# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2dcaeef2d7c8486389516425209dcdba
encoding: FLOAT32
metadata:
{"chroma:document": "New bank account bonus offers $400/$600 not paid!!! Citibank claims I did not deposit $15,000 within 30 days. Nothing but lies and documents prove lies. They hold money for 3 weeks after closing accounts. They pay poor interest. Transferring funds out is CAPPED at $2,000 per day or they CHARGE fee. RUN RUN RUN far from these clowns. I have +10 bank accounts all over country and CITIBANK is the biggest crooks ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7058c1b318a46649b0fce88df6ee2ed
encoding: FLOAT32
metadata:
{"chroma:document": "Company: AC NO: ** Auto City Branch Prai (Penang) Malaysia. I have received first letter from Citibank dated on 10 August to closed my Current Account by 14 days. As a registered private limited company, Citibank can access to SSM or MYDATA online to get any information about my company status of financial and Director update. It's made so simple, for anybody to get information of the latest info and financial report. Yet this donkey officer from Citibank send letter to closed my account. Please don't threaten customer if you have the rights. But under this situation we are so loyal to Citibank and payment also very good for past 15 years without any problem. Also have taken the housing loan and completed the loan before the schedule."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da948027a6de4864a295601fe5f8e326
encoding: FLOAT32
metadata:
{"chroma:document": "May 24 2018 I bought a part from Eckler's auto parts. The part did not fit and followed return to company of the part. Asked Citi Visa for help in getting a refund on part. Gave them information. They did nothing then called again and mailed information to Visa. From the start Citi Visa did nothing and sided with Eckler's even when I shown that the part was returned. Now I am out the money and I returned the part. Visa said that they do not care and I have to go after merchant the $141 am out. What a waste for me to own a credit card from such a bad company. I hope no one else will use this Citi Visa because they did not support at all. Sorry I got the card and Costco doesn't care because they said they have a 8 year contract and I don't have to use their Visa. TOO BAD FOR THE CUSTOMER???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9d074cb27a1439e87457c16c0a2d7cb
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citibank customer for over 20 years; had multiple accounts and credit cards with them. Recently, out of the blue, they closed my checking and savings accounts without even giving me a courtesy of any kind of explanation - they said it was their \"business decision\". I always pay all of my bills on time, my credit score is very good, I am employed full time and have a terminal degree, so I am at a loss for words! I will be happy to take my business elsewhere - no need to be treated this way after being a loyal customer for over 2 decades.... Unbelievable!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e235b9f8c5074df5b9b635a535fd9e70
encoding: FLOAT32
metadata:
{"chroma:document": "I had a signed contract for an estimate to move from Daley Moving and Storage INC. of Torrington Ct. It was charged on a Citi card. Later an unauthorized charge was put on my account from Daley Moving. I disputed the charge to Citi and sent the documentation requested with my monthly billing. They cashed my check but later claimed not to receive my documentation. I spoke to the dispute department and was told they would follow-up. I received a letter May 17, 2018 saying I have a \"permanent credit\" to my account but would like me to \"assist\" them in recovering the funds from Daley Moving."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fefc1916786a4b688955f756002f7c4a
encoding: FLOAT32
metadata:
{"chroma:document": "My business account has been closed for 4 weeks. I have sent in KYC 4 forms 7 times and have a total of 42 recorded conversations with Citibank. To this date the account is closed with no help from anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bff352d1ee274b9ea7464f4f14be6b15
encoding: FLOAT32
metadata:
{"chroma:document": "They have money of mine that was from a third party check that they cleared instead of returning it to Wells Fargo the issuer's bank. They would not let the stop payment go through so I gave the amount of the check $3150 to the issuer and he in turn gave it to the third party for his rent but Citi fraud will not release the money and is charging monthly fees depleting it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: defa683cc42446148a73600d96479ddc
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a new account, receive my debit card set up my account for direct deposit from my employer, transferred all my things over to Citibank, bill pay etc... also linked all my other accounts and then suddenly out of the blue with no warning my account was blocked. I called and tried to find out why. They said they couldn\u2019t tell me anything that I had to speak with the department that was only open from 9 to 5 and call back in the morning. I called back the next day between hours of 9 to 5 and they could not tell me anything except that I would receive a letter in the mail within 5 to 7 business days. Could not give me any explanation or reason for the account being blocked. I had it for just a few weeks and had no unusual transactions or events that occurred."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cebde37a1da4c26a1308e0c2520d49b
encoding: FLOAT32
metadata:
{"chroma:document": "They continue to block our account even though we've told them on several occasions that we will be overseas for several years. They have blocked basic options as seeing your online bank statements. Worst Bank ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f67d384ec0c94f7e9bbe85c562d814a0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a loyal Citibank customer for nearly 20 years. My recent experience illustrates their incompetence and callous disregard for their small business customers. In April 2018, I received multiple letters advising me to contact the Citibank call center to provide information for their KYC compliance program. I contacted their call center in the Philippines and provided all requested information (business address, beneficial ownership info, etc.). Each time I told them that nothing had changed on any account. Later, I received email messages advising me to contact the call center again. Once again, I provided the same information over the phone and via email. I also visited the branch multiple times to confirm that they had all required information for all accounts. I asked the representatives multiple times to confirm that they had all information for all accounts. Multiple people responded affirmatively."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f267f6c340da45b5ac93879f2919f47d
encoding: FLOAT32
metadata:
{"chroma:document": "I could never get anyone at my local branch on 8701 Bird Road, Miami, Fl. I called the national customer service 800-374-9700. I wanted to open a new account to add to my existing accounts. After two calls waiting for over 10+ min, then the operator hung up, I gave them the final shot. I called, chat, I was told that they had no knowledge of the Citibank no penalty cd (which I had been targeted for on an email that very day) plus it was ALL OVER the internet...switched to a supervisor, who was lost, switched to her superior and was told that someone would be back to me within 7 to 10 business days. WOW. This is the single WORST bank all around."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b10ced067014ba08cc07b50b86c726f
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has terrible customer service. I looked online on my accounts and it showed a $0 balance (I freaked out because of how much money I deposited in it and it was missing). I called customer service, after waiting 10 minutes on hold the rep. they proceeded to tell me they closed the accounts. She could not tell me the reason why but I knew why. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02cabb2ba25b482fb3384b219961af18
encoding: FLOAT32
metadata:
{"chroma:document": "This firm is bogus! Do not invest $ with these **. They will cheat you out of bonus money! I will no longer do business with these clowns! I abided with all the requirements and they told me I wasn't eligible for the bonus!!! Screw you, you **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 844169ff84a44757a5ae746cf3d0ec47
encoding: FLOAT32
metadata:
{"chroma:document": "On June 13, 2018, without any warning for communication, all of my Citi accounts were blocked. There was no information at the branch as to what happened or why it happened. There were no unfilled information requests from with the banking or investing divisions. Nobody knew what was going on and the personnel, who were identified to me as \"agents\" were unable or refused to provide any information. At the local branch, they were informed that an unblock would occur 6/15, 6/16 and each day till finally unblocked 6/21/18. There were automatic payments that were not made causing late fees and possible notations on my credit reports. The anguish cannot be described!!! There is no way to roll that back. The fact that a financial institution can hold your assets hostage is beyond any reasonable account, is in my humble opinion illegal or should be a punishable offense. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c60c59ee0f12477a93be059f40455dbd
encoding: FLOAT32
metadata:
{"chroma:document": "I had Citi for less than 4 months. I was given an introductory period with a promo 0% APR and they still charge me interest. It was a huge ordeal and I ended up just paying interest and closing the account. Granted it was not that much money since it had only been 4 months but the process to correct their mistake was a headache and never resolved. Do not recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbd8f55e441b42a594d9bc45a45300dd
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank has always been difficult but this is just crazy! They have blocked access to my business account that I have had for 20 years. I filled out the form, they still won\u2019t unblock. I can\u2019t believe this is legal? I can\u2019t pay my bills, my check to the state bounced."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5ef6ebb0b1f464db719a80ed746a703
encoding: FLOAT32
metadata:
{"chroma:document": "I will never ever recommend no one to Citibank. I opened a new account and they blocked it. They won't let me withdraw the funds that they say aren't fraudulent. But right now I need them. My daughter and my grandbaby were killed in a car wreck and all they tell me they can't help me. Well I hope it never happens to one of them"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 306d7007c94242dd849a4f876992b2f2
encoding: FLOAT32
metadata:
{"chroma:document": "One June 22, after failed attempts at two different ATMs to deposit my mother\u2019s annuity checks, I was informed at a branch office that the account was frozen because of Citibank\u2019s investigation of trusts for \u201cmoney laundering activities\u201d. To say that I was shocked would be an understatement. I should have been immediately and directly informed not only of the freezing of the account but also of the basis for such action. I was asked to provide information on \u201csource of income\u201d and the trust."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9dfd2ff54bb144719c84ecb233c11fbc
encoding: FLOAT32
metadata:
{"chroma:document": "I've had troubles since November with Citibank's Know Your Customer policies. I submitted all documents requested of me, before the deadline, and since then I have had my account blocked three times with no warning and no consistency in communication. Depending on the day and who I speak within their business support unit, I am alternately told to resubmit certain documents or that everything is in order. I get notices sent monthly to my business saying I need to contact Citi support immediately to for further information requests. I call in, they tell me the mailing was sent in error, and to ignore it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b06ad2e466c44f7924c3276cb898b15
encoding: FLOAT32
metadata:
{"chroma:document": "Blocked my account without any notice and no one to speak after a mistake of their own KYC employee and still no one can do anything and there is nowhere to complain to. All you get are persons repeating the same thing like robots; four days. No one cares that their own staff messed up. Citibusiness customer service cannot help. No one can help. They don't care about their customers anymore. It's not the Citi I once know."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6af56b96651d4718bab86e14c97936cd
encoding: FLOAT32
metadata:
{"chroma:document": "I called Citi on 3 separate occasions to stop a recurring payment from an authorized vendor. They promised me each time they have placed a stop payment. At the end of the month, my card got charged again. Their mistake cost me $2,500."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10df628e67444865937793abb9d462a7
encoding: FLOAT32
metadata:
{"chroma:document": "I'm happy to see I'm not the only one livid with CitiBusiness's bizarre recent activity. Accounts blocked, with no warning or notice that it would happen. I called, gave them all the information their \"analysts\" needed. But the woman telling me is extremely important information about how and why my account was blocked, couldn't even explain to me in clear understandable English WHY this happened. When the account is blocked, nothing can go out OR in which is just SUPER for a business. Checks I had out bounced, payments returned. It was an admin nightmare."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 841cf216e02f4e8f9e6c1c7f8cefa756
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst company I have ever dealt with. My card was hacked. I have now called 7 times to Citibank on the same issue. Every month they say they will resolve the issue and fraud charges keep coming from the same vendor. Every month I have to call Citibank on the same issue. Each month they cancel the card and issue a new number. They say the vendor is blocked, then why do they say they have to cancel the card and issue a new one? They don't need to issue a new card. I no longer use this credit card and I never will use it again. They need to resolve the previous fraud changes that I keep calling them about and they keep saying they are working on it. COSTCO MADE A HUGE MISTAKE SWITCHING TO **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f613ccb6ddc74ba2ae66588e6cd41bdd
encoding: FLOAT32
metadata:
{"chroma:document": "Disputed a product charge from a merchant who only sold at conventions and who refused a return both to the distributor and to the manufacturer. Internal product instructions stated a medical condition for which I couldn't use the product. I don't think the Citi dispute investigator even read my replies. Was denied claim when I didn't provide proof of return (they never told me to do this!). Finally the phone person gave me a manufacturer's address and told me to send it back there anyway. But when I provided the proof of return the next day to Citi, I was denied the claim again because I hadn't provided the proof the first time! And there were still several weeks left to provide proof! Worst CS experience EVER!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16e9bfd4bfd447768c68f8411164dd04
encoding: FLOAT32
metadata:
{"chroma:document": "I am a small business owner with a business bank account at Citibank. We have had our account for about 4 yrs. Today I went into the branch to see why I could not log into our account. I was told that our account was completely frozen! I was directed to a banker who informed me that due to some KYC procedure they claimed they mailed notices to my business address... which I have NEVER received requesting information about my business. And since they didn\u2019t receive the documents they froze my account. The interesting thing is that I have received all my statements in the mail at my office address which they have on file AND I have received email notices about general information from Citibank. I have also been in the branch at least once a week within the past 30 days and no one has mentioned anything about missing documents that are SO urgent that my account can be frozen if they are not received. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 811564219dbf417a810a2d30021f8e98
encoding: FLOAT32
metadata:
{"chroma:document": "Basically Citibank is randomly blocking accounts in an attempt to follow the Bank Secrecy Act of 1970. They got fined a hefty amount this year and now appear to be out of control. I have had my account blocked THREE times since April, 2018. The 2nd time I answered HIGHLY personal questions as to my income source and other details that in my opinion is NONE of Citibank's business. I have been with this bank for approx. 14 years and if ANYONE in Citibank would review my account history they would find NOTHING suspicious."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0b64db9c1514c74945d3776408dae09
encoding: FLOAT32
metadata:
{"chroma:document": "I would advise anyone considering banking with Citibank and opening a checking/savings account with them to avoid it at all costs. I signed on to one of their recent promos and have gotten mixed messages on the requirements to meet the promo. I was sent an email telling me to do one thing to meet the requirement, only to talk with a Citi representative later and was told that I was disqualified because I had to meet another requirement. I have never experienced such deceptive marketing practices with any other banks and will be logging a complaint with the Federal Reserve, CFPB, and any other financial authorities to make sure this doesn't happen to anyone else. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed937dba9ec8469782e4871f6dfd33f4
encoding: FLOAT32
metadata:
{"chroma:document": "I have held three business accounts with Citibank for the past 30 years. My accounts have been blocked as a result of the new KYC procedures. I first received the urgent notices on June 8th, 2018 stating I needed to contact Citibank by July 8th, 2018 before account access would become limited. My assistant has been in contact with numerous representatives since receiving the initial notification as each time she would speak with a representative she was told there is additional information still pending."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa167e46ba954e8bb074d202ec0a9413
encoding: FLOAT32
metadata:
{"chroma:document": "After banking with them for 30 years, Citibank sent me a very intrusive questionnaire on my business. Their real message-- prove to me that you are not laundering money. I sent in the completed forms on May 18th - two emails with attachments and proof of delivery. They not opened/read them (you pick) and froze my account with no warning. It has been frozen for a week. My local branch in Foster City has been doing their best to help. Nationally - no sorry , remorse-- and it will take 4 days at least to unfreeze it. The MINUTE it is unfrozen I will be moving out of our 7 accounts we have with them- STAY AWAY from Citibank if you own a business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c3ffb1d4f4249c9a34547c565a41e92
encoding: FLOAT32
metadata:
{"chroma:document": "I have been make a payment net banking SBI to Citibank credit card, but it has not received on 23 May 2018. SBI has declared that we have make a payment on 24 May 2018, 1 month passes away the amount of RS 6472/- not received to Citibank, this is one type of fraud. Both are not accepting about payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f073f60c0ff4d27b520764260c0d1d2
encoding: FLOAT32
metadata:
{"chroma:document": "We spoke to Peter **, CitiBank representative from Jacksonville, Fl. We called about a due payment for a credit card that we paid off in the month of May. He answered the call very defensively. We explained that we paid off our credit card, and asked why we were still being charged. He interrupted us every time we tried to explain. He said that we were misinformed by the customer service rep when we called to pay off the credit card but \"oh well\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a74d7abb8bc403896b837c434d58a4b
encoding: FLOAT32
metadata:
{"chroma:document": "Calling customer service and listening to automated system is a lot more pleasant than their live people on the other end of the phone. Most of their Specialist and Customer Service Reps need proper training on how they talk to customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5197fceb11e1442fbbeb6edc8a206985
encoding: FLOAT32
metadata:
{"chroma:document": "My Wife wants close CD with CITIBANK Laurel Lake branch Maryland and she called online banking customer service and they ask approach to bank branch. She ask me to forward letter for closing CD account. As Husband When I approach the bank employee Mr. Lawrence **. He refused to accept letter. What Nonsense. He argued my wife should be present. I say no because she is sick. They never respect anybody. We have joint checking and CD with them since twelve years. This shows willful negligence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aafef5f575a04bd7b1e6b6b9c23c8efe
encoding: FLOAT32
metadata:
{"chroma:document": "I received one of the worst customer service from the San Lorenzo office Ca Citibank. The assistant branch manager name Shannon provided one of the worst customer service possible. I went in to get information about opening an escrow account and waited in line and sign my name. When it was my turn she skip me to the person after me. I ask why. Her response was, \"If you don\u2019t like it you can leave.\" I felt like I was disrespected."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afd973d73f114744a323330bd996a348
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Citibank for over 25 years. A few months ago I started receiving urgent letters from Citibank asking me to contact them with necessary information by a certain date, otherwise I would no longer have access to my accounts. These letters have to do with the \"Citibank Know Your Customer\" policy which requires me to provide them with a lot of personal and business information, including what I own and what my income is. Even though I thought that many of the questions were way over the line, I fully cooperated. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f7bdc54b91140648040d27dffd40371
encoding: FLOAT32
metadata:
{"chroma:document": "I kindly asked Jenny (Client Relations Dept) to help me with a dispute I'm having with a merchant. She asked me, \"Which number did you fax the 2 dispute letters to?\", I replied, \"866-799-4758.\" She said, \"That is the wrong number.\" I asked, \"Why is it the wrong number?\" She said, \"Don't curse or I will disconnect the call and hung up the phone.\" I explained, \"The letter plainly states the number in black and white\" before she disconnected."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e4f9550f60d4590ab9773fe38054484
encoding: FLOAT32
metadata:
{"chroma:document": "I was approved for a Citi credit card. Email and mail approval with last 4 digits are of account number. Needed to purchase airline tickets soon which was the only reason I applied for the card in the first place. 1 week and 3 hours on the phone later. No account number. Hung up on for foul language. Told I don\u2019t have an account. Assured I would receive my card within the week. COME ON! I am a new customer, help me out. All I want is my info to spend money and pay you interest. DO NOT SET UP AN ACCOUNT WITH CITI! No ifs, ands or buts. You will regret it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3428bfbfb80345aea9228af951552d3f
encoding: FLOAT32
metadata:
{"chroma:document": "They cancelled my Visa debit card before expiry date without prior warning or replacement merely because they decided to change supplier to MasterCard. I live abroad and on my payday was deprived of accessing my funds without warning, being left with no fuel 14kms away from home and almost no phone battery. I called them and they couldn't sort out the issue then making me walk home through the mountains and ask for help of strangers. 2 weeks later they still haven't made a new card arrive to my location in Europe."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8adef0a52a44ff6b0b929b88859d340
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{"chroma:document": "I have had multiple, serious problems with Citibank over the last 5 years when I cared for my mother with Alzheimer's disease. Here are just a few: 1) My mother recently died from Alzheimer's disease (2/18). There is $2,000 left in her account. Citibank refuses to release the funds because I have her 2008 most recent Trust appointing me successor trustee, but the Citibank account is titled with a 1992 Trust, which also appointed me successor trustee. She is dead. Before that she had AD. I don't where the 1982 Trust is or which lawyer wrote it. Even when she was alive, she couldn't have told me. Citibank has her current Trust, her death certificate, and my photo ID. I've been going to the same branch for over 5 years on my Mom's behalf."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e229175971a342cfb7816f3f7ff54a34
encoding: FLOAT32
metadata:
{"chroma:document": "After more than 15 years with our accounts in Citibank, and despite we move to Texas where there is NO Citibank branches or ATM machines, the bank decided to close our account citing as a reason that I'm using my personal account as a commercial account. No idea who make these decisions, but they are idiots and obtuse people. If using the account to pay rent, gas, groceries, stores cards like Macy's and others is consider a commercial and business use, then I am Miss Universe. Horrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dffb933750b34415875e00ccfd605aba
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citibank customer in New York City since 1996, so about 22 years now. Recently, Citibank has started hitting my savings accounts with monthly fees of $25 and has done so about 8 times in the last several months. All this without warning - or even an email notification. No communication at all. When I call and explain, Citi then says they changed their fee structure and apologizes for not sending notices, and then reimburses me for the fees. I always ask what amount do I need to keep in the accounts to not generate monthly fees, and make sure I have kept the minimum balance from month-to-month. Citibank then goes and charges me again. It is ridiculous. I believe they are literately trying to take the money from customers hoping they will not notice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae28e36533ca4894a815fb65c6269059
encoding: FLOAT32
metadata:
{"chroma:document": "This is the second time I am attempting to open a Citibank Account (after almost 10 years). I submitted the new account application online and finished all the required steps within a week. It's been 3+ weeks since the last step and I still haven't received my debit card OR any emails about what the next steps are or what to expect. I am just sitting and waiting here for something to happen (no idea what that should be)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ded6107ed72149bca827a010102adb68
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Citibank for roughly 30 years and all was well but until recently I have been contacted by the \"Citibank Know Your Customer\" department of which wanted to know my personal business and exactly what you own. To say the least this has been borderline harassment into my personal business. I have been asked the same questions several times for five months of which I fully cooperated but today I just found out that they had blocked one of my accounts for no reason at all and without warning. Their explanation is that one of their analysts is examining my account. I would ask anyone who opens an account at Citibank to be aware. If anyone has had a similar experience with Citibank to please let me know and what we can do about it. I would surely appreciate a response as I feel legal action should be taken on this institution. Thank you for anyone who reads this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: faf2b2478fe24e069b45fd75e574017d
encoding: FLOAT32
metadata:
{"chroma:document": "I writing this review to advise anyone who is not a millionaire and lives paycheck to paycheck to not open an account with Citibank. The bottom line is that they steal your money. The computer system they use is outdated and inaccurate. I've had 3 incidents in the past year where I am debited the same amount 2 times in the same day. When calling customer service advising them of their error, they tell you their \"investigation\" could take between 8-10 days. Meanwhile, you find yourself in a financial hardship situation due to their bank errors while being charged for late fees by cable & phone company. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ec5cfff67714459aa9f51c584ac4816
encoding: FLOAT32
metadata:
{"chroma:document": "Recently (around May 15) I submitted my application online to open an Online Access checking with Citi. The process was fluid and seemed relatively easy. I was advised to mail/fax in my identifying documentation, so I faxed my recent updated utility invoice along with photocopies of my valid US Passport and Social Security card. On May 31, 2018 I received my Welcome letter from Cati, which included my checking account number and how to complete the process of setting up my online account, to which I did, and within the next two days had received my Citi MC debit card and was able to activate it without issue. I quickly set up direct deposit through my employer, and from that point till my full check was deposited on 06/07, I went to use my card and was surprised to find it was declined. I logged in to my Citibank\u00ae Online account, verified the funds were there and available..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34c2ffa50bd1408591ea6e50b0f576eb
encoding: FLOAT32
metadata:
{"chroma:document": "I made the biggest mistake opening an account 2 months ago and it's been nothing but problems. First they couldn't even send me debit card to the right address because some moron didn't put my apt number on the letter but I received the checks. Got three different answers from their rude customer service. Apparently checks have to be activated before use? No one can give me a straight answer and to make it worse the check they bounced was a rent check. Now I'm having a hard time getting them to send me a letter to waive the rent late fees! The guy over the phone kept saying, \"I don't know what to tell you.\" Even the branch guy in here in the Costa Mesa 17th Street branch said, \"I don't know. I'll have to call and get back to you.\" Horrible customer service. I just closed it today! Stay away from this bank. It's been nothing but problems and dealing with stupid people! Good riddance!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0943852ac931496ebc081e3e5a879a67
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank does not provide disabled customers with the same level of service as their able bodied customers. I am disabled and do not use voice telephones, TTYs or relay services. Citibank HAS chat enabled on their portals, but you must create an account and log in if you wish to use them. For the past 3 years, I have been trying to get Citibank to provide me with account login information, as I get errors with each attempt. I am an IT professional, so the problem seems to be with the underlying data Citibank is holding on me. To date, they have never resolved this. I requested they close the account and was told they would not unless I sent physical mail, which I did. I faxed the Executive Response Unit for CitiMortgage (whose fax number I DID have) requesting they cancel the account, and was ignored."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13e8b627cd594113a5056ec74497a883
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a checking and savings account with CitiBank about 8 months ago. The experience has been a nightmare. The customer service representatives tell lies, contradicting themselves over and over again and this doesn't appear to bother them (perhaps they have grown accustom to being liars at the cost of the customers). I certainly don't want these unethical rascals making decisions regarding my money because they can't tell the truth and the manager is even worse. She is Hispanic and she has a nasty attitude. She has advised customers to go elsewhere to open an account and conduct their business and, they should take that information as \"good advice\" and go to Capitol One or PNC, banks that care about the customers and their monies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca04a24ec7ce43dca3131e671dd796b2
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Citibank has been terrible! The customer service is not helpful at all. I was in the hospital for several months and in turn late on several payments. Citibank was notified and was aware of the situation while I was in the hospital. Fast forward to today my account is current but I was charged 3 late fees at $35 each while I was unable to leave the hospital. Which is against FDCPA laws! When I called the customer service today they were not helpful and said they would do nothing even though I had been in the hospital. We even offered to send the medical records... I will be canceling my accounts with Citibank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5538d52e392744e6aaad96f795abbc25
encoding: FLOAT32
metadata:
{"chroma:document": "Staff is very courteous and accommodating to make sure needs are met. They were willing to meet with me after hours to open an account and to deposit funds."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c98f5ae36ec740929c30b58d7f37f5bf
encoding: FLOAT32
metadata:
{"chroma:document": "My business and personal account was with Citibank for years. They closed all my accounts and they give me 15 days. The reason because I do multiples transactions and because my business is almost cash they did not want it anymore. The manager at the bank did not care at all, I call all the numbers that I can find and no one care and they don't offer any help. On top of everything, they are canceling all my credit card after 30 years and my score is 794. In the letter that I received from Executive Response Unit is a tel number that they cannot give you any info and says they will send me a letter in 30 days. I am desperate, depressed. I don't know what to do anymore. It is not customer service at all. I always take care of my payments and my credit and now is all destroy because of citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1569109f90e644189ad604fab336d725
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a home equity line with CitiBank for 10 years. I originally had my mortgage through them BUT they sold my mortgage to another company - as is done with other banks. Unfortunately, in trying to refinance my mortgage, CitiBank was found not to be reporting to my credit report. Their records on my account we not clear. They refused to clarify information brought to their attention on several occasions by myself and by my mortgage company. Due to the lack of transparency, the mortgage company could not proceed with the loan due to the requirements stating clear information be obtained. This process took three months and they still did not provide the correct information or report to my credit report. Needless to say, the loan did not go through. Citibank has proved to be unreliable, not transparent, and shading in their practice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 880e6c9530594a049c8dd1e30cd0a17e
encoding: FLOAT32
metadata:
{"chroma:document": "After spending all day looking at my account, doing math over and over again I noticed there was $249 missing from my account with nowhere it could have been used. It just vanished. As if someone invisibly robbed me. I contacted Citibank and after an hour and a half of going back and forth with the agent, the agent confirmed from the higher ups that Citibank is having an error with April transactions posting again in error. She explained that the money missing would be put back onto my account without a specific date in mind of when it would happen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca2f3fa38b864b028e23ed1ad4adb78c
encoding: FLOAT32
metadata:
{"chroma:document": "The bank is unethical, as I recently discovered fraudulent and deceptive practices as it relates to duplicate billings. On my statements I was billed twice on numerous occasions. Unfortunately, I was not the only credit card holder that Citibank has attempted to deceive."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c21a664f39a643dbb5e18acc0193b9bf
encoding: FLOAT32
metadata:
{"chroma:document": "I will never apply for a credit card again! They send me a letter telling me that I'm pre-approved for one and I understand that does not mean you're approved right away but usually high percentage that you will get accepted. They declined me, so now it's going to affect my credit score that I been working on for the past year and my score is pretty good and have on-time payment history and never missed a payment. My point is don't send me letters telling me that I'm pre-approved and most likely going to get accepted and then decline me! I work so hard to work on my credit and you guys send me letters telling me I'm pre-approved and then this happens. I will never give you my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 288f2cbd99c748bca519960b7bdbdd4e
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metadata:
{"chroma:document": "Citibank is the worst credit card company ever. Someone opened up two credit cards fraudulently & then they use crooked collection agencies like Pressler & Pressler who had my wages garnished for a fraudulent credit card debt that didn\u2019t belong to me. I\u2019m sure that I\u2019m not the only person that Citibank put through financial hardship. The victims of Citibank need to sue Citibank for all of the fraudulent accounts that were opened."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec04791a4bac44c9a74baf1ef7857dc6
encoding: FLOAT32
metadata:
{"chroma:document": "Customer services representatives, with little exceptions are worst trained to assist their customer. I think they are trained to be terrible incompetent. Doing their best to make feel frustrated the customers. It is sad that Citibank does lot of profit taken our deposits but they enjoy treating us like 5th category clients. I hope this very old bank take corrections to return to the funder's good services tradition."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b232c4dc2f984d7da1e8c965a1c195a2
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a proud Citicard holder for maybe almost 2 decades now. I have Costco, Master, Visa. Last night I had some issue trying to log in to my Citi app. I thought it was just glitch or they were having maintenance issue. Tried again in AM w/ app and the browser and still would not let me log in. So I called for support and they transferred me to outside US call center which they told me that it must have been a slow internet connection - I told them I can access all my other bank accounts except Citi but I gave it a chance and when I got home I used my laptop with speedy internet connection and still no success."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b931603b37c9456293dee22088dc5076
encoding: FLOAT32
metadata:
{"chroma:document": "I have always had bad experience with Citibank customer service. This time the guy was talking non-stop without caring about what I wanted from this call. It's a simple 1-minute task and he was holding me for more than 10 minutes reading me all unnecessary and irrelevant stuff. I got pissed off especially after I told him that I didn't have much time talking about those nonsense. He said \"yeah I know time is important\" then continued talking with no points. I have no idea why Citibank would hire someone like him to do customer service. His name is Tom by the way. I closed my card. I'm glad I won't be dealing with Citibank anymore."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b912e5725f224f4aa8842dee937ba354
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a credit card with Citibank for over 25 yrs (Universal Card) and this card has been headache after headache. At a young age, they give me a huge credit line, Then they play around with you. The customer service is horrible. Their APR is so much higher than the national average and I have never missed a payment. I have a good credit score and they refuse to lower my APR. I write letters and call just wondering why it is higher than the national average. I get nothing. Every time I call to see if I can be considered to have it lowered, I am told it is not available at this time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04de2b8cfeca450f92abfb8ad1e16025
encoding: FLOAT32
metadata:
{"chroma:document": "This company barely has reps in the US. The ones they have are just as incompetent. They refuse to help you or simply hang up. Customer service means nothing to them. All of them say they have no supervisor, no direct manager or simply refuse you to someone else. Try to cancel your account, your money, and they say they can't. Please do not deal with them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec513a78f257453aa01d4f3ecd953368
encoding: FLOAT32
metadata:
{"chroma:document": "CitiBank is going down. There are less than 50 branch offices in Florida. All in South Florida near Miami. My guess is that they are losing money because of the Trump Tariffs. I've had credit card with Citi for about 10 years and I've never had a fraud alert on my card during that time, until last week. It was a fake fraud report. I was told by Citi phone reps that because I made a purchase at Advance Auto Part one day and Napa Auto parts the next day that cause for concern so they locked my account. I was also told by the same phone rep that I had verified the purchases but they still weren't going to unlock my account. Even though I satisfied all the personal question. They also required me to have a phone number with my name on the account that they could send text to with verification code."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73cc5186eabe4d4b86c4e959737839e5
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metadata:
{"chroma:document": "Do not use Citibank or Best Buy! They will try to talk you into opening an account. We purchased a computer and was told by employee at Best Buy to do the 0 percent financing to come to find out they will take your bank information and withdrew money but never the correct amount to have load paid off then go back and charge you interest from the purchase date! Save your money and don't buy from Best Buy and don't use their financing through Citibank! Fraud!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a962553ef5344c46a9f78194ba7a3937
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank has screwed me for the last time. I'm closing my account tomorrow when I can finally retrieve my funds. I thought I lost my wallet and reported the card stolen however I did not realize that when doing so I would lose all our access to my online account and up and be restricted from seeing my own account information or having any access it all to my funds. Even though I lost debit card being reported is completely separate from online logging on and password. They still without my approval or informing me took away my access and logging in to all my accounts so that I can see my information or log in on the app or website at all. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e41a901604c47adbac0b1e27786e17c
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metadata:
{"chroma:document": "I have been a customer of Citibank for a long time and I have 8 open credit cards with them. They sent me an email stating they were lowering the credit line on one of my cards due to balances on my credit report. I called told them it was Christmas presents that I am paying off. I have never been late in all the years I had been with them and that my daughter (15) is away on a trip with that card for emergenices. They told me the system DID the review and that I would have to like reapply to re-establish my limit! ***Do not ever get credit from Citibank***. CEO Michael Corbat email is michael.l.corbat@citi.com. CEO Barbara Desoer email is barbara.desoer@citi.com. Stay away from this company. Chase is so much better!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c35ac69ac1c6489eb9ffd4acb508824e
encoding: FLOAT32
metadata:
{"chroma:document": "This company is not good. Try to take my money all their time. Ask pay off statement. They don't want to give me information and keep Transfer to where department so I can even pay off. They are Devils. Away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17f7008ef7c74ff99d569b79fd1b906b
encoding: FLOAT32
metadata:
{"chroma:document": "This bank failed to protect my checking account. Even though I hardly ever write checks, someone hacked my account and stole large sums of money. They wrote number of small sums of checks. They failed to detect the theft. This bank is now blaming me and refusing to pay me large sum of the stolen money. That after 18 years of being a client. Disgraceful bank. I will soon move my bank account elsewhere. Will file a complaint with all the governmental agencies. AVOID."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a48c521975347fcaf1ccc0990d85654
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve accidentally pay 3K payment to a wrong Citi card on 2/28/18. I\u2019ve been trying to get this overpayment return to me since then with out a success!!! Every time you call I get different story and at the end money never arrive??? The last I\u2019m hearing is there is 14 days hold for a review? What? It\u2019s a overpayment. What\u2019s there to review? I\u2019ve been with Citi card for 20 years and to be treated like this! Not correct at all! STAY AWAY FROM CITIBANK ALTOGETHER!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 47226f5f29a442019370fbccd34af275
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metadata:
{"chroma:document": "My fiancee resides in Fort Lauderdale in Florida, and a friend of ours has sent to me in Australia a total of AUD$30,000, BUT your USA branch has withheld these funds. These funds are vitally important to myself here in Aussie and would like to know what right you have to hold onto the funds for a week. I am demanding that you release them and I shall get the receipt number to give to you to send the funds to my NAB in Australia. You lot did this to me in 2016 so nothing within Citibank has changed, just got worse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 712206f4b8714176bbd0d10409f363ca
encoding: FLOAT32
metadata:
{"chroma:document": "I will make this short. I have had to get a new password for Citicard many many times. I get a new one and the next time I try to use it, no good again. I know without a doubt that I am using the correct PW. I\u2019m so tired of this that I am ready to close my accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c955168f0be4680bc7f8bbd22e445d7
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{"chroma:document": "Well all other reviewers were correct. Unfortunately, I have to recant my positive review because Citibank apparently does not want positive reviews. Since I wrote that positive review they closed all my accounts. Discrimination at its finest. No reason given, some undergraduate out of school who has less life experience than my pet dog making decisions to hold payroll income that feeds my family. Legal fraud at its finest. All banks are the original fraudsters and the fraudulent reporting companies they form to make money from consumers by reporting inaccurate information by the bank, while both bank and reporting company are the same just under different entity. Thanks for discriminating against me and holding the money that feed my family."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0adbe4e5727843fc93e789c806d55ddf
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metadata:
{"chroma:document": "Good day to whom this is addressed: This correspondence is in regard to my very problematic secured card process. I would like to say I applied for the card back on January 26 2018 I believe, the same day as applying for a Capital One secured card in the same manner. Without being notified the \u201csecurity\u201d deposit was removed from my checking account. That is of course a part of the process. After waiting the 2-3 week period for the card itself. I began receiving letters stating I had been approved etc. I began waiting for the card. Which until 3/18/2018 hadn\u2019t arrived. On this date, 3/18/2018 I initiated a call to report the missing card. A gentlemen took the call after verifying me with a code via text sent to my cellphone. The card was then overnighted to me. Awesome! Except I have not been able to \u201cverify\u201c myself to activate the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cfda41886194b0caa9e02f59a335e78
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metadata:
{"chroma:document": "I call Citibank on my husband dispute. The damn lady supposed to supervisor. She is rude. Hung up on me. If question her she say she didn't have to my account so she couldn't answer me. If she get my faxed they been game ** that I they say, \u201cOh get the faxed.\u201d Couple day later I call back they say they didn't them. ** business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37ec891f5b484d3c9e25daf1d603fe91
encoding: FLOAT32
metadata:
{"chroma:document": "Yesterday we got our first Citibank Visa bill in about a year. It contained a $25 late penalty on a bill we never received. We never use this credit card except as a backup, and we do not expect bills on this account. I pay all the bills and was not looking for this one. My husband, without my knowing it, mistakenly pulled out this card and made a purchase was for $41. Hence the late penalty was more than 50%. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4ad392203534a8cb2110efbcc9d26ec
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{"chroma:document": "I've been banking with Citibank for 7 years. I am called a loyal customer by Citibank, but every single month something new happens and my experience with them deteriorates. I've been very unhappy with the fact that I always need to be transferred on the phone and I need to explain my issue to every single customer representative. Yesterday, I transferred funds to the closed account by mistake. I called Citibank right away to have that process reversed or stopped. I was told after spending 45min on the phone, that the funds will be posted on my account after 6 am. I called next day at 3pm and the funds were still not processed and the funds were basically frozen. I couldn't use my own funds!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23450d2536fb4b27b65244ccddeb8a05
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{"chroma:document": "I have been, what they called, a loyal customer at Citibank for many years. One day, I got some letter informing that my accounts were going to be closed. Upon receiving that letter, I called the phone number mentioned on the letter. I talked to nice people telling me that I should not worry, there were no notes on my account and that everything was fine. I kept receiving the same kind of letter for 4, 5 months, kept calling the customer service upon reception of every letter, went to the branch at least 2 times and kept being told that everything was fine and that they was no reason to worry... "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf9476021eb44ecaa1055bb2aed79fc1
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{"chroma:document": "I make monthly credit card payments online. In Feb I paid the full balance indicated, to zero balance. In March I received an \"emergency\" text from Citibank. Apparently, they added $4 interest to account after I paid full balance, without informing me. I spoke to the agent by phone about the $4 balance, and was asked to pay $4 using a bank account always used for payments and agent verified the bank acct #. The agent then used wrong the bank acct (one no longer active) to pay the $4. Citibank accused me of being 2 months behind on a payments on the card, and refused to consider their error that now shows negatively on my credit report. Never use Citibank for anything!!! Horrible customer service!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38e8ddceaa7f45748a7bd2e6587338a0
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{"chroma:document": "Open a checking account with Citibank on 2/21/2018, and made deposits on 2/22/2018. On 2/26/2018 I tried to access my account on my cellphone and found it was unavailable. During this period, I never got any message, email or letter to notify me about my account. Then I went to Citibank local branch immediately for help. One lady checked my account and told me there is a restriction saying the check I deposit through ATM without a date. She had to make a call and see what to do next. After almost one hour waiting, I finally could speak with a live rep. He told me I had to wait for 10 business days for their fraud department to investigate it. I called a couple of time and they all told me about the same thing. Then I decided to wait for 10 business days to see."}


