Date Received: 2022-11-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: To whom it may concern : I attempted to send funds through XXXX from my mobile platform with Citizens Bank on XX/XX/2022. The funds were intended to reach XXXX XXXX. On XX/XX/2022, I received communications from XXXX advising me that the funds were not deposited and that I could expect a return of funds within XXXX business days. I waited the allotted time, but my funds have not been returned. I called my bank ( Citizens ) for information only to speak with the most insensitive XXXX gentlemen who proceeded to check and return with more ridiculous nonsense. XXXX stated it would be another XXXX days before the funds can be returned. I told him I received no communications from XXXX advising of a delay. I advised him that my funds must be returned in the promised time. He stated it was out of his hands. I requested a number for XXXX. He provided XXXX, knowing this was a fool 's errand. It is unclear why he would give me a number that could not provide any information ; I can only assume it was his natural dislike for me as a XXXX woman. Either way, I am still not getting the answers I seek concerning funds intended for the XXXX XXXX to feed the hungry. I hope you can get to the bottom of my dilemma ; as time is running out to feed the poor and homeless, the funds were earmarked to help. XXXX XXXX Citizens Bank Account # XXXX XXXX 's confirmation number # XXXX Please help me. My bank representative wants to play games, and time is of the essence. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: ***Please see XXXX CFPB Complaint - XXXX XXXX ; as the formatting of the complaint is not retained in this 'box '. *** XX/XX/XXXX I am concerned that I am being treated unfairly, with regard to a personal matter on my Citizens checking account in XXXX, due to my affiliation with the financial industry. I currently have derogatory reporting on my credit report from a XXXXXXXX XXXX XXXX and I am convinced this is due to a bank error by Citizens. I have attempted to work with Citizens and XXXX since XX/XX/XXXX, to have this corrected. XXXX has agreed to correct the matter, but Citizens has been less than helpful with resolving this issue. I am attaching documents showing my interactions with Citizens and XXXX between XXXX and XX/XX/XXXX. The last interaction I had with Citizens was a phone conversation with assistant manager, XXXX, where I was informed that there would be no further review of my concerns ( since the previous colleague researched the matter ). She also advised that my request to have the {$20.00} return fee, that I was assessed from this issue, refunded was denied. 1. Why am I being told that it is not possible for the employee who worked my case to have made a mistake, when their job is to help customers resolve complaints and potential errors? Also, I was provided with 3 different response letters and all of them contain inaccurate and incomplete information, as well as typos and grammatical errors. In my opinion, if a thorough review was completed, couldnt those type of mistakes be avoided? After I provided the letter dated, XX/XX/XXXX, to XXXX they denied my request due to Citizens saying I reported the transaction as UNAUTHORIZED. This situation has been extremely frustrating and I would just like to get it resolved. I informed the Bank, multiple times that I AUTHORIZED XXXX to debit money from my account, but they took out the wrong amount. 2. Why does the definition of XXXX XXXX, on the CFPB website, have the below definition of an unauthorized transfer, but Citizens has a different interpretation? The transactions appeared to be separate complaint types when I was entering this complaint on the CFPB website. Per XXXX XXXX, on that is not the case. ( m ) Unauthorized electronic fund transfer means an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. ***I am providing the link to the CFPB website, which contains the information about EFTs. https : XXXX Please note, the aforementioned link is for the version of XXXX XXXX, that was in effect from XX/XX/XXXX, to XX/XX/XXXX, which covers the period when this situation occurred.
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account transfered from XXXX to Citizens bank account with XXXX as it was being used to receive credit card rewards. Upon transferring to citizens I learned that the interest rate was essentially nothing when every other bank is doing better than them. I have tried on multiple times to contact them with it's either long holds and you can not reach anyone or call another number. I have learned that they want to start charging me a XXXX fee for not having XXXX $ in the account or direct deposits going there.
