Date Received: 2023-01-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account with Citizens Bank on XX/XX/2022. My account type was a Student Checking account, which has no monthly maintenance fee, and I signed up with a bonus, such that for a direct deposit of at least {$500.00}, a credit of {$300.00} would be posted within 60 days. I had a qualifying direct deposit of {$550.00}, as well as a personal deposit to start the account of {$50.00}, but later withdrew that money around XXXX to put in a high yield savings account. My Citizens account remained open, albeit at a XXXX balance. This was the case into late XXXX. Today, I logged into my Citizens account, to check on the potential bonus, and I saw that Citizens had closed my bank account. I called Citizens, and they stated that they closed the account on a XXXX balance because of potential monthly maintenance fees -- despite the fact that I had maintained a XXXX balance with them for over a month prior -- and due to not having an account with them, they could not honor the sign up bonus guidelines. Further, the sign-up email for a Student Checking account notes " no minimum balances ''. It is phenomenally outrageous to suggest any incorrect action taken on my behalf, when the selling point of the account was " no minimum balances '', and the closure conveniently occurred when I was due {$300.00}. At no point did any guidelines suggest that Citizens would close the account. Further, no guidelines on the bonus suggest that Citizens does not owe the money to me, if not in the account, then in the form of a check. I received no notice from the bank in advance of their adverse action, and likewise had no other transactions or changes to the account to allow them to void my account and nullify the bonus owed to me. Thereby, I believe I was treated unfairly by my bank, and have thusly contacted the XXXX XXXX XXXX XXXX.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is my second complaint. My first one provoked ONE response from Citizens Bank 's " Office of the Chairman '', but now it's total radio silence. They will not return any of my communications. I am back at square one. I also specifically asked the office of the chairman for the in-person meeting regarding this, which they said I have the right to have ; however, they are still unwilling to do so. PLEASE ASSIST! " My loan is currently being serviced by Citizens One. They have the worst customer service Ive ever experienced in my life. Most of their employees are not trained with the knowledge they need in order to provide the answers and services required. Furthermore, I can not understand most of their XXXX based employees. Over and over again I am promised callbacks, and I never get them. Long story short, I have a forbearance plan that was recently terminated due to conditions completely out of my control in 100 % at the fault of my loan servicer. Without my permission, they changed my mailing address to an address, not even in my same state! And after doing so, they sent me communications regarding my loan/mortgage forbearance plan to that location, with my personal information on it, and never made any other attempts to contact me through any other forms of communication. Then, after not receiving response for meobviously, because I had zero knowledge of them attempting to contact me they terminated my forbearance plan back in the middle of XX/XX/2022. I only became aware of this because somebody came by in person and left a letter on my door. Meanwhile, I was trying to get updates on the status of my forbearance plan and I called numerous times, attempting to leave messages with the rep assigned to my forbearance plan. Never has she ever been available nor would I ever get a callback from her even the customer service would promise it. I am always left in the dark. And I am lied to, and I have no ability to speak to anyone over the phone who is able to provide any assistance. On the loan solution center website, there is zero information updated about my forbearance plan having been terminated. The letter that was left on my door, says that I have a right to an in person interview to discuss options for the current status of my loan. I have called many times and spoken with customer service as well as the loss mitigation teams, at citizens one bank ; regardless, everyone I have spoken to is either without the proper knowledge and training to help me, or promises a call back, and they never do. I am completely unable to get the in person interview scheduled, as I am told him that letter that I have the right to have. Also, and most importantly, in effect, I am unable to get my forbearance plan reinstated. The overall issue is that my forbearance plan was terminated because citizens, one bank changed my mailing address without my permission, and even after I requested it be changed back to my current address, they failed to do so multiple times, which they admit to. Their incompetence and inability to simply schedule an interview has me stuck in limbo regarding my current living situation, as well as my loan, itself. Please assist! Thank you, XXXX XXXX ''
Company Response:
State: ID
Zip: 83686
