Date Received: 2023-01-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I used to be an XXXX XXXX from XX/XX/XXXX until XXXX XXXX, when XXXX sold its customers to Citizens Bank. On XX/XX/XXXX, was my last credit card statement with XXXX, my bank account with them was closed and I did not wanted to be a citizens customer. I started to receive mail from Citizens bank as if I was their customer. I called them to make sure they knew I would not want any relationship with the bank.They explained to me over the phone that was an automatic procedure and every XXXX customer would receive that and all I had to do was ignore any information from them. A few automatic payments I had used to be debited from my XXXX credit card. On XXXX and XXXX, i had to change the payment method as obviously my XXXX card was inactivated. Anyway, I used to pay my XXXX using my XXXX account. Around XX/XX/XXXX, I received a Citizens statement charging me some a balance without describing the service purchased. I called them and they said it was related to XXXX expenses from XXXX until XX/XX/XXXX. I said that was definitely a mistake as I had never had any relationship with Citizens Bank and never ever activated any credit card from them. They gave me the final XXXX digits of their credit card : XXXX. I assure them I never touched a credit card with that number. They kept sending me billings for this and I kept calling them trying to understand what was going on and they told me to speak at the fraud department. I called Fraud department and we went over the amounts and they explained that my XXXX card Final 4 digits XXXX was the same as XXXX. That blew my mind. The XXXX amounts matched my XXXX rides and so I checked the payment in my XXXX account and for my surprise XXXX was charging my XXXX rides on my XXXX card final XXXX, wich was activated again in XXXX XXXX without my consent and sent to Citizens bank that I explicitly said over the phone I wanted no relationship with. I have been trying to pay my XXXX balances with them but they are charging me XXXX dollars od interest charge that I told them I refuse to pay. I Today, I called XXXX to understand why they did not cancel everything as I closed my bank account with them. The attendant said it could have been the system. I reply then fix it. After more than XXXX hour with XXXX attendant she transferred me to her supervisor. All they can say is that they are very very sorry but they no longer can access my credit card with Citizens Bank. Citizens bank refuses to take away interest rates. I feel unpowerful and cheated by two gigantic institutions that abused from people 's naiveness to make money. I am a single mom in a middle of a litigious divorce, meaning every cent spent in my life at this moment counts. Because of this my credit card went down almost XXXX points and it is impacting my financial life in every possible way. I do not know what else I can do to make this be at least fair. I am sure if I had XXXX XXXX dollars in my bank account both banks would be apologizing for their mistake. This is so frustrating and I believe it is worth fighting for as I am a very correct person with my debts.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Citizens XXXX has continued to call me daily, for the last few weeks. This week they have called more than seven times, which is becoming predatory at this point.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This item on my credit is fraudulent. Never sign any contract with this company for any purposes. Also the address this institution has for me on file I never resided at. I've contacted this company many times and had no success. I'm trying to move on with my life and this institution is holding me back.
Company Response:
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/2023 someone opened up a citizens bank account using my information. Citizens sent me an actual debit card with my name on it than they sent me a letter stating they were unable to verify information provided on a credit application. I have called citizens and informed them and they closed the account. On XX/XX/2023 there was two charges on my XXXX XXXX XXXX credit card ( this is a card I often use ) in the amount of XXXX from XXXX, I contacted XXXX XXXX and they refunded me the amounts and sent me a new card. I am reaching out to you guys in hopes that my credit does not go down or any inquiries on my credit get effected, Im hoping that Ive caught this in time, please let me know what other matters I should take. I have checked in my XXXX XXXX app that there has been nothing else charged or opened but I dont know what else I should be expecting here in the future with this identity theft.