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 know how these are all one star reviews. I did see that many of these reviewers have had accounts for 20-30 years! Do not let one miserable representative let you down. I have banked with them all and Citibank is by far way superior than any other bank. The customer service and technology alone is years ahead of BoA, USBank, and Wells combined! Once again a few tool reps and dozens of unhappy customers. It\u2019s not even the reps sometimes it is the the faulty governing of the inaccurate reporting from Early Warning and other shammy companies that report nonsense to make money. That\u2019s the new business these days, reporting, as if the three idiot companies weren\u2019t enough inaccuracy there are 100 more with reps that don\u2019t know how to boot a computer let alone report credit information accurately. Don\u2019t be mean cause then they will flag you. But people please leave Citibank out of this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb3535b3260743819f83728e128dbcfd
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{"chroma:document": "I went to the ATM on March 2, 2018. When I entered my pin number the first time the machine rejected my debit card back to me I tried a second time to be sure and the same thing happened. I tried again the third time the same thing. I knew something was wrong but, I didn't know what. I thought my check hadn't been deposited in the bank. I have been using the same pin number for over 2 years. I left, the ATM machine came home and called Citibank. First I asked them the balance of my account. He gave me the balance then I knew the funds was there. He said his name was Frank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb86393c6b6e48d49b13ae2b5b341dec
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{"chroma:document": "How do you spell incompetent? I spell it Citibank. I was scammed by an international company in 2014 & 2015. I have attorneys working on the problem, but I needed some documentation from Citibank. There were other banks involved. Citibank's share was $19,500.00. So I sent letters from my attorneys and other detailed documentation to all of them. When I knew what the answer would be, but I needed it in writing to process my case. The other banks responded in about 30 days, so NP. When I called Citi the runaround was ridiculous and they said they never received my documents. Well I have the Proof of Delivery. Then they told me I sent it to the wrong address. Well it seems a corporation the size of Citi would be able to forward mail internally. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebdb8df2bfc64bfa925e5da909419074
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{"chroma:document": "I have applied 3 times within the last year to Costco Citi card and was denied. I have no loan, and have good credit score (>710) and have a job with good salary. I have already a credit card with another company for more than 2 years, and wanted to have Costco Citi card to get the benefits of cash back at Costco and Costco gas stations... I am so sad that Costco opt to choose to be affiliated with this bank, since it has turned away a lot of customers... My purchases have significantly declined from Costco. I am not interested anymore in Citi card, once they know how to respect their applicants and to review their records accurately then would be happy to consider them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b38582a5be5e4430a8291598a2187ae0
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{"chroma:document": "Absolutely worst bank ever... Have been trying to pay off my credit card account in full for over two months. I refinanced my home, and the mortgage company sent me checks to pay off 5 accounts/credit cards, etc. All... Except Citibank. Where extremely straightforward and easy to do, with my respective accounts showing \u2018paid\u2019 within a few hours of sending the checks. Citibank, however, refused the check. What began then was a over two month phone battle, wherein they lost the check, couldn\u2019t verify or find it. And told me they hadn\u2019t received it. It wasn\u2019t until I contacted the Post Office and received a tracking number as well as date, time and person that had received the check. Only then did Citibank admit they had the check... Weeks earlier."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9bb2aae34f94dbab039b84263a202d6
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{"chroma:document": "My son called to dispute a purchase from a fraudulent company. He was informed to cancel his card in which no monies will be taken from his account. The order was not pending nothing. Following a Citibank employee advice he canceled his card. 11 days after he received the new card 5 days later the money was withdrawn from his account without prior authorization. My son again doing the right thing contacted Citibank explaining over and over what happen. He requested a Supervisor whose name is Slivia. She refuse to provide any additional information about the branch she was calling from began to twist his words and blame him as if he was the theft. There was no getting through to her."}


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 got a Citibank credit card several months ago and had been happy with it. We paid early and more than the minimum. Then last month, my bride had her card declined at Marshall's. The purchase was not big. We went on vacation and forgot about it. When we came home we had received a letter stating that they were concerned about suspicious activity. I called \"customer service\" and that is where the nightmare began. (In the meantime, I had changed my phone number and not updated it with them). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ef01e737fc94f0294630ba966311941
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{"chroma:document": "Disputed a charge. Vendor provide documentation that had NOTHING to do with the dispute. Citi closed the dispute and awarded the vendor the funds. THEY STATED that as long as they got Anything back from the vendor I lose! I said \"you mean they could have send you a birthday card in response??\" and CS said, \"Yes! All the vendor has to do is answer.\" Needless to say I shut down 3 accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c408a39bdea4ad599fbec01b9aa4938
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{"chroma:document": "So Citibank blocked my account currently is in closing process. They told me that they're closing my account because I have card claims too many I guess but because my card is lost or stolen. When Citibank vow to protect my money my gas, rent and power is due and they're telling me that I can't get my funds because my account is in closing status so I have to wait for them to completely close out my account which can take 30 to 60 days and they can send me a check but it's funny how all of a sudden my account get closed when my taxes is coming into my account. Over $3,000 that I can't touch because Citibank wants to be **. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 210aa0ddeab7414bb98834965512f4fe
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metadata:
{"chroma:document": "I had a Citibank Checking account and a VISA card (Costco card). I received a letter in the mail saying that after a review CITI has decide to close my account. As a background, I am a NASA retired Ph.D. researcher. My last position was the Technology Manager for NASA's Mars Program. I worked at the Jet Propulsion Lab, in Pasadena for 31 years. My credit rating is 833, I own a home with zero mortgage, and in 2017 I charged $70,000.00 to my Costco credit card and paid the monthly payments in full every month. At the time they closed my account I had $10,000.00 in my checking account. Just like another reviewer said, they would not tell me or my local bank rep why they closed my account. Feels like living in Russia!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bd8be75d6ae4860a4e8ddcf6d8c54a4
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{"chroma:document": "I was a loyal customer of Citibank for over 30 years. Suddenly, over the past 3 weeks, Citibank has been closing, blocking, unblocking, suspending my account, limiting access to my own funds. They never notified me of any problem and never notified me of these actions either -- they just did it. My local Branch Manager is diligently trying to help me but she cannot help because even she, the Branch Manager, cannot EVER reach a person in the \"Back Office\" which she says originated these problems. Everyone in my local branch knew me by name and were supportive when I renovated my house. Now these workers are utterly powerless against their own senior management."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9831547e08664e9080cffa2c3019c9d4
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{"chroma:document": "I sent a Citibank check to my cable company for $215.00 in August, 2017. A couple of weeks later, I learned that the check had been washed. Someone else's name replaced the cable company's as the recipient and the amount of the check was increased to $815.00. Of course, my signature remained and the check was cashed. A representative at my Citibank branch started an investigation which I thought would recover the money I had lost. I heard nothing about this matter after she did and I contacted Citibank by phone in December. They told me that there was no follow up to my complaint and because of that, the case was closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01256a3044d54190b071ed61874da560
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metadata:
{"chroma:document": "Citibank business banking tells every customer online, to not give out banking information, for fear of identity theft. We received a phone call from the East Coast, where caller said they were from Citi Business Banking and needed information on our company and CEO/Pres. We refused based on identity theft fears. Then we received an email on a few occasions, stating to click the link and answer the questions, or to call the number provided, asking for the same type of confidential information. The President of our company called, but it was to the East Coast, and the questions they were asking us, were again confidential in nature, so the President declined to answer. The President here, then contacted his Branch Manager, who said he was unaware of such a questionnaire, and that he would get back to us with more information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac041fc40e2a42a5bb5100f88b56281e
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metadata:
{"chroma:document": "Another horrible customer service experience with Citibank. Their year end summary is inaccurate. I just spent 40 minutes, mostly trying to log in to my account, but there were repeated problems just logging in, and I had to get to the supervisor level just to do that. The original problem was never solved, and so after 40 minutes, I gave up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1269798acf243d5b85c9779ff682b8d
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metadata:
{"chroma:document": "SCAM SCAM SCAM--Benefit cannot be utilized because small print says if you've had a previous illness that's a pre-existing condition---SCAM. Bad news because you think you have coverage and don't buy any."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a991eb9cd304b4393f880cc5c8d2d0e
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{"chroma:document": "Citibank was fined 70 million dollars last month because they had not complied with the bank secrecy act and anti money laundering act. Their knee-jerk reaction apparently is to close down accounts. We have been customers almost 30 years. Everyone in the branch knows us, they know we are building a house, they know us by name. We have received letters from them and taken them into the branch to find out what information they needed. We have given them the information they requested. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4f6157e2e7544f6970dc228ff8e1f26
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{"chroma:document": "After doing business with Citibank for over 20 years, the bank closed our business account due to \"insufficient documentation for Know Your Customer program\". Well you'd think after 20 years of doing business with the bank, they'd already \"Know Your Customer (KYC)\". I complied with their request in December 2017. In mid-January 2018, we received a nasty letter stating they would shut down our account if we didn't comply by February. I called, spoke to the consumer dept. and the KYC department. They couldn't open 2 documents from my original submission. Ok, no problem. I sent the 2 files via email, stayed on the line with the person there (ANNA) to verify. She had no issue opening the same documents I had previously submitted. She verified all was fine, no need to send anything further, all was received. I heard nothing more via text alert, phone call or email. Great. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c83e11e362745c1b00cc87a761998b1
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{"chroma:document": "I canceled my Home Depot Citibank card. I then did a balance transfer for the entire amount. I spoke with an associate to confirm. I then started getting bills for a hundred and something dollars. I called and apparently they added on all the interest for that next month, after the balance transfer. I called and they told me basically too bad, but after long convo, they agreed to get rid of it if I paid 34.16 (which I shouldn't have had to do). I called back to pay and the lady had no clue what the other person had said or promised. She told me she'd put the credit on it and It should say zero when I log in. Of course it didn't. So I waited a few weeks and called back, and spoke to someone who said it would take a billing cycle. I asked her to please make sure I don't get a bunch of late notices, and she said I wouldn't."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e40780f0a08643568f38e7d256025f5a
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{"chroma:document": "I was a victim of fraud on my account. I was out of the country at the time as well. I am a early paying customer and have never been late with payments until this incident on my account and was unable to pay any of my bills. As soon as my account was sorted I paid. I got a late fee, and tried to get the fee waived. Citibank refused to take care of the late fee due to this circumstance (which I have proof of). They told me I was \"ineligible\" for a fee waiver... A VICTIM OF FRAUD IS INELIGIBLE FOR A FEE WAIVER. I was so floored and disgusted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Received a letter from Citibank KYC Dept (Know Your Customer) first week of January 2018. Contacted their KYC dept and was told they need to verify email addresses and signers on the account. I filled out the forms and emailed them. Then to be sure I went into the branch and had a Citi Business Banker call KYC and verify that the info was received and it was. Two weeks later my Citi Business debit card will not work in the branch to deposit a check. The teller told me it was cancelled. I then sit down with a Citi Business Banker again (the same one) and she calls the KYC dept. They say they received the info, but my card was deactivated anyway."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11a0ca34e9964d6089c4c3aac390b9f8
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{"chroma:document": "We have been Citibank customers for 17 years. After receiving a letter a few weeks ago about them missing my husband's employer info we called 3 times only to be told they showed no record of the letter being sent. Then last Saturday they block our account without any notification. The past week I\u2019ve called KYC 10 times, sent the info via fax and email twice. Was told it was rec\u2019d and in process. Then today (Sat) they without notification close our accounts and liquidate. We have no way to pay our bills or mortgage. This is gross misconduct on Citibank\u2019s part! Don\u2019t bank here!!! Leaving after 17 years!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80a44ae5d59741daabec21da324818dd
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{"chroma:document": "Citibank has repeatedly placed unreasonable blocks on my only access to my account (online and ATM cards) leaving me stranded overseas with no access to my funds multiple times. Despite providing all information that was requested through their secure email and phone calls, my access has again been blocked and there is no certainty when the problem will be resolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa2040be28fc49a3b06686297a199aba
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{"chroma:document": "This bank is the worst, their business hours are terrible (opening at 10am closing at 5pm by my home). A lot of people do work evenings you know! This makes it impossible to go to the branch to resolve any issues. Been waiting for my new debit card for a week now after I was promised 1-2 day shipping. Nobody never knows anything when you call their customer service number. Really considering finding a new bank to bank with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 714b76caa295462ba13c818e3b07bffe
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{"chroma:document": "Citibank has closed all of our accounts without any warning or advanced notices. No explanation can be provided over the phone either from Citibank customer service. I am waiting for some kind of correspondence due to the letter I sent them. We have excellent credits and long term membership. It is very unusual for a well known bank to do business this way. I sure will not support this bank and will not use their credit cards in the future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b8b7c3429c748a3822a24c886ee0c59
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{"chroma:document": "Have been trying to close/transfer an inherited IRA account for 4 months now. I've jumped thru all their hoops but still nothing. Responsiveness - HORRIBLE, I have to email and call weekly. Say they'll call, then don't! When ask to speak to a manager - they \"don't have any\" yet they constantly have to run things by their \"management team\". Has been a time consuming nightmare I would not wish on my worst enemy. The branch people are useless and have no authority - but they will bend over backwards to take your money!!! Citi has been my primary bank for 20 years, but after this all funds will be moved to any other bank! There is a reason their name rhymes with **bank..."}


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 with Citibank for 10+ years and I am thinking to move all my accounts out! Just for today, here are the bugs: (1) Citibank business online will not allow setting up a recurring payment... There is a bug on starting date! (2) Citibank business Popmoney does not allow setting up a recurring payment... There is a bug on recurring options! (3) My personal Citibank account suddenly does not log in anymore... I had to call to change my password. (4) I called the customer service to help its dying IT department... They cannot verify my account! And would not take a note for their IT people either. Last week, I went into a Citibank; they do not handle business account?! I had to go to another location. I am spending too much time as if I am working for Citibank! OMG. Is Citibank going through bankruptcy? Very shaky bank."}


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 payment on the automated telephone system. For some reason it didn't go through. I tried to resolve the matter with CS but the lady had a thick East Indian accent which made it nearly impossible to communicate. I asked for a supervisor and she told me none were available. I tried to reach out thru the message system online they wouldn't hear me out and didn't accept any responsibility on their end. I tried contacting the BB and the FTC to reason with them but they still kept applying late fees to my account. They are full of it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Citibank has always fallen short here and there. They put very minimal limits on what I could spend on my card. 1,000 limit, when my rent alone is 5,000. But I looked past this. Big mistake. I went to the ATM on a Saturday. It was URGENT I get the deposit into my account, as I had rent overdue. To make a long long story short, the ATM ate my money. It spit out a receipt with no explanation but sorry, we are unable to return your money at this time and a phone number. Pissed off, I called the number on the receipt assuming they\u2019d immediately connect me to customer service. Not the case. As per usual, I waited on hold over AN HOUR! An hour!! When she came to the phone, again I could barely understand the lady. They must work with Asian gals. Ineffective and overly apologetic with no resolution. Lady, I don\u2019t want your sorry. I want a solution"}


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 an item I had to sell and I advertised it online on an app called OLX. After I had attracted a buyer we talked about using Citibank to transfer the money into my bank account after I posted the item. I soon got an email from Citibank saying this action can only be verified if I send them proof of postage and am not allowed to show the buyer until authorized to do so. After I sent them the proof of postage they immediately responded by saying that it is going under verification and the money will be credited to my account within 24 hours. I waited until the next day to find that I had still not received anything. I talked to the buyer about this and emailed a complaint to Citibank. "}


