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I opened an account at Citizens Bank, who did not let me choose my pin code. It went something like this.

Received card, no pin, called, sent new, recieved card, no pin, pin came 2 weeks later.. for the first card, no pin for second card, third attempt nothing was sent, went to the bank, they told me I had to call, gave up after 2 months, over the next year they sent me several new cards (security breaches?), but I never had a pin to activate them.

One year later they change their terms and contions, impose new fees, deplete my checking account, deplete my savings overdraft account, and then send me to collections... all for opening a couple of accounts and depositing a few hundred dollars.



I seriously doubt they just up and decided to take all your money. What policy or agreement did you violate?


Account inactivity. Cards were never used.




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