My husband and I are middle aged citizens and we're trying to refinance our home with my husband working full time and me as a part tine worker were offered by Citizens bank a refinancing option to our current home. Since we maintained accounts with Citizens bank, we trusted their offer and began the loan processing in July, 2012. I've to let the world know that, It was nothing but a nightmare process and now after six months, still they didn't close the loan and we lost the deposit $450.00. Citizens bank's loan dept literally taken us for a ride.

We've submitted all the long list of documents within two weeks of the initial processing. Then started following up...2,4,6,8,12 weeks passed by...After 4 months they started asking the same documents we've submitted earlier...We're helpless and the worst part about this was, there was no explanation from the Citizens bank side, why it took so long for responding and queries and what they were doing with our files...For them, the customer satisfaction has no value in it.

We did not understand how such a huge mistake could have happened. Almost six months later they started requesting the same documents and other list of verification again...we kept on requesting them really humbly to stop this processing fiasco and refund our hard earned $450.00. The Citizens bank simply replied NO...We lost our deposit money as well as 4+ months of reduced monthly mortgage payment. The Citizens bank dragged us to this nightmare went with no remorse or apology. It's hard to imagine such bank can do to the long standing customers.

If you are considering Refinancing/Financing loan with Citizen Mortgage, our humble request to run away from them and don't ended up a prey like us. Please stay away from them for loan purposes.

Citizens bank is one of the worst offenders of hidden fees. Over the last couple of months since the whole banking drama has unfolded over the Internet and news I started to pay closer attention to the fees I was being charged. Every month it seemed I was paying upwards of 50-60 dollars in fees. When I went to my local branch to ask about these fees I was given ridiculously long winded answers loaded with banking terms which in my opinion are tactics use to confuse its customers and deter them from following through with there complaints. The straw that broke the camels back came today when I went to order food and my Citizens bank debit card I use to order food was cancelled for no apparent reason and I wasn't even given notification. After calling my local branch again another clandestine answer was given to me. They might as well have said "oops" which in my opinion would be a better portrayal of the shallow, greedy, slimy people who own and run Citizens bank. How do we as a country let these banks continue to walk all over us as if we were doormats. From the bottom of my heart Citizens bank F%$k off!!!

Your dissertation has forced me to move my saving & checking accounts to Citadel Credit Union. I felt as though I had given the report myself. With all of these hidden fees, & the disparity it's almost impossible to balance my check book until I receive the statement.

Thanks again,