# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8ad2b47a0cd4ad38adcc32e13d92f18
encoding: FLOAT32
metadata:
{"chroma:document": "I've seen this in other complaints as well. I deposited a work check on Monday and here it is Thursday now and the hold is still on my account for the funds. I checked my account this morning and it said a negative balance of the check I deposited. Definitely not depositing any more checks with Citizens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49647026605d45a7a1be5617f1af5ccb
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer with the Citizens Bank on College Street since January 2012. I found most employees very heartless and unappreciative. Up until this month, they were charging me three dollars on top of what any establishment would charge for my debit card, sometimes five or more, and when I would complain to many tellers or supervisors they would not care less. I would keep my slips, and do math and the statements made it look like they were taking out less fees than the slips I would keep. Anything I would ask for they would deny since 2012. There were times when I did no business and I would see many unnecessary charges. I figured out they were fleecing me for at least fifty dollars a month out of 900$ disability."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f85516bee3d46b68773bcb2fb00be1d
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give 0 stars I would. This is by far the worst bank I have ever dealt with and I have been around. I will list in order the problems of this bank. 1. Time it takes for anything to post/clear. If you deposit, use your card, transfer money to/from, the account will not update for almost 3 days. THREE DAYS. The popular banks will do this instantly. This requires you to constantly have to balance your checking account by memory. I had paid rent with my checking account, and it shows nowhere in any of the transactions that this is pending, or sent. I was unsure if I actually clicked paid on the rent web page, so I sent it again. Guess what, it sent twice now. 3 days later I finally see this in pending, and they charged me twice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f18453c322647adae17e7a45590b188
encoding: FLOAT32
metadata:
{"chroma:document": "I been with Citizens for 13 years, I had a 7.99 purchase for Hulu that came out, the fact that they charged me an overdraft fee for 35, then another 4 30 dollar fees. Needless to say I will be closing my account. They are the worst bank I have ever dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73b304b629b84138aa6178edb08fa4eb
encoding: FLOAT32
metadata:
{"chroma:document": "17 hours ago. 9/27/2018. I Changed to Citizens bank a year ago, because they were closest to home, and since my branch was in a Supermarket, they were open more hours. That seemed ideal @ first. Citizens always credited my check deposits next day, as is their policy. This week, I deposited a check for five hundred dollars, The teller was polite, and told me that the funds Would be Available in the morning. It was my intention to purchase a certain Pallet of roofing shingles. The following day, the deposit had not shown in my balance as promised by Citizens. I called the bank and was told that they, once in a while, pick random checks and can hold them for a week if they want too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ab2aaa826524853a195f801e0fb7052
encoding: FLOAT32
metadata:
{"chroma:document": "They charge NSF fees when they decide to put through all the debits before any credits. All very convenient for them. Will never bank with them again. Charged 3 NSF fees and then charged 3 more \"sustained overdraft charges\" in the next 7 days. What!!! Ridiculous. They then refunded the 3 NSF fees but left on the sustained overdraft charges. Obviously they are admitting their wrongdoing if they're refunding. So what gives?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcd8d9f406634910a5fddfba511e6837
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with Citizens Bank since 2014. I requested my account to be closed because I got tired of paying $100 whenever either my $11.99 Netflix account or $19.99 gym membership would automatically withdraw at times when I wouldn't have the balance available. However, my direct deposit has always been connected to my account so I figured \"What the heck, next time I'll make sure it wouldn't happen. I'll pay the overdraft fee\". Unfortunately, I get paid biweekly so I would be charged $35 for the overdraft fee then an additional $30 every few days. At times I would be charged I total of $100+ for a negative balance of $-4 to -7. Which I would find absurd. Finally, I got feed up after going through this every few months, and realized I was paying the bank to hold onto my money. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75cf8692b9d84a79a62367cba59727a3
encoding: FLOAT32
metadata:
{"chroma:document": "Had the displeasure of speaking with Brandy who claimed she was the top manager available to me out of the Pittsburgh Office - but that she could not give out the business address. That gave me a good laugh. Probably she was sitting at home in her PJs feeling important. Anyways I opened a checking account in conjunction with a Personal Loan I took out. Obviously, I did not need the account but it promised me a lower interest rate. I placed a minimal deposit. At no point was I directly informed that there would be a service fee or that to avoid that service fee I needed to make any amount deposit each month (literally .01 cents would have sufficed). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d92b1e9074294006a6d444ed8d6b874a
encoding: FLOAT32
metadata:
{"chroma:document": "I received a letter from Citizens stating an address change was made which I had not authorized. The letter stated I should contact Customer Service which I did immediately upon receiving the letter. I spoke with \"Jennifer\" and asked to change the unauthorized address change back to my home address and was told they couldn't do it unless I wrote a letter. I asked where the authorization was from originally and they said a Post Office change of address automatically changed it which I had not authorized. I asked for a supervisor and was on hold for 7 more minutes. I was then told by \"Latwan\" they would not put my correct address in the account. Then I was told someone else would call me in 1-2 business days. Meanwhile my address is still incorrect and secure bank information is being sent to the wrong address and they won't fix it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0376dd669a249859c92c6237b1f8ef8
encoding: FLOAT32
metadata:
{"chroma:document": "I'm 3 months into banking with Citizens and I hate it! Their online banking app is deceiving. It does not reflect your correct balance especially if something is paid on a Friday! Usually banks show pending transactions right away and post them Monday. Nope! Not Citizens. I paid my credit card off Friday and it's Monday. Not only does it NOT show any pending transaction of any kind from my credit card company and reflecting the wrong available balance for 3 days, I called Citizens and they said it dont post into Tuesday! The reason I hate that is I was on vacation. 2 weeks ago when I got a swiped my card for gas before we left (Wed) and when I got to hotel... my online banking said I had $232 so after I paid hotel I shoulda had $2 until I got paid FRIDAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d06f30dda72e4fbf99a52195108eaa0d
encoding: FLOAT32
metadata:
{"chroma:document": "My Grandfather started a savings account for myself and my little sister back before he passed away. Over the years my account has steadily grown but at some point in time Citizens changed the terms of the investment without my awareness or approval. About a year ago I noticed that they were now charging us higher annual fees, so much so that the value of the account was declining. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c32183c6e6c747519dc308ddba0c1094
encoding: FLOAT32
metadata:
{"chroma:document": "I'm nearly 60 and have had many bank accounts over my life, both personally and for 3 businesses that I own. I have never dealt with any bank that charges such fees. They charge overdraft fees when nothing over drafted! For example, if you have $5,000 in your account and pay a bill for $2,000, but there are bills lined up in queue for future dates that have not been paid and the money is sitting in the account they consider that an overdraft! Even though another deposit was made well before any of those bills were up to be paid. Nothing ever bounced, there was always thousands of dollars in the account but they charged me $117 in overdraft fee in anticipation that something could but didn't bounce! Citizens bank has done this numerous times. I'm looking into other banks and switching but I wanted to share this with others. Stay away from Citizens Bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08074fd81a824cc4855e088c9b4b0fdb
encoding: FLOAT32
metadata:
{"chroma:document": "When I opened my account, there was a promotion stating that I would receive $200 if I made a direct deposit of $500 or more within 60 days. The deposit was made so I call after a week to find out if the bonus would be credited to my account. After being on hold for an HOUR, I\u2019m told that he looked in their system and no such promotion exists. I told him I had it screenshot where it said that it did. He put me on hold for another 20 minutes and came back and told me that the promotion already passed. I told them I read in the fine print which I also have screenshot the dates that the promotion was good through and I did in fact open it in time. He put me on hold for another 15 minutes and when he came back he basically told me he had no idea what I was talking about. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c6a6a6bc14f411c8392ebfc6d44d8a6
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited $400 into my account to start using it. After making purchases, I saw that my account was at $81, and all my purchases were pending and on the account. Knowing this, I pulled out $40 from my account. Two days later, I get a call from my husband that our account was overdrawn. After calling the bank, and sitting on hold for 30 minutes, the CSR tells me the final purchase I made hadn't in fact posted to my account, so when I withdrew money from my account, I went over $16, and they charged me a $35 overdraft fee for a total of $51 overdrawn. I told him my account had already shown the purchase posted, but he acted like I didn't understand how overdrafts happen. I called back because he told me that there are two balances, your account balance - and your available balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 465f5b30511e4bc1a8986c119986157c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to contact Citizens Bank concerning fraud on my debit card. I have spent over an hour and a half trying to contact them and I have not resolved my problem. Yesterday, I connected with them after waiting 30 minutes on the phone and they said they could not hear me. Today, I connected after 15 minutes and talked to a rep. Then, she passed me on to another rep and had to end the call because I was waiting for over 25 minutes. This is crazy!! How can such a reputable bank do this to their customers. I am going to shop for another bank!! DO NOT DO YOUR BANKING AT CITIZENS BANK!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be92fdd9f3764ace9589c8c1a81df8e5
encoding: FLOAT32
metadata:
{"chroma:document": "Bruce Van Saun and the executive team at Citizens Bank are criminals. They use advanced algorithms to reorder transaction history, in consequence creating frivolous overdrafts fees. They will even rationalize such by stating \"we reorder transaction history to ensure your largest purchases get paid first.\" Example of how this transpires: Let's say you charge 8 items on your debit card, on a Friday. Those 8 items leave your account with x amount in positive funds. Monday morning comes around, and a housing payment goes through, rendering your account negative, let's say by 1 penny. They subsequently reorder the 9 transactions, 8 on Friday which should not elicit an overdraft, and the one on Monday, which should. Now all 9 are assessed an overdraft fee, in the amount of 9x $35 = $315."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6f8378e074849baa23098973af11b4d
encoding: FLOAT32
metadata:
{"chroma:document": "They are charging me overdraft fees for no reason, the first one I noticed was via text stating I was overdrawn, go in my app... $-3.14 after they took out the $39 fee. That in no way makes any sense. I would have had $35.96. Then it happened the next day... That was my business account... Check mine and my husband joint account and they were charging him fees too! We never noticed because he had the money to cover it without notification... They also with these fees do not send out letters like they do for legit overdraft charges. The company should be investigated!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 766330c5f77a4cbe8ef406e3fc9259f5
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank is abusing people freedom and rights. I'm out of country just now I find out when clients of this ** bank who are out of country they have no access to their accounts. I spend two hours on phone with idiots from this bank who told me it must be my computer, they make me delete stuff, change settings, and after 1.5 hours they said, \u201cOh we forgot to tell You the bank changed the policy now outside USA, You cannot use online banking.\u201d That is the bigger abuse I got from any bank in the world so far, now if I want to check any transaction or even check my balance I have to call the ** bank and pay $0.50 /minute. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd94e9048c9f4321b9120842022c2913
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible customer service. Every month I send them my regular car payment plus an additional $1000 to the principal amount. This month the person applied the entire amount to the payment and after multiple calls to them no one has fixed my problem. Finally they reversed the charge and applied the ENTIRE amount to principal only. And now I am getting frustrated with getting that fixed. I'd much rather pay a point or two higher interest rate instead of dealing with these incompetent, unprofessional employees that they have."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1ea4df36d8840bca26c34c52957d577
encoding: FLOAT32
metadata:
{"chroma:document": "So we had been account holders for almost 20 years. We also bank with a credit union in the northern part of the state. To make a large purchase I wrote a check for cash at Citizens using the northern bank. The Citizens teller had to get approval and after quite a few attempts finally located someone on the phone. The approved told her to confirm that funds were available in my account at the other bank. No problem. I provided our account number and their phone number. She called and was told that there were sufficient funds to cover the check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f50f294f93a24cc0b2d10182eef8ecec
encoding: FLOAT32
metadata:
{"chroma:document": "I had been banking with Citizens Bank over 10 years until about a month ago. Over the years, and I have over drafted the account before. Whenever this happened I would receive a notice in my email and recently, in late 2016 I signed up for text alerts for the account. Nothing has changed in my life that would make it hard to communicate with me. In the past if said account was over drafted and I did not remedy the issue within the same business day a fee would be charged, I remember the fee being $25 for each day in overdraft."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 226c14d96a29414c811e1c652e16bb2c
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has horrible Customer Service! I had an open checking and savings account for the past few months with Citizens Bank. Apparently there was a balance from a 2015 account that they collected on, without my knowledge. This was taken out of my account at the SAME time as when I paid a bill, therefore causing my account to become overdrawn. Now they are charging me overdraft fees for something that they caused and won't let me close the account so they can keep adding fees. Worse bank I have ever dealt with and did I mention their customer service is awful, they are rude and don't have a clue what they are doing or which dept to send you to, etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b34d6cf921046b396c0f43239124426
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a 20 year customer with this bank, from their start up in our state. That\u2019s called loyalty. Something no longer appreciated at the top echelon of businesses anymore. I initially liked that the bank was local but could service me regionally when on the road with business. I have had it with this bank. I am done. I have multiple accounts including a business account, and have experienced the worst customer care. Citizens seems to have a constant turn over of bank and call center managers, supervisors and workers so there is never one person that gets to know who you are. Plan to take off an entire work day if there is a problem and to be on hold forever with customer care. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4e690a492034e6b8f36c0dc687f6fe1
encoding: FLOAT32
metadata:
{"chroma:document": "About 2 weeks ago I opened a checking acct. here. They went over all the rules/regs/fees with me and I agreed. The rep asked me if I wanted checks. and I said that I rarely use checks because I just use my debit card. He then asked me if I would like \"just a few checks to have on hand\". I shrugged and said yah, I guess that would be good. He never said that by saying that I would be charged $9.99 for one book of checks. During the next week I withdrew some cash leaving a balance of about $5. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a03dc1a5f3144728ae14fbdaf7c0429
encoding: FLOAT32
metadata:
{"chroma:document": "For the past year my fiance's payroll check has been going through every Friday morning, over the weekends we would pay our bills and do our shopping like normal. Never any issue. Well this past weekend we had a total of $503 after a check was deposited. We spent a total of 425 over 6 different transactions. We did end up over drafting on Monday by $96 including a $35 fee which we had intended to bring current Tuesday. By Tuesday morning I discovered our account was negative $306... They are trying to charge us overdraft for the 6 transactions that were covered by the money that was deposited by his check. This is an outrage!!! I will be looking into filing a lawsuit, and will definitely be switching banks once these charges are fixed!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c95117c3321541968b7b621ce36322f0
encoding: FLOAT32
metadata:
{"chroma:document": "Do not bank with Citizens! I've been a customer with them for over 10 years and today learned they wiped out my account leaving me with $50 to survive on due to being late on my student loan payment. I called in advance to inform them this month's payment would be late (after paying consistently and on time) but they still took the money AND my monthly payments are $150! I called to explain that $50 is not nearly enough for me to survive on for two weeks and they basically said \"sorry.\" As soon as I am paid again I'm withdrawing all my funds and moving to another bank. If I had not taken out cash yesterday for other purposes I would have no way of getting through these next two weeks. Inhumane practices and sub-par customer service, at best. Stay away from them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b4ca231bae143bfb554aac588d9f17e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been banking with Citizens Bank for over 4 years, and have yet experience anything positive with them. My latest disappointment is how they are handling my \"account takeover\" (fraud) situation. Two weeks prior to the incident taking place, I had to call in and replace my Debit card due to a fraudulent charge to my account even though the card was in my possession. At the time of my call, they only ask (for identity verification purposes) very minimal questions, super basic. Two weeks later, my account was hacked and looks like someone called in pretending to be me, created a whole new account and took out a bunch of cash from several ATMs. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c167a5dd06f4da5bf44520beed4b1ce
encoding: FLOAT32
metadata:
{"chroma:document": "This bank took $700.00 out of my account because of an error with Zelle. I spend over 2 Hours on the phone with them. They DON'T have any explanation about where the money is. They only tell me it take 52 hours to come back into the account. Sam ** is the worst customer service manager! This man was rude and has no business calling himself a manager or supervisor, he should call himself a **! The best part is how when you try to complain online, it will not send it to customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f4db08b02204aa288b43380e87ba0d3
encoding: FLOAT32
metadata:
{"chroma:document": "I made a claim for the first time since 1999 when I got my account and the claims department was very nasty to me. The lady asked me am I sure someone used card. I told her it was a fraud charge cancel the card send another one. Why would she make that type of statement. I spoke to her manager and she agreed that she shouldn't have said that to me. They act like it's their money they are using for the claims. Why do they care? They have insurance on money for fraud incidents. I called another day to ask about the claim and I got the same lady and she said how did this happen. So I take it she does that to all claims callers. This is sad and I will cancel my card and account. I will not be treated like this and I am the victim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfb7f7c4be5e4ac690dfa9dbee926db7
encoding: FLOAT32
metadata:
{"chroma:document": "I was very happy with Citizens Bank for my mortgage until (post divorce) I went to refinance. First, I refinanced back to 30 years to afford the payments (17 years ago). Then, 7 years ago when interest rates went down, I tried to refinance from a 6% mortgage to a 3.5% rate. They turned me down!!! I was good enough, despite my low income, to pay 6%, but not good enough to pay 3.5%. I was furious!!! Three years ago I found another financial institution with a great reputation, and they accommodated me. I paid off Citizens and took my business elsewhere. Overall, I really like Citizens Bank, but turning me down, esp when I had a great source of equity and an excellent credit rating made no sense. Shame on them. I will even pay off my mortgage ahead of schedule."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4749efda95d47c990ff1d8b22440347
encoding: FLOAT32
metadata:
{"chroma:document": "My car loan was through Citizens Bank. I was always on time with all my payments because it was being automatically taken out from my checking account. I thought my loan was already paid off but it was not. I got a phone call yesterday stating that I have never made my last payment and it reported to the credit bureaus because I was over 90 days late. She stated that the last payment has to be manually sent in which I was never informed before. I even called in before it was paid off to ask how will I be receiving my car title after it\u2019s paid off but that representative never mentioned to me about the last payment has to be sent in. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87aba7ae727d401b8ce088bae6e467c7
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank. It's all about the customer. They're available 24/7. They communicated with realtor, title company and me. Never missed a beat. Excellent service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8cae08a5ea54c72be0e9fd7b4b3cbf1
encoding: FLOAT32
metadata:
{"chroma:document": "In spite of a lawsuit for overdraft fees in 2012, they are doing it again. Not processing deposits while processing fees. In 45 days, they assessed me more than $800 and processed fees before the deposit to do so."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79ea4aaa73de4153874203ed86f77561
encoding: FLOAT32
metadata:
{"chroma:document": "I overdraft my account 7 dollars. The next day I put the 7 dollars back in. My account was good after that. 2 days later it said negative 69 dollars like where the hell did that come from? Dont make sense. I gotta pay 69 for 7 bucks. SMH. I'm not paying it. They better waive that or close my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66a2cc5f7b7242f18b2f8b178ebf4fd0
encoding: FLOAT32
metadata:
{"chroma:document": "I received 11 overdraft fees in one month. 7 came in one day while I was on vacation. I never got any notification. I just kept getting charged. I\u2019m going to get a mortgage and I never overdraft in my account. It\u2019s going to be tough to explain this to a loan officer. I been banking with Citizens Bank for 10 years and they only offered to waive 3 of the fees. I think it\u2019s wrong that they keep giving you fees for buying a small coffee. Why should a coffee cost 35 dollars?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa7652e9c499495fa5f657d75fe8b5c5
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{"chroma:document": "Citizens Bank is the worst bank that I have ever dealt with. I made large deposit after speaking with rep. Made large deposit took three attempts to checks right. Attempted to clean up liens on home that were already paid. It's been one week and find out Citizens wrote down incorrect number book/volume. Still waiting for them to fix it, told they have to investigate. I will be withdrawing all funds from this bank. Also they charge family members $8.50 a check when you write them out. Don't use Citizens. You will regret. I gave them several attempts to fix problem and it still is not fixed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0dfba10c1bb4beebbe8d324370b08ab
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens opened a checking account in my name without my knowledge, the account was attached to a scam artist tax preparer, who opened this account without my knowledge, he used a email address that he created with his own telephone number on account and signed my name on Account! He apparently opened account in a Acme store location! I was just made aware that other Banks are involved in class action suits for being involved in the same behavior of opening accounts without person's knowledge! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d06598b789ac4460a033295e6dbaa92a
encoding: FLOAT32
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{"chroma:document": "I was a customer for over 10 years. The advertisements for this bank state \"no minimum balance\" and \"no monthly fees\", these statements are untrue. This bank has taken over $120. on 2 separate occasions due to my balance getting close to a .65 balance. Within 24 hours of the balance being so close to $0, I was charged $42, another time last year when this happened I was charged $42. and it doubled because I did not catch it within their 2 week cut off, another $84. I was told it doubles every 2 weeks, so if I had not caught it, it would have been $168? I had 2 checking accts and there was plenty of $ in the other acct., but they do not help you by transfer, to not go to the under $1 and again NO loyalty such as a phone call or email to give a heads up, like in the old days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23128c0e51c6489e8e7015af08133bc7
encoding: FLOAT32
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{"chroma:document": "The bank automatically enrolls you in Overdraft Protection with a Line of Credit. Even if you have two accounts, they don't link those accounts together so any overdraft is taken from the second account. If you accidentally overdraft an account, you get a Line of Credit \"loan\" which they then charged you 22% interest rate on monthly. There is no notice that you have overdrafted so these \"loan\" payments continue until you notice a ding in your credit report. It is not even clear online what is happening and you can't even pay off this \"loan\" online if you wanted to. This has happened twice to me now. I swore that I cancelled this \"feature\" the first time it happened to avoid this, but just realized it happened again when my credit rating took another dip. The first time this happened, I called the bank and they told me to write a letter to the manager of the branch where the account was opened. I do this, but received NO REPLY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 907cabaeebc246e391fc60b9dd82e69c
encoding: FLOAT32
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{"chroma:document": "I have home equity line of credit with Citizens Bank, they decided to raise my interest rate without the Fed raising the prime interest rate. I called the Bank after being hold forever, I was told Wall Street Journal made recommendation. DO yourself a Favor and Bank somewhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c62841c4c464599974c0668f377482c
encoding: FLOAT32
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{"chroma:document": "While I made a grave error in judgement your fraud department officials should be fired. I realized my problem from the first time but cancel all accounts (after thirty years) because of single returned check afterward is I believe is really just in necessary and quite frankly a mistreatment of power. I wish I had that individual in front of me because he or she has a real power trip complex. To close the accounts of someone who has over $300k investments with your organization is obviously not important to you or your investors. I did a review of your bank's satisfaction and it is obvious your president and CEO is out of touch with the real world. I don't usually make such posts but felt compelled to do so because of your treatment of me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8a3b4d2a44f4231a6ea40f8da1be71a
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{"chroma:document": "I opened an account last year with Citizens Bank in Dudley branch and few months later there was 500 withdrawal out of my account on Feb 2017 - apparently someone walked in and the teller gave them $ 500 out of my checking. I called and explained to them that I only opened my account there. I never walked in ever since and how is that someone is walking in and able to do a withdrawal? They apologize and stated that they investigate the situation and credit my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af2be561e25e4a16a1d065eb540b697a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Citizens Bank for quite some time and other than their oft-complained about overdraft policies, I have had a relatively good experience and like the staff of my local branch. However, the reason I am writing this review is that all of that has since changed. I originally opened my account following a divorce and should note that I am a single father to a two year old little girl. I was also unemployed at the time, but still frequently used the account. I have recently started a new job and after working for the first month I was issued two corporate bank checks to deposit until my direct deposit becomes effective at the next pay period."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d430fd03a54243d0b021a5156c523fd7
encoding: FLOAT32
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{"chroma:document": "I own many rental properties and have had over 20 mortgages over the decades. I have dealt with many different banks for this. Citizens is the worst by far. Incorrect insurance amounts being paid out of escrow accounts wrong, year after year, they have missed paying property taxes out of escrow accounts at times, a total pain trying to get mortgages paid off early, you can not go into a branch and do ANYTHING with your mortgage as far as paying it down or getting their screw ups corrected, statements come saying the it is auto paid from an account (as is suppose to be) and then followed up with a letter saying you have not paid it. Nothing but constant babysitting their terrible bookkeeping. I quit dealing with their mortgage department 6 years ago and in the middle paying off the last mortgage (24 early) I have with them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d89b7f79912445d48f8d690dfbb97d39
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{"chroma:document": "I applied for a personal loan and was approved. Provided all documentation and signed all the paperwork and downloaded the same. Waited a week still no deposit into my Citizens Bank account. I logged back into the website that I filled out the paperwork on to discover that my loan application had been declined. I have been banking with them for over 15 years, have 3 accounts with them, have an 806 score. I also have their credit card which they have never reviewed for a credit line increase ever and I can't use because it has such a low limit that if I spend over 100 dollars on it then I'm at 10% of my limit and it negatively affects my score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6c2abb7ea60483291fa3b1874c73819
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a client of Citizens Bank for more than 10 years, and they've been progressively going downhill for years. They are one of the most technologically-backward and deficient industry. Their website and app are routinely atrocious in their usability, including randomly not accepting your password, even when you've not changed it, forcing resets. I've probably had to reset my password at least a dozen times in the last six months alone. Their customer service reps are frequently a range of useless, to unhelpful and rude. Their basic and mid-level accounts have few if any perks to them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f2d76a9eeec4f5c91744634e9690b01
encoding: FLOAT32
metadata:
{"chroma:document": "On 3/1 I accidentally used the wrong card to pay for an item via PayPal. When I noticed on the 1st (this is not my primary account, though I was planning for it to be... definitely not now), I attempted to make a payment with the \"express delivery option\" to cover the amount, but the website kept giving me an error message telling me the dollar amount format was incorrect. No matter how I formatted it, I kept getting the same error message. I emailed customer service to let them know about the issue with the website and was expecting a quick reply given that I was trying to pay them, but I have so far received NO REPLY to that communication at all. Calling didn't seem like the most reasonable move, since I doubt it would have been any easier to get in touch with the IT department via phone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b66208f14524cd3ad1b585913a04e93
encoding: FLOAT32
metadata:
{"chroma:document": "They can set up any account for you within minutes or even hours, but their fees are insane. There\u2019s no loyalty for their account holders. What sense does it make to charge a NSF fee, then additional fees each day your account is negative? If for some fluke or odd reason the account holder falls on hard financial times, the account goes into a negative, then Citizen Bank will access a fee EACH day the account is negative! What goes on in the minds of the board to think \u201cwhile the account holder is negative, giving them more fees will help him or her to crawl out from the financial hardship faster.\u201d WHO THINKS OF THIS NONSENSE!!! How does assessing more fees on top of fees makes sense!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b54a250c6c74445ca7c34b9c572328ef
encoding: FLOAT32
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{"chroma:document": "Citizens did not have my current address on file so I did not know my mortgage amount changed at the start of the new year. I have bill pay set up and sent out the payment for Jan 2018. Because the payment was less than due they refused my money. I did not know this. The only way I found out is that somehow they knew to send my check back to my current address which I received yesterday. I called immediate this morning at the start of business and was informed that I was considered late payment and they sent a ding against my credit. When I asked to address this, they said I would have to take it up directly with the credit agencies. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 586a83705fd9409497038391b83aa4e9
encoding: FLOAT32
metadata:
{"chroma:document": "We have been loyal Citizens Bank customers for 15 plus years. Overdrafted our account twice in those 15 plus years. I messed up on my check deposits and withdrawals. They charged me 3 times overdrafts this time around and will not even budge on refunding one of them. Imagine being a loyal customer all that time and dealing with them not offering any help at all to you? Alexandra ** manager accounts support department was rude, not helpful and did not care that we were loyal customers for so long. We will be closing our account with Citizens and going to a local bank. I would not recommend Citizens. They treat you like a number not a person."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b1907e27f77440f8e6b73051cdcc280
encoding: FLOAT32
metadata:
{"chroma:document": "The worst customer service. After becoming a victim of fraud and trying to get things resolved I must have hit every wall imaginable in regards to getting my account in order. It took a month to get my account closed and reopen a new account. During that process they never sent a new card. I had to request a new card 3 times. They sent the pin code but no card. I was never reimbursed for the fraud and lost a large amount of money. The customer service was sleeping on the phone, never filed the disputes properly and was told a number of different stories. I wrote down every person's name and number after every conversation. When I called back I was told that person didn't work the department or there was no person by that name. Now that I've been disputing the fraud charges for 6 weeks they say there is nothing they can do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2af094ff3d1941c78d52c3a1366a7b19
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metadata:
{"chroma:document": "Citizens Bank has been the worst bank I have ever dealt with in 30+ years of banking. They were very quick to get us in the door to work with them and offered all kinds of incentives to join their bank so as a small business owner who was looking to partner with a bank, we went with them. What. A. Mistake. It is a very long story and I don't want to bore anyone with the details but Citizens almost caused a small thriving trucking company to close down. Thank goodness we had a savings account (with PNC Bank) to keep us operating while we fought with Citizens with no cooperation whatsoever. So, we moved all of our banking to PNC and closed every account we had with Citizens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b1e57dc4a8a4c208bb8dce40aecf8fd
encoding: FLOAT32
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{"chroma:document": "I've been banking with Citizens Bank for 10 yrs since I started my first job and I never had a big issue or at least what I thought wasn't a big issue. I literally got charge a $35 overdraft fee for my account being -.16. Now I called months ago to know what the overdraft policy was because I gotten mixed info from a representative at the actual bank. So I call in and get some help. I was told that if my ACCOUNT was over 5.00 that I would be charged a fee not the item. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2eb43b6d9acf435c9ef3bd57405d6ca8
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{"chroma:document": "I applied for a personal loan, it came back as Denial Letter. The reason is * the debt to income ratio reflects excessive obligations. So I called the 1888-333-0218 and asked the simple question. If I provide rental income over 75k, my income is 54k a year and I applied as debt consolidation loans why will my loan be a denial letter. (By the way my credit score was over 800.) She said, \"If you put the money in your account we don't know if you will pay off your balances.\" \"Ok, do your bank not pay off the debt?\" She said no. Citizens Bank please put on your website you DON'T payoff debt if someone applied as debt consolidation. If I know that I would not apply with your bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b351fc9a2bf74f1cb5e9ed24a0495d2c
encoding: FLOAT32
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{"chroma:document": "My Dad used to bank there in Pawtucket, RI. At that time, it was a nice hometown bank. Later they got so big, bought out by Bank of Scotland, that they bought our Charter One in Ohio where we had an equity line of credit. It was convenient over the years for us, but suddenly Citizens bought them. Immediately, they terminated it and charged us to close it out. If you don't pay the charge, they keep a lien against your home. They were really mean! We were told by the manager at our local Citizens bank that we could do nothing about it. Well, just like food you buy, you can do something about it, don't use their services! There are many other banks and credits unions that have helped us out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 901d5ce2eae54a219cf1e27bf024ebb4
encoding: FLOAT32
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{"chroma:document": "My son made a bid for a NYC condo and had a pre-qualified mortgage with another bank. The condo owners required we take out a mortgage with Citizens Bank, because they had \"approved\" the building for mortgages. Our lawyer found too many red flags with the condo association including a 2.5 million dollar loan which they wouldn't explain and a lawsuit against the builder who renovated the building. Citizens Bank asked me to co-sign the mortgage to make sure he got the loan. I was hesitant giving a bank we didn't work with my tax returns, but did so."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec2c67fa447e4d6d868cac0fb30e8d15
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank ever. Just keep adding fees and overdrafts. Don't. Notify you till 2 weeks later. That they charged a fee then add another fee. Crooks. Should not be in business. They just. Steal your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2cb79b32f7354baba891e9ecee4181d4
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{"chroma:document": "My husband and I have good credit and we always pay our bills on time. We received an offer for a personal loan which we were going to use to consolidate some bills. We supposedly were approved for up to 50,000 but only asked for 10,000. We were pre-approved so when we did the rate check it did not affect our credit rating. For some odd reason when the loan went to be approved it was denied. So now it will show up on our credit report and affect our credit. I did some research to see if this is all legal and what I found is most times that you are denied for a pre-approved loan is because you did not respond quickly enough to the offer and perhaps something involving your credit has changed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f329b44334e84ca08e63b4e7402165ad
encoding: FLOAT32
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{"chroma:document": "This is for Boylston St Boston branch. On January 2, 2018 I realized I was completely out of checks despite having submitted reorder form to a teller a month earlier. I was upset as I could now not send out checks on time and requested some temporary checks but was told that could not be done. The acting mgr Mike said he would put a rush on new order of checks and they would refund the charge for all my inconvenience. He directed me to bring in the statement when the charge of $58.88 appeared and they will remove charge. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d0379f72fed4b128ed2dfdbf69872dc
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m definitely considering a lawsuit at this point. I\u2019ve had too much taken from my account, from the hands of this Bank. Citizens literally withdrew over $3000, out of my checking account, without my permission, causing, my already scheduled bills, to be returned as unpaid, and now states that I had \u201cinsufficient funds\u201d. The statement on their website doesn\u2019t even say what the withdrawal was for - it says, \u201dCitizens\u2019 Bank DEBIT MEMO\u201d. Can\u2019t wait until this bank is opened today! I\u2019ve had enough of them stealing the money out of my account. Citizens Bank just \u201chelps\u201d themselves to their customers' money. Word of advice to other consumers - this bank has mystery charges, and they will take any money that they can from you, without notification, sending you into negative balance, so that they can collect more \u201cfake fees\u201d from you! RUN, run, run!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db4dd1b691db442fb7740578061becb0
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{"chroma:document": "First off, I opened my bank account online. Because I didn\u2019t open my account with a balance initially it was closed (I guess I took too long) and I had to go to a local branch. I did. Reopened my account and made a deposit. The teller and I reviewed some paperwork. I signed and that was the end of that. When Friday rolled by I went and deposited my payroll check. Not aware of this \u201c25 day grace period\u201d. So, there was a hold placed on the funds. I was told it\u2019d be available that Monday. I survived the weekend. The app continued to state funds would be available on 1/22. When I reopened the app in the morning the date changed to 1/26. What? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eea4cbde3d1d486491150728e439d255
