Date Received: 2022-07-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: The loan is advertised as 12 months interest fee with a 24 month term. Before making the purchase and agreeing to the terms presented online, I thoroughly read the information. No where did it explain the 12 month interest free period and how the finance charges would be calculated. I called and spoke to 2 company representatives at Citizen 's One on XX/XX/XXXX and again on XX/XX/XXXX to ask if there would be an early payoff penalty if I paid the loan within the 12 months interest free period. They said there wouldn't be but also could not point me to anywhere in the terms where the promotional period was explained in writing. Trusting that their information was correct, since I heard the same from XXXX different people, I made the purchase on XX/XX/XXXX. I paid the loan in full XX/XX/XXXX. After the payoff, I noticed they sent me another statement with a balance. I called and talked to multiple people ( XXXX and XXXX ). They opened ticket XXXX. I never heard back from the company, all the while more fees were accruing. On XX/XX/XXXX, I called back and spoke to XXXX. He said I had to pay the amount owed and the interest was correct. The company never disclosed this and the website where I bought the treadmill advertises as 12 months interest free. Citizens One is not properly disclosing the interest calculation and I feel cheated and lied to about the offer. I would have certainly met any deadline had they disclosed properly in writing as I believe is required or at least explained it correctly when I spoke to them. Their information : Citizens Bank XXXX XXXX XXXX XXXX XXXX, RI XXXX
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not apply for credit directly with Citizens One. This company is a third party company financial institut, who finance for XXXX. XXXX provided additional fraudulent charges on a invoice to Citizens One. I contacted citizens one on several occasions to advise XXXX charged me additional charges and my account needs to be updated. I stayed in contact with Citizens one during the process as my payment card was still was on file to make payments, even after I was told the account would be placed on hold. My bank also advised automatic payments was previously approved from Citizens one, and which I never received notice a payment had failed. Citizens One did not have my contact number and failed to notify me of any issues. I had a conference call with citizens One and XXXX explained to the representative with citizens one that XXXX made a mistake and for the mistake they were going to credit my account for {$250.00} in which Citizens One should correct any inaccurate or misinformation at that time. Citizens One has reported inaccurate information to the credit bureau that my account was 30 days past due, when it should have not been reported as past due, because of the lack of communication between those 2 parties and never notifying me of a failed payment after I was also told the account would be on hold until XXXX contact them. This inaccurate information needs to be removed from my account immediately. I have disputed this delinquent account Therefore, until it is validated, your information concerning this account is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, this account is not delinquent and I demand that this information be removed from my credit report immediately.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not apply for credit directly with Citizens One. This company is a third party company financial institut, who finance for XXXX. XXXX provided additional fraudulent charges on a invoice to Citizens One. I contacted citizens one on several occasions to advise XXXX charged me additional charges and my account needs to be updated. I stayed in contact with Citizens one during the process as my payment card was still was on file to make payments, even after I was told the account would be placed on hold. My bank also advised automatic payments was previously approved from Citizens one, and which I never received notice a payment had failed. Citizens One did not have my contact number and failed to notify me of any issues. I had a conference call with citizens One and XXXX explained to the representative with citizens one that XXXX made a mistake and for the mistake they were going to credit my account for {$250.00} in which Citizens One should correct any inaccurate or misinformation at that time. Citizens One has reported inaccurate information to the credit bureau that my account was 30 days past due, when it should have not been reported as past due, because of the lack of communication between those 2 parties and never notifying me of a failed payment after I was also told the account would be on hold until XXXX contact them. This inaccurate information needs to be removed from my account immediately. I have disputed this delinquent account Therefore, until it is validated, your information concerning this account is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, this account is not delinquent and I demand that this information be removed from my credit report immediately.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX a 3rd party reporting agency who is not allowed to furnish any report without my consent ( 15 USC 1681B ) refuses to correct information on my consumer report with regards to an account citizens one auto finance. the account is fraud and i am in dispute with citizens one auto finance so until the matter is completed, XXXX should not report the account. the account was closed/written/charged off in XXXX of XXXX and XXXX has another charge off date as of XX/XX/XXXX, this is largely inaccurate and affecting my score. according to irs publication 4681 a charge off is claimed as income on my tax return so how is it reported as a debt? another inaccuracy! i have no contract with citizens one auto finance making me obligated to perform any duties to them, i have not received the original contract from citizens or XXXX. XXXX has refused to show me how they validated this report - what process was used, employee who handled the process, information that was gathered on the account for the report. 