Charter One Bank
Charter One Bank Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Charter One Bank has 1.1 star rating based on 1 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Gave me wrong type of account
Don't trust Charter One Bank
Supervisor at branch 699
went to charter one bank - branch 699 - lines were long (about 10-12) people inside - 3 cars in drivethru - ask customer service man "do you know if there's just one teller" he said he didnt work on that side - I ask who was the supervisor and he said the lady sitting in the chair - I said excuse me twice - I ask how many tellers are there - she said how many do you see - told her that is not what I ask - she said again - how many do you see - after I said I was calling Corp she then begin to ask people to step up - I called and spoke to Elliott the first time - cant remember the guys name I talk with the second time - ask the teller that was working what branch is this - she informed me that it's 699 - still talking to Elliott she (supervisor) didnt have anything else to say since she notice that I was talking on my phone - heard her call a couple of the men by name - told one that was sitting in the chair where she was working at that she was not available - she was already spoken for - I could have been another boss that stop by in street clothes to do my banking - point being she didnt know who I was and didnt care until she saw I was on the phone then her attitude start to change - dont think people like her that doesnt have a personnality to work with the public if you cant answer a simple question - didnt like it because thats not how you conduct yourself with the public - what got me was that she was getting smart with me because I ask how many tellers were working - if she had just said one - I would have left and went someplace else to do my banking - if she said two - I would have stayed without any problem - just ask one question - have been a charter one customer for over 10 years never had a employee speak to me like that - wish I was a manager from another branch - would love to saw how her face look then.
Banking experience
I opened an account with charter, i had to wait for my debit card for weeks, when i got it, they gave me a pin number, which i couldn't create on my own, apparently some kid who's single mom is on welfare new my balance...I went to activate my debit card, they said the pin doesn't work. I had to wait, til then i could use it as a credit.
I had a little over the minimum balance, I used my debit card as a credit at food marts, and i thought, well its getting close to maxing out so i stopped using it -- i found out they let it go over and they charged me 270 dollars in overdraft fees. I filed a complaint with the Federal Trade Commission.
And reported a complaint in general that -- in Law school, all contracts are signed in good faith, its an underlying thing -- if its broken -- contract is void. Lastly -- If theres crooks in the bank, and no regulation, theres your financial crisis --
A 3 Day Hold on Cash Deposit?
On July 1st I made a CASH deposit, of U.S. $20.00 bills - Charter One Bank put a 3 day Hold on my cash deposit AND saw fit to clobber me with over $200.00 in NSF charges during the interim.
Talk to the Manager?
all he did was grin, when I went to the branch to find out why my deposit was not credited the following day - he grinned!
(probably because he knew the NSF charges were coming, and there was not a darn thing I could do about it. The teller thought to impart her 'wisdom' and simply suggested I make another, immediate cash deposit, which she assured me she'd credit to my account right away :) *** are we if we continue to allow this sort of abuse by the ultra-rich and/or wealthy.
Correct - CharterOne Bank - Stay Away or surely you'll get yours one day.
Charter One Bank customers come first ?
Charter One Bank Closed My Accounts Without Notice
I was about to pay my home equity line on June 30 when I realized that the bank had zeroed-out my accounts, despite substantial balances on both accounts. After a phone call, the customer representative told me that my account was under review. Next day, July 1, I got a letter in the mail dated June 28th that my account will be closed on July 13th because the bank wishes to discontinue its relationship with my "organization".
CharterOne Bank has decided to hold on to my current balances for the next "seven business days". Worse still, by the time I realized what was going on, it was too late to stop my employer from depositing my July 7th pay check directly into one of the accounts.
Shame on CharterOne! Run from CharterOne! Close your accounts before CharterOne closes on you! This is a disappointment of a bank!
Retired Employees Treated Poorly
The only retiree benefit I received after 34 years was a free checking account for life. I have repeatedly been charged and must fight to have the fees removed.
If you are or become an employee of this bank....BEWARE! Charter One was a great bank until the greedy management sold out to Citizens Bank a wholly owned subsidiary of The Royal Bank of Scotland. The current bank philosophy is to make every dime they can any way they can. Unfortunately, banking is no longer a "service" based industry.
It is now a sell, sell, sell, mantality. Charter One is NOT the best place to do business even if you are retired from there.
Charter One Bank - another ripoff.
Charter One Rips Off Small Businesses
Charter One Bank Sucks
If you receive a cashiers check from charter bank do not cash it !i
I was smart! I reported a checkfrom chater one bank for sending a fraulent check to my home address for $2,750.00!
donot cash any checksthat come toyou with on letter just a checkfor a large amount ofmoney ! the signed named on my check was Michelle Jimenez! i wish they would catch her and put her *** in jail! I wonder how many *** people ran to the bank to cash a checklike this !
it looks soreal! I was smart i knew something was notrightandit was not right at all !i wish they would catch her and lock her *** up!thanks !
