I am going to try and breakdown my report the following way: 1st paragraph will explain whom I am filing the repkrt against. 2nd paragraph contains what my complaint is. 3rd paragraph is info on how I obtained the upper hand and hopefully how you can as well.
RBS Citizens Bank with corporate HQ in Riverside RI and various branches throught New Engkand, NY and other branches throughout the Northeast. I am not sure how far they stretch or whom their affilate branches may be. This company seems to be the eppitamy of what is wrong with corporate greed and the demise of the banking industry. I am not even sure where to begin, however, I have read others complaints and was somewhat relieved to find out that I am not the only one with these problems. This is not anything new, or new practices from bwing bought out by another bank as I cancelled membership with them back in 2001 due to the exact same thing and was duped into reestablishing an account in 2011 with promises that these practises changed and to emphasize the fact, they were offering rewards of up to $150 USD to reiterate their changes. I should have known then. As I am positive their deceitful, criminal and unethical prqctices branch out to their many other departments, mine is specifically regarding to personal saving and checking accounts.
I have constantly seen the bank holding debit purchases and allowing them to go through when they put your account in the negative as to charge you their "over the limit" fee and daily fees until it is made whole. I have contested charges and am always told it is the other party whos @ fault. I have been consistently lied to and have had notations in my account deleted. Just to give you an idea of how ALL these fradulant charges add up, I had them tally up a 2013 total sometime in 2014 when I investigated one of our accounts and tried to figure out how to pursue a class action lawsuit with other members and the total was around $2200. Please do not be fooled into liking them when they offer you the "courtesy" rebate once a year. There are certain Fed Banking Laws when Congress attempted to re- vamp the banking industry back in the early 2000s. A little known fact is that lawyers for the top 10 banks drafted thw ORIGINAL reform bill whom Congress passed a variation of.
The following is how I filed a complaint and was able to get RBS Citizens to credit my account about $1700 from various overdraft and bank fees. Now, I encorage you to try and follow these steps and at the very least, someone from the Office of the President will call you back. As I mentioned earlier, I was fed up and started Googling reviews on RBS Citizens and found a LOT of people had the EXACT same complaint as me. I investigated how to attempt to start a class action lawsuit but failed. So I decided ro file a report with the BBB (Better Business Bureau) as they have helped me in the past. I have never been to any branches in RI, but decided to use THAT BBB office and file agaimst their corporate because I thought it was the best way to get somone from corporate to get ahold of me. I got a call from someone in the Office of the President. I did have to do some fast talking over the course of 2 or 3 weeks, but eventually my contact brought it up to the board and that was pretty much it.
I hope this helps another person from either stopping to create an acct or another getting some charges back.
Please feel free to let me know how you made out or if enough of us can discuss how to start a class action lawsuit.
Thank for reading and regards..