Date Received: 2022-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry details XXXXN XX/XX/XXXX CITIZENS BANK XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We signed up our construction loan with Citizens One Bank on XX/XX/2020. It was one year and interest only loan. During this time, we paid all our construction loan interest payments in the timely manner. As everyone is aware of the national and international shortage of material/resources such as lumbar, appliances etc. Our house construction was also heavily hit by these problems, resulting in delays several times. During our construction we rant into issues such as 1 ) Crew had XXXX for several days/weeks and the construction was halted 2 ) Lumbar shortage hit during peak XXXX times and our builder was not able to procure material despite his best effort 3 ) lastly, electrical post that provide electricity at the house was also unavailable due to which our builder could not go forward with the construction as a lot of things are weather dependent such as flooring etc. List above are some of the reasons we tried to explain to the bank and requested for extension past our 1 year period. However, bank still choose to slap us with XXXX for 3 months extension last month. I am here requesting to waive off this penalty give the circumstance not just in XXXX but also worldwide. It's already hard enough to continue to pay high interest to bank for several extra months as well as pay additional to builder higher markups on the material. banks continue to profit, while banks are allowed to take advantage of their customers during COVID during this unprecedented time. I am hoping that we will be able to get some help on this matter. Below are our account details so things can be verified. Please do let us know if there is any other documentation needed from our end. Thanks, XXXX XXXX
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a non-resident account with XXXX XXXX through their international banking center using my XXXX address and phone number. The account worked fine. Then XXXX sold their retail bank to XXXX and failed to inform in time that XXXX is not an international bank and that I won't be able to access my accounts without a US phone number or download the XXXX banking app outside of the XXXX. I therefore haven't had access to my money since XXXX XXXX, when the accounts were migrated. XXXX has violated my Terms of banking which I signed with XXXX which clearly stated that this was an international bank account. I found a legal counsel who was meant to resolve this situation for me. She went to a XXXX branch and ask them for their power of attorney template and they told her that both of us have to be present at the branch, which is impossible as I am in the XXXX. I then as a last resort tried to use friend 's XXXX phone number to gain access to my account, move my money away and close it, but XXXX refused to do that because the phone number wasn't in my name. Since XXXX I have spent several hours on the phone with them and they were not helpful at all. I am therefore stuck with a my money in the XXXX without any access to it.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is currently with Citizens One. I received notice, XX/XX/XXXX that my payment, due to escrow, is increasing by more than {$200.00} per month. I tried to get online to check what was happening, login failed. Called Citizens One for assistance. A 10-minute call dealing with an automated menu loop, which became degraded and kept looping back to the previous menu. Hung up and called again. This time I got a person, breaking up in the connection. Explained that I was unable to log in. She informed me they would text me a code. Since I have a landline, text wasn't possible. She informed me she was unable to help me. I let it go until today. Called today after getting another notice about my payment increasing. Called ( XXXX ) XXXX and again, continuous automated menu loop! Just kept trying different menus until I got someone. Explained, tried to with a poor/breaking connection, what I was asking. All a got was to apologize for the poor connection, which had to be terminated. My issue is that I receive a Form 1098 from them every year they acquired the account, XXXX. Under the Escrow Reconciliation, it shows that every year a balance of at least {$1100.00} is carried over. and my payments are increased! I receive a Homestead exemption every year, which is not reflected in the property tax amount. For the last 2 years, the state has given me another tax exemption in addition to my Homestead. I want to know who has my overage? The State Treasurer is supposed to send back to the institution any surplus. I have been unable to get any information about my money. I had contacted the State Dept of Revenue, they are looking into it. But still unable to get anything from Citizens One! Franklin Mortgage had it before, they would send a check-in in XXXX for any overages. Citizens One has sent only notice of increase of payment. The new payment for escrow will exceed my mortgage principal payment and my income! I want to know where all my escrow money is going? Is the State keeping it? Or Citizens One? Either way, there is no way to make an {$850.00} payment on Social Security. Copies of letters and Form 1098 can be attached as needed.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: HELOC with Citizens Bank of Rhode Island in XXXX. HELOC draw period has ended in XX/XX/XXXX with no remaining money to use. HELOC Acct number is XXXX. Applied for Mortgage assistance/relief through a HUD approved housing counsellor called XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and was approved. However, they need the three most recent statements which I do not have and Citizens Bank & their outside law firm XXXX XXXX will not provide these statements so that the money can be released. POC at XXXX XXXX XXXX is XXXX XXXX XXXX. Request that the CFPB intercede to obtain these 3 statements so that XXXX can move forward with disbursing the money.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: A withdrawal for {$2500.00} is repeatedly being made from two of my checking accounts. I opened new checking accounts and the same thing is happening with the new account. The name is " XXXX XXXX ''
