• Report: #771963
Complaint Review:

Charter One Bank

  • Submitted: Thu, September 01, 2011
  • Updated: Thu, September 01, 2011

  • Reported By: John — Parma Ohio United States of America
Charter One Bank
5775 Chevrolet Blvd, Internet United States of America

Charter One Bank Citizen's Bank Senior Citizen's Ignorance Plight Parma, Internet

*Consumer Comment: How in the world?

*Consumer Comment: How much?

*Consumer Comment: While truly feeling sorry for your recent hardships...

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I have spent 2+ hours on the phone with Charter One "Recovery, Collections, et al... Have expended 45 minutes at the local branch (OHB551-Kimberly Frasher) trying to get my pension check released from hold. I was in the same Branch Office two weeks ago to determine how I can fix my Checking Account so that I am not paying $6738.00 in Overdrafts over the past two years. We supposedly corrected this at the face to face meeting with three of their Managers at the Parma location. My pension came in (Direct Deposit) today and was placed on hold to pay off the first checking account that was overdrawn. My wife and I are senior citizens on a fixed income.

My wife called the Bank's "Recovery Division" last week to set up a payment schedule. They told her " that they couldn't do anything until "Collections" was involved and then a payment schedule could be set up. I spoke with the divisions mentioned above and the "bottom line" being that none of them knew why my pension was on hold. They told me go to my local branch to find out why? I did so and the Assistant Manager made a few phone calls and told me that in speaking with my wife she was to call back to set up a payment schedule. My wife claims that the person she talked with in the "Recovery" Department, did not state anything about her calling back until it was processed by the "Collections"Department. My wife is not a liar! I am looking to have the "hold" taken off my checking so that we can pay some bills, eat something other than soup and chicken and pasta. We had to have a garage sale last Fri/Sat just to get a minimum dollars for groceries and fuel for my car.

The e-mail, of course, is in writing, and can be used for the Bank's purposes. I tried calling Kevin Selva (Regional Manager) 1.5+ hours ago and got voice mail both times - this is disgusting because of no call back. My plans are to submit this event to State and Federal Government Officials and to post it to as many Social websites, including Facebook and AARP to give my opinion of Citizen's and Charter One Banks. Too bad that the Government bailed out the banks - it would have been nice to see how the Attorney's fight the American taxpayer.

Being on fixed income - I was downsized two years ago at age 67 and couldn't break the "glass ceiling" so being unemployed. I suffered triple by-pass heart Surgery at the Cleveland Clinic. My wife is and has been ill for many years. In addition, to the Medicare and Part D premiums, we paid $18,000 out of pocket for doctors and meds. The Golden Years are not all the fun they claim it to be.


This report was posted on Ripoff Report on 09/01/2011 12:59 PM and is a permanent record located here: http://www.ripoffreport.com/reports/charter-one-bank/internet/charter-one-bank-citizens-bank-senior-citizens-ignorance-plight-parma-internet-771963. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

How in the world?

AUTHOR: Ramjet - (U.S.A.)

As a senior citizen myself, (68) I don't understand how you payed over $6,000.00 in overdraft fees without finding some way to figure out what you were doing wrong long before it got that far out of hand. What happened?

Any bank would be more than willing to help you learn to use a check register and keep it current.  It's really not very hard to do at all. I encourage you to do that while you're working through the rest of the problem.
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#2 Consumer Comment

How much?

AUTHOR: Robert - (U.S.A.)

If you had over $6700 in Overdraft fees in 2 years, that is about an overdraft a week, every week for that 2 years.

Being on a "fixed" income you should be even more aware of your balances, since you are a Senior Citizen I would hope that you learned how to manage a Check Register many years ago.  So there is no reason why this should have happened to this extent, unless you overdrew your account intentionally.  But beyond that you can talk to who ever you want most likely they are going to take the money you owe out of your pension check.

Because there is something known as the "Right Of(To) Offset".  This is where the bank is allowed to take monies from one account to pay off a delinquent account at the same bank.  When you opened your account you agreed to this.  Oh and just so you know EVERY bank has this same provision.

So I would suggest that if that pension check does not pay off the delinquent amount you immediately open up another account(hopefully you are not in ChexSystems) at a totally different bank that you don't owe money to and have your pension checks deposited in that account.
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#3 Consumer Comment

While truly feeling sorry for your recent hardships...


what exactly is the bank doing that is a Ripoff?

They're trying to recover the money you owe them..should they just accept say $50 a month for years to come or just forgive the whole amount, since you're seniors on a fixed income?

Is the point of you stating you're seniors that you should get special treatment?

Why should you...and yes, I'm a senior citizen...I don't expect or ask for special treatment.

Good luck with improving your financial condition.

Just remember, while doing this, the bank really isn't responsible for what has happened to you financially.
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