Date Received: 2023-01-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX, MA there was a Housing Grant XXXX XXXX One Mortgage that was income limit based. My Mortgage Loan Officer had me apply for one program, was overqualified, then applied for another program, uploaded all of the required documents in a timely manner, paid for home inspection, appraisal, to then be told, I was over the income limit. So I didn't close/ won't close as anticipated. Moved $ over from Retirement, not a lot, but will have to address any tax penalties. So the loan officer couldn't tell me that before that I was over the limit? Before I paid {$890.00} for inspection & more than {$400.00} for an appraisal, on a house I won't obtain or acquire. What a reckless waste of time & my hard earned $ and time. Is there no recourse for me as a first time home buyer?
Company Response:
State: MA
Zip: 01905
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Dear Concerned, I initiated an International Wire Transfer on XXXX in the amount of {$10000.00} with Citizens Bank in XXXX, NY located at XXXX XXXX XXXX, XXXX XXXX NY XXXX to transfer to my biological brother in XXXX XXXX As provided information from the banker named XXXX, money was supposed to be available to the beneficiary recipient within 2 to 3 business days. It has been more than 3 weeks and there is trace of that money with any bank. I have tried numerous times to contact Citizens Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX but been disappointed as I could not get any information about that wire transfer. During this period of time I did not get a single satisfactory response from both of the banks involved despite multiple attempts. I paid {$80.00} tranfer fee in addition to the actual transferred amount of {$10000.00}. Thanks
Company Response:
State: NY
Zip: 12304
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citizen 's Bank sent me a check for {$3.00} addressed to XXXX, a credit card I have but had paid in full in XXXX. I had no idea why a check addressed to them was sent to me, a bill that had already been paid the month before so I deposited it back into my account, and the bank subtracted {$3.00} from my account. They the charged me {$30.00} for overdrawing my account in XXXX. No matter how hard I tried, they tried to tell me that the withdrawal for money I had deposited was warranted. Had I just thrown it in the trash or sent it to XXXX XXXX, XXXX XXXX would have refunded me the {$3.00}. I am confused as to why a bank would mail me a check meant for a credit card company. The money I did not owe them then turn around and deduct the money from my account. I guess I should have thrown the check in the trash! I have had nothing but trouble with this bank from being thrown out when I wanted customer service ( I had my XXXX, deaf registered therapy dog with me ), to a frozen ATM card they could never explain after waiting 45 minutes for customer service on the phone, an ATM card that never was replaced when promised, a promised {$200.00} rebate for putting {$200.00} a month in my savings to account 3 months in a row when their customer service said I was good to go for the rebate, etc. I am XXXX XXXX XXXX and this is no way to treat a senior on a fixed income. XXXX has so many complaints they have one star for their customer service.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citizens One Auto Finance is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act Citizens One Auto Finance failed to perform their obligation to respect and protect my privacy. Citizens One Auto Finance failed to provide me an adequate opt out notice and Ive NEVER granted Citizens One Auto Finance any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Citizens One Auto Finance actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navient breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navient to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Citizens One Auto Finance is required to comply with this opt out notice upon receipt and comply with the follow
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This experience has been with Citizen 's Bank. On XX/XX/XXXX, I noticed XXXX purchases from my checking account that I did not make that had posted on XX/XX/XXXX. They were for the amounts of {$20.00}, {$20.00}, {$21.00}, {$38.00}, {$31.00}, {$15.00}, {$16.00}, and {$29.00}. All these purchases were made in a different state than I live, at a XXXX 4.5 hours away. I immediately called the bank and reported this activity. I filed a claim and cancelled both cards on the account. I asked to close that particular account, as I felt this account was compromised, but was told not to close the account, as the bank would need a place to return the funds after the completion of the investigation. I also transferred the remaining balance of that account to a different checking account within Citizens, to prevent further loss of my money. On XX/XX/XXXX, I received a notice that my account was overdrawn, and upon reviewing my online statements, I found 4 more fraudulent transactions that had posted on XX/XX/XXXX in the amounts of {$6.00}, {$26.00}, {$13.00}, and {$19.00}. These