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 Citi's checking account since I already had a credit card. Signing up was easy as pie. Getting money into the account was, and still is, a damn nightmare. First, I tried setting up direct deposit. I got the routing and account number from customer service, and gave it to my employer. They got a notice that the deposit was rejected, so I would get a paper check that pay period. I called customer service back, and verified I had given the correct information. Getting a bit annoyed. So I try to mobile deposit my check since I don't have a branch nearby... deposit limit is $500 for new customers. To recap: Citi won't let me direct deposit or mobile deposit my paycheck. My only other option is to mail it in. I ended up using Ingo Money (another annoyance) to put my check in my PayPal account so I could take care of bills."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "Companies that lie and give false information regarding their rights to dispute a credit card charge should be sued for malfeasance and fraud because they seem to imply that the vendor is right rather than taking the time and effort to stick up for the customer. I have been waiting for some time to hear via mail how my dispute is going and Citibank has failed to notify me via mail in spite of the fact that I provided my current mailing address. I currently am out $1,000 and definitely thinking of filing a suit against them for failure to stick up for me - their customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 972a01a1aaf74418898b1656b88fcc2a
encoding: FLOAT32
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{"chroma:document": "I placed a formal complaint against employees on a recorded line on 04/2017 and I was told they will investigate and let me know the results, after a few months I called and I was told that they didn't made any decision yet then I start to call on a monthly basis but I received same answer! On October 2017 I start to ask a copy of the script. I was told we will make a request. NEVER received. I called end of October then November & December. The answer was the same. They will make a request and they didn't make any decision yet and whoever answer the phone says they can't contact that dept. only email request and I asked if I could speak directly with them. They said NO after I was mistreated by Citi employees. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ea78ae1f0a9490bb00eb6db8ad963aa
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{"chroma:document": "I have been a Costco customer for 20 years and I really dislike the Citibank Credit Card they transferred their members into. I also feel that after they did that they stepped out of the picture and want you to complain to Citibank. Not them. I handle all the bills in our home. My husband wants it that way, so he has made me an authorized user on everything. When Costco had us with American Express all I had to do was pick up my home phone that was registered with them and the recorded message would greet me by my first name and ask what they could help me with, when I said I wanted to make a payment and I was transferred to a live agent to do so."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41f1915640454800b3227b95ca99c478
encoding: FLOAT32
metadata:
{"chroma:document": "I just returned to live back to the US I was a client of Citi year 1999 to year 2003, never had a great experience just because it is popular. I recently came back and went there to open an account one for me one for a new corporation. My new company designs in the USA and manufacture in Asia. I deposited a personal check to open the business account for 5000 Us dollars. The purpose of that was doing a wire transfer of 3700 US dollars to China and leave some rest in the account. I was indicated that I can perfectly do it over the internet. So I did it. Transaction was not approved but also went to the fraudulent department. So next day I went to the branch with my id and ask them if they can do it. They said it is the same. They need to verify things so is better I go home do it there and keep waiting on a call. I did it so. Transaction again was rejected so I called to the fraudulent department. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ffc4ad5ffe8d47cfb7965381682a6209
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{"chroma:document": "Gave Citibank my correct banking information and they claimed the bank kept rejecting the payment. The money was in the account. The bank says they have no reason to reject the payment when the money was there and that they were not the ones that would gain. Citibank charged return fees and other fees even though the account number, address is correct, and the funds is there. Talked with both Citibank and my bank. I honestly tried to make the payments over the phone with both companies. Citibank also refused to drop the return fees. My payment was timely. This happened two months in a row. Illegal fees are being added to my account. Scam. Citibank is the only creditor that has this problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72f6c89acbbd4b1ca7aedacf919a9f63
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a member of Citibank for the 9 past years but few weeks ago they closed all of my credit cards accounts, and a checking account for no specific reason. Only thing I got from them is the letter, after my account already were closed, that stated closure of my account without specifying a reason. I never miss a single payment and always kept my balance low on all credits cards. And now my credit score is ruined by the CITIBANK (credit score was 790 and now 640), and the most upsetting thing they don't care, at least they should tell why they are closing accounts. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a354230ec1b54f5ca949d5ea2f0a8b89
encoding: FLOAT32
metadata:
{"chroma:document": "My first review of Citi Card CService for 7 yrs.They are good to you as long as you don't use/ask for their so called \"beneficial\" services, like personal consumer protection, but just pay your bills. I filed a claim to reverse the payment of $96 to AirBnB, that supported a dishonest host, that ran a roach-fested apt, when I canceled my reservation within an HOUR after booking. Citi Card (I have two CC accounts w/ them), after I submitted email with cancellation details, dragged for 2 months w/ their response, after emailed me that they won't reverse the payment from the merchant because I \"agreed\" with their cancellation policy. Sure, if I didn't, I would not be able to book to begin with. I didn't have time to read horrible reviews about that host property, which AirBnB chose to ignore for months. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca3ac1b7285645d2b99b591f6441b33e
encoding: FLOAT32
metadata:
{"chroma:document": "OMG. I HATE, HATE, HATE Citibank!!! Their fees are ridiculous, and their customer support - well, what a joke. I've been a customer for 2 decades and they still charge me for every little thing. For reasons I won't mention, I can't close my darn account with this horrible bank for now and need to put up with their crap. I would never EVER open an account with these crooks ever again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc513b67f0924d7880cac009db7a2db4
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank is one of the most unethical companies I have ever dealt with. Entered into a settlement account and paid my balance in full (as I was told by 2 representatives). Then they call back to tell me I owe more. Do not do business with this bank... Use a credit union."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f64fee4270224c8fbb3e9f29bd9d1507
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an online account about 3 weeks ago and I am still trying to get online access. I created an online access with my original info and few days later wasn't working saying they have a problem and try later. I tried for days and the same issue. I decided to call and they said I had to create a new account with the new ATM number. I told her I didn't have it with me and she said that is the only way to create my new account. I got my ATM card and decided to start the online process... the Pin was wrong and I called again. After 25 minutes the lady told me I didn't have the pin and I need to go to a branch. I explained to her that I opened a online account because I didn't want to go to an any branch. She said that was the only way. I said if I go to the branch I will cancel the account... that was fine with her."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ff569a78a1b471aa1c1961a117ecaad
encoding: FLOAT32
metadata:
{"chroma:document": "After 3 and a half year with Citibank, they sent me a letter and closed my account. When I asked for the reason, it was a very stupid silly reason. I will never use Citibank in my life. I use big banks and never had any issue. I will never recommend Citibank to anyone. If you want to wake up in the morning and find out the bank sent you a letter saying they will close your account, then choose Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a220ebbdf96343c2bfdaf4dfc2fb9dcd
encoding: FLOAT32
metadata:
{"chroma:document": "Someone stole my identity, called the Citibank call center, used my information and transferred all of my money out of my checking account, into a linked Preferred Money Market Account. Then, opened by phone, a joint savings account with me. Moved the money from the Preferred Money Market into the newly established savings account. That person then went into a branch and withdrew the money. I did not receive any alerts, no one from the bank checked with me if this person should open a joint savings account with me and there was no alert when the money went missing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb090cb5a03a4827bfa29423d9e59aa0
encoding: FLOAT32
metadata:
{"chroma:document": "I called \"Existing Customer\" phone number assistance and someone with a foreign accent answered. It was like explaining into thin air. He did not listen and just rattled on like a recording. I checked if he was a recording by asking a question so I found out he was a real person. I tried to explain my problem but he wasn't listening. I emphatically said \"LISTEN TO ME\" in order to get to him, and he hung up. I have had many occasions to call Citibank support because their website never worked for me. I am not exaggerating that I have been calling each time I try to log on. I do all my businesses online and access many websites and only the Citibank websites give me trouble. The irony of this is that I want to pay my bill. So what I will do is stop paying and just wait for them to take notice and contact me directly. I am glad that Hilton Honors is now being taken over by Amex. Perhaps it will be better then."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72aa073deaba43c5bf40725742888756
encoding: FLOAT32
metadata:
{"chroma:document": "Home Depot uses Citibank to issue $100 Visa credit card for damaged freezer delivered in Oct 14 2017. Due to damage on the appliance, Home Depot agreed to issue a $100.00 Visa Gift Card through Citibank. Yet Citibank has not processed two times and want to take another 30 days to do so. It has now been over 8 weeks, and Citibank cannot tell is if it will be issued in 30 days or not. I give Citibank on a scale of 1-10 a Minus 0 ZERO!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0965b62887242989617c8b3cbc0c7f6
encoding: FLOAT32
metadata:
{"chroma:document": "I had 6 charges of fraud on my card recently. I called and spoke with Agent #1 on Sunday. She assured me they would file this with their fraud dept and have a new card to me by Tuesday, via FedEx. On Monday I spoke to Agent #2 about the additional charges saying I spoke to the company who submitted the charges myself and to make sure they were investigated. It's now Thursday and no card. I call and speak to Agent #3 who said it will be 7-10 days before card goes out. Asking to speak to a manager, the manager said it would be mid of next week before card will show up even though it is still in the warehouse and has not even been mailed yet!! I also have no level of comfort that the fraudulent charges will be removed. Their customer service team needs additional training."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66c206d578124565b788130d9333145b
encoding: FLOAT32
metadata:
{"chroma:document": "Don't bother with this bank. As a new US resident, they gave me hard time opening an account and a secure card. Their staff is hardly professional. I should've checked the reviews online before going with Citi. My friends went through similar journey with other banks and did have any of the issues that faced with Citi. Don't bother with them. Their internet banking looks like something from the 90s."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c53ce438aff642efad85baec78f411d9
encoding: FLOAT32
metadata:
{"chroma:document": "They have such a miserable system that I stopped using my credit card with them for some years. I kept it as a backup, primarily because I have a lot of points. I recently needed to use it again, but couldn't find it, so called the customer service. Punched in my ss# 4 times, answered a string of security questions. But they couldn't verify my ID because I have a new phone number now that is different from the one they have in file years ago! Can't replace the card, and can't close the account until they \"investigate\" the account, which has no definite time frame. Stay away from this bank. From online account access to ID verification, they are the most incompetent bank that I ever dealt with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f67d49f0ae6d4d64887a8d2b2cfd8cba
encoding: FLOAT32
metadata:
{"chroma:document": "Their phone centers are staffed by failures who are unhappy with the totality of their lives and express it through the tone of their voice when talking to you about how to open a checking account. Due to an unsatisfactory chain of phone transfers that failed to resolve a mistake they had made regarding my checking account, I have stopped paying my Citi credit card bill entirely as a punitive measure. When they call weekly to remind me to pay it, I will now tell them that when they go back and listen to the recording transcripts of those phone calls, track down the problem, and make it right, then I will consider starting to pay the credit card bill again. Otherwise, they must not want their money too badly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c713fa16f064cafa65c5cddd8dd72de
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Costco Citibank card for the rewards and extended warranty, the credit limit they gave me was extremely limiting compared to other limits ($10k vs $27k for Discover, $24k BofA, $20k Chase, even another Citicard is $18k.) They said don't worry, I can get an increase when my card arrives, however they now want to pull my credit report (hard pull) a second time in 7 days for the credit line increase. I am going to not accept the terms of service so the account disappears from my credit report, and cancel my Costco membership (Costco did nothing wrong) Citi is horrible to deal with, credit supervisor even said the \"credit system is messed up\"... And this was the credit supervisor. I will probable end up canceling my CitiAA card because of this. RUN away from Citi"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9195a3f9eeb45ec851d09bc8ec1c98d
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metadata:
{"chroma:document": "We've been with Citibank for over 17 years and they sold our mortgage to Mr. Cooper. Why do banks do this?! I don't know this company, but from what I've read here, I expect problems immediately. I've always done my own escrow account, never one late payment, paid off four mortgages. Seriously this pisses us off!!! Now I have to 'trust' that my balance going forward is correct, I have to 'trust' that Citibank forwards my payments correctly to Mr. Cooper, I have to 'trust' that Mr. Cooper isn't going to demand an escrow account, I have to 'trust' that all my end of year information is correct and handled in a timely fashion. Next mortgage will never be with Citibank and from what I can tell, not staying with Mr. Cooper for long. I'm opting for a local Credit Union so the money goes there and stays there and supports my local community. You wonder why people hate banks and mortgage lenders? This is why, quit buying and selling mortgages you greedy B's!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0f66090669445f0ba1319e36c89c896
encoding: FLOAT32
metadata:
{"chroma:document": "I have been downloading my statements monthly to review and check against receipts. Now they have changed the download so I cannot edit these statements with comments or highlighting. This makes reconciling purchase receipts much more cumbersome. The document says (SECURED) and I can't change it. I called Citibank and they have made this change on purpose."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e81157a1f6df4c5fa16357f02abbe035
encoding: FLOAT32
metadata:
{"chroma:document": "Called regarding charges that were fraudulent. Operator said I needed to pay them because I gave trial offer authorization, called back different operator took care of. Had fraudulent charges - took 2 weeks to get replacement card sent to wrong address, then never shipped to correct address when notified. Called back today about another incident and got operator with poor English, not the first time, finally got so frustrated just hung up. Customer service plain sucks! Going searching for other card options. Just not worth the headaches. Used to be great to deal with last few months. Customer service has been bad in my opinion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1abfa32638d4143af7112eab473ee54
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank stole three of my credit cards. My Chase card was tracked back to the Citibank office in Maryland and was being used at Citi's main office. My Capital One credit card was intercepted by Citibank in Topeka and was overdraw. That was a 20,000 limit card. I've talked to at least four other people this has happened to. They intercept the codes in the mail and reorders them back to Citi as their bank cards. I'm out over 65,000 with my last Barclays card they intercepted. Someone please help prosecute these **. They get away with it because they redeem the cards into their institute, Help please."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a50c5636bda45d78f89c8a91f1e4083
encoding: FLOAT32
metadata:
{"chroma:document": "Similar to the msg below recently posted by Jan, Citibank closed our savings account due to inactivity. We received a letter from Citibank, so we went down to the local branch and used an ATM to deposit money. But we deposited into a LINKED checking account whereas Citi requires activity in EACH account. If you have two accounts with Citi (a checking and a savings account), Citi will close your saving account even if your linked checking account shows activity. Citibank never called us on the phone or sent us any email, they just sent a letter and then closed our account. When we called them, they told us we needed to have a transaction but never told us it had to be in THAT account as opposed to our other, linked account. We now have to figure out how to get the money back from some state agency."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd3da3cba03a49279b16423d60b625d3
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Citi card with a decent limit up until about 5 minutes ago when I closed the account because their customer service is terrible. I have had the card for years and have paid off the account in full. My disappointment stems from the foreign customer service rep and the system in which they deal with fees. I had a domain renewal charged to the card which had a $0 balance at the time and I did not realize that card was on file so I was late to make a payment. $105 in fees later, I respectfully requested that one of the $35 fees be credited and I would pay the rest in full."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71180deeb0964dadb4a3959020bab5a9
encoding: FLOAT32
metadata:
{"chroma:document": "New customer to Citi. Deposited my paycheck last Thursday, still no available funds. They gave me $10 available out of my check. I understand I have a new account, therefore they hold the funds longer. But come on!!! A week and still cannot use my funds from my paycheck is very frustrating. Can't pay my bills, can't eat, cannot afford to do anything. What really grinds my gears is they told me it would be available today AT THE VERY LATEST, guess what, it's not. I called and all they offered me was an apology For receiving Incorrect information. Screw Citi. I'm closing my Account and going back to US."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd30084f07754111958ec839e741cc6d
encoding: FLOAT32
metadata:
{"chroma:document": "Last night 10/23 I received an email from Citi entitled Notice of Account Closure and for me to go online and look at my account for a notice. I did this and nothing new was on there. So I called Citi customer service. I was told that since I had not used my account in 24 months that it would be closed if I didn't use it by 10/28. On 10/24 I decided to use my card but decided that I better look at my account online again for any messages. There was a message on there this time that my account was closed. So I called customer service again and talked to a manager. The manager said that the account was closed but that they would be glad to take information from me and review it to see if I qualified for a new account. This really made me mad. But I reluctantly gave her my full name and SS#."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28dde97d986749039b259500d734457e
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metadata:
{"chroma:document": "My overall experience from Citibank has been unpleasant can I get so frustrating when you want to solve a problem with customer service you have to speak to a foreign representative because they're too cheap to hire people in the United States to handle their affairs. Heaven help you if you don't have a checking account because no representative in the banks will talk to you because they claim they can't access your information. My recommendation bank somewhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3819e77d9ae549ab9e392e35225e875c
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank played a very big part in ruining my credit. I was a customer with them for a very long time and in very good standing. Last year I was diagnosed with a brain tumor. As a result of having this tumor, I unfortunately got behind in a couple of payments. I had been making these payments for years without any problem because my credit was extremely important to me. After my surgery, I immediately got back on track. Citibank didn't care about my circumstances or the fact that I had no control over falling behind (for a brief time) or that I had been with them in good standing for so long. A company that does not care about their customers is not a company worthy of doing business with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9043451f6084afba52a2b9385c7fa9a
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{"chroma:document": "On 10/1/17 I made TWO separate payments to Citi via their online app. I only received one receipt reflecting one payment but my bank withdrew the TWO payments so I was fine with it. BIG MISTAKE. There was an enormous amount of confusion to follow and it took me calling 6 times over the course of 8 days before someone at Citi actually took the time to investigate. Her name was Charlie and she was wonderful. I'll get to that in a minute. I called Citi on 10/4/17 when I noticed that though my bank had sent two payments on 10/1, Citi only reflected one payment. In total this call took 45 minutes to review and explain. I had to verify my information 3 separate times. I was told all I needed to do was send over the two separate Trace numbers which I did within minutes. I was told my account would be credited pending investigation and that this issue would be resolved by Friday (10/6)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79004d7e16354737b43df2e6b0225cde
encoding: FLOAT32
metadata:
{"chroma:document": "I prefer to do all my banking online. I use Citibank's inter-client transfer, and I both send and receive international wire transfers several times each month. I have found that with almost 100% accuracy, the online banking site will stop working for me after I've done a few things; it's *extremely* rare for me to be able to do more than 15 minutes of tasks paying bills and such without it ceasing operation. At that point, the only solution is to restart my browser. I typically have lots of Windows open so this is incredibly disruptive; Citibank has made no effort to fix, and simply advises me to restart the browser."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c1802c6594b4f0584924f602c88d5cb
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metadata:
{"chroma:document": "I have been banking with Citi for 16 years and never had issues until the last 6 weeks. They started holding deposited checks for up to a week when before the funds were immediately available or at least the next day. They contracted with Zelle to send and receive money. My renters never had an issue until Zelle, wherein now payments are cancelled with no notification to the payer or payee. I had a contractor at Home Depot and they called for my card information. It was declined as possible fraud. I responded to the text that it was not fraud. It said my account was available again. Called and tried again, declined. Called the automated system and there was still a fraud hold. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53c996ec229d4c77aaefc28e81dd9b92
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{"chroma:document": "I had referred two of my friends for the credit card, there was no response from Citibank team, after sending reminder mail from my end, (CITIBANK) they had responded and verified my friends' documents. After that they told they will issue the card within 7 working days. Still they had not issued. Hence I feel this program is just for name's sake."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79bcb37f2632463090987c0138c93684
encoding: FLOAT32
metadata:
{"chroma:document": "I have a credit card with Citibank. This month, they have made innumerable mistakes, causing untold hardships. First they locked my cards for no reason. I had to call to unlock it. Their customer service was totally ignorant with foreign reps. Also, the supervisor was very rude. Then I could not get online. Then I was told to re-register. Why? This is the worst credit card in the world. Stay away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I applied for the Costco Visa card. I was told it was too soon by just a couple of weeks before my two year mark after BK discharge. The reconline which here they say doesn't exist but their phone # is: 800-695-5171, said to wait a little bit and call back. So I did and got told the same thing, \"Wait just a bit more.\" So I became frustrated and wrote to the executive office email. What a joke. They speak like robots and don't listen, she just kept repeating herself over and over as if she had no clue what I was talking about. Citibank doesn't help people, they hurt people. My husband passed away and my world went down really quick. I worked very hard to get to where I am now and I spend hundreds at Costco every weekend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06b16ccaea2548939ea31831a71277a0
encoding: FLOAT32
metadata:
{"chroma:document": "On Friday morning, 9/8, I woke to see over $1,000.00 had been transferred out of my account using Zelle, a product created by a company called Early Warning Systems that is forced on everyone with an online account. I had not set up a user profile, yet, I received a confirmation via email at 1:51 AM that one had been successfully created. By 1:53 AM, $1030.00 had been fraudulently transferred out of my account. Numerous phone calls ensued thereafter, to date, approximately 18. It is now 9/14, Citi has still not replaced the funds. My rent check has now been returned after multiple phone calls to force it through now causing a problem with my landlord. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1274be95099048dc9e6925a0d03f36ee
encoding: FLOAT32
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{"chroma:document": "There are two issues related to this Citi product: Although with this account, Citi supposedly waives the 3% fee for withdrawing money from a foreign non-Citi ATM, they, in fact, do not. In simultaneous tests with Citi versus NY Mellon, Citi keeps the 3% and NY Mellon refunds it within hours. The exchange rate normally charged in making purchases or ATM withdrawals in foreign currencies is the Interbank rate +3%. Citi charges between 22% and 25%. They have claimed that this is because of the ATM owner or the vendor. However, simultaneous tests with Citi vs. NY Mellon showed NY Mellon only charged 3%. Citi will not disclose to me their foreign exchange policy and the Terms and Conditions utterly obfuscate the policy. If you spend a lot of time overseas, as I do, this kind of gouging behavior seems nothing short of criminal. The fact they hide the particulars is especially bad. This policy makes them 10's of millions annually, I am sure."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f266791feb1f4c8999a38cfc21f6540e
encoding: FLOAT32
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{"chroma:document": "In November 2016 I filed a fraud claim against a company in California. The person who took my complaint Lia, gave me Case number **. She incorrectly charged the wrong company, Ali-express with fraud. A few days later when I found this out, I called Citibank and talked to Darnene who I reported this error to and again named the company for which the fraud complaint was intended. Darnene assigned me case number **. I assumed at this point that now Ali-express would be paid since they were not the company I filed the charge against. I received a letter from Citibank asking if I wanted to drop charges against Ali-express in March, 2017. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0ebb61f6b9b4caeabb887fe489b2804
encoding: FLOAT32
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{"chroma:document": "Who would do this and not CALL their customer? This is poor customer service. I cleared my account and had an 85.00 balance in my checking. I went out to eat at a restaurant and found my card was blocked for a check that was PAID for. No one called and the bank will be closed on Monday. I also have a Bank of America account and have never EXPERIENCED service like this. I am changing my Direct Deposit account. Thanks Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92326838da2548658e7adcc7eee5e873
encoding: FLOAT32
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{"chroma:document": "Here is everything that happened. I had a Citi Forward card getting 5 points, but that got changed. I signed up for a Premier card in 4/16, expecting bonus points. I called in May to confirm I will get my points, they told me no, and that they have the right to deny the points. I cancelled the card because I didn't want to pay the fee. I left the issue alone, but recently saw the new offer for Citi Prestige. I signed up for the Citi Prestige. I called in to confirm they will give the points, they said no again. I pushed the issue, and they said that because I closed an account in the last 24 months, I don't qualify. I said I didn't get any bonus points on the Premier card and explained the issue. They told nothing they could do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 320eb7da620648be8199796c2f5d488e
encoding: FLOAT32
metadata:
{"chroma:document": "Have automatic withdrawal from my checking to pay Citibank equity line monthly. Recently requested due to new employer to stop auto withdrawal as employer mailing paychecks. They placed a note in my record, but failed to place the actual stop. Consideration is they felt I probably had enough money and they wanted it whether it was in my plans or not. They have offered to pay the overdraft fees they caused, but my reputation is tarnished for not being astute enough to know that this would occur as far as the bank and creditors are concerned."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 513c1a19f6864b858072c5f309d94dba
encoding: FLOAT32
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{"chroma:document": "I got a letter from Citibank regarding my Home Depot credit account. It had my credit card information on the letter. However, it was addressed to me at my son's address. I have never lived at my son's address. The letter was about me being enrolled in a Balance Protector program that I may not have consented to. What kind of place is this? They send my credit card information to my son's address. Who else did they send it to? They enroll me and supposedly charged me for a program that I didn't authorize. Someone needs to investigate them. No wonder there's all kinds of banking fraud happening nowadays. I called and no one there knew anything about what I was telling them and had no idea how my address could have gotten screwed up with my son's address. They even said I didn't even have an account with them -- even though I have a credit card in my hand with the same number as the letter. This is just wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96744fa3ad334cb2bbf1e8a9850b22de
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Citi, for almost 3 decades, I've recently experienced losing my job after 35 years. I asked my local manager Bernice to look into reducing my loan for six months, from 338 to 170 or so. She said no. Even after I turned in all my bills which add up to almost 3500 a month just to survive. Instead my note was moved to some RUDE person named ** (at marbach & 410). ** said I wouldn't answer, although I kept leaving messages, I made a payment at another Citi, on both accounts Mr ** said I never did. I faxed him the copies, he said OH (no he understands). So at last conversation. Mr ** said \"ok now I see,\" and I explained. I'll be there august 29 or 30, he said ok. Now the 22 of august my wife broke her arm. Citi ** has called almost 10 times. Geez wtf is wrong with this guy??"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 259738c063924b959db82bdf4c805aae
encoding: FLOAT32
metadata:
{"chroma:document": "I will say one thing. I spent over $4,107 to pay off that credit card that was only a $1,500 credit limit. When I was 18 I opened up a credit card, could not afford it, was jobless. Now that I had a job I paid off the credit card and two sums totaling up to 4,000 $100. Now I just get something in the mail after paying everything off saying that Citibank which is also known with Sears is trying to charge me again $4,100. This is BS. I think I may actually take you guys to court."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01bdae6c1e2e4ff2ab2a94feabd65b7f
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank credit card is one of the most cheated. They will tell something & do something else. They have offered me credit card on my birthday & convinced a lot to me by such good offers, but I haven't got 50% offers. Offers gave by them was: Credit Card is totally free. Once you will get credit card, till two months, \"No interest\" will be Introduced. Above two statement was false, I thought for two months it\u2019s free, so I can use it. When I started using credit card, just for the 1st month, no interest came to me while in second month, they started putting interest. When I spoke with Customer Care Staff, no one responded properly. Staff will not sort-out the problem, they will start explaining their policies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 922df539440e4a6a891cefebc30d567f
encoding: FLOAT32
metadata:
{"chroma:document": "I was very upset when Costco switched from AMEX to Citibank. I had an AMEX card for over 25 years and always found them to be very consumer friendly with an excellent website and great benefits like travel, etc. Right away the Citibank card was difficult to read. They seemed to hide information on purpose and I decided I would only use it at Costco because I am forced to use it there. Unfortunately last month I used it for a little more. My balance was $2550 and change. I made a payment of $2500. $50.00 shy of the total balance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2655b65e8414485bf9612d4c1ae379f
encoding: FLOAT32
metadata:
{"chroma:document": "We have been with Citibank over 35 years. They have never let us down in any way. We have savings, checking and two credit cards with them. Their customer service is top notch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ca4181f0509a48eea84de6e1025aeecc
encoding: FLOAT32
metadata:
{"chroma:document": "This bank does not help at all to their clients, with the programs available, to refinance the house. They just said, \"Sorry you don't qualify, that program is not for you,\" even if the client has the tools that said he does qualify. They keep us from one department to another and nobody wants to help. I had experienced this trying to get help with the HARP program. This is one of the worst bank I ever had done business. Also their personnel doesn't return your call when we leave message. And we have to keep calling for hours and days just to hear the same answer and no options at all. I have months trying to get help with them and nobody wants to work with us. It looks like they practiced that to have the client lose their properties."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e892e1c1f4d4e1d92f1956ac466c2fb
encoding: FLOAT32
metadata:
{"chroma:document": "Everyone of the bank's officers for the twenty plus years I have been a customer, all without exception have provided guidance and effective use of their services for my needs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 137750220fc54c12be0e672d4a24b3cb
encoding: FLOAT32
metadata:
{"chroma:document": "In March 2017 I took advantage of a CITI promotion incentive that required an account to be opened, and the funds to be kept for 90 days. After 90 days, CITI would make a 1% deposit to the account. Seemed like a good idea at the time, but turned out to be a nightmare when trying to make a withdrawal. Had visibility of the deposit for approximately 3 days after opening account and then had no visibility or access. Follow up inquiry response \"Would not have visibility until debit card issued\". PIN info for my wife arrived in mail which had been mailed 3/07. Called CITI and was informed that card had been mailed, but I had not received. Another card and PIN sent on 3/25 via overnight. Received box of checks with all documents located on bottom of box underneath checks. Did not plan to write any checks so just put box aside. My error!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c3a4c71cb35496489cdb9b1e063725f
encoding: FLOAT32
metadata:
{"chroma:document": "I would like to share a recent experience with a Citi credit card account ending in **. Issue in short: \u201cIn July I had made an airline ticket purchased for $1050.00. However, the trip to India was then cancelled because of personal health issues to my dad. The airline then refunded $600.00 because of cancellation from $1050.00 that I paid. So Now I have a CREDIT balance of $600.00 on my account.\u201d The account charges were paid in full and I had a $0.00 balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c7e88ef4cfb4a978ab9abfde97dfde6
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citibank Diamond customer for YEARS. This year, we moved across the country and in the chaos I missed (for the FIRST time) my monthly payment. I noticed the error a few days later and called in and made the payment over the phone. A few weeks later, I get a letter in the mail that I activated a penalty Apr of 29.99% by missing my monthly payment date. I called in and requested a courtesy reinstatement of my previous Apr and Citibank refused. I shredded the card, took my business to Discover and forgot all about Citibank and their nonsense. Today, several months later, I get a letter in the mail, that YAY, they have increased my credit line significantly!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d74240dc357e45dab54f05cc87c1a0ab
encoding: FLOAT32
metadata:
{"chroma:document": "Seniors who expect to have a POA at some time should RUN! I have been POA for several years for my aunt. I can't so anything. I can't get statements, tax info and I can't get Investments to transfer money into her checking account to pay her nursing home bill. They insisted a pay to overnight the 5th POA to New York and 2 weeks later, no one has done a thing. The investment guy says he wants to send her a letter but he doesn't know her address and won't take it from me. This bank has been sending the statements to the same retirement home for 18 years. I gave the investment guy her phone number but he insists on calling a dead line. He won't answer the phone when she calls. Charging her for this incompetence is CRIMINAL. This abuse of the elderly needs to go public,"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b767ff27b39d4fa0843818eaf2a0c0e3
encoding: FLOAT32
metadata:
{"chroma:document": "Without proper investigation or even any attempt to justify transactions, Citibank sent us letters stating they were closing ALL of our accounts. The fact that our business account had a 10 year history with them was not even taken into account. Apparently loyalty and relationships with customers means nothing to them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee90c8d258bb44fd9c8f46dd63142cd1
encoding: FLOAT32
metadata:
{"chroma:document": "After my husband filed Chapter 7 Bankruptcy we have received a letter from the Vice President of Citibank G. Goldberg (CITI P.O. BOC 790040 St. Louis. MO 63179-9819), who stated that he sold the account to the \"investors\" Sherman ** LLC c/o Resurgent Capital P.O. Box 10497 Greenville, SC 29603 and they will attempt to collect the money. Mr. Goldberg says that he follows the law and that he is not going to violate any provision of the United State Bankruptcy law, but now the new \"investors\" will start to \"collect\" the money. I found that Citibank had a lawsuit for the same reason during 2015. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce7150fa18f245079dc8f97c4eceda5a
encoding: FLOAT32
metadata:
{"chroma:document": "Was approved for a Shell a Exxon and Home Depot credit card in May. Went to use Shell card in July, did not work. Call customer service and was advised all 3 cards were closed. When asked why, stated had too many credit inquires but they approved them and I had not had any other inquires since. They\u2019re crazy company. Not trustworthy. Someone should shut them off. They discriminate very badly. I will be praying for the people that make the guidelines for this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72d04ef184bc4bcc8e7d38d16fe28cb4
encoding: FLOAT32
metadata:
{"chroma:document": "I would not recommend opening any accounts at Citibank. Citibank was running a $400 promotion to open an account if you deposited $15,000 and kept it there for 3 months. I went in to open an account at a Citibank branch within one day of seeing the promotion online. When I walked in to open an account, the first words out of my mouth were that I was opening an account because I saw the $400 promotion online. The banker and I literally talked about what a good deal it was. We also talked about how soon I would need to deposit the money to earn the promotion amount and how long it would take for the bonus money to hit my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64dde9ae73324cda85cf5fb213b05961
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank issues credit cards on behalf of Best Buy and other retailers. I had two of them. One was an NTB card and the other a Best Buy card. I paid off the NTB card in full and plan never to use it because it is a Citibank card. I had a dispute with Best Buy's Geek Squad where I was lied to and made to spend on fixing my machine where I finally had a machine that was returned to Windows 7 when it had Windows 10. On their advice I also bought a wireless card which I was told was not necessary. I opened a dispute which is not being resolved as Citibank does not want to commit in writing why the dispute was resolved in Best Buy's favor."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f74e080832484aa4a7b413a602723802
encoding: FLOAT32
metadata:
{"chroma:document": "Does it have to be a nightmare and stressful situation to open a simple checking account? Several times I've waited to receive my new account package which was assured to arrive in the mail 7 to 10 days! When I called to see the status my account was never found! That should have been indication this place is a joke! I had to go into the bank to complain to manager my experience which he was understanding! After over a month I received bits and pieces of checks but no card! That was another can of worms! Another 7 to 10 days! Today I find out that the $4500 that I had deposited Mon now Thurs! Due to server difficulties accounts won't be accessible till this weekend! That's funny. They're closed on weekends! Citibank you'll be closed permanently!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da177bb37c2a436381f058869c95fb9d
encoding: FLOAT32
metadata:
{"chroma:document": "I wish zero stars was an option. I switched from a local bank to Citibank because I travel internationally and needed a bank with international locations. The customer service at Citibank is terrible. The people are helpful when you eventually get to speak with them but the bank consistently provides insufficient staff to handle customer needs. Every single time I go to the branch I have to wait 10-15 minutes to see a teller and 30-60 minutes to see a banker. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf7b273faeef4b1ba6090e5a025bda21
encoding: FLOAT32
metadata:
{"chroma:document": "My payment was 10 days late. I advised Citibank that I was unemployed and benefits ran out. After sending message to that effect, they responded with the charge was valid and would not be waived. I explained that I wasn't questioning the validity but requesting courtesy to waive late payment (customer for almost 10 years). I was advised by a heartless SOB that it is against their policy to positively assist their customers. Funny thing, Synchrony Bank was able to waive the fees from both of my Walmart cards and my Kohl's card and Capital One even assisted me with reversal of TWO late fees because my unemployment ran out just before their due date. That leads me to believe it is Citibank's rules and not those of the banking industry."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d9a3267662b4f04a89b25c4c265f5ac
encoding: FLOAT32
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{"chroma:document": "I have been working for my company for 18 months. My salary has been processed the same way in all that time. Last month, Citibank did not process it. Citibank said it was the fault of my employer. My employer confirmed that it has been processed exactly the same as usual. They showed me the details. Citibank could not confirm what had happened, only they could not process my salary in the allotted time, so it was rejected and sent back to my employer. My employer said that they have not received it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e342c0ac4ee42c585559d78762d0f6c
encoding: FLOAT32
metadata:
{"chroma:document": "I recently had fraud charges made on my credit card. They were flagged but somehow I wasn't credited for both of the fraud charges made. I called a week later to find out why and if now I would have to pay since my credit card payment is due this week. The man who didn't speak clear English repeated himself 4 times without answering my question. He also got disconnected with me for about 2-5 minutes and laughed when I told him and said his computer was restarting and the screen was flickering. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fe76d3b9371425aa7f4041173f58c59
encoding: FLOAT32
metadata:
{"chroma:document": "A few days ago, I inquired about the status of a check issued by Citibank and the reason why the recipient had not received it after five (5) days. As a result of my inquiry, the agent (located in the Philippines) decided to put a stop payment on this check without my authorization. His actions had resulted in additional charges due to a returned check by the recipient's bank. I may be closing my Citibank accounts in the near future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee7715b0ac19450fbfd305596c74ff7c
encoding: FLOAT32
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{"chroma:document": "Firstly, I've been a customer at Citibank for about 4-5 years now. Let's start off by saying for such a large company their ATMs and bank locations are pretty spread out. Especially compared to Chase. Secondly, another comparison to Chase, when you lose your card they are unable to issue a new card immediately. You have to wait for it to be mailed in. Chase lets you get your card instantly, right then and there. So it's possible to provide that service and Citibank's own personal choice not to. With fewer locations, you would think they would be able to afford to saddle them with the proper printing machines."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 024f79d7873b4398aa3cca0fca4fec7b
encoding: FLOAT32
metadata:
{"chroma:document": "August 2016, almost a year ago I discovered that the fraudulent activity on the Citibank credit card was set up to pay by minimum payments from my business checking account with Wells Fargo Bank. Wells Fargo identified the thief with his name and address and notified Citibank. My Wells Fargo account was closed to prevent any future fraudulent activities. When Citibank stopped receiving minimum payments they reported me as delinquent causing my FICA score to go down from 800 to 619."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63efa0907637476f8a6c6a9120da8702
encoding: FLOAT32
metadata:
{"chroma:document": "The phone customer service is HORRIBLE. I TOLD Citibank I was traveling and to PLEASE NOT BLOCK MY CARD WHILE TRAVELING. Well lo and behold they blocked me like eight times, and usually at my most dire and desperate moment. The worst bit is because of them, I was stranded without any money in a major city. I begged and begged for them to release the security hold so I wouldn't be stranded and what did the customer service agent do? He hung up on me. HE HUNG UP ON ME. I literally had a nervous breakdown in the middle of the city when on the phone with this guy- a full panic attack... BEGGING the guy to please just release MY funds. HE HUNG UP ON ME."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18460f12367d4f829e2c03640ee111aa
encoding: FLOAT32
metadata:
{"chroma:document": "Back in July, 2011 we had open up the custodian account for both of my children checking and saving at CitiBank as same time we also open all our account and there were never a account service charge to the kids' account during those years. We did see some months was charge and it was waive and taking out and some that was no charge but starting back in 2016 the bank starting to charge from the custodian and in same it drain out the kids' account money in there and these are kids that save for the college money. We never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open both of our custodian account has the bank been stealing from my kids account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 515e1d7ebc4b4bbc80971b6f7c741f3d
encoding: FLOAT32
metadata:
{"chroma:document": "I am an 800 plus credit customer that travels extensively. Citibank decided because they made a mistake they would suspend the privilege of using their card while I was on business trip. What an embarrassment and hassle!!! Despite calling them twice they had no sympathy for their mistake!! Appears Costco made an error switching from American Express. Might cancel Costco too! Sam's Club looks like they are seeking members and might actually appreciate customers that pay their bills."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 167de9e1a4f14dd8be1f217efc88682f
encoding: FLOAT32
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{"chroma:document": "Have spent 1 hour of my valuable time on a phone with Citibank, Citibank hired customer service from Philippines. Staff from there DO NOT HEAR AND DO NOT UNDERSTAND WHAT CUSTOMER SAYS. I called 4 times talked to 4 different Reps, problem was not resolved. I lost a business contract because was not able close transaction. Very low-quality customer service. Citibank saving money by hiring people from overseas who do not provide good service (Except saying every single moment ''Sorry mam'') that's all what they can do. On long run Citibank instead of saving will be losing money by losing clients. I will be closing my account and will be moving to another bank. No need extra stress by dealing with their overseas staff."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 524a290ac0214e0d9eabf13f88982a6b
encoding: FLOAT32
metadata:
{"chroma:document": "Was on a business trip in Washington DC, made two purchases from a trusted and reputable parts dealer in Canada over the phone. An hour later I receive a call back that the first purchase went through, second was declined?! On a card that is three weeks old that has a very high credit limit no less. I switched to this card for the AA points as I will be traveling more often on AA now and for this reason and this reason alone I chose Citi. I call the number provided when I logged onto my account and was told that I must provide a phone number that is different than the one I registered with on the application. Given I work from home, travel frequently and have no use for a home phone, that one phone number is all I have. They said someone would need to call me back and that the security hold will need to stay. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5be5cdbb91d048d9b6ae1ae968226ac4
encoding: FLOAT32
metadata:
{"chroma:document": "I was charged $25.65 for being late on a bill of $7.41. The payment was made before it was due but was not posted until 1 day after the due date. The first person that I spoke to tried to be helpful but was unable to have the charge waived. However, the \"supervisor\" that I spoke to was arrogant, ignored what I had to say and was generally unpleasant. I have been a customer of CitiBank for at least 20 years, and have never encountered this type of behavior. Additionally, I was told that I could not redeem the dividend rewards that I have earned in using the card. Great way to do business!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88f7eb0ec2be4930868a70e02bbc3ee7
encoding: FLOAT32
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{"chroma:document": "I long for the days when banking was not such a chore. I have been a Citibank account holder for 11-years. Each year the services and availability of full branch locations decrease each year. The restrictions imposed are more cumbersome and app services are doing nothing to make up for the lack of branches in my area (Northern VA, outside of Washington, DC). Now, I must admit, when it comes to fraudulent matters, Citibank is quick to respond. However, for more routine matters, I feel there is a lack of continuity. While the new training initiatives regularly allow for the representative to falsely administer platitudes of empathy, the words feel empty and lack any regard for the matter on hand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 507bfd0ec28e4cf8ab989329a17d789b
encoding: FLOAT32
metadata:
{"chroma:document": "I have maintained an account with Citibank for years. My credit rating is high seven hundreds or low eight hundreds most of the time. My card had a $14,000 credit line with nearly 14% interest, I maintained no balance on the card because of the interest rate, I have several cards with far less interest. Today I got a letter saying they had canceled my card due to lack of use! I guess if I am not paying them their 14%, they don't want me. My credit rating will now go down due to the ratio of available credit to debt. They have damaged me due to their greed. If there are any lawyers out there who see an opportunity to teach the banking industry something, contact me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc20b8bee5b7418a8ec71ebdd994bb9a
encoding: FLOAT32
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{"chroma:document": "I opened a checking account online and deposited my paycheck through ATM. In spite of my company's bank clearing the paycheck I deposited, Citibank's policy, holds the funds for 10 days. Unfriendly supervisor said this is a policy based on a new client's relationship with Citibank. What a way to establish a relationship with new customers?! Now I'm stuck and all my bills has to wait. Albeit they have the cash, by holding it, they made money out of my own money. I read most of the reviews here by other customers. Got me worried. Customer supervisor said my money will be available on Wednesday, 5/10/17. What I'm afraid of is that like the other customers, they will block my card &/or account without informing me. I'm closing my account as soon as I get my money back and will spread by word this very wrong practice of Citibank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 103df11560f24f44bc96a22740e7da83
encoding: FLOAT32
metadata:
{"chroma:document": "I've been using Citibank for about 2 years and it really wasn't until over a year in did I begin to encounter issues. Mostly with the online website. In terms of using the card I've had fine experiences with no issue. It's just the online website. First issue was in mid-2016 when suddenly I was locked out of my online account even though all my information was correct. I went through the verification process online and password reset service for hours before I gave up and called. The reset system would never send the verification code and just kept looping me through menus. Turned out they suspected fraud and locked the online account? Well, why not have a message that appears saying to call them in the first place? Every message I encountered prior to that implied the problem was my fault such as incorrect name/password. Didn't bother to ever call me or send an email alert that they had fraud suspicions the entire time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3a34f0bd2524a2aaf4c06d98bda1ead
encoding: FLOAT32
metadata:
{"chroma:document": "Worst banking services. In 11/2016 I lost debit card, called and had replaced within days. Forward to 1/2017 when payroll deposited in account. I tried to withdraw rent $$ and ATM declined. It took me over an hour and 4 calls to customer service to get unblocked and my money. Issues with ATM withdrawals continues every payday from 1/2017 - 5/2017. Every payday I had problems and many calls to get my money... Then rep began (2/2017) stating it was occurring because of security issue and account flagged. I questioned why and I never had any issues. Always told \"We can't give you that info, it's policy\". Upset I've been as never receiving any info about security issues on my account but told otherwise without answers is disturbing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d906fa7014c44e84acda9fa4235b982a
encoding: FLOAT32
metadata:
{"chroma:document": "I receive a credit card solicitation about once a week from Citibank, and have for about 8 weeks. I have written at least three times, telling them to quit sending me their solicitations. It feels like they are harassing me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f8f4cdbe61d45bca29488033666c449
encoding: FLOAT32
metadata:
{"chroma:document": "I received the fraud alert warning - just voice message. I was trying to reach the number provided. Waiting for last 45 minutes. No live connection. For last one year, I am ending up spending at least 30 to 45 minutes for simple issues too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 922fd18904804e6b94e7e14837fd26d2
encoding: FLOAT32
metadata:
{"chroma:document": "Paid account in full on due date 4/14/2017. Citibank deducted from my account that day and sent receipt reflecting zero balance. New billing period started 4/18/2017. I was charged 30.00 interest on a zero balance. The lackey mumbled something unintelligible to justify. Even said if he were me he would also see why this made no sense. Which it did not. This is called STEALING. CITIBANK IS RUN BY CRIMINALS, THIEVES AND LIARS. THE SAME JACKASSES WE ALREADY BAILED OUT. Don't do business with these cheats. You too will have your money stolen sooner or later."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6da7c4666279495bb19875f76f6ce34c
encoding: FLOAT32
metadata:
{"chroma:document": "Not only does Citibank charge a fee for foreign transaction, they block the card when I travel abroad. I am a physician that does a fair amount of international travel. In China while buying flowers in a very large establishment, the card got refused! Flowers??? The morons at Citibank have not figured that card thieves don't use the card for flowers??? To add insult to injury, their truly idiotic process alert you by email! Great! Half of the world use Gmail and of course Gmail is not available in China! Excellent system! Anyone at Citibank travels?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56b00a6892a545c296b1ac641c1590e2
encoding: FLOAT32
metadata:
{"chroma:document": "Folks If you have a Citibank account & for whatever reason it was under a balance that did not meet the requirement, there is a fee you will be charged. If you meet the criteria after you were charged, the bank kept charging me the service fees until I called them only to find out they had made an error. Usually don't check my bank account details but glad I did. Citibank customer service was incompetent & took her 30 minutes to figure the error. Citi at its best... NOT."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c858402a644347ab8b611b2a6cf9fbf2
encoding: FLOAT32
metadata:
{"chroma:document": "So I missed one payment due to my son being born and in the NICU for 10 days. I paid 2 days after my due date and asked to waive the fee, obviously because of family matter. Their manager ultimately would not waive the fee despite that I have had no late payments. Guess a perfect record does not matter with them. Will be closing my account. Just terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abdafb75b9414e55a7cd62aee682b8f4
encoding: FLOAT32
metadata:
{"chroma:document": "Applied for a Citibank card, was immediately turned down no explanation. Called customer service, was hung up on twice and then transferred to an auto line giving absolutely no good reason for being denied. My rating is above 700 and I clear 48000 a year. I have several different cards from Amex to Discover all paid on time and never maxed out. What a crock."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 597a3003b9554ae089424fb88bbc1313
encoding: FLOAT32
metadata:
{"chroma:document": "We found a promotional offer of 400.00 if we opened an account and deposited 15,000 within 30 days. The process would then take 90 days to deposit the 400.00 promotional offer. We started our application October 17, 2016 online because we do not have a branch near us. We sent in application, but they were not able to verify myself (wife) since it's a joint account. I thought it might possibly be my expired DL, because they were asking for a picture ID. My husband sent in the picture ID via fax. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d0f0430f8684277ba8f8d20ebf843b9
encoding: FLOAT32
metadata:
{"chroma:document": "Do not open a Best Buy account. I did 18 months same as cash. I was unable to open an online account to pay my bill. I was forced to drive to the store to make monthly payments day or two late. I have paid more in late fees in the past 6 months of having my card, then toward to principle balance. After 5 months I was finally able to set up online bill payments. After paying 37 bucks each month for late fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 110143bedfbe444bb528317ff4a719ae
encoding: FLOAT32
metadata:
{"chroma:document": "CITI is the most terrible bank I have ever seen. I want to make a large purchase in a store. So I call Citi to raise my debit card limit. It takes me 2 hours and 3 phone calls. Such a efficient company. Zero star!!! Gonna cancel my account right now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2fab9ee8ff54e71898afcc38779a228
encoding: FLOAT32
metadata:
{"chroma:document": "Received a call from Citibank on Monday stating I had a past due amount. I told the person how can I have a past due when I never received the merchandise and I never received a statement. He said he would send me a statement in the mail and suggested to speak to the persons who's sold me the merchandise and see if I could handle it and I needed help to call back. Yesterday I went to the store and I was very upset and I told him I didn't want anything because they didn't deliver my merchandise on the date promise. So the manager gave me a credit around three hundred twenty three dollars and 66 cents. I have a copy of the form credit back to your Citibank. So I called and spoke to Steve which very nice a polite gentleman and explained everything to him so then I asked to speak to a manager which I was on hold for about 10 mins."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83c67fc687564a6c90d1d7c0a74a1dc9
encoding: FLOAT32
metadata:
{"chroma:document": "I received a flyer from Citibank in May 2016 which said if I open a checking account with 50,000 deposit in 30 days, I would receive $400 cash after 90 days. Okay. I was very happy and drove to the local branch (River Forest, IL). The private banker seems nice and said I was qualified for the promotion. At that time I brought up one concern that the flyer was with my husband's name not mine. The banker said it was OK as long as my husband and I shared the same home address. And then she ran into some issues when opened a new account for me and asked her co-worker to help her out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4022e358d1244bab9bdbf26c8e70b820
encoding: FLOAT32
metadata:
{"chroma:document": "I have never experienced a worst customer service department in my life. On 3 occasions with 3 different representatives, the results were the same. All were rude and less than knowledgeable to satisfy my request. Citibank suspected fraud and froze my card. I attempted twice to explain that they were indeed my charges. Even after answering all of the security questions correctly, calling from the number on record, and answering every other question that was asked, I was told they had to contact a relative to verify it was indeed me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cdf4a009ae14bbd90a6982ecd825fc4
encoding: FLOAT32
metadata:
{"chroma:document": "This is a review regarding Citi\u00ae Double Cash Card. I was enticed to apply because of their 2% rewards system. I am very dissatisfied on how they treated my application. I applied and I got denied my first time to their lack of proper credit check. So I followed up and they ran a second check to confirm my proper credit and they approved my application. This is not where the nightmare begins. So the usual process they notify you that you have been approved blah blah blah then send you a letter via mail that your card is on the way and explains on what you can do with the new card to get you all hyped up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 351374cea45e47ad82ae670942a8175d
encoding: FLOAT32
metadata:
{"chroma:document": "I have been using a Citibank Credit Card in India and have been charged Interest most of the times in my monthly statement. The basis of Interest calculation was incorrect and this has resulted in a huge revenue for the bank. Consumers are being looted by this bank using this incorrect calculations. I recommend you to avoid opting for this card and existing users, please be careful with this bank. You might be getting into the web of fraud. BEWARE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62a78cc971a04b5694280b4497e1e927
encoding: FLOAT32
metadata:
{"chroma:document": "We opened a business checking account last December. In early February, I received an email from CitiBank that they are reviewing our account and need to talk us. I called the number but I always got a voice mail. Then I called CitiBank 800 number, they confirmed the letter was from their employee and tried to connect me with that employee, but reached his voicemail again. Then customer service at 800 number said they will email this guy and his team to request them to call me back, they never did. So I thought maybe it's resolved somehow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32a278ba29424373b269c7feb8ed1b51
encoding: FLOAT32
metadata:
{"chroma:document": "As long standing customers, we put a $6,500 balance on our CitiCard in Dec (new roof)... We made a payment of $1,500 in Jan; $2,000 payment in Feb; $2,000 in March. The March payment was due March 16. We mailed our check on March 10. Citi is charging us a late fee of $25 because they did not receive the check until March 20 (which they consider 4 days late). I spoke to Citi and reminded them that there was a blizzard in the entire midwest which could account for why they may have received the check a whole 4 days late. I asked them to review our excellent credit history and to waive this fee as we considered it an insult. They refused and were happy to give me the name of the CitiCard President. I will be writing to that President to let me know exactly why Citi lost an excellent customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 005ae27ef01d489bb8ba60b142ebaaa2
encoding: FLOAT32
metadata:
{"chroma:document": "I was a Citibank card member for over 22 years. I for the first time ever was considered late for a payment to Citibank. I called customer service to explain I had sent out payments to other institutions on the same day and my payments made it to them on time. I explained that the post office here is sometime not the most reliable. They would not give me the right time of day. I was transferred to another agent and the same answer. You would think for being a loyal customer for all those years, it would carry some weight. So I decided to apply for another credit card and was accepted without reservation. So do yourself a favor, don't bother with Citibank, they are heartless."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e94b90c22a24e38a3317b30c230f5de
encoding: FLOAT32
metadata:
{"chroma:document": "I had a dispute with Priceline regarding a refusal to honor their price guarantee. Citibank required me to send a letter rather than taking a verbal report. Then they said they never received the letter. Finally after a month, despite solid evidence that the merchant was wrong, they ruled in their favor. Citibank does not support its customers. I will never use a Citibank card again -- Chase Visa, American Express, and Master Card are all better choices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97aa7817f1d54a728681ebe32cd1c173
encoding: FLOAT32
metadata:
{"chroma:document": "I will be paying off and canceling this account! Horrible service. Customer agents that you cannot understand, that are not from this country. The call centers are located overseas. I called because I received a late fee when in actuality I made my payment early. I guess I made it too early to stay current. I often make 2 or 3 monthly payments. But they would not reverse this fee of $35.00!!! Even though that month I had made 2 payments. It doesn't make any sense. Im done with them. Horrible customer service. Their \"highest\" manager said that they are \"CRACKING DOWN\" on late fees and wouldn't even consider reversing mine even though I make multiple monthly payments almost every month! Shame on Citi!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dc169593c9745d78feb21fe33fb01fe
encoding: FLOAT32
metadata:
{"chroma:document": "This place doesn't respect its employees and it doesn't look out for its customers best interest. It charges ridiculous fees and does not respond to investigations in a timely manner. The employees are outsourced, work from home, are underpaid and abused verbally by both customers and management. Unless the clients accounts are Citigold Citi doesn't care for them. The company owes me money and for over a month they have given me nothing but excuses, like \"the employee that was supposed to take care of it has been out sick.\" \"Sorry he didn't call you back in a week to give you the status.\" The company denies employees their vacations and at times even their well deserved raise due to low funds they say. I could go on all day but if you work or bank with them you will be nothing but sorry."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ddf332f299f40afadbfb0d71f1e1344
encoding: FLOAT32
metadata:
{"chroma:document": "Citibank did not contact me by email or telephone about making my money inactive. Just by chance I have call from a salesperson of bank who try to sell me a loan. She casually told me that if I know that my 50K will go in a few weeks to government if I will not make my accounts active. I never knew about such a law that I have to do transaction to my saving or interest accounts each 2 years. Otherwise money from accounts go to government. It made me feel very terrified that bank did not even bother to notify me. Please be careful with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9bf08b42f844ec68082bfc8fa7c5735
encoding: FLOAT32
metadata:
{"chroma:document": "Got a pre-approval for a diamond preferred credit card sent to me. My credit score is pretty good at 765 and have never been late on a payment, this is not my only card. I have several other cards for several years, and got denied from this bank. Reasoning of the bank says I got denied for not having an invitation... Which Citibank had sent to me, I had the account invitation number and everything. Will never have business with this bank and would never recommend them to anyone. I'd give them no stars if it would let me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29245344485f4bcda63c5234f8944346
encoding: FLOAT32
metadata:
{"chroma:document": "I called Citibank to get my final payoff balance amount. I paid the balance, in full, based on what the customer service rep told me my TOTAL balance was. She took my payment, then I CLOSED THE ACCOUNT. She confirmed that my account was closed. Today, Sunday morning, I received a call that I owe $95, that is in collection, for a $16 interest fee they charged me after the account was closed. The reason for the interest was because I paid my account in the BEGINNING of the month, and they charge interest for that month, at the END of the month. They charged me the $16 in interest and emailed me a bill. I never saw the email because that email account is closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c4b6545312f74f1cb959232957ed20e4
encoding: FLOAT32
metadata:
{"chroma:document": "This is going to take some time to read. I will try to sum it up. Approx on May 2016 (don't remember exactly, but around it) I was being informed by the Citi alert about a suspicious transaction on my debit card on internet for a website (AliExpress), asking me to get in touch immediately. Well, I did it via phone, confirmed with a kind attendant and ordered a new card to be sent over to me, and blocked my card. It should be perfect, but since then, my life became a hell. Amid all the attempts to get the new card, I spoke to several attendants and the so-called SUPERVISORS WHO WOULD TAKE CARE OF IT FOR ME (as they say), but I have not receive the card yet. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be49b2fb42ab4b2682786037503aba27
encoding: FLOAT32
metadata:
{"chroma:document": "Applied online, opened account, received debit card account number and PIN for ATM. Deposited check at ATM machine. Check cleared. When I went to get some cash the card was blocked. I tried to get gas. My card was blocked. No access to my own money. I called and the customer service agent told me I would have to wait 2 days as it was a weekend and that department isn't open til Monday at 8am. That she would not help me. I waited til such time and then was told I have to fax or mail proof of address. Okay so I have no problem doing so. I understand these organizations need to protect against fraud etc... However what I do have a problem with is Citibank taking my paycheck and then illegally blocking me from accessing it. Needless to say I will be closing this account as soon as I can get all my money out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0d98f6596af54dd5bdccdd84caa5f098
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited money in my Citibank savings account the first week of January 2017. In mid January I attempted to withdraw the money and close the account. I was told the action was complete and the check would be mailed. When I did not receive the check I call Citibank again. Citibank stated the account was inactive. Citi stated that they could not close an inactive account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37e33a02550d4d619a424d844924e161
encoding: FLOAT32
metadata:
{"chroma:document": "Misleading advertising. Citibank had a poster for a $400 bonus with stipulations. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f01f41691354662811eb17ad48f1e1a
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{"chroma:document": "On December 25 I made a payment to my credit card for $9,200 at an atm machine in Coral Gables, FL. The machine reported an error and credited me for $12,000! Then two weeks later it reversed $5,700 of that so I am now short $2,500. I called the number on the back of my card 11 times for lengthy calls, mostly to India, spoke to a manager at the branch who said they are not responsible because it is a drive-through not a branch atm, but nobody will investigate or fix the problem! At one point I was \"refunded\" $2,800 but then this was taken out of my card! All someone has to do is check the atm and see that it has $2,500 extra cash but the call center managers they can't check an atm and the branch says it isn't their atm!!! I have been a client for 27 years and am being robbed $2,500 by Citibank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a386438ff29412887a3072816b669fe
encoding: FLOAT32
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{"chroma:document": "I am a customer with Citibank NA in Aventura Fl. My checking account was hacked and my balance is in the negative. They are telling me a check bounced when in fact I have proof it did not. I want a respond. Banks are very dishonest here in Florida. Going online does not help at all. To consumers affairs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf49804794734972881d7309f75491f6
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{"chroma:document": "I was double charged from the hospital 11/21/2016. I had called the 1800 number to have it checked out. I went to the doctor on Dec 2nd. I was very very sick. I used my debit card and was told I would not work. I went directly to my Citibank on 17th St in Costa Mesa. I talked with the clerk and told I will probably need to talk with the manager. He came to us. He looked at my account and said that it was frozen because of fraud. He said yes and nothing he could do. I said \u201cHow am I suppose to pay my bills?\u201d He said I can take out any amount of money I wanted to. I said \u201cWhat about my online bills?\u201d He said \"I am sorry.\" nothing he could do! I left again and went to my car and turned it on and then off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I filed a dispute in Dec. of 2016 for a charge online at HSN which was canceled. The dispute was processed and I received a temp credit. 2 months later, I received notice from Citi that they reversed credit because HSN responded by stating I placed the order. NO KIDDING, in order to cancel, I had to have first placed the order. Citi then asked me for a cancellation notice or credit \"slip\" from HSN. I sent them an email from HSN saying they were refunding amount in full. Citi said, \"NOPE not good enough,\" I needed a store credit slip. HUH, HSN does not have a store. They are an online vendor. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 912d4c1cf58f42ab992fd7021cab1e48
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{"chroma:document": "A new debit card was issued and sent to my old address as on their register. Not responding to Citi, I was blocked from my accounts online. This I don't blame them. But, as directed by several Citi representatives I sent a registered, notarized letter requesting a change of address so that a new debit card could be sent to the present address, which also happens to be the address where I receive Citi credit cards and mail. Now this was early October and I still haven't received my debit card. I called Citi (San Antonio, TX) at least 10 times since then: First time they said they never received my notarized letter, I provided them with UPS documental proof of delivery, including the name of the one who signed for the letter. I sent a second notarized letter then started a series of Citibank claims that they sent the card but it keeps being sent back as undeliverable. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50b721e7ee5147acb06c617933ad38d0
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{"chroma:document": "Our non-profit organization received a letter that threatened to close our account at Citibank. This account was crucial for our international organization to move funds to our various programs throughout the world. I immediately called our \"relationship manager\" who was on leave. Her voicemail referred me to her back-up, who assured me that he would resolve the issue upon her return. Unfortunately he did nothing and the account was closed. I then visited the local branch to determine the issue and reset the account. The branch staff were finally successful in getting our \"relationship manager\" to call us back. We had called her numerous times with no response. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 915a51b5f0d94dd19ba836af2de42c1b
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{"chroma:document": "After the hassle to open a personal saving account, only then I knew that Citibank has no debit card service for online shopping, how disappointed!!! Luckily the information came by just before I filled up the form to open the account. Why that you offer credit shopping facility but not debit banking facility? Not profitable much?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1df5c6a4fdea479ba7aaf8f7dddc5e27
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{"chroma:document": "I needed to have Citi contact my mother since my cell phone was under her name for our family plan. They could not directly verify my phone by sending me a text/calling. This is the standard practice for Discover, AMEX, and Chase. I don't understand why I needed to spend 30 min on the phone with 2 different representatives to do this. Neither my Google phone number, work cell phone, or my fiance's cell phone numbers were acceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed12191575e2430ca46a20f096943be4
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{"chroma:document": "I don't normally leave reviews, but my experience with Citibank warrants a word or two. In less than a year, my identity has been stolen two times. Each time, my American Express card was compromised. The first time, last summer, the thieves charged close to $2,000. The second time, just a few days ago, $6,000 was stolen. There is something very wrong here. These thefts have cost hours and hours of my time in replacing cards, working with the Fraud Department, closing and reopening multiple accounts that were linked to the cards, and extensive time spent on the phone going through the automated calling system, getting transferred from one operator to another, and trying to decipher very thick accents. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0097929f61f4f88bc8b0940654e9334
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{"chroma:document": "I opened a Best Buy credit card about almost two years ago. At this time now I have made some purchases like a TV, gaming system, etc.. I got a letter the other day saying they decided to close my account! When I called the guy on the phone was very rude and said they can close whenever they want to because they are the bank. Why did they decide to wait until I made these purchases to close my account. My credit score hasn't changed that much. So Citibank is the worst bank I've ever had to work with, for that reason I will not be dealing with Best Buy either until they decide to go with a different bank!!! DONT OPEN AN ACCOUNT WITH CITIBANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b145031477e74b338701ec981bee830d
encoding: FLOAT32
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{"chroma:document": "I opened up an account with Citibank two weeks ago online. Sent my information to them and transfer money into the account. I went to get money out of my account and was told my account was blocked because I needed to provide them with my ID. I asked if I could go to the branch to give them my ID I was told no. I must mail or fax my ID to them. So I faxed it twice and they called me telling me that they are unable to read the ID. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4c65e55d8bb4109909eb4ed30cd5869
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{"chroma:document": "I have had several Citibank accounts for nearly 30 years and have been using their online services for around 10 years. When I recently attempted to add a recurring payment for health insurance I repeatedly received a message saying there was a \"Temporary Delay\" implying the site had difficulties. After retrying numerous times over 4 days, I contacted their support and was told there were no problems with their website. They stated the problem was either that I didn't clear my cache or was using an unsupported browser."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c47f22e9738841009cd11b0f32726d63
encoding: FLOAT32
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{"chroma:document": "$25 late fee and $2.15 interest charge -- Evidently my payment in full of $169 was two days late because of the weekend. They refused to reimburse the fee and gouged me interest at 16.49%. How can they do that when they borrow money from the Feds at near zero and we bailed the banks out not long ago? I almost always pay in full, have a very high credit score, and they say there is nothing they can do because my bank screwed up and it's not their fault. I like Capital One, etc. much more so will stop using my Citi card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d253488ed95640a6bdf4ff4209c1872c
encoding: FLOAT32
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{"chroma:document": "I received an email from Citibank to say I had a check refused due to lack of funds. I live in England and opened an account with them in September 2015 while in Los Angeles due to my mother's death. I used the account once to wire some funds to my UK bank, so I was very concerned that a check was written against my account. Upon ringing Citi bank I explained I didn't have any bank checks. I have spoken to 3 to 4 service advisors and 3 managers to resolve my issue. I found out someone wrote a check and got cash from my account. Having been successful they wrote another for the same amount. That's when it bounced. I viewed the checks online on account details. They were company checks without my name on them. Plus where shows pay to the order of, it was blank! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a7f28c4569c745a8b85f1802ee0b999d
encoding: FLOAT32
metadata:
{"chroma:document": "CitiBank took over American Express's credit card in July 2016. CitiBank can keep calling 3 or 4 times a day but when you call back the number, you can't speak to anyone but an automated person. This goes on for months and when you can finally shut off your home phone because of the annoying calls. Then you get from calls from the company (Alltran a collection company that Citi Bank hires) on your cell phone. The person on the phone calls and asked the person they're looking for and you respond to them and say \"have you sent a letter to that person in the mail\". The collection company person said \"OK\" and hung up. A letter came in the mail finally."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a99ab6e0b08e4720b9813c07090cddb8
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{"chroma:document": "I have the American Airlines MasterCard with a $450 annual fee. The AA lounges have turned to be lame in maintenance and quality of service provided. None of my complaints was ever resolved. I recently started a dispute with a merchant in Argentina. Only one week after that Citibank credits my account the full amount was charged again with no previous explanation or notification. At the same time that I start to deal with the dispute department from Citibank, my card is blocked for use overseas. Citibank failed to assist me with this problem and I'm still unable to use my card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ad359d3069149aba63d4728ae41eaaa
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I were U.S. Airlines mastercard holders for at least 5 years. When American Airlines merged with U.S. Air our credit cards were changed. We received new cards from Citibank. Apparently, my husband owed $23.00 on his old card. Never knew about it. Never received an email or a letter until Citibank sent him to a credit agency. His credit rating is 830. We spend an average amount of $5,000 per month and paid the card in full each month. Citibank would not waive the $23.00 fee which we were unaware of. We have cancelled all of our cards with Citibank and will never do business with them again. I am happy we found this out now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43b5cf7476db495888bad9b7ee335d91
encoding: FLOAT32
metadata:
{"chroma:document": "I do not have a problem paying my bills, yet somehow Citibank comes up with ways to miraculously lose my payments! (And of course they never tell me about it until after the late charge is already in place.) I have banked with them for years and it wasn't until they took over my Best Buy card (previously managed by Chase Bank with no issues by the way) that I started experiencing problems. First problem: They refuse to combine my personal account with my Best Buy Card. Every other bank seems to have the ability to manage the store cards and personal cards from the same account, but not this one. Second problem: I set up auto-pay and they wait until 33 days later to send me any sort of notification that the payment didn't go through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54b85d4ad8c14440bccd751ee38d80ad
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{"chroma:document": "I need a letter from Citibank saying it's your fault why none of my bills are getting paid because of this block you have on my checking account that nobody can remove, unless I come into the branch I started at and that is in Freeport New York. I did 20 years ago. Now I live in Tampa Florida 13 years. I am on Dialysis 3 times a week. I get around on a scooter. I am 68 years old. My Husband Nick is 73 years old. Are you trying to kill us by hold our only livelihood. HOSTAGE our social security checks pension and retirement money does not even add up to 2000 dollars. Why us. I going to try my best to get this one the news. What would you do if this was you or your parents?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8837303d6dd45b0b6762c12a1fbeea9