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I had some funds for the amount of XXXX for property damage to be direct deposited into my citizens bank account, from XXXX XXXX, the Adjuster made the payment on XX/XX/2022 also sent email for confirmation that morning around XXXX. I saw the email then checked my account online banking seen the funds posted and the money I owed the bank recovered which was for XXXX dollars, which brought my balance down to XXXX. I ALSO call the bank that evening to verify my funds, because it was strange that I couldn't use my debit card, thats the same way the XXXX from XXXX XXXX use to make the payment by that method, so I had to go to the bank in the morning. XXXX o clock the next morning XX/XX/2022 all my funds gone with A reoccurring fee of XXXX dollar charge off account. How's that when it was paid positive account with A balance of XXXX and repsentive verified that the day before. I go to the branch they don't see any transactions don't file any disputes call by phone samething transfer all over and don't handle nothing just ask me for the XXXX. Strange that citizen won't reach out to the Adjuster. But the Adjuster is willing to submit what ever he need. No payment ever sent back to the sender yet it 3 weeks later. Citizens still haven't done anything. Acting like I stole my own money somebody from their department committed an fraudulent act.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2022 I purchased a vehicle that was financed through Citizens Financial Group and took out an extension of my own credit using my SSN ( credit card ) ( 15 USC 1602 ( L ) ), and Title 18 USC 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Pursuant 15 USC 1602L, the bill was prepaid with the use of my social security number, which I used in the application process with Citizens Financial Group. Furthermore, there was no right of recession clause in the contract, violation of 15 U.S. Code 1635. furthermore, I entered into this contract agreement with Citizens Financial Group without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Citizens Financial Group willingly and knowingly took advantage of me and my consumer credit. I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. In addition, I was given false and deceptive information ( violation of 1692e ) as I, XXXX XXXX was told that a down payment of {$5000.00} was needed in order to drive off of the lot. Down payment is a direct violation of 15 USC 1662, this transaction was simply an extension of my consumer credit. Pursuant to 15 USC 1605a - a finance charge is sum of all charges-this also includes insurance, but you don't need me to tell you that. Citizens Financial Group willingly and knowingly violated my rights as a consumer. Down Payment Reimbursement shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: XX/XX/2022, I decided to make a purchase for a new laptop ( college purpose ) Ive applied for credit thru the XXXX website thru citizens pay, since they were offering 18 months 0 % interest, if I made a purchase of 900s or more, which I did a total of 1500+, that same day I applied I received a message that citizen pay needed to identify my identity and will contact me within 72 business hours. I decided to call them on Monday XX/XX/XXXX to find out what May have happened since I never had this sort of trouble when I applied for credit. Citizens pay informed me that someone should get back to me no later than Wednesday XX/XX/XXXX, I waited till later afternoon that day for that phone call, upon my conversation with the representative that Wednesday XX/XX/XXXX they inform me that there was a hold on the account. So I told them that I havent received any call or had any miss calls from XXXX XXXX XXXX. So they decided to release the hold and go ahead and reapply on the XXXX website which again and I shouldnt have any more issues, unfortunately it did have me the same message as it gave me on XX/XX/XXXX. I called Citizen pay and they said go ahead again and I can be on the line for you while you re-apply, then everything when thru but as my surprise when it got approved the XXXX website told me that loan was 12 months, so I asked the Citizen Representative and she informed me that there should be an error because on their end they show 18 months, I should not worry about it and I can make my purchase. While making the purchase and choosing the form of payment as Citizen pay it was also giving me trouble as if I had never applied for credit. After a little while I received a confirmation of my new account number and decided to register the account, finally I made the purchase after XXXX attempts. I decided then to log in and I dont recall if it was that day or next just to make sure that it will show me the 18 months as per the Representative confirming the 18 months on their end Wed XX/XX/XXXX, but it didnt. So I called Citizen pay again to tell them and as per their information again they said No it is not 12 months because I can see in our end its 18 months, so she/he told me to check back on the website and see if it should reset and give me the 18 months no interest. Long story short now 1XXXX I had made several calls following up in this matter every 2 days or XXXX because I also inform them that if its 12 months then I will have to cancel the sale or return the product without opening it up since this computer is for my college purposes and I cant afford 12 months payment due to my financial situation which its very tight. 