purchases were made at the same XXXX in many hours from where I live. I called and filed a claim for these purchases as well. I asked again to close this account, and was told, again that I should not do. An alternative was offered to place my account in a credit-only status, so that no money could be withdrawn from the account. I was then transferred to the collections department, who informed me that placed my account in a credit-only status, even though they usually only do this for accounts that are in collections ( my account was not in collections ). She told me that she would make a note in my account that I had an active fraud investigation pending, as the reason for this and informed me that after the investigation had resolved, I would need to call the collections department back and request termination of this status. We had money deposited that resolved the overdrawn status of the account. On XX/XX/XXXX, I still had not heard any news about these claims. My husband, who is also on the account, received notice that our account was, again, overdrawn because even though the account was supposed to be in a credit-only status, Citizen 's bank allowed pre-authorized bills to be deducted from the account. He called the bank and asked them to charge back the amount, as nothing was to come from this account, but he was told that there was nothing they could do. I called them back to inquire about this, as well as the claims I had submitted almost a month ago, and was told that not only was the account in normal, active status, but my claims had been denied, as the bank felt there was " no error. ". I had never been contacted regarding this and they were unable to provide any information as to why the bank felt the claims were unfounded. The customer service representative, scheduled a phone call with the fraud department, but they never called me. I made another call, later that day, letting them know that I never received a call, and asked to be transferred to the fraud department, supervisor, or given a corporate number. The customer service representative told me that the fraud department does not take calls and the only thing he could do is request another call. He denied that there was someone else that could help or a corporate number that I could call. I tried to express my frustration and without warning he placed me on hold and never returned to the call -- the call was terminated on their end. At this point, I realized that my money is not safe in this bank, and I transferred all my money from the other accounts I held with them to an external bank, after which I was locked out of my online banking account. On XX/XX/XXXX, I called again, and was able to speak to a customer service supervisor. She was also unable to be of much help, only requesting, yet another appointment with the fraud department and removing an overdraw fee ( after my account had been wrongfully overdrawn ). She was unable to address the fact that I had still, not even once, been contacted to discuss my claim. She gaslighted me, telling me that accounts are not placed in credit only status, per customer request, even though this is what occurred. She also told me that it was not true that I should not have closed this account, as the funds could have been placed in a different account. I assured her that my account of events is true, and asked if an internal investigation could be performed, since all of these calls are recorded. She replied that no one is able to listen to these calls, as they are only for training. Adding insult to injury, she was apathetic to the ways in which I was misled and wronged by the bank. Stating only, " I have documented your displeasure. '' When I asked what this documentation does, she confirmed that it would not help to resolve my situation and would potentially help lead to internal changes in bank policy. Not only, had I been failed by the bank by not notifying me of suspicious spending patterns, I had also been failed on many levels by almost each person that I spoke with, by receiving incorrect, and conflicting information, and I was being held responsible for punitive charges caused by their mistakes. Had they closed my account either of the initial 2 times that I asked, or actually held my account in credit-only status, my account would not have been overdrawn. The fraudulent charges could have also been caught after the first episode. They also never even contacted me to inform me of the status of my claims. In trying to resolve these issues over many, many phone calls, there also seemed to be no way to speak with anyone who could take steps different than what has been repeatedly done to actually solve the problem at hand. I finally asked the supervisor to close all my other accounts with Citizen 's bank. On XX/XX/XXXX, As I was preparing to file a police report regarding the theft of funds from my account, I noticed 4 additional fraudulent charges from the same XXXX several hours away. Those charges posted on XX/XX/XXXX and were in the amounts {$33.00}, {$22.00}, {$47.00}, and {$5.00}. I called and reported this activity. I also filed a police report with the XXXX XXXX Police.