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{"chroma:document": "I hold a non resident ordinary (NRO) and non-resident external (NRE) accounts with Citibank over more than a decade. My experience with these accounts is that they are difficult to make deposits into and even more to get any kind of money out. I have struggles with problem after problem and my conversations with a remote help desk are filled with placatory bromides from the staff and readings from standard customer scripts. I am fed up with trying to get the things one does in the US normally with Citibank NRI services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01ff1632c80642b98afa8adcbb9b85c8
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{"chroma:document": "Customer service is pointless. 1hr 26 minutes holding for a supervisor to find out they cannot help. I apparently did not read the fine print, online, when signing up for a bonus if I opened a checking account. I direct deposited over $500.00 in 42 days. Fine print states a one-time direct deposit of $500.00. No one was willing to work with me or help me out. I will be closing my banking ASAP. Too bad I have direct deposit going to this horrible bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f502edd822e4e62a2ecf6a192360d9b
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{"chroma:document": "In February of 2022 my bank HSBC sold my account to Citizens. I didn't realize this and nor that it would mean various utilities and connected autopay accounts wouldn't be transferred automatically and consequently my cable payment was late by a couple months. I had no intention nor need to default and be late, and it was squarely the fault of this sale, unknown transfer, and lack of customer support. My then sterling credit, maybe 830 plummeted to 700 due to no fault of my own, which is extremely unfair. Not only that but when asking Citizens for help I was told I should have known better by customer support, which took hours to reach. The banking experience has been terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bf56d66bf6c4a468a13a4f6bafe5059
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{"chroma:document": "Horrible bank, hour long waits for customer service and they do not back up their debit cards. My husband\u2019s card was compromised twice and our checking account was emptied. Still waiting four days later for access to our FDIC insured funds. 82% of banks provide next day access, Citizens is not one of those banks. Customer service agents, supervisors and bank and managers are ill-equipped to resolve issues and are only able to offer apologies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27427335544a41468d6e83bd53b04c48
encoding: FLOAT32
metadata:
{"chroma:document": "I will not be banking with citizens any longer. My account was over-drafted ONE TIME and they charged me 4 overdraft fees for transactions I made DAYS PRIOR. Apparently, they hold transactions for days before they fully \u201cpost\u201d and if your account gets overdrafted while those transactions \u201cpost\u201d, you\u2019ll be charged a $35 overdraft fee for every transaction. Even though you had the money in your account, when you made those transactions. How is that legal? My account is now negative $141 and they won\u2019t reverse any of those charges. This bank is an absolute joke."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8bf8814c01c46b2a6e48e6154f347c7
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{"chroma:document": "I have a HELOC with these idiots and called yesterday to find out the current interest rate. First off, I had to enter my full loan number and last four digits of my SS # through their teleprompt which was fine, but then after being connected to a service rep, I could barely understand, I had to give her those numbers again. She gave me the interest rate but could not give me the exact monthly payment amount. This is stupid. Other banks were able to tell me, to the penny, the amount. I'm sorry I chose Citizens for the home equity loan and will be closing this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf4ec7c3581c4377bd988cec08611f05
encoding: FLOAT32
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{"chroma:document": "I called customer service from Egypt and the phone calls very expensive too many times to dispute all the transaction from Amazon I didn't make it and the problem it was the old mobile in the file not working and they told me you have to go to the branch. How I can go to the Branch and I am in Egypt and every time I call the customer service, I ask them the Same question what supposed to do to dispute the\u00a0fraud there's no one help me and there is no others option or choice to help to dispute those transactions as (the citizen application online) very same there no\u00a0secure message between the customer service and the client and there's no email I can contact. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af8f7da0caee4c8d9e684a01c3529155
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metadata:
{"chroma:document": "I would not trust a bank that mails out solicitations based on information apparently gleaned from identity-theft sites or people finder-type sites that suggest possibly inaccurate \"connections\". This bank sent me three postcards, and two were addressed to people I hardly know and who definitely do not live with me and whose forwarding address I do not have. It seems to me, there must be some unscrupulous people employed by this bank and there may be a risk that their files could be vulnerable to breaches if they import inaccurate information from the web."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2279eeca2bf54965852096eb0c5149f3
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{"chroma:document": "I attempted to create a new mobile account at the bank. Right away, I was unable to log in to their mobile site. It's now over a week later and two calls with their tech support, and I still can't log in. Their final answer is that it's a \"known issue\" they are working on. So a bunch of customers can't access their accounts online for over a week, with no end in sight. They didn't offer me anything more than that. I asked if there was any way someone could contact me to let me know when it was fixed, and they were like, \"No, just keep trying. Someday it will start working again.\" I will probably close the account because after over a week and countless hours spent, they clearly can't figure out how to ever fix this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3d2b95752554e12b76eb39218a49dfc
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{"chroma:document": "Open a checking account online. I got confirmation that it was opened but no information about the account regarding checking account number, routing number etc. Set up the online login and there is no account info there also. Tried to find the chat - they advertise it on the web and everywhere and their website but the chat button is nowhere to be found. Called up the customer service and was on hold for 10 min. After listening to my issue the agent kept asking for the account number. Finally he says he will send me a letter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 155d0baeb64a4dfbbbbde2f888899aa5
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{"chroma:document": "Besides being commercial customers and maintaining an average 250K balance in my commercial checking account, my wife and I had large personal accounts with Citizens and hold stock. Our troubles started when the joint checking account we used exclusively for travel and so rarely check was hacked. I caught the fraudulent charges on our joint account and was refunded the first time by Citizens and issued a new card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39217a72b64041feaf989de530839aa5
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{"chroma:document": "I called customer service yesterday at 5:00. After a half hour on hold with really loud music I started a chat help. Another half hour on hold to be immediately transferred and be on hold for a half hour. No response from the chat either. Gave up on everything. Next morning at about 7:00 am I get a text from Citizens chat \u201cHow can I help you?\u201d!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5eb4e2b8bbe4d428e40c1b50b770dce
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{"chroma:document": "I would never put money to the Citizens Bank. It has been taking monthly fees without letting me know even I have set up automatic transfers as active accounts. When I called, Mr. **, the customer services manager from Citizens bank, he said he will Not give my money back. I told him that his coworker FORGOT to set auto transfer in one of my accounts. He said not his problem. So I quickly closed all my four accounts, withdrawal all my money from Citizens Bank. I scared. The Citizens Bank customer services made mistakes not to do one of my account to transfer fund between my accounts. I asked the bank to check the record, Mr. ** supervisor from Citizens blamed on me to checking of myself. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9827a12b6a0b47be94506e5d5df30c73
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metadata:
{"chroma:document": "This has to be the worst bank I've dealt with. First, their services pallet is limited. For example, there is no way to do IntraFi (formerly CDARS). Second, there is no way to contact them outside of calling them on a phone. It's 2023 for god's sake. Who has time to wait on hold for half an hour? They claim to have chat option, but it NEVER works. The button to start the chat is not even there. Third, they went full woke. Only women and specifically black women are depicted all over their Web site. There is ample evidence that large commitments to social justice adversely affects the quality of services, customer service, and investors. I will be moving elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aae52b80483944038b466341902c4333
encoding: FLOAT32
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{"chroma:document": "I have had the worse experience while using this bank, from inadequate staff and misinformation, to downright rude employees who don\u2019t provide decent customer service. My account is missing money and I\u2019ve been waiting days to hear back, I called with a case number today and was told my case number was not found. I spend 40 minutes on hold to speak with a representative and Christine ** was rude but her supervisor Corey ** was disrespectful and in no shape to be in his position. I was told that a bank account that I no longer have access to was in the negative, but I never received notification, nor have I had access to this account to see negative funds. Literally the worse encounters with customer service agents and the worse bank that has ever held my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ae2404e02a44f38baf0ee8cd5e30f55
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{"chroma:document": "The Citizens Bank located in Giant Eagle Market District-Settler's Ridge location in Pennsylvania authorized $ 5,010 to be taken from my account without my permission. I visited the bank on 6/26/23 at about 10:40 am to purchase a certified check for $ 5000. This money was used to purchase a car. Citizens Bank gave me the check, and charged me a fee for this check. The next day, I received a text message stating my account was overdrawn. I discovered Citizens Bank charged my account 2 times. It deducted the $5,010 twice from my account. Citizens Bank staff acknowledged the bank made an error; but I did not restore the money to my account. The manager was not in and they staff were not able or did not know how to fix the problem. They are not able to state when (meaning possible days aways- unknown) when they will restore my account. This is unacceptable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Have had a proper (sufficient funds, sufficient and routinely deposited checks) account for 12 years. Citizens has held funds preventing purchases at grocery stores, department stores, automotive repairs and other venues. Imagine with an account holding over $100,000 not being able to purchase groceries, an air conditioner, lumber, shoes, travel expenses. This is life with Citizens. Funds get listed as pending or on hold and the merchant declines purchases YET the funds are clearly in the bank with a balance of $100,000 being the account's norm."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f73abbd1500b43a18c02c970c88b2634
encoding: FLOAT32
metadata:
{"chroma:document": "I made a transfer from my Citizens account to another bank. Citizens took the money from the account but then send an email saying the transaction was cancelled for security reason but the money was never put back into my account (aka stolen by the bank). Janet ** should be held accountable for fraudulent bank practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22b841eed2a14194a62e128f8364a62c
encoding: FLOAT32
metadata:
{"chroma:document": "After 62 yrs with this bank using easy to use online banking, they switched to a security check which the user needs a cell phone /email access for. I don't. Totally screwed by this new system. Just wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24f647a8a2ce46cc93663317569e8d8d
encoding: FLOAT32
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{"chroma:document": "Citizens is the worst bank ever - by a mile. First time in my life that a bank has taken my initial deposit and direct deposit, then decided, without a phone call/email or letter, that they wanted to close my account. Zero explanation and when I called, said they cannot share any information. While that is their decision, they do NOT have the right to hold my deposits hostage / in limbo. I am on Week 6 trying to find someone with authority to mail me a check with my funds initially deposited. Stay far far away from Citizens Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7678707820864c3193c20364873a3b33
encoding: FLOAT32
metadata:
{"chroma:document": "This is the smallest bank in Brooklyn but yet they want to charge an overdraft fee on an account they know has a reoccurring monthly deposit. There are bigger banks who are more reliable/dependable with their fees. I\u2019m definitely CLOSING this account and word of mouth is the best form of advertising!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57544bd2223e4e6e9a6c710beae7a32a
encoding: FLOAT32
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{"chroma:document": "Citizens Bank needs to be investigated. They have thousands of complaints from current customers including myself. How are they even still bee in business, I do not know. Found out recently this financial institution is non-fdic. Placed an illegal holds placed on funds. Funds have still not been released. This bank makes their own rules as they go along. Have waited over a week for a member of their so-called chairman's office to return a phone call regarding an account I have with them. They do not even bother to return phone calls or emails to their customers. Phone numbers listed on their website don't even work which shows they don't even want to communicate with their customers. This place needs to be investigated for their illegal, unethical practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ec2668058014523a926b40c048e0b30
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens is the worst bank ever - by a mile. First time in my life that a bank has taken my initial deposit and direct deposit, then decided, without a phone call/email or letter, that they wanted to close my account. Zero explanation and when I called, said they cannot share any information. While that is their decision, they do NOT have the right to hold my deposits hostage/in limbo. I am on Week 6 trying to find someone with authority to mail me a check with my funds initially deposited. Stay far far away from Citizens Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81d76ee6d13f4992a6b3522b7c061f60
encoding: FLOAT32
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{"chroma:document": "I have had nothing but ongoing mortgage/principal payment applications failures, even after I talk with Citizens Mortgage. They instructed me to write \"mortgage\" payment to my checks for mortgage payments and write \"principal\" when making payments for principal. They continue to not apply my payments correctly. In the past 2 years I have had to call them more than a dozen times. Made another payment on April 30 due May 3 for mortgage paying the exact amount and they apply to Principal and now are charging me over $19.00 in late fees. They will fix it after I call them on Monday. But the ongoing need to monitor every payment is ridicules."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cd4e9f391634f14b81116e72a99235f
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a savings account, but the site would not allow me to transfer funds in. I tried again with a different browser and again the next day. Did not work. I contacted their online chat and spent a half an hour getting messages back about 4 minutes after I asked them. Then they could not send me a text to confirm my identity. They tried twice. I spent another twenty five minutes on hold waiting to speak to someone. They asked for the full account number, meanwhile their site stopped working. Then they asked for my full SSN, which I refused. After another ten minutes I was finally was able to close my account. I will say the gentleman was very pleasant. But a complete waste of about 2 hours of my time opening and closing an account. Their site is not trustworthy, and their customer service, which is only online because this is a fully online \"bank\" is abysmal. I wouldn't open an account here if the rates were one thousand times the national average."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e1771a21c2f46d3be1b8fb57151cc1f
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank floods me with Pre-Screened offers. I have many cards, but I finally applied. I have only excellent credit, and lots of it. Still, I got a letter today that my application was denied because they couldn't verify information with the credit bureaus. This is nonsense, every other bank from my 25 credit cards were all able to verify the same information without issue. Now I have a pointless hard pull on my credit report because this Bank is inept. If they send you a prescreened offer, BEWARE. There is a reason why Citizens Bank has wildly bad reviews all across the web."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23e7a325ae4b4a0f9ba070e7c1822792
encoding: FLOAT32
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{"chroma:document": "I made a cash deposit at the Clark Summit PA branch ATM the system glitched. My money wasn\u2019t deposited or returned. I called immediately. Was told it would be escalated and take 1-2 business days. That didn\u2019t happen. I called the branch twice. Was told it\u2019s not their problem. I have to wait on a claim. Called the 800 number. Again told could take a couple days. Escalated again. Would be given a preliminary credit. That never happened. Still haven\u2019t received anything. Not a phone call or update nothing. Keep getting told it\u2019s not their problem. If I could switch banks I would but this is my child support so I can\u2019t."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 489bd8b36b9d4065ae4369841e5d9f59
encoding: FLOAT32
metadata:
{"chroma:document": "I cannot even put into words how incredibly bad this bank is and my experience with this lender transpired. Let me just start by saying that if you\u2019re looking to get a mortgage from a lender do not, I repeat DO NOT even think about going to this bank. You will be sorely disappointed by them. You see I began my search for an apartment about 6 months ago and finally found one. It made me very excited to find such a great property and for the price I found it listed for. I applied for a pre-approval with Chase bank initially because I\u2019ve banking there for many years. However, I found out through a mortgage officer named Leon Gelzer that Citizens bank participated in programs to help first time homebuyers and grants and assist with closing costs. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbd0d9585ab84675830043b4a66c4e29
encoding: FLOAT32
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{"chroma:document": "I opened a high-yield savings account with Citizens (Citizens Access savings) a couple weeks ago, tried a $10 deposit but it failed to go through. Thinking it was just a one-time issue, I tried a $1500 deposit to start collecting interest sooner. 2 days later, I tried to log into my account and it's locked out, tells me to call customer service. I get ahold of customer service and I'm told that the bank terminated business with me, yet I did absolutely NOTHING wrong and I've been banking with other banks for over 15 years with no issues."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1264dafcb634700ac560bbfd5abee1b
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is the worst for home mortgages. The training on their employees on the phone is lacking tremendously. No one knows what is going on, how to help or what department is needed. We ended up having to go through HUD to help us contact someone at the bank in the right department. Thank goodness for HUD. We had been trying to get something resolved from December to April. Whenever we would call Citizen's customer service we were told someone would call us back in 3-5 business days. Most of the time no one would call us back. If they did call us back, they did not know how to help us. That's 4 months of trying with this company. We have had loans from other banks and never did we have the issues like we have had with Citizen's Bank. This bank is seriously clueless on to run a business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a0e7b73de704365afb84abb94be9d37
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank in the US today. Terrible customer service. The people working at this bank is clueless. They can't even manage to close an account. Horrible bank. Stay away. They take money off your account in fees more than the interest. You will end up owing this bank money before you know it. This is so stupid."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0f755ae7d114f6b9d7e08b58d4a206a
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card website. Tried for 2 weeks to resolve. Worst bank websites. I keep having to change my password. Sometimes it accepts. But kicks me out. Please somebody help me out of this. Phone calls go to India?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b729b170bfad46c4a3d9fcce6e6eaf90
encoding: FLOAT32
metadata:
{"chroma:document": "It is not a good place for ** customers. I went to open a business account. I had a copy business certificate. They ask for original. I come back with original and the same racist ladies tell me she don't recognize this certificate (a certificate from a city hall, sign and original). She ask me to get another business certificate from her city 'cause that the only certificate she recognize. I will never go back to this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8522b0724ddc45e18186a7d1944407c7
encoding: FLOAT32
metadata:
{"chroma:document": "After making an online transfer, I waited a week before the transfer appeared. On the fifth and sixth day I tried calling several times, was left on hold, and never spoke to a representative. There is no other way to contact them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bca52450d2434c659c38a52c7f3afb2a
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metadata:
{"chroma:document": "I am super frustrated with this bank. First they took over my free checking account from HSBC, and then starting charging me $25 monthly for the account. I requested to transfer my money out of this account and close the account. 2 month later I receive a mail with a threat from Citizens Bank that my account (which was requested to be closed) is overdrawn and that that they will report me to the credit reporting agencies and that this will be reflected in my credit score. So I called them again, this time I was told that I have to pay the fees for the last 2 month now before my account can get closed. So I paid again fees for an already closed account and then got told that the account can not be closed yet, I have to wait until the money shows on the account then call again. I am paying since month now for an account that I never opened, that I never wanted, and it seems like there is always an excuse that the account can not be closed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74e039604e2944d99f983fdd3dfe8576
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{"chroma:document": "Applied for a home equity line of credit with Citizens Bank. Provided the information they asked for with no response. Sent emails on questions about loan with no response. There was no follow up until I sent additional emails. Don't use this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae788c5fe7094fa3a8f32ff005fbb502
encoding: FLOAT32
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{"chroma:document": "I have had a joint account for 30 years. Never have I had such a difficult time depositing money thru an app or transferring money. You need to call multiple times, get transferred multiple times, every time you speak to someone you are told different information, they have sent several credit cards we did not apply for. They have the most unhelpful customer service. Everything is a hassle especially when you need a bank to be there for you. It took 5 hours to transfer money from the web because every person had a different answer. So stressful, I will be ending this relationship as fast as I can! Use Santander they are a financial institution you can trust!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16c7408b44fa40d3a759617cc66b5634
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{"chroma:document": "On March 16, 2023 Citizens Bank offset a business loan debt from my personal account. Citizens Bank took $3000 that was sent to me from a family member to pay my mortgage and applied it to a business loan for an LLC. The business is a Limited Liability Corporation and I did not give Citizens bank permission to use funds from my personal account to pay the debt. I have a business account that is attached to the loan via my EIN number. My personal funds are protected by the veil of the Limited Liability Corporation. Just because the business owes a debt, the LLC origination protects the company's members. The business is not set up as a Sole Proprietorship so the offset was illegal. I will be filing a complaint with the FTC as well as the Attorney General's office. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b30cd6dfd4cd4c6fbee90d85b491c223
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metadata:
{"chroma:document": "The employees at the LaFollette TN Branch really need training in customer service. Rude and unprofessional. I\u2019m surprised they are still in business. Stopped by to open a checking account and they just didn\u2019t care about me at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3abd142ae89b456ca30b1e5e3eb1c481
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metadata:
{"chroma:document": "I personally made a deposit with the amounts noted accompanying the deposit. I found when leaving, the deposit noted was not what I had given the teller. I questioned it, but was told what was posted was what was received. I never heard the machine counting the money, checking it.\u2026 I followed up with manager and the higher office and after some time was told there was no over count of money that day. The money I had given the teller had paper clips attached and I was asked if I wanted these small clips back. That was a peculiar comment I thought. And so I will be closing this account. I have never had an occurrence like this before and have done banking over 65 years. The amount in question was $500. Too bad. My question to management was why did the teller not advise me initially that my amounts listed with the deposit were not what was received?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 104c165463fa4afbbc0d4c4b24917745
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank locked my card without notifying me through my phone number or my email. I am beyond words for the amount suffering this has caused. I am closing the account for good. No more abuse. Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5faa19b8e88d47dab7d8df73df0c0ae2
encoding: FLOAT32
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{"chroma:document": "I would give it 0 stars if I could. I previously banked with HSBC which got switched over to Citizens. If you plan on banking online to pay bills or to check your account, you can forget about banking with Citizens. It takes forever for anything to load and good luck if you can even make it onto their portal. I've placed multiple calls complaining about this but nothing has been done yet. To pay my credit card (to view statement and then to finally make the payment) literally takes me about 1/2 hour. Go figure in this time and age. Their app also doesn't work well. Their internet banking needs a major re-vamp!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e21b3706e3c4249b980b15c2dcfe9ba
encoding: FLOAT32
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{"chroma:document": "Citizens Bank is the worst bank that I have ever worked with. I have a small business line of credit and they make the simplest tasks very difficult. Number 1 no way for me to pay online! It's 2023 and they can not figure out how to pay online.The option is there but they can not get it to work. Their solution was to setup an auto pay at my other bank to pay them!? Their customer service is nonexistent. It's currently February 25 and I have been trying to get a hold of their commercial lending people since Christmas! No answers. I also tried going to a branch, where they tell me they can't help with corporate accounts and they give me the same number that no one answers. It's an endless loop. I have multiple companies and use multiple banks, I have no issue with any of them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f14ff5414a84875ae78ea433a3ee00a
encoding: FLOAT32
metadata:
{"chroma:document": "I called customer service regarding the transition from Investors to Citizens. I was on hold over 30 minutes, and when I finally was connected to someone, they communicated poorly and were not able to help in what should have been a very basic issue,. When I asked to talk to their supervisor, I was put back on hold. I hung up after several minutes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff067b289d084233a25d43d3e5ddea32
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metadata:
{"chroma:document": "Bad mistake going to this bank. At first, they didn't have an android mobile banking set up, so nothing but problems for 6 months. Update case errors. No regular customer service help. Over a hour hold period. Double charging acct. Rejecting passwords, biometrics after updates. Then requiring a disabled person to come into a branch to say I am me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1e45c5c3ad81414a90bd52c7ac418329
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{"chroma:document": "Citizens Bank is trying to take advantage of people with their mobile deposit app. If you get your paycheck on a Friday and mobile deposit it in the app, they normally clear it by Monday. If a federal holiday falls on either that Friday, Saturday, Sunday or Monday they WILL HOLD YOUR CHECK for 10 days. The very same check that you can simply walk into one of their branches and cash in a blink, they will hold your money Hostage. Why one holiday day causes them to not authorize the transaction when a teller would cash it is the scam. They are betting that overdrafts will occur by holding your hard earned money. Their overdraft forgiveness is a joke as that is only one day grace. Again you will not have your paycheck that you worked a week to get for 10 DAYS. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60807c4551eb4199933135386c6d13d6
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC transferred our accounts to this bank. I have been calling this bank for I don't know how long now and the phone number keeps hanging up after entering all the prompts and entering identifying info. You literally cannot get in touch with these people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3dfd94c6b3bd4008adddfb85ef29e4e1
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metadata:
{"chroma:document": "A few years ago I received an invitation from this bank to apply for their credit card because they said I had a good credit score. I followed the instructions and submitted the application. Later I received a mail stating they declined my credit card application because they were \"UNABLE TO VERIFY INFORMATION PROVIDED ON CREDIT APPLICATION.\" I had applied for multiple credit cards and never got this issue. From this incident, I learned that this bank had a huge problem. So when I learned my HSBC account would be transferred to this bank, I immediately closed my HSBC account to avoid being their customer. Seeing so many ex-HSBC customers' complaints here, I think I dodged a bullet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6b6ec73ba1041208c9bb63637a7ca09
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metadata:
{"chroma:document": "I called the customer service line to ask a question regarding branch location in another state and I must apologize to the man who answered because he clearly has better things to do than deal with my inquiry at 10:30 on a Saturday morning. He could barely withhold his disdain for my questions and made it clear he couldn't wait to get rid of me. Since Investor's is changing hands, I felt my questions were valid. But apparently we are headed from the frying pan straight to the fire. God help us all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0438958509ab410f9b56ca1d3d2968c5
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metadata:
{"chroma:document": "They allowed my saving account to get hacked 32000.00 without a phone call, email or letter. Even sadder the other financial institute notified them. I don't check my savings account every day. Within in 10 days my account was missing over 32,000.00. Customer service was a joke. Finally get claims filed and account frozen. A few days go by while waiting for claims and the savings again starts getting ach. Very disappointed. Stay away. This had to be an inside breach as my accounts had never been visited online!."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92eda7d152ae400682cebda2329610dc
encoding: FLOAT32
metadata:
{"chroma:document": "I recently had the displeasure of becoming a Citizens Bank account holder since their merger with HSBC, they made substantial changes to my account without my authorization. When I called their customer service to find out what was going on I was told everything is fine and that I don't have any late payments with the bank. Eventually after several calls I found this to be incorrect. I was assured they'd correct the damage done to my credit  After several more calls and no action on the bank's part I filed a complaint with bank regulators. After the bank did their investigation listening to my prior calls they found out what I said is true but have chosen not to remove the damage this has done to my credit. I've closed all my accounts there and would never ever consider banking there again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b33bbb19cac4e94807c9486d99c849b
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metadata:
{"chroma:document": "First, Lindsey at the Citizens Bank in Hope RI answers phone, then if she can't address your question, disconnects call and does not answer phone all day. Identified that bank was in a supermarket. Called bank in East Providence, seems they don't answer calls either. Been 2 days now, trying at different hours. Calling because mother passed and send death certs, etc. to 1 Citizens Rd. RI and they do not give a public number.... Is a mess. 2 months and no response."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d539333139547ff863eedb395f7378b
encoding: FLOAT32
metadata:
{"chroma:document": "I was somewhat concerned when Citizens Bank acquired HSBC. My concerns have actualized. The bank has issued checks with incorrect information; I was looking for restitution for a returned check fee. They were not helpful in the slightest. Time to change banks! Customer service very wanting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e3a563c38df4e13bcba3c83dbbf8886
encoding: FLOAT32
metadata:
{"chroma:document": "The bank manager was friendly, however, they refuse to return $200 that they withdrew from my checking account. I tried to withdraw $200, but the money never came out. Now they are saying there wasn't an error. It's shameful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 539df8c5cba5463ca268ab2de89120bc
encoding: FLOAT32
metadata:
{"chroma:document": "This bank's customer service does not exist unless you like to be on hold for 30 minutes then transferred from department to department or go to the bank and wait in a line for the one customer service person working. I was promised a new ATM card that never arrived. My card had been frozen but no one could tell me why. I closed my account today. I can't face any more aggravation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e672c55e25841c190bf72d7c63ba1f6
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{"chroma:document": "Customer service is terrible. They are completely unaccommodating. Thousands of dollars were stolen from my savings account and not a single alert of possible fraud by them. I was studying abroad and only had a limited number of minutes for international calls and they just said \u201ctoo bad you\u2019re still going to have to be placed on hold for 45 minutes plus\u201d. They couldn\u2019t do anything over chat, their mobile app doesn\u2019t even have a chat option, and they essentially have one number for everything. I will be going to any other bank but them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5d2eaf5da3b4d16a36a9d6c6911aba4
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give a zero, I would. Their customer service is horrendous! They\u2019ve had issues with just processing my payment, whether it\u2019s online or over the phone from the beginning of this loan. Always, always gets \u201creturned\u201d. They had too many numbers in the account. I\u2019ve spoken to an enormous amount of people to try and fix it, but to no avail. They would always say \" Ok, it's been fixed!\" but the next month, same old story. I had finally fixed it (deleted all my info and re-entered it) and the last two months, no issues. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8cacddfc4074d0eb2be57ac7fa524f3
encoding: FLOAT32
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{"chroma:document": "My wife and family built a home with Citizens. The home was transferred to a permanent mortgage over 7 months ago. We went auto pay because Citizens said, \"Oh, here\u2019s a little discount.\" \"Ok, no problem,\" we said. Bank with Citizens. Well, here\u2019s where things get super interesting. Our mortgage comes out the same time, each month, on the same day via autopay through Citizens. Citizens goes on to lock my mortgage account, report to the credit agencies, and make me lose 135 points from 800 plus to 650 give or take. The kicker here is, I am on freaking auto pay. The payment was actually received, just like it does each month. But some genius in their department did something with my payment that threw the system for a loop and it showed them it didn\u2019t process."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0de7bd3ddc814fd4b693a58bb9b17498
encoding: FLOAT32
metadata:
{"chroma:document": "Over 1 month ago someone tried to hack my online account. They were not successful but Citizens Bank locked my online account. Since then I have spent at least 10 hours with Customer Service. Most of that time was on 'hold' while they bounced my call from department to department. I also went into my local branch. While the branch manager went out of his way to help me he was caught with the very same customer service that I was dealing with. I was at the branch for more than a few hours while the branch manager spent most of his time on hold being bounced around different departments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed1e9e267fc34c8d8192f69cc319331d
encoding: FLOAT32
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{"chroma:document": "This bank rather you lose your home than to help you. I\u2019ve sent in all documents they require and they still asking for the same documents. I had to fill out another application due to them taking so long. I applied in July this year and here we are almost in October and they still asking for paystubs that been submitted. They only care about themselves, never mind you. They are SUPPOSEDLY there to help their customer which it\u2019s a HUGE lie."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29e90c74cfe54a34b0e2fb1d8dc52a8a
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{"chroma:document": "Citizens Bank at 165 Needham, Newton was totally unprofessional bank I ever visited. Two associates did not know what they were doing and did not bother to find out how to do it but were condescending, arrogant, snappy, cranky, irritable and rude. It seemed there was no limit in how far they deviate from expected professional manner."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c0bf5146dae433c993006e7fbf67a96
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{"chroma:document": "We have an equity line of credit. We were told we were able to have a fixed rate after 12 months and now that we tried they say we cannot. A individual by the name of Alex in HELOC department had us on hold and continued to give us a hard time when requesting information. Even to get to customer service was challenging we spend 1.5 hours on this call. HORRIBLE HORRIBLE the way they treat their customers. BEWARE!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f16c504f4eff48168f01aa2f6eaf0a62
encoding: FLOAT32
metadata:
{"chroma:document": "Several times now (over the course of roughly 3 months) I have attempted to log on to the mobile banking only to be notified that I have \u201cexceeded the number of password attempts.\u201d Keep in mind this message shows after attempting to sign/log on once after weeks of not logging on. I\u2019m so tired of this issue, and of never getting a straight answer from customer \u2018service\u2019."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4220ab772a854846b52992c1322729ff
encoding: FLOAT32
metadata:
{"chroma:document": "I had a card cancelled due to fraud. Makes sense. Then the clowns at Citizens took over a MONTH to get me a replacement. I called 6-7 times, with an average on hold time of 45 minutes. They sent me a replacement, declared it stolen and cancelled it. But it wasn't stolen, it was in my hand. Then they sent me a second replacement (I asked for Priority Mail, they failed to do that), it was returned to them 2 weeks ago, but they never told me. Today is almost a month after losing my account access. I am writing this as I am on hold, again. But wait, after 1 hour, 9 minutes and 56 seconds of being on hold and passed around, they dropped the call. So, back to square 1. Hard to believe, but true."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6621e6435744b15a183c6796f522d5b
encoding: FLOAT32
metadata:
{"chroma:document": "Thieves, unprofessional, the worst bank ever. Don't put your money into this bank. This is the worst bank ever. Don't put your money into this bank. I'm gonna close my account and go to another bank. A few months ago, someone stole my wallet, I did lose everything. Later after less than 1 hr, I try to call customer service, but no one answered, I did spend almost 1hr trying to find someone, but it was impossible. The funny thing is that Citizens send me a text message if I'm using my card at the CVS, and I reply no. But they let transactions go through. And the next day, I went to a branch citizens to file a claim. And they return my money to my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: acfe9b51c7ff442a9fe17d72800d55fc
encoding: FLOAT32
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{"chroma:document": "I am another long term HSBC client whose checking acct info was sold to Citizens without permission in January. I threw away all of the material Citizens sent me including checks and debit card. (I never wanted to have an acct with them and had taken all of my money out of HSBC prior and opened an acct with a reputable bank.) I continued to be bombarded by Citizens and called numerous representatives to cancel these unwanted, fraudulent accts. I went into the local Citizens branch and was told accts had to be closed on the phone- they could do nothing. Continued to call their many phone numbers as I was still getting mail from them even though I was told the accts were closed. (This was in early March.) I then received a bill for $15.00 for a \"Line of Credit\". I spoke to another employee and was told that since I had overdraft protection with HSBC (free) they put it on the acct- that they still had not closed- for a $15.00 charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4a0a80c8b714342ab26bdf7606cfe1a
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metadata:
{"chroma:document": "I signed up for a savings program that promised a $300 bonus if I made a certain number of deposits over the course of 3 months. I did so. Customer Service confirmed that I qualified for the bonus. After more than 45 minutes on hold, a \"supervisor\" said that I did not qualify for the bonus because I did not open a checking account. This was never part of the original agreement. Multiple other representatives confirmed I qualified for the bonus. I never received the money. Closed all my accounts and credit cards with them immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 017410b4d25f44148254a6f635d7e089
encoding: FLOAT32
metadata:
{"chroma:document": "These people are scammers. We responded to an offer they sent us to get $300 for opening a new savings account, and meeting certain criteria. We jumped through all the hoops just to find out they had a clause stating we needed to open a checking account on the same day as well. I'm closing the account and will never give you another chance to scam us..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 792559360c5948d08b45c86544c16932
encoding: FLOAT32
metadata:
{"chroma:document": "Somehow a company never updated their system with my friends account information to send her payment to her and it was accidentally put into my account. They refuse to return the deposit back to the company that sent it. Also when you reach out to them and tell them that you're going through financial hardships due to a death in the family they do not care and will not help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1eb45cc7a4d145aa9d6242b029c37e57
encoding: FLOAT32
metadata:
{"chroma:document": "This bank charge a monthly fee for its saving accounts. I had to request and follow up 4 times to close my saving account. It takes an hour to wait to reach them on the phone. It has caused me a lot of inconveniences and consumed my time. Very unprofessional service. They will most likely run out of business someday soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1f187dbb529429299a6b976f5721032
encoding: FLOAT32
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{"chroma:document": "I am another HSBC customer who was moved to Citizens, and I will be closing my account and finding an actual bank that takes its institutional responsibilities seriously. This bank is so unprofessional that its operations are almost a scam. Every single attempt at a transaction results in a freeze on the account, and a requirement to call their customer service number. Try to make a Zelle payment. Blocked. Try to add a payee. Blocked. Try to add a phone number. Blocked. Try to use the debit card. Blocked. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c71120a47fd488da79a42ca362bb858
encoding: FLOAT32
metadata:
{"chroma:document": "Worst credit card customer service ever. Lost my card and reported the same day...after a 36 min hold time on the phone! Was assured my replacement was sent by express mail and would arrive within 3 business days, but it has been 7 business days already and still no card. Called customer service to follow-up and am currently on hold again. It has been 31 min already, as I type this review while on hold. Not even a auto call-back option like other banks/credit card services. The only other way to contact them is via snail mail. No email or online chat. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d31243e5fd24cdba4c4eb895e968c57
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Home Equity Line Of Credit with Citizens Bank on March 14 and was assured that everything looked good and I would be closing on a loan within 30 days. Then they started asking for this document and that document. They changed the loan servicer 3 times and never returned my calls. It's been 4 months and finally I was able to get a hold of the original sales person I dealt with on the phone. He told me the loan was just turned down today which sound like a huge coincidence. This bank is a huge waste of time. I would never give them my business after the way they treated me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56f32a6d0fa54defa7ef95f498d4a42c
encoding: FLOAT32
metadata:
{"chroma:document": "Do not get a mortgage from Citizens. They lie about everything. Very disorganized company. My loan closed months late. Now they are charging me for flood insurance when my house is not in a flood plain."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f96bda35f9e4de3971291cf01403392
encoding: FLOAT32
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{"chroma:document": "I had been with HSBC for about 18 years and they closed. Prior to them closing I closed all my accounts and apparently all my info was transferred to this bank. I have always kept all my accounts are on auto-pay with HSBC and I missed one credit card and it charged to my HSBC account, welll apparently it did not, Citizen found the opportunity and claimed I had the account with them, so there was an overdraft fee, plus the charges for having a checking account I never opened. SO now I am in collection and they stated to me that HSBC sold all my info so they are entitled to all these charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44c78a889a36424abaff30a54782573b
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I paid off a loan, Citizens took forever to issue the necessary paperwork. They had no trouble taking my money, which I paid promptly. But the minute I needed a letter stating I had paid my loan in full, the service was horrendous. Each time, I would call, get put on hold forever, get transferred, and then hung up on. When I got hold of a supervisor, all I got was a No-Can-Do attitude. They don't care if you have an urgent time-sensitive issue, such as a house closing. They just tell you Back Office will get to it in 5-10 business days, which means I won't get the necessary documentation for a month. And there is nothing else that can be done. Customer Service reps have very limited training or knowledge, and sometimes they're also rude. Do yourself a favor and bank anywhere else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45dbf5d6652249199b974f7a1e121581
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{"chroma:document": "STAY FAR FAR AWAY FROM Citizens Bank. I was ripped off by a scam companies. The company is Universal Health Share. They had been charging my credit card $344.00 every month. I went to my Doctor for a checkup and some Lab work. Bills were sent to Universal Health Share and they never paid one cent. After months and months of call and bills being sent by the Doc. office and myself. I had to pay all the bills myself. I called Citizens to cancel the credit card and file a claim. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc4f25e0e2f843c5898938441d833b42
encoding: FLOAT32
metadata:
{"chroma:document": "This bank system and their customer service line is by far the worst. Their online banking is very outdated and they will stop/suspend transaction for no reason and they will do that whenever they feel like doing it. Their customer service is atrocious due to lack of operator's knowledge. When I call them to resolve an issue they had no idea what I'm talking about. They will put you on hold for an hour and they will transfer your call to another person and they will ask you for your personal information again. I do not recommend this bank to anybody. Please avoid this bank at all cost."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c7b641cdcbf1412aa18e03dfb32b4e39
encoding: FLOAT32
metadata:
{"chroma:document": "Being transitioned from HSBC to Citizens during a GLOBAL PANDEMIC, with no option to look into other banking institutions to fit my needs during the transition, Citizens leaves a lot to be desired, especially for us Americans living overseas. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ea104beb76248d8a0b0e968fc21e56c
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{"chroma:document": "Company closed my account due to inactively and I explain to the rep that I\u2019ve been using the line of credit and my orders are getting cancel by Best Buy and Citizens claims that I never use the line of credit and another department told me my account was closed because I was deceased. And I\u2019m alive \u2026 stay away from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6a0572294914b6199de78a88793434d
encoding: FLOAT32
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{"chroma:document": "I went inside the Citizens bank in Oak Park Michigan and 9 mile rd. to deposit a check. Was told by another customer the machine inside was acting up (not working). I went into the bank and was told by the Manager the system was down. I then walked out after saying I would just go to the drive-up window. I went to the drive-up window and attempt to deposit my check, and the machine took my card and check at the same time while shutting down on me. I asked the same lady if she could have someone in the bank to assist me, and I was told by the customer the manager said a repairman had to open the machine on Tuesday 4 days later. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 551f93c63bc74d6c9e40ffe98acf53e0
encoding: FLOAT32
metadata:
{"chroma:document": "I was an HSBC customer and I had no choice but to transition to Citizens Bank after being with HSBC for 20 years. I went overseas for vacation and I used my debit card as usual at the supermarket, restaurants etc. I noticed after my vacation all the Foreign ATM or Pos FEE \"exchange fees\" for every transaction I made. The fee amount they charged me varied from $2.24 up to $4.50 (I made 10 transactions with my debit card and they charged me 10 post fee transactions). I have never been charged for using my debit card out of the county with my previous bank HSBC. The country I went to visit use Dollars not a foreign currency. So, I had to pay fees in order to use my own money. I'm very disappointed on how Citizen's bank steals money from customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09f0bc89e0024fbf979766b86c6f0876
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{"chroma:document": "Good heavens - yet another reluctant ex-HSBC customer based overseas. Citizens Bank has the worst customer service I've ever experienced. First, hold times to reach anyone on the phone is never less than an hour - never. No matter what time you call. Morning, night, doesn't matter - you'll wait an hour. There is no way to reach anyone by email or through any other channel. Second, no one on the other end of the phone has any idea how to help you. The first time I tried to transfer money out of my new Citizens account, my transfer was flagged for fraud. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 929d49a8eb014b3cb262da89eff51943
encoding: FLOAT32
metadata:
{"chroma:document": "https://www.citizensbank.com/student lending/scholarship.aspx. As a ** man, why am I being denied an opportunity to help further my education? How is this not racial inequality? I'll make sure to find bank who accepts all races. Citizens should be ashamed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9363924ac8ac45d5bdc10ba58884a4f4
encoding: FLOAT32
metadata:
{"chroma:document": "I had been an HSBC customer for 15 years when Citizens bank acquired my account. I was a satisfied HSBC customer because they offered international wire transfers with online banking and a mobile app to securely manage my funds. Unfortunately, citizens bank only offers telephone banking for international customers with no way to provide us with access to our funds. Citizens provides no methods for transferring money overseas. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79dd0bc820de464f810aacfd9aae2b35
encoding: FLOAT32
metadata:
{"chroma:document": "Ex HSBC customer whose checking/credit account was transferred to Citizens Bank. Debit Card arrived 6 weeks late, followed by Credit Card. Unable to activate/use Credit Card as I don\u2019t have an SSN. No communication about this from citizens bank. Excessive hold times for a customer service advisor. Luckily I was able to open another US Bank account so if Citizens are still useless in three months time I will transfer everything from Citizens to reduce the risk that this banking transfer has created. On paper Citizens Bank looks like a really good bank. But this is let down by their abysmal customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af21139fc1f441108cef9e1159c4909b
encoding: FLOAT32
metadata:
{"chroma:document": "I reside outside of the US and I relied on monthly wire transfers to my foreign bank. Due to streamlining operations, my account was turned over to CITIZENS BANK. First impressions are important. My first interaction with CITIZENS BANK was a phone call to get some info on how they handled international wire transfs. I was greeted by a yelling man chastising me for repeated phone calls. (I guess they have a quota) I took the high road and explained I was being proactive and looking to find out about wire transfers. She asked if I had an account number. (I did not since the bank sale was still in transition). Their operator told me to call back when I had an account....not a great start."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 885be4f91beb4119ad9ea753fe12e8f0
encoding: FLOAT32
metadata:
{"chroma:document": "Am another reluctant transferee from HSBC with high frustration in the incompetence and poor service of this bank. Call center is in Costa Rica and while voices there are polite they have incomplete or inadequate training or ability to take care of customer concerns. Run don't walk from this bank. There are many others to depend on for your banking needs these days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0687e76047ab4e13aace1a16d2832e8a
encoding: FLOAT32
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{"chroma:document": "I can't think of another organization in America that has performed so poorly for so long for so many people. From what I can tell, Citizens Bank actively goes out of its way to make things difficult for the people who choose to bank with them. What's the point of having the bank locations in Stop and Shop if they also lock you out of your account without notice and have ZERO recourse when you need to take money out. I will say they do a good job of taking your money, they just haven't quite figured out how to give it back. As someone that hates everything large banks stand for, do yourself a favor, bank with BoA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d337db219d94e01a629915979bcffd6
encoding: FLOAT32
metadata:
{"chroma:document": "I was one of the few unfortunate clients of HSBC USA that got auto-transferred over to Citizens Bank in 2022. After 8 attempts to get in touch with their customer service reps, each call putting me on hold for OVER AN HOUR, I officially gave up and switched banks. The last call had me on hold for over 1 hour and 17 minutes before I just gave up. Save yourself the headache and make the switch while you can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77bee0aa1ea94ae48a2170e53f1b6966
encoding: FLOAT32
metadata:
{"chroma:document": "Stole my money, disregarded my disability, HOH, cancelled my debit card 3x without telling me, had a Gold account yet charged me exorbitant fees each month and refused to give the money back, refused to refund a check that was never cashed; had to fight them for 2 years to get it back, couldn't get access to my account for months online, gave me $1 interest on $200k, finally got rid of them after 10 years of abuse. Now with Bank of America. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25384fa62bc740cf8e8452ca50bcf72d
encoding: FLOAT32
metadata:
{"chroma:document": "I called 3 times to this bank because I made a payment on my loan early. The site updated to the next payment cycle. I checked my bank account and here are 2 payments 2 days apart. Finally on the 3rd try of contacting these place and 1 hour wait I get a representative. Explain the situation and he states, \"I'm transfer you to a loan specialist.\" He transferred right back to the automated system. In that message from the automated system you can make a payment but your payment will still be automatically deducted again on the payment date. I have no written document of this from the welcome packet I received from this bank. DON'T WASTE YOUR TIME!!!! This bank is full of crap!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dd7887e9651c45b288a624fe8ecf320c
encoding: FLOAT32
metadata:
{"chroma:document": "As a former HSBC customer, Citizens is a disaster. I am based overseas, so am unable to use mobile banking, send wire transfers, or register for Zelle. It took five weeks and numerous phone calls to get any checks. I am told by customer service that they are not a suitable bank for me, and that I should take my business elsewhere. But no US bank will let me open an account until I am physically in the USA. You would have thought that they were aware in buying the HSBC business that they were taking on international customers. Apparently not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afd07ab74263436994cd28b1e9ffc4fb
encoding: FLOAT32
metadata:
{"chroma:document": "After 12+ calls most of which were disconnected, bank did not restore records of account balance and in fact the account disappeared and apparently CB cannot find it. Do not deal with this bank - its online system combined with the incompetence of their underpaid staff is a disaster!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e64875e62113406eb25755e4a8f3413a
encoding: FLOAT32
metadata:
{"chroma:document": "If you have any other choice please do not choose this Bank for any of your financial needs. I opened an account about weeks back. I had $1000 transform to it. The next day my debit card wouldn\u2019t work. I call and call, they tell me they want to close my account. I ask if I drive to the bank about an hour away can I at least get my money. He says yes of course. I drive an hour to wait an hour to be told I need to go home. I said well I\u2019d like my money first. She said, \"Sir I don\u2019t want you to waste your time.\" For me going home empty-handed is a bigger waste of time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99055d34cfc94afdb84294fa35cb5dbd
encoding: FLOAT32
metadata:
{"chroma:document": "After 25 minutes on hold - I got a person who marginally spoke English. Not too bright and very confused - but nice. So HSBC after many terrible years had me remove all my cash elsewhere (I can't even describe the horrific Mortage experience with HSBC - but that's a different topic), One day recently - I get all kinds of Citizens notices, and checks that I have six Citizen accounts opened - 4 with zero balances and 2 with 1 and 5 cents respectively. As well overdraft accounts. Well - nobody asked me about this - so I call Citizens to close them down. After another 20 mins on the phone past the hold time - I supposedly have all but 2 closed. I need to write a check for the total of 6 cents - wait two days - and call back. A complete farce."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 229cfe215cb34d8aaf8d551e33beb3eb
encoding: FLOAT32
metadata:
{"chroma:document": "On March 1st, we received a letter from Citizens Bank indicating that we had an overdrawn account balance of -$18.74 that was supposed to have been closed several years ago. Prior to this letter, we had not received any paper or electronic statements on this account. There was no notification that the account was still open and being drawn down by monthly maintenance fees. We were under the assumption that this account was closed, as requested, over two years ago at the New Haven branch. As a Yale University employee, I opened this account for my daughter's college loan payments, because Citizens Bank has a special relationship with Yale. When I closed the account around July 2019, it had a balance of ~ $300 that I was expecting to be returned in a check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af641823658c457b8f1a931c6dbbfa79
encoding: FLOAT32
metadata:
{"chroma:document": "I got sent here because HSBC dumped all their small biz accounts. I thought it could not be any worse. But it was much worse. Transfers don\u2019t come in, outbound gets withdrawn but never get to destination. Customer service takes two hours to connect and then transfers or hangs up. I spent the whole week on calls with them and had to keep calling back to reverify details over and over for business and personal even though I only have a biz account. As soon as I can get my funds out I will close this account. Unfortunately they put limits on what you can take out. So this might take a while. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99e45afe3ca348f99ff78c48adf7b81c
encoding: FLOAT32
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{"chroma:document": "I was lured into opening checking and saving accounts. However, both manager and employees were incompetent and didn't know which account I should open. This cost me $700 and eventually with 2 useless accounts. Numerous efforts to reach out to their customer service has also failed. This bank offers worst service, no regard for its customers and utter ignorance once their work is done. I am totally dissatisfied with their service and recommend everyone to never do business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14eca784463b4d7e9b070649cc69be60
encoding: FLOAT32
metadata:
{"chroma:document": "I lived in the South and never heard of the Citizens Bank before as there are no local branches here. I get their account as my HSBC account got sold to them. I had an HSBC account just because I could withdraw from an overseas ATM machine without a fee with my HSBC account. There is no incentive for me to keep the account and so I tried to close it. First, there is no good reason for the need to call to close an account. It is 2022 now. Banks just make up reasons to keep customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 752b1fe97b0b475e88d2e19844306db9
encoding: FLOAT32
metadata:
{"chroma:document": "Changing a user ID or password shouldn't take more than few seconds in any website or phone app, except Citizens Bank online app or website, I wasted 5 hours, and tried to call them 3 times after being blocked or old password not valid anymore. Can't access my account any more, every website or application has the option to change password, (type old password, type new, confirm new password), Not Citizens Bank, you have to go through (forgot password) then type in all account information, then it let you type new password and confirm it, then it will say in red (check your information), again and again and again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2329d7910da74a5fa8c9380a938dcb84
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst Customer service you can find. You spend 6 hours on the phone trying to get through, you may or may not get disconnected constantly and have to start over. No other way to contact them. Then when you get through they transfer you to a \"specialist\" and if you don't have all you account info, \"which isn't on your account btw\" then it disconnects you and you have to start over. Waste of my time. If I had known my mortgage was going to be bought out by Citizens I would have stayed a renter. Worst company ever, no people to talk to or care you are there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 975c9a9a8e2e4a3eac68619dfcc2e3ac
encoding: FLOAT32
metadata:
{"chroma:document": "As a loyal Citizens Bank customer I was deeply offended by the treatment I received from Maria ** at Citizens Bank Office of the Chairman. I wrote a letter of complaint regarding the inability of the bank's technical department to resolve my online services issues. Rather than fixing the issue, Ms. ** demanded that I call her. After a month of leaving messages, none of which she has had the courtesy to return, the message has come through loud and clear: to the Chairman of Citizens Bank, the customer just doesn't matter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de323ff0875b448daaeb3a9d45385902
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from this technology challenged bank. It won't let me register online to pay my mortgage. I tired multiple computers and browsers. So I try calling, it is an hour wait EVERY TIME you call. First time I figure they were busy so hung up after 10min. Called back at night and since it took over an hour the mortgage department was closed. Called back in the morning and it was still an hour wait. If this is what their customer service is like, I'll never do business with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4168049892a0454c9be7f97602a42848
encoding: FLOAT32
metadata:
{"chroma:document": "This is one of the worst landing bank in the U.S. They will do the mistake and you have to take the responsibility for your payment. And they even don't care to put you in default on your credit. I will never suggest anyone to be with them. If you are on hold for customer service, good luck. They will never will pick your call or return your call even though if you on hold for more than 2 hr. Their customers services are always busy, I even don't think they have any customer service in real. Stay away from them folks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86c802cbfe9d4a9887e0744f729bdd2e
encoding: FLOAT32
metadata:
{"chroma:document": "It took almost 30 days to be denied over a factor that I should have been made aware of at the time I applied, and THE SECOND time because my first application went nowhere for almost 3 weeks despite frequent follow ups. Almost 30 days of my time and money wasted as I had to continue paying on a ridiculous student loan with egregious rates I was trying to remedy by refinancing and all to be denied when the rep who was assigned my application was clearly mentally challenged and unable to read documents or care enough to point out my ineligibility before I had them pull a SECOND hard inquiry. Worse customer service experience ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5681f4523d4340ada47879a466ae7cf1
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service stinks and I'm being very nice about it. You are on the phone waiting for one hour that is completely unacceptable. I regret opening an account at this bank. I would stay away from them period!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef6259dbe55f4b06ae0c774b4d370653
encoding: FLOAT32
metadata:
{"chroma:document": "There are no words for how inept and inefficient this bank is. Whether you're getting a mortgage, buying a CD, opening a bank account, or dealing with customer service, you will more than likely regret any and all dealings with this bank as I have. I had a business bank account at a local branch and at some point one of the bank employees told me I wasn't *allowed* to deposit checks made out to my name into my business account. He essentially made me open a 2nd account, a personal account, based on that lie."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93e5c4e99ddd4009bac83bad0ad4f413
encoding: FLOAT32
metadata:
{"chroma:document": "To begin, you have to wait for 20-30 min to talk to a customer service rep. In June I went to Hershey park. The payment for a hotel was one price, which I was agree to pay. However I had a problem and the hotel gave me some discount. It was $141 less, than original. So, I disputed the original amount to the actual, They dismissed my dispute favoring original amount. I paid the bill in the full amount of the bill. Now, in November they want me to pay additional money without any explanation. It marked as purchase adjustment. Can't talk to the dispute department. It turned out, they don't have such a department. The rep I spoke with said, that the old disputed case is closed. So, where purchase adjustment comes from."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1281e7b1ee4943cf9d34d55f73586b8f
encoding: FLOAT32
metadata:
{"chroma:document": "Today go to log on, it immediately states I've exceeded the number of log attempts allowed. Called Customer service, only get automated options. After 3 minutes of not responding, I'm transfer, stating their default reply \"experiencing unusual call volume, you will wait\". Finally get a agent in Costa Rica. Asks many questions, must now send a message on landline, I do not have call waiting so he cannot help. Ask for a supervisor, again I have to wait (supervisor is in another location). It is now 25 minutes on the call. Finally that agent returns, tells me he will transfer me to supervisor but must ask another 5 id questions. I do so, he goes to transfer me and \"tada\", I get transferred back to the original call in number and I'm back at square one of \"unusal call volume\" and messages telling me to use my mobile app. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a41e11d5c11144839187d7b67f7462e4
encoding: FLOAT32
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{"chroma:document": "I am trying to register my car here in Georgia. The DMV sent over a fax requesting a copy of the NC title so they can get me registered. I made the first attempt (Monday) to get them to fax over a copy of the title. Customers service told me to have the DMV fax over a request, which they have done twice already, still no title. I called back on Friday and spoke with a customer service rep and he tells me that they do not have the title, it was sent to NC when I purchased and registered my car there. (I know this is not True.) I then called NC DMV and the supervisor told me that is not the truth and is not how that works. She then tells me that she cannot fax over a copy to GA DMV. It has to come from the finance company. (Which I already knew)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ec4dc09e1064294b601cb383ac5e40f
encoding: FLOAT32
metadata:
{"chroma:document": "I responded to an offer for HELOC and the overall process was very sketchy. They kept asking for documentation and repeatedly over the span of 3+ months without sharing any insight. A closing was scheduled to the load (a lower number and higher interest rate), which I declined but they willfully submitted wrong information to the credit bureau."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2482a73f141e4a0ca896a680a9da0fae
encoding: FLOAT32
metadata:
{"chroma:document": "I have a checking account w/ Citizens Bank. I accidentally overdrew my account and was my card was allowed to remain active for a week (accumulating $430 in fees). I called the customer service # for help. Immediately was offended by the rep I talked to. Asked for supervisor repeatedly, finally he transferred me to a woman. Not sure this woman was in fact a supervisor! She was not much help either. Asked for her boss, to no avail. My service experience ended there. She advised me to go to a branch. When I went in the branch, I discover once again they were understaffed. No one with any authority to help me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00e1e181619544718d1ff11bd4dcc062
encoding: FLOAT32
metadata:
{"chroma:document": "First of all, it is now impossible to speak to customer service on the phone. You have to directly deal with branches. They also didn\u2019t process my closed home equity creating problems with a mortgage lender."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a133ff297ab9458b9953c0f2961e6c2c
encoding: FLOAT32
metadata:
{"chroma:document": "The branch at 152 Everett Ave, Chelsea, Massachusetts is the worst. Waiting in line for over 20 minutes to withdraw money, because drive thru machine always run out of money or mostly because it is always under repair (broken), poor customer service probably bad management. Going inside entrance of building only has one atm and has the same issues as drive thru. When branch is open there is another atm (fairly new) which runs out of money also, so wait in line 20 minutes to do a two minute transaction. So sad this location has for customer experience management needs to step up its bar. Right now it is at bottom. Good news is that it could be worse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8df0101873794b2a92d542bc45b3316f
encoding: FLOAT32
metadata:
{"chroma:document": "Has all the earmarks of a bank going out of business. 1 800 number leads you to an endless computer menu that takes you nowhere and gives you no answers. They have an online chat system but nobody answers. You go to the branch and you find all the drive-up windows boarded up. You go inside and get a few disinterested employees who do not wish to talk to you or even deal with you never mind hear about a problem with the bank. Run people. Don't walk away. Run. I am soon to be a 40-year former customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 235058cd7e744b0fb6a5d39060c0ad2e
encoding: FLOAT32
metadata:
{"chroma:document": "As per my experience, they are real stealers and loot all your earnings in a very fraudulent way. I have experienced with them for more than 20 years. Stay away from these looters. Don't give up your hard earned money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 905b97b0f0e74f7183ab9a675ad21409
encoding: FLOAT32
metadata:
{"chroma:document": "They got our names misspelled. Had a limit on how much you could transfer and yet the offer demanded a certain amount in a 10 day period, yet their limits wouldn't allow for that time period. They consistently got information wrong though, went to different branches to resolve and called helpline and talked to supervisor and still could not resolve...was a waste of time...leave your money in a different bank...you may not be able to get it out of this one!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09eae793ee4a4d6490de39c30dc706aa
encoding: FLOAT32
metadata:
{"chroma:document": "The Greenwich, CT branch has the poorest service, poorly trained staff, English is a second language at this branch. Very unlikely to recommend to anyone! They don't respond promptly to email, or telephone call backs. If a depositor has a problem, they refer you to an 800# where you can wait 30 minutes, or more to get a human voice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b38c812b78be4b8aa7bbd2bfb1de3dfd
encoding: FLOAT32
metadata:
{"chroma:document": "My father had a home equity line of credit with the company. After he passed away I tried to contact them regarding his account. Understandably they needed info from me to give me information. I supplied what they requested. When I sold the house and needed pay off information they would not give me any information after repeated phone calls and supplying the same info I provided before. They finally wanted to mail me the info I requested but I needed the payoff info for a closing not when our mail service could get me the account number from them. Very difficult to communicate with, would not put me through to a supervisor. Would not recommend them as a bank to deal with at all. My dad had problems with them over the course of his loan as well. NOT applying payments when he had proof of them being received, not returning phone calls when he tried to inquire, etc.., Customer service is very much in need of improvement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a78ae028fb44659984c3abc914a676d
encoding: FLOAT32
metadata:
{"chroma:document": "Four months ago (during April), while Covid-19 was still in the upswing, I ordered through the Uber Eats app using my Citizens Bank debit card. Three different times the Uber Eats driver brought the food cold, and then on the third time, the driver brought someone along with him who was not masked up and was not wearing gloves. The bags each time were also open, or were not properly sealed. I complained to Uber for violation of Covid-19 and health food safety policies, who refused to refund my money and instead demanded I contact the business, who then blamed it in turn on Uber. I was left with no alternative to contact my bank and file a dispute with them as a recourse."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0575637ba534a52a9358217a9c91b12
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Citizens customer for many years. I ran into an issue when my mortgage company charged me twice in one month when they were only supposed to charge me once. I called Citizens customer service and said this is my mortgage company which I had many years and I have had no issue with them previously. I just need to dispute this one charge. The rep disputed the charge and then had the three bounce check fees refunded."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5263223ac39f416fbb5382ef02d75e69
encoding: FLOAT32
metadata:
{"chroma:document": "We have our mortgage with them and every time we ask them for something. It takes them a month to process and then they would never response, and when you call them they would say it\u2019s denied for some bogus reason. Honestly if I knew this is what I\u2019d be dealing with, I would\u2019ve never bought the house."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebaf0806b3ea4575a9b2428c087d7648
encoding: FLOAT32
metadata:
{"chroma:document": "I had an issue where OnStar was allowed to take 4 payments out of our account with expired credit card info. They were denied 8 times and then Citizens let it go through on the 9th! I called the 800 # and was told that I had to cancel my debit card and get a new one. When I refused they said they \u201ccould not help me\u201d. The bank let the payment go through with expired info. Onstar sent the payment. I did nothing wrong. Why should I be the inconvenienced and has to run around and change my other auto payments? \u201cSupervisor Allan Z\u201c helped me. He was rude, not helpful and just repeated himself and He refused to give me his employee # or full name. Worst experience. Unprofessional and a wasted of time. I spent a half hour on the phone for nothing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46436982fe564ca5b24cc8d37d36b5ca
encoding: FLOAT32
metadata:
{"chroma:document": "So my son received 3 checks from Giant Eagle for a job he had there last year. The checks were mailed to him in May 2021. He deposited them in June 2021. These were payroll adjustment checks. They were dated in 2020 but had no \"valid for 180 days\" or indication that they would expire. He deposited them through the mobile app. All three were returned and he was charged 60$ by Citizens for the three checks. Two were for 5$ or less. When we went to the branch to try and reason with them they flat out said checks were no good after 180 days. If so why did they process them? Why wouldn't they reject them right away, why process them. They wouldn't explain or accept any responsibility. Of course we are disappointed. Especially disappointed at the way we were treated, as if we were dumb criminals. Time to change banks. Goodbye anticitizens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f796f61b42074f98abb46c0f36920550
encoding: FLOAT32
metadata:
{"chroma:document": "I was in the covid relief plan for 3 months last year. My hardship ended and I resumed making payments and accepted deferral on 1/13 to move the 3 payments to the end of my mortgage. I was then told that after I make my JAN payment over the phone that I would be able to resume making payments online in FEB. I was then told on 2/12 by Jade, 3/15 by Sharon, 4/13 by Denise, and 5/10 by loss mitigation the same thing, that my loan was still being restored/setup and I would be able to resume online payments \"next month\"... it is always \"next month\". I've had enough of the lies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30117a88f6e24a5f910b120c57c8aa54
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metadata:
{"chroma:document": "I have a Home Equity Line of credit with Citizens Bank. Last month I received a two party check from my insurance company and it required bank's endorsement. I mailed the check to their main office in Rhode Island by two day Priority Mail. The check was received by the bank on May 14th. It has been three weeks since the check was received and I am trying my best to trace the check but there is no trace of this check. This is a horrible bank. I was assigned a Case # ** and Ms. Madelin ** was assigned on this case. I tried to reach her on the provided number. Luckily, I was able to talk to her after five days of continuously trying. When I tried to talk to her then she disconnected the line. This is an example of their customer service. This is a terrible bank. NEVER CONDUCT ANY BUSINESS WITH THIS BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54b4c6db53ac42c0853a80be8dd077fe
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metadata:
{"chroma:document": "We have mortgaged through Citizens for the past three houses. Since we have our savings/checking through them also, going online to check your balances is so nice to have all your mortgage info available on the same page and location. The staff has always been very helpful and I believe they do have my best interest at heart. Only wish re-financing wasn't so darn costly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90a748bedb8e4724a2670570ea2e7ef9
encoding: FLOAT32
metadata:
{"chroma:document": "Multiple issues with our mortgage, which we escalated to the chairman's office, and they could still not straighten out. We've now switched mortgage just to get away from Citizens Bank. Incidentally, we had a bank account with them (part of the mortgage requirement), and the service at the local branch was amazing!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dcf749869444fbb90b1c766bafa9914
encoding: FLOAT32
metadata:
{"chroma:document": "Me & my spouse got a HELOC through Citizens. Come to find we can't use those checks at any home improvement store. We opened a checking acct. 3 weeks now I've no checks nor paperwork w acct#. Hard to contact."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbbc355e163a4fb69526bd42db1e8bfb
encoding: FLOAT32
metadata:
{"chroma:document": "My wife and I took out a student loan with Citizens Bank to cover the costs of her final semester in school. The total amount was almost $4,000, but with how they disburse the loans, there ended up being multiple separate loans. When it came time to repay the loans, my wife set up auto-pay, but unlike other companies, she had to set it up for each loan separately. One of the many loans was missed and not being paid. We started receiving \"Thank you for your payment\" emails with no other reason to be concerned. However, we were not informed through any means other than the account inbox (because everyone checks on that all the time) that one of the loans was missed. No emails, no phone calls, no physical mail, that is until the loan was already placed in delinquency. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "If I was able, I would give them zero stars. They are UNSCRUPULOUS!!! They are taking advantage of students not understanding how loans work. That however is far from the worst part. They then hand over the loan to Firstmark Services. This company has a D rating with the Better Business Bureau. Yes that is correct, a D rating!!! How thoughtful of Citizens Bank to do business with a company with this reputation. Due to that choice, it leaves their customers no choice but to deal with them as well. I thought this was a trustworthy bank but I was clearly mistaken. Please look for help with student loans else where and save yourself the hardship and hassle."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I recently made multiple purchases with by bank debit card. I checked my available balance before making each purchase. Citizens Bank encourages customers to do this via landline phone, computer, or an app. I discovered days later that purchases made on March 5th and 7th never showed up in my account. In fact, two of them still haven't shown up. The displayed amount available was actually less than stated. I then saw an overdraft for around $300. I contacted my local bank and they told me to call the 1-800 number. I spoke with three reps. ALL of them said, \"This isn't your fault, this happened because of a technical issue.\" The first rep told me that I would NOT have to pay the overdraft since this was the banks fault. The other two told me I WOULD have to pay it. I made multiple calls, got different answers or was shunted on to someone else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Citizens Bank has extremely long wait times for customer service, the Office of the Chairman when cases are escalated are ineffective and non-responsive. I had gone into the branch located in Dorchester, MA to close my Citizens account over a year ago. I only recently learned that the Branch Manager who closed the account did not do it correctly, there was a stub of 32 cents left on account and the HELOC was not properly discharged. I've spent weeks in attempts to get Citizens to look into and resolve the matter so that the accounts are closed properly. Extremely dissatisfied with the level of service, responsiveness and banking abilities. I left over 15 messages with the person who was assigned my case and have not received a response in more than a week. Their inability to perform their job correctly has ultimately impacted my ability to refinance my mortgage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d8fed28454564b34a63c3b17d6e3c8d1
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{"chroma:document": "I have been trying to reach this company for days for mortgage information. They automated everything and the callbacks are days out. If you need an answer for any issue in regards your loan... it\u2019s a waste. Wish I could change this mortgage company and I\u2019m only one month in."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Interest rate is ok. Easy to communicate. After we checked with other places, we settle with Citizens Bank. They are comparatively same with other top student loan providers. Having the same loan for two students from the same household."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This bank has been nothing but mistakes since the beginning. I opened a checking and savings... Money was placed in both accounts. Never did I have access to it and at one point they told me it did not exist although it showed on a statement. They closed it and reopened it... I guess it was the same one because it never existed on the books but yet it showed up on statements. Got a letter stating that I owed $180 in fees at $30 a plot... It was a negative balance that they created because they processed the charges that were long after deposits that were made and they were never posted so they are the ones that created the negative balance. This happened several times even though they gave me a letter and told me I was no longer in their overdraft program which they abused. I'm writing this on the day I have decided to jump ship... If you're with them you better get on the lifeboat with me before the ship sinks."}


