Date Received: 2023-01-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: It was an offer that if I open a savings account and make three deposits over 3 months you would get a {$100.00} bonus award added to your account- knowing that these things are tricky to navigate I called the bank directly and requested a rep walk me through the process and they did. After three months when I did not receive the award I called and told them my story and how I had the rep walk me through it and the bank did follow up and check the tapes of my call and indeed the rep was incorrect in their instructions so i would be granted the {$100.00} in XX/XX/2022 when the promo ended. Just keep your money there I was told. XXXX came and went and I called once again. This time to be told the manager who granted that solution was no longer with the firm and I should forget about it they r not doing it and on top of it charged me a service fee! They did reverse the fee but that was all they did. The rest hangs in limbo. I feel misled and taken advantage of quite powerless. I am asking for your help to resolve this as it is still an open issue. Thank you.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had account with XXXX XXXX ( I am a XXXX XXXX ) Account was taken over by Citizen bank Since then I have no banking facility at all. Citizens card arrived I could not activate it ( No Citizens ATM in XXXX ) I telephoned US several times over months to activate card. Eventually I managed ti by pass automation and have card activated by agent in US Cost me XXXX pounds XXXX dollars for call I have no access to online banking to activate card to transfer money etc bank can not facilitate this for overseas customers In short lost my bank card and have no access to activate it Calling US Citizens bank does not recognise card number firstly Secondly can not put in social security number as I do not naturally have one In short I receive monthly paper statement to XXXX for an account that has regular monthly payment from US This is all I have Card renewed can not be activated unless I can beat automated bank call And I have emailed Bank customer service I have chosen option on call for callback I have emailed CEO twice To all of my activity above I have had no response
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed as make payable to another party, XXXX XXXX. Seven other people were affected by the same fraud but all of them had their funds returned to them within four weeks by their banks according to information I have. It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. Due to honeymoon of the bride and groom, the first knowledge of the stolen checks was documented by a police report dated XX/XX/XXXX. This report was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. I was notified somewhere between XX/XX/XXXX and XX/XX/XXXX of this fraud, but no longer have the detail of when I contacted Citizens and received information on how to file the fraud claim with them. Citizens responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. I have contacted the Citizens Bank fraud department listed on this letter at XXXX at least ten times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from the other bank. Now, in XX/XX/XXXX, it has now been 16 months and there is no promised path by Citizens Bank for resolution. If this were a more substantial amount, say for a rent payment, a client could be in serious trouble. Thank-you for any assistance.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband passed away XX/XX/2015. Investors bank would not help me or work with me. I asked them to put the few months of mortgage that I owed onto the back end of the mortgage. Instead they did everything they could to foreclose on me. Which they did. I hired a law firm in california and they said to file for bankruptcy to save more time, but they just took my money and now I have a dismissed bankruptcy on my credit file. I have all of the information, documents, etc.
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a credit card statement from Citizens Bank on XX/XX/2023 ; even though there was no balance transaction, I never authorized using their credit card.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problem when making payments
Subissue:
Consumer Complaint: I bought two XXXX phones in XXXX, XXXX and my loans were financed by Citizens Bank , NA for the amount of {$33.00} on each loan every month. On XX/XX/XXXX I was having difficulty logging on to one of my loans because I thought each loan had it's own log in, and contacted Citizens Bank to ask how to process a payment for each account. I was told by the representative to make the two payments for both loans on the main page. The representative failed to explain to me that each loan had it's own page under the same log in. So I processed two payments of {$33.00} on that date and both payments were processed for only one account ( ending on XXXX ), leaving the second account ( ending on XXXX ) with a past due payment. I immediately contacted Citizens Bank again and was told that I needed to wait until the payments were processed to have one of the payments that were processed twice to be reversed and then I would be able to apply to the correct loan. On XX/XX/XXXX I contacted Citizens Bank again and was informed that a request for payment reversal would be put and a credit in the amount of {$33.00} would be posted back to my bank account and then I could make the payment to the correct loan. Today is XX/XX/XXXX and no credit has posted to my bank account from Citizens Bank. I contacted Citizens Bank several times on the past several days and they keep informing me that a credit should post to my bank account soon, but I am still waiting and every time I call, they say the same thing and offer no resolution.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized credit inquiry on my credit reports on XXXX XXXX 2022 2022
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXXXXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX XXXX XXXX XXXX have failed to update it correctly
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XX/XX/2022 2022
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/2022 my home equity line of credit account was hacked. I went to the Branch of Citizens Bank on XX/XX/2022 to explain that my accounts were hacked. The person who went into my account made it look like I made transactions of {$2400.00} out of my account. The same person also hacked my two checking accounts, my savings account with the same bank Citizens Bank. I finally was credited back for the money that was taken out of my checking and savings accounts for {$1800.00}, but not credited back on my home equity line of credit account. I need this taken care of and have my account in good standing again. I am not responsible for these transactions out of my account. If I wanted to withdraw from my home equity line of credit I would not do all these transactions back to back in one day and with these amounts should raise a red flag {$500.00}, {$490.00}, {$490.00}, {$240.00}, {$250.00}, {$250.00}, and $ XXXX makes no sense to do this. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A