Report: #1148175

Complaint Review: Citizens Bank

  • Submitted: Tue, May 20, 2014
  • Updated: Wed, July 02, 2014
  • Reported By: Uknowho — Massachusetts
  • Citizens Bank

    Nationwide
    USA
  • Phone:
  • Web:
  • Category: Banks

Citizens Bank RBS Unethical Business Practices Nationwide

*General Comment: Bank processing...

Show customers why they should trust your business over your competitors...

I had 3 checks clear on a Friday, yet not post until Saturday, went there to deposit $11 to cover a $10 and change balance,  was told they cleared "after midnight" that's why they didn't show until Saturday. Even though I went there Saturday and they were open for business, the $11 didn't "officially" show (even though I saw it & It WAS available on my account), until Monday. Monday I had $65 in my account, go do a few things, go to the store, I've got $6 in the account. They took a $35 overdraft later that day. Their "banking doesn't work on weekends" yet they sure had no trouble processing checks after midnight on Saturday though.

So now I've got $6 for gas to get my son to school all week because of this nonsense from these people. They have no conscience. I called, tried to explain, more than once, the first woman was actually argumentative. Taking money from a single mom with a 6 year old, when I was there when the doors opened to pay a $10 for a check over a field trip my son ended up not going on, yet the check was cashed anyway, unbeknowst to me until that Saturday. Complete scumbags. They just wait for any opportunity they can get to steal your money over the dumbest, made up things, no matter how hard you try to avoid it. They don't care about their customers. I'm so done with this bank.

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This report was posted on Ripoff Report on 05/20/2014 08:27 AM and is a permanent record located here: http://www.ripoffreport.com/reports/citizens-bank/nationwide/citizens-bank-rbs-unethical-business-practices-nationwide-1148175. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Bank processing...

AUTHOR: Striderq - ()

Banks do their daily processing each business day starting at midnight. So at midnight Monday, they process everything that was Monday's business and you can see it Tuesday morning. Since they don't process on weekends, anything deposited will post to the account as Monday business during the processing beginning at midnight. So if you deposit a check on Saturday, Sunday or after cut off time Friday afternoon, the check will post Monday night and be visable/available Tuesday.

Most banks post overdraft fees the same business day they occur. If something overdraws as Friday business, it will post during Friday processing and be seen Saturday morning. A non sufficient fund fee (when somethiis sent back unpaid) will post the next business day during processing.

This is why it's so important to keep an accurate register. Subtract debits as soon as authorized, add credits when available in account. Keep register balance positive and you won't pay any OD/NSF fees.  

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