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 not recommend Citizens Bank to anyone. In my experience, their customer service was unhelpful and unresponsive to customers' needs. Earlier this year, I noticed that my bank card was due to expire in a month. I called their customer service line to see when I would get a new bank card. I was told that it was already in the mail and not to worry because I should be receiving it within a week. I waited the week and, when I did not receive a card in the mail, I called them again. I was told the same thing as before and that it would be coming in a week. Finally, I called once more when the card was about to expire in less than a week. A third agent told me that it was in the mail and that it would be coming within a day or two. Surprise, surprise, it did not. My bank card expired and I had no way of accessing my own money in the account for a weekend. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I've been with Citizens Bank for almost a month now, I have a checking account. I dropped M&T and went to citizens. I absolutely love them! Fantastic customer service! I don't like the overdraft so well, but hey it's called keep your account out of negative then! :) I have nothing bad to say, I love the card! Bank locations are extremely near me which is very convenient and easy! (State of Delaware) I recommend them! So far so good."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6c78245a99814d2eb6dc41173ca86978
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{"chroma:document": "We have been in the process of securing a home loan in Albany NY. Home Loan officers Jason ** and Stacy ** have been dishonest, incompetent and unfit to do their jobs. They have lied to us, repeatedly asked for the same paperwork and are unable to answer any questions. What should have taken a couple of months to process is now going on 4 plus months with no end in sight. They do not return phone calls or emails. Please please go with another bank. Citizens Bank is absolutely a nightmare and these two in particular should lose their jobs for the way they treat customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fab4b6839ef64f1590cd1921ad5e5aca
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{"chroma:document": "In the time I have been with Citizens Bank a number of issues have arisen, much to my obvious dismay, but the latest is the last straw. My ex-wife in the UK died in October this year (2020). Apparently she had spent the last months of her life in Rowans Hospice, a nursing home for cancer sufferers in Portsmouth, UK, where she had been well cared for. Her son by her first marriage, set up a fund for the for the hospice to which I attempted to make a donation via the Just Giving website. However, I had an email from them saying Citizens Bank had rejected the transaction simply because they are a company in England, which the Citizens Bank fraud dept regarded as suspicious. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 584b821fe3a34c9d9889a307b7680520
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{"chroma:document": "We live in the southern country part of Delaware. Nowadays our area is booming with construction. Commercial as well as residential. The area is building literally 24/7. Our closest Citizens branch is 25 mins from home. Not a huge deal. But it becomes a larger deal when you work 6am to 4pm everyday Monday thru Saturday. That limits your options of being able to get to the bank. Yesterday I needed to get money out and was at work. So to save time and for CONVENIENCE, I wrote that in capitals because apparently Citizens Bank don\u2019t understand that word. But anyways I sent my fianc\u00e9 and stepson to go to my bank with a check that I had written for them. Cash it for me and return with the money. Upon getting there my wife goes through the drive thru and is asked to come in. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cf5c53d5fe1453ea22afc803cde35e0
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{"chroma:document": "The bank has made several mistakes and has not corrected them even after months of visiting and calling the local branch and calling the corporate office. They stopped sending me monthly statements not by my request and continued to charge me. Although I tried to correct at local bank they never did fix the mistake. They randomly linked my husband's account to mine. Then prevented payments for school Tuition from going through which quickly started to accrue fees. We would call. They would say they fixed it and it still wouldn\u2019t work. The branch refuses to take ownership. They send you to a corporate number and then you are ignored. This has gone on for many months. I have since closed my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62c614d3b4a24c16b41de94a4dc94b38
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{"chroma:document": "Nothing they offer or say is true. I received multiple mailings offering great rates saying I was pre-approved for a mortgage. I met every requirement and more for a construction loan. They were even going to match other mortgage companies' rates! Like I said, nothing they offer or say is true! After I paid $750 for an appraisal that came in extremely low, I waited weeks for replies to my emails. And when they did reply, I had to remind them of my loan details and resubmit documents I had submitted weeks earlier. Finally, silence for another month. Three months after I applied, I received an email from my mortgage salesperson saying I should apply somewhere else. Reason? They couldn't verify my income. My w2's that the government accepted for my taxes was not proof enough for them. They never intended to process or approve my loan in the first place. They took my $750 for the appraisal and they were done."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f36eca5ffed4a76ab61f4fdf2c20fa5
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{"chroma:document": "I have had Chevron/Visa card through this company for a couple of years. Never late on payments always overpaid. My limit was $1500. I paid them $1200 in June in August they lowered my limit to$330. I have 0 balance on all my other cards with other companies. I got the same lame excuse. Not enough real estate, high credit usage, etc. Unless they paid off my $458,000 home that's not true. My other cards have 0 balances. Before applying for credit anywhere make sure they don't use SYNCHRONY BANK. They did the same thing with my Sam's Club account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ba3ac08e4e14a358d2a546779a358d9
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{"chroma:document": "I really liked the branch close to me but they closed it down, and the closest branch was 25 miles away from me so I got a bank closer to home. I properly had closed my accounts in May 2020. They were trying to get me to pay service charges on the account that I had properly closed. I spent an hour on hold before and another half an hour getting the charges taken off. The gentleman who helped me was very understanding and did a great job getting the charges removed. Is this how they treat all former customers or just me?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This bank has been our bank for almost 27 years. When we moved to NH we started with them and have remained with them since. Customer Service is fantastic.  I will say during this Covid-19 it has not been always easy to reach them by phone due to high call volume, but always very helpful. Also the financial group they have is great as well. They meet with you at your appointment time, and if you do not call to make an appointment they are calling you to set one up. Great bank overall."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "During my own experience with Citizens Bank attempting to obtain a mortgage, the appraisal came in more than $40,000 lower than the value of the home. After reviewing the appraisal report, it did not take into account that the home - which is in a flood zone - was raised more than 10.6 ft into the area and was FEMA compliant. This renovation significantly reduces insurance requirements and is an expensive renovation, ranging from $50k-150k. They refused to change the appraisal and refused to refund the appraisal fee despite their obvious mistake/completely dissimilar comps. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6d9348ee49843cea0b6c5b626b21082
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{"chroma:document": "Handled by Loan Officer Jordan **. If Citizens bank believes that a preliminary deal will not go through or will not be beneficial to them, they will drop you and never follow up with you... Tried reaching out to Citizens Bank Heloc applications department because the above officer was not responding for several weeks; on hold for 1.5 hours. Called back in the morning the next day. 1 hour on hold. Sent multiple emails, called several times, left voice mails to the person above...never responded. Reached out to him a month later. Said he would follow up the next day. Did not follow up. Wasted 2 months in total because of this person and citizens bank practices. I do not like leaving bad reviews but it is not right for people to be treated this way. I would suggest to AVOID dealing with Citizens bank on any home loan products."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Deposited state govt. Unemployment check on 7/31 $2450.00. Was told funds would be available Today the 4th when I went there yesterday. NOPE never told me up front they hold all checks for 7 business days. MY other bank I deposited the $7560 was available that day instantly. I owe a friend money and now can't get it to him until the 10th. He understands the problem. JUST make sure when you open account at reg bank you get everything explained written and signed that day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "The staff in both locations I go to remember me and are always nice to me. Their financial advisor was very helpful during these crazy stock market times. I am not charged any fees but I do have a substantial balance in the bank so that might not apply for everyone. I enjoy the drive through options as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "This is THE WORST BANK IN THE STATE OF VERMONT. HORRIBLE customer service OVER AND OVER AGAIN. The people at Williston, Vermont are NOT at all helpful. This is the latest incident: My debit card has an expiration date of 08/20. I called because an online seller at the end of July said 'oh you need a new card'. So I call Williston, VT branch. The branch employee INSISTED that the debit card was good through the month of August. I explained I was LEAVING on a trip Aug. 4 and I would need to use that card. Today, Aug. 1 my card was declined at a store. So I travel 30-minutes to Citizens Bank ATM to draw out cash. GUESS WHAT? ATM will not give me my money and the branch is CLOSED. I call 800 number and the woman says 'oh your card is no good' (EXPIRED). Oh and did I say they wanted to charge me $12 to have a new card issued?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I deposited a rather large check into my account at a kiosk (COVID or else I would have been at the bank itself). The machine did not deposit the check and never returned it to me. After a lot of panic and calls to file a claim, I asked the check issuer to please go head and cancel it since I was not comfortable with a check sitting in a random ATM. I asked for Citizens to please reimburse the check issuer for the $25 cancellation fee and they refused. Told me I should have kept the claim open and not have cancelled the check. I am sorry I did not want to leave a check stuck in a machine and felt it was my duty to tell my tenant what happened and perhaps to cancel it. I am glad I have someone's best interest at heart because Citizens Bank sure does not do the same for its customers. Over and out, I will drive 45 minutes to the Chase bank to avoid giving them any of my money. I suggest you do the same."}


