I guess this blog is turning into a place to rant against poor customer service.
I opened an account at Citizens Bank in Roxborough (the new one on Ridge and Lyceum). I specifically chose a type of account with no fees. The guy “Ed” said that there was no fees for the debit cards, or the account, and there was just a $25 minimum. Sounded great.
In the past two months, I paid $55 in fees for this “no fee” account. The first $25 was for a “rewards program” that I never heard of, asked to be enrolled in, or was ever informed of. It’s not in the service agreement I signed, in any of the brochures they gave me, or on any of the statements.
Then there were two $15 overdraft charges. Overdraft charges make sense, if I overdraw my account, I should pay them. However, I put a few hundred dollars into a savings account, specifically because Ed said that it would provide protection in case I overdrew my account. He explicitly told me that there was no fee if I went over in my checking account, if I had money to cover it in my savings. In fact, the ONLY REASON I SIGNED UP FOR A SAVINGS ACCOUNT was to protect myself from overdraft fees. I have never overdrawn an account in my life, the only reason I overdrew this one is because I figured it did not matter since I had protection. I do not understand what the point of overdraft protection is if you get charged a fee whether or not you have it.
I called the toll free number today, and they were able to remove the $25 fee and de-enroll me from the rewards program. She said there was nothing they could do about the overdraft fees though. I said, “so basically, this guy lied to me?” She said, no, he made an error. What a great deal. The company makes an error, the customer pays $30. I should get into the banking business. Until then, I am going to stash my cash under my mattress.
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