Company Response:
State: ND
Zip: 58078
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX my checking account at Citizens Finacial Group in XXXX Ma was over drawn due to an automatic bill pay that I had set up to pay my XXXX XXXX XXXX via ACH by the XXXX of the month. On XX/XX/XXXX. I transferred money from my home equity line of credit to my checking account at citizens financial group to cover the overdraft but the original payment was automatically reversed by the ACH system managed by XXXX. I then set up a new bill pay to pay the bill which was scheduled to go out on XXXX. I login in to my mobile app on XX/XX/XXXX and saw two outgoing payments four the same amount. I called the Citizens bank and spent an hour on the phone with a rep who explained that the fiserv system will automatically retry to send the payment three times and it will cause an overdraft three times and there is nothing that they can do to stop it. On XX/XX/XXXX, I noticed that my account was still overdrawn and the second reversal of the transaction had not occurred. I called the citizens financial group today XX/XX/XXXX and have been on the phone for two hours. During this time I have been lied to, and misled and transferred and kept on hold only to ultimately have my call been rerouted back to the original main customer service queue. And I have been told that the line is recorded and that my original problem as well as my subsequent complaint was being logged so that the tech group would investigate what happened to. But when I called back and demanded to speak to a supervisor, she admitted that none of the four prior reps had logged the problem. She opened up a complaint ( complaint # XXXX ) and gave me a number to call back to track the complaint ( XXXX ). I was then transferred to the escalation department and spoke to the tech support manager ( XXXX ). Who said there is nothing that can be done and that I can not call XXXX directly to follow up. The other XXXX reps had told me that they couldnt call XXXX but that I could. I need help to get this problem resolved but I also need to formally file a complaint about the fraudulent And internal misinformation that I have been given by the bank representatives about how mobile pay and bill pay works at the bank.
Company Response:
State: MA
Zip: 02492
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Subject : XXXX Citizens Bank XXXX XXXX XXXX XXXX RE : Mortgage Loan Number : XXXX Property owner/address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX WI XXXX Parcel number for property in La XXXX XXXX WI : XXXX Escrow account on Citizens mortgage for property taxes and insurance ( XXXX homeowners policy XXXX Time Line XX/XX/XXXX I met with my accountant and financial advisor. Reviewed XXXX tax strategy : In even-numbered years, I pay two years of property taxes so that I can exceed the IRS standard deduction in order to itemize. XX/XX/XXXX The mortgage on XXXX XXXX XXXX XXXX, La XXXX, WI XXXX is new in XXXX. After my XX/XX/XXXX XXXX tax meeting ( above ), I wanted to verify with Citizens Bank ( the mortgage holder ) that ( 1 ) I was Option 1 for property tax payment ( meaning escrow funds for property tax sent to me as a check to disburse to the City of XXXX XXXX for property tax payment ) and check the amount to be paid from escrow. To answer those questions, XXXX called Citizens ( XXXX ) XXXX, spoke with a tax agent who told me : I was Option XXXX Citizens didnt have the property tax bill, but check will be sent out about XX/XX/XXXX after property tax bills are issued by the XXXX XXXX XXXX XXXX XXXX The representative said the amount I could expect is {$4800.00}. I called the Citizens escrow department using the tax department number ( XXXX ) XXXX, and requested that escrow be removed from my account. The person put in the request and told me I would receive a letter letting me know if I was approved, and would be charged .001 % of principal balance to remove escrow. The process for removing escrow would likely take 30 days before completed. XX/XX/XXXX I received this message from Citizens Bank about a property tax payment through the Citizens app ( screen shot below ) : The property tax amount of {$3900.00} ( above ) did not match the amount ( {$4800.00} ) quoted during my XX/XX/XXXX call to Citizens. Given this information, I was going to be short more than {$900.00}, which I had to come up with on my own, to pay my property taxes. XX/XX/XXXX Before calling Citizens about the discrepancy in the property tax amounts, I did some research about balances in my escrow account. On my closing statement for the loan, I paid {$2800.00} for property taxes ( {$400.00} x 7 months ) The amount I paid Citizens escrow account for property taxes with my mortgage for the remaining amount was {$400.00} x XXXX {$2000.00}. Adding those two numbers together equals : {$4800.00}, which was a few pennies off from what I was quoted by Citizens as the amount available to pay property taxes. For more than 4 hours, I spoke with Citizens employees in customer service, mortgage services property tax ( 2 times ), escrow, ( 2 times ). No one had any answers and passed me back and forth between the tax and escrow departments. I