Date Received: 2022-11-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a Citizens Checking account in the month of XXXX expecting to receive a new account bonus by meeting the requirements. Terms state that the bonus should've been paid by the end of XXXX, 2022. Have not received the bonus.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I applied and received a line of credit with Citizens bank. The closing took place on-line. I did not receive a copy of the contract at that time. The agreed interest rate was 4.25 %. The rate increased monthly to 7.5 % in less than four months. This clause was not explained to me. and still hasn't. The clause is very hard to understand without some sort of explanation.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our home was damaged on XX/XX/XXXX in the Derecho storm. Our insurance checks were sent to the Citizens Bank and XXXX XXXX but the they are not releasing funds so we can fix our house. We have been in a hotel since XXXX and the state Attorney General has contacted them multiple times and we are getting nowhere. They are earning interest off our insurance payout from XXXX XXXX for the purpose to fix our home while were paying insane interest rates on credit cards trying to survive. We also took out a XXXX XXXX XXXX ) loan to try to pay for the repairs to get back in our home but its not enough. They have put in place systems that slow walk the money as a business model to earn money off of people in crisis. Please help!
Company Response:
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
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: We hired a moving company to move our belongings from one apartment to another for a total cost of XXXX dollars. After we moved, paid for the service and tipped generously, we realized our brand new XXXX monitor ( purchased in XXXX for XXXX ) was damaged. We reached out to the company for resolution. They claimed they interviewed the movers and stood by there claim that they didnt damage it during the move. They offers a XXXX dollar credit for smudges on our tvs and new monitor ( same one that was scratched ). They said this was there final offer and we had 24 hrs to accept. We disputed the charge with Citizens Bank ( the credit card we used to pay for the service ), and we were just told it was rejected. We have a receipt for the item and photos showing the damage and handprints from when they picked up and damaged our monitor. We have never filed a dispute, happily paid for the service and tipped prior to realizing the damage, and frankly at a loss that Citizens bank would not back its customer over the word of the company that damaged our property and failed to replace our property.
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX My wife has fixed rate interest with citizen bank 4 % for 10 years agreement. Based on the agreement it will be 4 % per year but now citizen bank charged 4.750 %. I called to ask why it more than that we agreement. The representative said that the interest rate will base on federal interest rate not citizen bank loan rates. Since the federal rate higher so my wife has to pay more. I feel that we have been missed leading from citizen bank because at the day my wife sings the agreement. The person who assistance us told us it will be no more than 4 % interest rate for 10 years agreement. She didn't say anything about the federal interest rate. I just learned from calling today. If we have XXXX versions of the agreement? XXXX, 4 % interest rate with the citizen bank. Second, Floating rate with federal interest rate. The citizen bank mislead us about the 4 % interest rate for XXXX. If the citizen bank put the Federal interest rate on everyone?
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file 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 XXXX 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
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My escrow waiver has been approved but I have still not received my check. I email the chairman 's office and never get a reposnse.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called bank to check on balance and was concerned as the amount was less than it should be, the next day I called and my account was over draft. The bank informed me of transactions I was unaware of from my ATM card they suggested to get a new card and so I did this time they did not provide a claim numbe. The nex day I clled again and now the over draft was larger and I agin stated it was not me as I keep track of my transactions as I am trying to save some funds towards the future. This time I recieved a claims number. They issued another card. I chekced again and the amount had increased for the over draft and was told that the card was used and I became concerned as I had yet to activate the card. The bank said they would put a hold on the card. I was issued another card and when I called the bank it had been used again. It was a new card and it was yet to be activated!! the bank suggested that I closed the account and restart new. I can not close as my account is overdrafted. they issued another card I did not activate it .... the new card was used the over drft was less than two hundred it is now almost three hundred. I have threee new cards and have activated no cards but someone is still using my ATM cards!!
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: 1. My Citizen Bank account was a legacy XXXX accounts sold to Citizen Bank. 2. Around early XXXXXXXX XXXX, I realize there was an overdraft/outstanding balance ( less than XXXX XXXXXXXX ) in my Citizen Bank Checking Account. 3. On XX/XX/XXXX, I sent in total of {$5000.00} to the checking account that had an overdraft/outstanding balance, with an aim to settle all balances. 4. On XX/XX/XXXX, Citizen Bank sent me a check with an amount of {$4700.00} ( original {$5000.00}, net of overdraft ). I have no clue why I received such check. 5. When I logged into the website dashboard, all account balances are shown zero which made me think that all my balances with Citizens are now cleared. 6. However, my credit report continued to be report with late payment thereafter and my credit score continued to drop. 7. Finally, after speaking to more than 5 different representatives. There was another outstanding balance from " Overdraft Line of Credit ''. Apparently, the bank did not take the cash from me back in XXXX to settle that balance - before sending me a check for the remaining balance in the account ; in turn, the bank continues to report that as a late payment items. The bank took {$220.00} from my {$5000.00} cash balance to settle a bank overdraft balance. 8. The bank failure to use the cash from the customer ( XX/XX/2022 ) to fully settle all the outstanding balances related to the checking account is not the customer fault. The bank staff did not review all the outstanding balance of the customer before closing out the checking account and remitting the check of to the customer account. 9. With the aim and action to settle the full outstanding balance ( sending in {$5000.00} ) to the bank from the customer, the bank should not report the customer 's outstanding balance as " late payment '' after they remitted the check to the customer. It is bank 's own error for not applying the cash to settle up the outstanding balance. 10. The bank should correct the customer credit report due to it is bank operational error. Bank staff did not review the account correctly before remitting the remaining balance. 11. Please see all the check copies. 1 ) Wires sent to Citizen bank with an aim to settle all outstanding balances ; 2 ) Check received from Citizen Bank.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A