CITIZENS FINANCIAL GROUP, INC.


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"Products" offered by CITIZENS FINANCIAL GROUP, INC. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - USDA mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Payday loan -
Payday loan, title loan, or personal loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift or merchant card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 7933898

Date Received: 2023-12-01

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: On Monday XX/XX/, I discovered that someone robbed my debit card information and stole {$470.00} leaving my checking account in the negatives. It occurred in six separate charges from the XXXX XXXX XXXX ( XXXX XXXX ) app. Whenever I order from them, my order always remains under {$10.00} so there is no way that it could've been me. I immediately called my bank, Citizens, and notified them of the fraudulent charges. The bank opened up an investigation and confirmed that the money would be returned once the investigation was completed. I'm writing this on the afternoon of XX/XX/, approximately 9 business days later and I still don't have my money back or an official update from the bank. I called the bank today for an update, and the employee confirmed that the investigation was completed and that they denied my request -- essentially saying that they won't be returning the money that was stolen. I had to open another claim today and now it seems like we're doing this from the beginning all over again. I feel like I'm being penalized for having my money stolen and it feels even heavier now that we're officially in the holiday season when money is tight. In addition to NOT returning my money, the bank also denied to provide me with a notarized/official letter which I need to file an official police report ( I was turned away at the precinct ). I went to the Citizens bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX where the manager made me wait about 30 minutes to tell me that they won't be able to help me with that. They made me feel bad for even asking for a letter when we all know very well that other banks would've provided the letter without a hassle. I feel particularly vulnerable and helpless right now. Every where I've gone I've been met with disappointing " no '' after " no. '' I would appreciate any assistance with this. It doesn't feel right that I have to suffer the consequences of all that money being stolen. Thank you and XXXX XXXX. XXXX

Company Response:

State: NY

Zip: 10034

Submitted Via: Web

Date Sent: 2023-12-01

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7931089

Date Received: 2023-11-30

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: I paid XXXX $ to by a kitten online and the person was fraud and he did send me kitten after hot the money I opened the dispute with my bank citizens and they just closed the dispute without give me credit on fraud transaction

Company Response:

State: MA

Zip: 01109

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7929468

Date Received: 2023-11-30

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: When I made a complaint ( id : XXXX ) on CFPB regarding unauthorized hard inquiry to XXXX. In response XXXX said, " CITIZENS BANK INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. '' -- - I cooperated with Citizens Bank. Communication started from XX/XX/2023 till XX/XX/2023. On XX/XX/2023 | talking to ( XXXX ) XXXX | at XXXXXXXX XXXX | for XXXX XXXX, the representative on phone call upon communicating with Citizens Bank backend team denies to remove it. He says I can't record his denial on phone, he will not email/mail in written the reason behind their denial to remove the unauthorized hard inquiry. When I asked what is the reason all he said was, " I am sorry I don't know. '' I have already provided information and requested documents to XXXX on Thu, XX/XX/XXXX, XXXX from XXXX. What else can I do to get this unauthorized thing removed from my credit report? -- - Previous CFPB Complaint ID : XXXX XXXX Dispute ID : XXXX Citizens Bank Case Number : XXXX, XXXX

Company Response:

State: IL

Zip: 60193

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7929270

Date Received: 2023-11-30

Issue: Managing an account

Subissue: Cashing a check

Consumer Complaint: My husband has visited the Citizens Bank located at XXXX XXXX XXXX XXXX NY XXXX and each time he visit hes meet with discrimination and differential treatment because of his skin color! My husband has his own accounts with Citizens Bank and he has been banking with them for over 18 years. I sent my husband to cash a check that I wrote to him from my account to pay the contractors working on our home and each and every time hes visited the branch hes told he cant cash the check without coming into the branch. Whenever I go to the branch to cash a check through drive thru I have no issues. I spoke to the manager XXXX and banker XXXX XXXX today and they both told me the tellers are allowed to pick and choose what checks they will cash and what amounts as long as its under XXXX. The Manager XXXX said it depends on the tellers mood. I explain that Ive cashed checks for same dollar amount through drive thru and never had issues. When my husband visits other citizens banks hes not meet with any nonsense or discrimination. The checks I write are personal from checking and has the same last name on the checks not to mentioned mt husband is a client he has his own accounts with Citizens Bank. Ive witness other people cash checks for similar amounts Ive written and they never seem to have a problem in drive thru at the XXXX location. The difference between them and my husband is skin color! That is clear! You cant say mood of tellers because there is no interaction face to face. Their clearly judging the same check written by me and comparing it to the driver license in front of them. How does that constitute as a mood. They could check my account and see that Ive written checks before to the person cashing which would also show a pattern. Therefore using fraud or suspicion is a lie.