Company Response:
State: MI
Zip: 48317
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since XX/XX/XXXX, I XXXX XXXX, XXXX of the late XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, a succession was done and i obtain the property and is still living in the home as of today. Well, I have been having lots of issues with the mortgage company Citizens Bank. I did a modification because I couldn't afford the amount of the mortgage because I'm on a fix income. The company said for 3 months ' pay a certain amount and then I did pay it. Now as of today the company is telling me that there is a " Lien '' on my mother 's home which i had no knowledge of until they told me. So, I went to the XXXX XXXX XXXX XXXX and obtained the document which states that there was no lien on the property and i sent Citizens the document email, postal mail, and fax. On XX/XX/XXXX i called to make a payment on the home and i was told not to because the modification is still pending, I was told to called back towards the end of XXXX, so I called, and I was told that the modification was cancelled. I couldn't understand why this had happened. So XXXX had been reaching out to help me navigate this problem. This company has been giving me the runaround about the modification. I provided all the info that they asked for and I can't understand why this company don't want to give me any answers. I feel like they are trying to take my home from me. We have been being in contact with the company every week since XXXX and still no answers. PLEASE HELP
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I have been sent to a debt collector by CITIZENS BANK ( CB ) regarding a consumer loan for equipment purchased from XXXX XXXX XXXX systems. I amXXXX XXXX XXXX, and I closed my account with both companies in XX/XX/2022. I received written notification from XXXX stating they closed my account and sent the information to CB to close my debt and that the equipment was returned. I have contact CB multiple times average once a month since XX/XX/2022, I was told it could take up to 30 days for the information to reach them and the account to be closed. Every attempt to resolve this issue with CB has resulted with them hanging up on me or never answering the phone. On XX/XX/XXXX I was on the phone with CB and XXXX customer service ( Conference call ) for 48 min. The XXXX XXXX told the CB rep that my account was closed and that I shouldn't owe any money, I then informed the CB rep that they actually owed me money due to them continuously pulling money out of my account for almost a year until I finally put a stop payment on them thru my bank. About a min after I informed them of this the call was dropped. I have now been sent a letter from XXXX XXXX XXXX XXXX XXXX that I owe {$1600.00}. Please assist me in this and let me know what else you need from me. Thank you very much V/R XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XX/XX/XXXX, I mailed a check, in the amount of {$1100.00}, to XXXX XXXX. 2+ weeks later XXXX notified me that they never received the check. I went to a local Citizens bank branch ( XXXXXXXX XXXX XXXX ) and they pulled up a digital copy of the check ( # XXXX ). The " payee '' line had a name clumsily written over the original. They began the claim process. I received a letter on XXXX XXXX XXXX that they were working on it. I waited until the middle of XXXX to call about progress. The agent told me that it may take another 3 month for resolution. Called, again, in the middle of XXXX XXXX, no progress. Called in early XXXX XXXX... no progress. Called today, was told XXXX bank denies payment. I feel, nearly, 7 months, after the fact, is plenty of time to return my money. I have a photocopy of the check ( but, at present, can not forward it to you ). Let me know if you should need it. My phone number is XXXX. Thanks, very much for any help in this matter. XXXX XXXX XXXX XXXX. Claim Number is XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Citizen and or XXXX XXXX has reported adversely an account on my credit report that I have never had. On one credit reporting agency it is reported as a student loan and another as an installment loan. Both accounts have the same alleged account number credit limit and balance. Verification has been numerous times. I have requested an investigation and validation of the credit reporting agencies as well. I have requested a 1099 OID with no response so that I may verify information with the IRS. No response has been received to validate the alleged accounts. I have only received noncertified copies of statements that could be from previous accounts. These actions have gross disregard for my rights and are blatant violations of FCRA.
