Date Received: 2022-05-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Application XXXX was signed on XX/XX/2022 after meeting mortgage broker XXXX XXXX ( Bank employee ). Fixed Interest rate was promised between 2.75 % to 2.87 %. XXXX XXXX confirmed verbally he had a budget to reduce the interest rate offered on paper which was displayed at 3.25 %. We were told the next step would be home valuation and credit check. The check did occur but the valuation didnt despite many follow ups with the Bank XXXX After a month, the Bank informed us that a new application had to be done. The application was done, a new credit check was conducted and the home appraisal was made ( paid by me XXXX $ ). The rate on the new application was promised to be the same as mentioned above locked between 2.75 % to 2.87 % however the paperwork showed a different amount. After many phone calls, emails and conversations with XXXX XXXX where I requested for the interest rates on the paperwork to match what was promised, the case was moved to different employees finally landing on XXXX XXXX XXXX who confirmed the only interest rate that the Bank could offer was circa 5 % APR which was much higher than the beginning. According to the evidence, I believe the Bank is at fault because 1 ) XXXX XXXX offered an interest rate which was not correct 2 ) The Bank employees failed to clearly state the mistake had been made by replying to my emails XXXX ) The Bank asked the costumer to do XXXX applications for unknown reasons 4 ) XXXX credit checks were conducted which impacted my credit score 5 ) Most phone calls and emails to XXXX XXXX remained unanswered 6 ) The time lost in this process made me lose the opportunity to refinance my loan which caused my monthly payments to remain high 7 ) The Valuation was paid by myself for XXXX $ which seem to be lost.
Company Response:
State: NY
Zip: 142XX
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: Fraud or scam
Subissue:
Consumer Complaint: This person scammed me into sending them a payment for a dog I did not receive. I cant believe someone would do this to someone else its the worst thing you can do. They sent me a legit contract and we made an agreement they asked me questions, I even submitted an application. They completely lied about who they are and what they do. They need to be shut down they are running a complete scam illegally on this website please shut them down they are lying about everything. I contacted CitizensBank to request my money back which is when I used to send the money to this fraudulent person. I let them know that this was a scam and then I would like to request my money back and they refuse to give me back my money.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022, I called Citizens Bank to ask them to close my account with a balance of {$8.00} and they said that they will proceed to mail me a check. I called again in XXXX to get an update but their customer service call center said their call volume was too high to accept calls. Today, XX/XX/2022, I found out that they were charging me {$5.00} per month and refused to close my account.
Company Response:
State: CA
Zip: 94547
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: tried multiple times trying to close my account. They can not close my account with money still in account on XX/XX/XXXX. Then I transfer out, they still did not close my account and keep charging me monthly fee with no reply for not closing successfully. Now, they charged me another two month fees. XX/XX/XXXX, they want to transfer in to cover the fee then wait another ten business days call to close the account. If I wait another 10 business days, it is time for them to charge me another month fee.
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was never late on a payment. I paid biweekly for the length of mortgage. The company changed its software and couldnt take bi weekly payments. Monies were still sent in electronically thru my back. The mortgage company went me checks back, then said I was delinquent? This is a mistake on their behalf and it should not reflect on my credit report. This mortgage has been paid in full. In reality the mortgage company owes me the money back from late fees.
