Date Received: 2022-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT CITIZENS BANK you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS ( INTERNAL REVENUE SERVICES ) Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you CITIZENS BANK are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. My Address is listed below! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX A1 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1. PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ive called citizens bank hundreds of times for the fraudulent transactions on my account and no response nor has the charges been removed.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Homeowner posted his house for rent on XXXX. He gave a very convincing report about himself, his family, and circumstances for not going through a property management company. He told me I couldnt have a look inside the house because current tenants didnt want to be bothered but I could explore the outside of the home. I went around the neighborhood and multiple neighbors confirmed his identity as the owner. We went back and forth for a week by email and I asked him to video chat to confirm his identity but due to family circumstances, he could only call me to provide me information on the rental. He said his lawyer would meet me with the key once I had paid security deposit but could hold off on first months rent until prior to XXXX. We signed a lease and I paid security deposit to his accountant XXXX XXXX via XXXX. He asked me for first months rent a month prior to the lease date stating his later insisted I pay prior to move in based on the contract. I explained to him about our agreement over the phone and he agreed to hold off on first months rent until prior to move in. At the end of XXXX, I tried sending money to his accountant but it errored so I reached out. He said there was an issue with the account and to send the money to his secretary XXXX XXXX, so I did. He gave me a phone number to reach him. I called in the evening but it didnt have a voicemail so it kept ringing. On my last payment date, he asked me to send an extra {$1000.00} for small repairs on the house and I declined stating that he could use the security deposit I paid last month. I never heard from him after that despite multiple attempts to call and email. I called the initial number he called me from and the number he gave me. The number he provided goes to a design company that doesnt have anyone by XXXX XXXX working there. The initial number rings until it goes to voicemail with no identifier. Fraudulent rental : Security deposit sent ( {$2500.00} ) via XXXX through Citizens Bank app : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} First months rent : XX/XX/XXXX- {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} On XX/XX/22, I called my bank and they told me they couldnt do anything because the payments had already processed. They were not able to give me any other information about the recipient except names despite telling them it was fraudulent and I was going to pursue legal action.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Charging a fee for paper statements and very high fees for maintenance in an effort to force me into an on-line account sign up. Unable to close this account Citizens purchased from XXXX.
Company Response:
State: WA
Zip: 98383
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Per Citizens ' response to previous complaint XXXX I sent them an email requesting the accounts be closed. Although I have had a Read receipt no action has been taken.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX the mortgage company citizens bank, payed me XXXX dollars for excess funds in my escrow account. I never received the check. I called back 6 times, about 1 time a month, asking for the check because I never received it. They say it shows the check has not been cashed and they will resend. However every time I call back they say an error happened and they will do it again. Ive been waiting for my money since XX/XX/2022 and havent received it. I closed my account with them due to a refi of my mortgage. Im nervous I wont recover my money.
Company Response:
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sending a wire transfer for final payment on a condo XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX My realtor 's e mail was hacked : XXXX. She works for XXXX XXXX but chose to use this email address. I was given the wrong wire transfer information from the imposter. XXXX XXXX wired {$200000.00} went to this account : CITIZENS BANK/ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Routing : XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX Account number XXXX. The money then went to a XXXX account ( according to XXXX ). I do not have that account number. XXXX is investigating but it seems a great possibility my money is gone. Both accounts set up by Citizens Bank and XXXX were FAKE accounts
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received letters from Citizens bank with a credit debit card and giving me information on the new accounts I opened. I did not open any accounts. I called the company they will have their fraud department contact me and they closed the accounts.
Company Response:
State: NY
Zip: 11426
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Citizens Bank bought my mortgage in early XXXX. My payments were fixed at {$3200.00} monthly paid automatically from my checking account. My escrow payments went up for real estate taxes and insurance. The company sent me a letter on XX/XX/XXXX saying the payments would go up automatically, or " If you'd like to pay the ENTIRE ( my emphasis ) escrow shortage/deficiency amount of {$1100.00} that's shown on your enclosed Annual Escrow Statement in one payment please mail us the coupon below along with your check. '' Which is what I did. Below is a Note saying : " Even if you pay the full shortage amount, your loan payment may still increase if your property taxes and/or insurance premiums increase. '' Naturally, I didn't think it meant BOTH! My next payment was increased to {$3300.00}. I have always paid my escrow increases to keep my payments level and avoid confusion, and have done it probably 15 times over the past XXXX years of home ownership. This is the first time I've seen this. It's very misleading, deceptive and there is no reason they shouldn't allow me to pay the full increase to keep payments the same. They make more money by splitting it, I'm sure ( otherwise, why force me to do it? ).
Company Response:
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A