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{"chroma:document": "I would NOT recommend this bank to anyone! I am currently banking with them and have been banking with them for about 3-4 years now. When I lived in Lincoln, after MANY times of them doing anything they could to get me to make an account with them, I finally did. At first it seemed like a great bank. Then the past year and a half I've had fishy over-draft fees. When I make a transaction, it automatically tells me my new balance on the online banking app after I refresh it; therefore, I know exactly what I have even if it hasn't gone through on their end yet except for checks of course. So, last night my balance as of like 11pm was $6.01. I went to bed and woke up and it was -$3.67, so I go to the bank to put money in before 10pm, as you have until 10pm of the day that your account goes into the negatives to put the over-drafted amount in to avoid an over-draft fee!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ce025867c0f4cbebff93ced39604868
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{"chroma:document": "DISCLOSURE: Citizens Bank recently settled a lawsuit for 137.5 million for manipulating transactions to maximize overdraft fees. NOW READ THIS: I have tried to shut down my Citizens Bank account after moving from Philadelphia to Washington, D.C. where there are absolutely no Citizens Banks and was unable to. I tried to shut down the Citizens Bank account because there are NO CITIZENS BANKS IN D.C. and I exceeded the amount of money I could MOBILE DEPOSIT ($5000) and COULD NOT PAY MY RENT OR BILLS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1699158743e43ec844502723dc8630f
encoding: FLOAT32
metadata:
{"chroma:document": "I could not get a $30,000 HELOC loan from Citizens. I own two homes and only one has a mortgage. My credit score is around 725. I have had the same employer for 10 years and I have lived in my own home for 14 years. My income sources bring in around 140K yearly. So, if I can't get a loan from them then who can? This loan for a line of credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8c16e6791f243d7a786a416d05df3b9
encoding: FLOAT32
metadata:
{"chroma:document": "Bad Customer service. Finds any way to take money when they can off their customers. They do not give you updates on your own money and gives you false readings of your money on their website. By far worst bank to have money in. I will be switching banks as soon as my deposit start going to my other banks. You guys need to get your people together and stop taking other people's money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1acaba678c1d4da1b9d9012cefd14f54
encoding: FLOAT32
metadata:
{"chroma:document": "Over 12 years banking with them and they throw you out like an old shoe. No issues until this past November and every department has a different excuse. They say one thing do another. Give an option then you're an idiot 'cause they never said that! Like I am pulling information out of my butt and making things up. I would NEVER recommend this bank to anyone. You can\u2019t even give a disabled person their December monthly income?! Excuses and LIES!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cfe4f4f96c34284ac965e947d3206cc
encoding: FLOAT32
metadata:
{"chroma:document": "I could not get a $15,000 loan from Citizens. I own two homes and only one has a mortgage of 30K. My credit score is around 735. I have had the same employer for 15 years and I have lived in my own home for 33 years. My income sources bring in around 100K yearly. So, if I can't get a loan from them then who can?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d2e96dc36b441d292dbe790ad457e83
encoding: FLOAT32
metadata:
{"chroma:document": "On December 13th I reviewed my accounts online; as I am diligent in doing, and noticed a withdrawal of $3800.00 from my savings account had been made on December 8th. I called immediately to report it and was told I signed for it. I said I most certainly did not...where did this occur and was told, after being put on hold numerous times, at some in-store branch (some store I've never even heard of) in Philadelphia... I live in NH and was at work on December 8th. Then begins the whole process of filing a fraud claim. Understand, I have been with Citizens Bank for ~30 years and for the most part have always been confident and pleased with them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be8eb8f40ed54283b33f961b1b6da1ad
encoding: FLOAT32
metadata:
{"chroma:document": "Very frustrating! I received a personal consolidation loan about 6 months ago. Since then, my credit has improved tremendously! I contacted them today about refinancing for a lower rate (4% lower than my current according to their website and my credit score), and they told me that they do not have a process set up for refinancing at this time. You also can't apply for a separate Citizens Bank loan to pay off the existing. I've never once heard of this \"not being able to refinance a loan\". Take your business elsewhere!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2ad3c9c7e8f4c0289125dded397ecea
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metadata:
{"chroma:document": "I have read reviews and it seems like I have the same situation. I have been a customer at Citizens Bank before when it was Charter One Bank for at least 15 years. I have overdraft in the past and willingly pay the fees knowing my arrears however I'm not always been happy with it. I was led to believe there was three waiver a year and a $5 Grace when. I had a automatic withdrawal from a gym membership come out for 2005 I purchase headbands for $4 the same day neither processed till two days later. Because of their withdrawal rules it process the gym membership before the $4 purchase which resulted in a -19 overdraft when I was really only short a dollar. So now I'm paying $36 or a $1 overdraft and the overdraft is still pending. It doesn't show up on my account yet and I wasn't aware of that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56191587be3e4d228f9de857850f3a8c
encoding: FLOAT32
metadata:
{"chroma:document": "I had an issues with a company withdrawing money without me knowing. The customer service rep at Citizens told me to file a claim to stop payment and get money back without all the daily overdraft fees. I specifically asked more than once if the company can access my account to put money back because then I would have gotten it back twice. She assured me they can't... But they did so citizens then wanted their money back too. They set a draft date 2 days before my pay so I called electronic banking asking to delay the draft date. She said it was set and fine. Having a problem with claim filed already I asked a few times if she was sure... Said \"yes it definitely will not draft\" then it did so I called same dept to complain. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have accounts with a few other banks and I work for a financial but have never found a worse customer experience or nickel and diming than with Citizens Bank. Fees to get hard copy statements. Incoming wire fees. Deeply troubled website and ability to log in. Blocking ACH's from large verified US Banks. Charging income wire fees ($18). Generally terrible customer service and stonewalling for speaking with supervisors and a general runaround. Worst of all they won't close my account and send me my money. Don't do business with this bank... There are plenty of other options of banks that will appreciate your relationship."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a17b84ffcf364a93aee8ae28ebc868ce
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{"chroma:document": "Citizens Bank took two payments out last month and they have no idea how it happened. Here it is a month later and still I cannot get my money back. Apparently it is okay to steal from your customers. Called again today and they continue to hang up on me. I have been charged overdraft fee up the you know what and this company will do nothing to fix their mistake. Will not be making another truck payment until I hear something back and some sort of resolution is put in place. DO NOT BANK HERE. THEY ARE CRIMINAL."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a08db944461452ba9d6ddfd8cd291f4
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{"chroma:document": "I went to Citizens in NH to apply for a VA loan for my son who was deployed, they asked for the same paperwork 4-5 times, did not know what they were doing, told him that when he deployed I could not sign as his POA, and that he could not use the VA loan because when he finally got back to the States he was getting out of military full time and doing the weekend and 2 weeks and going into a different line of work with the DOD. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93a9bec5bcfd4c1d9a6a1b6be208b7a2
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{"chroma:document": "When I was 12 years old in 1985 (32 years ago) I walked up to my local Citizens branch where I am still at till this day and opened up my first account. I've been a loyal customer ever since and even used Citizens when I owned my own business from 1998-2009. This past September 27th my application for a HELOC loan went through and within 3 days I received a letter saying that I was conditionally approved. I own my own home free and clear (appraised at ($250,000), my credit score was fine. The only issue I have had was the fact that I have 3 jobs but all 3 jobs are relatively new. I started them all 6 months ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 869facda9bb84bf3a68add02417719c8
encoding: FLOAT32
metadata:
{"chroma:document": "My Atm card had a password reset, or so I thought after I spoke with customer service. When I went to withdraw money it retained my card on the weekend no less. 3 days later I got back. Had to get a pin mailer. In the meantime it allowed me to use my card as credit. While doing so since the pin on my card was no good, I reset the pin to get into my mobile app, that went funky on me. Expecting my Christmas bonus from work and knowing if something went wrong I would get a text alert. Fast forward a week when I got my weekly balance text and saw my account was negative over $400!!!! As soon as I could I grabbed literally every dollar I could and deposited $525. Should be ok, NO WAY! After my deposit I was still negative $311!!! How... FEES!!!! 12 OF THEM TO BE EXACT AT $35 EACH!!! No text alert, nothing in the mail...no call to see if my card was stolen...NOTHING. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 685cb38d4e3846f2924bce9199ec16b8
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{"chroma:document": "Yesterday out of clear blue received a letter stating my account is closed, also my business account. Called. They can't discuss it. The letter received from Citizens Bank doesn't even have a name of the person who wrote the letter. Stay away from this bank! Not consumer friendly and not Business friendly. Run away from them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93f216fc258f465ea8dae46d311a8e84
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with the bank for some time now and I just deposited a check from NYS and the next day allowed me to go to the branch and withdraw money. Now because of that they put a hold on all my money until it clears. They put an extended hold on a NYS check. Wtf. I can't get a dollar out. I just had unemployment deposit Tuesday. Can't get a dollar of the that because of their mistake. A family goes without Thanksgiving dinner and is forced to struggle until they say it's cleared and on my bank app I can't see all the money in there. Lots of ** up mistakes. They tell me it's up to the back office to release the funds. My lawyer is not happy. I'm just waiting. I was told funds would be available tomorrow. Wtf."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 414ded9df8024bb98b9b7a89db7f40d0
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my account online. Went to get a counter check to get my direct deposit going. They say they don't do counter checks anymore. I ask if I'm getting a couple in the mail with like a welcome packet. They say \"No, you only get them if you open a account in branch.\" What discrimination. I ask if they have any coin counters at any of their branches. They say \"No but you can use a machine at the entrance of the store and they charge you.\" I say \"Why would I pay someone else to do your job.\" Terrible service. Won't be banking with them long. Murrysville, PA Giant Eagle location."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7f9cd475afa4934825ff35bfbd69c10
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 09/13/2021: I closed my Citizens account in August. They proceeded to allow an automatic transaction to go through which hit the account and overdrafted me. No one from the bank alerted me about this so it continued to overdraft until one day I decided to check it and make sure citizens closed the account since they have said to me before they would do something and I find out it was never done. It was the case again with this. Now I owed them over $150.00 in overdraft fees that they said they would refund...hasn\u2019t happened and that they would close my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31e605e7a8514e3392e8677fac2b773c
encoding: FLOAT32
metadata:
{"chroma:document": "I took a trip to Citizens Bank today, I decided to get rid of my overdraft on my bank accounts, so if I don't have enough I'm my checking account they can take the rest out of my savings, guess how much I need in my checking account so I won't be charged a fee (5,000) dollars. Going to transfer my money to Navigant bank. (BYE SEE YA)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6159aa0e237141e98bbe214c04200e54
encoding: FLOAT32
metadata:
{"chroma:document": "I have had accounts with Charter One Bank aka Citizens Bank, since 1992. On 11-14-17 I discovered that fraudulent activity occurred on my checking account. I contacted customer service and had extreme difficulty understanding the c.s.r. who spoke with a heavy Hispanic accent. They outsource customer service to Panama City! My husband's debit card info had been compromised, so I asked her to block his card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85fe57bf1d884c69914804e0f94fbfa3
encoding: FLOAT32
metadata:
{"chroma:document": "Run from them. They stole my vacation money I transferred into my account to celebrate my son's one year and something months out of the hospital. It has been stuck in processing while we are at Disney world. I will be make this a lawsuit matter as I am done being transferred around on the phone and will be sharing with the media. They are thriving crooks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98d0614d5e6545ee8b288fe1bb648b33
encoding: FLOAT32
metadata:
{"chroma:document": "I was getting issued another card (not my idea), and they asked for my updated address. I gave them my new address, a week passed and still no card but I was able to get a hold of my money so I thought nothing of it. Another week passed so I called again to check and they once more asked for my address and I told them, number by number and spoke slowly. The third week comes and still no card, as I go to buy my son's milk my card is declined so I call them. They state that the new card was returned to them because they sent it to the wrong address and I couldn't get a new one until four days later. So here I am with a hungry nine month old and not able to use or get a hold of my money because of their three weeks of not listening."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a782593d5f1d49c694b4aa647a08afcf
encoding: FLOAT32
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{"chroma:document": "Today (Monday Nov. 6, 2017) at approximately 10 am I attempted to deposit a check made payable to me (as I have dozens of times over the last 15 years that my business account has been open) and I was told that this was not a valid payee. This is the second time in the last month that I have been questioned on a deposit to my account at this Branch. Both of these instances have occurred at the Stoughton, MA Route 138 Branch (not the Stop and Shop branch). I have deposited funds there numerous times over the past 15 years at this very location. I have no idea as to why I am being questioned, when I have no issues with the Cobbs Corner and Sharon, MA branches that I also frequent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a1fb4f3f2104db3ba988b3e4840732c
encoding: FLOAT32
metadata:
{"chroma:document": "I am not surprised at all that Citizens Bank rates only a star and a half. If there had been the option of a rating with no stars, that would have been my choice. I have been with Citizens Bank for quite a while and over time their service has just continued to get worse and worse- but today takes the cake. This morning at about 6:30am I checked my checking account to see if a check that I deposited on Saturday had cleared the account yet. According to my mobile banking app, it had cleared. Fast forward to 8:30am and I'm now on my way to work. I stop at the Citizens Bank in downtown Boston to use the ATM machine and I get a message about how my card has been deactivated- \u201cPlease go see an associate.\u201d So I do. I go in and ask the lady what's going on with my account. She takes my information and reviews the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ee3147c402145c494776ef0ae921834
encoding: FLOAT32
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{"chroma:document": "As a 10+ year customer of Citizens Bank I deposited my payroll check on a Friday as I had been for the previous month via the mobile check deposit. Deposited before 10 pm means the 'funds' are available the next day. As someone who lives paycheck to paycheck, I need to pay bills that next day. I noticed Sunday evening my account was negative several hundred dollars. I immediately called customer service. They stated the payroll check hadn't actually cleared but it was going to by tomorrow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 218e14668f084f44ba7a11392fdb04f6
encoding: FLOAT32
metadata:
{"chroma:document": "My elderly mother has a credit card through Citizens Bank. I have Power of Attorney (POA) for her. We recently had a problem with her credit card and I called customer service for assistance. They would not talk to me because they had no record of the POA. I went into our local branch with my POA paperwork. I explained my mother was no longer able to handle her own affairs and living in a home. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e5b17ee5aa84243a07018b1413acec4
encoding: FLOAT32
metadata:
{"chroma:document": "These people have no respect for you. They steal and steal and steal with their overdraft fees. I was charged multiple overdraft fees without me even noticing. These people disgust me and I do not think you should join here ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40b9c8060a7f40a4a74f8a8c74b1d551
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{"chroma:document": "In August 2017 I called customer service because I had over drafted by $.14. And was charged $35. I thought I had overdraft protection? So I called to make sure. Apparently it changed so I enrolled in overdraft protection once again. Didn't receive anything in the mail to sign approving the switch. 2 months later, a similar situation occurred. $225 in overdraft fees until they sent me any mail. (Received 5 days after date on letter) The switch to Overdraft protection never happened. I called, was transferred 5 times. Nobody could answer any of my questions. I never signed anything to switch out of the overdraft protection!!! Another class action lawsuit is coming their way. This bank is a giant thief. I will be switching. Stay away at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3338e03fcc064d65ba55077a696ee6c0
encoding: FLOAT32
metadata:
{"chroma:document": "This company needs to properly train your employees in customer service. My experience earlier this afternoon at a Philadelphia branch was completely unacceptable. The moment one of their employees could no longer provide me with information that could help me quickly resolve a lost debit card incident, was the exact moment she should have apologized that she could not be of more assistance, or even suggesting the corporate number. Instead, she chose to get an attitude and speak to me rudely, and disrupt the emergency phone call I made to my parents, who due to their own employees breaking the rules upon setting up my account, were the only ones who would be able to help me secure my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b750162c2bc04d249b7b596d942c3f9e
encoding: FLOAT32
metadata:
{"chroma:document": "I would honestly love to give them a good review but the amount of money they have taken from me in overdraft fees is disgusting. Not to mention, I\u2019ve had to call multiple times for replacement cards due to the fact the chip malfunctions or the card cracks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b47bbce795249e4be23571a8ef8cc1d
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{"chroma:document": "I deposited a payroll check on a Friday and then paid several bills from my checking account, not realizing that Monday was Columbus Day and was a banking holiday. Although the deposit cleared on Saturday and I was able to pull money out of the Mac machine I was still charged 7 overdraw fees for transactions that took place on Monday as the money did not technically clear till Tuesday. I got nowhere with the customer service representative on the phone and was blown off by the bank manager who seemed surprised when I decided to close my account. This bank has been involved in numerous class action lawsuits which the bank manager did not appreciate me pointing out. Run don't walk away from this bank they have obviously not learned their lesson and there will be another class action lawsuit very shortly for their unethical business practices. If I could give them a negative number of stars I would."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c41228acd89419ba9cf6422cc4a66e1
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank will \"legally\" steal from you and screw you over. Their Customer service is the WORSE. It's so bad that my wife and I went to one of their branches (409 East Ave. Pawtucket, RI.) after being on a really long and fruitless conversation with them over the phone. We went to close her account. Can you believe that when my wife told the \"customers assistant person\" that she was looking into closing her account, the \"customer assistant\" replied back, \"Ok, can I have your ID?\" Wow Really. No \"sorry to hear that\", No \"why would you want to do that\" OR \"let me see what I can do for you, to avoid closing your account today\". Nothing! I was so stunned by that and told her, \"Since you people are committed to lose customers now. Go ahead and close mine as well\" and I'd throw my card over her desk. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 169468ebd7224be39994e85885d78c21
encoding: FLOAT32
metadata:
{"chroma:document": "We had a checking account with Citizen Bank. We closed it in August of 2017. Unfortunately, we had a gym membership tied to the account. When the request for payment came from the gym to Citizens Bank, the bank \"reactivated\" the account with zero funds, paid the membership fee, and charged overdraft fees. No notification was sent out. This continued for 3 months before we stopped in to check on a CD. The manager was very short and kept saying it was their policy. I will never do business with this company again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1bd86a5e08a4bc2b9118461ce6d4c76
encoding: FLOAT32
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{"chroma:document": "I left New England and moved to NC, where there apparently aren't any Citizens Banks. I tried for months to close my account, but they simply would not close my account and continued to charge me a $12 monthly fee because I was not able to deposit. I did everything, spent hours calling, faxing, everything, but no one would help me. Citizens Bank is THE WORST bank, and dealing with them is a nightmare. Citizens Bank will \"legally\" steal from you and screw you over. I hope no one else gets cheated out of their hard earned money by these crooks like I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6cdc3fc7228a404ebc7e38d8f16838fa
encoding: FLOAT32
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{"chroma:document": "I pay my monthly mortgage on time every month. Same amount automatically deducted from my account. This past month my mortgage duplicated the payment out of my bank account by mistake. The money got refunded and I got hit for overdraft fees each day. I only had enough for my original mortgage payment. Wouldn't you monitor that issue and inform your customer about it before you allow it to go through and allow it to overdraw?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16c8b9c464e64877bf1288562b5e77a5
encoding: FLOAT32
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{"chroma:document": "We locked in a mortgage interest rate of 3.25% with.125% credit, for 60 days with Citizens Bank. However, when we received the closing disclosures for the mortgage, the interest rate was listed as 3.5%. When I inquired about this discrepancy, my loan officer, Maria **, told me that there were utilization ratio issues (due to the fact that we were closing on our purchase before our sale, despite the fact that this had always been the plan), but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a564818f6514245982d84a3062c25dd
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this account for almost 11 years. I have been playing a vicious game with them for years. They like to back date overdraft fees and cash deposits. This bank has been overdrafting me even though I look at my account several times a day. I know exactly when checks have gone through and when deposits are made and they tell me no I am wrong. I have screenshots proving my account was not overdrawn and still customer service says no they don't know why online banking says this, that I am in fact overdrawn. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc35f5beda59472b9a5ccbf80df9d212
encoding: FLOAT32
metadata:
{"chroma:document": "I am a business customer, I've been with this bank for many years just because I've been too lazy to make a change. The fine folks at Citizens Bank have taken the time to MAKE SURE THAT I MOVE ALL 6 ACCOUNTS TO NAVIGANT AS SOON AS POSSIBLE! I had a check that I deposited returned, but they never sent me a copy so that I could redeposit it. The return was on August 24th, today is Sept 18th... Still no copy for me to redeposit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a73a904e4f24497a670d318effb46ee
encoding: FLOAT32
metadata:
{"chroma:document": "I've just spent 30 minutes of my lunch hour time trying to access my online mobile account to pay my bill that is due today. First, it didn't recognize my password. Then, when it accepted it, it told me I had no internet access, although I clearly did. Then when I switched to a desktop computer, it locked me out and informed me I'd had \"too many log-in attempts\" and needed to change my password. When I tried to do so, it asked for my debit/ATM card number, even though I was on the credit card log-in site and DO NOT have a checking or savings account with Citizens Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1033b097d284422c93fd24a4d5a384ee
encoding: FLOAT32
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{"chroma:document": "I received and electronically deposited a refund check from my son's college into my Citizens account. After waiting for it to clear the usual 24 hours and noticing the funds were still not in my account, I called both the Citizens branch and Customer Service number. After getting the runaround for several hours (no answers as to why the delay, no calls back, false promises, and ultimately no resolution), I was told the check was suspected of fraud and Citizens had a high concern based on the financial institution and security features shown on the check that it would not clear. They said the funds won't be released until 9/19 at the earliest - 10 days after deposit! They escalated the case to the Office of the Chairman and I was told they would respond quickly... I am still waiting for a response. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4829ef0970d646e19b1b91516bc628a6
encoding: FLOAT32
metadata:
{"chroma:document": "I am charged overdraft fees all the time. For example. On Monday 9/11/2017 my account was fine, on Tuesday 9/12/2017 my account was fine. Now I know there is a $300 check out there going to be cashed but as of Tuesday 9/12/2017 it was not there. On Tuesday 9/12/2017 I deposited money into my account knowing this check will eventually come through. On Wednesday 9/13/2017 they put the check through and back dated the date. It went through to 9/11/2017 then charged me an overdraft fee. The check cleared of course because I put money in the bank on 9/11/2017 so when the check actually came through on 9/13/2017 funds were available. But they still back dated the check and charged me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 139e37d27ee747809f0a841fdb200b55
encoding: FLOAT32
metadata:
{"chroma:document": "I started an account at Citizens even though my some family members and friends warned me but I fell for the SCAM. Citizens Bank charged fees for mistakes they've made. You can be charged $35 For a pending overdraft fee that hasn't happened yet. I Deposited money into my account that has overdraft protection, oh by the way they charge you $12 to transfer from your saving to cover that and then you still get an overdraft charge, who's protecting me. Try asking for a supervisor (joke) they will stick to a script or better yet maybe I was talking to a Robot. Bottom line for whatever reason you are considering Citizens Bank don't. Regardless of your financial status your money should be protected and grow. With this bank neither will happen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ad6b8b7182a413e90b584ee993218d4
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{"chroma:document": "I have been a customer of Citizens Bank for over 10 years and am still appalled by the lack of customer service I recently received. I wrote a check to my brother-in-law and his wife to celebrate their wedding and help provide funds for their honeymoon. All seemed well as they cashed the check and it cleared prior to them leaving; however, a day later Citizens took it upon themselves to reverse the check. I noticed this and called customer service and am still dumbfounded by their ineptitude and lack of empathy for potentially ruining a newlyweds\u2019 honeymoon. Long story short, their only solution was for me to write them another check. Despite them being out of the country and Citizens having the account information where they initially deposited the funds, their only remediation was for me to write another check. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b451198af21c4e3c884ea6889b574749
encoding: FLOAT32
metadata:
{"chroma:document": "I being a customer for over 10 year and never had any problem with Citizens Bank. The bank teller are so nice and honest. They are always there to help and answer all your questions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ac38ff86eeb4c3dba798fd822770c90
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{"chroma:document": "I have been with Citizens Bank since I was 12 years old!!! I opened the account with my mom, I have been very loyal to them and can't believe what has happened before my eyes. I was a victim of fraud and my account number routing number and debit cards were all stolen and made charges of preauthorized debit. Just a week before Citizens called me to tell me my account would have been \"drained\" if I didn't cancel my card, so I did. Now, just a week later I have all these charges appearing, I immediately contacted Citizens and was told I have four overdraft fees totaling up to 175 dollars! As a student who pays everything on their own that takes away my groceries etc! I have student loans with Citizen, regardless I am now waiting on my claim to come back and to quickly close my account and NEVER reopen one again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I received a check for $3500, inviting me to be a secret shopper. I discussed it with a teller - we both agreed to be careful about possible fraud. I deposited it, with the understanding that we would wait \"at least 3 - 4 days\" for check to clear. I deliberately cleaned all remaining funds out of my account, leaving only the $3500 deposit. Four days later, I returned and was told that check had cleared. Teller - different from 4 days earlier - specifically told me that the check had \"cleared\" and that the funds were \"in (my) account\". Repeatedly, she advised that money was in my account and available for withdrawal. I withdrew the cash and, as instructed, made a purchase for several hundred dollars and then wired 3K to directed recipients. It sounded strange, but I knew that Citizens Bank had reassured me that the check had cleared and that the funds were IN MY ACCOUNT!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a337a478d4a42ebb6014eedfb684d22
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{"chroma:document": "Overdrafting is a huge problem with Citizens Bank. Overdraft 1 hour you're already charged fees. That's wrong. It's highway robbery but they tell me it's ok and they're doing nothing wrong even though I put the money right back that **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95723a7fcdff4b139e851d68e38b0df8
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{"chroma:document": "Citizens Bank has a variety of interest bearing account to serve your needs, including many types of checking that do not have fees. When your circumstances change they are willing and able to change types of account to meet your needs, even if only temporary. Their bank card services are great. Includes no fee cards with nice rewards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb8ab8ed3e9c4f17a7963026f136f1e0
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{"chroma:document": "The Citizens Bank financial planner was the worse. He suggested I would need $59k a year to retire and I currently bring home the same amount and save aggressively."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90cf91244c544565a2bd7372fe3810e7
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{"chroma:document": "Citizens Bank is misleading customers about banking with them. I opened up a account and was told I should receive my card within the next few days. So I got my card and tried to activate it, and it asked me for my pin. Meanwhile I never know I had to wait for a pin to come in the mail just to access my funds. The banking agent I set with for 3 hrs failed to mention I had to wait for a pin by mail. I feel like I was tricked into opening up my account with them. Now I have to wait 5 more days after receiving my card by mail just to withdraw my funds by ATM. Whoever thought of this stupid idea need to really rethink it over. I'm closing my account with them and I will Bank with Bank of America because they allow you to setup your pin upon opening up a account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aaa1afb755164b61994570fa85daa0cb
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{"chroma:document": "My elderly mother received a fraudulent check drawn on Citizens Bank. I know that Citizens was not the source of the fraud, but some bad people who have now turned off their phone number. I went online to the company (Investec, a real company) who supposedly sent out this letter promising $250,000 if you call them and cash a Citizens Bank check for $2,870. I was able to search Investec and easily report the fraud by sending them pictures of the letter and check, and they already emailed me back, confirming this exact fraud, all in FIVE minutes! However, I've spent almost a half hour trying to contact Citizens Bank online, by email, by phone, trying to speak to a human being. FINALLY got through, was transferred to a fraud department and left a message because no one there could speak with me. Based on reading all the reviews I've seen here, mostly very negative, and my experience, I would NEVER set up an account with Citizens Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04a2eb4fe7a345e1aabacf9ead157fc9
encoding: FLOAT32
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{"chroma:document": "I set up a checking account in person at Citizens for the first time, and was explicitly mislead by a banker, causing financial harm to my person. I spent 2 hours at the bank meticulously going through any expenses and fees associated with a checking account. I questioned the banker if there were fees associated with a transfer from the Citizens Acct to an external account such as Eastern Bank. They said there were not. I reiterated this question a several times in very clear language, and they stated in equally clear terms that there were no fees associated with transfers from a Citizens account to an external account. I was clear this was an absolute requirement, and that I would not open the account if it was not met. I just tried to make such a transfer online, and was hit with a 3 dollar fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da912af63daf442ca6d71a5e5e11d200
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{"chroma:document": "I deposited a check (on a Thurs) and as expected it first showed as pending. The next day it showed as fully available so I paid some bills. On Tuesday I looked online to confirm the funds had gone to the bills only to discover they had pulled back the check to \"on hold\" and I was negative hundreds of dollars. I called, the man I spoke to had a barely intelligible southern accent and a surprisingly terrible attitude, very patronizing, sarcastic and totally non apologetic. I felt like I was taking crazy pills. I cannot close my account fast enough but the hold won't be released for 3 more days! AAAHHH!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23b7d10049f34a3daf806367743ad83a
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{"chroma:document": "After having an auto-pay loan for 65 out of a 66 month term loan with Citizens Bank I received a paper bill for my final payment of the vehicle. I thought this was odd as every other payment had been automatically taken from my bank account. But I figured whatever. The payment due date was 8/1. I have a Citizens branch local to me and thought I would just send a team member to make the payment for me as I was out of town on a business trip. I was shocked when she called me on 7/28 and said the bank had refused my check because it was the wrong amount. Because it was a couple days early my check was for $1.15 more than was due. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2dd610cf67334b8193fb3f11e35a64c5
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{"chroma:document": "I have an auto loan that is financed through Citizens Bank. I lost my job and I fell behind a month on my payments due to job loss. I requested a deferment, and my account has been in confusion ever since. Once I fell behind in payments, I stopped receiving billing statements. I received calls about my past due amount as that and my monthly payments were two separate things. I use the one-time online bill pay, but the amount owed online is always different than if I were to call. My point is, I want to pay my bill, but this bank will not easily provide the correct information. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2932e3184d245cf9d663eb51433bf00
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from this bank. They could care less about their customers. I deposited a dividend check with the assurance that funds would be available the next business day for my daughter who was traveling out of the country. Citizens put a 10 day hold on the check because it \"didn't look typical\"?? What the hell does that mean? TD Ameriprise is about 10,000 times larger than little 'ol Citizens Bank and Tackle shop. I spent 8 hours on the phone with corporate and local branch manager to no avail, although the branch mgr tried his best. They could care less that I need to get funds to my daughter's acct while she was out of the US. Needless to say, my accts will be moved to my Credit Union and I suggest all do the same!! Horrible customer service!! No stars!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ace2cdecdbb457a82be3d8870050e61
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{"chroma:document": "My husband and I were securing an apartment in Los Angeles (from Philly) for our daughter, who was starting a Summer Internship there. We found a safe and beautiful apartment through Craig's List. I had been in touch with the gentleman renting this apartment for several weeks. He asked that make a bank to bank transfer for the rent and then we would receive the keys. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52783a80b09d4208b7c5eab61cc1d5af
encoding: FLOAT32
metadata:
{"chroma:document": "WOW! I see from all the negative experiences that Citizens Bank is ripping many many people off not just me! I am so sick of their fake fees and the way they want to mix numbers around on my account to keep charging me overdraft fees that are false. There will be another lawsuit guaranteed and I will be first in line. This can't be legal! They love to talk around and make excuses to justify their FAKE fees. I would stay far away from this bank if you haven't been a victim yet. Beware. Look how recent the dates are of all the complaints. Unbelievable! Put people's money back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a80e0969a0894a8f97d403618495fbac
encoding: FLOAT32
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{"chroma:document": "Never invest through Citizens Bank. They sold us a market-based CD that lost money until the very end of the 6 year investment period and then magically in the last 4 months of the investment, it suddenly came up to the original investment amount and then gave us 1/2 of one percent interest TOTAL at redemption time. When we redeemed the coupon, they charged us $95.00 to take out our own money and made us wait a week to receive a check sent by REGULAR MAIL, not even certified!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64b7802845ce40a0897c0538c9aed935
encoding: FLOAT32
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{"chroma:document": "I cancelled with Citizens Bank Nov. 4 after I back all the overdraft and then in Feb. I go to Cornerstone and they seen everything going on. Call Citizens back and said \"You owe $40.\" 2 days later it was $60. Go to pay them. They said it was waived and get another letter. I owe $60 and go pay it again. It taken care of. Then received another letter \"You owe $200\" and call and explain what going then me that I need to talk to the branch and they need to talk to each other to straighten out business. I go today to see what going on and they said they can't find it and it went into collections. Now I've to wait till Mon in betweenness both jobs. They have to call collection agency to straighten this out. Credit unions are the way to go. Never again. The worst bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d7cc811a54b43e0ace6346a6e0d12e9
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{"chroma:document": "I went to close my account with Citizens Bank at 251 Washington St, Attleboro. I asked for the fees to waived or some of them. There is a new Branch Manager and he looked at the account, never acknowledged me, had a miserable look on his face and said to the young lady \"no\". I have never had a fee before and said close the account and then told that it can be reopened and charged another 35.00 for fees if they put it thru again. Damn. If the account is closed then closed means closed. I said, \"But I am closing it and that should be fine.\" The Branch Manager sitting next to the young lady looked at me with the worse smirk on his face. I was not pleased with this man at all. His attitude needs to be adjusted and he is NOT CUSTOMER FRIENDLY AT ALL. I will never recommend anyone to do business there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43246f882393403ea3ccf574d282ca1e
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{"chroma:document": "Worst banking experience - I ended up with Citizens Bank because it has acquired a bank I liked. It seems the culture at the Citizens Bank is very tense, incompetent and inconvenient. Look at their website! The tellers are tense, especially in the North Haven branch. The management is pretty incompetent in the Middletown branch. I have not had problems with Durham, New Haven and East Haven branches. Try not to open a home equity line of credit. You cannot get out of it for 10 years! It is in the fine print. Finally I just MOVED to TD. What a difference! A bank that actually wants you to have a good experience!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1cf1d4c65a646e29670377100bcd1a3