Company Response:
State: NY
Zip: 12304
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX I deposited a check through my XXXX app for Citizens Bank for {$150.00} On XX/XX/XXXX XXXX realized that my bank account was in the negative to almost XXXX I couldnt understand what happened. So I immediately called Citizens Bank and spoke to three different associates. And they kept telling me that the check was still dated and I was trying to explain to them the date was XX/XX/XXXX and Im looking right at it and the date is clearly not pass the year and its from the United States treasury department. Well they insisted that the check was no good. So I went into a citizens bank and showed the check that I deposited using my phone app to the teller. And she also seen that the check was not stale dated. She couldnt understand what was going on so she was on the phone to some of her other managers trying to figure out the situation. Nobody could figure out why they took out the {$150.00} that I deposited XXXX overdraft fees which were {$38.00} a piece. The manager suggested that I redeposit that check and see what happens. So we did. Two days later I get a letter in the mail stating that they re-took the {$150.00} out of my account again because it was a duplicate check. I couldnt understand what happened well what happened when I got all the paperwork shows me. Somebody deposited a check from the United States treasury that lives in Connecticut for the same amount of {$150.00} and it ended up in my account well his check was expired it expired in XXXX. Dont know where my check went to but it didnt appear in my account at all. So when I looked at the paperwork that was sent to me I noticed the name and Check was clearly not me. So I immediately called up Citizens Bank again. And they told me that my check has been cashed theres nothing they can do they dont understand what happened theyre not refunding my {$380.00} in overdraft fees which I acquired because of this check that was not mine and in my account. They told me to call the United States treasury department and have them issue me another check. So I did. And the United States treasury department told me theres nothing they can do for me because the check was cashed. Somebody cash that check which it was this XXXX XXXX guy. So I called Citizens Bank again and I went up to the branch again. they were able to give me back three of the over the limit fees but since all this started they accumulated again or they took the money out the second time. So I was in a hole about {$490.00}. I disputed this guy called up Citizens Bank I wrote to them. I went to the branch and nobody will help me they said theres nothing they can do for me. How can this happen when all they did was take a picture of the check and send it to my bank account. I still have possession of that said shack which was not stale dated and in my name and showed everybody. And then all of a sudden theres a check in my account for the same amount that is stale Dated. And not in my name. And on top of everything else they close my account on me. They dont want me to be with them anymore. They made a mistake they owe me money and the excess of {$400.00} nobody will explain how this man XXXX got into my account and they wont pay me back. How is this legal and how is this fair. All the women at the branch clearly knew I did nothing wrong she actually issued me a brand new debit card which was canceled the next day because corporate close my account on me. Something is going on nobody wants to tell me and nobody wants to give me back my money so I did some investigating and found this young kid Cause all this drama does XXXX who lives in Connecticut and Im in XXXX New York dont know this man. And he giggled and hung up on me. So I am out of XXXX something dollars because I had to borrow money from people to put back in my account so I didnt have a negative bank account balance I think it was {$.00} when they close my account. I need somebody to help me please this is not fair this is not right. Do not bank with Citizens Bank ever!
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The XXXX Bank has canceled my previous checking account for no reason and without notifying me in advance, and they also have frozen my deposited money for half a year without returning it to me. I filed a complaint ( COMPLAINT ID XXXX ) on XX/XX/XXXX, and the bank is under pressure from the complaint, on XX/XX/XXXX, the bank asked me to go to their branch ( located at XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX to resolve the case. I went to the branch on time upon the appointment. first, the branch representative ( name : XXXX XXXX XXXX asked me to show my ID for verification and signed all the documents they required. During the process, another representative ( name : XXXX XXXX XXXX stepped in and stopped the process, Put me on hold for 2 hours for nothing, and then finally came over to claim that I did not have Notary, did not meet their requirements, and refused to refund the previous balance amount of my checking account. Obviously, they turned the simple things became more complicated and they just wasted my whole afternoon time failing to solve my problem, until now the bank still owes me about {$3000.00} in deposits. Additionally, My Checking account info with the XXXX Bank : Account Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Checking Account Routing number : XXXX Checking Account Number : XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account has {$0.00} balance for many months. Citizen Bank incorrectly reported 30 days late payment on the {$0.00} balance. I have an open case # XXXX with Citizen Bank since XX/XX/2022 but they keep promising to remove the negative information with actually doing anything.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, so I fell under a financial hardship in XX/XX/XXXX due to Covid. I called my mortgage lender Citizens Bank. I was offered a forbearance the end of XX/XX/XXXX, I applied for the Stand Alone Partial Claim in XXXX of XXXX. I have called my mortgage company weekly since I started the forbearance on XXXX. I am currently 4 months behind on my mortgage but I have been making my payments regularly since XXXX of XXXX. I call my mortgage lender weekly and they refuse to give me any information or tell me where I stand with my Stand Alone Partial Claim. Citizens is continuing my forbearance yet cant tell me what is going on with my account. I call weekly and no one can help me. Every single person gives me different information. This in my opinion is extremely unprofessional for such a large mortgage lender. I cant imagine how many other customers are struggling in the same situation I am. I have never had a company refuse to give me information regarding my own loan. They say they will have some one return my call and yet I never receive a call back. When ever I do speak with someone it is a call center out of country and the agents barely speak English. Its beyond sad that a company can lie and give so much misinformation. Please help me get this figured out. I dont know where to turn for help. Thank you XXXX XXXX XXXX
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Back earlier this year, a company withdrew money from my account, realized their mistake and returned the full amount to my account. The bank still charged me an overdraft fee and added interest and now the bank just messed up my credit score and still want full payment. I feel that why do they get to mess up my credit, get paid in full, and then it takes my credit forever to repair. That should not be allowed, thank you.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A