Date Received: 2022-10-06
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: on XX/XX/2022 I have come to visit a bank facility of XXXX XXXX XXXX XXXX, PA XXXX to close all my accounts personal and corporate. Talking to the person at the desk, giving them my ID and transferring all my money from my business account to personal account. I have withdrawn all funds and I have been informed that all my accounts are closed. I am in the XXXX and do not plan to go back to the XXXX the person assured me that the accounts were closed and I can not worry about them. Unfortunately, in a few days the transaction for the company XXXX card has been processed and fees are still being charged. FOR CLOSED ACCOUNT!!! ' after closing the account, no transactions have any right to exist. I'm not gon na pay for anything. This is usually a scam. I started getting payment requests after my account was closed!!!
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: reference Citizens One Loan paid off XX/XX/XXXX. For and in the name of XXXX XXXX XXXX, elderly parents sent over {$10000.00} to citizens One and not Citizens insurance XXXX and XXXX. I called citizens one, got XXXX cat numbers, was told if loan was paid off they would send a check back, this DID Not happen. They took advantage and was told they were sent money back witting 3 weeks of receiving if the loan was paid off, again they kept the money. I have no idea how many times the happened since XX/XX/XXXX. 3 times for sure.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear CFPB : I assisted my client in obtaining the attached modification. He does not speak XXXX. He signed the modification and it was received by the lender. He made payments on time pursuant to the agreement. The lender allegedly decided they needed to send a notary to his home to obtain a notarize copy. I am licensed notary. They allege they contacted the client by cell phone and left XXXX messages. My client always asked for XXXX representative when calling on his loan. They never called or emailed my office. They also never sent me a letter regarding the need for a notary. The package I received did not contain a notary. They are now trying to withdraw the modiication offer although the client is ontime with payments and has not defaulted. The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex ( including gender, gender identity, sexual orientation, and sexual harassment ), familial status, national origin or disability at any stage of the mortgage process, including : Approvals and denials. The lenders actions in this situation are in violation of the Fair Housing Act.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed my HELOC @ the branch office as per their closing instructions. There appeared to be discrepancies in respect of what I was instructed to pay off the HELOC and what was transpired. I contacted the loan office on XXXX XXXX, 2022 XXXX XXXX and spoke to a rep named XXXX XXXX I do have recording of the call @ my end with her permission ) and I was told that {$190.00} will be credited to my XXXX but apparently that didn't happen. I contacted Citizens bank, the servicer of my loan and encountered rude and inappropriate behavior and was disconnected as well. It's to mention that those calls were also recorded @ my end. My dogged pursuit didn't resolve the issue and instead received inappropriate and rude communications from the loan servicer employees. XXXX XXXX from Citizens bank left a message for me to call back @ XXXX on the XXXX instant. I tried numerous times from various phones during normal business hours as stipulated in their RI headquarter but was unsuccessful to reach anyone. Whenever I tried the call it didn't ring and after a while it was disconnected. This problem was reported to Citizens Bank in my previous complaint with CFPB and previously they just ignored it all together. At this point, I want the servicer of the loan to pay {$190.00} that was promised by an authorized bank employee. It's to mention recorded calls can't be uploaded in the CFPB site.
Company Response:
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Citizens bank check # XXXX dated XX/XX/XXXX for {$9.00} was stolen out of mail and forged for {$900.00} and cashed at XXXXXXXX XXXX Citizens then processed and paid the check to XXXX. I discovered this while reconciling my bank account on XX/XX/XXXX & immediately called Citizens and reported it, claim # XXXX. We also filed a Police report, case # XXXX. On XX/XX/XXXX I received letter from Citizens stating " we have determined that the check in question does not appear to have been altered '' along with a form to Declare Unauthorized Endorsement-Altered. On XX/XX/XXXX I filled form out and sent in all backup bank requested to prove the alteration of check, now it has a different claim # XXXX per the XX/XX/XXXX letter. Then called Citizens XX/XX/XXXX, XX/XX/XXXX + XX/XX/XXXX. On XX/XX/XXXX my local branch informed me that the home office didn't receive my documents. So my local branch faxed all of my documents. Called XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. On XX/XX/XXXX XXXX XXXX, chairman at Citizens called me and informed me that we would not be reimbursed for the forged check until Citizens is reimbursed from XXXX, the original bank that accepted check. I asked her if anyone from Citizens has been talking to XXXX about issue and all she said was we sent the inquiry. THAT's IT! We did nothing wrong here yet we are being penalized. The forged check is an obvious forgery per everyone that looks at it, Police and Local Bank XXXX. I have not heard a word from them since XX/XX/XXXX. We just want to be reimbursed the {$900.00} for the forged check that Citizens allowed to be processed without questioning the look of the check. Please help.
