Date Received: 2023-02-02
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: Citizen Bank is attempt again to report and collect a fraud loan and debit made from a XXXX XXXX XXXX XXXX, when I was going to XXXX and XXXX and using XXXX and XXXX XXXX. Two Both I and the Co-Signer whom also didn't agree or apply for it File XXXX XXXX XXXX and it was discharge, I was also on SSDI and had all Student Loans Discharge CITIZENS BANK Balance {$58000.00} Balance updated XX/XX/XXXX Original balance {$57000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Education Loan Status : Charge-off Status updated : XX/XX/XXXX Past due amount : {$58000.00} Original balance : {$57000.00} Monthly payment Old Reporting which was XXXX out and removed for XXXX XXXXRBS CITIZENS NA Balance details : Paid off Balance : XXXX Balance updated : XX/XX/XXXX Original balance : {$32000.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Education Loan Status : Charge-Off, Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated : XX/XX/XXXX Past due amount : XXXX Original balance : {$32000.00} Responsibility : Joint Account Terms : 254 Months Comments : Account information disputed by consumer Contact info XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX XXXX ) XXXX
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The company said they would return my last {$35.00} fee but never did. The {$3.00} charge I complained about was changed from a minus to a plus after I complained to cover their XXXX. I closed the account in XXXX but they keep reopening it to charge me fees. Social Security assured me that my check would go to the new account but was put in the Citizen 's bank account so they grabbed all their bogus fees on a closed account. Then I erroneously wrote two checks when I grabbed the wrong checkbook and, once again they opened a closed account instead of letting the checks bounce and letting me deal with my mistake. Now there are more bogus fees on my account, I tried to stop payment on the second check and had to go through a whole lot of XXXX and more fees to stop payment on a CLOSED ACCOUNT. Can they really keep reopening this account? It's like the XXXX coming back to life.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Was charged {$57.00} in service charges for closing the account and later sent it to collections
Company Response:
State: MD
Zip: 21601
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Trying to access my loan for payment information and access to account, however system says my sign on info is invalid, even though it was not, but when I try to access log in help option, the system says they can not locate my loan/account number or information even though I receive paper statements with my account nbr on it. I also provided information by name, XXXX and ssn, as another option in locating my account information, and I receive the same response that they can not locate my account. Tried multiple times over the last year to call, never receiving anyone from customer service to answer. Sometimes I am on hold up to XXXX hours with nothing but a recording saying all customer service representatives are busy and to continue to hold, go online to make changes or choose the option to have them call you back ... ALL options given do not work. I've seen a large amount of complaints on their XXXX page with the same complaints dating back from 2014. It is IMPOSSIBLE to make contact with anyone to resolve these issues. Same complaints about people not being able to log in, or they can not locate the account number, or no one can make phone contact, or they are on hold 2-4 hours hoping to make contact with an actual person.
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I did not receive my {$400.00} bonus for completing the terms of opening a checking account, setting up direct deposit, and performing debit card transactions ( see attached terms ). I logged into my online account and looks like it was closed without my knowledge with funds still in the account.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Me and my husband deposit a cash at the ATM citizen bank on XX/XX/XXXX at XXXX after the bank was closed. We put amount of XXXX $ cash at first but the ATM machine pull out money of XXXX $ back to us. We thought because we put too much money at XXXX transaction. The ATM machine take so long to run through our XXXX $ deposit but then decided to give us the card back with no receipt. There are a camera at the ATM so we dont worried much. We check our bank and the transaction was not went through. We called the bank immediately and they said it would take XXXX days for them to process with our claim. After day went by we called to check up with them again on XX/XX/XXXX and they said that the claim went through and will be post at our account the next day. The next day came and we saw that the money was there and everything is settled. Until today XX/XX/XXXX we received a paper from the bank said that they investigated and there is no error occur at the ATM so the amount of XXXX $ will be reversed back.