Charter one bank
Outrageous fees after closing account 1.5 years later
After college I relocated to NC that does not have any CharterOne branches (smart thinking NC!). In order to close my checking account they made me drive 6 hours with a notarized document saying I am closing my Account because there is not a branch supported in NC.
I withdrew all of my funds and shredded my Debit Card (I did not get checks)in May 2008 with all the necessary paperwork. I received a call today from the collections agency saying I had a $100 fee and if I didn't pay, it would affect my credit score.
I called into CharterOne and spoke with Frank (he called himself a manager; I call him a HORRIBLE customer service agent) who couldn't even tell me what I was being charged for! He also told me that my Account was never closed in May of 2008; it was closed in Nov. 2009 when I was charged $100 and never received notification of being charged until today.
I did all the necessary steps they required of me to close my bank account and they didn't even close it! I drove 6hrs for no reason, except for them to charge my Account after I closed it and didn't not even notify me of this charge until I received a call today!
Frank asked me to update my Account Information and I asked him to read back my address that they have in the system (which was correct with my NC address so no updating was needed) then "Smart Frank" tells me that maybe they didn't have the correct address on hand and that is why I didn't receive a notification in the mail. Are you Serious, Smart Frank?! Do you remember the conversation we just had about my address being correct in your system?!?
Anyways CharterOne has screwed me over and just recieved $100 for what they can't even tell me what for! This bank is an absolute nightmare, they have horrible customer service, and just want your money (even after you close your account).
I do not recommend anyone banking here! Better Business Bureau here I come!
Charter One does not respect customers!
I've been with Charter One in Canton, OH for 10 years. The only reason I didn't leave sooner is the inconvenience of changing my direct deposit.
I've been nickled and dimed to death, with NO EMPATHY from their so-called "customer-service". The final draw was when I was charged a $37 overdraft fee on a online auto w/d-payment set up for the 1st; it was posted one day early, leaving my account $21 short (my pay-day fell the next day). This particular auto payment was set up for years and never had problems. When I contacted customer service, the rude little comment from some little *** with no life experience was "you'll have to call online banking.
I would tell you no" [when I asked to have the fee credited]. The online banking guy was no better. They insisted it wasn't their mistake. THEY ARE THE ONES WHO SENT THE PAYMENT AND THEN CASHED THE *** CHECK ONE DAY EARLY!!!
Am I wrong? I was then lectured for 15 minutes by the supervisor that I have to have the funds in the account when the payment is set up. I set up the payments for auto w/d for convenience...based on my pay-days every other week (and the money is always in on that day to cover all the bills!)!! If you ask me, they just want to take your money however they can.
I, like many people, live paycheck to paycheck despite having a decent salary and don't appreciate their *** fine print and red tape. DO NOT GO TO CHAPTER ONE and tell all of your friends/family!! What happened to the good old days where the customer was respected and treated as though their business mattered???.
Funny how all these banks want bail-out but they don't want to help out their loyal customers in turn. I hope they all burn in *** someday!
Home equity loan
I've had a home equity with CHARTER ONE for 5 yrs and have always made the payments ahead of due date and I'm about 6 months ahead of the loan.Have had no problems or trouble of any kind. Since Jan.2010 I've had nothing but problems with them.
If I " continue to make payments before the due date the payment will go to the previous month so it's going to look like you haven't made the payment for the current month" and if "you could wait until 2-3 days before the due date to send in the patment it would save us and your self a lot of trouble ". I have never been treated so unprofessionally and so shabbily by their customer service people - especially David, Donna and Leonard (a manager). I receive letters and phone calls from them threatening to send it to a collection agency and actually incur late fees for keeping my loan up to date - and paid off at least 6 months early. Dealing with CHARTER ONE has not been a pleasant experience at all and I would certianly never refer them to anyone.
They seem to be very incompent and don't care if they inconvience their customers at all. I'M A VERY DISSATISFIED CUSTOMER!!!!!!
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Hello Ssr2k, I am from Charter One's Office of the Chairman. I am sorry to hear about your experience, and I would like to learn more to see how we can best help.
In order to talk with you regarding your concerns, we need to speak with you one-on-one.
Can you please email your name and a phone number we can reach you at to AskCharterOne@***.com? (Please do not include any personal information such as social security numbers or account numbers in your email.) Thanks -- we look forward to hearing from you!
You clearly didn't read correctly. They began charging interest immediately on a interest free offer due to their error and refused to fix it. By the way my credits fine and my new bank is great.
:p lol...there's a flat fee for initiating a balance transfer...a ONE TIME FEE, that you AGREE TO before you initiate the balance transfer...were you asleep when the banker went over this with you, or didn't you care at the time, trying to rush out of the bank WHERE YOUR MONEY IS because flying home is more important? Within the 1st year, it presents a 0% APR...you know, an additional life line they granted you because you jacked your credit so bad...in which if you don't "knock your balances down", you'll get hit with an EVEN HIGHER APR after that year has expired (the intention, obviously, to pay everything down within the year). I'm suprised they even offer such a generous product to customers who CANT ALREADY pay their bills on time...hope this helps.