started asking to escalate the call. Even doing that netted me no answers to the issue. I have pages of notes, but the individuals I have noted include : XXXX XXXX XXXX in customer service, XXXX ( verified it was a check, not an electronic payment, was issued ) XXXX ( insurance department ) ( who got XXXX employee # XXXX XXXX insurance on the line ) XXXX was the hero of this story, he called me back and told me he called the XXXX XXXX Department and was going to talk to the tax department AGAIN ) There were others, but I dont have all the names in my notes. Most of the time, however, I was on hold. XX/XX/XXXX After all the frustration with my Citizens call, I reached out via text on XXXX to XXXX XXXX a representative at XXXX Bank, who helped me with the original mortgage, before it was sold to Citizens Bank. I sent him the image ( above ) and what I knew so far, and he said he would escalate it to our account rep. On XXXX, XXXX texted the following when I asked if he heard anything from Citizens per our account rep they arent able to release further information to me, because the situation has been escalated to the office of the chairman at Citizens bank. I was told a representative from the office of the chairman would personally and directly be in contact with you, however. XX/XX/XXXX Since I hadnt received the tax bill from the city nor the promised check from Citizens and it wasnt clear from my XXXX call if I would be receiving a check or a error was made with an electronic payment, I wanted to be sure payment hadnt been made from Citizens to the city in error as damage control. I reached out to the XXXXXXXX XXXX XXXX XXXXXXXX and spoke with XXXX in the Treasurers department and XXXX. Both said there was not a check or amount submitted to them for my property or any othersince tax bills hadnt been sent out yet. Also on XXXX. I received call from a woman who said she was a researcher at Citizens Bank at XXXX XXXX. from the number ( XXXX ) XXXX. I was shopping, and didnt have my notes, and didnt catch her name. I gave her the information I remembered. I assumed that call was the escalated call from the chairmans department that XXXX XXXX told me I could expect. XX/XX/XXXX I received a call from XXXX in the chairmans department. She said she called me on XXXX and left me a voice mail. She was calling to follow up since she hadnt heard from me. She gave me her phone number ( XXXX ) XXXX. And I reviewed everything above. Note about alleged XXXX call ( above ) : Subsequent to speaking with her, I looked for the XXXX voicemail she claimed to leave. I have no record of the call, nor a voicemail on my cell phone on that date from anyone from Citizens or any unknown number. I verified that with XXXX XXXX as well. I only had XXXX calls on XXXX, all of them I can identify. I called XXXX back on XX/XX/XXXX, worried that information about my mortgage was left on someone elses phone. In her XX/XX/XXXX call she told me that the research team would be working on it. XX/XX/XXXX I received a check from Citizens for {$520.00}, check # XXXX. I don't know why that check was sent. It matches I called XXXX and left a voicemail about it. Also, I see a credit for {$3900.00} on Citizen 's app on my phone. XX/XX/XXXX XXXX called. I had to end the call because I was caring for my grandchildren. But she said that {$3900.00} had been " returned to Citizens. '' That amount matches the amount of the check No. XXXX that I received and referenced earlier. That also appears on my app as a credit. The app also says under " upcoming '' that " XXXX XX/XX/XXXX '' is still pending for {$4800.00}, which is the original amount I was promised during my first phone call to Citizens on XX/XX/XXXX. I also learned on the call that emails don't really XXXX immediately. I had sent her a screen shot, but she had not received it. I sent her an email containing the information above, with screenshots, but I don't know if she received that one because of the system screening/censoring emails at Citizens before they are delivered. XX/XX/XXXX The following message appeared on the Citizen 's app : " Reminder : On XX/XX/XXXX, your payment will increase by {$180.00}. This could be due to a change in your tax and/or insurance payments related to our escrow account or an interest rate adjustment. Please contact us if you have questions. Since XXXX does not receive my emails immediately because of the screening/censoring function on Citizen 's email system, I left a series of voice mails on XXXX 's line this morning to ( XXXX ) XXXX. The questions were as follows : XXXX. I read her the notice about the mortgage payment increase of {$180.00}. I asked why specifically this amount was being added to my payment. XXXX. Why, specifically was the amount {$3900.00} sent to me. How was that number calculated. Since the same amount was credited to my account, does that make the check invalid? My taxes are due XXXX XX/XX/XXXX. It's XX/XX/XXXX. XXXX. Since emails to Citizens are delayed, did you get my first email with a written description of the problem ( above )? Did you finally get my second email asking about the amount of {$3900.00}? How long does it take for emails to be screened? Hours? Days? Weeks? XXXX. I