Date Received: 2022-12-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My claim was denied by citizens. I provided documentation that I was charged twice. The overseas company I disputed is clearly lying. All of the documentation that the company provided us made up. I had no previous business with then. It is egregious that I provided proof and my claim was denied. They clearly did no real investigation.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CFPB WRITE UP In accordance with the fair credit Reporting act Citizen XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account XXXX XXXX Citizens Bank. I do not have a signed agreement with Citizen 's Bank. It is showing the account is closed on my credit report but again, I do not have a signed agreement with Citizens Bank.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check written on a Citizen Bank checking account for {$200.00} was stolen washed and cashed for {$6300.00}. I reported it to the bank as soon as I got my statement on XX/XX/22. I also reported it to the Police and the Postal Inspectors. The bank sent me a XXXX XXXX which I filled out and returned on XX/XX/22, the same day I received it. Citizens Bank claim number XXXX. They sent me a letter dated XX/XX/22 that they have reached out to the originating bank ( I was told it is a XXXX XXXX ). On XX/XX/22 I contacted Citizen Bank and was told that they had not received a response from XXXX XXXX and that there was no deadline for them to do so. This is a huge amount of money for me as I am a XXXX XXXX citizen.
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have a loan with Citizens Bank. On XX/XX/XXXX, my debit card that was on file to make monthly automatic payments was canceled due to suspicious activity. As a result, I was issued a temporary debit card and a permanent debit card from my bank within a one month span. Because my automatic payments could not be made with my initial debit card, I received an email from Citizens Bank notifying me to update my payment information. I immediately updated my card information with the temporary card in XXXX and the permanent card in XXXX. Citizens Bank did not immediately charge my card ( XXXX ) the day I updated my payment information. As a result, there were two missed payments that appeared on my credit report and my excellent credit score dropped by XXXX points. I would like to report that Citizens Bank intentionally did not take out the amounts I owed in XX/XX/XXXX and XX/XX/XXXX and as a result, my credit score has plummeted. I spoke with a customer service manager by the name of XXXX on XX/XX/XXXX and she refused to remove this from my credit report despite me making payments and explaining the circumstances.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Citizens was offering their credit card with a promotional {$100.00} credit towards XXXX precheck. I purchased XXXX precheck and never received my {$100.00} credit. When I asked them why they stated that the transaction name did not match XXXX precheck and they would not honor their promotion.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am continuing to get monthly statements that are affecting my credit. My purchase was cancelled before it even arrived. They continued to charge me for shipping and interest. I paid that to get them off my back but they are now calling again. Ive spoken to multiple people there that confirmed the account should not be active.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Citizens Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Citizens Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Citizens Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Citizens Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Citizens Bank inquiry removed from my XXXX credit report. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Citizens Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Citizens Bank.
Company Response:
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Balance has been charged off FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My account with Citizens Bank was an account they Bought with XXXX. I was very happy with XXXX, Citizens not so much.There website never works, signins do not work with the most popular browsers. We constantly have to call and wait on hold for hours and we are told upgrade our browsers. Now on top of this CItizens keeps Charging me services fees. As a 16 year long customer of XXXX I never had fees for statements, or not having direct deposit. CItizens inists on charging me these service charges XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} I want them waived because as an original XXXX customer I never had fees like this. To implement these surprise fees when they bought MY account is bait and switch. they shhould leave the services the way they were. These fees are completely unfair to people on limited income
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A