Citizens Bank - CITIZENS BANK - WHY CAN A GROCERY/DEPT STORE TAKE MY PERSONAL CHECK AND AUTOMATICALLY DEDUCT THAT MONEY FROM MY BANK ACCOUNT BUT YET WHEN YOU TAKE A PAY CHECK TO THE BANK THEYE HOLD IT FROM 2-5 DAYS?I

Posted on Sunday, November 28th, 2004 at 12:00am CST by ca4d7ac6

Company: Citizens Bank

Category: Business, Finances

I HAVE A COMPLAINT ABOUT BANKING. WHY CAN A GROCERY/DEPT STORE TAKE MY PERSONAL CHECK AND AUTOMATICALLY DEDUCT THAT MONEY FROM MY BANK ACCOUNT BUT YET WHEN YOU TAKE A PAY CHECK TO THE BANK THEYE HOLD IT FROM 2-5 DAYS?I THINK OUR GOVERNMENT IS AGAINST THE MIDDLE CLASS PEOPLE BUT WITHOUT US THE RICH CANT GET ANY RICHER IF WE LIVE PAY TO PAY LIKE MOST DO NOW HOW CAN WE BE EXPECTED TO SURVIVE IF LAWS ARE IN FAVOR OF PEOPLE WHO ARE FINANCIALLY SECURE.

I RECENTLY OPENED A NEW BANK ACCOUNT WITH CITIZENS BANK AND ASKED THE BRANCH MANAGER TO ANSWER THIS QUESTION AND HE SAID HE COULD NOT. IT IS IRONIC TO PUT OUR TRUST IN BANKS AND GOVERNMENT WHO WORK AGAINST CONSUMER WHO ARENT RICH AND BENEFIT THOSE WHO ARE RICH.

I ALSO EMAILED A LOCAL TV NEWS STATION WHO DOES CONSUMER INVESTIGATION AND GOT NO RESPONSE,I WOULD LIKE TO HAVE MY QUESTION ANSWERED AND IF IT IS GOVERNMENT WHO PASSED THIS LAW IF IT IS A LAW I WOULD LIKE THEM TO TELL CONSUMERS WHY AND WHO BENEFITS FROM THIS. WE LIVE PAYCHECK TO PAYCHECK SO WHEN WE GET OUR PAY WE WAITED 2-3 WEEKS FOR WE ARE IN NEED OF FOOD AND BILLS ARE DUE BUT YET THE BANKS HOLD OUR MONEY FOR AN ADDITIONAL 2-5 DAYS.SO WE DUE WITHOUT THANKS TO OUR TRUSTED FINANCIAL INSTITUTE WHICH WE HAVE A MORTGAGE AND CAR LOAN THROUGH.SO WE ARE BACK TO THE OLD CLECIA THE RICH GET RICHER THE POOR GET POORER SOONER OR LATER ALL THESE THINGS WILL CATCH UP TO THE PEOPLE IN CHARGE IF THIS ISN'T CONSUMER RIP OFF THEN I DONT KNOW WHAT IS.

ALL I WANT TO DO IS HAVE MONEY AVAILABLE WHEN I GET PAYED WHICH I EARNED AND WAITED FOR IS THAT TO MUCH TO ASK.THEY GOUGED US ON EVERYTHING ELSE WITH DOUBLE TAXES AND INCREASED PRICES OF EVERYTHING FROM A PHONE CALL TO WATER AT LEAST LET US HAVE ACCESS TO THE MONEY WE EARNED WITHOUT CHARGING US 35.00 FOR BOUNCED CHECK BECAUSE WE NEEDED FOOD AND COULDN'T WAIT FOR OUR CHECK TO SO CALLED CLEAR THE BANK, CALL THE BANK AND ASK IF FUNDS ARE THERE AND IF SO GIVE THEM A CHECK NUMBER AND GIVE US WHAT WE EARNED NO WONDER PEOPLE ROB BANKS THEY DESERVE WHATEVER THEY GET!IF ENOUGH PEOPLE COMPLAIN AND THIS GOES PUBLIC WE MIGHT MAKE A DIFFERENCE FOR THE LITTLE GUY FOR ONCE!

Norm


1 Comment

2f6a1f70, 2009-07-30, 03:41PM CDT

Why don't you just use a different bank?

keybank doesn't make you wait to cash paychecks, nor does bank of America.

Instead of bitching about dealing with crappy service, why don't you take your responsibility as a consumer and switch banks.

Yeah, that contract you sign and the paperwork you fill out when you make a bank account; it has ALL this information in there, with the banks policies on check cashing and clearance times. It is your responsibility to read any legal contract you sign.

If you signed a contract without reading it, then I really have nor remorse for you. and if you are going through all this and haven't switched to another bank, then I would peg you for one who would rather complain about a bad situation, rather than fix it.

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