received a check for {$520.00} no XXXX. What, specifically, was that check sent for. Is it still valid? Note : The total for the two checks sent is {$4400.00}. Less than the amount {$4800.00}, which was promised to me on the phone on XX/XX/XXXX, and that is posted on the app as pending taxes to be paid. XXXX. I had asked that the escrow account be closed, which I received a note saying I could do. But now my payments are increasing ( it must be because of escrow, not loan interest since I have a fixed rate mortgage ). I want to know if she contacted the escrow department and when that can be resolved. I don't want to give them more money -- it might make this worse. XXXX. Last call. I asked her to call me today to assure me that she received my messages and would forward those specific questions to her " internal research team. ''
Company Response:
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My issues revolves around proper payment processing with Citizens Bank out of XXXX In XX/XX/2022 I made 2 in full monthly payments, then another in early XXXX My goal was to stay one month ahead on my payments. Citizens took my second XXXX payment and applied it was " principle only '' payment. Yet, they did not apply 100 % of that payment to principle, thus taking out interest. I called in XXXX and questioned it and was told that due to their payment processing system, they can not accept full payments in advance. They offered to reply my second XXXX payment for XXXX and then took my XXXX payment as " principle only '' and took off Interest while applying. Then they applied my XXXX to XXXX, which should have been XXXX XXXX payment. And then on XXXX, i get an invoice due in XXXX XXXX?? I am literally fighting with them for prepaying a full payment amount. How does a Bank get away with taking interest out of a " principle only '' payment? If they they applied 100 % to principle, I get it, but when they take interest out, it is the definition of a monthly payment. And how can a Bank not accept full payments to pay the account ahead, especially in such uncertain economic times as today? Again, all i am trying to do is responsibly pay my account ahead. All full payments are accounted.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX @ XXXX eastern standard time. I XXXX XXXX XXXX deposited into my personal Citizens Bank Savings account ending in XXXX, a treasurer 's check from XXXX XXXX XXXX XXXX XXXX in the amount of {$190000.00}. I received receipt of this deposit as well as a notice of hold informing me that a portion of this deposit in the amount of {$190000.00} was being put on hold and will be available on XX/XX/XXXX. On XX/XX/XXXX, I contacted the customer service department of Citizens Bank and spoke with a representative and then I was put on hold for a few minutes. When the representative came back on the line, she informed me that I was going to be transferred to someone in corporate security. I spoke to a gentleman, he informed me that the deposit has been placed on an extended hold. I asked why and explained that the receipt is showing the funds should've been cleared the day before. He said that because of the large amount of the check, it would need to be verified by the issuing bank that the funds are available. I said this does not make any sense because this is a treasurers/cashiers check and that these types of checks clear in less than XXXX hours because the funds are made available immediately and that is the reason for these types of checks. He told me that I just need to be patient and wait and someone will contact me when everything is cleared up. I gave them a few days before this deposit has still not cleared. Please note that the {$220.00} not being put on hold still has not cleared and for some reason I am already receiving interest credits on a check/deposit that has not cleared my account yethmmmm. I called someone from the customer service department the next week on XX/XX/XXXX and was told that this deposit is now under review by the corporate security department and that no other information is available. I asked to speak to a manager and I was connected to a supervisor who was going to assist me. While on hold with that supervisor the call disconnected. I called back & the representative that I spoke to refused to transfer me to a supervisor because the system notes said I had already spoken to XXXX. I insisted that she transfer me and she insisted that anything that I needed help with she could assist me with. I addressed my issue once again and the response I got from her was the same response, that this deposit is under review and the expiration date on the extended hold was XX/XX/XXXX. So what youre trying to say is that my deposit could be on hold for almost 4 years and you cant give me any additional information and not even an explanation of why it is under review in the first place?? I called back XXXX more time and spoke to a representative that informed me that the notes for this deposit have been updated and the check will clear in XXXX business days. On XX/XX/XXXX, I checked my account and the check still did not clear so the previous representative I spoke with, either didn't know what