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{"chroma:document": "Citizens Bank is a sham of a bank. I have money in my account right now, and they are telling me I have FIVE OVERDRAFT FEES! This is so stupid. I'm done with this. If these are not waived I will switch banks immediately. I am over this nonsense. I talked to a manager and they couldn't care less. Transactions on hold disappear, and he told me I should have paid attention. How dare they! I monitor my account every day. I don't make one purchase without reviewing my account. They purposely pull Funds on Hold so you cannot see them and then charge you overdrafts. This defeats the purpose of online banking! There is a Funds on Hold section, and they hide them from you. GOODBYE CITIZENS! I will tell everyone how deceitful they are. Americans deserve to know the truth."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb5ff685bbb444f9b2796384320e98f3
encoding: FLOAT32
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{"chroma:document": "I have been a customer for Citizens Bank for almost 13 years. 2 years ago I moved to the west coast where Citizens bank doesn't have branches. I left over $1000 on my online checking account and haven't used the account. Recently I transferred some more money into the account and discovered that they have been charging me a $5 dormant fee every month for almost a year. I have never heard about this so I called the bank. According to them, since I haven't used the account for over a year, my account became dormant and therefore they need to charge this fee every month. It looks like unless you actively use the account, otherwise, they will charge for leaving money in your account. I asked if I can get refunded and continue using the account. They refused to refund and don't really care about losing a long-term customer at all. I should have closed the account two years ago to save my money from being stolen by them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eda60c2d1605442583fef7034f1d3123
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{"chroma:document": "I had a customer write me a check drawn on a Citizens Bank account. I took the check to the local Citizens Bank branch to cash it, thinking I would have to pay a 7-10 dollar fee as I do not have an account with the bank. They charged me no fee and explained they don't charge a fee. Every other bank I've been to in the last decade has charged me a fee for cashing a check if I don't have an account with them. It was very refreshing to not have to endure a fee for cashing a check drawn on one of their accounts. I recommend them for this reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec1ef8a305044c32a518e4684340ba46
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{"chroma:document": "We have had an account with Citizens Bank for over 2 decades and really haven't had to interact too much with the staff in the Sandwich office. However, our recent experience there motivated me to write to say this branch excels in customer service. We dealt with Paul **, whose title is \"Relationship Manager,\" which is very appropriate! He is personable, knowledgeable and an excellent representative of this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb595570cbdb4930b63bcb80d3904398
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metadata:
{"chroma:document": "My review is for current experience handling a friend's bank transactions with Citizens Bank since he is disabled and unable to do it himself. I had an account with them years ago which I got rid of because of their terrible service and pitiful website. Citizens Bank is by far the worst bank I have ever used and I have three bank accounts with real banks that do not treat their customers like this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca705eeb6edd4277a9c22131745398fd
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{"chroma:document": "This is my final request to have the remainder of $235 in overdraft fees rebated to me before filing in small claims. I am being represented by Arguss Law Firm. I submitted a complaint regarding my account when I was charged over $1095 in overdraft fees in March and April 2017 even though I never elected to have overdrafts allowed on my account. I was refunded $860. I am seeking the remaining $235 to be refunded or I will bring the matter to small claims."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4981d0f6db554748adbf1530a3a2cc49
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{"chroma:document": "Again I went through Lending Tree to try to find a bank that would give me a HELOC on a house I own with no mortgage under an LLC. It is difficult to find bank to do this type of loan and the person who initially contacted me assured me they do loans like that and haven't had a problem before. I went through all the paperwork - the last of the paperwork they requested was on my LLC - which was irrelevant to them anyway and then didn't hear back from them. I contacted the processor I was working with and she told me my DTI was too high (then why ask for the paperwork on my LLC???). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24fe38a6d2614426a92601b04f94f393
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{"chroma:document": "If you have $150 in your checking account, a check you issued is deposited at 3:00pm for more than $150 you are instantly charged an overdraft fee. Their policy claims that a direct deposit, or cash deposit made before 10:00pm will be available as your balance that day. So DO NOT count on your direct deposit paycheck to cover checks showing up on the same day. The real time processing of checks is a nasty policy that consumers should be aware of. My primary bank (not Citizens) allows the balance to be satisfied by the end of the banking day with no fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 013e562ef551481b877ae25aeb125957
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metadata:
{"chroma:document": "They are the rudest, nastiest people to deal with. One department tells you one thing and the other another... No communication at all... I really hope the government (my hard earned tax money) which is me... doesn't allow these banks to continue to prosper off the hard working middle and lower class with their absorbent fees and interest rates. I'm a homeowner no thanks to the likes of Citizens Bank... who could care less about you or the American people. Shame on them for their greedy ways... Let them fail!!! Credit unions are the only way to bank!!! Straight and honest all the time!!! Frank ** really needs to b addressed along with tax reform for the middle to lower class. Everything is catered to the 1%. So sick of being taken of advantage of by corporate America!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I just purchased a new Jeep, and figured that I miscalculated my funds. I called Citizens Bank to do preventive measures and was told that they don't help people when they are struggling. I explain to her that my job is new and I need a car in order to keep my job. I was told that they don't care and that I had until 10 days after the payment was due before I got late charges. I said to her that is my whole point I don't want late charges, and I will be able to pay the note next month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 421df3d67b96474f964411a609624599
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{"chroma:document": "I applied for a visa secure card online with Citizen Trust Bank. Waited for 2 weeks to get approved, they sent me a letter saying. \"Congratulations, you are preliminarily approved for your $500.00 cash secured credit card request. Please go to your nearest Citizens Trust Bank Financial Center and open up a certificate of deposit in the amount of $600.00, which will be used as collateral for the credit card. Once complete, please let me know and I will proceed with your loan request. Should you have any questions, please feel free to contact me. Thank you for considering Citizens Trust Bank for your financing needs.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63f85e71f9b74a7fb8915f41a4e6c5f3
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{"chroma:document": "A week ago today (as of April 11, 2017) I wrote my wife a check for my son's school fees of 150 dollars. When she cashed the check, Citizens Bank cashed $1500, completely bouncing my account. Wednesday, she called them and gave them the runaround. When she finally was able to speak to a manager from the Macedonia branch, he kept telling her that the money would be there the following day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3807ed62a324582ba4d5799670a4f5a
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{"chroma:document": "The Charter One was ok bank. After Citizen bank take over, I decide to go out of this bank. They are never send any notice about overdraft fee, and in one day they take me 5X35 dollars. I check like today my account and no overdraft fee. My account was positive and was under one thousand. So I go to the bank and put deposit check. Tomorrow I check again online, and I see overdraft fee. 5X35 dollars So I did talk to them and they are refund one time 35 dollars, and they are not guilty of course. I was mad and I open account with different bank, come to the Citizen bank and close account. Take all my money out. So balance was 0. No debt. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c80f3843830248839459095d17af3714
encoding: FLOAT32
metadata:
{"chroma:document": "I have never seen a bank with more BS fees and BS reasons to access those fees. They charge you $3.50 to use another bank's ATMs, they charge you the usual $35 overdraft fee but if your overdraft is sustained for 4 or more days they charge you $30 each day it is sustained. They have already had lawsuits because of their fraudulent fee accessing. They just find new ways to continue to do the process. Their online banking is not in real time either making it easier to overdraft. It's 2017 Citizens, get with the times. Other banks allow you to see the drafts immediately. They may be still pending but you will at least still see them. With Citizens, you may not see a draft pending to come out so you put money in the account to make sure it's covered when it does but it doesn't matter to them. If they see it on the back end you still get charged and you will see the overdraft charge but never actually see your account go into the negative."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21e976aab8e149228802662f0b0790ec
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{"chroma:document": "I've paid 200 in fees in the last two weeks (highest fees of any bank I've ever worked either 39$ each!) and they just returned a check I wrote because of the insufficient funds in there due to the all the fees I was charged that started with a 9$ unauthorized charge. It takes them 90 days to process a claim for unauthorized charges before they can issue a refund, this is ludicrous. I am closing this account and I'm done with these crooks, no wonder every time I turn around another branch is closing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 990e98afde1e4775b96b87faf4045a67
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{"chroma:document": "Not surprising to read all of the reviews below! If you are reading, do you remember how the Founding Fathers used the pen to win the victory against our stalwart enemies in the England of that day (only). Well, let us press forward by using that same weapon. It still works!!! The written word. Thank God for the First Amendment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ee50cf94eb94848910bc0f89c59b93e
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank is a bank I will not recommend to anyone especially if you are **, Hispanic or disabled. I am a first time home buyer so I was excited about purchasing my first home as a single mom. When I applied, I got my pre-approval. I shopped for a house found one. I paid for my inspection and appraisal and put a down payment on the house. I got my grant money for closing. My credit is good and my income is steady. Citizens ask me if I was married. I told them no. They wanted a written statement to say this so I gave them one. The loan officer told me it will not be a problem to get my loan. By the way it's for 33,000 dollars for the home. Citizens Bank has harassed me and discriminated against me from day one. So now we are at the very end of the process of getting the loan and they tell me they can not process my home loan till they investigate my marital status."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8be1ec9e0de445f930a07c09cd98c0a
encoding: FLOAT32
metadata:
{"chroma:document": "I just closed my accounts and waiting for my direct payments rerouted to another bank. We had a business credit card that we had fraud issues with it. We thought it was resolved and closed. Then a year after we get a bill to say we owe 11,000+ and they have gone without permission into our accounts and took money. Two years of hassle and a year and half to just produce statements that didn't show what were the 11k for! Then they close the inquiry saying I didn't provide information (which I did four times) and although the chairman office was involved it was a waste of two years and long hours and they send me a letter TODAY pay the balance of 3k+ by TOMORROW! And still no answer why, where and what and when those purchases were made! So good luck with this. I have banked 15 years with you and you have been very disappointing!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a11a84e1c364c998291eff2c5fe63f5
encoding: FLOAT32
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{"chroma:document": "It took 13 weeks to close on this loan and I had the seller threatening to end the sale because we were still not closed and at 12 weeks I still had not received a closing date. I have EXCELLENT credit and I was very fast to respond to all requests within 24hrs providing all document and it still took 13 weeks. I applied for my mortgage through Citizens back on October 24th 2016. The seller was threatening to end this sale and I would have lost over $40,000 on this home due to everything we put into the property while we were renting to own it for the last year until our previous home sold. It took over 4 weeks to get an appraisal, and the communication has been very disappointing and unprofessional. All documents requested from me were provided within 24hrs every time unless it was something we needed from the seller who lives several states away but was still provided in a timely manner."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb7183dd0b7e41adaf3bee5b4b42213a
encoding: FLOAT32
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{"chroma:document": "I wrote a check from a credit card that I called credit card before I did it and they said it's good. Well it didn't go thru. Went to my bank, talked to the manager, we sat in her office, called the credit card co. They told her for me to write another check. Everything was good well no. Now they canceled my checking acct. Went to pay 2 two credit cards same bank same address. No I can't do that manager said and if I didn't like it pay off my cards and I didn't have to come back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0bd5a02ba09e484eaad377a7c7877f4b
encoding: FLOAT32
metadata:
{"chroma:document": "Have been a loyal customer of Citizens Bank for over 15 years, never late on a payment. Checking division does not have access to mortgage payment division. Deposited $10K via phone to have funds automatically withdrawn from my checking and applied to my home equity mortgage. Instead of applying the one monthly payment toward home equity and putting the remainder of the funds in my checking account, remainder of funds were applied to the principal of home equity loan. Assumed funds were available in checking and auto withdraws were being made toward home equity. Received a notice that my checking account was cancelled and overdrawn."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a1000c542db4dabb998ecd670adb337
encoding: FLOAT32
metadata:
{"chroma:document": "I was literally speaking with Citizens Bank reps from 1 pm Friday til 11 pm Friday. I had an overdraft a day to not receive anymore fees. I asked the best way after given false info by a supervisor. It was after 6 pm so I could not go to bank. I asked could I deposited a check from my mom from Citizens Bank on Saturday to assure no further fees on Monday. She said no. She said I had to do the deposit. Friday by 10 pm through atm. Well I said it will be a Citizens Bank check. They said fine. She wrote it for more than the overdrawn amount so I could have a few bucks. Well it took the check and didn't let me get a withdrawal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 064f0ebe01e4489fa04048fdfca56b35
encoding: FLOAT32
metadata:
{"chroma:document": "I have two auto loans with Citizens. Always pay on time, yet every time I try to log in it is a different story. Login fails and blocks me out after one attempt. Website is not user friendly. Calling tech support is a joke, as the story changes along with the policies and every instruction they give you to correct the problem is changed with every call you make. It seems almost on purpose, as you can never really correct the problem nor find someone competent enough to correct it once and for all. Why offer a service you can't use. As for honesty and reliability, I suggest you look for another banking institution and save yourself the utmost aggravation. They treat you as though you are the one doing something bad or wrong and offer no real assistance. They just want to take your money. I wish I had never gotten the loans. NEVER AGAIN - buyer beware."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d780329b1294311ad4b2ee0069f0215
encoding: FLOAT32
metadata:
{"chroma:document": "When I opened a CD with Citizens I was told I had to pay for paper notifications so of course I did everything through efile. I had a very sizable CD come due with NO NOTIFICATION from the bank. It was at 1.25% interest & they rolled it into .03%! When I called they said I should have checked their site for alerts. So I said \"hold on while I look\" and she said, \"It's gone. It's too late now.\" HOW CONVENIENT. We are talking September, 3 months ago! I requested to either refund me the account with no penalties or roll it into 1.25%. They refused both. I am furious. I am nothing but a number to them. I am so done with that bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0e52d792c424204b0ac62feef2be8b1
encoding: FLOAT32
metadata:
{"chroma:document": "We received a letter the bank was canceling our accounts for no reason. We have disabilities and we have only done banking with Citizens for 35 yrs. It was a man named Ryan ** who signed the letter. We are hurt, it has caused us great harm. In all 35 yrs Citizens and all its employees have been good to us. There is a \"not so friendly people there.\" The letter stated we could not have access to our monies. A lawyer may have to be involved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ea6682b0d7e4b948a9f95557aeb9b94
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible, unethical practices! I've had a few accounts with this bank since the 90s and over the past few years, I've noticed they have changed their policies and it's not for the better! They create extra fees and extra charges anywhere they can. They hold checks meant for deposit so that a member's account will go into a \"negative state\". They do this so that they can take even more money out of your account for themselves. I tried to call and speak to a Manager and I went in circles on the phone for over an hour. It's pointless. Truth be told ---They will do anything to take your money under their insufficient fees policy and/or their other \"fee for everything policy\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fae83fb95cf490fa82c6ed2710a02c0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying for over 2 months (12 phone calls - and mailed/faxed 4 different times their forms) to get a distribution from my retirement account and I keep getting people who do not know what is going on. They also do not have a way to upload documents online. To get a distribution or rollover, a form must be completed, then mailed or faxed to them.  Once they receive the forms, then they will start the process of withdrawing - and the worst is it is not based on the day you called to get the distribution but when they actually process the request so your distribution is not what it was when you first initiated the distribution. They do not get back to you about the status either; you have to continually call and ask. This is the worst company and I cannot wait to get all of my money away from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9877cde9e6e14326beb4ac5219ad0a81
encoding: FLOAT32
metadata:
{"chroma:document": "When talking about this company they decided to hold onto my Life Insurance from my father till I turned 18 and what they said has changed several times to it's in Unclaimed property in my state all the way to someone already claimed it. They refuse to help me no matter what section of their company that I call. Worst of all I had to get the company my father was insured with to give me the main manager's number. And it still took several calls to get this all resolved. This is something that is ridiculous to the self appointed most \"Ethical\" Company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35c703af40bb411faa5baa79b4c06bb7
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a horrible experience with this company regarding a SIMPLE rollover that I have requested to be transferred into my new employer's financial institution. The first customer service representative (Brandy) convinced me that I was able to have a portion of my funds sent directly to me and the vast majority would be sent to the new financial institution. I thought that sounded great until I never received that money. I call to follow up a couple times (eventually getting to a supervisor named Catherine **) and they looked into my situation and basically told me that the first representative was confused about what she was saying and that it was false. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e700c8d2a2244e5d986b4825e3128e74
encoding: FLOAT32
metadata:
{"chroma:document": "Retired and submitted a fund transference almost 4 weeks ago. No response. Finally, informed my recipient company that an additional for was needed. How can they can tie up someone else\u2019s money for so long is incomprehensible. I\u2019d give them a negative rating if I could. Don\u2019t work with them. They suck\u2026BBB complaint is next."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d02f02b7b5fb4d87a66b195a4c6f318a
encoding: FLOAT32
metadata:
{"chroma:document": "They transferred my money from one account to another account of theirs. It's taking 3 weeks to get access to my money. And I have to wait for them to send some stupid pin. Because you only get one chance to do something on your phone period and my phone died, so you don't get a second chance. You have to wait 2 weeks to get a pin to get access to your money. After that, garbage straight **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea36e78d47574287918b50e66a0477dc
encoding: FLOAT32
metadata:
{"chroma:document": "By far, the WORST 401k mgmt company I have ever experienced in 41 yrs on this Earth. Terrible. That is no exaggeration. One, their system is always down \"for maintenance\". Two, their reps are not knowledgeable and consistently give robotic responses. Only 401k plan I ever heard of a 7 day wait to add bank account info for disbursements. Then they sent me some bogus loan check from some Mom and Pop bank that my bank Chase could not even cash. Why would you send a fraudulent check to a person. Filing BBB complaint as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99b6bf1a1c6b4fb0b535d06ff28074f9
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to rollover my money from Voya to another institution for at least 2 years. Every single time I try to do this, they come up with another excuse or reason to keep my money. I have been through the process multiple times and they always find a problem with something. This time they said the institution's name was incorrect on the form, even though it wasn't. I corrected the form with the exact name from the acceptance letter (which was not really different from what was already on the form) and submitted it. A week later they sent another letter, this time telling me I need to submit some forms for a name change, but my name on my account is exactly the same as it is on the receiving account. I honestly can't believe I've been dealing with this for so long but based on other reviews, it seems common and is completely unacceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3406caeb31a24c6dbb536357ef6fc7f2
encoding: FLOAT32
metadata:
{"chroma:document": "Trying to access my account online but it won't let me into my account. I called the customer service number and all they can do is send me a code in 7-10 business days. I should be able to access my account any day, any time. So they are holding my account hostage until snail mail comes through. I just wanted to make changes to my account but I guess I can't. It's my 401K but I don't get any control of it. I will be transferring my money to a different financial institution in 7-10 business days"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cff68464b90a46b1bb64ab9aff48153a
encoding: FLOAT32
metadata:
{"chroma:document": "I had two 403B's through them and not by choice. My employers had the accounts with them. Trying to close the accounts is like pulling teeth. They give the wrong information on the phone, email the wrong forms and the address of the third party where the paperwork needs to be sent to is not on the forms. The process of closing the accounts was delayed for months due to their negligence!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fae86061b4f047d0a34a844eb671c952
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a 403b with them since the early 2000's. I finally decided to terminate my account. I was told my direct deposit would be in on or before June 9th. Did not happen. I call and they say it came up bank not found. They definitely had the right account number and routing number so they didn't even tempt to try again since they clearly made a mistake or even call me to tell me it happened to solve the issue! 3 days later after talking to them and being told they put a rush on it, it's still pending approval I'm told when I called. It isn't that much money but I had $1748 in there and was told I get a little over $1400. Now they keep saying something about $800. So I guess we will see what happens. I do not recommend this place for your hard earned money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 484be240d6154691a43c799bcaaf21aa
encoding: FLOAT32
metadata:
{"chroma:document": "This place is the biggest scam company that I myself has ever seen. I have these people through my employer. If I would have known what I know now hence, I was young and did not know any better when I started this company. I would have opted out in the beginning. Apparently, I have to be dead to receive or borrow money from I have been contributing to for a decade + and can't even use it?? This should be illegal. I did not even have the option of moving my money to an IRA or another retirement account. I either had to quit, die or I can add on to my house. Or pay hospital bills but they can be in collections. Scam!! Everything they offer is a stipulation to it. If there is a lawyer out there reading this, please contact me. These big corporation companies are just stealing from us little folks. Without a care in the world..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02bcaf502f504f369117fe021f9e4f17
encoding: FLOAT32
metadata:
{"chroma:document": "Either Voya is the worst-trained company or they are the epitome of the Hollywood trope of sleazy insurance companies. I filed a critical illness claim, been paying them for over a decade but finally needed a reason for the critical illness care. Each time I called they would give a different document they needed. Full medical records? Can't because the put a cap on the file size. Finally after over 60 days of this nonsense hoping I would give up they stated they just needed the UB04 from the hospital. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 210ac8a13b23494da0d5f030a3cd7a2b
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metadata:
{"chroma:document": "Filed a claim, VOYA requested a UB04 form from the hospital, uploaded the document and they declined the claim because the form says I had a recovery room stay vs a residential stay! WTF does that even mean, I stayed in a hospital BED overnight! Why does it matter if the invoice says RECOVERY ROOM OR RESIDENTIAL ROOM, It was an overnight stay! Absolutely a way to jip people out of their benefit, absolutely a way for them no pay with a play on words! Go with metlife or prudential, horrible experience. I feel bad for individuals that is not confident enough to fight back, I will be taking this all the way thru."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfbf2d44a4a64a76ab786c7e5da447ab
encoding: FLOAT32
metadata:
{"chroma:document": "I have terminated my account, paid the 50 to expedite. Been calling, they have long wait time. Staff doesn't know any answers. Status is waiting on third-party review to release my funds and the interest keeps going down. Fraud all the way. They need a better resolution. You can't keep people's money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef1334ba11204cbe8114b96b816ceca4
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metadata:
{"chroma:document": "I had applied to take a loan out against my 403B with Omni/TSA, my third party administrator. Voya said that Omni was not my third party adminstrator (which it is) and would not give any data to Omni. So, I had to send Omni my Voya statement and once Omni received it, they faxed VOYA a request for my spark data. Voya did not comply. So I called Voya asking for them to send my Spark data to Omni. After 25 minutes, being placed on hold numerous times, and the lady not even knowing what spark data was, I was told by her that Omni had never called Voya to request the data. So I called Omni back stating that Voya stated that they never received a call asking for my spark data, and Omni stated that they sent a couple faxes to them. According to Voya, they need a phone call, not a fax. Voya is dragging their feet with money that I need from my 403b. I am thinking about rolling my 403b somewhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3596a6bc1211403791e09ce554bcf739
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metadata:
{"chroma:document": "I needed to take a hardship and was given the run around. Sent in all necessary documents and still was denied. Stay away. They only want you to put money in and will let you die before you can take it out!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce7f8fdb1dc34b529414a85f88604f01
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{"chroma:document": "As a public school teacher, I was offered an ING annuity for retirement. When ING went under, VOYA bought this account and dramatically decreased the interest rate. For the past 3 months I have been attempting to roll it over, but they continue to drag their heels and act confused as to how to accomplish this feat, despite having all required forms all the while pocketing the interest they make from my teacher's retirement. THIEVES."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d94e4ebc9e14d50b497ab5820643959
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metadata:
{"chroma:document": "Voya Financial provides the Basic and \u201cBuy-Up\u201d Coverages for company employees eligible for any company benefits. Not only are they unable to determine what coverage exists, but also communicate poorly with Human Resources (at my employer) causing them to now twice notify me that I have been terminated. 15 days ago, the claim representative told me he finally has sufficient information to complete my claim and the only two possible outcomes were \u201cApproved\u201d or \u201cMore information Required\u201d. Somehow I found a voice message from last week that never showed as a missed call from the claim representative stating a determination had been made on my claim. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2ea330c646d419ba6063e22eeb3a7c4
encoding: FLOAT32
metadata:
{"chroma:document": "I have moved and am unable to update my mailing address because the account PIN was sent to the old address. There is no other way to change a mailing address than by submitting one's social security number, date of birth and address via USPS mail. That is a recipe for identity theft! Customer service supervisor, Kate, did not help at all and had no other suggestions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f91ac9fdffc14914a4cd98304d220d94
encoding: FLOAT32
metadata:
{"chroma:document": "Be Warned: Anything that takes a phone call to Start taking money from your paycheck, and an Act of God to Terminate said Program. Should be Illegal. Been separated from the Company for over 3 months and still no success, Company says I'm still an active Employee??? That's all I have to say."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a3a2d93fe124004ac089f0a1575525d
encoding: FLOAT32
metadata:
{"chroma:document": "If you EVER intend to buy life insurance, buy it from any other company. Just today alone, have been on hold over 90 minutes waiting for anyone that can help me. I surrendered a 24 year old policy because I could not get any service WHATSOEVER. I was what is called an \"orphan policyholder\" who was assigned an agent 700 miles away, which when contacting their office, was told \"give me the information and maybe she will call you in 2-3 weeks\"... I'm awaiting a $6,200. check. Now today, I finally got through to someone by calling the \"agent commission dept\", but they tell me that not only is my policy not in force, but they can't tell me any status regarding my surrender value check. After 30 minutes on this call, he at least told me he would \"send an internal email\", but there wasn't any direct phone number, or any other type of audit trail that he could offer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49b7ec945cfd41919ca0d11715468c47
encoding: FLOAT32
metadata:
{"chroma:document": "I work at a hospital that uses this service. I was injured and tried to use the benefits from Voya and they made it so hard I gave up on using it. Also Lance of Snohomish is the probably the CEO of the garbage company Voya. Obviously they make it difficult to pay out so they can keep all the money I pay them. Great business plan take from injured and sick people. Special place in hell for people like this!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5bf7c039d9b40299c8848c497ec2147
encoding: FLOAT32
metadata:
{"chroma:document": "If you have any financial securities with this company, jump ship now. I'm a COVID Long Hauler. Left with too many symptoms to list. Voya will use ever tool at their disposal to delay or deny your claim. I have found them to be misleading and deceptive. By their own admission the departments fail to communicate-(reasons for more delays). They will claim they never got your paperwork unless you get it from your doctor and mail it yourself, and be sure to keep confirmation receipts. Send you emails that you cant open. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c28c569367ca46e4aedd6ef8cd5920d5
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m on my 2nd set of debit cards that I can\u2019t use to pay the eye dr or dentist. It is always rejected for not being classified. They will not help you after that. Reminds me of a Ponzi scheme. After she told me that I didn\u2019t actually try to use my card for my eye appointment she came back with \u201cI see the transaction was declined due to Medical Services and Healthcare Practitioners not elsewhere classified.\u201d And if they can keep rejecting it I will lose $1000 in the use it or lose it law."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efd9602e64c34650b0b076c322a7361c
encoding: FLOAT32
metadata:
{"chroma:document": "My employer used Voya for our 401k plan administration for many years now. The few times I called, they were friendly and professional. The only problem is if you try and get your money OUT of Voya. They send a confirmation of the withdrawal a week later, but the check arrived 2 weeks later. Came from same place, took twice as long. They set expectations to get the check in just over a week, and when it didn't arrive they said wait 2 weeks before calling back. Seems to me they are just trying to make interest on your money, delaying your check. Other than that, very good service. Access to your money is important, would not use them again for this reason alone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b43c96ee2e354ca3a443d3f17bb938ac
encoding: FLOAT32
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{"chroma:document": "After leaving the job, my 401K was closed and residual check was to be mailed. However VOYA transferred my money to some unknown account with a financial institution I never have banked with. After over 5 months, they refuse to re-issue a check and have asked me to check and validate with a bank I don't even have an account with. It's circular reasoning and they deserve every bad review they get."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d739a25494b2495d8d3781c7804fafac
encoding: FLOAT32
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{"chroma:document": "If you have a stroke, make sure that it almost kills you or it won't pay. I had 3 strokes over 2022 Christmas. They (Voya) decided it wasn't bad enough to payout. They make up their own rules to fit them! I can't work. I still have issues with memory, Left arm numb and hard to control. Voya called it slight numbness. I can't find where the doctor wrote that in the paperwork. Don't waste your money on this. This company is a ripoff and I will be letter my company (A city) know what they did. maybe we can get it withdrawn from out health benefits. I'm not the only one with an issue with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5752f6d09a6f4fb0b81e5af4f03bdaa8
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{"chroma:document": "My Voya 401k account online indicates that my 2021 YE Required Minimum Distribution was made on 12/29/22. The account is set up for direct deposit of payments and 2 previous payments were made as direct deposits. This large payment had not been deposited as of 1/10/23. When I talked to Customer Service I was told the \"check is in the mail\". I explained that no payments were to be mailed and the rep verified my single bank account used was indeed set up properly and had not been touched. I asked that they cancel said check and I am still waiting for the payment to be made via a direct deposit. I suspect that Voya holds onto client's money so they can earn interest on the funds for themselves before making any actual payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f759298c7d004c9f849f7648ebb375c4
encoding: FLOAT32
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{"chroma:document": "I had a Roth account from a previous employer through Voya which I chose to close and withdraw from. Each time I called I got a different story, and the agents would get frustrated with me for being misinformed and asking more questions. I've been trying to process my withdrawal for over a month and it has been ridiculous. Don't believe them if they tell you direct deposit will take 3-5 days, my employer finally approved my request 6 days ago and my account was at 0 by 1/4 but I haven't received my deposit. After the withdrawal was approved the estimated deposit date went up to 1/10."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c213de52a0604bcebfaf4aaeb8d1d441
encoding: FLOAT32
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{"chroma:document": "Unfortunately I needed to take a loan out against my 401k, not the best idea this I know. With that being said I had no other options. I chose to have it mailed to me for reasons unstated and the process is ridiculous. A check that large should be automatically sent express. I was promised the check by Jan 2nd which is ruffly 2 weeks after I got notice the check was disbursed. It will not be here by the 2nd. I'm a little lost as to why my money (my money) is treated like an informal letter as if it doesn't matter. Also they closed my loan on the following day of the request which I also am not happy with since the stocks fell. It seems Voya is outdated in their services, or maybe is managed poorly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ec02c80a0514470b9c424e432fee1ec
encoding: FLOAT32
metadata:
{"chroma:document": "We are on Day 21 of a \"three day transaction\" with VOYA. The CSR agent blamed the mail service for poor performance of the check being delayed. However I received my statement in the mail before the check even though this was mailed after the alleged day of the check being mailed. Meaning the check was not sent out on the date confirmed. Placed a stop payment and said another 3-5 days to process the ACH check. Take a guess if that happened as promised... No it did not. Liars and they will ride your money and pocket the interests accrued."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1aa72ca2b2948adaee0117d00036d08
encoding: FLOAT32
metadata:
{"chroma:document": "I had a heart attack back on June 23rd 2022, I have been paying for a critical illness policy through my employer since February 2016. I carefully submitted my claim with all of the supporting documentation and VOYA came through and promptly paid out my claim in full with no hassles at all. I was concerned as I had read many negative reviews on this site about them but my experience was nothing but perfect. I rarely write reviews but they deserve a good review on this site based on my personal experience. I am a very Happy Customer. Thank You Voya! Lance"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf3b6cb022f4496ead4a45cb3530a467
encoding: FLOAT32
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{"chroma:document": "I got a life insurance policy in 1985 from this company. Was supposed to be the type that you pay into for several years until it gain sufficient value to be self sustaining. One can then keep paying and it should have gained enough equity to be a retirement account. Has never happened. Paid into it for 37 years now and it is still sucking me dry. The company has the worst customer service ever. Forced to call to make payments to a computer voice system. And you have to search the web to find the right number. The number on their premium notices sends you to an endless barrage of sales pitches one after the other for garbage that has nothing to do with their company. I would never do business with this company again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2ce055eb7dc461c8312268c4a160358
encoding: FLOAT32
metadata:
{"chroma:document": "My former employer, BNY Mellon, the biggest company in the world servicing securities, and a major provider of investment management, outsourced their 401K administration and employee investment management to Voya (formerly ING) several years ago. Hard to understand why they didn\u2019t continue to administer in-house, except that they must have received indirect compensation from Voya\u2019s active management fees which Voya pushes INCESSANTLY. After I retired I was annoyed that even though I had substantial funds left in a \u201cstable value\u201d fund (you can\u2019t get a stable value fund in an IRA, hence I left the money in the 401K vs. rolling over to Fidelity where I have the rest of my qualified savings), Voya still charges me an annual administration fee (not a big deal, just an annoyance, on principle, which I tried to get waived unsuccessfully).  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0d0e54a926c45cb8ad99ff5cb2c79e9
encoding: FLOAT32
metadata:
{"chroma:document": "I have critical care illness coverage through work. Had all kinds of tests, doctor thinks it's cancer. Critical care coverage won't kick in because, even after all the tests, can't find it. Then, it's not cancer but sarcoidosis. An illness which has no known cause and no known cure. Submit another claim. Declined AGAIN. I email asking why and how I appeal. They request information which I provide and then I get no response."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb8d3a5b9df04a6ca1c71db9e8d06093
encoding: FLOAT32
metadata:
{"chroma:document": "I stopped by employment in June 2022 with Compassus. I received a bill for Life insurance on 11/26/2022 for $598.44. I did not receive any prior notification or completed any form to continue this product. I called Voya on 11/28/2022 and requested an explanation for the bill. The response was they just send the bill. I had to request a document to end the product. \"But don't worry - once you send the discontinued document - will no longer affect your credit rating\". This was a policy purchased through an Employer with no follow up once my employment ended. This is a marketing tactic to send me a bill for services I did not request. The bill is a late notice as issued by ReliaStat Life Insurance Company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52a3beccafac42a3a1ca319cdafd8580
encoding: FLOAT32
metadata:
{"chroma:document": "I've called several times over the past year and each time I call I get different instructions on accessing my account information. One employee literally laughed when I explained that I faxed the documents they requested 5 times and she couldn't tell me why my information wasn't updated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e96f1a5aa7642f49d55ee8da86300c8
encoding: FLOAT32
metadata:
