
metadata:
{"chroma:document": "I was a previous Guaranty bank customer of many years and never had one issue with Guaranty. It is almost a year and my debit card has still not arrived. I called explaining that I could not go to a branch as none were now near me since this bank took over and that I am disabled, and so forth, so I just want them to complete the transaction over the phone. I was transferred after a 33 minute with an inept front line CSR who repeatedly (at leas 10 times) called me \"Mrs. Ms.\" - not Ms. after I corrected her the first time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85bc098dd5e64da3b932a9dbd066c252
encoding: FLOAT32
metadata:
{"chroma:document": "I have owned many businesses and dealt with many banks but I must say First Citizens is the worst ever. Their online Customer No Service is amazing how bad it is. You would almost think you have to train to be that bad. Their Customer No Service in the branches are just as bad. Long waits, not enough staff, rude and they don't care about you at all. I don't say these things lightly but you have been warned. If you are looking for a new bank don't bother with First Citizens and go where they appreciate your business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c062bcdaeb7454682b028df4c2540b0
encoding: FLOAT32
metadata:
{"chroma:document": "These people cannot be trusted. They tell you one thing and then act as if they never said it. I had a loan with a balloon payment which they said would be renewed. Exorbitant closing costs were charged, when confronted about this they promised when loan is renewed in 5 yrs the costs would be much lower and would make up for these high initial closing costs. Well guess what? After paying all 60 payments on time not one payment late, we also had a stellar credit rating. It came time for this loan to be renewed and they would not renew in order to avoid charging me less closing costs which they had promised. Had to pay this loan off. You can do business with this bank if you want to but you will regret it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d7211f2bae94f53b67df07abd6cc69c
encoding: FLOAT32
metadata:
{"chroma:document": "We applied online and they took our deposit but 8 days later they still haven't opened the account. Now they're telling us it'll be 5 more business days until the money will be refunded. Unacceptable!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4fa837ae17b4338b48e4b302fcf7ad5
encoding: FLOAT32
metadata:
{"chroma:document": "If I could leave 0 stars for this bank I would. Looks like someone else had a similar experience. Years ago I had a business account with this branch for my car dealership for all of 6 months before I had to switch to a different bank. I had an account with BB&T previously and felt lost in the shuffle of a big bank. First Citizens was closer to my business and I felt I would be better served at a local community bank but I was wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a7ebd2484da49c396b7eb4cfe537fae
encoding: FLOAT32
metadata:
{"chroma:document": "Before First Citizens bought out Guaranty Bank, I was a satisfied customer of almost 20 years. Since First Citizens took over I am getting bombarded with overdraft fees. One thing they do is they take out the debt first then they put in your deposit, regardless if you deposit cash before the end of the day when the pending debts come out. Today, I can see that I was in the positive but customer service is insisting my balance was negative $1.50. From what I see online it was still positive until the overdraft fee. I cannot close this account fast enough."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1c4afabd4f64023a91afb0916b3bb13
encoding: FLOAT32
metadata:
{"chroma:document": "Overdraft fees! When opening an account you have options and they go over certain things with you. As such is overdraft protection in which I've declined. After reviewing my online account I was charged (Two) times of $36 each in fees on top of the (Company's) auto pay amount which should have declined the auto pay. Instead FCB picks and chooses which items to declined and to accept an overdraft for then charges me this fee. So how can they charge me for something I've declined but still allow to process through to my account when I don't have the funds in there? Scam... "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2609ba27dac544289bf9f04f6791093b
encoding: FLOAT32
metadata:
{"chroma:document": "Aggravating and inconvenienced - I was at the drive up teller and instructed to come inside to cash my check. The check was written from their establishment. Once I entered I asked why I had to come to cash the check. She said it is a convenience for their account holders and non-account holders had to come inside."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a18ecf46c1a40028675d53a74c44de8
encoding: FLOAT32
metadata:
{"chroma:document": "I made my first payment over the phone and I paid extra and wanted the extra to be applied to the principle and I stated this three times because I wanted to make sure that they were doing that and I call today to make my second payment and they state they cannot apply it to the principle over the phone and I am very upset and wish my loan was not through them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36574f06d6324b63b68735312a1b3c20
encoding: FLOAT32
metadata:
{"chroma:document": "Do yourself a favor please. Please do not bank here. I have worked for JP Morgan Chase and never in my life have I had overdraft fees, I am 34 years old. In the last 6 months I have paid $700 in fees. If I pay my bills through the account it takes 10 days! For it to go through. I honestly believe that this bank has some algorithm issues because I will have funds in my account and as soon I'm close to very little funds EVERYTHING magically gets processed. Let me say this again, it take 10 days for transactions to clear. Also if I make two transactions for instance one at 10:00 am for $30 and one at 11:00 am for $10 (and I have funds in my account) the later transaction will go through immediately but the first transaction goes through 10 days later."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21616618e4f1401dad30c58a7dc04a85
encoding: FLOAT32
metadata:
{"chroma:document": "Please never bank here. They stole 600 dollars from me in the course of a year. Closed my account without telling me. Gave me mysterious charges after the account was closed. They don't communicate well at all. The tellers act like they can't pull information up even though I was told on the phone they could. And to top it off they make and act like it is the customer's fault. I wish I could sue. 0 stars if I could. Also important to note I've been with this bank since I was 11."}