she was talking to or just straight up lied just to get me off the phone. I then called the customer service department again and kept getting hung up on. I finally spoke to a representative and they informed me that the best thing I can do is to visit a branch and speak to a banking professional. I went by the branch and spoke to an employee and they couldnt do a thing for me. They told me to contact customer service and that they can help you with this problem. I said that is so funny because that is the same thing they said to me when they told me to come by the branch and speak to you. The woman assisting me finally attempted to contact the back office to try and get some real information or at least an update about my account. After speaking with the back office. The only thing I was told by the branch is the only thing the back office was able to do was suggest I go back to the bank where the check was issued from and ask them to provide you with a document of proof that the check was issued correctly, withdrawn from the correct account and that the funds are fully verifiable. I asked her if she was nuts. That is the entire point of me depositing a check into my account because that is your job to make sure a check you are cashing has the funds available so you can clear it and make the funds available in my account. I asked her are you for real? Her response was, I am sorry sir, I have no power to do anything for you from here and this is not under my purview. After that I contacted customer service at the issuing bank and told the representative I spoke to exactly what Citizens Bank was asking me to request from them and her response immediately was. We dont do anything like that and dont need to do that because you were issued a treasurers check and the funds are immediately available. She told me that she was looking at the account and the funds are no longer available in your account because they were taken to cover the treasurers check that we issued. She also said that I should look into switching banks because this is the most outrageous thing she has ever heard & this bank just sounds XXXX requesting information like this and for holding up your funds for this long. Later that afternoon I contacted XXXX XXXX. from the Citizens Banks Office of the Chairman and left a voicemail message with my complaint and all of the information to contact me back to discuss this problem. Her voicemail message stated that all calls will be returned within XXXX business hours. We are now looking at 4 days and XXXX hours later with no response from this office. On XX/XX/XXXX, I contacted this office again and left a message once again for someone to call me back, and explained how I left a message on Monday at the beginning of the week and that nobody has contacted me back. I also explained the urgency of the request and that someone call me back at their earliest convenience. After being frustrated after leaving this message, I used my research skills and was able to track down phone numbers for XXXX more employees that work in the same Office of the Chairman and to my surprise, they all conveniently have Friday off. So I decided to leave each and every XXXX of them the same voicemail requesting someone call me back to discuss my issue. Im writing this complaint on XX/XX/XXXX and nobody from this unprofessional company has ever reached out to me regarding this issue. Later that day I went back to the branch to file a formal complaint in the hopes that it would be escalated to the Office of the Chairman so that at least it will be on file somewhere within the company. This was submitted on XX/XX/XXXX and the case number that I was given is XXXX. After submitting this case, nobody from any department ever reached out to me to this day. After this the branch was able to get a hold of someone in the corporate security office and they informed her that someone would be reaching out to me at the beginning of next week, which would be between XX/XX/XXXX or XXXX, XXXX. It is now XX/XX/XXXX and nobody from that unprofessional department has ever reached out to me to explain why this deposit has been under review, extended hold and the funds not being cleared or made available to my account for such a long period of time. I explained multiple times, you dont have the authority to hold my funds for this long and that you are breaking federal law by not making the funds from this treasurers check available in my account within XXXX to XXXX business days. Also you can not hold my funds without a clear and detailed explanation of why you are doing so. In addition, on XX/XX/XXXX at XXXX from telephone number ( XXXX ) XXXX someone from Citizens Bank XXXX a telephone number via telephone, a phone number that is not associated with my account and spoke to someone that is not an authorized user on my account and provided them with confidential information about my account. I will be consulting with my attorney and may possibly take further legal action.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I've contacted CITIZENS BANK NA & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. CITIZENS BANK XXXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A