{"chroma:document": "I only need two questions I need answered and I have been unable to reach an advisor. The people that answer the phone can't answer your questions. Apparently the advisors must work from home so they leave it to you to contact them. Horrible customer service. I wanted to voice this complaint to the company but good luck figuring out how to do that. So frustrating."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a81f22e828f4a6683b5a20d3e8093c4
encoding: FLOAT32
metadata:
{"chroma:document": "I called them to get a hardship out. I explained the other house I own that the people haven't made their payments on it. I work Law Enforcement and have not been able to work as much due to being injured on the job. The lady said they will not do a hardship or any other thing to take my money out. I kept explaining the house is mine and I was helping a family out. She did not care. After she kept coming up with excuses why they won't give me my money I asked about canceling it. She said, \"Well you can but we keep the money.\" Stay far far away from this company. Not only do they not do what they say they will to get you to sign up they lose your money. My account has been steadily losing money. Not gaining any other than what I pay."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c926e22d47be4e20800ba0afa919876a
encoding: FLOAT32
metadata:
{"chroma:document": "Voya insurance company is a scam. They have a lot of delay tactics and there will be plenty of hoops to get your claims reimburse. They will do everything they can to not pay you. Their sales pitches, advertisements, and brochures is nothing like reality. In March 2022 I suffered an accident and provided medical reports and MRIs and still they denied the claims. I will be reaching out to the Better Business Bureau to file a complaint. On my claim **, the claim examiner Genesis ** denied it stating it was because of an existing illness, yet the doctor's report clearly state otherwise. Also, when I called Voya, there was a representative name Susan, that rudely yelled at me for asking about my claim status. I can't believe such a company that is so unethical is allowed to operate. I regret ever signing up for this joke of insurance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 127c7ffba37a417e873d8a055289bdd5
encoding: FLOAT32
metadata:
{"chroma:document": "I terminated employment and have been trying to roll over my funds to another account for 3 months. Voya keeps coming up with excuses: waiting on my employer, system updates, balance discrepancies that need researched, need a consent form, balance discrepancies again, today they asked for the consent form again even though I have proof they already received it. Every time I call in, it\u2019s a hassle and I get nowhere. I talked to them 3 times this week and each call lasted an average of 35 minutes. Their systems scare me - they often said the balance on one screen doesn\u2019t match the balance on another screen - which is correct?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f19c7d50a764294b5a2f3ec572929e4
encoding: FLOAT32
metadata:
{"chroma:document": "This firm is making it incredibly difficult to roll my 401k funds over into a new employer sponsored plan. Making me fill out the forms is one obstacle, but demanding that the receiving financial institution also send a letter indicating they will be receiving it is downright stupid. It is MY MONEY, not theirs. I can request for it to go wherever I want, that is my legal right. Their tactics for obfuscating their duties as an agent are borderline fraudulent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ad9003f702648549045c173f195c570
encoding: FLOAT32
metadata:
{"chroma:document": "I opted in to Voya Financial through my well-known, reputable full-time employer at open enrollment last December to start my selections January 1, 2022... (told that no changes can be made unless a life-altering event with documentation). At the time, I chose to cover not only myself but also my spouse. Subsequently, year to date I've paid premiums every two weeks deducted out of my paycheck to total approximately $912 and counting... Remember... I cannot stop or make adjustments to the selections.. but be that as it may, one of the benefits offered was that of hospital indemnity. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cb261d5993e4ba188a10de80fe1d016
encoding: FLOAT32
metadata:
{"chroma:document": "This company is just horrible. You would be better off just burning your money, as it may be more enjoyable. They make it impossible to manage your account, give you very limited options with trading, and are very shady about pricing. Plus they have horrible customer service. When you try to do an in service transfer, they will lie and tell you it can't be done just to get you to keep your money there. I don't understand how this is not fraud. Hard working people put their money here and they should be upfront about everything and give you control over your money. They are sharks preying on people. If your company invests with Voya, just say no, or at least figure out how to do a direct roll over to another company. DO NOT KEEP YOUR MONEY THERE!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37d75d715e3045e4968024389d7fe6a4
encoding: FLOAT32
metadata:
{"chroma:document": "Due to a system glitch that Voya admitted to (nothing we did on our end), my husband\u2018s life insurance lapsed. We had paid without problem for over a decade but when we decided to start auto withdrawals for our accounts my premium was withdrawn (mind you this was after 45 minute phone call simply to get the process started) but my husband\u2019s was not. This was almost two months ago and his premium has still not been withdrawn. Between the two of us we called back every week since we were worried after looking at his account online and it notified us that a lapse was pending. The last time I talked to customer service a representative politely told me, \u201cDon\u2019t worry Ma\u2019am. I see you have called back three or four times. His policy will not lapse.\u201d Cut to three weeks later and online it said his policy had lapsed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af106aec1aa34b99ab0747df402d1626
encoding: FLOAT32
metadata:
{"chroma:document": "Will not let me roll over 401K to another institution until I can give them a PIN that they mail to you. So if you never get a PIN, because they won\u2019t or don\u2019t mail it, you can\u2019t access YOUR money. WILL NOT help in any way without the PIN. So according to Voya, your money is theirs until you receive a code that they send you to give back to them. Does that make sense?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d892b353eaac49c5890618e449c865fe
encoding: FLOAT32
metadata:
{"chroma:document": "Voya has not allowed me to withdraw my account for the past two years. I am 100% disabled by the VA and Medicare. I've been disabled for over 10 years. There is no legal reason to withhold my earnings. Since then, my account has lost over $25,000.00."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58e5c5c69c5a4e42a5ce5a83825c3cfa
encoding: FLOAT32
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{"chroma:document": "Have put a withdrawal request in since July, they said I didn't have all the paperwork in, I faxed it to the number they told me and 2 weeks went by before I called back and they said it wasn't in their system. I overnight it to them and the tracking number said they received it but once again they said they didn't receive it, this company is very unprofessional and if I could I would get my money out and go somewhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cdedefa0ff54a44bda75298d22300fb
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m attempting to withdraw money from my 401k. Was supposed to take 3 to 5 business days. That rolled by. I call to find out why it wasn\u2019t deposited into my account. Now I\u2019m being told 8 to 10 business days. REALLY! 2 weeks to make a deposit into my bank account. Unexceptionable. Super upset!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f6b91cc353a41afbae2b416da23e9aa
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metadata:
{"chroma:document": "I recently decided to close my Voya 401k account and withdrawal my money. It was only a small amount and is a termination withdrawal. They don't want to do it and only give me the run around. They send the request to a third party to approve and they are not allowed to tell you who or give contact information. Basically it's been a month of waiting and still nothing and there's nothing I can do. Honestly I feel they are waiting for the value to go down before finally approving it. I emailed Voya several times and they told me to call the emoyers Voya representative. Who in turn just told me they can't tell me anything. I've never had such a poor experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e89116424a474c8b9ea46ecef79cc0c6
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{"chroma:document": "I somehow ended up with a small amount of money in an old 401 plan. Only about $90 bucks. So I thought I would just have Voya send me. Check. No big deal. Voya charges $150 to send you a check. KMA Voya. Keep my $90 bucks. You apparently need it. However I will give you $9 million bucks of bad press and never give you another dime."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b5d66d4879d4e698b0b82176961cde3
encoding: FLOAT32
metadata:
{"chroma:document": "I am over 65 y.o., and have been struggling to get a hardship refund from Voya Financial for over a year. The school I worked for has been defunct for over five years. Voya has misdirected me, misrepresented information, and lastly has sent me incorrect forms three times. According to a supervisor, the \"correct\" form I needed sent, completed, submitted, and then two weeks later, I received an email stating it was \"an old form,\" and the correct/new form hadn't been created yet, so nothing could be done! There is NO recourse, no one higher to intervene or help unravel this. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60e48825ce324fa9b8b19f8d602add67
encoding: FLOAT32
metadata:
{"chroma:document": "I have been thoroughly disappointed with Voya. I have been in a financial strain for a while, so I decided to take a loan from my life insurance policy. I called on 7/11/22 and completed the paperwork. I was told that I should be receiving a letter in the next five days. However, I did not receive anything. I called again on 7/14/22 and was told that my check had been mailed. I am four hours from Atlanta where the check is coming from. But, on 7/20/22 I still had not received the check. I called again and was reprimanded for the number of times that I've called to inquire about my check. I was told that \"a realistic expectation\" would be to expect it on 7/28/22 or 7/29/22. I'm four hours away from where the check was mailed and it's going to take 15 days to get to me! I don't expect to have this money anytime soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c38b47991ca4c70892bc21cfe18b533
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{"chroma:document": "April 2 2022 we made a request to withdraw funds (six figures). It is July 17 and we are still not close: Going on 4 months. All transactions done by mail. Not one person has been able to give us a step by step. We find out there is still a problem after a couple of weeks have gone by and no action has occurred. We had to do live letters to transfer funds from one internal account to another. They took the money on June 22, two more letters later, it finally arrived in our account on around July 7. Two plus weeks for an internal transfer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5628bd5ee463478795062237f401cd0a
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metadata:
{"chroma:document": "Voya is just another corporate monolith that provides horrible customer service. NOTHING is simple with Voya. The website is a train wreck. It loads slowly but, more importantly, is so badly designed that even the simplest of tasks is difficult. So then you're at the mercy of their associates. While they are generally polite, they are very poorly trained. You consistently get incorrect, incomplete, or contradictory information. Their arbitrary rules are confusing to everyone - including them! - And make everything unnecessarily difficult. Taking distributions is a nightmare!!! Again, EVERYTHING is unnecessarily challenging and frustrating. Voya's attitude is that it's their world and you're just living in it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d71de1b3c884d18b8c33f23696ee662
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{"chroma:document": "I retired on 11/30/2021. Family dealing with COVID-19 long-term health problems and many unexpected never-ending bills. Contacted Voya, and submitted all required documents. Submitted forms twice. Also, this is a company that has been withdrawing money from my bank account for many years. I have not changed any of my banking information. However, I still had to get papers filled out and send them back to Voya for verification of the same bank. They already had this information. I waited and called several times. I was finally informed that an administrator had not responded which was causing a delay. That was all needed before releasing my money which was a requested termination. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ee4e3ff485443a6ad8dd998e412b990
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to get access to my retirement account, and the company is not able to help me. I called five times, and every time I get different instructions, and get passed down from one person to another, and nobody is able to help me. The only thing they tell me is \"we cannot get access to your account,\" and then pass me down to another department. This has been going on for two months. The company has my name, my social security number, and my former employer information - yet, they cannot get me an access to my account. I am at a loss of what to do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2194482d4476448fb3ce0ed9bb798be8
encoding: FLOAT32
metadata:
{"chroma:document": "I recently took a loan against my 401K for a home purchase. Was told by Voya that a check would be mailed. Did not receive. Phoned Voya. Was told I have to sign a document (had not be told this before). Where is document? Must be signed and faxed. Finally locate document and send back via efax. Voya cancels application because I took too long (only 2 days had passed and the documentation said I'd have 30 days to complete paperwork). New application started. Was told a check was sent via UPS for an extra fee of $50. No tracking number available. No check arrived via UPS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a06646fd49224a24a9b8f8f4b99a2ab0
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{"chroma:document": "So, our central air went out. In NC, in spring time. The HVAC guy told us it would be $4500 out the door for a new system. No problem. I called Voya, and got the information to pay off a small balance on a previous loan, so I could get another loan for the $4500. I have been with the same company for almost 25 years, and have quite a bit in my 401k. It is my preference to use it from time to time as needed for emergencies to keep from draining our savings. I sent the check to pay off the balance of the old loan. I got a cashiers check ($8 fee) and sent it via overnight mail ($26) through the post office. The check arrived the next day and the payoff was reflected on my account the next business day. Things started to go downhill from there. I went online to get the new loan, and was met by a message that said I wasn\u2019t eligible for a new loan for 8 days. Seriously? Why is there a waiting period to get your own money?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9903af11d0b947e0b6ab70ea6fc3fcf6
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metadata:
{"chroma:document": "I was told that I was getting $717 for my hardship loan after all the taxes and fees but instead got only $581. They lied and mislead me to what I would actually be getting. SMH. Worse customer service people ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4692060817c8404b87d12eb82cb6996a
encoding: FLOAT32
metadata:
{"chroma:document": "I am required to use VOYA due to a partnership with my employer. They have disappointed me every single time I have interacted with their website or customer service staff. Anything you want to do with your money will be made more difficult through working with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc65dda71e1247ada9f08fda38ddfd3e
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{"chroma:document": "I purchased a $10,000 lump sum VOYA Critical Illness Insurance through my employer. I suffered a heart attack in September 2021 and submitted a claim a month later. Heart attack is clearly one of their eligible conditions to receive the benefit payout. After submitting all my paperwork, they asked for a specific form from the hospital, a UB-04 which I obtained and submitted. VOYA then paid out $700, not the $10,000 lump sum they clearly owe me. I've paid nearly $700 a year for this policy since 2018."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27a306f9577a49eebac1ea37f3428068
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metadata:
{"chroma:document": "Deceitful conflicting correspondence. Delay after delay. Mismanaged. Out and lie to you. I cannot believe UPS is even associated with company. They can't correctly process a simple hardship withdrawal correctly. How are they handling our retirement. All of the UPS folks that have had problems should start contacting UPS Corp Compliance and Ethics and make complaints."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16c9c1a0da6c4bd085a5d1e84123b50d
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{"chroma:document": "Trying to get 401k disbursement from Voya as plan was terminated. Filled out paperwork and sent it in in Dec. 2021. Here it is March 17 2022 and still waiting. I have talked with numerous people including supervisor and get the same answer - call back in 10 business days if check doesn't arrive. Same run around. Then they claimed I needed a pin # that I never had. I was told that pin would be overnighted to me by UPS. Nine days later I am still waiting. Then I was told again that check has been issued and mailed. My bank has still not received it. My opinion is these people are very dishonest and are trained to lie to their customers just to get them off the phone. Will definitely not deal with these people again. Not sure where to turn for help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I made a claim w/ the Security Exchange Commission after 3 months of the run around. They wouldn't close or quit charging me. Finally got it closed after 2 months of calls. I didn't need a specific pin to set up the account online and give them my money. However when time came to cash it out they claim I needed a different pin that I never set up when I enrolled?!?!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f205cf5e1a34e879a877f0aa8f03310
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{"chroma:document": "Mid year of 2020 I set up a 401K plan for our medical practice. I entrusted a local Financial Advisor to guide us through the process. My preference was fidelity or Trans America. Our advisor persuaded us to go with Voya. Big mistake! The customer service is almost non existent. I have had Fidelity and Merrill Lynch and could always get support right away. In January of 2022 I decided to change my personal election from moderate risk to conservative risk. I went to the website and changed the election. In reviewing my account in early February I saw I had lost significant money and that I was still in the Voya managed funds. I emailed and called. Days later I got a callback. The person I talked to said she could see where I made the change but could not figure out why it did not change in the system. I went into my account again and changed the election."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7f15921b74a45c5bf00666a5b91bbff
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{"chroma:document": "I trusted ING which became Voya with my retirement and investment savings. Bad move on my part! During a bull market from 2012 - 2020, I made little if any money with my investments. When questioned, Voya didn't take responsibility nor did it (Michael Smith) ever apologize for such inadequate investing. I have now moved most of my money (most not all because Voya's recommendation of investing in Pershing which disallows liquidating your money unless they want you to or suffer the financial consequences) to Vanguard and I'm happy to report that even though I'm an English major, my investments are doing better than they ever did at Voya."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6ade9c4588c4ae689491168d228d57f
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{"chroma:document": "I had a small 401K housed with Voya through my old employer. I was laid off unexpectedly after only 6 months of employment not to mention during the process of moving across the country and would rather cash it out than roll it over (I could use the money). Not only did my $250 quickly become $106 with all the Voya and plan fees, they sent my check to my old address! I specifically told the rep I was moving and she agreed we should update my address before initiating the cash out. I told her my concerns and she assured me it would be sent to the correct address. Fast forward one month, I\u2019m still hurting for money and I call to check the status only to find out the check was sent to my old address!!! Why is it always something?!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c0002c885054303bcdbcfeca90e84c8
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{"chroma:document": "I have spent 3 weeks just trying to rollover my 401k from my previous employer into my new employer Voya 401k. I thought it would be easy rolling over a Voya 401k directly over to another voya 401k. 3 weeks, two hours on the phone and about 5 different people all in a game of phone tag. There was no clear directions for someone like me (never having done a rollover before) as to what information I needed to compile and how to execute the rollover. After the 5th person, I had a good idea of what to do and then I called back only to find that they cancelled my checks without telling me. I would have been waiting for those in the mail and nobody had the courtesy to tell me that I would need to have them re-issued. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74303cc6e33b4311afe2c9c6f38b551c
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{"chroma:document": "Wife had allergic reaction to something that gave her SJS Which gave her major organ failure and was in critical condition! On their list of covered conditions and denying claim they are 100% selling false insurance/the brochure you see is not the actual cover which you can\u2019t see til you buy so basically selling in bad faith and also way to deny legitimate claims!! Warning false advertising and selling of insurance and deny legit claims stay away!!! They are in our opinion a fraudulent Company that should be closed!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8702157fcfbd4c2f9eac4111947a0946
encoding: FLOAT32
metadata:
{"chroma:document": "Voya is not honest, and they are very difficult to deal with. They make it impossible to get a withdrawal of funds. For example, they claim to have near a 4 Star rating. Look for yourself. They have their 460 odd reviews here for you to read. There are 35 reviews per page, I looked at the first 7 pages, these date back to 2017.  Of the 245 reviews all but~10 are 1 star ratings, how is that an Average 4 Star rating. It's not, it is simply a lie and it is characteristic of this company. Like me, most of their customers hate them because they are arrogant people who do not care about their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23c36fdd8d10433aa289424d09e99707
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metadata:
{"chroma:document": "I tried to unenroll from their program and I was told I could not. They will continue to pull money from my paycheck till I retire or quit. Website claims they are voluntary. What a joke. Voya = scam!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38f3cec6a4c74fa582ddc3f323df92bd
encoding: FLOAT32
metadata:
{"chroma:document": "Their website is awfully slow. It takes 30 seconds to load pages in the back end. It's actually painful to do anything in your account because the pages take so long to load. Their customer service consists of ignoring your preference to be emailed, and instead leaving voicemails. And of course, they don't follow up. Their process for rollovers and withdrawals is terrible. They made me call to initiate the rollover, then emailed me paperwork. Why can't I download it on your website? Why do I have to call to get a PDF? They want a letter of acceptance to carry out the rollover -- but provide no guidance in how that letter should be formatted. Getting my money out and see ya. \u270c"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ca6b07a49a445efab238ce12409c46f
encoding: FLOAT32
metadata:
{"chroma:document": "Nearly died of covered infectious disease and complications from infection. Paid into insurance for thirty one years, only to get the denial, appeal, stall and not pay. I question their mission statement about ethical and exemplary service. Desperate calls were met with..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab132ecc03ea4eb7961474b96bfa408d
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{"chroma:document": "I was told my check was mailed on the 29th, then they said, it was mailed on the 4th, then the 5th, and finally, a manager (who was extremely useless) told me it was mailed on the 7th. I asked for solid confirmation, because I am tired of being lied to. He said he would call me later that evening with that information, he never did. I still haven't received my check, and at this point, I probably won't. I pity any poor soul who has to suffer the insolence of a Voya customer support person. This has been a horrible experience, and they absolutely do not care, especially if you need this check for your livelihood."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fed35e3a07dd46eb92dbda55c19428b4
encoding: FLOAT32
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{"chroma:document": "This company is the worst. They stall and stall any withdrawal. It\u2019s always some excuse why you cannot access your money. Do not use this company. When you start to close in on getting your funds they try another tactic. \"We didn\u2019t get your paperwork\" or the timeframe has expired."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08f1c324b722448fa8af77b035790c91
encoding: FLOAT32
metadata:
{"chroma:document": "Voya Insurance will rip you completely off! They claim to have low rates on policies that are higher than average. The cancellation takes about 2 months to process. During the process they still charge you for the cancelled policies and your refund will be way less than the money they took in payments. I do not recommend doing any business with this company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54a9c87fc17448d585dd0b385b885081
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metadata:
{"chroma:document": "Voya recently began promoting an emergency saving connected to a member's 401k. I had been putting money into that for over a year, designated as after tax savings. I submitted a request to withdraw that money on Dec 10, 2021. That request was approved and noted in their automated system since Dec 13, 2021. The automated message said that the funds would be direct deposited on or before Dec 21, 2021. However, they couldn't manage to deposit that money early, and was not deposited on Dec 21, 2021 as promised."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 353a4366f8d644e69687a43117e9d78c
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{"chroma:document": "I am currently doing a rollover from Voya. Last Friday December 11, 2021, the process was started and all the info that was needed from myself was detained and the process started. After a half hour to 45 minutes the process between I and the voya employee was over. What was to happen next was for voya to send the email to the employer for verification and approval. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f564454e186e479fadc280989d9f245e
encoding: FLOAT32
metadata:
{"chroma:document": "After submitting all the necessary paperwork including the judgement that I would be evicted Voya still denied my withdrawal. I am now homeless because of them. Please believe they do not care about anyone least of all you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 555575e5d14e4469b035e975ca4ab26f
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{"chroma:document": "As a retired school teacher, I am shocked at the the stalling tactics that the financial corporation Voya Financial is using to avoid giving their retired clients their well-earned retirement proceeds.\u00a0Voya states that their policy is to issue clients requested withdrawals within 7 days of the request. Yet, since October 19, it has been three weeks since my initial request for a partial withdrawal. And I've been given nothing but lame excuses. After researching Voya Consumer Reviews online, I'm finding that there are several other retirees with the same experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ff9ce7f2941415c9947184449720a08
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metadata:
{"chroma:document": "It has been a month -so far- and so far I\u2019ve submitted the same documents to Voya for my 2 accounts 4 times for each account! They would say they hadn\u2019t received the documents from me or my new company or my 3rd party administrator, then, when pressed, they would miraculously find one or two of the three documents. When they finally completed one of the account rollovers, they said they still had received 0 of the three required documents for the other account, even though 3 separate entities had sent the documents for both accounts at the same time. Finally, after I\u2019ve had to complete my application with my new company 3 times -so far- they send the check only for it to be returned by the bank! I\u2019m at a loss!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e5d1b9a5c794ff5a7f84ef4aa4d2cbf
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metadata:
{"chroma:document": "Voya's IT team decided that one hundred million Mac and iPhone users do not deserve full access to their platform via Safari. Want to see your contribution history? How about matching contributions? Nope. Is there even a warning on the site that Voya discriminates against Mac users? No, but there should be: \"Here at Voya, it's 1990.\" Even Samantha, the aloof customer service agent who deigned to talk at and over me, needed 21 minutes to suggest \"my\" problem was my browser. I do not trust this company. Deposits take nearly ten days to show up. I was forced to open an account here. My financial advisor cringed when I spoke 'The V Word'. \"Brace yourself\" he warned me. \"It's nearly impossible to ever get your money back from them.\" I'd have been better off stuffing my mattress with cash. At least I'd know where it is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 120ce6bd72de48b3af0dce4fbb3d2ff5
encoding: FLOAT32
metadata:
{"chroma:document": "I was forced to make multiple calls to the customer service phone number regarding a withdrawal request from my retirement account due to erroneous information being shared with me multiple times and, ultimately, failure to execute the withdrawal request with me which cost me $ and significant follow up time on the phone yet again. In my final call, I demanded to speak to a manager and waited 15 minutes on hold until I was connected. The manager provided me with a completely different solution path to my issue and could not explain to me why multiple agents I spoke to prior to this over three weeks failed to provide this information. If I had the choice to move this $ to a competent company, I absolutely would (I'm a government retiree). If you have a choice with your retirement $, stay away from VOYA!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d050dc9154be46c78723dc564e9cc132
encoding: FLOAT32
metadata:
{"chroma:document": "This company not only waited until I had ten days left to rollover my money before mailing out that notice and the information on how to do so, but when I got it from them it was a day past the due date to roll over my money. Not only did I lose a huge chunk because they automatically made it into a check and sent it out before that day had passed, but I had to pay a fee for being under 65 to them for electing to have money withdrawn instead of rolled over, on top of that I had to pay a transaction fee so I ended up receiving less than a third of all my savings. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7229d3b5b42043c0afcb24ba1ae882cc
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metadata:
{"chroma:document": "In order to roll over funds they require you to FAX or mail in signed documentation (9 sheets total, only 1 requires any signatures). I have a feeling this is intended to slow down the process which is a very shady business practice. I've done about 2 transfers before and all were done entirely online via a form or email if a signature was required."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 759561955fd54e9e99919c075f9d5746
encoding: FLOAT32
metadata:
{"chroma:document": "I will echo what others have stated in reviews of Voya... The company has deliberately made it agonizingly slow to retrieve your own money. Today I called my financial guy at Avantax for a 401K distribution to cover wife's catastrophic medical expenses. It took a 5 minute phone call and my funds will be in my bank in 4 days. Like an insurance company... Voya wants you to send them money... They do not want to send you money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a2add9031554463817a34b17ec6abfe
encoding: FLOAT32
metadata:
{"chroma:document": "After withdrawing a small amount from my 401K, and having to wait 2 weeks and make phone calls and fax papers repeatedly - I decided to roll over my account. They supposedly cut the check and mailed it 8/2 - I requested another option than USPS First Class - and I was told no other options were available. When the check didn't make it after two weeks, I called Voya, and was told that if they issued a \"stop\" the check could take another 2 weeks. So I waited. Still no check, but now I insisted on express mail and tracking. All of a sudden - they agreed to it (after keeping me on hold for 20 minutes). I still don't have a tracking number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f366ccb230f64e8e948abac27622d971
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{"chroma:document": "Voya is by far the worst website in terms of performing any function within the website. First of all, the response time is extremely slow. Additionally, a lot of the functions don't work at all. I have tried calling the support and spent hours on the phone with them and they weren't able to help me. I have never had such a bad experience with a financial company before so I highly recommend that you look somewhere else such as Fidelity, Vanguard or Schwab for a retirement account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b925e43767e34d2c8852173b35743f25
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metadata:
{"chroma:document": "Over 9 months of communication about the residential loan request process. When the time to submit the request came, it took 3 different phone calls over the course of a week to determine exactly what they needed as the initial list morphed. Despite submitting the requested info and customer service representatives \"documenting\" info, the loan request was denied. Each time they requested the same data/documentation submission and promised the loan reviewer would reach out if they needed any additional information. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 512225036e8444ef917b7cc016bd6b58
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metadata:
{"chroma:document": "Please don't put your money here. Please dear God don't. They really don't care about you...you are a number. A statistic that gets them a bonus/raise. It's only about their stock price and not your retirement. Their website is incredibly horrid given so many resources that they could use to make it work. Their online and phone line people are clueless. And just try to get your money out... it is your money. Why can't you give you your money? All these forms and \"approvals\". And they only take FAX?? Move into the 21st century folks. I can email you my form. But VOYA says no. Or God forbid DOCUSIGN??? You only take fax? Why does it take weeks to get a withdrawal from a retirement account? Bad company. Bad staff. And bad choice for an institution that is supposed to support you in your last phase of life. Run from VOYA!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10ef6480046344efb08a79e1e05d13f2
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{"chroma:document": "My former employer switched our retirement accounts from a different financial firm to Voya in mid-2020, and told us several times beforehand that this would be happening. I then got a statement from the previous account holder saying my account was down to zero because the transfer had happened. It was a bit unnerving to see everything down to $0. I was hoping to see one from Voya soon confirming the money was with them now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9824809d17f455bad330bb449a5a130
encoding: FLOAT32
metadata:
{"chroma:document": "I am taking out a withdrawal of my own money for my first home. So far I have had to push back my closing date four times due to Voya's incompetence. Evy single day for the last month I've called in to Voya to be told the latest news on why my application was rejected. Most days I have spent at least 1 to 1.5 hours on the phone with the newest customer service rep - I am told something different daily. I've been given 3 different supervisor's direct numbers. They never call back when I call. I always leave messages, but no return calls. So I have to waste my time calling back in and explaining my account to someone new - no one is ever able to do anything, and no one is ever able to give me clear definitive answers on what is going on. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f855223a40584ab0aa20ce0a4c294438
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{"chroma:document": "I have been trying for 4 months to get my retirement account distribution. I've spoken to customer service at Voya 5 times. I've also contacted the plan representative who initially signed me up. All without resolution. Every CS agent has a different excuse for the delay. All have given conflicting and misleading information. Their tactics appear to be to delay as long as possible. You only have a narrow window to complete overcomplicated paperwork. They require YOU to contact your former employer and obtain authorization to access YOUR money. Employer did not contribute to my account, but I need their permission to get the money. It's all a shuck and jive act. I would advise caution in dealing with Voya! I'm going to make a few charity organizations my beneficiaries when I pass. Voya will cheat me, but may not cheat them and some good may come from their deceptive, overly complicated, antiquated and obstructive practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9267dfcba4ea462d9b3a025178082d02
encoding: FLOAT32
metadata:
{"chroma:document": "4 months later after my grandma passed and they haven't sent the paperwork for her IRA. The automated customer service line has terribly long wait times and the representative was snippy and rude. Avoid this company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1715746d62f4492982189e7da07cae9
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{"chroma:document": "My four siblings and I inherited money from my mother's VOYA IRA upon her death in October, 2020. Voya finally got around to setting up the individual inherited accounts on 02/03/2021; two or so months after my brother sent the paperwork in. Here it is, March 31, 2021, and I still don't have online or automated access to my account. It is usually a tedious 30 minutes to one hour on hold to get to the correct department and/or a Voya rep who has a clue about inherited IRAs. Because I had an employer sponsored retirement account through Voya 6 years ago, every time I enter my social security number on the automated line, or try to log on the website, I get sent to the employer-sponsored department, despite that account being closed for several years. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da119dfc899a4e148906dbc1aa8853ec
encoding: FLOAT32
metadata:
{"chroma:document": "The worst - the WORST - customer service imaginable. Don't even think about investing with this bunch of amateurs. My company had our 401k with Voya. I was approaching retirement and asked a very important question, and was given a 100% wrong answer, which almost kept me from pulling out funds for my son's down payment on his house (an early inheritance gift). They reviewed the recording of the conversation, admitted she had given me a totally bogus answer, then pretty much shrugged their shoulders and said, \"Whoops!\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d82082987ff446e49b8b6bb3f542bde9
encoding: FLOAT32
metadata:
{"chroma:document": "It's like they purposefully do not want you to access your funds. First off, it asks for some pin you've created 30 years ago, if you choose the other method for registration, it starts asking for tricky questions which most people fail to answer since it's more like an LSAT test than an identity verification. EXAMPLE: It may ask of your street name, add a weird number to it while consider it the correct answer since it's only asking for the \"street name\" and it doesn't care if the street name has a number in it. However, if and when you pass this horrid registration, it will keep loading and loading and loading and then it will fail the registration. Absolute scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4bacfbb9d924287a270da18dd3f86c5
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metadata:
{"chroma:document": "Due to a merger, I was forced to transfer my 401k from Fidelity to Voya. I was not given the option of rolling it into a self-directed IRA, even though the new company had not paid me any of the funds in the 401K. At Fidelity, if you violated the frequent trading rules, you would be notified on their app and you could call them to have it explained before you received any restrictions/penalties."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3282d7ec7cb04132b8f428805ff80826
encoding: FLOAT32
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{"chroma:document": "I recently retired and requested to close my retirement account and have the funds transferred to another qualified account after filling out all the necessary paperwork more than a month ago and am still waiting for the funds to be transferred. The representative stated the person responsible for processing the paperwork is busy because they are a lot of people that submit their paperwork etc. If the company is overwhelmed with administrative processing requests then they should hire additional personnel or pass off the contract to another financial institution that is more competent and capable. There is no delay in taking the money, there shouldn't be a delay in giving it back, at least not anywhere near close to more than a month now and still waiting. From reading the other reviews this seems to be an ongoing problem with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29ffa6bcb4f945b3a2bd8060c16c9a25
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{"chroma:document": "Tried to clarify an issue with my 401k pension fund. Without going into personal details, sadly enough I have experienced the worst customer service in many years!!! Even the supervisor was rude and basically insisting that they won't compromise at all. No solution, no suggestions and no support as to how to resolve my issue. Even 1 star is way too much!!! They all should be ashamed of themselves and their profession!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2a53849a1004aa980ab15e3d0989dfe
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{"chroma:document": "My mom passed away and I have spent more than 2 months trying to get this settled. No one knows what is going on. I had my attorney assist in filling out the paperwork. Faxed it in and got a phone that they are sending another paper because they gave me the wrong one. I have contacted her local agent who has never returned my phone calls. His name is Jeff **. He's horrible. I am pulling my mom's money out of there. I don't trust them and you shouldn't either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51b1702c3dd141258435e630f4c554d6
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{"chroma:document": "I worked for over decade under their retirement plan, and when I left my employer, I utilized my retirement to purchase a house and property. Voya did not allow me to pay for the entire property purchase amount, but sure had no problem allowing a withdrawal + penalties to cover the difference. My purchase amount was about 1/3rd of my total retirement. I paid the extra $50 for expedited mailing on my checks; they charged that no problem, but then forgot to actually expedite the checks and sent them standard mail.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77ad2d46d8144ca4a427dd21514152e6
encoding: FLOAT32
metadata:
