Date Received: 2022-04-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for ~ {$6000.00} in XX/XX/XXXX then was told 3 months later that I had already deposited this check almost a year ago in XX/XX/XXXX. Now I understand it is my fault for cashing it twice, but honestly I did it by accident, I thought I had saved that check from last year for when i needed it. I just wanted to complain about the fact that why is it always the consumer 's fault? Wouldn't it also be a bank error for accepting the already deposited check and not letting me know until months later after I had already spent the money on my bills? I am willing to pay the bank back but want to see some sort of change in the system for the consumer to not be held accountable for bank errors, especially when big banks control most of the money/power in the world and are responsible for most of the evils in this world.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been receiving text messages from citizens bank for a few months about a line of credit I supposedly had with them. I ignored as XXXX. I received a letter on XX/XX/XXXX saying I owed them {$1700.00} for an account called XXXX XXXX XXXX. I was told it was opened on XX/XX/2021. I or none of my family had opened this account. I have contacted them and provided all the documentation they requested. The only info I could get from them is the last 4 digits of the card since I never received any paperwork because I did not open the account. They have denied my claim now a second time and are not providing any reasons.
Company Response:
State: SD
Zip: 57105
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was told by several of the customer service reps that I missed a XX/XX/2022 payment, as such my XX/XX/2022 payment was applied to the XXXX installment. Additionally, that my account is past due and has a late fee. I went through my account and all payments have been made timely, including XXXX. Two different reps argued with me, one hung up on me and neither communicated clearly at all. I asked to speak with a manager and was told they weren't available. I have since sent in screen shots of my XXXX payment transaction as well as transactions for the last 10 months. I have NOT missed any payments. I believe the issue is on their end. The XXXX payment was successfully processed on XXXX. I've asked that the company immediately ensure that the payment is credited to my account and that the late fee is removed. As a side note, when I went through my account with the service rep checks are routinely sent timely and are posted past due.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My Loan XXXX issued a preapproval again on XX/XX/XXXX for the purchase price of {$220000.00} loan amount XXXX told me on XX/XX/XXXX I didnt have to pay anymore debt off and gave me a good faith estimate on XX/XX/XXXX telling me I was good to go.. then XX/XX/XXXX I was issued a mortgage commitment letter telling me I had to suddenly pay off and close out the following accounts XXXX XXXX number XXXX {$5800.00}, XXXX XXXX {$4900.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX Stores {$1200.00} . Also then had to pay off my XXXX XXXX pilot down to a balance of {$2800.00} on or about XX/XX/XXXX then 1 month later on XX/XX/XXXX was told by XXXX that I had to pay the balance on the XXXX XXXX pilot which was {$2600.00} as well as previously paying my XXXX XXXX Credit Card on XX/XX/XXXX for {$13000.00} come to find out I didnt have to pay any of this debt off because from day one and XX/XX/XXXX he should have figured out that my debt to income ratio would not work considering my income of {$2800.00} to Pay a mortgage of {$1500.00} which is about .54 % DTI and I have All copies of all loan commitments and XXXX different closing disclosures now 71 days into this and have no other choice but to switch lenders because Im borderline to lose this house. Also my XXXX XXXX XXXX had to be paid account ending in XXXX and XX/XX/XXXX in the amount of {$4800.00}. We are talking a lot of emotional distress physical, inconvenience on me my mother and stepfather who eventually had to cosign on or about XX/XX/XXXX Which was well over 60 days for bank to figure out that I finally needed a cosigner that is inexcusable and unacceptable especially for a guy with 30+ years experience in the same business. I still have a ton of documents to submit I will be here for hours but thanks for your time and prompt attention to this matter have a great night!! Sincerely XXXX XXXX XXXX
Company Response:
State: NY
Zip: 12047
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I received and e-mail stating that a paralegal was now representing my closing firm on a new real estate purchase. This person who identified themselves as XXXX XXXX did then request our realtor and sellers information. In addition to these requests they also stated that we owed them money for processing and they did contact my realtor XXXX XXXX to collect our personal information including income and social security numbers. This went so far that they contacted the company that we are purchasing property from stating that they are the closing company and needed cash and personal and private information from them.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Citizens Bank is attempting to collect a debt that is not mine. It is for a security system at an address that I do not own, rent. or have any interest. I have lived in my home for 43 years. I have never had dealings with Citizens Bank/ Received notice of collection from XXXX XXXX on XX/XX/XXXX regarding debt to Citizens Bank in the Amount of XXXX. Research revealed that Citizens Bank financed a security system for a home at XXXX XXXX XXXXXXXX XXXX, TX XXXX on XX/XX/XXXX. Citizens bank REF # XXXX A security system was installed by XXXX XXXX, Acct XXXX XXXX I have never lived/ nor rented or had any connection with Citizens Bank, XXXX XXXX or the address at XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I trie to reach the bank many times to open a dispute and was impossible, I submited a claim trough CFBP on XX/XX/XXXX under this number XXXX The the bank reached me long time after saying they cant open a XXXX due the long time. Need to insist in the XXXX request because is the bank fault that nobody takes cares about this. Also I tried to call again last week and that department doesnt have direct line, so need to request a call back but im not in XXXX XXXXXXXX so they cant reach me in an XXXX phone number. The bank put a lot of difficulties to process a claim...
