Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company shows that I am making a {$26000.00} per month payment. I am not making that payment. The account was turned over to a collection agency, but it is not show as discharged with the original company.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Tuesday, XX/XX/2022, I purchased an airline ticket from XXXX XXXX through XXXX XXXX, which is connected to my citizens bank account. There was a hold placed on my XXXX $ and I never received a ticket. I called both parties and they both told me that there was nothing they could do and to contact the other party. I told them that I would file a complaint and they told me that thats what I would have to do.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Account opened XX/XX/2022 With Citizen Bank With in correct name XXXX XXXX XXXX I have no XXXX in my name With a false home address XXXX XXXX XXXX XXXX PA XXXX I believed my social security was stolen and other information was used to open account.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Further to complaint XXXX - XXXX I am writing to raise a complaint regarding Citizen 's bank 's failure to comply with CFPB regulations. Citizen 's response to complaint XXXX - XXXX and the evidence provided to support their response confirms that they had incorrectly recorded customer account details and, as result breached a number of requirements to provide disclosures to prior customers of XXXX as set out in the CFPB Regulations ; notably but not limited to ; XXXX Credit and charge card applications and solicitations XXXX General disclosure requirements XXXX Subsequent disclosure requirements Citizen 's have also demonstrated that they have breached CFPB regulation XXXX ( f ) and provided documented evidence to that effect. This evidence had previously not been provided due to the failures in the obligations to fairly disclose information to consumers as described above.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a business account with Citizens Bank at which I use a credit card XXXX, called XXXX XXXX to accept credit card transactions. XX/XX/XXXX I accepted credit card transactions at my business event, a total of {$160.00} at which I have yet to receive payment for. I called Citizens Bank 3 times and spoke with XXXX, XXXX, and a supervisor by the name of XXXX. XX/XX/XXXX XXXX told me that the funds was being held by the fraud dept but she didn't know why, and was unable to let me speak with someone in the fraud dept because it wasn't her dept. and no one was available at the time. After being on the phone for over an hour XXXX called me back to inform me that they held {$88.00} for a debt that I owed and {$80.00} would be released XX/XX/XXXX. I asked XXXX what debt I owed and why wasn't I informed that I owed, XXXX again said she doesn't know because she is not in the fraud debt. I left a message on the fraud dept voicemail since no one picked up, on XX/XX/XXXX, I asked that someone would call me back. The fraud dept has yet to call me back or respond in ANY form of communication, no letter, no call, no email. I haven't received ANY of the {$160.00} that I worked so hard to get. Please help me to get the {$160.00} back that I worked so hard to get. I would also like this matter to be looked into and STOPPED because not every person has the knowledge of the rights in America or have the time to invest in this matter. I've spent days already trying to get MY money.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
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: Citizens Bank opened a overdraft protection line of credit for my checking account without my authorization, being that they opened the account without my knowledge this caused me to incur negative information on my credit report, I have called several times to try to get the bank to remove the negative information but they haven't done so even though they said they would. I did/ do have a select line of credit with citizens bank which I had with the prior bank before the merger XXXX, when citizens bank took over they took it upon themselves to open a new line of credit for me to act as overdraft without my knowledge or permission which was formerly overdrafted through what is now known as my personal loan. I had also asked them to close my checking account and they haven't done so, I asked for a closing document and they didn't provide it.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX account with Citizens bank. An account was opened in my name that I did not authorize. An overdraft fee and negative balance of {$44.00} was reported today, XX/XX/2022 to Citizens via phonecall. I am following the instructions of the representative from Citizens to report this fraud and she is closing the fraudulent account.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I purchased a phone online through XXXX back in XXXX for delivery by courier. The item never made it to me and the courier ended up never returning the phone back to XXXX, thus stealing the phone. I had taken out a loan with Citizens Bank through XXXX 's website for financing ( loan ending XXXX ). Once I started the claim with XXXX, they cancelled the order and refunded me the first installment that they charged me. I then noticed that the actual loan itself was still open on Citizens Bank 's end. I called XXXX and they reached out to Citizens Bank to tell them that the order was cancelled and the loan should be as well. I then called Citizens Bank when I realized that it was not and they told me that they will put in a request to close out the loan. I called again and was told that as soon as the refund was completed by XXXX, the loan will auto-close out. I waited a couple of weeks, logged on once I received the refund, and it was still open. I called again and was told that the loan never auto-closes and a request has to be put in for it to be closed or no activity on the account. I also want to add that I had another loan through them that I returned the phone and as soon as I made the return and was refunded, the loan was auto-closed. So that makes no sense. I called again and was told that I can request for the loan to be closed since it now has a {$0.00} balance or I can wait so many days and it will auto-close. I requested for them to put in a formal request. I waited again, logged on, and still open. I called again and then I was told that every time I called, that counted as new activity on the account ( I have never heard this before with any company ) and since I kept calling, it was restarting the 30 days or something of the loan closing out. I was also told that I should not be worried since the loan has a {$0.00} so it does not matter since no money will be auto-paid from my credit card on file. It has now been almost a month and the loan is still showing as open.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX XXXX XXXX sales rep did door solicitation, installed home security devices in my home and made to sign a contract and also created citizenspay loan account in my name without my knowledge saying it can be cancelled if I didn't like their services within 3months and also marketed hifi devices but in reality installed very cheap devices. When asked immediately provided discounts of {$1400.00} and said would receive the updated contract with updated amount of {$35.00} per month including the devices cost and their services. But failed to send the contract despite repeated follow-ups and tactfully pushed cancellation time for over a month and when we sent the cancellation email they asked us to call in to cancel but do not cancel on phone saying we have to pay for the devices in full and keep charging to my wife debit card with multiple accounts despite informing them not to do so and recently received threatening call from XXXX saying the account can not be cancelled and would be sent to collections.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Citizens bank bought my loan from XXXX. I have made all my payments timely since XXXX. I am currently XXXX and my husband had a reduction in his salary for a temporary period, so i contacted the company to discuss potential hardship on a temporary basis or deferment or reduction in payments. I was told because its a XXXX unsecured loan They have no options to help me and they threatened to report me to the credit bureau. They said only way i could have any hardship options or even a brief extension is if i went 30 Days past due which would Report in them reporting me to credit bureau but only at that time would they attempt to help me. I have made every payment On time for over three years and they are predators they bought my loan from another bank and will not even give me a simple 1-2 month hardship Or even attempt to help me. I spoke with supervisors XXXX XXXX in repossession and XXXX XXXX in collections and both have confirmed there are no hardship Options for me or deferment or even slight extensions. I don't understand how they could buy me loan and be fdic backed and not even allow me to apply or consider me for this temporary hardship And threaten to report me to the credit bureau especially when i just made a payment 5 days ago but am XXXX payment for this month behind. It was so Horrible what they said to me and how they treated me for XXXX hours on the phone offering me no reprieve because i wasnt a citizens customer when i never wanted to do business with them i wanted to do busines with XXXX. They should not be allowed to buy someones loan and then deny them the right to a loan when they are struggling so badly. This is not right.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A