Saturday 8th of December 2018 04:26:58 AM
I am a graduate student in Boston MA attempting to finish a Master's Degree in Clinical Mental Health Counseling. To obtain this degree you are required to do 2 unpaid internships. I am in my second internship working with at risk youth in inner-city Boston. Not only is the internship unpaid, but it costs A LOT of money as it is part of the degree program. Consequently, I am dependent on financial aid to pay rent, bills, food, etc. My account at citizens became over drawn in January 2019. I reasoned that, when I received my financial aid via direct deposit into my citizen's account, the balance would be covered and I could pay rent, bills, etc. On 2/11/19 I received electronic notification that my school had send $8,000 plus dollars via direct deposit to my Citizens account. I checked my account. It was no longer over drawn, but the balance was $0. I called and was told, "We closed your account because it was over drawn for too long." I received NO notification that the account was closed. 2/11/19 was the first time I was told, "Our recovery department will send a check to the address we have on file once we check and make sure the funds are good, please hold." I was put on hold. The staff person came back and said, "Funds are verified. We will get a check in the mail to you tomorrow. It is now 2/28. We have turned of internet, electricity, heat, and hot water to save money. Let me tell you, living in Boston without heat in the winter is rough. A good side effect is that I've dropped 2 sizes in the past month because I can't afford food. Poverty is truly the best diet. I am not naive enough to think Citizen's bank cares about any of these circumstances, but I thought they would keep their word, stop holding my school funds hostage, and would send me my check when they first promised... not said... but PROMISED, they would, which was 2/11/19. I was just informed not 5 minutes ago that the check was never sent. (Keep in mind, I have called at least 7 times since that first call on 2/11, each time being met with the same process, "Please hold while we verify the funds, funds are verified, we are emailing to have your check sent immediately). Now, facing eviction, I have consulted legal advice. It seems I will have to drop out of school (I was only supposed to have 3 months until I graduate by the way), so that I can work a paid job. It is too late to withdraw from the semester with courses refunded. So, I will be paying for not one, but two extra semester of school because I will have to restart my second internship. in the fall. Citizen's bank, in one month, has exposed me to living without heat and electricity in the cold New England winter. Citizen's bank has provided me with the experience of living in true poverty. Citizen's bank has triggered a depression so intense, I have been prescribed **** ********* which are drastically affecting multiple parts of my psyche. Citizen's bank has pushed my relationship with my partner to the breaking point. I wish citizen's bank had been honest from day one. I wish when I asked, "Can you set up a checking account with NO over draft fees? e.g., if I don't have the funds, the purchase is declined?" Citizen's bank said "Yes." This was a lie. I wish Citizen's bank had told me they were going to close my account. They never did. I wish citizen's bank didn't lie about sending me a check. This lie caused me to lie to my landlord who has reached the end of his grace. Citizen's bank has walked me through what has been the worst banking experience of my life. The side effects of this experiences will be affecting my life for the foreseeable future. As I go public with my story via *******, ********, *********, I leave my comments here for the edification of other young professionals seeking higher education who do not come from money or privilege. This bank will add to your stress and steal your money. Look elsewhere. Any place else. Horrible horrible horrible experience.