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 2 fraud claims on my debit card which were summarily denied. I refiled and was again denied. Was never allowed to speak with the examiner who denied my claims. Apparently Melissa ** in the office of the chairman is as high as you can go. I am 74, made none of the 10 disputed cash withdrawals, yet my bank (where Your Security is Our Priority) says I did and I am not getting my $500+ back. I have proof it couldn't have been me, but was given no opportunity to provide it. After the first 8 transactions were disputed, they sent me a new card which was immediately hacked for 2 more cash withdrawals. I am so out of that bank. Horrible experience over almost a month trying to get my money back. I am resigned that I will never see that money. Wish this bank could be stopped from continuing these predatory practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Worst mortgage experience of our life that we will be reeling from for years. Citizens Bank pulled their financing after issuing a commitment just days before our closing in late March after the Covid virus temporarily shut down our business. We had 130% of the entire purchase price in liquid savings and would have been able to make years worth of on-time monthly payments from our savings in a worst case scenario. "}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "I deposited a $5,000 check from my mom's estate account. The teller originally told me that the check would clear as a customer courtesy the next day. It did not. I called the 1-800 number and they told me I needed to call the branch manager where I deposited the check. She said the funds weren't verified. I called the next day and asked why didn't the check clear because it already cleared my mom's estate account. I was told by a person who kept saying he was a branch manager for many years that they had to protect me and the bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "If I could give 0 stars, I would do so. Avoid working with them at all costs. 3 WEEKS AGO my identity was stolen and a fraudulent account was set up through Citizens Bank using my information. I immediately alerted Citizens Bank and was given a case number and an employee dedicated to my case. 3 weeks later, I still have NONE of the issues resolved -- the account is still open and not restricted from use. I've been given ZERO information about progress on the case/investigation, and have also not received any indication of my liability for additional fraudulent activity on the account despite my multiple attempts to get this information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "If I could give zero stars I would. Reprehensible credit card company/bank. I have been a customer since 1992. I've been fortunate not to have to use any credit cards for awhile so therefore haven't charged anything. Today I received two letters in the mail (regarding two different credit cards I had with them) to tell me that my cards have been closed due to inactivity. Yes. You heard that right. I did nothing wrong. I paid every bill on time. And I received no warning letter prior to this to inform me that this might happen. They simply, undeniably pulled the rug out from under my feet. No warning at all. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "2 counterfeit checks were cashed on my account totaling 4980.00. These checks looked nothing like the real ones, no waterproof mark, my signature didn't match at all. I filed a claim with the fraud department and my claim was denied.... Reason: they cashed them in good faith and I told them too late... Now my question is... If I told them let's say a day after would they have owned up to their carelessness... Good faith??? I entrusted them with my funds in good faith."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Been with Citizens Bank credit card services for many years (5-7 years). Had not used my credit card for the past year for personal reasons. Understand credit companies have policies of closing accounts if it's not used for a certain amount of time. Almost all credit card companies will send communication BEFORE they close the account, so as a customer I am aware and perhaps motivated to use it. Citizens bank closed it, didn't tell me... I only found out b/c credit reporting alerted him. This also dinged me a little on my credit reporting. Called Citizens and their response is that it was part of my agreement when I got credit card. Again, a courtesy communication is the right thing to do...knowing it can impact credit reports. Extremely poor policy, poor response. Will never use them again and have made sure anyone I know is aware not to use them too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Great Process, Staff and overall experience. They kept me informed about process and status of every step. They kept me informed about everything to come and any materials and proofs needed. This old Veteran can't express my gratitude for this service, especially before my double transplant."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee653457dbef429186edb5548e280135
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{"chroma:document": "The rate is not reflected fast enough to whatever Federal announced. Starting rate is little better than Chase and CitiBank. Customer representatives are responding fast. That is the reason why I picked Citizens Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d08297c45fe4b85b7d6d1dc71633902
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{"chroma:document": "I just had the most unheard experience with Citizens Bank. I applied for a personal loan. I got approved after providing them with everything they asked for and signed promissory note. I logged into their site the next day and to my surprise the loan that was already approved was GONE. I called customer service and to my surprise I was informed due to their \"Final\" review where they weren't able to verify something (they refused to tell me what they couldn't verify) it was declined. Very unprofessional to approve someone, make them sign a promissory note and not even call them the next day to inform them that they changed their minds? It all seems very suspicious to me, almost like they wanted all my personal information including access to my bank accounts so they can \"direct deposit\" the funds. Very unprofessional! Stay away and save yourself the aggravation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I\u2019ve had my account for about 10 years now and they are the absolute worst bank I\u2019ve ever dealt with! The tellers at my local branch are very friendly and helpful, but, the bank policies and procedures are absolutely insane! They take forever to post transactions to the account, they take 5 business days to clear a check and they took over a month to return money to my account when someone hacked my debit card and made purchases from the west coast (I live in the east coast). Customer service center...overseas! I\u2019ve spoken to reps with such heavy accents that I can hardly understand them. My experience with them has been completely frustrating! I\u2019m waiting for some transactions to clear and I am closing my account and moving to another bank! Bye Citizens Bank!"}


