Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was denied multiple loans and found out it was because there is an open line of credit in the amount of {$5000.00} and over {$3000.00} of it has been utilized. This is at a bank in Rhode Island I have never heard of, been to, or applied for any services at. I have reached out to my local police department and filed a complaint about this.
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Citizens bank has completely destroyed my credit as a second chance bank and completely made me lose all faith in the fiduciary obligation responsibility they pretend to have, they have throttled my account I tried to fix this through the bank but they totally deny any wrong doing so I ask for a thorough investigation into my complaint please see documents for dates I WOULD RATHER LET THEIR WORD TALK FOR ME!
Company Response:
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have repeatedly attempted to resolve this with Citizens Bank 's customer support system, and they have actively neglected to follow through on any calls I have made about illicit withdrawals from my account. A data breach at Citizens occurred at some time on the XXXX of XXXX, wherein an unapproved verification deposit and subsequent withdrawal of XXXX cents by XXXX was made on my savings account. I discovered this on the XXXX of XXXX and I contacted Citizens to request that a new savings account be created and my funds transferred to it so that my money would be protected. Citizens did not do so, and then later that day on the XXXX, two XXXX dollar withdrawals happened via XXXX. I contacted Citizens again, voicing my concern and distress, and they claimed to have initiated a claim on my behalf, stating that they would contact me in 10 days if the problem had not been resolved. 10 days later, I had still received zero contact from Citizens Bank, and still no new account had been created to protect my funds. I checked my account to find that ANOTHER two XXXX dollar withdrawals had occurred, and that the previous amounts stolen from my account had still not been returned to me. I have been attempting to contact Citizens Bank for the last twelve hours. There is no online system for reporting fraud, so it must be done over the phone- but their phone system frequently hangs up rather than direct you to any human operators. It will often directly hang up the instant you call them, as well. Once I finally reached an agent, the agent hung up on me when I requested to start a new claim to recover the second set of funds stolen from my account.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... XXXXIN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... XXXX15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE
Company Response:
State: MA
Zip: 01852
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I fist received text messages from Citizens Bank in XX/XX/XXXX congratulating me on my new account. I have never had any accounts or business whatsoever with Citizens Bank, so this account must have been opened via fraud. I then received communication in the mail from Citizens Bank N.A. on approximately XX/XX/XXXX that I had an overdrawn checking account and owed {$49.00} of overdraft fees. I contacted Citizens Bank, they documented my complaint and advised me to report the case to the FTC.
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: During XXXX my computer was hacked and then I was scammed out of my savings of {$200000.00}. I believed I was working with XXXX to prevent money from being removed from my account. I was instructed to wire transfer funds into " safe wallets '' which I would have access to when the hackers were caught. I believed I was working with actual XXXX employee. Several of the initial transfers came from Citizens Bank where my savings hew been for forty years ( before Citizens took over the Bank ). XXXX. XXXX recovered by citizens fraud dept from XXXX XXXX XXXX XXXX XX/XX/11 XXXX
Company Response:
State: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2022 XXXX ( US ) transferred my accounts ( checking, saving, and credit card ) to Citizens Bank as part of closing its US operations ( without offering me any choice ). Citizens has so far made no provision for account holders who do not reside in the USA ( you have to give a US telephone number to register ), so I have no online access at all. At least one person that I spoke to was aware of the problem but said resolution was indefinite. Also one can not withdraw funds via its telephone system, so I do not have any access to my money as far as I know. Obviously the situation causes me some difficulty. Surely this is strange behaviour for a bank?
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During my Citizens home loan application process, all forms of income reported weren't accounted for thus the loan was denied. On Monday XX/XX/2022. I gave the mortgage lender 3 jobs that I currently work and notified her that I will be giving her 2 more as I work for a XXXX XXXX and pick up contracts throughout the year. On XX/XX/2022 I updated her one more of the places of employment I work for. On Wednesday, XX/XX/2022. I updated the mortgage loan officer with all current places of employment for work verification. As this was the first time I was notified that they have to do VOE which was never previously done. On XX/XX/2022 I was updated that none of the places where contacted. I am not sure why however, that is a span of 2 weeks that no-one attempted my VOE. On XX/XX/XXXX, I was told that my loan was suspended due to t a back up. On XX/XX/XXXX, I was notified that my DTI was high for the loan amount. I was also notified on this day that only 2 out of the 5 incomes were being used. To be specific it was the 2 XXXX jobs and the XXXX XXXX I work for that were excluded for unknown reason. I asked to speak with someone above her ( mortgage lender ), however after a week, I was never contacted by anyone else. Also the price of the home is {$170000.00}. I have a XXXX XXXX. The denial letter stated I was denied for a home loan of XXXX. That was also inaccurate. There were also many days and sometimes weeks that I wouldn't hear back from anyone even after calling and sending multiple emails. This has showed a great lack of negligence and communication in the home loan process.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I wanted to send {$5000.00} to my cousin in XXXX on Monday, XX/XX/2022. I went to the nearest Citizens bank branch to my home. I have a checking and saving personal and business account with this bank. Prior to going there, I booked an appointment with XXXX XXXX the branch manager. He assigned one other banker to assist me. Banker asked for my information, and beneficiary ( my cousin ) information to transfer. I have indicated and emphasized that I'd like to transfer the same dollar amount. I agreed on paying {$75.00} for fees. The piece of paper that I signed also indicates Total to the Recipient : XXXX USD. My cousin informed me today ( XX/XX/2022 ) that the received money was XXXX euros. This was not what I have asked my bank to do, this money is much less than what I expected, it is not what I expected, and Citizens bank has violated the customer 's right. My right to request banking services as exactly indicated above, my right to be informed. I called the office of transfer ( XXXX ), and when I complained about the above issue, the citizens ' bank manager hung the phone on me ( Disrupted the phone conversation ).
Company Response:
State: MA
Zip: 02118
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My savings account with XXXX bank was taken over by Citizens bank earlier this year. I never really used this account with XXXX, and paid no monthly fees. Citizens has assigned my account to a " One Deposit '' account with a XXXX monthly maintenance fee. I called Citizens Bank on XX/XX/2022 and requested account closure. I was assured I would receive a check in the mail for the very small balance left in my account, and once cashed, account would be closed. The customer service rep said that the account would remain open until I cashed the check. Made no sense to me but he insisted he was following procedure. Said I would receive the check with 10 days. I did not. I called again on XX/XX/XXXX, and this time the customer service rep said I'll receive a check in the next 5 days. I have no reason to believe this will happen based on the lack of knowledge portrayed by customer service, and I don't want to have to call again and wait forever on the line. I just want to close this account. There are no Citizens Banks located in California, otherwise I'd go directly to the bank. There are no instructions on their website as to how to close an account. Chat service takes hours.I want to close this account before I start racking up monthly fees. Please help.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A