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Last year our county sent the wrong amount to our mortgage company. We immediately called and told them the amount was incorrect county didnt have us as residents. We went to county on the same day and this was corrected. Then we get a notice the higher amount was paid. We called again and was told it would be corrected. County sent overages to mortgage company however we received a notice that our payment would increase almost XXXX XXXX per month. We called again. Nothing was ever corrected. I called in XXXX and asked when we would be receiving overage? I was told they will look at in XXXX when I protested this they said they would look into. We did receive a notice that our payment was going down {$210.00} and we were owed surplus amount of {$1600.00} that is great however per their statement we need {$160.00} per month in escrow why do they need {$920.00} in this escrow account? I am a XXXX XXXX XXXX XXXX that is over 5 months? We are also in the process of removing PMI insurance. They have been using over money for over a year, also not paying us interest on our money I dont think this should be allowed.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I went into a Citizens Bank branch on XXXX XXXX and XXXX to close my checking account. I also had a line of credit open that my checking was auto paying. Before closing my account, the teller said they needed to move money over to my credit to zero out the balance and to come back a week later to close out after that was completed. I took a XXXX withdrawal ( leaving enough to pay off line of credit ), signed the funds transfer paperwork and left. About two weeks later ( believe XX/XX/XXXX ), I came back into the branch, verified my credit accounts were closed and took the remaining balance from checking and closed account, signing paperwork. In XXXX, I noticed my lines of credit were drastically decreasing and being closed at other banks ( for no apparent reason ). When I looked into it, Citizens Bank had filed a major delinquency report on me because they said my line of credit was still open. With this knowledge, they had never called, sent a letter, texted or communicated with me in any way. I checked my online account and it showed XXXX balance. When I called, the credit department said to pay it off. The XXXX office said theyd have a letter written to me in 30 days. This has to be some type of Reg E violation. My credit has dropped over XXXX points due to this ( false reporting > reduced credit score > lines of credit decreased > utilization rates up XXXX continued decrease in score, etc ). Citizens has not looked for ways to help and is leaving me in a perilous financial situation with resolution being a letter in 30 days.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Purchased an Xbox financed by Citizens One in XXXX XXXX. Returned the XXXX after a couple of days. Loan was supposedly closed out. XX/XX/XXXX I received an alert that one of my credit accounts was in derogatory status. Per credit report, account was never closed. Called Citizens One, they claim they told the credit agencies to remove derogatory remark ( because they claim they didnt even know why it was there ). Now all of my credit scores and reports have taken a huge hit over the derogatory account status. Not my fault.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/23, I paid my mortgage by phone as I do every month. I got paid that following Wednesday the XXXX. When I needed to access my money, my debit card was denied. I didn't know how this could happen since I had just gotten paid. I checked my account on line and I was over {$1000.00} in the red. I scrolled down and found that my Citizens Bank Mortgage had withdrawn my mortgage payment 2x 's on the same day. I contacted the mortgage company on the XXXX, to let them know their error and they told me to email them a copy of my bank account, which I did. It showed their double payment. They said they were going to investigate and if they found their error in their system it would take 9-10 days for me to get my refund. I told them I couldn't wait 10 days, I couldn't pay my bills, I had bills coming out of my account and for each bill they gave me an overdraft fee of {$35.00} and a sustained overdraft fee of {$30.00}. Now totaling over {$200.00}. I contacted the XXXX XXXX XXXX and filed a complaint and within 2 days a man from Citizens Bank Corporate called me and told me he was my advocate. He was going to make sure I got my money back in 2 days. It never happened. He gave me his email address so I've been asking the status 2 times a day and no reply. This has been since Monday the XXXX. Today is the XXXX and still no reply. I have not gotten any money back. The bank manager in XXXX XXXX said she was going to cancel all of my overdraft fees, that never happened. I'm still {$650.00} in the red. I don't know what else to do, they are saying they will give me my money back, but they're not doing it. I won't be able to pay my XXXX mortgage, so I asked if they would wave it for the month. The corporate guy, XXXX XXXX said he would bring it up, but he doubts they will forfeit a month, yet they haven't done anything to reverse this. My credit score has been affected, I'm not able to put food on my families table, I have no money to shop and at this point in my life, I'm XXXX my husband is XXXX and I have a XXXX XXXX XXXX daughter with cerebral palsy that I am her sole provider and caretaker. All of my bills are past due, I can't even pay my gas bill and soon they will shut me off. They took {$2200.00} two times. Please help me.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A