Date Received: 2022-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone other than myself has used my credit to open a line of credit with Citizens XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/2021. Spoke with the bank and they said it was opened to pay for a XXXX XXXX XXXX XXXX XXXX. This is not me. I have not applied for credit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX, I appreciate your help in getting this off my credit report. They have been late on their payments and it has dropped my credit score a lot. thank you for your help
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit card statement from an account opened in my name at Citizens Bank NA
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I discovered check fraud on my checking account on XX/XX/22. The next business day, Tuesday the XXXX, I contacted Citizens Bank by phone to report the fraud. At the time, there were two checks which the amounts and payees were changed, one for {$1500.00} & the other for {$1800.00}. The Bank explained that they would investigate. In the meantime, the account was changed to credit-only and I was asked to open a new checking account. The representative also told us that we would be receiving a provisional credit which after multiple calls and " expedited requests '' they filed for me, I have yet to receive. On XX/XX/22, a 'Declaration of unauthorized Endorsement - Altered '' form was mailed to the house. It was promptly filled out and returned on XX/XX/22. It has been over a month since initial contact. I've called multiple times to inquire about the investigation and also visited my local Branch. They aren't allowed to give me information and tell me that someone will call me back in two business day, yet I never receive a callback. Worst of all they continue to tie up {$3300.00} without a provisional credit. For checks that were clearly doctored, this process has taken longer than expected without regard for a senior citizen 's funds.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied for mortgage XX/XX/22 as of XX/XX/22 loan still has not been approved. Hundreds of emails and submissions of documentation supplied as requested. Conflicting and capricious request, in attentive communication, promises that approval is eminent with just XXXX more submission which never occurs, confusing and dysfunctional submission procedures and platforms, no person with clear authority to direct complaints or address concerns or make a decision, no clear company customer service policy or apparatus. We currently have an existing loan with this company which has rolled over to a higher interest rate while we have attempted to get refinancing at a lower rate. Feel this poor treatment is to deter us from achieving a more advantageous loan.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from Citizens on my Mortgage and any and all late or missed payments are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. XXXX is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of XXXX closed and all workers were force to work from home. I called and wrote to Citizens about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXX, died of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to Citizen 's was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been receiving text messages from those who claim to be from Citizens bank. All three messages Ive received thus far have been from 3 different phone numbers. Each message reads : [ Citizens Bank Alert ] : Unknown activity detected on your account. Secure your account here immediately XXXX XXXX XXXX XXXXXXXX I did not enter into this link because I believe it to be a scam made to hack my phone and to find my actual banking information.
Company Response:
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Original claim filed on XX/XX/XXXX with XXXX for inflating interest charges, charging interest to principle only payments, and not applying principle amounts correctly. I have been in touch with XXXX XXXX ( Office of the Chairman ) ( XXXX ) XXXX I last sent her some documents on XX/XX/XXXX with questions, and have not heard back from her. I have left several messages for her to contact me, & she is ignoring my calls. I have been trying to get this account straightened out since the beginning, and have been getting the run-around.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums with an exception to mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Grant me my title lien free. Do not seize or attempt to seize anything in my possession. XXXX out the balance on this account. Cease and rescind use of my intellectual property, my signature. On XX/XX/XXXX, a billing error occurred per 15 USC 1666. The contract states : " You, the Buyer ( and Co-Buyer, if any ) may buy the vehicle below for cash or on credit. '' During this transaction, cash was used to purchase the XXXX XXXX XXXX XXXX, this is a clear violation of my federally protected rights as a citizen. Best Regards, XXXX : XXXX
Company Response:
State: MT
Zip: 59405
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citizens bank Account Number : XXXX savings account A {$300.00} bonus was expected. Due to misleading language the bonus was not paid even after depositing a total of {$15000.00} into the savings account. I have tried to work with the bank but they would not pay the bonus.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Starting on XX/XX/XXXX, I received several small debits from ( XXXX XXXX ) and ( XXXX ). I do not have an XXXX Account. A phone number was listed next to the transaction : ( XXXX ) XXXX When you call that number, you can not speak to anyone and it directs you to the real XXXX billing. After doing a web search of this number, I saw that many others were scammed by this scheme going back to XXXX. Conclusion : Someone created a " Phony '' XXXX company and has somehow been able to find people 's debit cards. I use Citizens Bank. This is my 3rd debit card scam this year. I have other scams from fake XXXX account charges and XXXX XXXX. My banks have reimbursed me for these scams. We need a pro-active investigation into these scams. I had notified the XXXX XXXX fraud team.
Company Response:
State: PA
Zip: 18504
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A