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 a customer of Citizens Bank since 2005, or maybe before that. I have a checking account that I use profusely for Work direct deposit and payment of all bills. I had issues before with their predatory overdraft fees that are out of control and after complaining I got a letter from the office of the Chairman that did nothing for me. But, this is another matter."}


created_at: 2023-11-04 20:04:30
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{"chroma:document": "Do not have your lender sell your mortgage to this company. They Are highly unprofessional. They sound so uneducated. I can't believe the law allows companies to run their business with such lousy behavior practices. They should be shut down and sued!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28a05cc29a544a4695fc46846b4b9102
encoding: FLOAT32
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{"chroma:document": "Deposited Money order lunchtime. I was told it would clear overnight, but received an overdraft fee when my rent check cleared overnight. Why wasn't the deposit posted first before the rent check? Citizens bank deliberately posted the check first then the deposit, so they could charge me an overdraft fee. Of course they deny it. They should be held accountable to follow legislation put in place to govern banks - but it's not enforced."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8335e03a84d049cda62c882d940db400
encoding: FLOAT32
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{"chroma:document": "I wish I could give it zero stars, Our organization of 700 members opened a business checking account with this Bank. Our organization is a savings group. Prior to opening an account for our organization with this bank, me and my wife had a joint account in this bank, one of my friends had an account with this bank, My friend's church had a business checking with this bank plus all signatories to both our organization and the church had personal accounts with this bank, that's part of the reason we thought we would open an account for the organization."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 69b9059aa3a44b4c9807b05244dd610e
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{"chroma:document": "I had funds in a business banking account and had enough in it to avoid any charges for a low balance. I have two accounts, personal and business. I get plenty of correspondence from the personal account such as if there is an overdraft fee but nothing from the business account at all. The bank, according to its policies, has been removing $5 per month for quite a while because the account is \"inactive\". That added up to over $1400. It seems like and totally in my opinion there is an algorithm that says for inactive accounts do not send any information to the account holder so that accounts are bled dry. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66ecb3ec999240c4987877303e343360
encoding: FLOAT32
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{"chroma:document": "I got a credit card with Citizens Bank because the cashback percentage was high. I quickly realized that it wasn't worth it. They list your \"pending transactions\" in such a confusing way, all mixed in with your cleared transactions. I could never figure out how my balance had been calculated. I decided to redeem my rewards, then freeze or cancel the card. But you can only redeem your points to a card credit, forcing me to keep using it. The other option was to transfer points to a Citizens bank account. I will not be opening one of those! This taught me to stay with the big, known banks. If it seems too good to be true, it probably is."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e409e5e3ec64642afd3463e6beebf3f
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{"chroma:document": "I didn't realize so many other people had the same bad experiences as I have been having...Citizens likes to post your transactions out of order when they know your balance is low or wait to post deposits or any transactions for days so that your account balance goes \"negative\" and they charge you a $35 fee for each \"overdraft\" and a $12 fee for moving the money out of your overdraft protection account. As soon as a few of my payments clear, I am finally closing the account and moving to another bank after being a sucker for years. They have made their money on me so now I'll take mine elsewhere. Too bad my old bank was bought out by Citizens because I liked them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efe44cb02b4e45998b01de7dc55b2104
encoding: FLOAT32
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{"chroma:document": "You can make a purchase and since it doesn't show up until days later you have no clue what your balance is. I honestly think they do the on purpose for the reason if you go negative they can reap in the interest and late charge fees plus overdraft fees. I've seen others say the exact same thing posted over a year ago and they still haven't fixed the issues. I am about fed up! Next pay I will be going to another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5a2f7b783af407092b152f912647b8d
encoding: FLOAT32
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{"chroma:document": "I paid off my home equity loan last month. This month I got a bill from Citizens Bank for 4 cents. 4 cents. I called them to ask about this because I thought I paid them in full. After waiting 40 minutes on the phone I was told if I want to close the account it will cost me $54. So I sent them a check for 4 cents. Will keep you posted."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17ee0639695a4a95afb97bde95c09a29
encoding: FLOAT32
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{"chroma:document": "I have been a customer of Citizens Bank now for 3 years. I keep very good records of what I spend and keep a watchful eye with a daily screenshot of my account because I'm short $20 to $40 per week and am tired of it. I have questioned the bank numerous times to no avail. They are right and I am wrong. There is also a fee of $68. to close out an account. There is a fee for everything. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2afe7834aad842759c49d43d10119c7f
encoding: FLOAT32
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{"chroma:document": "Hi, Trying to get a mortgage contingency date met. It seems it's not going to make it on time because of not so timely and not so good underwriters. They piece mail you to death getting information, and then when they have everything they don't seem to fully understand what they are looking at. They ask for more information, but it's information already provided to them. Horrible experience so far. Not sure if I can switch to a new bank at this point. Based on my experience, I would say avoid Citizens Bank especially if you don't have time to screw around. In my life I've obtained a number of mortgages through purchase and refinancing with various banks. This is by far the worst experience solely because of the underwriters. Stay away!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5205ff8ea414b68a700cbfc9f7e5a15
encoding: FLOAT32
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{"chroma:document": "I received a promotion flyer in the mail: Get $400 to open a new account. I opened the account and arranged my payroll compensation to go in to it. Having met the requirements, I called about the \"bonus\". Long story short, after a dozen phone calls and being put off and given different reasons, \"after 60 days\", \"90 days after you open the account\", \"90 days after you made the required deposit\". Now I'm told, \"it's only for new customers\"!!! The only way the have my name and address is because I'm a current customer!! Not one of the associates I spoke with one the phone nor in the branch ever noted such AND it's not on the promotional flyer! Citizens Bank are a bunch of SCAMMERS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aaf3019cab494feea47fc51f74329ce7
encoding: FLOAT32
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{"chroma:document": "I actually got a late charge on my first cycle because I paid my card too early. If I did that on any other card I have have, it would have just been taken care of. The first woman in customer service was a b....ummm unpleasant person, I actually had to call my banker and then I was told it was taken care of. Well, it wasn't the next month, late charge because of the first payment that I overpaid the minimum due but was too early was listed as not paid, so that unpleasant person set me up. So I called customer service again, the woman was nice but useless...so I just paid the $35.00 late fee and said I would never ever use this card. Also, their website is set up to deceive you. If you have a promotional plan, don't you expect to see details, like the expiration date of the promotion? No, can't find it on the site, you have to call. I cannot recommend this card at all, in fact I warn you against it...beware. Citizens Bank you owe me $35.00."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 463b89d729af4ecdb1f42bf9b83b7cd1
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{"chroma:document": "October 28th, 2019. I have been online banking at Citizens Bank for several years with only one real problem. The online banking is \u201cdown\u201d far too often. After all, that defeats the whole purpose of online banking. So many times I had to wait till the next day to pay a bill. Transfer funds, etc.. Annoying. I always make check deposits via Citizens Mobile App. Usually no problems. However, yesterday morning I attempted to deposit checks. I got an error message stating that the service is unavailable, try later. I did; an hour later, two hours later, several hours later, again last evening several times, and by noon today I was getting REALLY annoyed. I have multiple checks to deposit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05aab08540ba4f1e96f79b694f9febf0
encoding: FLOAT32
metadata:
{"chroma:document": "I deposited a payroll check and a 10 day hold was placed on the check with the bank saying they were unable to verify funds or check validity. I called the issuing bank and the business accountant - there was no issue with the check. I called customer service and my local branch asking if they could please speak with the local bank, who could verify the validity of the check. They refused. Cut to a week later, the issuing bank said the check cleared and funds were sent to Citizens. Despite the check being valid, and the funds reaching Citizens, they STILL refuse to release the hold. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15a63c41266a452d92ae1b3f32eb0cec
encoding: FLOAT32
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{"chroma:document": "Paid off an RV loan after 11 good years. Received title and payoff letter, sold the RV, 40 days later they hit my credit and said I owed them $238 more. Paid them $238 and Received another payoff letter. Then they sent me a check for $238, from the CHAIRMAN'S office stating it was a show of good faith, but got a call a week later that they made a mistake and the check was canceled. 16 calls total, 4 cases opened and they say we are square.... I don't believe it. Stay Away from this Bank, they don't know what they are doing, even the \"Chairman.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a8b20ad4f0f43bca6f1e0095b796015
encoding: FLOAT32
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{"chroma:document": "I had multiple fraud problems and this last one they are refusing to refund me almost $2000! They said with a business checking I should be checking my account every 24 hours. I noticed about a month after the fraud took place as I don't even use this account and they are refusing my claim! Shame on them for failing to protect my money and not refunding me! I literally used this account one time to order checks. How can fraud take place!?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3117296772a44c688775799af703cdb6
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{"chroma:document": "Had a student loan that was defaulted and transferred to Citizens Bank back in 2016. Apparently Citizens Bank never filed the proper paperwork with the credit bureaus at that time. Fast forward about 4 years and out of the blue last month, my credit score drops 93 points due to my citizens bank student loan. Upon contacting the chairman's office at citizens, I was literally told \"we don't know what happened\". I have not gotten any updates, my phone calls and voicemails went ignored for three weeks until I finally went through a different channel... Still no ownership or explanation about my account though..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d59f327949ce4ed7a5d6102030a412fa
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{"chroma:document": "Discovered five days prior to a mortgage refinance closing that my Citizen's Home Equity was never discharged at the registry of deeds which was paid off approx 10 years ago. After numerous phone transfers finally got to the correct department who took the information and assigned a case number. I called back 2 days later, was told that the discharge was mailed to my mailing address and would receive in 5-7 days. Ok, great! Asked if they could fax or email a copy to my closing attorney so I could close when scheduled. \"I'm sorry we cannot do that you will have to wait for the original in the mail.\" Asked if they could send a copy to the closest branch and I could go in and pick it up, same reply. So here I am, waiting for the document and had to cancel my closing. All my closing attorney needed to close was \"proof\" that I would be receiving the original. Customer Service is awful, exactly why I left as a customer 10 years ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e80e30a72c184ef6a2d205a7dd194410
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{"chroma:document": "Deposit a check on checking account and they told me for suspicious reason the check was on hold for 90 days. They did not want to hear anything about it. not helpful at all. Will definitely close my account after this situation is solved. I do not recommend this bank to anyone. Poor customer service"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 057ef387d6e742dca24fcf425dbfb4e5
encoding: FLOAT32
metadata:
{"chroma:document": "I was victim of a scammer. As a result, I deposited a fraudulent check on my account. The check bounced and the bank charged me a $20 fee and closed my account. I went into the bank branch of Pawtucket to explain that I reported the scam to the police and to the Federal Trade Commission, that I was a victim and not my fault that the check was not good. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8094725c0c4a45ebaf5f69a0caa40548
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{"chroma:document": "I deposited a retirement loan check into my account drawn off Prudential on 9/9. My account was locked down for fraud due to the check on 9/14. My check card was deactivated and I was unable to gain access to my existing funds in my savings or checking. Customer service transferred me to fraud card services who told me they couldn't assist me. I called back through customer service and asked for account fraud services. I was told by the foreign rep that he could not lift the hold due to the fact my account is under investigation. He said the check is on hold and it could take up to 2 to 22 days to resolve. The funds that I had available, prior to the check is also frozen. Thankfully this isnt my primary checking account or I would up the creek. Once this account is off hold, I am closing all my accounts and transferring my money back to Webster. Hate this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 277f758c33154c5ebd95f0bcd59c95bd
encoding: FLOAT32
metadata:
{"chroma:document": "My payroll check was deposited a week ago and there's a 10 day hold because the bank on the check hasn't verified funds. Citizens bank it's your responsibility as a business to verify the funds, meanwhile I starve while I wait on people not doing their job correctly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6dbe1679f2554f4589517b2ace493663
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{"chroma:document": "My husband and I opened a checking account upon moving to Elizabethton, TN. I used the online bill pay after our initial deposit cleared (9 days-which was ridiculous on its own merits). The bills were all set up for payment on 8/5/19. A couple of the bills were paid semi-promptly, however most were not processed for a couple of weeks and one was not processed at all. It showed \u201cpaid\u201d but money was not removed from our account and then I was notified we incurred a late fee. I went in person to the bank to try and clear this up but was told my husband was \u201cprimary\u201d and he would need to come in. I assumed incorrectly I guess, that this was a joint account. This account will soon be closed once we can get our direct deposits changed...again. Online banking is terrible. My advice is try another bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d725278574b1429e81b84ea00e47ba26
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{"chroma:document": "We paid off our HELOC in the end of December last year. We discovered that the bank has not filed the release of deed in August 2019 (almost 8 month after we paid off). We sold the property on Aug 15, however, the buyer's lawyer is holding some proceed money since he can't obtain the proof that should be filed by the Citizens Bank from the county office! We spoke with Cape Cod regional manager about a week ago. She told us that she would escalate to Office of the Chairman and we should hear from them in 2 days. It has been almost a week since we were told that the office would contact us. Our lawyer whom we gave the power of the attorney has been working on this with the bank since the beginning of August and he has no luck so far!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e899043d542a4dc6b8912d4f7f48ad51
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{"chroma:document": "While other banks responded in a timely manner, many of them in a matter of minutes, Citizens Bank took approximately 3 days to render a response. They also pulled a \"bait and switch\" tactic for APR rates and were not as transparent as other institutions."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11f49b75c9d74a218285cec527128d10
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metadata:
{"chroma:document": "I love the staff; they always make you feel like family. If I have a problem they always make sure they solve it. One of the things I don't like is on Fridays around lunch (the busiest time) they only have two people working the front."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 085ca9acfd234d37bf82020ea90ed9b9
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{"chroma:document": "I've been on hold for over 1 hour. Finally a foreigner who I could barely understand answers the call. Then they switch me to another dept. On hold there for a while, then they interrupt the call for me to leave my call back number, and now I'm waiting for a call back. THIS IS CUSTOMER SERVICE?? If I could rate them -5 stars I would. I guess their time and bottom line is most important and their customers can just go pound salt. After this experience we're going to refi and pay this off. Hey Citizens Bank - YOU go pound salt! Key Bank NEVER treats us like this and is fast, respectful, and friendly. Their hold times are practically non-existent. Same for Quicken Loans. I will NEVER do business with this bank again once our loan gets paid off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 70ad042977744679ab2cfb08aafe7a09
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an account with this bank for a very long time. I have never been in the low balance category or had any problems that have not been fixed to my satisfaction. However, many things have happened that have caused me to consider a migration to another bank. I will try to keep this short. Years ago my card got shut off automatically due to a fraud charge. Happy about that. That's what I want them to do. I was told I had to wait a few days for all the pending transactions to come in to claim everything. For 3 days new fraudulent charges kept coming in even though there was nothing showing in the system or on my account online. All that money was put back but what concerns me is that the lady at the other end of the line, several escalations up, couldn't explain it and said it should not be happening, etc. I let that pass."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8350973d310f4feb9b3d16a37c4d82da
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{"chroma:document": "I requested a release of lien for a loan paid in full in April of 2012 on a property sold in June 2019, sent paperwork requested 3 times. I am still waiting in August 2019. I am unable to touch proceeds from sale because of this incompetence."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44d59ca9ca0c4469b71181e8ba9584a4
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{"chroma:document": "I\u2019ve been a Citizens Bank customer for 4 years now and I literally don\u2019t have one good thing to say about them. They never ever alert you when your account goes into overdraft when they supposedly set up text or email alerts (that was 3 phone calls ago and still haven\u2019t gotten any notification..) They find little way to take your money. Always. They are absolutely rude on the phone. If you have the app, DELETE IT! It\u2019s useless because it never updates the same day, OR something gets taken out the same day and doesn\u2019t show, then sets you into overdraft. But yanno, getting the text alerts would\u2019ve let me know the same day, rather than letting me know, \"Hey we will charge you $35 by tonight if you don\u2019t put the money in to get it right.\" Worst bank ever. Will be taking my business somewhere else. This is one of those banks that will soon go bankrupt."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f53258d86444349b033c42e0292c9bc
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{"chroma:document": "I have had a checking account with this bank for years. I had a refund check from Synchrony Bank and deposited it it my Citizens' checking account 5 days ago. It was for about $4700.00. I was told by some moron at Citizens that the check could not clear because they could not get it verified by Synchrony. I called Synchrony and told me they don't know what they are talking about. I was told by Citizens that I would have to wait another week for my check to clear. I have never seen this in my life. It is a bank check. What's the problem. I will never deposit ANYTHING into this account again. I need this money to pay bills. NEVER AGAIN. THESE PEOPLE ARE CROOKS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f49d84317f1421c8babde4efecbd9ae
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{"chroma:document": "Walked in to 1880 Mineral Spring branch in North Providence. Waited for assistance on an issue with my checking account. Was received by **. and when I explained my situation was completely unhelpful and rude in her tone. Ended up calling 800 number and they resolved it after waiting 30 minutes on hold. I'm a customer of the bank for 8 years with both business and personal lines as well as having recommended numerous family members and others to the bank. Everyone should be treated the same though she didn't know I was a high value customer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec524d0078354745a5e70bc2f7741505
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been banking Citizens Bank for over two years now And I have never been happy about it. The overdraft program is supposed to keep you from overdraft your account. But every time I turn around I\u2019m being hit with overdraft charges. The agent explained to me that the program only works if you're using the card but recurring payments don\u2019t apply. But I feel if I can\u2019t overdraft the account how could someone else. Clearly that\u2019s how citizens get paid by not explaining completely about what the overdraft program protects.. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a474427e128c4b66b54583aa8da888e6
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{"chroma:document": "I spent the last 1.25 hours on the phone or on the website trying to just CHANGE my password!!!! It should NOT be this difficult! Now I get an error that says \"The information you requested could not be displayed. Please select \"Go Back\" and try again.\" And the site no longer recognizes my ID or PASSWORD!!!! Wait on hold for another 20 mins to get a stupid \"supervisor\" girl who insists on my giving her my cell number to change it because it's \"required\". (NO. THEY ARE NOT GETTING MY CELL NUMBER!!!!) So now I'm locked out of online banking, missed school classes today because it's too late for me to go in now, ruined my week because I need to go and make up classes on my day off ALL BECAUSE I WANTED TO CHANGE A PASSWORD!!!! I'm closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a255924089541ab808b0ef6374a9e63
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{"chroma:document": "Went for a refinance with Citizens having a lower 800 credit score, plenty of income, all my files sent in diligently and electronically and over $330G in equity... 4 months later and still no closing in sight and lost my lock-in rate (now paying an 1/8 of a point higher with another bank). Original Mortgage Originator quit the bank, assigned to his manager that was slow and did not communicate at all, after complaining to CFPB I was assigned a \"corporate advocate\", who also never communicated and fell off the face of the earth and now I am filing complaints with Dept. of State, Federal Reserve and BBB. Stay clear from Citizens Bank and go with a mortgage person that communicates well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec4c0019d5504f33b48b628c9cd184ba
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{"chroma:document": "I was approved for a Citizens credit card on 6/7/19 and was told the standard line the card would arrive in 7-10 business days. After MORE than the standard 10 days (7/2/19), I called Citizens again to let them know I still had not received the card. This was followed up with a guaranteed overnight delivery via FedEx that should arrive by 7/3 but at the latest 7/5/19 (due to the holiday). Both of those dates came and went and I still did not received the card. Now today (7/8/19), I called again to say I never received the credit card sent through OVERNIGHT mail back on 7/3/19."}