Company Response:
State: IL
Zip: 60901
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I own a title insurance agency in Pennsylvania. I have been banking with XXXXXXXX XXXX, XXXX since XXXX. XXXX XXXX holds all escrow account, and daily operating accounts for said business. On XX/XX/XXXX a fraudulent check cleared our escrow account for {$9500.00} - the check was clearly a fake, with smudge marks, inaccurate seals, missing telephone numbers, incorrect check numbers, invalid authorized signatures, etc. The check was NOT indorsed or stamped. The fonts did not match our check stock. The check was clearly done as a mobile deposit, and in the subject area had " commission '' listed. I received my 89 page bank statement with all copies of checks in XXXX- Did not notice the check clearing escrow because the amount did not stick out, when we clear thousands of checks a month. A XXXXhird party reconciliation company XXXX XXXX XXXX, does our third party escrow reconciliations- and brought to our attention this check that did not match up to a file or ledger. Immediately we contacted XXXXXXXX XXXX, contacted customer service, and filed a complaint. XXXXXXXX XXXX returned the claim on XX/XX/XXXX stating that " Given the account agreement and based on a review of applicable law, we feel we paid the check in good faith and upon the exercise of proper care '' WRONG- this check is clearly a fake. This check was cashed, without any endorsement on the bank. This check was signed by not an authorized signor with a magic marker or stamp that is not the same name, nor similar signature as the company primary. I contacted the XXXX XXXX manager assigned to my business accounts- when she finally returned my phone call she stated that the reason this claim was denied is because it took ME too long to file a claim. Meanwhile I filed the claim as soon as it was brought to my attention/ after going through the monthly due diligence of escrow reconciliations. This happened during the end of the year - the busiest time, and the bank is not willing to help. Furthermore, this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX manager will NOT supply any information for me to be able to file a police report. After asking numerous times, they have not and will not supply information regarding the bank this cleared through. XXXXXXXX XXXX is taking no fault on this. Which is bad business - Escrow money is not ours - it is the consumers money. There was not a fraudulent check written by this company- it was written by someone trying to defraud a title insurance company, and they succeeded - the bank has insurance in place to cover fraud, and are blatantly not caring about the consumer. This situation is at zero fault of the title agency involved and we would appreciate the money back!
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I am the cosigner on a student loan for my son. It is with CitizensXXXX XXXX Late XXXX, my son was between jobs and on XXXX XXXX he called Citizens/XXXX to request a forbearance. He spoke with one customer service agent who recorded the conversation and said that he was approved for the forbearance and that payments would resume XX/XX/XXXX. He called again on XXXX XXXX to verify that this was correct. He was told that XXXX was assuming the loan from citizens and to log into his portal because they showed that he was in forbearance. Fast-forward to XX/XX/XXXX. I get a credit alert from XXXX that I was 60 days late on this account. This is the same account that we were told was in forbearance until XX/XX/XXXX. We both called several times and were initially told that they ( XXXX ) did not show any delinquencies and that they would investigate and get it removed. 10 days later I get another hit on my credit report indicating 90 days past due. I had to call on 4 separate occasions to XXXX and I finally got an individual who said even though they assumed the loan from Citizens, it was still SERVICED on Citizens platform and gave me the correct number. Needless to say, it should not have been that difficult to reach the servicer of the loan. I then called Citizens to complain as to why as a cosigner I was never contacted either by phone or by mail that the account was delinquent. I was " told '' that I was called and sent mail and they also said that my son received mail as well. This is a false statement. I was never contacted by any method because if I had been, as cosigner, I would have made payments and settled up with my son later. We live at the same address and I am the one who check the mail and would have seen email from CitizensXXXX XXXX The XXXX portal that I have been logging into has no information on this loan that has supposedly been assumed from Citizens by XXXX. I have voicemail on my cell phone to where a voice mail could and should have been left if there had been any attempt to contact me via telephone. I have written and spoken with Citizens requesting a one-time removal of the information because I was never contacted and they swear that I was notified and that they are not removing any information. I made the entire arrear payment that same day that I finally got in touch with the correct lender/department . I also created an online account with Citiznes that same day by which the payment was made. I had been viewing all information via the XXXX website up until XX/XX/XXXX. What is even MORE frustrating is that all the documentation of the contact made by Citizens to me in late XXXX was still in my alert center but ABSOLUTELY NO information, message or email regarding a delinquent status. I am attaching screenshots of the message center of my online account
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A