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On Sat. XXXX XXXX, I noticed that a check had been cashed in the amount of {$5500.00} against my checking account. The check that I wrote was paid to XXXX and the amount was for {$130.00}. The check had been dropped in a public mail box and was stolen. The check had been altered and paid to someone that I do not know. I usually check my checking account daily but I didn't check my account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the bank on XXXX XXXX at approx. XXXX XXXX to report it. I was told to file a police report and to also contact the XXXX XXXX. I did file reports with both. On XXXX XXXX, I received a letter from the bank stating that the check had not been altered, but even XXXX XXXX can see that it had been altered. On XXXX XXXX, when I contacted the bank, I was told that I would receive the money after XXXX - XXXX business days. XXXX XXXX, when I contacted the bank I was told that I would receive the money in XXXX - XXXX weeks. I filed a Declaration of Altered Endorsement, sent a copy of my check register, police report, XXXX XXXX with the original amount owed. XX/XX/XXXX, I was told that I would get a provisional credit in XXXX XXXX XXXX days. XXXX XXXX, I received a letter stating that the bank was awaiting a response from the other bank where the check was cashed. XXXX XXXX, I was given a claim number. XXXX XXXX, I was told I would receive the money iXXXX XXXX XXXX XXXX weeks. XXXX XXXX, XX/XX/XXXX, I called the bank once a week. I was told that someone would contact me on XXXX, XXXX. I was going on XXXX XXXX, XXXX - XXXX. This was supposed to be my XXXX money, I had to dip in my savings again. No one contacted me on XXXX, XXXX, I went to the bank and still nothing. I have a serious problem when the bank doesn't do what they say they are going to do. I have to leave work early in order to go into the bank during the week because of my work hours or I have to wait until XXXX. I was told on XXXX XXXX that it would be resolved mid week the following week. I was contacted on XXXX XX/XX/XXXX, still nothing. I was contacted by the bank today, XX/XX/XXXX but still nothing. I have had it. I didn't do anything wrong, just tried to pay my XXXXXXXX XXXX Hopefully, I spoke to the tellers and all of the bank representatives kindly, but it is hard. You keep hearing I'm sorry, but I'm sorry doesn't pay the bills. My family vacation would have been ruined if I didn't have savings. It got to XXXX XXXX I said up front, please don't tell me you are sorry. That really hits XXXX XXXX XXXX It has been XXXX weeks and I am still waiting. I am past frustrated, I'm mad now. What is FDIC for? What does it mean?
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: ISSUE # 1 The end-of-day balance on XX/XX/XXXX according to the online ledger and, according to my knowledge, was {$64.00}. However, the bank charged me {$100.00} in overdraft fees for transactions done on XX/XX/XXXX because of transactions that came thru on XXXX ISSUE # 2 The bank also charged me {$35.00} to place an ACH block on XXXX and this block would stop this company from going into my account. However, on XXXX this company attempted to debit my account. However, I did not incur a return check fee, and the bank said this is how an ACH block works.
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/21 XXXX XXXX reported to XXXX that I had an account with them and was closed overdrafted in the amount of {$1100.00}. The address they have listed for me is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. On XX/XX/21 Charter One Bank reported to XXXX that I also had an account with them and was closed overdrafted in the amount of {$1000.00}. The address they have listed for me is XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never had any accounts with either one of these banks and I have never lived at either one of these addresses. I have never even been to XXXX XXXX XXXX Per CFPB regulations Im demanding that XXXX removes this false information off my report immediately! They are negatively effecting my banking relationships by reporting frivolous information. Please help me with these two frivolous reporting. Please Im begging you for your help in this matter.
Company Response:
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citizens Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. CItizens claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from Citizens for XXXX dollars. Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to Citizens.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is the second report that I am filing against CITIZENS BANK on the same issue. Citizen Bank unauthorized furnished an inquiry on my consumer report. This is a violation of my consumer privacy right is stated by congress in the following : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 1681a - Definitions ; rules of construction Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : XXXX defamation of character XXXX negligent non-compliance XXXX civil liability XXXX mental anguish XXXX. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: {$640.00} was grew to owed due to a persons opening a line of credit. Therefore the account went delinquent and was closed. [ CitizensOne ] Rhode Island.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A