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 had an account for over a year with them. I've been noticing that they will process debits first, before they process deposits.. which oftentimes can make your account go into the negative. And this doesn't show up when you check online. If you rely on online banking, you're scr*w*d. The last time my account went negative, I went into the branch and successfully argued for them to remove the overdraft fee, because the only reason I went negative was they did not process my deposit till after 5p. So my account went negative before bank closing, even though I made my deposit before 8, which is when the ATM says deposits will be processed same day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe74ede21c174337b3a6b2d67b003c43
encoding: FLOAT32
metadata:
{"chroma:document": "I have banked with this bank for well over 20 years. I have used online banking for the last 6 plus years. They will no longer allow me to pay my home equity loan, which is with this bank, from my checking account, which is also with this bank. After many hours on the phone, they still refuse to fix their problem. Their solution is for me to go into the bank and pay it out of the same account thru the teller. Ridiculous. The only thing I can figure is they have no knowledge of their own online banking system. Needless to say we are leaving this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58d020131dbf425ead817e58395fccd2
encoding: FLOAT32
metadata:
{"chroma:document": "They literally screwed, such as inappropriately charging me interesting, restricting my cash back services, rude customer service representatives and other things that I don't really feel like going through all of it, but what I'll say is you bank with them at your own risk."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3f5634c615349bc9cb5adf259087832
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{"chroma:document": "I got an auto loan through this company. The dealership got it for me. Their website and app to pay my loan were very glitchy in the first place. Once I traded the vehicle in, the dealership took a while to send them the payoff. I informed them I had traded the car in, but they still added me as having made a late payment on my credit report even after I traded the car in. They also refused to remove it from my credit report and were pretty rude about the entire ordeal."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b359425574bc4dc9af1d70e5b0dba2af
encoding: FLOAT32
metadata:
{"chroma:document": "They make any excuse to steal your money, then when you call about it they say \"I'm sorry for all the misleading information. I don\u2019t know why they would give you that information.\" Now I know why they got Sued and lost. Sad that they're still playing the same games after the fact. Read all the reviews before you even think about opening an account with them. You will be regretting it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a90d6d39da3d4cbb9849a826d27f303b
encoding: FLOAT32
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{"chroma:document": "I had suspicious activity on my account, called immediately. They cancelled my debit card, overnighted a new one. Fraud continued, 4 more calls, overdraft charges. It had nothing to do with card. It was the account. I'm out over $450. They tell me in a few weeks once they investigate it will be corrected. Why do I have to wait a few weeks? I've never reported fraud to them before, a customer for over 20 years. I think the money would be a very small impact to them. I was disconnected, hung up, no customer service. Typically spoke to India. It was a horrible experience and now I'm changing my bank!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: beee37c9911a497b976e7c99f9e18985
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an online CD account in January, no assistance from any actual employees, I did all the work to open the account and deposit my money. In March, I lost my job. In May, 1 month before starting my new job, realized I was slightly shy on cash and called to access some of the cash, but intending to keep the majority in the account - even open a new one. They wouldn't do partial anything, and the penalty cut into the principal amount. When they suggested I provide documentation to substantiate the hardship, all they can accept is hard copies. So, I do the work online to send in my money and the only way to retain it in a hardship is to spend money and send you hard copy of personal information by snail mail?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e89cd19c1bd5424c8d9efb6eb3f9bd14
encoding: FLOAT32
metadata:
{"chroma:document": "I was charged fee after fee when trying to close my account!!!! The root of this problem is their super lame mobile app that didn't show the amount of money that I had in real time even though I have checked if I had outstanding payments. Do not bank with them. Period."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f367c6dc40df4c639c8e5489dc0cc80b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this account 4 months. I swear if I even look at my card, I incur a fee. My major issue is I get the same deposits on the same days every single month. I signed my electric bill up for bill pay. Well they processed the bill payment before they posted my direct deposit. They then didn't pay my electric bill but charged me 70.00 in overdraft fees. The electric company then charged me 35.00 for the returned check and now I cannot write a check to them for a year. I am in a fee nightmare. They charge money to get a paper statement last month so I was in the negative. I have news for them, no more money is going into that account EVER. Already cut the card up. I also never received the 400.00 I was supposed to get after opening my account. Even though I went over the direct deposit amount needed in 60 days to receive the 400.00. DO NOT GET AN ACCOUNT HERE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 743baa3403f34b4a9ddd29f9c9d61bd6
encoding: FLOAT32
metadata:
{"chroma:document": "I have a mortgage loan with Citizens Bank. That process was seamless. Fast forward a couple of months, my escrow payments are not correct. I am paying significantly higher than what I need. I have been calling and calling and have not been able to speak with anyone! On numerous occasions I have been on hold for 30, an hour even two hours!!!! THIS IS HORRIBLE. They are taking my money and now I cannot talk to anyone to fix this issue. DO NOT OPEN AN ACCOUNT WITH THEM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a464011586342bfac136abe517bd935
encoding: FLOAT32
metadata:
{"chroma:document": "I have spent the last 1 1/2 years trying to close an account. I have made multiple trips to branches and multiple calls over the phone. After a year of no bills and multiple assurances that the account was closed I received a new bill for $125. I then spent half an hour on the phone speaking with incompetent people. I would suggest running the other way in order to avoid dealing with these people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1f46cdfa1af4ae2a0a77ea382c5529a
encoding: FLOAT32
metadata:
{"chroma:document": "Had an account with them since 2013. 6 years later they just debited almost $200 from my savings stating I owed them for a \"charge off\" on my account. No notice, no letter, no phone call. When I called the customer service they put me in touch with the recovery line. They stated they didn't have a current address or phone number on me which is a complete LIE!!!! Any overdrafts are promptly paid and I owed them nothing. Go into branches all the time and nothing said. Needless to say I will close my account tomorrow after my direct deposit posts. I will also file a complaint with FDIC. Going to a credit union. This isn't ok!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fa201cbf66aa41a1ae6c6556182fbd90
encoding: FLOAT32
metadata:
{"chroma:document": "Been traveling abroad for the past 12 years with Citizens bank as my desired credit card of choice until recently. Typically I would phone a Citizens rep to report my travel destinations, they would ask for info to confirm my identity and I would provide that information. On this one occasion - after 12 years of traveling abroad - the rep stated he would need to verify my identity via text message. As I explained I'm using a mobile not registered with the bank (mobile phone typically used when traveling internationally) and if needed, I can verify all personal info including the exact amount of my last transaction. The representative denied my request to note my card for travel even after consulting with a supervisor. Fortunately for me I had second credit card on hand and was able to note that card of my travel dates and countries (ALL AUTOMATED) in less than 5 minutes. Needless to say I will close ALL accounts with Citizens as soon as I step foot back on American soil."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12718a5fcfe74a37b1386dd6a3253775
encoding: FLOAT32
metadata:
{"chroma:document": "There have been issue since the first week I opened an account. I opened a new account and had to wait a 10 days for the card. Fine, no problem but the card comes in my name is incorrect on the card so it can\u2019t be used. Fast forward a few months and they call me to tell me there has been fraudulent activity and they cancel my card and and tell me I\u2019ll need to update all my payments that come out automatically. I didn\u2019t receive the card for over a month. On top of that I removed my money from that account to another I have there and I\u2019m charged an overdraft fee because my payments that they told me would need to be updated are still coming out. I can understand paying for the things that were taken out automatically but you would think they would refund me the overdraft fees for giving me false information. Nope, still requires to pay them as well. I\u2019m definitely closing my accounts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a1080747a6c45aabaccccf4df6707e9
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with them, didn\u2019t have any issues at first. Once I set up online banking with them and I started watching everything I noticed fraudulent charges on my account some in which were out of country, never been out of country nor bought anything out of country. So I called them. They would freeze and deactivate my old debit which I was thinking good, until they kept sending my debit card to the wrong address. I opened my account in the branch in the town I lived in. The first 1 I ever got was sent to the right address then they kept sending a new to wrong address, I had to call multiple times about fraud so they kept repeating this over and over again and mailing my new card to wrong address. I had to keep calling FedEx to bring it back to their station so I could pick up up. I still kept getting fraud charges on my account, so I finally had it with them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d52028c55994a3da3b3df14fe87123f
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{"chroma:document": "If I could give this bank a 0 I would. The bank teller Jeffry at the Lower Burrell PA branch is a sarcastic, condescending jerk. Instead of explaining in a professional manner why they can't answer a simple question about MY account he gets condescending and treats you like an idiot. Absolutely REFUSES to show you on a computer at the branch how to set up online banking. Gives you an 800 number to call customer service who tells you to go to the branch for help. Now he's REFUSING to deposit my checks when there's money in the other account from where it's coming from to cover it. It's a HUGE runaround. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 699ad49d18874f0f963f8d9f63519d45
encoding: FLOAT32
metadata:
{"chroma:document": "The bank is living before the stone age. I started with them because of great mortgage loan rates. (Better than my other Banks). My first month I try to pay my mortgage from my account & every time I do it keeps sending me to another site. It wants me to sign up so I do but it won't let me without approval. This is on a weekend (my days off). I search around & can only get approval when I'm at work but my company is strict on personal phone use at work. The whole process was a big hassle. I get signed up & you have to jump through hoops for a password, but I still can't pay my mortgage through my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e327229ce42e44d9bf18aeb43808fad9
encoding: FLOAT32
metadata:
{"chroma:document": "When calling Citizens Bank Cust Service line, you are on hold each and every time for at least 5 mins! The call is answered by an overseas office - India in my case - and the language barrier makes it impossible to have a quick and easy call after waiting for someone to pick up. I have asked to be transferred to an American office and have been left holding for another 15 mins with NO ONE picking up the line. All of this in the middle of my work day. After calling back AGAIN - I was forced to speak to a person in India who, after being put on hold once again, was not able to understand nor correct the issue I was having. He just kept repeating the same sentences over and over again. I am through with Citizens. There are so many companies wanting to pay me $300-$400 to open a checking account with them. It is now time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d53de9def8de46c4ab14d6fe2ce5137c
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{"chroma:document": "A fraudulent charge was made in another state (GA - I live in MN) at a Mariott Hotel for $980 OVER my limit. Not only should the charge have been declined by Citizens, but it should have rung alarm bells and been reported immediately to me as being a strange charge. Ten years back, Bank Of America, notified me immediately by phone about a charge made in the UK and also IMMEDIATELY refunded the amount to my card. Their mistake, their cost."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08a670a9f5e843ada4ff3302c891ffaf
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had so many issues with a bank as I am having with the Citizens Bank in Newtonville. I opened an account for my 16-year-old daughter with Jay the manager well over 3 months ago and Jay has misinformed me from the day I met him. The promotion offered to me, required one direct deposit of $1,000 to get $400 (below screenshot) which I complied with. To qualify for a new checking bonus you must open your first new personal checking account, excluding Student Checking, between 1/31/19 and 5/16/19 and have at least one single direct deposit post to your new checking account by the date stated in the table below based on your account open date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8939b4e4d1f34d1f90e23bdc52fa0d86
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Citizens Bank for over fifteen years, checking, savings, home equity loan. Ten years never made a late payment to this bank or any other creditors of mine. I put a payment in and it was one day late. This bank reported me to my credit report. I have always maintained a 100 percent on time payment on my credit reports with all my credit cards and car loans. Now because I was one day off, without any phone calls or warnings from Citizens. They reported me and my credit score dropped 50 points and I no longer have a perfect payment history. This bank had no care for their clients. I will pass my experience off to everyone I meet. Hopefully I can put a little dent in their reputation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbbf1a9d19ec431b8b42e2cf73e95921
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{"chroma:document": "**, Bart **. Worst customer service agent I have ever dealt with in my life. Wouldn't even work with us or try to help us with a refinance. Told us go with the other guys because the other companies said they would approve us but he was having a hard time doing so, so he basically brushed me off. What the heck is that? Crazy. I am glad we didn't go with them anyways, what a joke."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56353f490dcf4fe6a5d17fb58a813aac
encoding: FLOAT32
metadata:
{"chroma:document": "They sent me a misleading letter saying it was 0% for 15 months. I opened an account. It gave me a low limit, thank god because they charged me interest rate. Also this bank online website is terrible. Eventually I got no apologies about the misleading rate and I went ahead and just shut down the account. Don't use them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f11fc277c5e455e83a0ebe3d2bd09a3
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{"chroma:document": "This is the absolute worst bank I have ever had an experience with. They do not give one single ** about you or your money. I had $11 in my account and someone UNAUTHORIZED attempted to take out $975\u2026 and this ** place let them! So I am now down over $1000 because of this banks carelessness. No one called me. No one locked my card. They didn\u2019t find it suspicious. I have never spent that much money in one rip in my entire life. When I called them about it they couldn\u2019t have given a ** less. This entire company is ** and so are the people that run it. ** every single one of you. You just lost a customer of 3 years and I will never ** recommend you ** to anybody."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2528c6ec455f4d5499d4e17d8bbc4332
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{"chroma:document": "Was sent multiple letters about refinancing my home. I inquired about this product at a local branch they sent my information to the mortgage lender in State College PA. The finance officer emails an approval letter then asks for employment information. The loan officer stated since I\u2019m self employed that most banks considered people like us second rate citizens which I found offensive. So anyone who is self employed don\u2019t bother wasting your time with this bank. You\u2019ll get nothing but a back door insult."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3083e010f6534c31ac7d6728441d90a7
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metadata:
{"chroma:document": "Opened account and wasnt aware had to direct deposit to get bonus. Worst banking experience I ever received. Misleading just to get a customer. Didn't offer any other solution. Didn't think business was this bad to lie to customers. I wouldn't recommend this bank to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0617acf5e8fe45a7b92d89276ad8771b
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{"chroma:document": "My mother died about one and one half weeks ago. I was POD (payable on death) of her 4 accounts. I had valid death certificate from Funeral Home with raised seal. Went into branch with my photo ID (license) and was REFUSED service. The woman was rude and uncaring. Didn't even say she was sorry my mother was dead! And would NOT let me take over the accounts or get my money. I was very upset. Went to M&T and they were great. Completely different attitude. Don't try to get your money if you are a beneficiary because they will give you a hard time. I had to call my estate lawyer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e1d0253f71a45ca842a768a66057761
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{"chroma:document": "I've hated this bank since the day I've opened it, I had a bank to bank transfer and the damn thing didnt get approved for over a week then we tried to deposit so instead of putting the money in my account I went negative a few thousand and was charged overdraft which then they closed my damn account! Ugh I'm so frustrated for Christ's sake I couldn't even cash my work Paychex check without waiting a week for the damn thing to deposit in my account and while all that deposit chaos was going on they put the little money I did have on hold and froze my whole account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 735ac3a6281446b88b933f1fd997e509
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{"chroma:document": "My wife went to branch to close an account she no longer needed. Instead, they closed an account in my name only that I have my SS deposited into. Luckily I checked my account online and found it closed. My check was due in about 10 days, had I not checked my account my SS check deposit would have been returned. That would mean no food or bill paying for a month. They blamed my wife because she signed the slip the teller gave her. Stupid error - the account didn't have her name on it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6d842f055fe4f98bd864a7532d4bd87
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{"chroma:document": "I have never had so many issues paying a bill. Just signed up a car loan with them. First when you pay a bill online, you have to omit the first two zeros of the account number to sign up. I understand most companies do this, but there are 6 zeros, so how would I know to only omit the first 2. I only found out when I called in. Then their service doesn't work on mobile. Glitches all around. Then on an actual computer, still issues logging in. Finally paid, but hours later. I will be switching to another auto finance company that avoids making this so complicated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52f553fb6f124fe99079fdab70c2fa6c
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{"chroma:document": "I ordered checks from a branch I was told they would be $9.99 when I check my account a week later I seen they cost $27.I called customer service was told I would be refunded for the checks and any overdraft fees. Had to argue with a manager they will only refund you a overdraft fee once a year. Seems nobody ever knows what the policies or rules are. They are all over the place. I WILL BE CLOSING MY ACCOUNT!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81330eac52004d419ecedea6c2c6c2ad
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{"chroma:document": "So, if you sign up for text/e-mail messages when you 'accidentally' overdraft, you would expect to be notified the DAY of overdraft right? Wrong. They are so kind to let you know AFTER they charge you overdraft fees. Thank you Citizens - a day late and dollar short is truly 'customer service'; NOT."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3ad68b3b82a4c17beeefeabedaad314
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{"chroma:document": "It seems like whoever takes the call in the student loan department has no knowledge of what is being asked and they immediately transfer you to the next person. This goes on from person to person until someone gives you an inaccurate answer. If you call 3 times, you will get 3 different responses from each one of them. My son took out a student loan from them but he did not need the money because he got a lot of scholarships. We called them several times not to disburse the loan to the university but they still did because they can charge us interest, if nothing else. We are already researching other loan options from other lenders."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f5ac322928044568ad99871e64eacaed
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank had given me wrong information when I called the customer service. I ended up putting money to cover some transactions that the lady told me would be possible and they still charge me anyway."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0642e7e80d341ddbf9e7037236b9bf4
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{"chroma:document": "I received a torn $20 bill with my withdrawal from Machine Bank. Told me that it was their policy not to replace ripped bills so I was just out. I walked over to the Fifth Third Bank and they replaced it no problem. It was like night and day difference. I went back to Citizens to finish my deposit. Relayed my experience at Fifth Third and told him after 30 years of business with them I could not believe how they treat their customers since I was getting a little older gentleman walked up and said he would gladly close my accounts for me right now if I would like. I told him I will switch to Fifth Third but on my time because I still have checks out. I have financed two houses through this bank and they even know me by name and this is how they treated me. I would not recommend Citizens Bank to anyone ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2c67e153e2d4216a4c559f48c0dc746
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{"chroma:document": "I am a graduate student in Boston, MA attempting to finish a Master's Degree in Clinical Mental Health Counseling. To obtain this degree you are required to do 2 unpaid internships. I am in my second internship working with at risk youth in inner-city Boston. Not only is the internship unpaid, but it costs A LOT of money as it is part of the degree program. Consequently, I am dependent on financial aid to pay rent, bills, food, etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d58a183a82df4d918cde0513fe825a42
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{"chroma:document": "Approved by them for mortgage then just before closing they 'reneged.' My credit score had dropped before closing, because we had moved out of our old house and unbeknownst to us missed a bill payment that went to collections. I was also never made aware they were doing repeat checks (partly affecting score). They agreed, looking at our finances, we could easily close and make payments but the sticking point was the FICO score. "}


created_at: 2023-11-04 20:04:30
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id: 6584564d278a416caf431c28df2d43ba
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{"chroma:document": "Stay away from this bank as far as possible otherwise they will suck all your money. This is by far the worst bank I ever have. To close the account, you have to make the balance to be exactly 0. Otherwise you have to go to their branches, which are so few. If you overdraft by any chance, they will charge $50 for every three days. And they will not notify you by any ways, just secretly stole your money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Citizens is the \"Robin Hood\" of banks!! Like many here, I check my account regularly. I woke up with my account in the positive and by midday, I had a negative balance, yet my account still showed there was money in it. I called, sadly, the last two customer reps I talked to were sympathetic, one agreed that he did still see money in my account. But the arrogant manager we spoke to, Shawn **, was not budging not sympathetic. In fact his tone was very condescending. As soon as I can untie myself from this bank, I'm heading to a credit union. I can't afford to keep paying them to keep their doors open, when I'm trying to keep a roof over my head. It's time to talk to someone with a law degree!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "It actually was one prolonged wait after another to the tune of being there until half hour after closing! This is run by a manager that won't even make eye contact with you. As you wait for a representative she just sits in her office!!!! Very lousy to have to wait one and a half hours to open an account!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Sometimes struggling companies start breaking rules when the end is near and that is the case with Citizens Bank. Banking with Citizens has gotten so bad that you literally have to take screenshots of your transaction for every purchase and deposit you make if you want to be reimbursed for wrongful fees. Also if you get paid or make deposits after 7 pm Thursday the funds will not be available until the following Tuesday morning (see funds availability policy). Debits however are immediately withdrawn 24 hours a day 7 days a week and any funds on hold will not cover the debits so you will be charged $35 for each transaction. There are a lot of good banks and it's best to thoroughly research their policies before choosing the one that's best for your needs but I would stay clear of Citizens Bank."}


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 on vacation in North Conway, NH and went to withdraw money from the Citizens Bank there. The bank teller was extremely unprofessional and disrespectful. I asked for 20 dollar bills and the teller said it was an inconvenience. Most establishments do not accept 100 bills so I asked him to try to accommodate me since I would be spending money in their local economy. It was only a few hundred dollars, so it should have not been a problem. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e99c9322e10c4e4ea586db6a5089b105
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{"chroma:document": "Awful experience. FYI don\u2019t call contact for loan. They screw up paperwork and are not held accountable. Also racially bias. What loan processor asks what\u2019s your nationality when they have your application details. Don\u2019t have Tina ** process your paperwork. She will misplace your fax, not return emails and place blame that you didn\u2019t call the 1800 # in time. Also screening credit twice. She had an agenda well played."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c772fd7ca6194217b06038fbd7784ec7
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{"chroma:document": "I was a bit behind on my mortgage, when I went to the website to pay the amount past due it only gave me the option to make two or three payments, not the monthly or lesser amount. So I sent a check instead, filled out with account number and all the particulars, but they never cashed it. I sent several emails using the secure messaging on their website, the response to my email was simply \"Our website requires the total amount due to be paid when submitting a payment. Since your loan is not current at this time, please contact our Consumer Counseling Department directly at 800-456-8855 Monday through Friday between 8AM to 8PM Eastern Standard Time to discuss possible payment arrangements\". "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I deposited a check on a holiday weekend and called the 800 number on the holiday to check on funds availability. I was told by the agent that the funds would be available on Tuesday morning for use. I checked my account and it was credited on that day. However, I have now been charged $70 (2 overdraft fees) for insufficient funds. I checked my account and the deposit was indeed credited - no negative balance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60e17ceeb3264aac84738d0a8b06e05f
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{"chroma:document": "I open an account January 2019. My life and money with this bank has been HELL. My job banks with Citizens Bank. All my direct deposit are put on hold for 24hrs and they are charging me $35 in overdraft fees. I have been charge over $600 in overdraft fees less than a month. They only offer 2 reimbursement out of $600. The manager is trying to explain the reason why I'm charge all these overdraft fees. I asked her, \"I have direct deposits coming in once a week. Why are you putting my deposits on hold? Y'all are deliberately putting my deposit on hold then charge me $35 in overdraft fees.\" She said oh there's nothing she can do. If my job you use a Citizens Bank and my checks come from Citizens Bank and I open up account with Citizens Bank so I wouldn't have to pay a fee for cashing my checks why are you putting my checks on hold for 24 hours. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8914b40835d446985381b6a56b7eb44
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{"chroma:document": "I've never in my life had such a horrible experience with any bank as I do with Citizens Bank. God-forbid you try to pay a bill on a Friday or Saturday before you withdrawal your money. You will definitely see a negative on Monday and get hit with a $35 fee on top. Everyone here is almost having the same problem with this bank. I was on a positive after I paid a bill that the bank had pending over the weekend. I withdrew $30 Saturday out of $35 I had left over in my account. I had $3 and some change left over. Next thing you know, my account is on a negative Monday when I was told by an assistant manager that my account would not be on a negative even though the money for my bill was pending. There is no reason at all why my account should be negative. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d9b944aef844e6cbafa71dc14ee7661
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{"chroma:document": "I used this company in the past. Stopped using the account but left a few dollars in the account to keep it active. Find out I somehow owe them 360 dollars. Ok, fine. I made an error. I'll pay what's owed... No big deal right? Oh no, it takes time. \"Open an account with us and we can systematically pay it off as you go.\" (I can't get into a local credit union until its resolution) I agreed under the terms that there is no overdraft, I don't want it and I want the card to just decline. I went for surgery and my account somehow dipped below by 57 cents. Yes...FIFTY SEVEN CENTS! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I've been a customer for about 3 years now. Never had an issue with Citizens up until now. I noticed since about Oct or Nov that I would have an available balance and some pending debit charges but the available balance was adjusted to the debits. At times they would be pending for days showing an available balance. The next day I would be in the negative. I would replenish the money immediately and still be charged an overdraft fee. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5602cb547264e6f989b4965f1634414
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metadata:
{"chroma:document": "I went to sleep my account was positive. In the morning it was negative, one hour later I was about to pay the negative and boom they charge me $35 fee and they post the account was negative the day before. I don\u2019t know if they are magicians but it helps them rob their customers with no shame. I\u2019m closing my account right after I start receive direct deposit into another account from my job."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97d89a799abe43df9e4ba30745b8967a
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{"chroma:document": "So I open an account with the promise that I would get a $200 sign up bonus incentive. I sign up in August and was required to have a direct deposit set up to receive the incentive. I set up my direct deposit right away and started having money put into this account on October 1st. I was told I'd get the incentive within 6 weeks, after 6 weeks I went into the branch and they said it's 90 days. I wait 90 days and still nothing. I go back into the branch and they say, \"Just wait another week and it'll be in your account.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "In Sept 2017 I opened an auto loan account, everything was ok except their site is not user-friendly. I made payments on time every month like a good customer. In October 2018 my daughter had an accident in the car and it was totaled. My insurance company very quickly sent a payment (less than one week after the accident). Because there was still a balance on the loan I continued to make payments. I had GAP insurance which requested several documents before issuing a check. I got everything I needed from each place EXCEPT Citizens Bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Have accounts and loans with Citizens Bank. They reported 30 days late on 2 loans. One from 7 years ago and another from 2 years ago. Both paid off and my credit score fell. I take issue with the one from 7 years ago being reported now, along with the newer one. Lesson learned. So worse interest rates for me but good news for my new bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I needed to contact someone about my account and have made 4 calls and have been redirected every time until the call is finally dropped on their end. Literally hours wasted! They are quick to take your loan application but impossible to contact."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I came across this review board somehow searching Google. I have been using Citizens Bank for a little over a year. I have 3 accounts with them, the standard OD service and as long as I use the accounts & transfer at least one cent to each one via their transfer from account to account I NEVER get a monthly fee. As far as overdrafts, I know the rules and I agreed to the terms. If I do OD my account I have 11 hours to put the money in to cover what I overdrew and only after 11 hours there will be a 35.00 fee. If I put the money in within the time frame they allow I have NO fee. The CS has always been friendly, kind, knowledgeable & courteous. They are human beings. Treat others as you yourself want to be treated. Anyway, I love this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d854dcdcc1340b08c7b1abc1209a7bf
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{"chroma:document": "I use this account only for my small side business. I only put money in and take the same amount out. Well, I find out today that my account got overdrawn for .37\u00a2. Yes, .37 CENTS!! I was charged a total of $160 in fees for this small error!!! Things kept snowballing. I was able to get two of the $35 fees refunded, but I am still being charged $90!! This is completely unacceptable. I guess this small petty change error really hurt Citizens Bank to cover. Not once did I even get a letter sent saying that it was short .37\u00a2. Talk about robbing the customer with fees!!! I don't even write checks from this account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e120de20dc63492da49606b419bfa91d
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{"chroma:document": "Terrible experience. Had 6k stolen with fake checks from my account. I reported the fraud the day after the fake checks cleared. Was told 6-8 weeks until the money can be returned and it\u2019s now 10 weeks and I just get the runaround when I call. Opened a new account at a local bank and am leaving Citizens Bank. Garbage bank. Stay far away."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I call the bank about a transaction that I do not recognize on my account. The representative provides the merchant name and telephone number. When I called the merchant in Sioux Fall and indicated that they had charge my account for services I do not have as I am located in Pittsburgh; the merchant told me that the Accounting Department would not be in the office until later. I called the bank back and indicated that the charge was fraudulent based upon the information I received. Since the transaction was pending the representative stated that she could not stop the transaction. I requested to speak with a Supervisor. The supervisor verified the information and indicated that I had been given the wrong information about the transaction. After she provided the corrected information, I was able to confirm the transaction. I requested that she remove the dispute and hold on the account. She stated that she would."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "You open an acct. they vaguely go over the details. Then a year later when you haven't used the acct. for several months instead of them sending a letter or email or dang pigeon at least to let you know they are charging dormant fees...they just start at 9.99 a month. Now they've taken close to 100 from me and only refunded last 2 charges. Thanks Citizens for NOT taking care of your citizens. If it could be half a star they'd get that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f6856e0865a4dbb8fd6e036d9beb8bf
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{"chroma:document": "I have had a Home Equity with Citizens Bank of PA for over 15 years. Recently was unable to balance my monthly statement, $50 discrepancy. Called told that they started adding in that amount to balance which is the amount they estimate the recording fee's to be \"WHEN\" I pay my loan off. Has anyone else run into this situation? I am not paying my loan off at this time, so this charge has not been incurred. This will be charged when I pay my loan off, right now I am paying additional interest on $50. I would like to hear from other Citizens Bank customers who have run into this situation."}


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 an account with Citizens Bank for over 2 years now. They are not clear when you open an account and will charge you a lot of ridiculous fees. I will close my account with them in a couple days. A customer shouldn\u2019t feel unsecured or worried when it comes to banking. Bye Citizens, you suck."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ad8177644914e2db36f9ac603c316bf
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{"chroma:document": "In August of 2018, my information was stolen and someone stole $800 from my account. It took Citizens a month to get my money back to me! When I called to report the transaction (you can't do it online like at USAA), the representative asked me several times if I made the transactions. They told me that I needed to contact the place where the charge was made, but I didn't have an account with the unauthorized business that made the charge. Finally, after calling twice, they got around to investigating to find that I didn't authorize the charges. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6728b27f85a40b18bedad29278ec87c
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{"chroma:document": "If I could I would give them zero stars. My father had problems with Citizens Bank rolling over a CD for another year and not notifying him, then I had a POA (legal document but was from 1999) and it literally took 3 hours of running around to satisfy them, and now my father passed away a month ago. I am a named beneficiary-confirmed by my father and the bank during the POA mess. Citizens Bank was informed a week ago, all the documents they asked for were sent- death certificate, photo id, and will that names me executor, and NOTHING has been changed on the accounts. And when I mean nothing, I mean NOTHING. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I deposited a valid check on Nov. 6 and 6 business days later it still has not cleared. I'm closing my account as soon as the check clears. In this digital age of banking there is no excuse for taking this long to cash a check that has been deposited. I have 4 other banks I do business with and after depositing checks with them they clear in 1 or 2 business days. Citizens Bank is a fraud."}


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 three checks clear my account that I did not write. On October 24th I reported this to my branch and they started the paperwork with the fraud department. I was told that it will take 6 to 8 weeks to resolve. I called at the end of November for an update and I was told it was being worked on and reminded of the 6 to 8 weeks. On December 5th I received a letter dated 12/1 stating they have reached out to the other bank. I call the number on the letter and was told that they did nothing until 12/4, remember I reported this on 10/24 and a letter dated 12/1 stated they started the process. I was then told the 8 weeks is a minimum and they have no idea how long this process will take and it takes what it takes. It could be tomorrow or 3 months from now. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "My payroll check is deposited electronically the first of the month. They rolled back three automatic payments to the 30th of Nov to adjust for the weekend. I manually went in and changed the date back to December knowing there would not be money in that account until the first of the month. They overrode my manual change and paid all three on November 30. Which sent my account into overdraft. I called on November 30. Spoke to foreigner who put me on hold and then came back and said sorry for the delay then disconnected me. I immediately called back (drilling down through the normal menu and waiting my turn for 10 minutes) and spoke with Dawn of Pittsburgh. She confirmed that there was enough money for the first $50 payment and the second $350 payment. The third $1400 payment caused the overdraft. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Everyone quick to blame the next person on a claim I made about a charge from Secretary of State that gave me blank license plate tabs and so I went to another machine that gave me what I wanted. I called to get a refund on the first charged and this guy says we have to put it in a fraud. Well 4 months later Secretary of State didn't get paid and I no longer have a legal vehicle. Citizens Bank admits it's their fault but won't help me in any way. Now I have late charges and no way to work. Thanks a lot Citizens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I\u2019ve been banking with them since June and haven\u2019t had any problems up until now. When I deposit my checks they take at least 3+ days to clear. As I start making purchases, I notice they pend for a couple days then go through, but my balance doesn\u2019t accommodate to what I\u2019ve spent. My balance was $218 until I spent about $20 yesterday but when I check my account it says I have $219 (No I didn\u2019t deposit any money) and the purchases are nowhere in sight/still pending... They try to post/hide your purchases until you spend too much and end up in the negatives! Some purchases won\u2019t even show up until a few days, then I realize I spent way past my limit since it shows my balance as more than what it actually is! Any tactic for them to get extra money, they\u2019ll use it. Be careful with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I went into the Citizens Bank branch in the Walmart at 2101 Blair Mill Rd Willow Grove, PA 19090 and asked if I could deposit or exchange $35.00 of rolled coins I rolled the night before from all the loose change in my car. When entering the branch there were 2 young tellers sitting at desks talking to each other and made me feel as though by coming in...I was disturbing them. I told them what I wanted to do...and immediately the one teller said they would only do anything if I had an account (which I do have). Before I could even answer, she asked how much rolled change I had... I answered then she asked the other teller if she needed change and if she did then to take it but if she didnt then they couldnt help me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I wrote out my loan check for $1,100 just like I do every month. This morning I woke up to an $11,000 cashed check! I pulled up the check to make sure I didn\u2019t make a mistake, and clear as day it was written for $1,100. I called them and they said I need to contact my bank and file a claim (that will take 10 days to rectify) and that they cannot help me. I spoke to a supervisor and she sat there over and over telling me there is nothing they can do. So this bank makes a mistake and I have to have my bank make them fix it? Right in time for the holidays. I do not recommend them for any customer issues or any concerns you have. Maybe because I don\u2019t use them as a bank and only have a loan through them that is their reason to not care, I don\u2019t know. However, after this experience, I will never use them for anything ever again! Terrible treatment of someone who pays on time every month with no issues ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9199a45ac324400ba8363b89e462d668
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst bank ever!!! They steal my money with 35 dollar overdraft fees and I had a refund from Amazon they never processed so therefore here come 35 fee because of their mistake! Be aware. Don't use this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f067a47ae37400b953f8f50055e86b9
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{"chroma:document": "Citizens Bank is so shady! They literally would post a transaction the next day and backdate it just so they can charge you an overdraft fee! And then they claim that it was not a bank error and try explaining that to a manager. This happened to me twice!!! And they literally take forever to post a transaction just so you can make more purchases and then overdraft your account! I also deposited money to my negative account within the same day and they still gave me an overdraft fee! If I didn\u2019t call in the next morning, they wouldn\u2019t have refund the fee! They literally steal your money through overdraft fee and I\u2019m literally going to close this bank tomorrow. I had it for less than a year!"}


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 used 0% promotional periods for credit cards. I used their 0% promotional checks they send to current card members. They're the only company that charges interest if you don't pay in full on balance transfer fee. I've had credit cards since I was 18... I HAVE NEVER HAD TO PAY THE BALANCE TRANSFER FEE IN FULL IN ORDER TO QUALIFY FOR NO INTEREST."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65894a7840054abfa6367db452c3b3f4
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metadata:
{"chroma:document": "On 11/14/18 I personally opened in my name a 15 months CD at the Kendall Sq. Branch (#841) in Cambridge, MA. When it came to setting up a routine \"Beneficiary Payable at Death\", the Manager [D.K.] refused to accept a 'Trust' established over 14 years ago, until I present IN PERSON the original document. My explanation that the document is presently stored with other legal papers with my lawyer, and I DO NOT POSSESS it anymore (but know all details!), was not convincing. As this whole transaction took place in a rather 'customer unfriendly' atmosphere, I decided not to press it any further, and next day called Citizens Bank Customer Service. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26831e18b6e64914b18a21ab4ebc6cce
encoding: FLOAT32
metadata:
{"chroma:document": "Citizens Bank has been stealing my money through overdraft fees. It is never the right balance on the account. I have been fighting with them so they can refund me but they refused. I closed the account. Worst bank to deal with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3098a4cd9ed04021a1ea72d34b25103b
encoding: FLOAT32
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{"chroma:document": "I am banking with Citizens Bank branch located at 125 Stephenson Hwy, Troy, MI- 48083, Stephenson and 14 mile Road in Troy, MI for almost 1-2 years. I am a business bank account holder with this bank. Worst exp ever with any bank in my last 15 years. I had to get in touch with the manager in the absence of ** (nice guy, who always been kind and helpful). I called ** for a reference letter on 11/8/18, he said it's only manager, **, who is authorized to do this and he is out of office till 11/13/2018. When I talked to ** on 11/13, he said that to fax or scan email any such reference letters is against their policy and need to be collected physically at the branch. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f8b94672f344005909a5cac3ec5bb24
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a loyal Citizens Bank customer for over 10 years without any complaints. I've experienced 3 account hacks in the last 3 months, each time resulting in a frozen account and not having access to my money. I wouldn't be upset if I did something to jeopardize my account, but by their own admission (and an official warning sent out by the FBI) they've been experiencing system wide hacks where hackers get into the bank's system and are able to alter your account, making charges that can look normal so you and the bank won't notice. 3 times in 3 months is insane. 3 debit cards, 3 bank accounts, 3 new direct deposit forms. The holidays are around the corner and I can't access my own money without being on hold with customer service for hours. I'm closing my account immediately."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8bd2bfdd7e644648a8d7f817e213e38c
encoding: FLOAT32
metadata:
{"chroma:document": "I recently opened a checking account with Citizens Bank in August and have had nothing but issues since. Citizens Bank website is always under maintenance making it nearly impossible to gain access through the online banking feature. The few times I have been able to access my account online the account balance takes forever updating after making a transaction or will read that transactions cannot be displayed at this time. When trying to call and inquire about my account balance via the customer service number it will mention they are having technical difficulties accessing my account and connects me to a representative. I have spoken to at least 5 different reps about these same issues and they apologize and submit a complaint but so far nothing has changed. I have already opened another checking account with another institution and am closing down my account with Citizens ASAP. I do not recommend this bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73b23660a5424650b49c0fdd3966c8b3
encoding: FLOAT32
metadata:
{"chroma:document": "So here it is on a Saturday morning and I go and try to deposit balances from Venmo and Square. Turns out that they were both rejected because Citizens Bank is DOWN. I cannot use my debit card for anything. No withdraws and no deposits. This has been an almost weekly thing with Citizens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34e14ef0d5934cf785d4384e6ba1b820
encoding: FLOAT32
metadata:
{"chroma:document": "Since October 19th, 2018 I've been having issues with my account, I fixed my negative balance on 10/19/2018 of -161.80. Deposited my work check of 351.50. The check cleared on 10/20/2018 because my account was no longer in the negative and there wasn't a message that my mobile deposit was on hold. I end up making a purchase from AliExpress, for 19.59 and the payment was taken out immediately. After all my purchases cleared and went through I was left with money in my account, I go back online to see my account was a -19.59 from being charged again from AliExpress. I then speak with AliExpress and was advised to reach out to my bank about a second transaction that shouldn't have been taken out. I was told that yes the 19.59 is going to credited back to my account on 10/23. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60d744e4e6f54eb883a41d1509d76b44
encoding: FLOAT32
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{"chroma:document": "So I have my debit card. This happened on a few Cajuns. 6 to be exact. I make a purchase. I'm dealing with overseas customer service at the time. It was Bangladesh so I noticed you know if it comes I couldn't get online and check my money between the 3rd and the 7th of the month because the statement comes out the 5th so I find out gears for overdraft fees associated with unauthorized use of debit card. $2.99, $29.89, 1 for a dollar 99 so 94 hour clean. They got to pay the claim in 10 days in Pennsylvania. I'm in August. My claims are still being paid from April and March. You got to notify the district attorney. File a claim with them. They're well aware of what's going on. In fact they make it easier for you. In fact they make the bank do what you've been asking to do for the last 6 months. That is the work and they refused to work when you called. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6f257dc245314a78b1ca614dae31b8fb
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account with Citizens Bank in 2015 because they had a branch right down the street from my house. I only needed an account where I could keep my emergency funds so I set up a checking account and a Money Market account. I thought I'd put a thousand in the checking and the remaining in the money market in hopes of making a little interest. I never received a dime of interest on either of these accounts. In fact, if I didn't deposit money into my accounts every month they would charge me $10! My money actually became less while I had it with Citizens Bank due to their fees. I complained about it and they told me that I needed to deposit a few thousand dollars more to get on their \"preferred\" customer status and then I'd receive a higher interest rate. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31c0a06b068f481986951a1a913ebbdf
encoding: FLOAT32
metadata:
{"chroma:document": "I recently had some issues transferring funds from an external account into my Citizens' personal checking account, which lead to some minor overdrafts. I instantly deposited a Bank Check for $1,000 that more than covered the amount...the \"overdrafts\" were there for less than a day, yet I was assessed 3 overdraft fees of $35. Not only would they only waive 2 of the 3, but the ** lady customer service supervisor (and you can tell she was ** from her accent) was completely uncouth, unprofessional, and condescending. I am only pointing out her ethnicity because I did not catch her name and would like her held accountable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f5c40cf308c540f9a332df801de51282
encoding: FLOAT32
metadata:
{"chroma:document": "I became an individual checking account customer a year ago because my branch's location was convenient. Within a few weeks, I deposited a large (for me) check from a company client paying for my services. I wrote checks against the deposit which began bouncing immediately (at the highest bounce fee of all banks in my area). But much worse: I inquired of the bank why they had place a maximum length (they said) hold on my check. The bank personnel, all the way up to the \"Office of the Chairman\" of the bank, to whom I pleaded, maintained the reason was \"irregularities on the face of the check.\" I have had this same paying client for years. The CEO is a friend. He had cut and signed the \"irregular\" check. But Citizens Bank, all the way to the top, refused to talk with him. "}