{"chroma:document": "I faxed in a covid act withdrawal form to this company twice in December 2020. I sent the first, never heard back and finally called to have them tell me it wasn't readable. No biggie, faxed another the 27th called the operator that day and he confirmed he could read it and told me I was all set. Wait three weeks for money nothing, call them and they say that the second form was unreadable as well. When I tell them to pull the record of the conversation they give me the run around and keep repeating they can't do anything. I send them a fax verification and a hard copy of the form and they do nothing. I will sue them, but it's ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cbe05ad35ab4207aea7671dbcfba958
encoding: FLOAT32
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{"chroma:document": "I am disappointed to report similar poor service from Voya. I requested my 457b account be closed to rollover to my new employer. Voya was slow to get me the funds and issued a paper check (mailed USPS). After a few weeks it came and was made out to the wrong payee. I called and had a stop payment and they were to reissue a check to the correct payee. They sent a second paper check addressed to the same wrong payee, again it was sent USPS; this took a couple more weeks. The third time the representative was nice, looked it up and acknowledged their error stating the notes stated the correct payee. She stated the check would be expedited 24-48 hours. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3aeace93217947dbbc4190649fdbb990
encoding: FLOAT32
metadata:
{"chroma:document": "In October I inherited an IRA from my father. My siblings kept their IRAs with Voya but I chose to transfer the funds since I had investments elsewhere. First my paperwork (sent with my siblings\u2019 paperwork) was lost, my siblings accounts were set up with no problems. My paperwork was resent and my account was immediately placed under review. I\u2019ve been given two dates that the check was supposedly mailed only to then be told it hadn\u2019t been mailed. Two months later I cannot get anyone to give me any answers. My next step is an attorney. Do not give Voya your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b246ae69c0054d3cab7ff740bd94db17
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{"chroma:document": "At the end of September 2020, I attempted to change my direct deposit banking information for my annuity that Voya manages. The online request did not work and so I followed up via telephone to Voya's customer service help line. It is now December of 2020 and after numerous telephone calls, multiple hours of speaking to different customer service representatives, being placed on hold and pleading my case to make this simple change, it has yet to be done. This is by far the worst customer service experience that I have ever had. I need my monthly annuity check to go into the proper bank account so that I can cover my bills that are being deducted from that account. I am tired of the run-around and would like this situation to be resolved as soon as possible. I did not choose Voya to manage my annuity and given the choice I would never do business with them. Steer clear of this financial institution!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 263b37e34e584eacb4b3433c6d87e1b1
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{"chroma:document": "When I try to pull money from my account they were not knowledgeable, and not helpful. Treated me Poorly. Did not try to help me at all. Call back several of time and got a different answer why I wasn\u2019t able to get my money. Seemed angry that I even bother them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 369644de7e424851bdf155196b4396a0
encoding: FLOAT32
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{"chroma:document": "Over a month I have been attempting to withdraw funds from my 401k through the early COVID withdrawal program. They just need to send me the forms to start. They say there is a glitch in their system but I will receive the forms within 2 days. I\u2019ve called many times but NOT gotten ONE SINGLE REPLY/UPDATE. Tried emailing instead.. They replied 2 days later only saying they are \u201cresearching\u201d and will contact within two days. That was last week, no word since. Tomorrow I will file a complaint with the BBB... I believe VOYA will delay until the early COVID withdrawal ends (in 6 weeks). Ultimately denying me legal access to my own funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d4511878e784db2ab230833aac732e8
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{"chroma:document": "I have requested to close/sell the stocks of my father's estate. I provided death certificate and my court appointment showing me as the legal rep/executor. Started the process in August and still no results. Followed their instruction completed forms. Each time something is missing according to the rep. so we are asked to complete another form. Week after week we have called. Still waiting to get this resolved. I would never recommended. They will take your money but when time to sell it and close the account there is a runaround. My next step to get an attorney."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7f2ff5f50d84cd1a66e8aae9bde9b7d
encoding: FLOAT32
metadata:
{"chroma:document": "I broke my leg on 7-13-20. I promptly started my claim. It is now 09-16-20, and I have yet to be paid. I was told the wrong amount of the check 3 times. I was told it has been mailed out, it has been ACH deposited, it has been returned. All of which are lies. And I am fearful to file the rest of my claims because of the hassle and stress Voya causes. I'm am so sick and tired of hearing \"2019 most ethical company\" every time I call them to see what lies they are telling now. These folks don't even deserve 1 star let alone jobs. They are worthless and a horrible company. DO NOT USE THEM! BUYER BEWARE, THEY WILL LIE AND STEAL YOUR MONEY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 164a144b51f546498be1d9f36a7c9966
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{"chroma:document": "I retired from my company and have been attempting to withdraw my funds from Voya since July 17th. They continue to tell me that they haven't received the faxes that my former employer has sent them on four separate occasions releasing my money; however, they received two faxes that I sent. My former employer even sent the forms directly to a supervisor's fax, and she claimed she didn't get them. DO NOT INVEST YOUR MONEY WITH THIS COMPANY! I'm filing a complaint with every agency I can find."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac305975a71744fb9ee0307299836a6b
encoding: FLOAT32
metadata:
{"chroma:document": "I have a plan with VOYA - recently I tried to do a withdrawal under the guise of their reasonings. I faxed all the proper paperwork into them 12 times. Why 12? Because each time I'd call they'd say something was missing. Faxing is antiquated, however this is their rule. After 12 attempts they finally said they had it. One of the documents is a certificate from my employer that you print from My Retirement Manager, again that was faxed 12 times. I called back to get the status only to be told I need a trustee from my employer to do their part. I called my employer and they stated they had no idea what this means and asked if I printed the certificate from My Retirement Manager, I said yes, they stated that's all that's needed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 33cbb0b3e8e64a0b9bfc1fb7351a3d3c
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{"chroma:document": "I was furloughed in April due to slowdown in gas and oil and Covid19. In June due to the continued slowdowns my position was eliminated. The job I was with had Prudential for my 401k and doing a withdrawal with them was the easiest thing I have ever done. I did everything online in 5 minutes and had the money in my account in 4 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fde2ac92a7754f0c96abedb2f0d8a7bc
encoding: FLOAT32
metadata:
{"chroma:document": "I requested a hardship withdrawal on 7/14/20. I requested this been done via ACH and deposited into an account that they have had on file for months. The transaction was completed on 7/16/20 and \"supposedly\" ACH sent. I say supposedly because the money was never received in my account. I called them twice a day every day over the past 10 days. Each day they assured me that money would be in the account the next business day. I talked to several representatives, each one assured me that the money had not only left their offices but had been sent via ACH to my bank account on record. I verified the bank account information with them, which was correct."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d05169bba034e57adc168a326a2fd83
encoding: FLOAT32
metadata:
{"chroma:document": "My employer now uses Voya to manage my 401k. The transition occurred at the end of March(2020). As of July 20th, 2020, I am unable to access my account online. I have called and emailed them numerous times. They have not responded to my emails, but have responded via phone only after I asked to speak to supervisor. The supervisor I have been working with has at least returned my calls and tried to keep me informed of their IT departments work on fixing the problem. However, three months seems very excessive to fix a problem with accessing my account online. I would recommend taking your business to another company if able to."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a269424ddd94674b38ce190a48df202
encoding: FLOAT32
metadata:
{"chroma:document": "On May 22nd, I requested a withdrawal from my 401k. It was agreed that 20% would be taken out. The rep I spoke with read a statement that I had to agree with and confirmed multiple times 20% would be taken and stated I would receive my funds via direct deposit within 5-8 business days. On Monday the following week, I checked my 401k account and did not see any type of hold or pending transaction, so I called to double check that my request was being processed, which at that point the second rep I spoke with said no, because there was a question in regards to the amount of taxes I wanted withheld. I said, \"How can that be? It's 20% and I was very clear about that.\" The rep went on to say that the way the first rep wrote up my withdrawal request was unclear. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f154c3ae1b14808a9199b29cf0cc1cb
encoding: FLOAT32
metadata:
{"chroma:document": "I was previously with another 401 k but was switched by company LHC to Voya. I was never given a PIN number. I recently contacted Voya, due to I left company, and wanted to roll over my 401 k to my present 401 k company. I was told that my job did not show that I had left and that I would need to wait until out of system. They never mentioned requiring a PIN and had all my personal information. I contacted them again today and was told they could not help without a PIN (same one I never got). I was directed to their website and still not able to get what I needed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52c4e716ec3a471c954879f39c3a59ad
encoding: FLOAT32
metadata:
{"chroma:document": "If there is a chance I can leave 0 star I would like to, Be aware, this company is lie to everyone again and again, I divorced almost a year ago, we trying to set up account from the retirement 401 doc from my ex, however, I have my ex work company sent the file to them, they said they are waiting for the doc, I even have the proof that the work company did send via email and all records. I am wondering if anyone could help me out this like sue them to fake react for this? if anyone has same issue, let's gather together to sue them, feel free to contact me. Again, such an awful company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd1635a86b124ccdb11a2ec98c0fc881
encoding: FLOAT32
metadata:
{"chroma:document": "Working with Voya as a small business is an absolute nightmare. It feels like we are being held hostage by incredibly outdated systems that take extremely specialized knowledge to use (with no easy way to learn). It takes hours every other week just to accomplish simple, repeatable tasks that could easily be automated. We aren't able to transition away from Voya until the end of the year. It is causing significant stress and issues for our business. We're paying thousands of dollars to fix mistakes that would be completely avoidable with a better system."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e371d2b87e3841e0bfa42ff1cc5b214b
encoding: FLOAT32
metadata:
{"chroma:document": "I started out buying a life insurance policy from ING 8 years ago. After receiving my policy I had almost no contact with them. It was like pulling teeth trying to get information from them. Then Voya bought the policy from them and everything got even worse. I guess the good thing is I'm afraid to die because I don't believe they would even pay off on the policy. I figure I've paid almost 25,000 dollars in premiums in the time I've had the policy and I've had no confidence that they would pay off if I died. Kinda defeats the reason for getting life insurance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 70c232a88b254e1e9c1599230f784da6
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to correct an error that Voya has made on my account since 1/31/20 and it is now 5/20/20. 7 calls each time waited at least 1/2 hour. The people who answer phone have no knowledge to fix problem. This account was transferred by employer from Fidelity to Voya. They do not deserve even 1 star. Please, please stay away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8c174d7ee154486ad41b2a441592b9e
encoding: FLOAT32
metadata:
{"chroma:document": "Several attempts have been made to receive information about my annuity for the purpose of renewing my apartment lease and the company has been unhelpful each time. I cannot, and will not, suggest that anyone use them for any financial purpose. I am not a satisfied customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a720cd4d1c6046fda1d754ac73ac0580
encoding: FLOAT32
metadata:
{"chroma:document": "On multiple occasions, I have had erroneous blocks placed on my account which prevent withdrawals. The blocks take weeks and numerous contacts to resolve. I recently was wrongfully told that an additional signature was required on a withdrawal request, which is further delaying my request. Customer service is very slow, unresponsive and ineffective no matter the method - phone, online chat, email. Each contact adds nearly a week to any resolution. In my most recent experience, it has taken over four weeks (and counting) to process a standard withdrawal. SImply put, I cannot access the funds in my account when needed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7f775404ec14623a2036f722741b8fa
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metadata:
{"chroma:document": "I have never experienced a company with so many unnecessary fees. This company is borderline scammy. Beware. I took out all my money and transferred it to Schwab and I am MUCH happier! Unfortunately, the company I work for had Voya associated the payroll company they use.... And I did not perform my usual research until I had lost 10% of my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 735fa153011a4b2a8df1a9ebddc3c8b1
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metadata:
{"chroma:document": "I was worried when I had to file a claim with Voya for critical illness having read the reviews on this site as well as the BBB. To my please surprise, I put in my claim on March 16, 2020, and received a direct deposit TODAY! Maybe the issue comes to people requesting paper checks? My experience with voya was excellent! Just in time to get my medical bills paid before they can go to collections. Although, I did have to follow up on my review decision as it had exceeded 10 business days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c65d44722c8f46bdbb540a7eb98fc564
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metadata:
{"chroma:document": "I filed a claim on 2/14/20 it's 4/2/20 and I still haven't received my claim. They are doing everything to deny my claim. It's not fair when you pay for a service and can't use it. They make you feel worse for filling a claim. At this time I really need these funds to maintain my household. With the Covid19 I really need basic supplies and they holding onto my money. It's sad that a company like this would do this. I hope I get relief soon. I will not be signing up for this service again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40bf300eac5d4340a12c99d3c5e5d441
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{"chroma:document": "Have been using Voya Financial life insurance product for many years. We got a notice that the rate was going up and my wife attempted to contact them to see what could be done. They refused to talk to her and forced me to call. I spent hours trying to talk to an agent. I got transferred to multiple people and got no response to the calls. Three transfers and endless voicemail options in order to try to find out if a renewal, extension, change in policy or other options would keep the premiums at a reasonable rate. All to no avail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab7e449ee9574520ae167f36ce9f6296
encoding: FLOAT32
metadata:
{"chroma:document": "19 years ago, at the advice of my then banker, I transferred the money I had saved in a poorly performing annuity to VOYA. It was called something else then, but I cannot remember the old name. I recall that the interest rate was 7%/Year for ten years. When the contract was about to expire I attempted to contact the representative to whom I was assigned. This person avoided my phone messages and emails over a 2 week period which resulted in an automatic rollover at 1% for another 10 years. I did everything that I could think of to get my money out out. At one point I received an envelope with about 1/4\" thick stack of papers (legal boilerplate) explaining why my request to was denied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb50060eb4204dd3974e4da07845402c
encoding: FLOAT32
metadata:
{"chroma:document": "I am writing this review in hopes that companies who are looking to offer 401ks to their employees, that they do not use this company. I have been dealing with this company for about a month now and after several attempts to withdraw on my account of my own money it has been almost impossible. This company lacks customer service and I have been lied to by several different representatives that work there. It almost seems as if no one know what they are doing or talking about. I don\u2019t understand how come this process is taking so long and how no one seems to have an answer for me and I was basically told to contact my employer who I no longer work for for assistance! Why ???? when voya has my money that I requested over a month ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e46796b1d81d42229c4a76e6d0bd25bd
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metadata:
{"chroma:document": "Called Voya due termination withdrawal amount. I called in about stated one thing but when I called back the next day it stated something lesser. It's a matter of a few dollars but I need to know \"where the difference came in ??\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dabcb4119fe5446daae324fc86aba437
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metadata:
{"chroma:document": "I just tried to contact them to change my address. They required a pin code that I never got. When I tried to set it up it failed. Then I sat on the phone for over 30 minutes just to get a simple change done. When I finally got someone they told me I needed a pin code or I couldn't do anything. They were unwilling to help in any way. They did provide a fax number, but that was about it. I suggest you avoid this company. They definitely don't know what they are doing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41cf496d9b72436599a204f32322bd20
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{"chroma:document": "For any existing or future customers - Avoid Voya Financials for your retirement or any other financial services. They have made mistake on my 401K account while attempting to roll it over to another account. They cut the check on my balance even though the agreement with the customer service rep was to wait till the issue in question is resolved. They not only did not wait to get the right instructions, they cut the check and did not know how much of the balance was taxable and how much was tax-free on a transaction they have initiated. They then said they'd search this issue and get back to me. I have been waiting on their findings for over 2 weeks with no resolution, meanwhile losing on potential gains on my 401 funds they prematurely cut a check for. They don't take appropriate measure to resolve nor do they take initiative to correct the mistakes they make. Horrible company! Save yourself the misery and avoid Voya Financial for good!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5a5317fe8de42f9a95a15f35dfeac57
encoding: FLOAT32
metadata:
{"chroma:document": "I've read majority of the reviews on here and I have not experienced any issues with Voya. I called to request funds and I was told 5 to 7 business days I would receive my check. They mailed my check, which arrived within 7 business days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 207b6be78e4844e4bd8fbec61a00ef18
encoding: FLOAT32
metadata:
{"chroma:document": "The good news is that I've only been allocating $7/month to this fraud. They denied my claim to cover medical bills, related to the accident. I am enrolled into accident insurance with them and I wish I did my homework and researched this company prior signing up for this service, offered by my employer. Never again. Money is gone though."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1db8a09aeb0a4ef381f7b456ba86442a
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metadata:
{"chroma:document": "Requested funds from my account on 12/23/2019. Should only take 3-5 days. After a couple of weeks I have called Voya several times. Voya only has excuses but I still DO NOT HAVE MY FUNDS. Was told another 3-5 days!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b30f9dc1b7c64a6ca6aa6cbc10aea40e
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{"chroma:document": "I was injured at work and the workers comp forced me to quit with a settlement. I called to terminate my 401k because it was only 724 dollars in it and wasn't worth rolling over into another product. I was told it would cost 175 dollars to terminate. I said ok. The remaining amount was 549. Then they said I would have to pay taxes on it as well and the final amount that would be mailed to me would be 414 dollars. I said ok. It took them 3 business days to process the request. The check came in the mail and was only 280.85. I called to see what the rather large discrepancy was and was told that the value of my 401k must have dropped over that 3 day processing period and that's why my check was so much lower than they told me I would be receiving. I not sure I believe that explanation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My mother had her money with Voya. Months after she passed away I sent in her death certificate. I was told I needed to send in more paperwork of which I would have to hire a lawyer to get. The cost of hiring a lawyer far exceeded the $6,000.00 or so dollars that was in the account. Losing mom was hard enough but watching a corporation steal from the survivors, what words are their for that? My suggestion if it were possible to my mom would be to make sure her I's were dotted and t's were crossed if she wanted it to go where she wanted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "New York City decided to switch the deferred compensation funds of its employees from FASCORE to VOYA FINANCIAL. This happened in November 2019. It is now a big mess. Under FASCORE, there was excellent customer service, quick and efficient processing of requests, and expeditious delivery. Now, no one knows what\u2019s going on with distribution requests. The wait time to speak to someone on the phone is more than two hours, and in the office it\u2019s a half a day. The worst is that when you call, no one can really give you any information. It\u2019s a runaround for your hard earned money. Those are billions dollars funds of employees and retirees that are being managed by an incompetent firm. Even though it\u2019s your hard earned money, they make you feel like they are doing you a favor. This must go to the media. Legal action is needed!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I am a NYC public school teacher. City offered a plan 457 to save more money for one's pension. I participated in this plan for several years, saved there some money. It was easy to navigate their site or to call them for help. Suddenly city decided to switch to VOYA Financial. No phone calls accepted, no emails communication services are offered. Market is going up but my money are disappearing. Funds that they offer are impossible to investigate, no chance to talk to someone. Who do I complain? This company is a fraud. It seems that someone in the City is stealing money this way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "We have moved several accounts from Voya to Fidelity. Voya charged us a transfer fee along with the yearly maintenance fee, and then a \"termination\" fee on top of that. Thankfully Fidelity picked up the fees on those accounts. Most recently, we asked for the remaining balance of our daughter's educational savings account to be distributed to us so that we could pay tuition. Voya charged us a maintenance fee and a termination fee when they distributed the money which amounted to nearly 2%. That wasn't exactly what we were planning on when we set up a college savings plan. We've had accounts at Fidelity, Vanguard, Schwab, and E-Trade. Nowhere else have we seen these kinds of fees. We were put into the Voya accounts only because our financial planner used them. If you are considering using an independent financial planner, I would stay clear of those who use Voya."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have accident insurance through my employer with Voya. I had an accident and did everything asked. I got the information and faxed everything they asked for.. I have called 5 or 6 times and keep being told everything looks good they will get to it. Making me wonder if Voya is a bogus company. ave your money do not waste it on them. The information has been sitting there and no one has touched it and has been 12-13 days. Every time I call they tell me they will make a note. I am wondering if they are a bogus company, save your money, poor customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb402c64525a4d1eaef73e2e0fed6752
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{"chroma:document": "Every time I submit an accident claim, it has YET to be processed timely. They claim to have a 10-12 business day processing timeframe but each of my claims have ALWAYS taken close to 30 days for SIMPLE items like a broken bone. If I could give Voya 0 stars I would. Further, their claims payouts are among the lowest in the industry. Aflac and Colonial Life are SIGNIFICANTLY better than Voya."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1fd9b2f2ce64a88833afbe5369b3899
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{"chroma:document": "When I retired my funds were funds were sent to VOYA by my employer. It has truly been a terrible experience. EVERY time I request a withdrawal there is an issue. In addition to it taking 15-20 days to get my money, papers are lost or something was not completed correctly. This time I was rolling over some funds from VOYA to Schwab. I made sure everything was in order by checking with ReliaStar before I sent them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4abbda649d3a44f2a3d5f7034e8b06dd
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{"chroma:document": "I received my account with Voya through a divorce QDRO process. I have faxed in a withdrawal request twice with this company and BOTH times, they have either lost my paperwork 3-4 times or they take FOREVER to do the withdrawal. They even gave me a tracking number for the check they sent me and you know how if the tracking # is just generated, it will just say label created? I swear to God, the package sat on someone's desk for 3 days without it even being mailed. I had to call up there for the 4th time and tell someone to be accountable for my package and then, it finally got sent out. Now, I'm on my second withdrawal request and my last as this is the last of the money that is in the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8372c4fef8b42d2ba2c29d27109facc
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{"chroma:document": "I worked for a hospital that offered 403b trough Voya. After 12 years working I was laid off. At the time I was laid off I was had restrictions due to a car accident I  suffered while still employed. It was a domino effect. I couldn't find a job on my field due to the physical restrictions. Soon after I separated from my wife I sold most of my tools. A couple of cars I had. The rest I put them in a storage. I called Oct 29 2019 and requested that I needed to cash out. The Voya representative did the transaction and explained that one account I had to fill a form but one I can withdraw and it will take one day for the transaction and 5-7 business days to get my first check and explained my situation if I didn't pay the rent I was going to be homeless plus my storage fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been trying to access my 401K account through the Voya online website and I kept getting an error message. I called November 4, 2019 and spoke to a rep named Keith who said my date of birth did not match what they had in their system. He told me to fax over my driver's license and it would take up to 2 business days to update in their system. I called Voya November 6 to make sure they received my fax, which I have the fax confirmation in case they said no, and the rep said they received it and it was STILL in process. All I need is my retirement statement. So I called November 8 and asked to speak to a manager. Rondrell whom answered stated she was a manager. Rondrell tells me she sees notes in their computer of my date of birth issue. Then Rondrell tells me she will send me a PIN by overnighter with UPS and someone had to sign for this delivery on November 12, 2019, 8am to 5pm. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Seasoned investor stay away from this firm. Not only will you not make market returns you will also pay the highest fees I have ever seen. Inherited an IRA and was shocked with the dismal returns for the past 10 years in a bull market. I used their trading desk to execute a stock trade to place holdings in cash. Their fee was $45 dollars for one trade. Then on top of that when you you transfer your money they charge you another $35 for the pleasure of returning your money to you. And just a side note when these investments were bought there was a 4% upfront fee just to buy less than stellar investments. In this 200k account that's $8000 dollars gone in then a day. Good Luck if you decide to do business with this firm. You're going to need it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Unfortunately, my employer involuntarily enrolls its employees in retirement plans with Voya. On/about October 18, 2019, I called Voya to request a loan from my retirement plan. The representative told me they needed to send me a pin because they cannot process transactions over the phone and/or send me the paperwork needed to request said transaction. He told me I could also log in online without the pin (just use my DOB and SSN). However, the website would not allow me to use my DOB and/or SSN. So, I had to call back and speak with a supervisor, who, told me Voya did not have an exception to policy and/or faster process for hardship situations, but that he would put a rush on my request for a pin."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cf7a885a22242899650e2815b5a7f61
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{"chroma:document": "One word \"pathetic\". Do not do business with these people. As many others have stated, as soon as you need to make any kind of withdrawal, they immediately come up with every excuse possible to not give you your money. I have an account there for 9 years. I had a financial emergency and Completed all the crazy paperwork which is ridiculous, but I faxed it in, and just like that everything ground to a halt. You need a signature here, you need a date there, etc. Went on and on. When talking to customer service they obviously didn't care. I petitioned the money on 8/22. It's 4 weeks later and they still don't have a date as to when I can expect the check. It's my money! Why do I have to jump through hoops for my money?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 167ac646a7fa4fc99a97c4948a4510d5
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{"chroma:document": "I requested a termination withdrawal in June, and was told I couldn't get it until August. I requested again in August and was told the request was required prior to July 31. Now it's October and I log in to make a request and cannot access my account online because I changed my cell number and it wants to \"verify\" me using ONLY sms text. I cannot even request email verification. I cannot change anything over the phone because I need my verification PIN which is found in My Profile - in an account I cannot access, which I can't make changes to without a PIN, which is in my Profile, etc. Horrible financial institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I requested a hardship withdrawal from my 401K because I had no other place to get the money to handle my hardship. I sent them the medical bills requested and had to send updated ones and this took two weeks to process my request. I had to jump through so many hoops. After I satisfied the documentation request a \"third party consultant\" had to approve it, then my employer had to approve it. After all that, they did not even expedite it by FedEx as I requested. I waited three days and when I called to check on it was told that I had to wait until 8 days because, even though I paid $50 to have it sent by FedEx, they did not do it. Beyond frustrated. I'm thinking I could put that money in a regular savings account and a Roth IRA and do better. It's my own money. I should be able to borrow (which I can't) or withdraw it. They're going to charge a penalty anyway."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Called and texted about a transaction, got different answers. Called the following day and got another different answer. This went on for 5 business days. Finally today 9-27-19 I was told it would to next Friday to complete my transaction. Basically over 2 1/2 weeks from my first interaction. I'm beyond frustrated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edcefd59dbdb46308f257d66fc8c05b7
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{"chroma:document": "My husband and I tried cashing out his 401k and every time we called and talked to a rep that asked for his social then hung up. Before that they told him nothing was in it so they transferred him to the appropriate dept. After giving us the runaround and hanging up on us every time we called, not once did we ever actually get to talk to anyone. ** scammers. ** you VOYA. Karma is a ** and that ** is real, you don't treat hard working ** like this. That's why your company will never truly succeed or grow because all you do is ** people. That's exactly why y'all are outside of Texas because we don't put up that ** down south. XOXO"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Beyond the excessive fees charged for simple requests, the customer service and website interface was very poor in my opinion. Customer service representatives were rude and argumentative over the phone, emails were not answered, and something simple such as a change of address could not be completed via the online platform. I do not recommend opening an account with this business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42e2e20dbbcb42e58200c117d874ee77
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{"chroma:document": "I have been waiting on my distribution for 5 months now and every week I call there is a different excuse of why they haven't sent me my money that I put in from my paychecks. The latest excuse was because they're doing an audit and it can take a few weeks. This was 3 months ago and still no money or call about what is going on. It's to the point now that I had to hire a lawyer and get proof of this audit because it seems I'm not the only one who is having this problem. They are known for using an audit as an excuse and holding off as long as possible to give your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce6af0159d3e4136b06b36904e4c1360
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{"chroma:document": "I simply wanted to withdraw my money because I had another account with 2.32%. This company's website design is probably designed intentionally to make people give up and quit. The withdraw request requires either faxing, printing and faxing, or waiting for a letter they mail you. It is 2019, they never heard of email? I'm hoping these non-communicative people respond and I can transfer my money to the better company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I was hired by January 2019 and I left my Organization by June 2019. My employer enrolled me into Voya Retirement and by the time I left my Organization I had a USD 370.83 balance. I requested to withdraw my balance of USD 370.83 and after deduct USD 81.59 in taxes it was showing USD 289.24 would be mailed to my address in 5 to 7 business days. More than 10 business days passed and I called customer service to ask for feedback. I found out it took a whole week to process my check, and other than that it was charged a Fee Fee of more than USD 100.00 to close my account... Be aware of the Fee Fee not disclosed by the time you agree and request the withdraw."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I signed up for short term dis. when I got hired in Feb 2019 and then in March my doctor found a cyst in my chest around my heart. Well I had surgery on Wed. Aug 14th 2019 and Voya declined to pay my short term cause they say it's a pre excisting injury. The management team Rene and Julie are some of the rudest people I have ever dealt with. They wouldn't return calls and they tell me they will email me paperwork and I have to leave messages just to get said paperwork. The company is a scam and is after money and will not help anyone out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Stay away from this company if they are managing your 401k account by either asking your company to switch to a different investment management company or roll all your money into a roth IRA account before the money is evaporated into smoke as all the money in the 401k account will be slowly siphoned off by Voya as they keep taking 2% of the money in the 401k account and pay themselves fat as management fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I requested a partial payout of my IRA being under the age of 59 1/2. After some short disclosures and information to make the payout I was given an estimated wait of 7-10 days. I received my check in 5 business days. Well done. Some of the other reviews were not positive but my experience was entirely good."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Voya takes customer service to new lows. They are the chosen retirement plan custodian for a former employer, and I have been fighting them for two months to get my money rolled over to my brokerage. It is a game of a thousand hurdles, handled one phone call at-a-time. First, they need a letter of acceptance from the recipient institution (it's Charles Schwab, BTW -- a reasonably well-known company, even for the bozos at Voya). Fine. Schwab can generate one for me online. Ah, but that letter needs to be signed -- hand-signed, mind you; in 2019 -- even though it has my Schwab account info on it, and my signatures are all over the Voya transfer request docs. So, off to a Schwab branch to bother some poor soul with this nonsense."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "After my 93 year old parents died (5 months apart) we contacted Voya with death certificates, etc. Many forms later (something on our end was always missing apparently) and trying to get account info from Jacksonville, FL or Windsor, CT agents the process was a true nightmare. The executor, my brother, was stone walled every time he called and this lasted for 10 months. Finally with our attorney on a conference call we found an agent who listened to us and followed through. Prior to this one agent hung up on us, others couldn't find the account, one told us she was on maternity leave and had just returned to work and couldn't help us. I was in tears on the phone more than once believe me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Husband got total of 4 checks, and now because he went back to work early because what they pay out is a joke and you cannot pay your monthly bills with it, they tell us now we owe more than half back! How is this possible when someone is out of works 4 weeks and 4 checks, and you got to pay back more than half back! Rip off artists. Don't use them if possible!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I would caution anyone to consider using Voya for your life insurance. Working with the death claims department after my dad's death in January has been a nightmare. Every time I call I get a different response from each representative. Sometimes all our paperwork is complete, at other times pieces are missing. Consistent communication is non-exsistent. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I cashed in my NY Life Whole Life (Permanent) Policy within just a few years of it being fully paid off (shame on me for not asking more questions of both Agents). I bought a Universal Life Policy from Voya because of the opportunity as well as the flexibility. As a small business owner, I know I will have ups and downs in my business. Opportunity never occurred. Never saw increases even guaranteed 3-6%. Flexibility never occurred and they refused my premiums because they were \"late\" even though the amount and date had been provided to me by telephone by their representative. I lost my $106,000 investment overnight with no help from anyone. I submitted a complaint to the AZ Attorney General's Office but they buried them in documentation which made me look like it was my 'error' so they dismissed the complaint."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This review is based on my experiences with Voya, who I think is contracted by the Michigan Office of Retirement Services. First, it would be nice, and at this point a small miracle, to actually receive a call back. This department had at least 5 different opportunities to do so but NEVER followed through. It appears no one is able to speak directly with each other. They can only submit requests from each other that takes 24-48 HOURS! Talk about inefficient! The representatives on the phone also don't have a direct line to the processing department so their help is limited though they were always kind and polite. The processing department seems to hold all the answers but they are clouded in secrecy. From my understanding, there is no way to contact them directly. They are surrounded by an impenetrable force of apathy. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I got a letter from Voya with a policy number. One for my mom and one for my dad. Got the run around. Couldn't tell me anything. Well filled out all the paper work, got death certificates and fax to them. They told me today that it was a 20 year pay off. Stated 1973 and paid off in 1993. My dad died 19 years ago and my mom 3 years ago. And just like everybody else I have got the run around really bad. This started April 23rd this year. But what got my was that they are trying to tell me that these are only good for 500 dollars each. Somewhere I just don't believe that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I have been trying for over A YEAR to get Voya to hand over my late spouse's retirement funds, held and managed through the School of the Art Institute of Chicago. First Voya denied holding them. Probate proved that they did. After two requests, they finally sent paperwork. At this point, I've been dealing with receiving benefits for other institutions for some time now, so I know what I am doing. Every step of the way they find something wrong--something they didn't provide, etc. I finally, finally receive in the mail news that they have set up a fund for me. Lovely, I requested a check, but whatever. I go to their web-site -- and of course it's down. Phone call this morning: they deny holding the funds. Guess I'm gonna need another lawyer...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I had my employee 401K with Voya for a number of years, and decided to try their \"Professional Management\" service. What a costly mistake. By simply changing the retirement date on my profile page from 4 years out to 1 year out, their \"Professional Management\" software automatically sold over $200,000 worth of stock at a $39,000 loss (on 12/24/18 - the day that it tanked but recovered its value the very next day 12/25/18), and purchased bonds/index funds with it. All without my knowledge or as much as a phone call. When I questioned this, a manager actually apologized, and (stammeringly) told me that their \"Professional Management\" is basically a web page that gathers all the data you input, then uses an algorithm to determine the course of action to take, and changing my retirement date to a year away, triggered the sell off. Needless to say, I have moved my 401K funds elsewhere."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I've been enrolled into this automatically when I started working in education. I've talked to someone from the Human Resources department at my place of employment to discuss me having access to the money in case I find myself unemployed, laid off, etc. She told me that within 6 months, I can access it through withdrawals on the website. It can be an emergency withdrawal or another, but in order to do either, I must provide documents that are requested for that given plan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 035bec8f610543a4b5040475f84af5f9