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Between XXXX XXXX, XXXX several attempts have been made to fraudulently access my banking information with several financial institutions. The latest was a hard inquiry through Citizens bank.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card was stolen XX/XX/XXXX, and I didnt know about it until it was I seen the charges. I called one of the locations the card was used at and I reported it to my bank and they are denying my claim.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance With the fair credit reporting Act this creditor has violated my rights under 15 USC 1681. Section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 It also states that a consumer Reporting agency Can not furnish an Account without my written instructions under 15 USCs 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.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with citizens bank, back in XXXX of 2020 had a call from citizens saying that COVID is affecting many businesses if there is anything they could do to help. I said if they could do anything let me know. Nothing happened, no calls, until a couple months later. I have 1 mortgage # XXXX it's a rental property and I have an account just for the purpose of I collect the rent and it's on auto withdrawal for the last 12 years. I don't check it often and after 2 months I realized they stopped taking the money out so I assumed I was given a forebearance. Next thing I know my credit score dropped, I received a letter from citizens saying I can't use my lines of credit for my business because of my credit rating. So I made an appointment with my bank XXXX at XXXX XXXX XXXX XXXX Pa XXXX. She contacted citizens mortgage and he said he would straighten it out. And he would set me up with a loan modification. I waited for paperwork after 2 months went to bank and XXXX recommended I make payments so I call in every month since and make a payment ( I have documents to prove this. So I get a call from citizens notary they have paperwork for me to sign about loan modification, it has my father 's name on it and he's been dead for several years, they have gotten several death certificates and they made me payoff a XXXX line of credit he had. So paperwork couldn't be signed. Months went called about signing paperwork brought it to me with my father on it. So it couldn't be signed again. Then I get a letter from a lawyer saying they are going to foreclosure the property. I called in frantic and they said it was because I didn't sign the paperwork in a 12 month period. But it was because the paperwork was wrong. So they said they would send me a new application I never received it. So I continued to make payments now they stopped accepting my payment. Which means they're going to try to take this property. They stopped taking the payment, they also never got the paperwork correct, they killed my credit, they did give me a forebearance for 18 months so I don't know why any of this is happening Doesn't a forebearance mean the payment gets put on the end of the mortgage, citizens says when is over you all payments immediately. I never received paperwork for forebearance or was ever told how it works The loan modification they are offering me is at a slightly lower interest rate, but makes it a 30 year mortgage when I've already payed 12 years. I've tried to contact them and get nowhere. I tried to get another mortgage and pay them off but I can't because they are sending to the credit agency that I haven't made a payment in over a year which isn't true I have my bank statements to prove it. Please help me if you can, I have called many people looking for help. And I was referred to you. My email is XXXX or business # XXXX XXXX XXXX or cell XXXX XXXX XXXX
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citizens promoted an offer that is not standing behind. The offer concerns opening a new checking account and receiving a {$300.00} bonus for doing so. I have confirmed the rules through the branch manager, XXXX, on XXXX XXXX in XXXX XXXX several times about this online offer to open a new checking account with Citizens and receive {$300.00}. The last time I spoke with XXXX on XX/XX/XXXX, he directed me to the area that handles this promotion. The last conversation I had was on XX/XX/XXXX with the promotional representative and she confirmed that a {$300.00} deposit would be made on XX/XX/XXXX. On XX/XX/XXXX, I spoke with the branch on XXXX who told me my {$500.00} deposit in the first sixty days of when the account was opened needed to be made in one direct deposit of {$500.00} not two on the same day that totaled over the {$500.00} minimum required which I have done. That was not mentioned to me prior to XX/XX/XXXX when I was told the amount would be in my checking account by anyone at Citizens and I spoke to at least four different individuals at different times throughout the months since opening the account. I made two direct deposits on XX/XX/XXXX, XXXX for {$93.00} and the other for {$420.00}. Prior to that on XX/XX/XXXX I made a deposit of {$100.00}. I have kept all commitments per the offer.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A