12 USC 12 & 83- states bank can not loan money so i'm confused on what citizens one auto is speaking of? 15 USC 41 & 1692g- the debt is now officially in dispute, by law all activities must cease until the matter is resolved due to the fraud of this matter i am able to right to recession 12cfr & 226.15 u.c.c. 1-201 & 4 -unathorized signature made without actual, implied, or apparent authority i have not been able to cross examine citizens one auto bank about the matter, i have spoken with representatives of citizens one auto bank but since the representative didn't sign the contract i need to speak directly to citizens one auto bank since that is supposedly has first hand knowledge of the situation, first hand knowledge refers to someone who was the witness and or saw or was in the room with me signing that contract, haven't spoken to anyone. citizens one auto finance seems to be furninshing false and deceptive forms to make it look like i owe a debt 15 USC 169J 15 USC 1692b ( 2 ) -stating a consumer owes a debt when if fact eh consumer does not
Company Response:
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: citizens bank auto loan is still showing on my credit report, this account was settled and an old account. It is XXXX XXXX XXXX, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Today XX/XX/22 I closed my Citizens Bank credit card because of the prior complaint I made about sneaky interest charges. The woman closed my account and did not apply the {$830.00} in rewards I had accumulated! That is wrong and I will NOT stand for it. The nerve of the Office of the Chair to do this without saying a word! Another way CITIZENS BANK KNOWINGLY, KNOWINGLY, TAKES ADVANTAGE OF THEIR CUSTOMERS.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently took over as XXXX for my Mothers accounts .. My mother had XXXX for last few years.. Im looking over statements I noticed 2 very large balance transfers These occurred during my mothers XXXX periods.. I informed Citizens Bank that my mom would have not done these transactions & that I believed then to be fraud.. I put in a fraud dispute Citizens Bank told me that I HAD to continue making minimum payments and also charged my Moms card a LATE FEE and RESTRICTED use of the card I told them I only wanted the matter investigated And that I didnt want the cards restricted.. They told me I HAD to make MINIMUM payments in order to have card operable And if I didnt make MINIMUM payments, my moms credit report/score could be affected I told them this sounded totally WRONG, as I dont believe my Mom should pay 1 dime towards fraud
Company Response:
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I went online probably XXXX XXXX 2022 to check my Citizens Bank credit card charges because of potential fraud. Apparently looking online triggered the end of paper statements and the beginning of e-statements. Perhaps there was some fine print, but I certainly NEVER saw it or consented to it. I am a very busy person and didn't notice that I hadn't received bills. I have been a long term customer with an excellent payment history and a stellar credit score ( over XXXX ). You would think Citizens Bank would notice something was wrong and notify me. But no. Instead, they pile on {$69.00} in late fees and {$410.00} in interest charges. I only find out when my card is declined at a store! And when I ask, they refuse to reverse the interest charges. Switching people over to e-statements without permission or in a sneaky way that the customer can not see must be a HUGE money maker for Citizens. It is wrong and they should be fined and shut down.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had used a credit card from Citizens Bank in XXXX XXXX NY on XX/XX/2022 for a gravestone for my husband who passed away XX/XX/2022 to XXXX XXXX for an initial payment of $ XXXXUpon checking the balance of my checking account for more than a week, I found out that {$1000.00} were twice deducted on XXXX called the customer service of Citizens Credit Cards on XX/XX/2022 and spoke with XXXX via phone and told me that the {$1000.00} will be refunded/returned to my checking account within 4 days and I told her as well that I have some autopay due within that time. After 4 days the {$1000.00} was not yet returned to my checking account and my outstanding balance was {$3.00}. I tried to call the customer service of the bank and even went personally to the bank but the answer was to try to call the Credit Card Customer Service. On XX/XX/2022 an agent of Citizens Debit card named XXXX and XXXX yesterday from their chat web were both contacted with no avail to my problem
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened both a checking and a savings account with Citizens Bank at their XXXX location, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. XXXX XXXX opened the accounts, branch phone is XXXX. I made the required deposits exactly as stated on the offer to receive a bonus of {$600.00}. I did receive a bonus on XX/XX/XXXX for my checking account, but not on my savings. I patiently waited until XXXX to inquire as to why the bonus was not paid on my savings account. XXXX checked and was told it's because I didn't make a {$200.00} deposit in XXXX. That's true, because I'd already fulfilled the requirement of a {$200.00} deposit for XXXX consecutive months ( XXXX, XXXX, XXXX ). My current balance is over {$600.00}. XXXX then escalated my inquiry ( case # XXXX ) to a XXXX XXXX. When I called XXXX on XX/XX/XXXX, she stated that she can't help me and I need to wait for XXXX to call me. I'm being ignored now with no one calling me, the bank is not honoring their promise to me. I called the branch again on XX/XX/XXXX. XXXX was on vacation, I was told a banker would call me back, no one did. It's now XX/XX/XXXX and obvious that no one plans to do what's right and pay me. I want my promised bonus. I'm attaching the promo card I received and followed to the letter. Thanks for looking into this for me.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A