Reviews: Charter One Bank

Charter One is a great firm. They helped me out with my refinance loan, and were very responsive and helpful throughout the process. Thanks Charter One.

The worst experience ever-Took 3 months to close- Every time I was told the deal was ready to close they would ask for more conditons- To make matters worse the closing costs were far higher than I was told from the begining-

They take forever to close a mortgage loan-Promise a lot but then deliver very little When I received my GFE from Charter one Mortgage. The closing costs were twice as high as I was told I canceled my application after 6 weeks and went to 3rd federal and closed 2.5 weeks later without any problems.

Charter One is apparently making up for finance reform laws by loading fees onto the backs of checking account holders. $17+ monthly management fees, $3 monthly statement fees, inactivity fees and NO INTEREST paid

charter bank is great for all my needs. I have been with them for over 5 years and have had nothing but excellent service from them. Their employees are courteous and always willing to help.

Poor customer service, delays, excuses, lack of information. BEWARE!

this bank robs your money instead of giving you .25 interest. You lose money. They don't even know their own policies. PLEASE ALWAYS READ FINE PRINT or better yet take your money out and better to keep it in your mattress. j.c.

Don't be disappointed if a week or two before the closing date, your loan processor goes on vacation.

Charter One (aka Citizens Bank) told me my credit, appraisal and all financials were great for a VA loan. Their underwriting declined it, claiming a VA rule I could not find. VA told me they had no such rule. Citizens/Charter claimed they called VA although they weren't sure who spoke with them and confirmed there was no way the loan could go through. The VA said they had no record of Citizens calling them. And that they would not verbally turn down an ap.

Funny they put the good ratings on top in hopes people will ignore the poor ratings! They really are a poorly rated organization! People don't be deceived make sure you read all the ratings! They once used to be a good bank when they were First Federal of Michigan but when RBS took over customer service & everything else has gotten extremely horrible!

I haven't had a problem with Charter One. However I do mostly online banking, so I don't incure alot of the fees people are talking about below. I get electronic statements, only go to a Charter One ATM, etc. I do have oerdraft protection on my account, I will say the $10 to make a "transfer" from the overdraft to my checking is nonsense, but I figure all the banks aregetting really high fees. Haven't dealt with the morgage dept. So I don't know about that. I've been w/ Charter One for 11 years.

Being compelled to pay off credit line. May have missed deadline to extend under new 10 year program. Important that I speak with someone who can work with me on this. Been on hold 20 minutes and counting for live Customer Service representative. Continually asked if I wish to return to non productive automated system. Very poor customer service. Mark S.

Charter One Bank Looted a savings account and a checking account with outrageous fees. When we closed out account we asked why they would charge such high fees. Their response was, Well we sent you an account statement if you didn't like it you should have moved your money elsewhere". This BUYER BEWARE Program is the kind of Bank they are. They want access to your money just to LOOT IT with outrageous fees. I hope this review will alert others to move their account elsewhere....Good Riddance to you COB

My wife and I have been customers for approx. 18 months. I wanted to refinance. Our credit scores are 809 and 813. We were rejected. How would you react if you could not qualify for the same loan at a lower rate? Other disagreements as well. LOTS of Vice Presidents but no common sense let alone business skills. I wrote to the Vice Chairman but he has yet to respond. Jim Fleischel

This bank does nothing but put a bad taste in my mouth. Ridiculous and unforgiving over draft fees, horrible hours and poor customer service are just the tip of the iceberg. What good is a bank to me if i work 9-5 and there open 9-4? this means i have to waste my lunch time running to the bank b/c a bunch of tellers sitting in a office counting other peoples money can't work 8 or more hours a day!? And good luck if there is an error with your account. Even when they are admitting fault, the cost is yours.

Six years ago I stared dealing with Charter One . A 3.00$ charge on my account started about 6 months ago . I ask the bank why 3.00$ a month charge / I was told IT's ONLY 3$. This women did not care. And she was rude. It's time I get out of this bank.

I Refinanced 5 years ago with charter one. I own 2 properties and they used the wrong one to secure the mortage. Now I want to sell the one property but can't because they have it secured.I have been trying for 2 months for them to fix it but keep getting the runaround from person to person.Has any one else hsd this problem or ideas how to fix it.

If you ever have to call them, you will find operators like Brenda and Tia that keep you on hold for extended periods of time and provide only limited service if anything at all. Go in to your branch, you don't want to call in to their customer service

Worked with a loan officer who refused to give me good faith estimate instead wanted me to pay application fee first. I refused told him that was against the RESPA law. Will not work with a bank who violates the law.