Company Response:

State: NY

Zip: 14086

Submitted Via: Web

Date Sent: 2023-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7927992

Date Received: 2023-11-30

Issue: Trouble during payment process

Subissue: Paying off the loan

Consumer Complaint: After the death of my mother in XX/XX/XXXX, I learned of a home equity line of credit loan that she obtained in XX/XX/XXXX in the amount of {$100000.00} after receiving a statement from the bank showing a balance of {$52.00}, XXXX. I immediately went to the bank to inquire as to how she was able to obtain this loan since she did not own the home, it was transferred to me and my siblings in XXXX of XXXX. My mother continued to live in the home as she had a life estate. I was told by the bank representative at that time that he was unable to provide any information regarding the loan or the contract because the loan was in my mother 's name. He did say that as owners of the home, my siblings and I would have had to approve the loan and sign the contract in addition to her signature. He recommended I contact the loan servicing center to obtain additional information. After speaking with a customer service representative I was informed that the only information they could provide was to say that another loan she obtained in XX/XX/XXXX for {$53.00}, XXXX was paid off with this {$100000.00} loan. My siblings and I had no knowledge of either of these loans nor did we sign off on them allowing her to obtain them. We are now expected to pay off the balance of {$52000.00} but believe the bank was negligent in providing this loan without due diligence in obtaining ownership verification and that we should not be held responsible as a result.

Company Response:

State: NY

Zip: 14086

Submitted Via: Web

Date Sent: 2023-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7925527

Date Received: 2023-11-29

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: I had identity theft issues after my purse was stolen with my phone and wallet. Charges were made to a company names XXXX I reported it to Citizens bank and contacted the company who said they closed the account that was opened in my name along with the card that was opened in my name. The bank reversed the provisional credit on Friday of {$1800.00} without even alerting me or asking for additional information. They closed the claim and refuse to look into it further. I am a single mom - and now have an account with negative XXXX. It's XXXX- the bank refuses to let me talk to the back office - and refuses to give me anyone else that may be able to help.

Company Response:

State: NJ

Zip: 077XX

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7924714

Date Received: 2023-11-29

Issue: Getting a credit card

Subissue: Sent card you never applied for

Consumer Complaint: I was sent a mail letter to my house address in XX/XX/XXXX of a new credit Card that was opened. I have never applied for a credit card for this company ( citizens banking ) nor have I ever opened any accounts at all with this company. Ive also received suspicious email on XX/XX/XXXX about a phone number being changed on the account. I reported the problem to the company on XX/XX/XXXX and they verified it was reported fraud. Theyve notice that there was a savings account opened along with a credit card that has been recently applied for. I need this account to be completely removed and reported.

Company Response:

State: PA

Zip: 17815

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7923990

Date Received: 2023-11-29

Issue: Managing the loan or lease

Subissue: Problem with fees charged

Consumer Complaint: I am disappointed in how Citizens One manage my account from year XXXX to year XXXX. I am disputing over the way how my payments been going more to fees ( and interest ) than principal ; when my interest rate is 6.730 %. I noticed, if I make payments directly from my Citizens One account on their website, it will take 4 days to go through my checking account. That's why I stop paying it through Citizens One website. I've explain to Citizens One 's representatives over the phone what was going on in my life. If I was recorded, there should be no problem to access what I was saying to Citizens One 's representatives over the phone. Now, I pay from my bank that takes it out same day, send it out next day to my account at Citizen One.

Company Response:

State: SC

Zip: 29410

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7922722

Date Received: 2023-11-29

Issue: Fraud or scam

Subissue:

Consumer Complaint: XXXX I was scammed out of I thought I was moving to XXXX and I got there and someone lived there. It started in XXXX. It will not let me send you the FAKE lease

Company Response:

State: PA

Zip: 151XX

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7922338

Date Received: 2023-11-28

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Its been almost three months since you restricted my access to my account. I have been repeatedly requesting for information and was not provided with any. You keep telling me to go to my originating bank for an ACH reversal or hold harmless letter and I have told everyone that my originating bank cant do it. THIS IS MY MONEY. IT IS ILLEGAL TO NOT PROVIDE ANY INFORMATION ON HOW TO UNRESTRICT MY ACCOUNT.

Company Response:

State: NY

Zip: 113XX

Submitted Via: Web

Date Sent: 2023-11-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.