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{"chroma:document": "I have requested my 401k rollover check THREE times in the last 13 months. I've called 7 times and waited the 4-6 weeks in between each phone call before following up (per their request). FINALLY, TODAY, they said \"oh, darn, I see what's happening now, our bad, we'll escalate this to a higher up and get your check mailed to you in 3-5 days.\" HA. We'll see if it shows up. Who loses here? Not VOYA. ME. THE S&P has grown 10% since these idiots said they would mail me my stupid check and what has my 401K grown? NOTHING. I feel like hiring a lawyer and suing. They have the money. IF YOU HAVE A CHOICE OF PROVIDER, DON'T USE THEM! THEY ARE CROOKS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1898a8cf2cea42fe90944d4f7c6f2f22
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{"chroma:document": "One year and 8 months ago, we annuitized our policy with Voya, filling out the paperwork to ensure that Federal Taxes were withheld from the monthly check. Voya failed to do this and we have made countless telephone calls speaking with supervisors, etc. to correct the problem, and always receiving the promise that this seemingly simple problem would be corrected. NO... 20 months later, still the runaround. Incompetence, inefficiency are the rule at this company which shouldn't be trusted with your money!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26e029733dde46aeb89ae9df57d456d2
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{"chroma:document": "Do not do business with these people. As many others have stated, as soon as you need to make any kind of withdrawal, they immediately come up with every excuse possible to not give you your money. My wife had an account there for 20 years. We had a financial emergency and decided to close an account. We filled out all the crazy paperwork which is ridiculous, we faxed it in, and boom everything grinded to a halt. You need a signature here, you need a date there, etc. Went on and on. When talking to customer service they obviously didn't care. We requested the money on 3/22. It's 3 weeks later and they still don't have a date when we can expect the check. It's my wife's money! Why are they allowed to make people jump through hoops for their money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e197cf231e4d4d7aba4fd9c4214fadc1
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{"chroma:document": "I have had to call customer service twice after trying to register online with Voya unsuccessfully. I have an Apple iPad and an Apple phone. Every time I try to register it says it does not recognize me and won\u2019t let me register using my Social Security number and the pin number provided to me by Voya. After speaking with two different very nice people at the Voya customer service they cannot give me registered either. They gave me a temporary password while they stayed online with me and they still cannot give me logged in. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f647497804a547c2bcae48072c958d4f
encoding: FLOAT32
metadata:
{"chroma:document": "Voya Financial's website is not compatible with the Chrome browser, which is unforgivable given that Chrome's market share has been more than 50% for more than four years. This is a Voya problem that they have disavowed to me repeatedly. It is not acceptable that they force me to use a less secure browser to access my account information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5016fbddef2d4e0cba1432e746d29558
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metadata:
{"chroma:document": "My employer was bought out by a larger holdings company in early 2018. Starting in May, all of our insurance coverage was switched to the holdings company provider, but it didn't include short/long term disability so I enrolled with the voluntary disability coverage they offered at a decent price. This February, I had a problem with my wrist that required 6 weeks of therapy. As an over-the-road truck driver, that meant not working in order make the 2-3 therapy/week sessions because we don't have any local facilities near home. Because I enrolled in May of 2018, my claim was filed 9 months after enrollment. So, they have to do a \"pre-existing injury\" investigation. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad8139a4cd2b455d92f52dd6cef07315
encoding: FLOAT32
metadata:
{"chroma:document": "About a year ago, I set up a periodical withdrawal for this year. The first withdrawal did not occur, despite a confirmation letter I received when I set it all up. I'm still waiting. Also, tax withholding was specified for a withdrawal last year, but rather than the 10% federal withholding, which is the minimum, none was withheld. To be fair, at least Voya got the state withholding correct."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dedd6c00c8c348778eaf0c6ab665e283
encoding: FLOAT32
metadata:
{"chroma:document": "Voya is pretty much a scam. They will charge you lots of hidden fees and high fees. Almost any other brokerage will have lower fees. Had a 401k with them. They apparently charge a 2% fee, which is much higher than everyone else. When I tried to transfer my money out, they tried to delay my transfer as much as possible, then they charged $150 for leaving. Overall, I lost $250 even though the stock market went up. There's absolutely no point to using Voya since you're just going to lose money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0202e4ff699341a8bf2754fd596164b3
encoding: FLOAT32
metadata:
{"chroma:document": "I worked for a else elementary school for a year and a half. Handed in my resignation in September of 2018. I called Voya to cash out my accounts and they told me, \"Oh we still have you as an employee.\" Um no at this point. It's November so I have to call the administration for the school and they send it over then I call for almost three weeks to Voya. Nope haven't gotten anything yet. That was February 13th. Then I call back February 15th and she said, \"Yeah they have it.\" I was supposed to get 720.34 from two accounts combined. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9e684fec8514fd2a23f5f222a864276
encoding: FLOAT32
metadata:
{"chroma:document": "Since moving to PA Voya has been deducting income taxes earmarked for PA from 2003 to 2018 from my federally mandated annual distribution. PA. will only refund years 2015 to 2018 and I must file an appeal to get a refund for 2014. Voya is responsible for the PA taxes deducted for years 2003 to 2013 but they refuse to acknowledge that fact. What course do I have to make them refund years 2003 to 2013. I no longer have the 1099R's for those years and PA Department of revenue indicate they can't refund those years either. It's VOYA'S error!!!! The 1099R's always shows a Number 7 in Box 7 which indicates the funds are not taxable related to PA. Federal tax is not in question! FEDERAL TAXES HAVE BEEN PAID ON ALL YEARS WHICH IS CORRECT!! BUT PA STATE INCOME TAX HAS BEEN IN ERROR YEARS 2003 TO 2018."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0266e024b42d4ecdb5578833679dedf2
encoding: FLOAT32
metadata:
{"chroma:document": "Almost 2 years ago I enrolled with Voya after starting new employment. Ever since opening the account, I have been attempting to roll over other 401k's into the account. I have played phone and email tag with our reps consistently to no avail. I keep getting different sets of instructions, only to find after doing them, that what I did was wrong. If it was not for my company's match I would leave this company entirely. I would not recommend giving this company your business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f75049abd6224b27bf838f865999045b
encoding: FLOAT32
metadata:
{"chroma:document": "I was with my former employer and got enrolled \"automatically\" with them for 401K. Since I was not aware of the enrollment (I had no intention to partner with them), my paycheck was deducted for a 3% contribution. I called at least 7 times to get a check back, finally they did, but they took $40 dollars out of my refund and claimed it is a withdraw. This is not a withdraw, this is a return of contribution, it is different. If I was accidentally enrolled, I should have got the total amount net of federal/state holdings, and your mailing fee, sure... But they took the concept wrong, and treated as a distribution. Folks, how can you trust them? They have no idea of what they are doing. When I spoke with the associates, even they said there are miscommunications between them and ADP... Do not invest with them. Try all you can to avoid! Plus, my issue was still not resolved. This lasts from 2 months ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da505b48263d469287b895ba70948317
encoding: FLOAT32
metadata:
{"chroma:document": "I have been dealing with Voya for months now. In October I have sent my request to withdraw my 401k after being laid off. The request was approved. I got my paperwork notarized and sent to my old employer and Voya. After it was approved, I received confirmation that it was being distributed to me. After I haven\u2019t received any distribution for a few days I reach back out Voya and they said that I cancelled my request even though the confirmation email says that I cannot cancel my request and I know I did not. I told them that I did not cancel my request so they asked me to redo all the paperwork. I had to go get the paperwork notarized again and mail it back."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d7d736133184796bb3eded85602bff9
encoding: FLOAT32
metadata:
{"chroma:document": "To many things were not disclosed when we signed up with Voya. First we were promised a 6% annual increased yearly, has not happened yet after 3 years. We were not told there was a surrender value if we decided to pull our money out, which is thousands less than what we invested. Then also the beneficiary value is less than what we invested. Needless to say we were hoodwink by a shady consultant (Mr. **). We are considering contacting a lawyer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 628fbf4b36904c72a8f42f86bf1be55f
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metadata:
{"chroma:document": "My son was killed and had a small pension with them. They had a nine page form to fill out. After sending 4 death certificates and 4 court orders to pay his parents as beneficiaries, it finally got done. You think this would be the end, but they continue to send mail to my dead son. I have called twice and ask them please do send mail to him as it is very hurtful to our family and they have lots of documentation to that effect. My complaint was escalated and the answer was they could do nothing about taking his name off whatever they have. According to the courts, all correspondence should go through us, but sure enough, today my dead son received another letter. This company has no social responsibility or compassion for their customers. I feel sorry for other families that deal with this same scenario. Please change the Mission Statement of your company to one of compassion and train your employees to have some empathy with your customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e873931b641d4842b1420e031d8346d2
encoding: FLOAT32
metadata:
{"chroma:document": "My best friend who used to work for the State of Nevada passed away on January 10th 2018. Right before she died in the hospital she told me that she had listed me as a beneficiary on her State Retirement and with Voya Financial. After she passed away the State sent me paperwork to fill out to receive the benefits that she had left for me. I filled out the paperwork and turned it in. A couple of months later I received a check in the mail. But Voya never contacted me to let me know that she had left me benefits with them. Fortunately she told me right before she passed away because otherwise I wouldn\u2019t even know that she had left me money with them. It has been almost a year now and I still haven\u2019t gotten the money that she left me. I have contacted them several times but every time I speak to them they come up with reasons why they can't pay the benefits to me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8994e46c15f4d09ac59a30a2d64d07f
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I have had a life insurance policy with Voya for over 20 years, and made regular premium payments. Suddenly about a year ago they raised the cost of this policy by hundreds of dollars disguised as a policy \"adjustment\". Now we are regularly receiving these policy adjustments every other month, with the threat if we don't pay the policy will be canceled. I am willing to abandon this policy, but I want the money back we have put into this policy in good faith."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a3ed743705740ae9c0b206a8b0d999d
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metadata:
{"chroma:document": "To make a long story short after about a year of getting the runaround and around and around I finally gave up and told them that I was going to just let the law handle it. After doing so they finally sent the monies from my sister's IRA account in equal amounts to me and my other living siblings. My advice to anyone who is listening is that if you have a choice in the matter you will be much better off doing your homework and going with a different financial company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb7eba3b414f4c3e9c58052f24e54795
encoding: FLOAT32
metadata:
{"chroma:document": "If I could have given this company a negative star I would have... I quit my job, requested my 401K the next day. No problem... 2 to 3 business days. 5 days later call they sent it to the wrong bank. Now have to wait again. This is the sorriest company! Criminals need to stop holding everyone's money and put it where it goes. What a horrible way to do business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5a1c72f6b5e49c39977576fd8353b15
encoding: FLOAT32
metadata:
{"chroma:document": "I had the same bad experiences with many who had with them. They messed up my address and date of birth, asked me to fax my driver's license and lease agreement to correct them! I did! After back and force calling them a few times, it still has not been done! I would be happy to work with any lawyers who wish to help suing them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad3b9fcc627549bc8a3f791ba0646bc5
encoding: FLOAT32
metadata:
{"chroma:document": "I submitted withdraw paperwork in the beginning of October. It is now December and they are blaming the plan sponsor for not submitting paperwork. They also said I have the wrong fax number because they haven\u2019t received my paperwork. After reaching a manager because the customer service agents cannot drill down in a person's file, said, \"Oh yeah I see you\u2019ve submitted your paperwork twice. We will look into it and get back to you in 3-5 business days.\" They promised to call me back that night regardless of what they found and never did. I have been laughed at by employees and managers as my frustration grows. Today I spoke to a manager who said that there is no one above me and that I can leave the request with him and I can receive a call in 2 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f38a49c1f3c4fc79fb80b450d347566
encoding: FLOAT32
metadata:
{"chroma:document": "As part of my divorce settlement, I received 20k from my ex's retirement account (he got the house). They never notified me that the change had happened. They make it impossible to log into their site, you have to request that a pin number be mailed to you, but if you have moved, or changed your name, you must mail or fax (number doesn't work) them proof of your address and name change. After that is all done, then you can call and request that they mail you the stupid pin number AGAIN to try to actually access or find out anything whatsoever about the account. They aren't open on the weekend, so plan to do all of this during your workday."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a461a16f84648dea672ab59cf76d1a3
encoding: FLOAT32
metadata:
{"chroma:document": "Called VOYA to request funds be disbursed from a 401k I had thru a previous employer. After being on the phone for close to an hour, I was told everything was good to go and I would see my check in 5-7 business days. After NOT receiving my check I called VOYA to question where MY money was. I was told that the previous request was NEVER processed due to the agents failure to complete it. Once again, I go thru their entire RIDICULOUS process to verify who I am, and what I want. I am told everything went through, and I will have my funds. This is all after I DEMANDED that VOYA send my money expedited, and they eat the cost of shipping! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1473c8822f9a4bf9b53f7b8d2e03a642
encoding: FLOAT32
metadata:
{"chroma:document": "Changing Mother's account to a new address - fourth try: Started request May 4 of 2018. Name on account doesn't match legal name. Won't accept Driver License, Passport or SS Card. Wants Birth Certificate for 92 year old? Sends blank forms and if not correctly filled out, is rejected and sent by snail mail. When calling takes 20 minutes each time called to find the right person. Rejects POA with legal name and then wants POA to match the name on the account, legal name does not count. Certainly loves to give customers the runaround and not provide assistance. Don't use VOYA in financial matters."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2ad63be89774148bf0781651eba5e7b
encoding: FLOAT32
metadata:
{"chroma:document": "Great day in the market and close to retiring, so I wanted to move another 20% of my money into fixed principal. With 10 minutes to go, logged in, but every time I tried to reallocate, I'd get a \"Sorry call 800...\" or \"Session Timeout\" to protect me (5 seconds after logging in doesn't require a timeout). Amazing that as soon as the market closed, I could reallocate. Great... So tomorrow, if the market drops 500 points and I forget to cancel or get pulled away from my desk or get timed out by the website and not able to stop it. Voya has high fees, low fixed principal interest and poor fund choices. I can't wait to retire and get as far away from this dog as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2b31a069ed7143fb9c9904723919f92f
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased Voya accident insurance through my employer. I broke my femur while on vacation. I filed a claim and submitted all necessary paperwork and they said it would take 10 business days to review. After 10 business days, I called to check the status of my claim only to be told it was still processing. The call center employee said she would escalate and they would respond via email in 24 hours. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 064b97f373fb42ca9a28d0ba4b5e44ba
encoding: FLOAT32
metadata:
{"chroma:document": "Needed to perform a simple rollover and request a distribution check. I was on hold with Voya for several minutes (not a big deal) but then was told that they have an incredibly small limit on how many characters can fit onto the recipient name on a check. I then had to call my new 401k provider to request an approved alternative super-short recipient name, then call Voya back to request the check under this name. The man I spoke with then said there was a \"problem\" with his system that wouldn't allow him to look up some essential information to complete this transaction, so I would have to talk to someone else. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f742dd1edef4445b5edb90b51c9d5cb
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{"chroma:document": "My husband and I have filed a complaint with the California Insurance commissioner's office today, October 19, 2018. The c A brief overview of the case is as follows: We purchased a universal life policy from Midwestern United Life Insurance Company in 1988 with a death benefit of $25,000. The policy is now with VOYA Insurance. We have paid the $230 annual premiums every year for 31 years with the last payment being made in Feb, 2018. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6a34df97d544eb78c6b4694daf682a2
encoding: FLOAT32
metadata:
{"chroma:document": "I requested my money be rolled over by phone authorization over 2 months ago. Then they send a form. Then I have to get through 2 password sign ins for the \"PlanWithEase.com\" to request an authorizations letter. I had to call twice to get in with the password I set a month ago. Go through about 25 clicks to get the letter I have to send back to VOYA to get MY money out! So they made money off my money for over 2 more months after my original request. Beware the \"Plan With Ease.\" It was NOT easy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be045f16faa44bf184d1768217413b00
encoding: FLOAT32
metadata:
{"chroma:document": "I have been fighting with them and their system to roll over my Roth 401k to a different company. But their \"check printer does not support a lengthy address\". Which the company I'm trying to roll over to has a lengthy address. Any time I call support (if they even stay on the phone with me), they just tell me to use the online functionality or call the company I'm rolling over to and get a shorter address. Their investment elections have cost me thousands of dollars in the past year, as I have been trying to get this rollover. Their site is bloated and hard to navigate. I would never suggest anyone invest with this company. I just pray at some point, they will decide to just hand write a check, so that I have get MY money away from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81dba663591c4e3dafaee3c2a7918dce
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{"chroma:document": "I fell and broke my femur at a bakery where I work one day a week. They called 911 and I was taken to Cleveland clinic as a trauma 1. I had a intermodal titanium rod put through my broken bone to straighten it a huge screw in my hip and two screw three my femur. They denied my claim as for profit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa1113d12a6843ff97041af8f22b2402
encoding: FLOAT32
metadata:
{"chroma:document": "I called to have my money deposited in my checking account. I gave them the info. Told I had to wait 7 days. Called back then I needed to fill out a form and fax it to have it direct deposit. Did that, called. Closed out acct on Sept 10th. Suppose to be direct deposited in 3-5 days. Wasn't, it was mailed. I didn't want mail. I am out of town and not getting my mail and I need the money now. A bunch of clowns, unprofessional and I am stuck and no one can help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38c5d066b9bf41018021b21071021d6e
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metadata:
{"chroma:document": "I've been working with Voya Financial trying to get a 401K distribution which I'm 100% vested for over 16 weeks and somewhere around 20 phone conversations. Their communication and responses are 100% non existent. They state they'll do things to assist in the distribution, but never responded to me in regards to status. The last response from Voya after 16 weeks of trying to get a distribution is that they cannot get a response from the Company's owner and I need to call and place a claim with the Department of Labor. Then Voya states that it'll take approximately 6 months for Department of Labor to rectify claim."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f241e690cb1b4574a3f53896187ba181
encoding: FLOAT32
metadata:
{"chroma:document": "Filed accident claim to where I had surgery but to my surprise since it was on the same job that I had taken the insurance policy out on claim denied. Be aware of what Voya does cover you if you get hurt on the job. You have paid for nothing... not one single thing you have give them you will never see."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1863fe5db1964e30a0aa5af1d1cccc78
encoding: FLOAT32
metadata:
{"chroma:document": "January 2018 we contacted VOYA to convert a life policy. Face value was only 52k but we needed the insurance. Voya made multiple mistakes issuing the policy, they actually had to pull their calls to confirm their mistakes because they tried to get out of processing the request. The policy was issued at the wrong age 1.5 months after the process was started. I called the Friday I received the policy, explained the issue and unfortunately my father-in-law passed that Sunday. Voya never corrected the issue age. The check was finally released 1.5 months after his death. The check was short $3245.00. A month later I am calling them asking where the money is. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd992cddad414e888ea7ea9c6b89ee61
encoding: FLOAT32
metadata:
{"chroma:document": "For months I've been jerked around by Voya. They keep losing my claims until the statute of limitations runs out then denies my claims. Their website says 10 business days but it's actually 20 business days or longer. Liars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5a352789a904ac3bc4f2e685bdd6dab
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{"chroma:document": "Routine inquiries, any customized assistance or shopping for better offers is nigh impossible or very very difficult. This is not all Voya's (formerly ING's) fault since this company's products are offered through a \"gate-keeper\" agency, i.e., Colorado Public Employees' Retirement Association (CoPERA). The problem with Voya is they've created a totally automated customer service platform that really is just another investment-bot product, which CoPERA promotes and defends for undisclosed/unknown compensation and/or reasons. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I wish I knew before now!! I submitted a death claim in April and 2 months later, I am still getting the runaround from this company. I thought a life insurance policy was suppose to help with the expenses of a love one when they die. Not SO!! I am still waiting! Unacceptable and inexcusable. SHAME on Voya Financial. If you're thinking about taking out a policy with this company... DON'T."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cf6e74fc16c4da29a6d6297397b19c9
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{"chroma:document": "VOYA goodbye. After numerous calls during which many instances of invalid information was given us, our attempts to transfer via a standard rollover did not happen (unlike that of which my E*TRADE brokerage account took one day to complete after its on-line transaction for the same type of business having no complications!). The second person we talked with at VOYA said that it could be effected on-line. After working with her for 40 minutes, she said she could do it \"at my (her) end\" and we were assured it would be done within a couple of weeks. After finding no action had taken place and no funds were transferred, we again initiated contact. We were told that forms would have to be mailed to us, at which time we balked and asked that they be faxed instead. We completed, signed, and faxed to release documents back the same evening."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fce521bcb13474092c8954390531e3c
encoding: FLOAT32
metadata:
{"chroma:document": "This is the second time VOYA mishandled a simple request to roll over my funds into another retirement account. Their excuses are always, \"Sorry our system is down,\" the back office did something wrong, there was a process delay with the checks, etc... I am taking all my money out of VOYA Financial, if they can't handle a simple request to rollover funds (after completing the appropriate forms) and doing what I have to do can't imagine they can handle any money management. Inexcusable for a financial institutional. I will be filing a complaint with the Attorney General's office and any other entity governing financial management institutions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aec6e1292f314d10a150407a68c3bf8b
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{"chroma:document": "Requested a distribution from my 401k to meet my required minimum distribution because I just turned 70 1/2. Made the request on 5/13/18 after completing and faxed the forms required. Receive a letter 2 days later that the forms were received and approved and that the funds would be deposited in my bank account. The money was taken out of my Voya account on the date of the letter. The money did not arrive in my bank after a week. I called and was informed that because my checking account is in a trust I would need to have the forms I sent in to be notarized. I did not understand what my bank account being in a family trust would be relevant since it is only receiving the money. My Voya account is not in the trust and is the account sending the money. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ecb4f3e3e29e41a88c98c3a122f222c1
encoding: FLOAT32
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{"chroma:document": "I recently requested a withdrawal from Voya last Tuesday 5/29/18. I happened to call and ask for a UPS tracking number, that's when I was informed the requested was rejected. Not one person contacted me to ask questions or email me when a update. On Friday I was told by a line supervisor name Chris I would we be contacted by phone within 48 hours. I still haven't received a call. I called 4 times in one and each representative states, \"I'm notating the account, a decision hasn't been determined.\" I have spoken with several retired individuals and they state for the headache I should redirect the money to another source or financial advisor. If the online system allows you to make the request, naturally the individual will assume the system is approving and processing the request. I will update the outcome once I get a definitive answer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cdfa7997c9e84091b37367981fdfde90
encoding: FLOAT32
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{"chroma:document": "Voya's customer service is poor at best. It appears to be outsourced even if it isn't. They have messed up the cash out of my father's estate by sending checks by mail when I paid for overnight service. They took forever to get it figured out and I had told them the timing of the cashout was time-sensitive. I had two cashouts on the same day, executed the same way with the same forms and they processed them both completely differently. They sent one overnight and the other by snail mail. They wouldn't send them so I could them before 8 pm at night even though I requested that and would pay for it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1138bc23016478ab0a7a65931c5a2e3
encoding: FLOAT32
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{"chroma:document": "Voya spent 6 months trying to delay the payment of a life insurance claim on my Mom. When they were pressured enough with threats from me and the Minnesota Insurance, they issued a claim check. Voya then bounced the claim check twice. Either their finances are very flaky or the claims underwriters are the most vile and despicable individuals the planet has. They will abuse the bereaved and do all to cheat the policyholder. I would say, \u201cShame on you Voya\u201d, but you have no shame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f51f794bbb164cce8afd0e3d226c0351
encoding: FLOAT32
metadata:
{"chroma:document": "Employer-provided accident insurance - These guys procrastinate as much as possible in hopes of claimant giving up and going away. They have only one concern and that's collecting premiums, customer service is much like processing claims. Nonexistent at best. I have decided to inform my employer and coworkers to cancel their accident insurance, it's a waste of funds on a policy that can never be depended upon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e06462cbbecb49d4bf55f8ddada8f098
encoding: FLOAT32
metadata:
{"chroma:document": "I was considering signing up for long term disability insurance but the customer service gal from the customer service # would not help me with \"GENERAL\" Policy definitions and questions unless I disclosed my full name. What a joke! She said it was for security purposes and refused to answer what \"effective date of coverage\" meant. How are people supposed to research if a policy suits their specific needs unless the company discusses fine print and disclaimers? Talk about no transparency. I then asked her for her full name and she said she could not divulge for security/privacy reasons. What an idiot. Where do they find these people? I will NOT be purchasing a 401K or LT Disability Policy with Voya. No thank you!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 178bae4a1d94464ea60e90c8b6d2f160
encoding: FLOAT32
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{"chroma:document": "Recently transferred a high-value 401K managed by VOYA for Yum Brands to another financial institution. VOYA seemed to throw roadblocks up right and left to delay the transfer. It took six weeks to transfer the funds when it should have taken 10 days at most. They acted like they were doing everything they could to hold onto the funds as long as they could. It may not seem like a lot, but I lost over $500 in interest because of the delays. Simply unacceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c7d7d38d1f8498d9d3ca5dc5e484cf9
encoding: FLOAT32
metadata:
{"chroma:document": "When taking a $1,000 loan from my 401k plan which was approved and the check sent to me I took it to two places and got a response of nonsufficient funds declined. Why?? I am trying to figure out if the check is good and so is the creditors."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc8f755938744072aa1ac154f38b217f
encoding: FLOAT32
metadata:
{"chroma:document": "Having 401K account at Voya I twice had difficulties to resolve simple issues: first, being retired, when I wanted to start withdrawing my money on monthly basis, it took for them no less than 2 weeks to process my request. Then later I decided to receive annual distributions each December INSTEAD of monthly ones, I called them in September 2017 about it, they OKd it, but have never send me any confirmation letter or email and to my big surprise in December 2017 they transferred annual distribution ON TOP of the previous 9 monthly distributions... "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ed057e3244c412b8eed2a5a0b149435
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst company I have ever done business with. State of Oregon decided to have this horrible company manage our Oregon Growth Plan. I withdrew money on 1/3/2018 spoke with an employee named Shekoa. She asked me if I wanted to have federal tax and state tax withheld, I told her, \"No, only Federal tax,\" twice. Well when the money is deposited they deducted federal and state tax."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94216054dc9f4feb8fb37ca0e4b2fa51
encoding: FLOAT32
metadata:
{"chroma:document": "My father died in September. It is now February and I am still dealing with this horrible company who transfers me 5 times every time I call and then won't give me information. I have filled out forms and more forms, and then they decide they want more forms and more documents. One time, faxing is ok, one time it is not. THE WORST!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 649b5b1c235b4099a59f068cb11388dd
encoding: FLOAT32
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{"chroma:document": "My employer recently switched from a well-known, reputable financial company to Voya to service our 403(b) retirement plans. The problems for me started right away because I had a loan already existing from the previous company, which Voya was supposed to just start serving. In all paperwork it says Voya will debit the monthly loan payment from my supplied checking account (which it took me weeks to successfully enter into their website/system). A couple weeks after Voya took over, I get a loan default notice from them. The loan I had was in good standing when we switched. After numerous calls and emails to them (their customer service is terrible and each person you talk to will tell you something different) they agreed there was an error and reinstated the loan (not without first making me pay $500.00). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 491cef84c77c4954b89824f33910b9b3
encoding: FLOAT32
metadata:
{"chroma:document": "I have been forced by the state of Michigan (my employer) to use this company for my retirement management for years and it has been nothing short of a train wreck. I am a seasonal employee and am laid off for 3 months in the winter each year. I have taken 401k loans out 2x now and there is never a problem getting the money. The problems start when you try to repay the loans! I had payments set up to come out of my check. When I went into layoff, I discovered that they don't accept personal checks for payment, or wire transfers (unless you set up an automatic withdrawal - no way, I don't trust them!). The only payment they will take is a post office money order in the EXACT AMOUNT. If it is even a penny over they will send the check back to you and say you are late on your payment and in danger of default. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 40f6897a2621414b86930a5469aca393
encoding: FLOAT32
metadata:
{"chroma:document": "Not only did they have the wrong address on file, going from correct to not, but they send everything weeks late. I did a process of drawing my retirement on the 3rd, and changing to paperless. There is no confirmation. No tracking number. Nothing. So they decide to send the check with UPS. I call multiple times over 2 weeks to ask what\u2019s going on. I get \u201cno idea\u201d and \u201cdo you want to cancel and try again?\u201d Which would take probably another 2 weeks in their \u201c3 to 5 day timeline\u201d."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4582bb91d114befb4266f1a862956cd
encoding: FLOAT32
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{"chroma:document": "These people SUUUCK. I never signed up for additional benefits on the plans my employer offers and these thieves sign me up anyway and start deducting my paycheck! I have to waste my time and call to cancel and when I ask for reimbursement on the money they stole (I have physical evidence that I didn't sign up for their plans and they just signed me up without my consent) they said they don't do it! I told my employer that they wont reimburse me. My employer said, \"Yes they are supposed to\". It took a supervisor calling them for them to admit they will reimburse me but it will take two months since they have to wait for the January bill to come through and then it takes a month after that. So end of Feb I'll get my money. You can bet your bottom dollar I won't forget VOYA and if you don't reimburse my money I'll be calling. Thieves. I had cancer and need every cent I earn and they just steal it like that. That is very unprofessional and just WRONG."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 441666ce99614f77ac8a4684302bcfd5
encoding: FLOAT32
metadata:
{"chroma:document": "I filed my wellness claim Jan 2 and I have both critical and accident insurance. I received my benefit from my critical illness but not my accident. We are now on day 7 and all they can tell me is that they have expedited it and have managers involved and they will contact me within 24 hours. I have been told this several times now and I don't know what you all think expedite means but to me it means that is priority and should be done quickly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea9881b060d94b3c877ac2ce408e3f5b
encoding: FLOAT32
metadata:
{"chroma:document": "Customer Service is terrible. You can tell by the tone and attitude in their voice that they are not in the mind frame to actually provide customer service to you - the consumer (how dare we call and bother them). I had a general question about my wellness claim. Before I could even finish my question the rep rudely cut me off and informed me that it takes up to 5 days to process my claim. She just dove right into the generic, pass the buck and good luck way of doing business. Had she listened to my question fully before cutting me off, she would have heard that it does not matter when I submitted my claim, my question had nothing to about the processing time. It seemed like she didn't even want to deal with or even touch my case, look up my information or answer my questions until after 5 days. WTG Voya for training your employees and making sure your customers are well cared for!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49c7e606b68d456b8a74506f1aa8f576
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{"chroma:document": "Letter in September gave the amount of increase in premium effective November. Allotment was increased effective October. Got a letter in November stating decrease of face amount due to non receipt of increase. Numerous phone calls and a Fax showing the increase in allotment later the matter was supposedly resolved. Received a letter stating that in early December. Today received a letter dated Dec. 21 stating decrease in face value due to non receipt of increase. This matter will be turned over to the insurance commissioner!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c060e1025f3e4304aa5bd2da39bc050c
encoding: FLOAT32
metadata:
{"chroma:document": "Applied for a over 59 1/2 withdrawal the Saturday after Thanksgiving. Still waiting for the funds on 12/15. Nothing but worthless lip service from Voya reps. They made a lower bid to manage my employee 401k fund and took over from Hewitt. Big mistake on the part of my employer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f9df4c274a74e35b457521529076211
encoding: FLOAT32
metadata:
{"chroma:document": "My employer recently switched our profit sharing retirement accounts to Voya Financial. This morning a coworker of mine and I had difficulty registering to access our accounts on their site. After registering, I couldn't get into my account. Called the place numerous times with no success. Still can't access my account online. Had to do it online. I wouldn't choose them if I was given a choice!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c83999232be142a7bcb17f278f1e57f9
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{"chroma:document": "On October 24 I requested a limited withdrawal from my retirement account from Voya Financial due to expenses related to Hurricane Maria. The first request was cancelled and no one can tell me why it was cancelled. The second request for withdrawal went in on November 2, when they rapidly withdrew the money from my account but it has been 5 days and the money has not been transferred to my bank account on file. I keep calling them and I just get the same explanation: \"The money will be transferred when the funds are released.\" The money was released when they took it out of my retirement account. So, where is the money? These people are making money out of the misery of us who suffered through Hurricane Maria's wrath. Shame on you Voya Financial."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eeda476d99124cfa99050404524d9c13
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a ReliStar policy for over 30 years. Policy has a 4% minimum rate return, that was honored for many years, but starting in 2009 Voya decided to reduce it to 3%. I have sent policy showing the 4% minimum, and I am still waiting for acknowledgment of their error. Poor customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 096a78b4413a421e9f2eebb86fea9737
encoding: FLOAT32
metadata:
{"chroma:document": "Submitted a hardship withdraw for home repair and all necessary documents. When you apply for a hardship it is an emergency but you have to call them constantly in order to check the status of your request. You get told different answers depending on who you talk to in customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07ea51f2bb1e4daeb43bdcd1326607c4
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metadata:
{"chroma:document": "I have requested to withdraw my money from this company going on 4 months now. The company I worked for was bought out by another company so my retirement fund was transferred from Fidelity Investments to Voya, where all of my problems started. From the get-go I was told that withdrawing my money would be an easy process, I would just need to fax a copy of my social security card to verify my account since it was transferred. I did this immediately and waited the week long period in which it would take to appropriately verify my account as I was told by the customer representative. Once I called back, I was told that none of my information could be verified and that I would have to call the HR representative at my work because they must be transferring information over incorrectly so Voya does not currently see ANY account open under my name. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1442a90eab33490fa6d40831fb30addf
