Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

When I first opened up the checking account, they opened it up on the wrong promo code, so which force me to have to open up another check into account it took them a minute to close the first account that was open it up wrongfully and it took the manager to step in to do it, then the teller told me that the manager didnt know what he was doing and to do it his way because I ended up getting overdraft the first checking account that they had opened up under the wrong promo code after I told him I close that account because I didnt want that account open and the wrong promo code and thats how the second checking account was opened but they left the first checking account open as well which caused the overdraft I had tried to call the credit card company to stop the payment They told me I had to call the bank. Ill call the bank to stop the payment its showing me that the payment would not go through but it is they called me the next morning in a panic saying that the acount was an overdraft of {$300.00}. He was very unprofessional room when he called me on my personal cell device from his personal phone. I didnt tell him I want to pay the {$300.00} because I have been told him to close the account and I did so which caused me to have to pop up to the bank and I put {$300.00} into the account and thats when Manager stepped in because the teller was not trying to wave the fee for the overdraft when if they were to close the account, it wouldve never got overdraft so the manager decide to waive the fee do it all at the teller was very unprofessional then I found out later on that. He opened up the check in account incorrectly and not how I had the first one opened with a overdraft protection every XXXX dollars so I did then have them re-add that on there then find out a couple weeks later that security questions on my account were not the security questions that I had answered when I was sitting at the computer screen the first time so which means the second time he opened up the account he created his own security questions for my account so when I go into my bank, or try to sign it, it connected to another card. They asked me for security questions and these are not the security questions that I selected. I called the bank and I tried to explain that to him hes very rude. Try to over talk to me all the time so I had to speak to the manager some lady get on the phone talking about who is this I said how do you ask a customer? Who is this you working at a bank that is very unprofessional and arent you the manager and they told me that no there was no manager on shift that day and assured me that somebody will give me a call the next day. Will I end up calling the next day I speak to the manager and he said I cant speak to you right now Im dealing with a customer that was early in the morning. He never called me back ever and its been almost a week now Ive had several problems with his banks is up open it up there unprofessionalism the bank, app continues to freeze and force you to sign out even though face recognition is on there. They say that the password is incorrect, which has me to have to keep resetting my account. The customer service that you call to get help with certain things I know better theyre very unprofessional as well I have over draft protection. I am 90 % of the time I cant use it because they always decline it. Theres multiple situations that have not been had it when I called in or speak to somebody.