Date Received: 2022-05-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Citizens bank reported an unathorized inquiry on my credit report specifically XXXX and XXXX. I have no knowledge of this transaction, and I want to report this suspect inquiry. ( FRAUD )
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I bought a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. The XXXX was thru Citizens Bank. Loan was for {$44000.00} ( we paid {$5000.00} cash ). The first payment was due on XX/XX/XXXX. I decided to get financing with my local credit union as they offered lowered rates. XXXX XXXX XXXX XXXX sent Citizens Bank {$44000.00} on XX/XX/XXXX. ON XX/XX/XXXX, XXXX said they couldn't close the account as there was an balance that needed to be paid. I tried calling their Customer Service XXXX and at the time, the wait on hold was XXXX hours. I never got to speak with anyone. I kept getting disconnected after entering my credentials. I had tried to call in XXXX, XXXX, XXXX and the same thing happened... ridiculously long wait time and phone would disconnect. However, on XX/XX/XXXX, I was able to speak to a customer service person. I told her that I think XXXX charged me with a monthly payment and shouldn't have, since first payment wasn't due til XX/XX/XXXX and the payoff was received on XX/XX/XXXX. She waived the late fee of {$8.00} but that was all she could do. I asked to talk to a XXXX and she said the " XXXX could not help me ''. She said she would notate my file. I kept getting bills. I was able to " connect '' with " XXXX '' on XX/XX/XXXX @ XXXX eastern time, and he said he doesn't handle collection accounts and transferred me and got disconnected. I tried calling again, and again, and again, and never got thru. The call kept getting disconnected after entering credentials. I live in Maine and there are no branches located in Maine. I tried calling a branch in XXXXXXXX XXXX and someone took my info and said they would try to find someone I can speak to. I still have yet to get a call. This is now being reported on my credit report and is not accurate. This isn't money I owe. And I can't get in touch with anyone at Citizens to talk about this. They also added back the late fee in the monthly billing they send me but the amount of {$160.00} is being reported on my credit report.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I started a process to remove PMI form my home loan. I filled out the lender forms and paid a fee of {$100.00}, the XXXX was completed in less than one week with a new value of roughly $ XXXX. That amount is more than enough to remove the MI. After chasing the Bank/Lender for almost 3 weeks I just paid my XX/XX/2002 with PMI included. The lender had more than ample time to remove it and they never respond to any of my emails.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To whom it may concern, Citizens Bank has such a terrible job getting my loan closed this will be my second complaint within a week because they are still giving me problems I had to switch lenders because we were pushing the 90 day mark and they are now refusing to transfer my case number for loan XXXX which was requested over 1 week ago they have also The phone that it has been transferred which is false information I just checked with my new lender and they HAVE NOT received it as of XXXX a.m. here on Monday XX/XX/XXXX. Thanks a bunch for your help in advance and if you have any questions please feel free to contact me at the number below or my email address thanks again Sincerely, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 12047
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I was alerted by XXXX that an account from another bank was opened in my name-I found out a few days before and reported to the company. XXXX advice was to lock my account-the problem was my account was locked for inquires, so the service didnt work. I attempted to report the matter and asked for a refund due to the lock didnt work. The representative said I cant do thatits complicated. I told him I didnt want to talk to him anymore and needed to speak to a manager, he threatened to hang up with me, I told him I know who to call. So I came here to report them and request a refund for services Im paying to lock my report, which didnt work. I only want a refund for a month.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Citizens Banks has incorrectly updated my credit report which has adversely impacted my credit scores and ratings in a negative way. In the comments section of the report Citizens Banks is reporting that the account was paid by the dealer. This is incorrect as I paid the account balance in full and have provided a letter to verify this.