encoding: FLOAT32
metadata:
{"chroma:document": "I have contacted Voya Financial regarding Hardship Withdrawal roughly 3 weeks ago, explaining the clear urgency of my situation which was covered under one of their options that will qualify for Withdrawal. It was denied, but none of them would even call or email me to advise what it is they would need to help expedite this process. I was told I had to redo the request package over. I did it again and this time I made sure there is every thing they say they need to be able to approve it. On July 14, 2017 I spoke to one of the managers and he said he would \"elevate\" it because EVICTION is a serious matter. We both assured that all the documents are in good order. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89b3f952411741788e5bccd77cad7691
encoding: FLOAT32
metadata:
{"chroma:document": "This company is honestly the worse ever. I had shoulder surgery on May 30th 2017, I'm only suppose to be off work 10 weeks, they said they can't start payment until after 30 days, then on top of that they can only mail you the check once a week, no direct deposit. So every week on Friday I go check my mail to see if my check has arrived, smh, sometimes it\u2019s there during the week sometimes it\u2019s not. Today is Monday July 24th 2017, I didn't get my check from last week so hopefully this week they send both of them. People who are off work due to an injury are already on a set income, I use my short term disability check to buy groceries and put gas in my car which I haven't been able to do and feel like a straight bum, I\u2019m for sure getting Aflac next time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b518fc0bebb42ac8cb8184c681ce8a5
encoding: FLOAT32
metadata:
{"chroma:document": "Nothing this company and their retirement offerings are standard. None of the funds have legitimate ticker symbols, so you can't follow them. You cannot get in-service withdrawals after 59.5. We have a stupid management and they stay with this jacksticks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5661d51302b74cdd9202b7154c243700
encoding: FLOAT32
metadata:
{"chroma:document": "My father passed away last December. Voya is the plan administrator for his savings plan of which my brother and I are beneficiaries. It's been over 6 months and we are still trying to transfer the funds to a new plan. Consistently, we are told \"The system is down,\" \"You need to now fill out this form,\" \"Once you fill out the form, it will be another 5-7 days and then you need to complete another form,\" \"Call back tomorrow.\" In addition, I have spent hours on the phone only to be disconnected randomly. Each call back requires me to start over with why I am calling. The experience has been the same for my brother. My financial advisor stated, \"We have never experienced anything as awful as Voya.\" Do not willingly choose to work with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c3596d308b2465892fca179713a5f83
encoding: FLOAT32
metadata:
{"chroma:document": "I'm not sure why people have left so many bad reviews. I called customer service on Friday, June 2, 2017 around 4:30 pm to request a loan from my 403(b) retirement account. The customer service rep I spoke with was very courteous. The phone call only took about 10 minutes. I checked the website and my documents were available to print. I printed and faxed them into Voya. At 4:54 pm, I received a confirmation email that my documents had been received and would be and reviewed and/or processed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74f5d799ac7d4c93b82268d2bda9835a
encoding: FLOAT32
metadata:
{"chroma:document": "The worse retirement company ever! I left my job four years ago. I literally have been trying to get my money from my 401k for four years. I just gave up trying. So I started back last week trying to get my money. I called again, and was told I have to go through the employer to get the papers I need to withdraw my money. The employer has since been bought out. VOYA would not give me any information on my money. MY address has changed six times in the four years. I have no freaking idea what address they have on file. This company is a nightmare and should not be in business. The customer service sucks. Worst place by far to trust with your money. I see countless reviews all recent in regards to this company. I WANT MY MONEY AND I WANT IT NOW!!!! My brother is a lawyer and I will be discussing my options."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cc1fba4d53c409cb32c4bd6a203a4f2
encoding: FLOAT32
metadata:
{"chroma:document": "Totally useless customer support. The stall tactics and feigned mistakes and lack of communication are all part of their well rehearsed game.The CEOs and managers go to school to learn that stuff. They say \"It's just business\". Well be clear their business is to keep your money as long as possible until you just give up trying to get it. It's legalized robbery. Of course they should earn fees for investing your money but they do not seem to care that you have a contract, They do not honor it. They have not paid a dime to my mother-in-law who is 93 and in an expensive Alzheimer's facility since her husband's death over 2 years ago despite calls, emails, forms notaries, powers of attorney and 2 sets of lawyers (all using up the gains accrued by investing with Voya). Also our pain and suffering emotionally knowing that my father-in-law is turning over in his grave knowing what he worked so hard to provide for his wife's care has been stolen. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16fc97dc6fbb4a7ba65d0d5de8961259
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a hardship loan (401k Voya) on April 6, 2017 and still have not received my money. I have been given the runaround for almost three weeks. I just called and was told that I would have my money by Friday because it takes 2-3 business days after it is approved. Friday will be too late, I needed the Money by April 20, 2017. Their customer service and managers suck. I can't believe that companies invest our money in a company that provides bad customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a11ea81b810847a1b692e0df34fb5a87
encoding: FLOAT32
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{"chroma:document": "I spoke to a customer service representative about withdrawing a loan from my 403B. I told him it was a hardship loan yet he told me he would mail the forms for me to fill out. After 4 days of waiting for the forms I called back and they told me it could take up to 7 days. I asked them if they had a quicker process and then they decided to finally tell me I could go to the website, print the forms and fax them. I did that a week ago and the next day they withdrew the funds from my 403B account but still haven't deposited it in my bank account. I called them and they said it takes 7 days to process the withdraw. I have never had to wait so long for a loan from my 403B and I have invested with several other companies. They also have horrible customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75ec6d122a374be2960412db5d54b502
encoding: FLOAT32
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{"chroma:document": "When I tried to get my mother's 401k out after she passed away they sent me a bunch of forms that had to be notarized. So I took my 90 year old father to the notary to get it all done and sent it all in. Eventually they sent me back a note that it was not done properly. It had to have a Silver Seal notary or some such. So I had to find one and take my father to the bank to get it notarized again. There was no possible reason to send the wrong paperwork in the first place other than to give us the run around. Very poor customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18eb0ea1010c497a98229c3e3dc53f08
encoding: FLOAT32
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{"chroma:document": "Voya representatives act snotty and lack sympathy and common sense. They don't care for their clients. My client performed a trustee to trustee transfer of retirement money (leaving Voya). Voya even sent a check made out to \"XYZ Trust FBO Client Name\" and then issues a 1099-R. Obviously this is trustee to trustee transfer, and an erroneous 1099-R. It's an easy fix but they won't do it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7eef3004153b49569cb2b26466a7a829
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{"chroma:document": "Voya is the company for which I have my 401k account through my employer. I had a situation come up where I needed to pay off a loan I had taken out previously so I could take out another one. Called Voya for the address where I could mail a check & pay off the balance, I was given ONE address & proceeded to overnight a check to the address given. I followed up with Voya calling multiple times throughout the week & was told to give it a few more days. I proceeded to call again on Monday & was then told I had mailed the check to the wrong address & there was a special address to overnight checks. I knew nothing of this separate address because I was only given the one. There was a claim opened to try & find the check that was delivered Tuesday, March 21 at 2:20 pm. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 445bef1ba99f4ec0b68a156dd61eac36
encoding: FLOAT32
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{"chroma:document": "Not only did it takes weeks after weeks as they kept changing my address now I haven't received my tax information for filing my taxes for 2016 and they say they don't know if they sent the required info but want me change my address again. This is the worst company I have ever dealt with and urge you to NOT invest in it. I finally got my disbursement because a postal worker went PO Box to PO Box and found the wrong number had been put on it. Incredible. California teachers don't invest your 403Bs in this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abd6eb24578c44069c78ee175b19861d
encoding: FLOAT32
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{"chroma:document": "Voya mailed me a notice that \"I authorized them to change my address....\". I absolutely did not give Voya permission to change my address. And, they changed my address to my former address of 11 years ago. When I was at my former address, I survived the nightmares of having my identity stolen. The notice from Voya struck all the wrong nerves. The Voya customer service blamed their vendor for making the unauthorized change. He explained that the vendor did that whenever there is \"returned mail\". He offered to change my address back. But when I asked him what happens when USPS fails again to deliver a Voya mail to me. He said, \"Call me back and I will change it again\". I called my broker/agent, who told me to \"take a deep breath\", and asked that I do not send her the Voya notices. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcb52416b96b44019da0e065d7aef576
encoding: FLOAT32
metadata:
{"chroma:document": "This company claims to be highly ethical but my experience certainly does not support any of their claims. Instead they are ARROGANT, ARROGANT, ARROGANT. I withdrew money from a 401 (k) Plan administered by Voya. They withheld taxes at double the rate that is required. I, nicely, pointed out their error and asked them to fix the problem and send me the rest of my money. Their answer - error could not be corrected. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a88bdb1da8ed49aa8eb16299b64ee0dc
encoding: FLOAT32
metadata:
{"chroma:document": "This company commits fraud every month. Today, 2/28/17 they are asking me to pay my January-April 2017 premiums. I paid my January premium 10-days late because I did not know that the due date was January 10. They returned that check. So I paid January and February premiums as soon as I received that return check on 2/12/17. Today, 2/28/17, that check has been returned by VOYA and they will only accept payment through April 30, 2017. Why would I need to pay my April premiums on February 28? This company commits fraud every month with me. What about other customers who are not able to push back? I'm reporting them to the State of AZ Attorney General's office and the Consumer Financial Protection Board today. Do not buy insurance from these people unless you want to have fraud perpetrated against you every month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebe14556992b40d0862b39da092f46b0
encoding: FLOAT32
metadata:
{"chroma:document": "My wife received a notice from Voya saying she needed to request a minimum distribution from her KS Board of Regents 403B plan. I helped her with the required paperwork and mailed it 1-6-2017. Since there was no response I called Voya and was told she had to request the withdrawal online. I was transferred to \"planwithease.com\" and held for 40 minutes. Finally a lady named Kat come on the line and told me she could only speak with my wife. We were both on the speaker phone but Kat would not let me speak. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f6d633bec9c456c9c72b61041cab0c9
encoding: FLOAT32
metadata:
{"chroma:document": "I closed my account on the 6th and paid a few to have my check sent expedite and by UPS. Well after a week got nothing. I called to get a tracking number and they explained it got sent accidentally regular mail and they would refund the 50 dollar fee. Well now 2 weeks no check and I called every day for a week straight and spent over 2 hours each day on the phone with different supervisors giving me conflicting stories and excuses and to have a racial comment made was the icing on the cake. I got almost 3k stolen from me from this company that is lost somewhere in regular mail by these people and I want to take legal action and go public about the racial comment made. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 226445ef6a234f74a3abed3677536dfb
encoding: FLOAT32
metadata:
{"chroma:document": "I mistakenly on-line signed up for a one-time repayment on a personal loan from my 401k, immediately I contacted the service via email and attempt by phone. I followed this up with 2 more phone calls explaining the error and requesting to make a 3 year auto pay installment on my loan, I was assured this could be taken care of. Alas! VOYA attempts to withdraw the entire loan from my bank account, I respond saying \"hey! Wait, I was under the understanding this was reallocated!\" I was told that I had to repay the loan in FULL otherwise be taxed for taxable income! I repaid in full and received a 1099R for a MUCH MUCH like 12 x's the amount of the loan as taxable income! Which is insane as I repaid the loan in full in less than 30 days that I was told it had to be!!! I have NO STARS for VOYA as their customer service was robotic and difficult! BOOO VOYA is the WORST!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80b541c1f85a4e8da07b7653caf922c5
encoding: FLOAT32
metadata:
{"chroma:document": "I did a cash advance and some charging the first month I had their stupid card. For some reason a checking account deposit held up my CC payment and they locked my card. They even dropped my score before I was able to pay. These people are real gally to be shutting off my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62fd187d05e14792bb9b7d6911db03dd
encoding: FLOAT32
metadata:
{"chroma:document": "We got the FNBO Credit card during shopping at Sheels in CS. The card word fine and the online account worked most of the time. We did get the technical issues try later message from time to time. Then we had a fraud deduction for about $64.00. We called the fraud number and reported it. During the authentication it turned out that the maiden name was misspelled. The send me a one time verification code and all was good. They told me to call back after the fraud transaction was moved from pending to posted. Called again after it was posted, the same thing happen with the maiden name being incorrect. This time they told me to go to any bank with an ID like DL or Passport and let them call the number on the card to confirm that is was me. I went to my Bank in CS and they laughed at me, sounds like a scam to me. So, they didn't call and got in the tree and and and...I do understand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d355c53351c043f381dbf60930837987
encoding: FLOAT32
metadata:
{"chroma:document": "So, FNBO gave me a credit card. We were both okay for a few years. Then I charged a trip to Mexico on another card (who is also going to get a bad review). That obviously upped my utilization rate, so the other card cut my credit limit down - so my score went even lower. Now, I have an EXCELLENT job and an EXCELLENT payment history. I pay more than the minimum EVERY month on all my cards that have balances. Well, I locked a bunch of my cards to have them sit a bit while I pay others off. One of those that I locked was FNBO. So, THEY decide to lower my credit limit, even though I had the card locked, wasn't using it, and had always paid them on time and more than the minimum when I had a balance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e103ac1b9844e83b5e2015eb1baf371
encoding: FLOAT32
metadata:
{"chroma:document": "They were my first credit card. I started with a $500 limit. I just wanted to build my credit. I started making more money and the limit went to $1k. During the height of the pandemic 2020, I paid the balance in full, but somehow they rolled over interest from the previous month's balance. The amount was less than 3$ and went unpaid inadvertantly. They cut my credit limit in half back to $500. I now earn almost $100k a year, with a $500 limit, after being with them for 6 years. Today I was approved for a much larger amount, with a bigger bank, who offers better cash back. To hell with FNBO. Who do they think they are?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f88e0635c39b4a219ddf256582163bed
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a card with them (Amtrak). First, like the other reviews say, they send cards without activation requirement which makes me not comfy because someone else can steal the envelope and abuse it and they would not honor their zero liability policy, this is based on my personal experience. Second, their customer service seems to me like they are more volunteers than professionals, just compare it with the Big banks. Anyway, I tried to dispute a charge and they denied it based on non-sense. I DO NOT TRUST THEM AT ALL AND I WISH I READ THESE REVIEWS BEFORE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a880d616cc514d06892eaa934edfee3d
encoding: FLOAT32
metadata:
{"chroma:document": "So, I saw fraudulent activity on my card one night as a pending charge. I immediately called customer service to report it and was told a new card would be in the mail and I should receive it in about 7-10 days. The card shows up and not only does the paper have my FULL credit card number typed out on it but there are no labels on the card indicating they need to be activated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6679df886834f1db30b1db8b4ed93be
encoding: FLOAT32
metadata:
{"chroma:document": "Run! This is the worst bank I have ever done any business with. I signed up for the World Card from Fran's Farm and Fleet and received approval for a $10.000 credit limit as my credit at the time was doing well. Now I spent about 4000 dollars on the card from some some Christmas gifts and a few necessities. They completely ruined my credit by changing my limit without any notice or reason to right about the amount I had spent on the card. Then that same month they also processed 2 of the same payment, same transaction number and everything, which was had a completely different format from the prior payments on my bank statement, my primary bank contacted me to let me know that they had reversed the charges as it was a fraud attempt."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: acb34cf7d0b24f0bb5b8a1c94ded1cb4
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has the worst payment system, ever. For the second month in a row, I have made my payment on a personal loan early just in case I did not have enough money in my account on the due date. The FNBO website says if you make a payment early outside a 3-day window of the due date, they will not subtract another payment. They lie. They have put me in overdraft with my home bank twice by doing this. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7fb23d67391e48a4902faa9a10bc61a8
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a BP Visa account for a long time. FNBO bought the account some time ago. Their technology is clunky and they are a pain to work with. More recently, they lowered my credit line which I have had for many years, causing me issues with a planned purchase. While not necessarily a fan of Synchrony Bank, I have a new appreciation after dealing with FNBO. I would not recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ea0f1c566f840129eb6a4841beda7c1
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give them a negative star review, I would. Deceptive and damaging practices and horrible--make that NO customer service. I started with a credit limit of $3900 and a 0% introductory offer. I paid at least the minimum every month on time. Within 3 months, they lowered my credit limit to $2950! No explanation. Obviously my credit score took a ding as I went from using about 60% of my credit on this card to almost 90% due to the lower limit. The rest of my credit was good, so it was a relatively minor ding, but still annoying. When they dropped my credit limit again within a year (to $2250) I messaged customer service to complain and ask why, and got a response that they had mailed me a letter with the reason for the change. (Why have online messaging if you're not going to give any useful information online?) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: adabb2e82ec443bd9d2d45e74050c1d7
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying for months to work with FNBO on a dispute case. Every time I call in I am transferred a couple times and then told I need to speak with another manager or department. I am then told I can wait for them to call me back as I have been put on a manager queue. How long is that queue or are there no managers there to call back or to respond to a customer? Another day turns into 2 weeks and still no call back. So I call again every day for a week and still I am on the queue for a manager. Never shopping with these cards again...sorry Scheels and Runnings but I am not using your store cards again. Canceled."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f939f284d794c5ab11d4fa6128350c9
encoding: FLOAT32
metadata:
{"chroma:document": "I don't know about their bank activity. I express my On-line experience with this credit card company. Be very careful with this company. Theirs's website is very confusing. I opened business account at Community bank and I took convenient offer to get credit card. Surprise 1 it's through FNBO. Then \"surprises\" started; on the web you can make One Time Payments, for automated payment have to call in. If you think that Reacquiring Payments is for setting up payments, you will be surprised. Reacquiring Payments, in their understanding, means It pays off entire balance of your credit card. It takes 10 business days to reverse payments, meanwhile I have to pay $36 overdraft fees every day. I had this card for 6 month, 3 months I used it. If you want to contact FNBO go to Treasury Support tab that their name for \"Contact Us\" tab. I am cancelling it now. Switching to another bank before it's too late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 787411562aa14a01851d4332f7dcc3d0
encoding: FLOAT32
metadata:
{"chroma:document": "Almost every time I try to access the website there is an error logging in. Sometimes it is an authentication error, other times they are server errors 500, 404, etc. Sometimes the website is down for DAYS at a time. Completely locked out of my account. Can't see any transactions, balance, and worst make a payment. And then payments can take 4 days to go through. So if you have a due date make sure you give yourself a few WEEKS to pay it because the website most likely won't work in time. Support team is useless as always not worth even contacting. Of course, nothing will be done about it so why am I writing this?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98f0be772f9048ba93e02ef3148727f1
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a checking, account, and credit card as part of a promotion. The credit card application got declined because they couldn't verify my identity. I have opened several credit cards, checking accounts with various financial institutions over the years and this was the first time I ran into something like this. When I called to ask what they needed to verify my identity, they didn't have answer. They just wanted me to apply again, and get another credit enquiry. This is a terrible institution and I will be closing all my accounts with them, and stay away from them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a4ce8fdf4ec4398b2bd8a951454653a
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I make a large purchase they lower my lit to a few hundred bucks of what I owe them, making me using over 90% of my available credit. I\u2019ve had my score drop dramatically because of their ridiculous games."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e528a5da339949668bd13dd3953c2c6b
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied for a co-branded Visa Credit Card for Scheel\u2019s Sporting Goods. I was contacted by FNBO requesting additional information to confirm my identity even though I already have two other cards issued by them. The forms of ID they requested were:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 960eb8066af0448daa7906ac75afb9d6
encoding: FLOAT32
metadata:
{"chroma:document": "I received a packet in the mail from FNBO and was considering applying for their Visa credit card until I read all the horror story reviews on this site concerning the bank lowering credit lines for no reason. My score is 800+ and I pay my cards in full every month, I'm sure the same thing would happen to me had I gone ahead and gotten a card. Thanks again to all who took time to review and saved me and others the pain and suffering."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b39553c0a5dd4482839f7308d3b870dc
encoding: FLOAT32
metadata:
{"chroma:document": "Run as fast as you can!! This bank is the biggest fraud I've ever done business with! Offered me a credit limit on the Evergreen card of $13,100 with zero interest for a year. I charged a little over $7k, put half the cost of my Generac generator on this account and paid the balance down to under $3700 in a few months. These jokers slashed my credit line to $4k with no warning and for no reason! I was steaming! I called to ask why and all the rep could tell me was a letter was mailed out the same day I called, which was 2 days ago. I paid the entire balance and shut this bait and switch card down! My credit score dropped 30 points points!!! FNBO you will never have the chance to play with my credit again! This is horrible how you reel people in with your high limits then penalize those of us that are responsible and pay on time and more than the minimum! You are disgusting, but thank God for American Express! You lost a good one! Bye FNBO. You can take your card and shove it! Put your Nike's on and run from this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd504390c864474485d13a3d99e97d3f
encoding: FLOAT32
metadata:
{"chroma:document": "FNBO bought our local bank a month ago. So far, they debited me $235 for a $35 check and just said they would get around to it, didn't let me add one savings account to my online ID because they miscategorized me as a \"signer\" instead of an \"owner\" (it has always been a joint account with my husband), charged me the annual safe deposit box fee in December that I paid last May, and changed the address on a billpay vendor to the wrong state. Stay away from these people if you don't want to spend hours trying to get their screwups fixed!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77fb14a6e1a24bccabe615c4f168c76b
encoding: FLOAT32
metadata:
{"chroma:document": "These people from the company conduct unethical business activities. They grant you credit then later flocks it with nonsense excuses. What they request was fulfill but yet they are still in denial! Don\u2019t waste your time and mess up credit by applying with their bank. My score was 848 and they just can\u2019t believe it. I\u2019m sure it\u2019s better than most of the staff there that\u2019s questioning me!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 854f641de3364d8db8138a63fa941449
encoding: FLOAT32
metadata:
{"chroma:document": "I got approved for a $25,000 credit line and it was cut to $7,000 without any warning! I am waiting on an explanation to why, as the agent couldn\u2019t explain it! But now I realized that this is a common practice by FNBO, Keep in mind I have 830 credit limit, never had a late payment!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdfdeab60c064e578245fed40bd166e1
encoding: FLOAT32
metadata:
{"chroma:document": "Got the FNBO getaway card in September and closed the card immediately!! They said I was under a fraud investigation for no reason!! I went out of town and next thing you know my card was declining!! Come to find out they had me under investigation because they said that I didn't have a phone number on file!! Which is crazy because on your account they give you the option of reaching you thru telephone number or email!! I chose to be contacted thru email and that's a problem!! I always paid my credit card on time and never gave 'em a reason of suspicion!! So tried to rectify the problem and the fraud department says that I have to show documents to a local bank to verify it's me!! I said no way!! And I cancelled that card asap!! Never in my life have I got disrespected by a bank like this before!! I REPEAT DO NOT DO BUSINESS WITH FNBO!! PERIOD!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b07e5177385493cb0e5b27dfa281f6f
encoding: FLOAT32
metadata:
{"chroma:document": "Just received a notice that my credit limit was cut in half from what I originally signed up for. Obviously affecting my credit in a negative way. I am less than happy Especially after just paying $3000 on the card a month ago. They will rope you in with a decent credit limit. Promise you everything. Then when you go to use the card A few months in they will cut your credit limit down by roughly 50 to 60% for no real reason. If you want to deal with a good company do not use them, I will be paying off my card immediately, and closing the account and will warn every person I talk to about this. Very crappy business practice, whoever\u2019s in charge at this company needs a new job. Too bad I could not give zero stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61810cd362354ee9bfafa1eaf4d37bd7
encoding: FLOAT32
metadata:
{"chroma:document": "I just paid my entire statement balance. I am using this card now to pay off our many medical bills that were acquired this year. I logged into my account this morning and my credit limit was reduced by more than 50%. I pay my balance each month, and find this extremely disappointing. With the new charges, it looks like I am maxed out because of the limits  I have never had a credit card company do this to me before, lower a limit without warning. The BP Visa should have stayed with Synchrony and never switched to FNBO. I will be closing my account. I do not recommend this credit card or bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12e706f96cbe4271b5150cb35cc9faef
encoding: FLOAT32
metadata:
{"chroma:document": "Unfortunately this really happened to me. I've had this card for 16 years and have made very sure not to be late on it, even when times were extremely tough - like after my house flooded in the \"Great Flood of 2016\" and I had to max out all my credit cards to start work on my house since I couldn't get money from my insurance company as quickly as they promised. I had a relatively small limit, about $3500, but the minute I sold my house I made a $1500 payment on this card to get the balance down. My reward? They DROPPED my limit to $1750."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96953faece8848fc91b2809a9b15af63
encoding: FLOAT32
metadata:
{"chroma:document": "With a perfect FICO scores of 800+, using card monthly and paying it off monthly - they sent me a letter one day of lowering my limit from 15,000 to $500. When I called in to ask why - they came up with bogus answer's claiming it's not their fault, but it is credit agencies who sent a signal to them. Then while I was on the phone with supervisor I pulled all 3 my credit reports, and found that my scores are still 800+, never late, never failed anything, I simply ask them again \"what is a real reason behind it\", they still could not answer that. So I had to close it and promise - I will never ever use this bank again and I do recommend you the same, especially if you have good or excellent credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1567796e5b342cdab98c0f5a2b70e0f
encoding: FLOAT32
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{"chroma:document": "Was initially approved for 10k limit which was amazing for my credit. Most I ever spent on the card was $1200. Paid everything off, every month. Got an alert from experience that my credit was decreased to $500. Not even Capital One is this atrocious in their credit practices. Stay away!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4aac13780860479990d417a9347ff44a
encoding: FLOAT32
metadata:
{"chroma:document": "We have had a credit card with FNBO for years and not once were we late on a payment nor had any issue. We called to request a rate reduction because we had never been late on a payment. We were denied. So decided to cancel the card. Called in to get a pay off then we paid it off right then and there to receive a balance of $58.00 on the following month\u2019s statement so then be charge $80.00 in interest!!!! We were floored that that could even be legal to do. We called and complained.. Waited an hour and a half to speak to a manager for him to basically say he isn\u2019t waiving anything and that we owed that much. Very very disappointed and we will never open any account with them again,"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86d90929d6fb4962bad237e30b4965f9
encoding: FLOAT32
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{"chroma:document": "After only having them for seven or eight months they decreased my credit limit from $10,000-$550. Without any warning while I had a $488 balance on it which makes it basically look like I am maxing out the credit limit. Practically destroying my credit score. For no reason at all. Always paid on time. Then when I called the bank they tell me that this was done because of a significant change in my credit report. Which was a lie. Nothing has changed significantly from the time I applied for their credit card until the time they decided to basically take the entire limit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c509741ccd094ca19852ea0246001860
encoding: FLOAT32
metadata:
{"chroma:document": "Do not, I repeat, DO NOT, get a credit card with this bank. I wish I would have saw the reviews here before I got 3 credit cards with FNBO. It was nice, at first, they give high limits and o% promotional offers. However, even with on time payments, even with high credit score, even with excellent credit reports, even with using the card from time to time, they will SUBSTANTIALLY reduce your limit without warning."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1804602793ff4ad59be03f9d13c452d3
encoding: FLOAT32
metadata:
{"chroma:document": "Paid court fee. Did not get what I paid for. Court did not refund me but did refund my other bank card. This bank won't refund it. They rely on a script that semantically does not pertain. I did not cancel my service. Well if you did not get what you paid for previously explained that is the same thing as cancel or means I have rights which I do. I am done here and want my money back. The service is horrible. No more Court is not even challenging it and they won't pay me the money for service never received clearly explained."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 332e0ab64a524446bc7ef55ce2f4a907
encoding: FLOAT32
metadata:
{"chroma:document": "I've read a lot of other reviews about FNBO today, and to my surprise they're all the same. FNBO is probably the worst bank, especially when it comes to credit. I've been a loyal customer and I've always paid my balance or minimum ON TIME. I've even recently received an increase in my credit limit. But, today I found out that they refused to take a payment from my bank, claiming that the account didn't exist, even though I've used it for every other bill I've had to pay. And yes, we compared routing and account numbers and they checked out. Then I come to find out they decreased my credit limit and that I can request an increase in four months. Out of every one of my credit cards that I have, SCHEELS Visa is by far the worst due to FNBO. I will be closing this account as soon as I pay off the remainder of my balance. I don't need the headache."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fed00d6240b749a7b20b0b725ddaf8cb
encoding: FLOAT32
metadata:
{"chroma:document": "My BP credit card recently switched to the FNBO bank and within a month of switching I noticed problems. Extra charges that were not on my original credit card from BP (I think it was Synchrony Bank) and I paid this card off in full every month. When I came across the extra charges, I canceled the card. How is it that I make the same charges and get billed crazy fees when this new bank takes over?! Horrible credit card and they lost a good customer. Oh well! I\u2019m still waiting for a supervisor to return my call. I\u2019m just paying the charges and never want to deal with them again. Warning to others to check your statements for extra charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0d77482a3874e15a7786bc030382489
encoding: FLOAT32
metadata:
{"chroma:document": "I wrote a nice review but was not approved, but is ok, I just want to said that FNBO is a excellent bank, my husband told me Walter A. Stamford CT, and was true, thank you everyone, good job. Is a team is not only one person, so I said from the PRESIDENT that he have a good team working, that's all. Good webpage and nice customer service, have a excellent rest of the days for every one including Consumer affairs, nice work, excellent 5* too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d9c5956b4034e5cb6a5409d612491c0
encoding: FLOAT32
metadata:
{"chroma:document": "Hi everyone inside FNBO bank, my friend Walter A recommend me this bank and everything is easy, customer service amazing, line of credit's very good, I don't understand 1 star reviews? Really I save a lot money with the promotional transfers, so I am very happy, to get a $20,000 in discover card take me 10 years. With FNBO 1 day!!! So guys just pay on time, never a late payment is a good deal. Thanks to the president of the bank and all the employees. Good work."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8df9f44a11c34e54983ffe9702f0d983
encoding: FLOAT32
metadata:
{"chroma:document": "This is probably the worst bank I've had dealings with! I have over 15 credit cards and I never have any issues, they have good apps and customer service. This bank has nothing! There's no reason to open an account with them as they really provide no value to the customer, their app sucks, and their customer service is probably some of the worst I've experienced in any company I've ever had to call. Stay Away! There's way better cards out there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1b8c8bf1b794f149e17ee5dab63ec61
encoding: FLOAT32
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{"chroma:document": "I was approved for 5,400. I transferred a $3500 balance. I've been making 2 payments a month. Now after 5 months they decide to decrease my credit limit to 3k which affected and lower my credit to 33pts. I don't even use this credit card. I only transferred a balance and pay it down every month twice a month to pay it faster. When I called and asked why it was decreased all she said was \"due to suspicious activity in my FICO\"? Not only she wasn't professional but had absolutely no concrete reason. Now my credit score is severely affected and shows I am at 95% usage on this credit card. Absolutely unacceptable! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfb526c584504b89988116a1f5da277b
encoding: FLOAT32
metadata:
{"chroma:document": "I started out with a credit line of about 15000. Never missed a payment then out of the blue they cut it down to 8700 so I didn't use the card that much for about a year. Now they've just shut my account for no good reason. I have good credit and I have never missed a payment. This bank is beyond bad. This credit card sucks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29e1d5c634704084bc3a3e8e8946e217
encoding: FLOAT32
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{"chroma:document": "I applied for a credit card through a different company in a different state and received a form rejection notice from FNBO, First National Bank of Omaha. I am 79 years old, a retired public official with excellent credit, and have never been rejected for credit. I had never heard of or dealt with FNBO. I will never deal with them again. In my opinion and experience I found FNBO credit staff to be rude, unhelpful and even deceitful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01f659c8e1a44b46ba2f97fe3cce7819
encoding: FLOAT32
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{"chroma:document": "Company rejected my credit card application due to fraud but later offered me a secured card and my credit is too good for that. My score is 676 with two-plus years in credit history\u2026 I don\u2019t like secured cards, never wanted that I was pre-qualify for a evergreen Visa card few months with 11K credit limit FBNO Denied due to \u201cpossible fraud application\u201c and put a hard inquiry on my credit\u2026"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00e48102df4942829ff9b1131ffe8de4
encoding: FLOAT32
metadata:
{"chroma:document": "I received a pre-approved offer. \"Select few\" I called customer service 3 times with questions. Never finished the application. After reading these reviews I'm so glad I hung up. What kind of a company reduces credit limit? That's so shady. WHEN YOU'RE APPROVED FOR AN AMOUNT THAT AMOUNT DOES NOT CHANGE! That's so unbelievable to me. Disgusting. I would NEVER do business with a company like that. I just shredded the letter. Thank you all for posting your reviews."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e797931af9c74d2b804ea54bdf6bd0b3
encoding: FLOAT32
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{"chroma:document": "I took out an FNBO credit card through Northern Tool at the end of 2021. My wife used it to make some online purchases. The card got saved into her Google account. In early January, 2022 I got a call from FNBO asking if I was making purchases of any Google products to which I told her no after asking my wife. The FNBO representative only said there were more than a few. When my January statement came there were upwards of 120 Google charges for over $1800. I call the fraud department twice and they denied my claim citing proof that I participated in the transaction. The only other possibility I could come up with was that my 3 year old must have hit every download button he found while he was on the computer in December before we noticed on our January statement. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8da3f4a897e4d2b824d6138fbc8f276
encoding: FLOAT32
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{"chroma:document": "I filled out an application for a FNBO credit card and was rejected due to \"identifying information does not verify\". I have near-perfect credit (820'). Their customer service is bad and uncaring. Why do business with someone that does not want it? I have no idea how they make money. I have other cards and don't need this one, I should have done more research before even applying but the bonus and cashback lured me in. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48d579de64284f4eadf987ada3cfa727
encoding: FLOAT32
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{"chroma:document": "I requested to our mortgage lender (FNBO) to remove PMI, based on the value of the home. I ordered an appraisal on 2/8/22. Between the date of ordering and 3/15/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha (FNBO), is named Miranda Nightengale. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me \u201cit\u2019s not really a problem because if it\u2019s approved, we\u2019ll retro this to when you asked, and credit the PMI back.\u201d "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a141b76705f94a6a8646b592505b955d
encoding: FLOAT32
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{"chroma:document": "Was approved for business credit card for 15k. I have very good personal credit and business credit. My account was always paid on time. Next thing I know my credit limit was decreased to 3k. I called and spoke to a very rude woman who told me they did not like the way a company Fund & Grow did business so, they reduced my credit line. She didn't make any sense. I paid off any outstanding balance while on the phone with her and closed the account. As a business owner if my employee had spoke to a customer like she spoke to me they would be TERMINATED!!!! Also, it lets me know a lot about the company and what they think of their customers. ANY GOOD BUSINESS KNOWS YOUR EMPLOYEE'S ATTITUDE IS A REFLECTION OF YOUR COMPANY VALUES!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f57e9cffcdc44e30a9d44b39495416e7