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We close on our loan in XXXX of XXXX. This was a new construction home where the XXXX was responsible for paying XXXX taxes. In XXXX of XXXX we received a delinquent tax notice for our school taxes due in XXXX of XXXX. I called citizens to pay the delinquent tax bill However they charged us for the school taxes even though they were not our responsibility. Also at this time our tax lines were updated to XXXX tax amounts which were for land only and not including the home. We received an average escrow check for {$2600.00} some change in error. I called citizens again to let them know they needed to reimburse our escrow for the school base amount that was not our responsibility and to correct the tax lines because we did not have an overage. I have reached out to citizens on multiple occasions since XXXX trying to resolve and fix their error however it has not been fixed and I am still out the money for the school taxes that they took from our account in error. My last contact I emailed them the estimated amounts that I received from our county and school for them to update the tax lines and the response was that they were in the process of looking at something else and that they didn't need to look at the new request. This has been a very frustrating ordeal.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a checking account with citizens bank and the sent an email and a text with a URL to their website and explains their peace of mind checking. This is the URL link to their website. XXXX XXXX XXXX Sunday, XX/XX/XXXX I had a balance of {$.00}. With that in mind on Sunday, XX/XX/XXXX the account was overdraft with a purchase of {$31.00} and there was one more purchase on Monday, XX/XX/XXXX in the amount of {$40.00}. Total of these two purchases is {$71.00}. the, Citizens charges me a {$37.00} overdraft fee and to my disbelief and extended overdraft fee of {$30.00}. So, add the {$67.00} dollars to {$71.00}, and the {$0.00} you have a total of negative {$130.00}. Ok, so on the Tuesday, XX/XX/XXXX, I deposited to my account, {$70.00} at XXXX and on XX/XX/XXXX at XXXX pm in the amount of {$3.00}. Total deposits at this point are XXXX. Because there is not a branch location anywhere near me, I used XXXX XXXX to direct debit these deposits into my account. When I have done this in the past the amounts are available immediately to use and why I chose this method of deposit. On, the XXXX of XXXX at XXXXXXXX XXXX I receive an email from Citizens stating ( going to type out email. Hi XXXX, The current balance in your account ending in XXXX did not cover one or more transactions on XX/XX/XXXX, which has overdrawn your account by {$130.00}. Mistakes happen -- we know, we're people too! And we're ready to help. With Citizens Peace of Mind, if you overdraw your account, you get extrea time to cover it. Then, we'll rebate any associated overdraft fees as if they never happened. How much time do I have? You have until XXXXXXXX XXXX on XX/XX/XXXX to make an eligible deposit or transfer. How much money do I need? You need to deposit or transfer enough funds to cover the overdraft, plus any new transactions such as automatic payment or debits due before the deadline. END OF MAIN PORTION OF EMAIL. So, the accounts of their own website and the email they sent, all I needed to deposit would be {$70.00}. I deposited the {$70.00} thinking that's all I had to deposit and then when reading that email, I immediately sent XXXX more dollars to cover the XXXX cents I was shy from covering this. So, in all reality I should have a balance of {$2.00}. But no, here are a list of the fees they have charged : XX/XX/XXXX - {$37.00} overdraft fee XX/XX/XXXX - {$30.00} extended overdraft fee XX/XX/XXXX - {$37.00} overdraft fee XX/XX/XXXX - {$30.00} extended overdraft fee XX/XX/XXXX - {$30.00} extended overdraft fee {$160.00} in fees. This is beyond ridiculous. I have called and called and talk to many representatives. The first problem is that all of these representatives are foreign and outsourced, so they don't get a thing i'm trying to say and keep trying to explain to me what's on their computer screen. That's all they see. They don't get that the computer can be wrong. I've called collections, which is where my account is now and the same result. They keep saying I needed to make XXXX dollars in deposits. That is not correct. I made the the deposits. They decide when and where these funds get place and do so in an order to make sure that their bank can make the most money on these out-of-control fees. On top of this they charged me and extended overdraft at the same time as the overdraft which I don't get that at all.
Company Response:
State: FL
Zip: 32504
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: My Mom opened a Citizen bank checking account several years ago. I was put on the account so i could help her if necessary. Just before we left the bank the banking repressive asked her to open a line a of credit with the account. I said that was not possible because I was in the middle of a divorce and my attorney told me to open no new accounts involving credit. They was perfectly clear that as long as I didn't sign the promise to pay I was not involved with the line of credit. They assured me I was not involved with the line of credit. They would not put me in jeopardy like that. They also tried pushing a credit card on her along with other products they had. She took the line of credit and declined the rest. The agent tried to push other products until I stooped her and told her my father had just died and now was not a good time for time. Fast forward to present day my mom defaulted on the line of credit due to the fact she is in a XXXXXXXX XXXX. I think is a similar thing like people went through will XXXX XXXX were the bank agent was looking to make commission or quotas. The was told I could not be a part of this line of credit and I was told I was not on this line of credit. And now the bank is trying to collect from me. They are guilty of frauds
Company Response:
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A