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Customer of XXXX for 15 plus years. Recently became Citizens customer as a result of their merging. Currently have approximately {$31000.00} on deposit with Citizens. On XX/XX/XXXX I initiated transferring just under {$10000.00} more to Citizens from XXXX XXXX XXXX Bank. Citizens pulled the money but never credited to my accounts. Showed a pending completion date of putting money in our accounts in the year XXXX XX/XX/XXXX I called Citizens to work on correcting problem and subsequently close accounts. Spent HOURS on the phone XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX helped us revoke our authorization to transfer and got back all of our transferred funds ( just under {$10000.00} ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I called Citizens, emailed them AND sent a notarized letter requesting to close the accounts XX/XX/XXXX they initiated the process to close the accounts XX/XX/XXXX they closed our accounts totaling just over {$31000.00} As of XX/XX/XXXX, they still have not cut us a check for our money. Representative indicated that they are having troubles cutting checks and it is unknown when money will be returned to us
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Went to open account and was told I owe citizens bank that I never opened account number XXXX I contacted citizens and was directed to check systems who I called and told me to put a dispute in I did and called to get my report no one wants to give me info
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint concerns Citizens Bank of Massachusetts Account Name : XXXX XXXX, XXXX. On XX/XX/XXXX, XXXX wrote check # XXXX in the amount of {$10000.00} to XXXX XXXX XXXX XXXX, a company we do business with. On XXXX XX/XX/XXXX, we were notified by XXXX XXXX that they had not received payment. We confirmed that the payment had cleared our bank and funds withdrawn from our account on XX/XX/XXXX. On further investigation, we confirmed that the check had been paid, to a company named XXXX XXXX XXXX XXXX We have no business with XXXX XXXX XXXX do not know who they are, or why they obtained our check. I immediately notified Citizens Bank ( at XXXX EST on XX/XX/XXXX ) by telephone of a potential fraudulent activity and/or an error and asked that they return the funds to our account immediately. I was told by phone that they would investigate and reverse the charge if confirmed. I have a copy of the canceled check that shows the depositor name is not the payee name ; it is clear that this is a Citizens Bank error, but they refuse to acknowledge it. On XX/XX/XXXX having heard nothing about the issue, we visited our local branch manager and were advised that the claim was still being investigated. I was promised a call back within XXXX hours by the branch manager. On XX/XX/XXXX, I called him and was told the claim was still being investigated. Approximately, one week later, I called the manager and demanded the funds be returned to our account. I was given contact information for a more senior regional manager, XXXX XXXX ( tel XXXX ), Citizens ' " XXXX XXXX XXXX ''. I immediately called XXXX XXXX and was told the matter was still being investigated, but that I would hear back from him in XXXX hours. I have heard nothing back. I left him one voice mail that he didn't return. I have since tried to call him two other times, but his voice mail box is now full and I have no where else to go. I've left two messages for the local branch manager, and he has not returned either of them. I think they are just ignoring the issue and hoping I will go away. At this point, as far as I'm concerned, Citizens Bank as misappropriated our money. It has been more than 3 months since I first notified them, and I've got nothing to show for it. I have attached a copy of the paid check and a copy of our initial claim notifying Citizens of the issue. Any help you can provide would be greatly appreciated!
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Attention XXXX XXXX and or XXXX XXXX, This is concerning CFPB Case Number XXXX that was filed concerning missing direct deposit tax refund checks. I have the reference numbers and tracking number of the missing electronically filed and deposited tax refunds. The first year is XXXX state XXXX and federal XXXX. Then XXXX XXXX, and XXXX federal XXXX and state XXXX. These are the tracking numbers for XXXX, XXXX and XXXX. The XXXX federal return I can't seem to locate and I received the XXXX return delivered in the USPS mail. I have talked with XXXX XXXX and have been contacted by XXXX XXXX XXXX concerning the missing funds. These funds were to be direct deposited into the Citizens Bank of XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX on XXXX XXXX in the XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your immediate attention to this issue and I have filed these transaction numbers with the Federal Trade Commissionor and the FDIC Bank Insurance. I am required to file taxes since my AGI is above {$25000.00} by federal law and I receive my correct amount at the end of the year. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XX/XX/XXXX
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A