Date Received: 2022-08-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with Citizens after seeing and using a {$300.00} sign up promotion requiring an eligible direct deposit. I opened the account in XXXX, and satisfied the requirement in XXXX I have not received the promotion to date. All my attempts to contact customer service to resolve have failed, including online chat, SMS chat, and multiple calls to customer service that always result in hold times nearly XXXX minutes and either not getting in touch with someone, or being put back on hold.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). ////CITIZENS ONE AUTO FINANCE is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// CITIZENS ONE AUTO FINANCE violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// CITIZENS ONE AUTO FINANCE violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// CITIZENS ONE AUTO FINANCE reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and CITIZENS ONE AUTO FINANCE ./// CITIZENS ONE AUTO FINANCE also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// CITIZENS ONE AUTO FINANCE also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to CITIZENS ONE AUTO FINANCE non-compliance and violation of the FCRA /////I DEMAND the complete removal of the CITIZENS ONE AUTO FINANCE account including and not limited to any NEGATIVE REMARKS furnished by CITIZENS ONE AUTO FINANCE/// NOTICE IS GIVEN : In the event CITIZENS ONE AUTO FINANCE failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Citizens Bank withdrew {$650.00} from my checking account on XX/XX/2022 for a Federal Loan I do not have. The account sat at $ XXXX due to the bank withdrawing this money. Citizens Bank just added a {$35.00} late fee, now I'm at - {$490.00} in my bank account. Citizens has filed a claim but says it takes weeks to process and resolve. I will lose my entire paycheck this week to cover the insufficient funds - thanks to citizens.
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: As you can see from the attached copy # XXXX, when I draw from my Debit card {$900.00} on XX/XX/XXXX because of the bank closure in my area ( XXXX, NY ), I got a piece of receipt which says, the remaining available balance was {$57.00}, after a transaction I made {$100.00}, {$28.00}, and {$1.00} on the same date. To justify my word, just look at the attached copy # XXXX above the highlighted date balance of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX even I didn't do any transaction at this date. Since then the problem started. Just by assuming this balance, I had a transaction {$52.00} on XX/XX/XXXX to close my account by leaving XXXX for their statement charge. I assume that they closed their door and no ATM machine around, so closed by drawing my money. After all this date till to date XX/XX/XXXX, they charge my account XXXX for which I don't have any idea in the fancy name of service charge, overdraft fee, monthly maintenance fee.
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Latest communication : XXXX ( alleged manager ) XX/XX/XXXX Confirmation # XXXX Citizens Bank XXXX XXXX XXXX, XXXX, RI XXXX I have been paying on an auto loan since XX/XX/XXXX. Payment is due the XXXX of the month. I receive a pension on the XXXX and pay via the bank website because mailing takes too long. Because the XXXX does not fall on the same day I do not use autopay. My payments are within the 10-day grace period. The bank will not adjust the due date past the XXXX. Suddenly this past XX/XX/XXXX my account could not be found and the XXXX payment " was removed from your account '' according to a letter from XXXX XXXX, senior v. p. president, head of Loan and Specialty Operations. ( one of two such letters is attached ). On XX/XX/XXXX I made a live call to customer support to make good on the XXXX payment. One digit on my checking account of record was missing. Why? This was allegedly fixed. The account was allegedly on target. A second no account found and removed payment letter arrived. Another live call XX/XX/XXXX logged the usual end of month logged the XXXX payment. The account number was correct. The XX/XX/XXXX payment was reversed and a fee added. Then on XX/XX/XXXX an automated payment came out of my bank account. I have no automatic payment set up. XXXX, the manager referenced above told me on a recorded line that obviously my payments have been being made. She apologized. She said she would request the fee structure ( now setr at {$190.00}!! ) be erased but she didn't have the authority. She said all I owe now is the regular XXXX payment plus one other. She said she removed the automatic payment. I have heard nothing since. I have been working on my credit rating for more than two years following an extreme life threatening XXXX XXXX and financial reversals. I am XXXX XXXX XXXX. My credit rating took a XXXX point hit because of Citizens mysterious inability to keep an account number stable. Despite acceptance to credit offers last year I was quickly refused a XXXX loan to pay off this nearly 4 year-old car loan. Totally unacceptable and unforgiveable.
Company Response:
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : CITIZENS BANK ACCOUNT NUMBER ENDING IN XXXX Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). You will not list this debt as a settled account. Your company will accept this payment to satisfy the debt in full. Your company will not attempt to sell or transfer this debt to another creditor. You will make no mention of this agreement to outside third parties. If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Citizens Bank allowed someone to open an account under my information citizens sent me a letter stating my account was over drawn. I have NEVER had an account with them. I went into the bank twice and several phone calls. The bank said it went to the fraud department my case number is XXXX. Yesterday I received a check in the amount of XXXX I called because I didnt know why I got this check. They told me it was for a loan! I NEVER applied for a loan. Citizens asked me for my account number I told them I do not have an account. They asked me for the number on the check. Here is that number XXXX I was them sent to recover but since I did not have an account number she could not help me
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On Friday, XX/XX/XXXX, I went in to a branch of Citizens Bank to start a checking and savings account. After setting up my accounts, the banker I was working with tried to get me to sign up for one of their credit cards, saying that I was pre-approved ( not pre-qualified ). I declined, citing the fact that I had just gotten one with another bank a few weeks ago, so even though there was an attractive promo going on, I didn't want to take another hit to my credit score at the moment. He immediately responded something along the lines of " Oh, well we don't check your credit actually. That's one of the cool things about our bank. '' and led me to believe that the credit concern I had wouldn't be an issue. I had thought that credit cards will always check a person 's credit, but figured maybe that's just what normally happens and isn't always a guarantee, possibly because I was already pre-approved. Regardless, I knew that bankers aren't allowed to mislead their customers, so since I had voiced my credit concerns and he had implied that I wouldn't need to worry, I figured I might as well get the card. Several hours later, I got a notification on my phone that my score had dipped XXXX points. I can't see from my credit-checking app ( I use XXXXXXXX XXXX XXXX what the specific reason for that point loss is, but I think it's pretty safe to say that the two are connected. I'm not sure if the banker flat out lied and a check was performed after all, or if he " technically '' didn't lie and there was no check but I lost points through some other measure. Regardless I still feel like I was taken advantage of, because while I try to educate myself on the credit system as best I can, he's the financial professional and I'm not, so it's upsetting for me to say I don't want their credit card because I don't want to lose points, and for him to respond in the deceptive way he did to try and get me to sign up.
Company Response:
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX we received a letter from XXXX XXXX, a debt collector. They said I owe {$1700.00} to Citizens Bank for a XXXX account. My husband and I thought it was spam because we never had an account with Citizens Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. I checked XXXX XXXX and I learned that a Citizens Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly XXXX points. My credit score is usually over XXXX. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. On XX/XX/XXXX I reached out to Citizens Bank customer service and found out that it was a Citizens One loan and not a Citizens Bank credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. On XX/XX/XXXX we also reached out to XXXX XXXX to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. Citizens Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. On XX/XX/XXXX we received mail from Citizens Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.
Company Response:
State: PA
Zip: 18976
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A