2- I believe I called on XX/XX/XXXX and ask them the same question, I believe at that point they said we dont offer 12 months or 18 months but our offer is 24 months so I dont know where you are getting that information then I replied you Representative not 1 or 2 but more than 3 had confirmed me that they could see on their screen as 18 months and upon one of those calls they had placed me on a hold since they needed to speak to one of their higher up, came back to me and reassured me that because this is a new account they cant do anything but it should settle automatically and if for some reason its still gives me the 12 months to call back again and they will fix the problem 3- On XX/XX/XXXX I received my purchase, ( computer ) I called Citizen pay on XX/XX/XXXX if I am not mistaken, and at that point again they put me on a hold, came back and reassure me that the problem will be fixed, before I hung up I asked them if they were sure because I am on a time line that I need a computer because my schools starts on XX/XX/XXXX and if not then Ill go somewhere else to get my self a cheaper computer using my other line of credit who doesnt have an option but only 12 months that will fit better on my budget since this is a big investment that I wanted to last me for at least 7 years. Again they said yes meam dont worry it should be fixed to 24 months I replied back to them I dont know why you are saying 24 months and I am not expecting the 24 months and please go back to the previous calls Ive made as I know you keep the recordings and your notations, all I am asking that the amount of months should reflect as 18 months as per the past conversations and confirmations from several Representatives, there was never mention on XXXX website that they offer 24 months so they replied dont worry you can call back next week in case its still it reflecting. 4- I called back Citizens Pay the following week and I cant tell you how many other calls I have made, at that point I already open the product since I needed to use it for my school. At that point Citizen not only treated me as if I lying to them, even I repeatedly request them to hear the previous calls this is what they told me in the next few calls With different reps made after XX/XX/2022 Meam we dont offer 18 months but 24 months. We offer 18 months but your purchase has to be more than {$1700.00}. We dont know who told you 18 months because we can see your approval only got for 12 months. You have to call XXXX since they have to fix it to 18 months. ( Upon requesting to look at their notes and recorder phone call conversations ) We can not help you, sorry, your payment are 12 months and we can not do anything about it. 5 - I have call XXXX and explained my situation how Citizen pay had treated me and giving me the run around. I had also told them to stop giving business to Citizens Pay and find a better lender who will really have respect for XXXX Costumers. Never in my life I been treated this poorly and Citizen Pay Representatives are very poorly train and dont know how to talk to their costumers as some sound as they just woke up from their bed or being bother, I also told XXXXt that from more than 7 calls I made only 2 or 3 knew how to talk to their costumer and with happy voice. XXXX are profesional and have a great costumer service as per my experience. I only regret that I had to return their product as full refund. One thing that XXXX told me that once the product gets return Citizens Pay should give me back the credit and that I should call them Citizens and provide the tracking number of the return product ( which label was created by XXXX it self and emailed to me ) which I am doing today and I hope they dont give me more headaches or lies. NEVER DO OR GIVE BUSINESS TO CITIZEN PAY THEY HAVE NO BUSINESS ETHICS AT ALL, they should be Shut down and be penalized. I had so many credit cards in past and lenders and never like this I ever been treated. If I need to down load my calls records so you all can see how many attempts I made with this Business. Not only I should get rewarded as form of CEO Employee pay for the amount of time I wasted, frustration for the running around they gave me and treating me as if I a fool. Also my credit report should be fixed as well as if I never applied with this business which as soon I get my credit back from this lender I am closing the account.
Company Response:
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: My private student loan through Citizen 's bank has been deferred since I have been in school full-time prior to all of this ( XXXX ), but I wanted to make a payment to keep down the interest. In XX/XX/XXXX, I used my stimulus check to pay on my student loan ( {$1400.00} ) with XXXX 's, while still in deferment. Then on XXXX of XXXX, I was notified by XXXX XXXX that both my student loans had been sent to collections as a charge off for bad debt because I did not pay for 6 months. They were still in deferment at this point and I didn't think that was possible, so I called Citizen 's and they informed me that regardless of the status I needed to pay $ XXXX now or they couldn't help me. When I asked, " This would have never happened had I not made that payment in XXXX. '' He replied, " I can not answer that. '' I reached out to a non-profit who helps individuals deal with loan companies, but they were only able to advise me to contact the collections through mail only & keep records of all external contact with them in case they try to break the law. On my 3 credit reports, each total for these loan balances are different and some even note a {$0.00} balance. I have 4 accounts total on my credit report for XXXX student loans. Having 2 accounts open on each loan has created an even greater derogatory mark on my XXXX XXXX ( 1 showing a balance & XXXX {$0.00} ), which has left me questioning what is really my total balance given the different info at every turn. The collections has also given my XXXX XXXX a hit and I am now dealing with both XXXX 's & a collection 's agency for the same problem all while not making an income. This morning ( XX/XX/XXXX ), I received an email from XXXX stating that SOMEHOW my loan is back with Citizen 's & now I need to start paying them $ XXXX starting XX/XX/XXXX, when I'm still a full-time student & should have never been taken out of deferment to begin with & no reparations for the irreparable damages done to my XXXX XXXX or the collections agency who is still trying to collect on the $ XXXX themselves.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A