Company Response:
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear sir / madam, The bank is charging my account an Excessive number of overdraft fees. I filed some claims for merchandise never received and for cancelled transactions. In light of supportive documents that I provided to the bank, the bank issued the provisional credits. Some of the provisional credit, the bank made permanent. Few weeks later, however, the bank ( unfairly ) reversed all the provisional credits. Additionally, the bank reversed ( even ) the permanent credits. This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. Please refer this complaint to the right agency to investigate. I further request that this account with this bank be audited by the right agency. I also request that the bank provide all the email communications that they have received from me, as soon as possible. ==================== This is a complaint against ( Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. The merchant continued to charge my card, however, even after I had canceled the transaction with them. I disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. I have never received the goods and need a full refund. Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX =========== The bank should rebate all the overdraft fees for this account. The bank unfairly denied all my claims. The bank should approve all my claims for cancelled transactions and merchandise never received. The bank unfairly let the merchants have the money and the merchandise. ============ Please find the attached two files One with the emails communications between me and the Merchant. The second is with the emails communications between me and the XXXX XXXX in XXXX, Confirming that the merchant artwork is forgery I have emailed the two attached files to the bank on ( XXXXXXXX XXXX ). I have made the bank aware that the merchant is selling forgery artworks. The bank ignored all my supportive documents and discriminated. Then, decided the claims in the merchant favor.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I reviewed by credit report on XXXX and XXXX and found an open account on my XXXX report that was open XX/XX/XXXX with an open line of credit of XXXX with a company called Citizens Pay LOC with a partial acct number of XXXX. The business address is XXXX XXXX XXXX XXXX, RI XXXX and a contact number of XXXX. It shows a balance of XXXX and monthly payments are XXXX. On XXXX, this acct. show Citizn Pay LOC with an acct. number of XXXX. The acct. was open XX/XX/XXXX and it says the acct type is Overdraft/Reserve Checking account. The balance is XXXX and the credit limit is XXXX and monthly payment is XXXX. The business address is reported as XXXX Citizens Bank XXXX XXXX, RI XXXX. I attempted to call this business number and that number XXXX is not a business number. On XX/XX/XXXX I called by credit reporting company and locked my credit file and the company placed my report as a fraud alert. On XX/XX/XXXX I called my local police department and filed a police report. The police report number is XXXX.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ordering Citizen One XXXX XXXX to cease and desist their illegal actions. SEE ATTACHMENT.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I had a checking account with Citizens, due to an involuntary mistake from our side, the overdraft protection of the checking account was activated, this created a debt of {$28.00}, we went directly to the nearest branch to pay the debt and to closed the account, but we were informed by the Branch Manager to forget about the debt and that they were going to take care of that, we insisted several times that it was our responsibility to pay the debt, but they did not let us. Not only they did fix internally the problem but also, they did not close the account ; we only found out what was happening when we receive a letter from the bank indicating that we were late for a payment, we immediately went to the branch, pay the debt and close the account, but unfortunately it was too late as they had already reported the late payment to my wife 's and my credit reports. We have been trying with the bank for them to correct the mistake they caused, and on XX/XX/2022 we finally received a letter from Citizens when they confirmed that they had reported incorrectly information to the credit bureaus, and our account was being reported as NO DELINQUENCIES. Then, on XX/XX/2022 we were notified by one of the credit bureaus that a late payment was reported to our credit reports by Citizens again. We are right now in a negotiation with another financial institution for a line of credit, we are in jeopardy to be rejected because of this situation,
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the terms of the loan, the loan should show a status of forgiven ( or closed ) on my credit report. Citizens Bank has incorrectly reported the loan as a charge-off.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear sir / madam, The bank is charging my account an Excessive number of overdraft fees. I filed some claims for merchandise never received and for cancelled transactions. In light of supportive documents that I provided to the bank, the bank issued the provisional credits. Some of the provisional credit, the bank made permanent. Few weeks later, however, the bank ( unfairly ) reversed all the provisional credits. Additionally, the bank reversed ( even ) the permanent credits. This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. Please refer this complaint to the right agency to investigate. I further request that this account with this bank be audited by the right agency. I also request that the bank provide all the email communications that they have received from me, as soon as possible. ==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. The merchant continued to charge my card, however, even after I had canceled the transaction with them. I disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. I have never received the goods and need a full refund. Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX =========== The bank should rebate all the overdraft fees for this account. The bank unfairly denied all my claims. The bank should approve all my claims for cancelled transactions and merchandise never received. The bank unfairly let the merchants have the money and the merchandise.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello and good afternoon i have a bank account with citizen banks in XXXX ny. I find out that were more than 20 fraudulent transaction i notify the bank ASAP and the bank declined my request in the sum of {$8800.00} the bank doesn't want to be responsible i have contacted the chairman office of citizen name XXXX and he never returned back my call i have exhausted all my options and i need help now i dont want to sue the bank but if i dont have choice i will sue them for taking so long ... ... ......
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A