Date Received: 2022-10-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a HELOC for my home with Citizens Bank. Citizens Bank first advised me that the appraiser required a mold inspection report to be done as I had mold or mildew in one bathroom, and that I had to pay for it. At the same time as advising me of this mold inspection requirement, two Citizens staff advised me that requiring such an inspection is highly unusual, as most bathrooms with a shower have mold and mildew, so it was surprising the appraiser would stipulate this. Upon hearing this information, I contacted the appraiser at XXXX XXXX XXXX about this mold inspection requirement. The appraiser told me it was a " lie '', she is not a mold expert and made no such representations in her report, and she does not use any of the " jargon '' indicated on the appraisal report sent to me from Citizens. Further, I simply cleaned the mildew off my bathroom and sent the appraiser and Citizens Bank 's Loan Officer pictures showing it was all gone. The appraiser said she would contact Citizens and the Citizens Loan Officer told me she would contact her appraisal department. Citizens then changed their statement and said they required the appraiser to modify their report and indicate in that report that a mold inspection was necessary. At that time Citizens stated it is in their guidelines to require a mold inspection when mold is visible. Thereby Citizens reversed its earlier statements about how strange it was for their to be a mold inspection requirement and that that requirement came from the appraiser. It seems inappropriate for Citizens to dictate modifications to appraisals as well. Citizens has certainly been telling me inconsistent facts. I believe Citizens is engaging in unfair lending practices. I can not know whether the cause is my ethnicity or the diverse XXXX community in which I live, but they engage in arbitrary and inappropriate business practices. As the cost for a mold inspection report in XXXX is {$370.00} and up, such additional expense would effectively make the HELOC cost prohibitive and unattainable.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via XXXX the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... but I still kept THAT old number list on my phone. What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. This was XXXX hours after the transaction and the money wasn't taken out of my account by then ... I called XXXX right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. the next day XX/XX/XXXX I contacted my XXXX they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from XXXX with that number. I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed unauthorized transactions after I lost my card representatives are rude on the phone or dismissive when I ask for a provisional credit. I want this handled efficiently please.
Company Response:
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/2022 XXXX {$1000.00} Discovered Fraud with XXXX on my account. I noticed it when my account went in the negative. Initially I thought maybe my husband did it but when I verified it he never had a card with that number on our XXXX account. Tried going through the branch 3x. And had my lawyer reach out because I lost over {$1000.00} from fraud. The bank credited me {$42.00} as a form of justification XXXX cant accept it. I had my lawyer send a letter and the bank still said the same thing.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed on cash or trade, I was trying to purchase 2 concert tickets from another member and after I send {$260.00} to them via XXXX they blocked me and never sent the tickets. XXXX XXXX Citizens bank ( my bank ) refuse to help even though I can prove I was scammed and all that is required is for them to reverse the transfer.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Tearful despondent ..upset. I am a victim of bank fraud. Someone washed my check which I was paying my utility bill with ..applying a persons name payable to and a large sum of money of {$8500.00} was withdrawn from my checking account.. and this happens on the day that I buried my list surviving relative my uncle.. My bank is Citizens Bank. And the check was cashed by XXXX XXXX XXXX XXXX have been fighting this ..since XX/XX/XXXX I am beside myself I am recently a widow a senior citizen turning XXXX. I need this money to live on I have bills health insurance bills ..I have a mortgage I am beside myself. I called the bank every day and of course they tell me that its still In the escalation department I am so beside myself. I need your help to get my money back this money is rightfully mine. The bank never notified me of this check being cashed. XXXX XXXX. My phone number is XXXX.
Company Response:
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Urgent Complaint XXXX XXXX XXXX To : XXXX Wed XX/XX/2022 XXXX XXXX Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX Citizens 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. The disputed amount is {$4500.00} and the bank 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. 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. 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: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I sent a wire transfer from my XXXX checking account ( account number XXXX ) to a roofing contractor ( XXXX XXXX ) in the amount of {$5200.00} to his Cititzen 's bank account that I had sent transfers to in the past ( the XXXX transaction ID was XXXX ). The account number for his checking account at Citizens Bank was XXXX and his routing number was XXXX. When I sent him the confirmation information he informed me that the account had been closed. As a result, I sent a wire recall request to My Bank ( XXXX ). The next day, XX/XX/XXXX, I called Citizens to request they return the funds. At Citizens ' customer service representative 's request, I added my contractor to the phone call and he authenticated ( SSN and security questions ) with the customer service representative and informed them that he had closed the account- this was confirmed on the call. My wire recall request details were finalized on XX/XX/XXXX and, over the next 3 weeks, XXXX sent several requests to Cititzens to return the funds since they had been sent to a closed account ( which, per above, had been verified with my XXXX on XX/XX/XXXX ). On XX/XX/XXXX, XXXX ( my bank ) informed me that Citizens would not send back the wire since they had " RECEIVED A POSITIVE RESPONSE FROM OUR CUSTOMER PLEASE HAVE REMITTER [ me ] CONTACT BENEFICIARY [ my roofing contractor XXXX XXXX ] DIRECTLY TO RESOLVE THIS REQUEST ''. However, they are telling my bank that I have to do something over again which has already been done. Just to verify that my contractor did not take the funds and lie to me, I made an attempt to deposit {$2.00} into my contractor 's checking account at a Citizens branch on XX/XX/XXXX. The teller at the Citizens branch was not able to complete it since the account had been closed- which they confirmed for me. Based on the information above, Citizens bank is unjustly keeping the funds that I have wired to a closed account from me and failing to return it to my bank ( XXXX ) and me.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX of XXXX I received an online offer from CITIZENS bank to have {$300.00} deposited to my account if I make a direct deposit of {$500.00} or more with in 60 days. The XXXX was completed on XX/XX/XXXX. I have still not received the promised funds. When calling them they are telling me they do not see this offer at all. This is false, the only reason the account was opened was because of the promotion offered. Citizens bank is not honoring their promotion.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, a checking account with XXXX XXXX XXXX was fraudently opened in my name. I called to report the fraud, and was given case # XXXX. I followed up on XX/XX/XXXX after receiving a letter dated XX/XX/XXXX stating that the account was overdrawn. I was told that no action had been taken on my original case, and was given a new case # XXXX. Since then, I have received 5 additional overdrawn account notices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an additional letter dated XX/XX/XXXX stating that the account was closed. I called to follow-up again after receiving the letter dated XX/XX/XXXX and was told that the bank was unable to close the account because there were fees associated with it. Today ( XX/XX/XXXX ) I called again after receiving the letter dated XX/XX/XXXX. I was told by the representative from the fraud department that " The bank has decided to stop communicating with you at this time. '' As of right now, as far as I am aware, there is still an open account in my name that I did not open, that a negative balance, and the bank will not work with me to resolve the issue.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A