Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I applied for a credit card through Citizens Bank and was denied. application ID # : XXXX. The only reason Citizens bank claims I was denied is due to " NUMBER OF ACCOUNTS WITH MAJOR DEROGATORY EVENT '' Citizens Banks claims they received this information from XXXX. However when I pulled a copy of my XXXX credit file I was unable to confirm and Derogatory accounts. SO that I may be able to confirm whether I am a victim of possible fraud I am asking for Citizens Bank to please provide me with two ( 2 ) simple answers. 1. What month and year is the most recent Derogatory account they found in my credit file? 2. How many Derogatory accounts did XXXX report to Citizens banks? I would like to believe Citizens bank has an interest to protect consumers there is no reason to deny me this information
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed on a home equity line of credit through citizens bank on XX/XX/2021. I was under the assumption it was a fixed loan as the paperwork states. In an area I was shown on an auto debit authorization form which listed both customer information and financial institution information which was signed. The customer information column includes loan account number which states fixed loan. The other column under financial institution information lists a corresponding citizens bank checking account that was canceled soon after the transaction that offered a percent reduction for opening the checking account with citizens bank. I found out its not a fixed loan and I was never able to take advantage of a percent reduction. In a year my percentage rate rose from 6 to a current rate of 9 percent.
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: RE : Complaint ID XXXX. On XX/XX/22 I received an E-mail from a XXXX XXXX XXXX claiming to be from the Office of the Chairman at 'Citizens '. She said after failing to contact me at my home phone number she sent me this email requesting that I call her at this phone number XXXX. Well I did call this number, over 12 times between then and XX/XX/22 and always got the same recorded message about how she is usually in the office between XXXX and XXXX. I am beginning to wonder if she ever is 'in the office '.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citizens Bank Credit card XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016 Late payments on credit card 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : States consumer reporting agencies can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I called Citizens bank about the fees this bank shouldn't be charging several times after they acquired XXXX free checking accounts since XX/XX/2022 - first they tried charging monthly fees illegally, then came up with a statement delivery fees. It's illegal to charge customers such fees first of all because it's a responsibility of the bank to provide account statements to customers, but moreover because they have bugs in their online app, and they were notified about that over the phone as well. Please take appreciate action. Thanks in advance. A representative credited the fee for the statements retroactively 3 months ( XXXX USD ), but asked for an email address, insisting on a paperless option, although I've told her that it would be better if they fix their online banking bugs first. Until they will - paper statements delivery is their only option to do things right for their clients.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited XXXX citizens bank checks into my account and I never received any of the funds from the checks for the XXXX and the XXXX citizens bank checks that I deposited
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have had a credit card with Citizens Bank for approximately XXXX XXXX XXXX XXXX XXXX. I was initially granted a credit line of {$9700.00}. A few months ago I was about two days late to a payment. Totally my mistake. I was very busy, lost track of the days, and made a payment the moment I realized my error. Citizens retaliated by cutting my credit limit down to {$4600.00}, with no warning and no explanation for weeks following the decision. Fast forward a few months to yesterday. They sent me an email stating that my credit limit had been restored to {$9700.00}. I was greatly relieved as the limit cut had hurt my credit score. I called today to inquire as to when the increase would take effect. I was told there was no increase and that the email must have been a scam. I work in tech and am trained to recognize scam emails, and I assured the agent that this email was from Citizens Bank. It wasnt until I requested a supervisor that they CONFIRMED that this email was sent by Citizens in error and had been sent to multiple customers. They offered a lukewarm apology and no recourse at this time. I am disgusted and strongly considering moving my finances to another bank that has more respect for their customers, and is more careful with their communications.
Company Response:
State: MA
Zip: 01832
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed a complaint # XXXX, which has been closed. I received ( 3 ) three-month forbearances due to Covid & I thought my bank had NOT extended the maturity date of my loan, but they did. I was wrong. That fact made me realize that the payoff amount the bank says I owe is incorrect ( too high. ) On XXXX I requested an amortization showing all of my payments & how they were applied & I've received it. The maturity was extended by 11 months. My loan started in XXXX ; it was for {$25000.00} for 15 years ( XXXX payments ) at 7.6 %. My original documents say my total payments would equal {$41000.00}. The amortization shows I've made XXXX payments which I calculate totals {$41000.00}. The amortization shows the XXXX forbearances & XXXX skipped payments ( which I was allowed to do for a {$35.00} charge ) XXXX in XXXX & XXXX in XXXX. My bank says I owe {$2000.00}. I produced an amortization on an online calculator that allows skipped payments & the amount it says I owe is significantly less ( I actually set it up to start in XXXX & end in XXXX & skipped the same months. ) There are entries on amortization from XXXX I question. XXXX XXXX XXXX {$1700.00} & XXXX XXXX XXXX {$1500.00}. I tried to call to discuss this yesterday, XXXX. I talked to XXXX different people in various departments. None of them could help me. I tried to call individual with office of chairman, but could not connect. I faxed paperwork for modification due to hardship on XXXX & have heard nothing.
Company Response:
State: PA
Zip: 157XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I received a mail notification of " Final Request For Overdrawn Payment '' from Citizens Bank XXXX Citizens Bank, N.A. ). The amount overdrawn per the letter is {$45.00}. The letter included the correct home address and correct name spelling. It also included the final 4 numbers of the bank account. I do not have and never had a Citizens bank account.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 I made a {$200.00} cash deposit at the Citizens Bank ATM machine located at the bank in XXXX, CT. The machine didn't give me a receipt. So I went into the bank and explained to the teller what happened. She told me that they were having trouble all day with receipts at the ATM all day. When she went to print me one the funds weren't showing on her computer. She then explained that the ATM is serviced by a third party and I'd have to wait till the following Thursday till they serviced it. For me not to worry because it video records everything, my face, the money going in, everything. So they will audit it and I will get my money. She said that now that she documented it, my account wouldn't overdrawn and they would take care of it. It is now XX/XX/22 and I have made 5 calls to the branch manager. She keeps telling me she escalated the complaint and it's out of her hands. No one has contacted me to this date and my account is being charge everyday for being overdrawn with penalties. I would like to note that there was nothing every written on the ATM or on the screen saying that the bank doesn't sevice that machine. It has Citizens Bank plastered all over it and its at the drive through of the bank.
Company Response:
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A