encoding: FLOAT32
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{"chroma:document": "It is certainly a Trap and a well made Trap. FNBO gave me an over $10K Credit line. Used only about 30% of it over 5+ months and then out of the blue they cut my Credit by 70% to just within a hair of the balance pending. They blamed FICO for the credit line change when in fact nothing has changed on my credit score or usage. This is more than likely a bait and switch trick to get people signed up then hurt their Credit Scores to prevent them from leaving. I will certainly pay it off and never use it again. Even the so called Ford Perks of $200+ was wiped out. Very Highly Dishonest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0483bfe940ad4e738ea7b944a9fba6ad
encoding: FLOAT32
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{"chroma:document": "Essentially my wife opened this account and recently changed it to auto-pay, and on the first deduction they pulled 2 payments at one time. Instead of immediately correcting their mistake we are having to jump thru hoops to get the money back and now they want us to wait an additional 10 days for the money due to their error! I\u2019m thinking now this loan through this company was a mistake."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 016c47a9fe2543cc86ba082888af425c
encoding: FLOAT32
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{"chroma:document": "I was pre-screened for their MasterCard, but when I applied with a 'very good' rating, which became just 'good' after the application, I was declined. First of all, unlike other banks, they pull a hard inquiry to see whether you're pre-approved, which hurts your credit score. Secondly, they do not give you a response immediately. Thirdly, when they eventually send you an email, instead of giving you the decision, it redirects you to their website which can't find your application (nor can their automated phone assistant do the trick), so you have to call their customer service to find out the response. The worst experience ever! So, if you receive a letter from FNBO, think twice before applying. Don't hurt your score for nothing! All their systems (including pre-screening and status checks, whether via the internet or phone) appear to be completely out of wack!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a71fb25d83a451ba5b2d27f0d55274c
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is keep lowering my credit limit, and I don't even use the card. Never been late with payments. Almost every 6 months they lowering my credit limit close to the balance. Therefore my credit score is dropping because it shows 90% of credit utilization. It is called \"Chasing the Balance\". If they would not do what they doing with my credit utilization would be below 50% now with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f92a289150840a4b4aff28a0d3d2114
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for their personal credit card on 1/17/22 and was approved for $14,000... Was informed I would receive my card in 7-10 Days. 2/03 I called due to a fraud letter... I verified with them only to get another fraud letter....Smdh....Called again on 3/04 to find out what was the problem now only to discover they failed to push 1 button to clear this mess up...Will Fed Ex card which is to arrive on 3/09... Not the punch line yet.... I have the Fed Ex app which tracks your packages only to get another message saying sender has put a stop on my card now a 3rd time....I will be calling in the morning to tell them to keep it...I have more than enough credit cards....They are the worse company to date I have encountered...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aaf475551b844455bff84259940188c1
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{"chroma:document": "I applied for a Ford credit card after they had sent me many requests to do so since I bought my Ford Ranger. FNBO sent me a letter back wanting a copy of my driver's license, W-2's for two years, and a copy of my social security card. I have had excellent credit and have not been asked for this in forty years. I own my own home and have paid for my new Ford Truck, and I am debt free. I called them and told them to withdraw this application because I am not about to send all of this. Frankly I think this is somewhat extreme. I have gotten credit cards easily over the years and never had this happen. My credit rating is excellent and my integrity therefore self evident. FNBO customer service was very rude and unconcerned. This bank needs to review a lot of its management policies. I can't be the only one that feels this way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcdb174af4a246839f949391b904fd8d
encoding: FLOAT32
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{"chroma:document": "I have had my card approximately 6 months. I was given a $15,000 limit and initially only used it at a single location. Always made large payments and kept it paid off. About 2 months ago I used it on several transactions and nearly used the limit. However, I have never once missed a payment and always pay far more than the minimum. Today I received a letter saying that because the account is new and I have a high utilization ratio, they reduced it by a few thousand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6f13e68dffc47b5992ea7d032ae3435
encoding: FLOAT32
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{"chroma:document": "Had 23900 credit limits. They reduce my line on my card to 9600 close to my balance of 9100. Now it drop my score 75 points without notice. Never miss a payment and my score was a 780. I am paying them off and never using them again. If you cherish your credit stay away from this credit company. I seen so many review like this but ignore the warning. Now it seem like I\u2019m at 98% Usage on my limit. FNBO thanks for ruining my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 454f1981df9d4b6595e8ffd94e37add1
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{"chroma:document": "I am so Happy with my promotional credit cards, personal and business also, simple faster, I have a 778 FICO and I am moving all my checking and savings to FNBO, Customer service easy to talk and find answers, I am thinking Refi my home. I recommend to my wife and one friend and they are really happier too. So thanks FNBO. Let's make more deals! Walter **"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8e4a95ba6e041a1b41ce170ea5e42d8
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{"chroma:document": "I've been a member for about 4 years and had not missed a payment until recently I forgot to make my payment. When I looked a few days later and seen I didn't make my payment they dropped my credit limit to the balance owed leaving nothing to my credit limit but $100 on top of my balance owed leaving MY account looking like I've charged over 50% of my account. Mind you I pay more than minimum due and most times paying twice a month. I called and asked to excuse my overlook and bring my credit limit back up, they refused. But they did eliminate the late charge. I rather pay the late charge and have my credit limit back. I'm canceling this account as soon as it's paid off. They make your credit report look horrible with 1 missed payment. Capital One is the best credit card company. I've never had an issue and they consistently increase my credit limit and not decrease."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b7d13b623ab4c78a73212bfd2303302
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{"chroma:document": "Got an offer in the mail to apply for FNBO credit card. Applied and got the card. Took advantage of a no interest balance transfer promotion. Paid half of the balance transfer off. Continued to make monthly payments. Monthly amount 40.00. I paid a 150.00 a month. 4 months later they have closed my account. This is absurd. You pay triple payments and take advantage of a 0 interest offer. Want to close your account for doing an awesome job on paying your account. Tried to talked to someone. All they can tell you is your credit score has dropped. Not looking how well your payments made. People steer clear of this bank. They will offer promos, you do an outstanding job making payments. Then close your account. Customer service is horrible. Never apply for an FNBO card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d6a0d1d7dee40d3a26d852fd877e66c
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{"chroma:document": "First National Bank of Omaha (FNBO) is the worst bank in America. After they refused to honor a promotion that they advertised, I filed a complaint with the Office of the Nebraska Attorney General and posted the experience on Twitter. FNBO responded by blocking me from their Twitter account. The craziness didn't end there. FNBO decided to take it a step further by reducing my credit line from 15K to 1K. This was clearly getting personal, so I just closed the account. This entire episode was regarding a $200.00 account opening bonus that they refused to honor. The people operating this bank act like scolded children. Fellow consumers, please think twice about using a financial institution that acts in this manner. If they act like this, do you really want them handling your money?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3df76cdde8b46c3bc1dd0beba8710e9
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{"chroma:document": "I just received one of those \"select few\" getting invited to apply for this credit card. They offer zero percent intro APR on purchases and balance transfers until April 2023! Pretty impressive right? No annual fee. So I figured I transfer my balance from my Discover card to this card. Boy am I glad I read the recent reviews for this card not only on this site but on other sites as well and it's pretty much the same complaint over and over again. If you get this offer in the mail, dump it quickly!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dea37fe08a894c2490c72ebd72f3d20a
encoding: FLOAT32
metadata:
{"chroma:document": "For some reason this credit card has been hacked numerous times, without me losing my card. FNBO has replaced the card 3 times in the past year! I check my account daily for fraudulent transactions now - most recently I couldn't reconcile the online record with my accounting software. I'd reported a small fraudulent transaction and found that their \"resolution\" was to enter an extra charge for the dollar amount - they forgot to put a (-) in front of the amount, so now I was charged twice. When I reported this error to them, their \"correction\" was to duplicate the error, so now I was charged THREE times for the fraud. They'd also marked a correct transaction as fraudulent and \"corrected it the same way, both times. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I do not understand the bad reviews on here. I have a personal and business credit card with FNBO and could not be happier. I have had to call with some questions and they were great. Next month I will be talking to them about a business checking and savings account because just found out we have a branch 2 miles from my business. I just hope the banking part is as good as the credit cards have been. THANKS FNBO."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10e2709a1f664176a511c6c5affb1871
encoding: FLOAT32
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{"chroma:document": "STAY AWAY! I had to call 5 times to get them to cancel a balance transfer check. Today they told me again that the other customer service rep didn't do it right. They told me for sure this time it will be done in 2 more days. Then I was told I \"can't make payments if I have an autopayment tunred on. Why? Just stupid! Just another bad credit card company that implements systems to cause more fees to their customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b51e1ade0fc4ed3b262e2fa7433e7bc
encoding: FLOAT32
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{"chroma:document": "This is a horrible place to have a credit card!!!! They cancel it without any notice or care in the world to you or your life. It is right before my daughter's birthday and the holidays and they cancelled it, they didn't offer any help. Just read me their script of why they can cancel whenever they feel like it. And all the points you rack up and voided, no refund, no applying to your outstanding balance. Just gone. I have had this card since 2017, never missed a payment and always paid over the minimum. They rob you and have not a care in the world. I wish I could give zero stars or even negative."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d6eaf7515914a728ab3d7c026440cf0
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{"chroma:document": "We have had this credit card for 4 years - NEVER had a late payment, paid our bill off EVERY month, had a $18,000 credit limit that was given to us (we didn't request this), have a good credit score and have done nothing wrong. Saturday morning of last week while out trying to enjoy time with our family - our card gets declined twice. I had just paid the bill for the month prior so I knew it couldn't be that. I call customer service to find out that the ACCOUNT is CLOSED! WHAT!!!! WHY - \"Oh you had too many credit inquiries recently.\" WHAT! No warning, nothing! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c9dbabde1ae4de2850c8cdc9253a117
encoding: FLOAT32
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{"chroma:document": "This bank sends me a pre-qualified offer in the mail for a credit card. They issue me this card and almost a year later, I have to find out from my credit report that they just canceled my card. They give me some reason that my debt to income ratio is low. I make over 100,000 grand a year. I had a 264 dollar balance on a card with a 5,900 dollar limit. My balance on this card has never been more than 300 dollars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b943b92a7fea45cc867aead43af218c7
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{"chroma:document": "Called and asked for credit limit increase I haven't had one in over a year. The lady was very nice and said I was due. I told her I was doing 2 down payments on 2 new Dodge trucks. I was also using the promotion for 0%. She granted me the increase. I still had a usable balance of $1350. Everything was good. No problems. Less than a week later they canceled my account and closed it. 4 years 7 month gone. No late payments, no missed payments, no problems. When I called customer service they said it was closed because I had too many inquiries on my credit from buying a car and shopping rates. Wait what? That doesn't make sense I told the representative. She stated she had no control over the computer decisions. I still have a balance with card but the account is closed and my credit was dinged 81 point. I guess this company doesn't like my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3620a8fdda24fee95191edc276a4478
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{"chroma:document": "I have been with FNBO for 4.5 years. My home loan, equity loan, 2 savings and a checking account. I had recently changed my pension and social security to direct deposit at FNBO. No credit card with them. I have never been late on a home loan or equity loan payment; 11 of 12 months I pay extra on both loans, considerably more on the equity loan. Because of an unforeseen emergency I recently had to file bankruptcy. I chose Chapter 13 so my home could not be sold, understanding, though, that if I had too much equity in the home I would have to follow the formula for paying back creditors. I chose 13 knowing I would still have to pay my creditors. After all, unforeseen cannot mean unprepared as far as finances go."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6b229fae1d04cfb982b22aa93763c42
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{"chroma:document": "I have been a customer for years and never been late on any payments. About a year ago, my card was \"suspended\" for no reason. After a few months, it was reinstated. A couple of weeks ago I paid my entire balance off and I just got an email saying my credit limit was decreased. Why? Like I said, I have never missed a payment and only have a balance of a few dollars now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6861fdcff0214c6f94c827b4a4930f85
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{"chroma:document": "I was solicited via USPS to apply as one of the \"select few\" for a FNBO 0% credit card/balance transfer. I was approved for a $14000 credit limit. After receiving the card, I decided to take advantage of the 0% balance transfer offer in the amount of $9200.00. THE BALANCE TRANSFER WAS DECLINED. I called customer service for a detailed explanation of why it was declined. After all, I still had a 14,000 credit limit that I could immediately charge up. It makes no sense. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95d3fa5036bf469bba41238d93873e0e
encoding: FLOAT32
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{"chroma:document": "The worst and most stupid bank I ever deal with. Had 7.7K available out of 7.8k Credit limit and CLOSED my account because I applied for other credits cards... Is none of your business if I apply somewhere else. Never missed a payment with you and Not a single bank or any late payment in years. After all, thanks God I got rid of this ridiculous joke of bank, because you don't ever get to be a real bank. Where at the invitation letter said I will not be able to apply for other cards while having this piece of nothing card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f9b5d11cbae44d19d1de55784a31f14
encoding: FLOAT32
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{"chroma:document": "I was a FNBO credit card holder for 15 YEARS. Currently my credit score (according to FNBO website) is 813. Lately I've been using my card to buy coffee every morning and a couple weeks ago it stopped working, thought it was the coffee shop's issue, tried using the card a few days later and still didn't work. Called FNBO and was told my account had been closed. Asked why? Was told it was a matter only the \"High Risk/Fraud\" dept could help me with and rep transferred me over. The person I spoke with said they wouldn't tell me why the account was closed but I could write them a letter asking for details and they would reply (with what details he couldn't say). So I figured it was their loss and at least now I didn't have to pay their ridiculous $50/year fee for the privilege of using their card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72d7e1e2532d4536b8d0eb33611d730e
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{"chroma:document": "After receiving MONTHS of these constant, insistently appearing ads telling me I was selected from a \u201csmall group\u201d of people and very likely to be accepted, I finally called their customer services and was assured I had a VERY high chance of being approved if I had received their letter. So I applied. Got a hard pull on my credit, and WAS DENIED. I have a high credit score and freaking 6 figure income. Thought it would be nice to move some balances around. Nice going FNBO. Your company is a joke and missed out on some decent money with your fake, criminal advertising."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c37718edc4e642d29153db3c151de75e
encoding: FLOAT32
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{"chroma:document": "I had been a customer for over 25 years, but I had to close my credit card account due to rude treatment from their customer service. Furthermore, I received different information from different people. I had a set the payments to pay it all every month; however, I had a big expense about 2 months ago and I could not pay it all, so I called customer service and I was told I could change the payment online 5 days before the due date and I did. The payment day came and I noticed my bank account was negative. I panicked and called FNBO to have the payment changed to the one I had set online. They told me there was nothing they could do about it. So I called my bank to cancel the payment then I called FNBO to let them know so I could do the correct payment. No one helped me and they were very rude. So I had a late fee applied to it. I talked to 2 other people and all of them were rude. The next month I paid my debt and closed my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5273d81731a04b6f9f1b5040edec60b9
encoding: FLOAT32
metadata:
{"chroma:document": "My review is simple- Stay Away from the Letters they send every month saying you are pre-Qualified. I have not been rejected for a Credit Card in 5 years until today- I have had identity theft 6 times - my gut feeling said, it was not a good idea. Trust me- Don't Do It."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48fd5c4bc2b843bd8b642b80b8837550
encoding: FLOAT32
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{"chroma:document": "So I received an offer in the mail saying I was pre-approved. Decided to check it out and they performed a Soft Pull on my Credit and said I was \"Pre-Qualified\" with a 15,000 credit limit, 12 months intro 0% APR, Etc. I don't need the credit that much as I have a number of tradelines in that range already. With that being said, At 15K, I really thought about getting the card but when I hit the \"continue\" button it just didn't do anything. Felt kind of strange and I decided to actually take a look at their reputation online...WOW. I am glad the button did not work! Between the lowering of credit limits without notice, the poor customer service, and the sheer number of 1 star reviews, I think I will pass on this bank forever. My scores are 780+ but I don't trust these guys as far as I can throw them. Seems like they have a bait and switch going on... Pre-qualify you at 15K... Give you a lower limit of maybe 7500 and THEN lower it to 500 after several months. No thanks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbd58da815cd408ebcf2df3430322ab4
encoding: FLOAT32
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{"chroma:document": "They sent me an invitation to apply for a credit card. I went online to accept and it said I was approved for a card with a $15,000 credit line. I have other cards from other banks with similar lines. So I pressed apply which gave me a hit on my credit report. DENIED. What a horrible bank, stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9299cc1620254101af2fca0b120d4777
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metadata:
{"chroma:document": "FNBO is sending me invitations for the last 12 month to apply for their rewards credit card. When finally I applied (my credit score was above 740) they denied my application affecting my credit score 15 points. What a strange way to do business. Sending pre approval mail invitations for 12 months and denying actual applications LOL. Useless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0184e64b3dc74bbc8ba1f631eeec9154
encoding: FLOAT32
metadata:
{"chroma:document": "This Co. lowered my available balance (what never happened to me before with none of other CC!!!). Which hit my credit score unexpectedly. I wish I closed this card. They said they monitor your credit and make decision every half year and I can request a review 6 months later. For years I had the card nothing ever happened. Until one day, without significant changes to my credit report. And when I requested a review they hit my credit score one more time by hard inquiry!?!!  How come you figured it to lower my credit line and hurt my credit score without hard in inquiry, and you needed hard inquiry to see if you can put credit line back to what it was to hit my credit score against. Bottomline, if you accept this CC to repair your credit - close it few years down not to hurt your credit, more than it was repaired, out of a blue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6d246cdeb554ae08829157c73271891
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{"chroma:document": "At first FNBO Jeep Drive Plus Mastercard seemed ok. There were a few hiccups along the way that gave me the uneasy feeling that these guys are not organized, but nothing that indicated pure concentrated evil. So, I was moving along attempting to earn points for Jeep gear and also use the 1000.00 earned incentive to purchase a new Wrangler. The incentive coupon was never received. I called FCA, I called FNBO ... and no one knew where was my incentive coupon. Then, after I purchased my new Jeep the coupon arrived."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 322eabc2bf6646f1b15ab62745c395e6
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{"chroma:document": "I have banked with FNBO for 20 years and love their bankers. Always a very kind staff however as a small business, their PPP process has been an abomination, last in line, and they leave you to figure out everything on their portal on your own. Not one person is assigned to you. Now, almost a year later, it is still the same vague unattended process. Every other person I know has had round 1 fully forgiven already with other banks, no word on mine, and most are approved for round 2 from other banks, still waiting here as well. They also had a dedicated human they could call that guided them to expedite the process for them. FNBO has responded to our emails with a different person each and every time. Nothing personal has been indicated through this and we've been last in line every step of the way. It's already stressful for small businesses, this bank has made it more complicated and more stressful. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08bc197fbe8f4e51be8e45628cffa6b3
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{"chroma:document": "This company has the worst reviews online and I know why. This company sold one of my accounts, I accidently sent a payment to this company for that account. They have my money, they wont look it up and they wont send it back. The \"customer service\" will hang up on you. I am going to have to hire an attorney and sue this company. STAY AWAY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e829aa7404d45d88a2f71bf3d3de495
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{"chroma:document": "I normally decline any credit card offers when checking out at a retail store. Scheels and First Bankcard reminded me why I don't apply. My wife and I were checking out and they offered $50 off so I applied for a Scheels card. Short app but then it's unable to be processed. They further explain it does not mean you're denied just \"they want to look into it a little further\". No phone calls and a few weeks later I get a letter in the mail saying they are unable to process due to \"Identify info does not verify\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2498e98d5fbd405b9cffb3686a904a25
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metadata:
{"chroma:document": "My payment record etc with FNBO is PERFECT. They reduced my credit limit without notice and it dinged my Credit Score. Probably upset that I use my card to pay the lower rate. I have two rates. Horrible customer service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4f98105821c4f8c8b38cc046c818b18
encoding: FLOAT32
metadata:
{"chroma:document": "My Scheels Visa credit limit was just reduced from $7500 to $550. I have NO idea why. I make all my debt payments on time for substantially more than minimum. There was no warning or question. No reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e436adb74cf84655b870214614d6972b
encoding: FLOAT32
metadata:
{"chroma:document": "Wish I didn't have to give any stars. They just, with zero warning, dramatically reduced my credit limit down to $500! As we all know, this kind of thing has a rippling impact across a person's credit profile. I just think what if they do this to someone who's in the process of trying to get a mortgage or something??? I've never had a late payment (with them or anyone for that matter). Apparently they are doing this to many people. I sincerely hope this very bad business practice puts them out of business. Utterly shameful. They're approval requirements are similar to many other cards, cards that are very good and don't do this type of scandalous garbage, go with them instead. I only wish I would've read reviews before I let my bank talk me into applying..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45ae50a000dc476cac8e2e528154addb
encoding: FLOAT32
metadata:
{"chroma:document": "Lowered my credit limit by 7k with out any warning or notice, or reason other than internal review, never missed One payment! Had I known the Quick trip card was serviced by them I would not have gotten it either, it lowered my credit score 42 points. Will likely will cause there internal review to lower limit again. They don't care about anyone or anything but the Almighty dollar. They don't care how they affect anyone, sure they will post a reply that customer service is important to them, but has anyone every received a call or anything from them explaining there reason, don't think so. I am 68 years old my oldest account on my credit is 42 years and guess what not ONE MISSED PAYMENT on my credit report!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f1c7b1ef39046a6a56b69ff6e5d1f08
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{"chroma:document": "I have been a Sun Country Airlines credit card (serviced by First Bankcard, a division of First National Bank of Omaha) holder for six years. The card has a $69 annual fee, and provides limited discount benefits with the airline (they were better when I first signed up for the card), and also accumulates points (miles) based on purchases."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a684f08253d747daa882b4dd0c62d8e8
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{"chroma:document": "First National Bank of Omaha just ruined me after many, many years of always paying on time. Because of Covid 19, I had requested a skip payment. They granted 1, but continued to add interest. Since my restaurant was closed down for almost 2 months, I called before the next payment and explained my situation. I asked them to grant me 1 more skip payment, which they denied. They said that they only grant 1 per year. I pointed out my excellent history with them, and explained that with the Pandemic, that I was still in a financial crunch, I really needed 1 more month. Again they denied. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09975fba16b048faaaa2723cd9cbcdd3
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{"chroma:document": "Our available credit was reduced from $7,200 to $500. I called and the manager told me they had reviewed the account and it was because we paid the bill in full, twice, and had, months ago, used the cash advance service. There is nothing wrong with my credit score. She told me there was no one above her that I could discuss this with. We recently refinanced our mortgage and are no longer with FNBO. Don't know if this is retaliation or just stupidity on their part."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 473ed125867f4b8cab24a6b4e6ef282f
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{"chroma:document": "I have been with First National since 2011. Never had any issues except old school ways of doing things. Paper, Paper, Paper for almost everything. In this age, you go on the fly and verify after the fact - not FNBO... they rather follow the lengthy and old tedious fill out paper and photocopy paper ways. Now, my issue. I had a negative of less than $25 on my account for 30 days and I was not sent an email about it and it was closed after 30 days. Also my savings account that does not have a negative was closed with it. On top of this, I did not know as I kept login in to know if deposits from PayPal or Amazon was a success, but never saw any deposit. I was concerned, and called that's when they gave me the news in year 2020. This is absurd, you do not treat your longtime customers like trash - I was treated that way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc06b4c4aa924bce8ef1779cda5817b3
encoding: FLOAT32
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{"chroma:document": "Been banking with this bank for a decade now and had a credit card with this bank and they reduced the limit without notice. Called about it and in a nutshell, they said that is what it is deal with it. I'm gonna deal with it, moving to a different bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3729b755966240adbfe91a66d410cc59
encoding: FLOAT32
metadata:
{"chroma:document": "They tell you they will investigate fraud claims then send you a letter denying the claims. Charges on my card were made by companies that if you google search them have done this to thousands. Liars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab04833f74ee4dbd9e1f23e2dec1f4f4
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metadata:
{"chroma:document": "NEGATIVE - Called to let them know I'd not rec. my new card which was then sent. In attempting to activate I was told it was closed due to inactivity although they refused to reopen it even with talking to a supervisor. I maintain an 800+ credit score & saw online they're closing others cards which is simply pulling back their credit lines due to recession. Should be zero stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07ed8eb2e1ea472e9802122afb210f0b
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 12/21/2020: One star is one too many. Once again a decision this HORRIBLE company made is negatively impacting my credit score. They once again reduced my credit limit without warning and for no good reason. I continue to make on time payments, paying more than the minimum, and I have made zero purchases on this card since the initial balance transfers (which at that time utilized less than 50% of the original total credit line)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b1d6ae0e2c84bae97791e2f9001970c
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metadata:
{"chroma:document": "Got card 2 years ago at dealership for 7000 limit. Few months later raised to 7700. Balance always 500 on either side of 2000. In was five days late on payment as a complete list in the madness moment and immediately paid. First time ever loathe and they reduce my limit to 2700. Utilization went from 30 to 90 in middle of buying a house. They wouldn\u2019t work at all. Do yourself a favor. Don\u2019t get any product from these ** scam artists and cancel like I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e22443086ebe4c639c8ecd7457815fdb
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{"chroma:document": "I and sent a payment of $29,000.00 on April 8 and the check was cashed in April 16th. I put my statement in the envelope and the person that received my payment didn't apply it to my account. I have called every day to find out when it's going to be applied to my account. They told me today they emailed the accounting department but their requests are only done \"in the order they've been received\". Rory is very rude. Not a human. What happened to picking up the phone and finding out where my money is? You have had $29,000.00 of my money and I can't even get it applied to my account. You cashed it 11 days ago. Stealing? If my payment was late you would call me the next day... Sad how this works. Someone is dropping the ball here...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f933d62596e745ea907637df11aeb5da
encoding: FLOAT32
metadata:
{"chroma:document": "Fraud dept are liars. They denied my fraud charges after I reported them immediately because I saw someone using my card on the app. I got a letter in the mail said they contacted the merchant and said I made the charged which is a total lie. I have never been two those two businesses in my life and I can prove it. In addition the fraud dept never called to ask me questions. I get insulted for trying to help them catch the thief. Which they didn\u2019t even try to 20 yr customer who pays his entire bill every month and this is the terrible service I received."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdb3855a691d4d468c73ccf329d4ee37
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{"chroma:document": "Received a prequalified offer for a M Life MasterCard issued thru this bank. Started application process online and decided maybe to check out the card issuer as I was unfamiliar with this institution. Reading the reviews seems a common theme runs through them - their habit of reducing CC limits without good reason and regard for how it might adversely affect the customers credit rating. No thanks! Not worth the risk to my credit score. Their standard corporate response to all these customers who have written these negative reviews is laughable. I'd advise anyone looking to expand their credit and improve their score to stay away from this card issuer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2f5ff14ad3c44e2afb01146629c0549
encoding: FLOAT32
metadata:
{"chroma:document": "My credit limit suddenly decreased by $600 causing my credit score to go down right when I was trying to get an SBA loan to get me through the corona virus epidemic. Having this card just ruined my life, I wish I would have read reviews before I applied for it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a94dcdd1fb34690978df75dcf403a29
encoding: FLOAT32
metadata:
{"chroma:document": "In 2015 I had very little credit. This I found out can be worse than bad credit. So I decided to stop using the Debit cards and get 1 or 2 credit cards. This would start building my credit score above the 615 I had at the time. Around the same time I made this decision, Wells Fargo Bank & First National Bank of Omaha sent me pre-approved credit card offers. Problem solved, 2 card is all I would need, so I applied. Wells Fargo gave me a $2500 credit line while First National Bank of Omaha gave me $2400. A bit low but it would still work."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3c947cf4ea34d0794dae78b644b4475
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible bank policies. I worked on building my credit for 6 years. I improved from high 400's to 750+. I had 2 cards with FNBO and carried over a balance of about 30% on each card. One had a CL of $11K and the other had a CL of $13K. I did this on a few cards to build my score and finally was able to buy my first home in November of 2019. In Feb 2020, FNBO lowered both of the CL's without any notice or explanation.The CL on both accounts dropped to just a hundred or so dollars of my balance. My utilization went from 30% to 90% on one card and from 33% to 98% on the other."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15039307fa9c4850b67283918b665705
encoding: FLOAT32
metadata:
{"chroma:document": "Following instructions of merchant provider and clearing it with the bank in advance, upon charge the bank closed CC and refused to investigate. I operate a small business, and use the First Bank Credit Card ran by the First National Bank of Omaha. This bank is listed under several different names in order to make customer complaints harder and virtually irrelevant. This business looks only at numbers. I spoke with a service agent, looking for a reasonable solution to a simple problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d59032a66e34d9e83d21d0c53fc1740
encoding: FLOAT32
metadata:
{"chroma:document": "I was mailed an invitation for a pre-approved credit card with a $1,400.00 credit limit. I took the offer, have NEVER had a late payment with this or any other cards or loan accounts. My \"On time payment history\" is 100%. My account due balance is $0,00 with this account, my score went up 107 points one week and the very next they decreased my credit limit. I called twice to ask why and no one could give me a good answer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32f0fe8035cf451b9cb7edf859ba2419
encoding: FLOAT32
metadata:
{"chroma:document": "On 3/17 my credit limit on my First Bankcard Visa was decreased by half (from ~11k-5k). This was done without my knowledge and despite the fact that I have never missed a payment and haven't charged anything to the card since I opened it with a balance transfer. The decrease in credit limit led to me using 95% of the available limit and drop in my credit score of FORTY FOUR points. When I called the company to ask for my limit to be increased they said they could not do so for four billing cycles. So as a result I must continue to deal with a significant drop in my credit despite the fact that I have not missed any payments or charged any substantial amount since first opening the card. After a brief Google search it is clear that this company, a division of First National Bank of Omaha, is not a friend of its customers. HIGHLY advise going with another, more reputable, company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28f05cbb82d94bdeb424bdd4f12fa3b7
encoding: FLOAT32
metadata:
{"chroma:document": "One of the consolations these days for working to pay off a credit card balance with a high interest rate is supposed to be the rewards program. If you agree, do not choose this bank. I used rewards points to buy a Christmas gift. When I received the item it was like a toy you would get in an arcade game and it was damaged to boot."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ccef75f45c74f28b5d7aa56086e4b3b
encoding: FLOAT32
metadata:
{"chroma:document": "I was solicited through the mail by this bank after buying my Jeep. Jeep DrivePlus Card. I grabbed it so I could use it for emergency repairs at my dealership. Have had the card for less than a year. Used it once. Paid it off just after. Without any notice, boom! Account is cancelled. I periodically log into my account just to make sure everything is as it should be and couldn\u2019t access anything. Called customer service and got the news. Absolutely no recourse. Account is permanently closed due to inactivity. Can reapply. ??! I don\u2019t think so! All of this and not so much as an online account message or canned letter telling me to maybe (hint, hint) use my card. So here I am. My credit takes a dive. Do yourself a favor and stay away from First National Bank of Omaha."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8bbb187109034a909b7632161f5587e7
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a personal loan with them to pay my credit cards off. The agent who helped through the process was a little rude and didn't get my bank account information right. I was hesitating about getting an automated payment that day but she convinced me I was going to save me some money so I did. The following month I realized a $15 dollars fee for having the wrong account information and that was the agent's fault not mine. I paid off the loan this month, two weeks in advanced the due date for the month because I realized I was paying more interests than with my credit cards. I canceled automated payment on February 12th."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b24ab8d70f3425293643a98be3082c8
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account shortly after purchasing my Jeep in 2015 to keep in the car for emergency purposes. I was given a 5k limit which is considerably smaller than my Amex card (30k) I use regularly. I was notified recently via credit monitoring that the account had been closed so I called customer service to see what the issue was. I was told it was cancelled for inactivity. I explained the reason I opened the account and asked if it could be reopened. I was placed on hold and then told I\u2019d receive a letter stating my account was closed for inactivity which I was already aware of given the call I was on. I asked again if the card could be reopened and was told it was a permanent close so they couldn\u2019t open it again, but I was more than welcome to apply for another account instead."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24394343fbd946159ce4d6840ffa02cf
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is a damn joke!!! I opened my account in Dec, I was unaware that a payment reversed. The bank took it upon themselves to place a hold on my account w/o consulting with me. I called customer service to update my number several times, the fraud department informed me they can't see each other notes, I called in several time to speak to someone regarding this issue. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 158c5e68ee3d46be956483cf69ad09ed
encoding: FLOAT32
metadata:
{"chroma:document": "I had this credit card for three years. Never had any problems until a week ago. I ask for a hardship, they asked me for my banking account which they already did had my banking account I was paying from the bank for three years. Well anyways a week later they sent me a letter. They were saying I gave them a wrong banking account. I told him that\u2019s not true because I was paying with that bank for years and it was the same checking account but they insist I give them wrong number, And now they\u2019re saying I\u2019m not qualified for hardship because they enter wrong numbers on the checking Account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ccd1962c7e74787a348cfd25e1a2390
encoding: FLOAT32
metadata:
{"chroma:document": "I have worked with FNB of Omaha on a couple of occasion, once as a new homeowner and once for a home equity line of credit. Both times have made me never want to work with them due to their policies and lack of tact and care. This past year I went through a very traumatic and stressful year. I started a business with my husband and lost my brother within months of each other. I had a booming business and was trying to get my feet under me, and I had a hard time keeping up with things personally...understandably. "}


