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Business Profile

Bank

Citizens National Bank
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BBB Accredited BusinessA+Rated by BBB

Complaints

This profile includes complaints for Citizens National Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

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Citizens National Bank has 24 locations, listed below.

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    Customer Complaints Summary

    • 3 total complaints in the last 3 years.
    • 2 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/25/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My husband and I have been depositing money orders from Walmart since July of 2024 to cover our mortgage. Our last deposit of a money order around April 15th/16th of 2025 was for some reason marked as “altered or fictitious” despite it being the exact same process we’ve been doing for almost a year now. When we called to ask why we were charged back, originally we were told by an employee it was because it was “insufficient funds”, which is absolutely ridiculous since a money order is SECURE. It is not possible for it to be insufficient. He called Walmart and was told this was not possible and there is nothing they can do, he called his original banking source Navy Federal where he pulled the money from for the order, they told him this is not possible for it to be insufficient as they clearly saw where he had the money and it was deducted from his account. He then called CNB again and relayed this information and they changed their story. They said they don’t know why it was flagged and it’s not seeming ti be fraud but that there was nothing they would do until we received the check back in the mail and tried again. 4 days later, we received a “legal” copy of the check. We took it back CNB this time at the location at the Walmart Super Center in Sevierville. The employee told us he didn’t know why it would have been flagged, he said it didn’t look like anything was wrong with it, he claimed he called a hire up and that they would put the check back in and there would be a 7 day hold on the funds but it would be deposited. My husband received a call from the employee right after he left saying they actually couldn’t do anything with it since it was not the actual money order, and we would have to go back to the original branch we deposited it too. Long story short, we have been ran through obstacle after obstacle, no one seems to be able to do anything so the claim, and we are out of $500 and our account is in the negatives because of it.

      Business Response

      Date: 04/29/2025

      We do not respond to specific details regarding customers to ensure customer privacy and regulatory compliance.  We process all transactions in accordance with our policy and procedures and within banking industry standards.

    • Initial Complaint

      Date:04/10/2025

      Type:Delivery Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This business bought my car from the car lot i was making payments from cool fine paid the car off never received title..I want what I paid for been waiting two months.......................................................................................................!!

      Business Response

      Date: 04/10/2025

      We do not buy cars, car titles or car notes from dealers.  We only originate loans with our customers.  Therefore, we did not buy the car Mr. ******** is referencing in his complaint and have no record of payment received.   

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