Date Received: 2022-04-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Received the following text : ( Alert ) Your Citizens online account is under review due to suspicious activity. To restore access visit : XXXX ( Msg & data rates may apply )
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Have been receiving threatening letters and phone calls from collection dept of Citizens bank account no. XXXX in the amount of {$270.00}. Now I got a letter from a credit reporting company. Ive made several attempts via phone calls and USPostal Service. When I finally got a human on the phone, she wanted my SS no which I refused to disclose saying if you had a valid debt, then you would have the SS no. I said if u give me the number that you have and XXXX verify it if its correct. Agent refused. I am XXXX XXXX XXXX, suffer from XXXX advanced XXXX and I am unable to sleep nights due to stress related phone calls Im scheduled for a XXXX XXXX in the next couple of weeks and this phony claim is extremely upsetting to me and is a deliberate attempt to inflict emotional distress.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: XX/XX/XXXX someone stole my husband identity, his name is XXXX XXXX. Taking out multiple loans online for electronics. These loans included XXXX different companies, XXXX out of the XXXX were great. We had a police report, our local police investigation the issue. We were able to provide paperwork and documentation of the fraud and resolve the issue. However, the third company is XXXX Bank and they have been HORRIBLE! We have called and called and called and are always told ; we do not have many staff in the fraud department and no one is here to speak to you. We were give a fraud like we could call and leave a voicemail with no response EVER! We finally in XX/XX/XXXX to at least email us the fraud paperwork we needed to fill out and submitted it. Just to continue calling and getting the same line but no information. In XX/XX/XXXX some finally confirmed for me they received our paperwork and we should receive an email my the end of the month with instructions on what they needed from us. Well we never got that email. The fraud line now no longer even takes voicemail, its just hangs up on you. They recently gave me an email address which again no response. I have offered multiple times to send our police report in and they just tell me someone from fraud will have to talk to me. At one point we were making payments on this loan to ensure it did not hit our credit, they are stopped taking our payments and our online account no longer shows a balance but I can not get ANYONE to speak to me about the claim. Is it resolved? I am literally in tears over this. I have no where to turn. I ask to speak to a XXXX or someone higher up and they just tell me there is no one for you to speak to. I am sorry. The emotional stress this has caused my family and I is in describable. Please help me.
Company Response:
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open both checking and saving account with Citizen Bank. A week later, I received debit card with PIN number in separate mail. However, I am ending with that I couldnt activate my account anymore. Then, I received a letter from citizen bank that saying they are going to close both of my accounts and they will no longer maintain banking relationship with me. I have no clue what is going on. And I have very good record with banking system.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Citizens bank never reached out to me to let me know I owed a balance. You enticed me to open an account and put my direct deposit in there. You then took my money to pay a charge off that you never told me about. My wife is XXXX and was laid off due to the pandemic. The money you took is money we use for food and bills which I am now past due on. You guys didnt tell me I owed money - invited me to open an account and put my direct deposit there- and proceeded to take my paycheck and I was unable to feed my XXXX wife or XXXX. And when I submitted a claim last time the citizens bank rep called me once, never returned my multiple phone calls, and never even helped me get a payment plan so now they took even more money. You guys are crooks. I will make sure to file surveys and complaints for the rest of my life so people now how unfair, deceptive, and abusive you people are to XXXX families who have been affected by covid. You should be ashamed of yourselves. Also every single representative I talked to from customer service to charge off/collections is very very rude. You guys are thieves.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: during the pandemic, i fell behind on several car payments but eventually i paid them. this was due to a reduction in hours plus my wife losing her job so i had to compensate for other expenses that my wife used to cover before unemployment. i understand there were programs that benefit and protect people against late payment remarks on their credit score however i was never offered any, i even paid off the car loan in full way before the estimated 6 year financed loan and they denied me goodwill letters several times nor were they willing to correct a few lat payments with me paying off the full balance ahead of time.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In late XXXX of this year ( XXXX ) XXXX transferred a number of accounts to Citizens bank. Previous to the transfer to Citizens bank I had an XXXX credit card. In XXXX, I noticed XXXX fraudulent charges on my XXXX credit card which I immediately highlighted with XXXX for concern. The first charge was placed on XX/XX/XXXX for {$98.00} from a business called XXXX. The second charge was placed on XX/XX/XXXX for {$2.00} from a business called XXXX. Neither of these charges were placed by me. I have never heard of this business. Despite reporting these charges on the same day I received notice of these reports on separate days. ( If necessary I can share copies of the confirmation documents for these disputes ). In XXXX, I finally received notice of the confirmed unauthorized use of my card from XXXX ( sent out on XX/XX/XXXX ) and the cancellation of said card. In the associated call with XXXX I was told the charges would be canceled and I should use the Citizens card as my new credit card. ( I can also share a copy of this notice if that's helpful ). In late XXXX, following the transfer I activated my new Citizens Bank card. Upon using it for coffee in early XXXX, I went online to check my account and I saw an extra {$100.00} in charges. I subsequently called Citizens Bank on XX/XX/XXXX to alert them of the issue. I was told the issue would be escalated and I would receive a call back in the next 7 days. On XX/XX/XXXX I decided to send Citizens Bank the documents I mentioned above. On XX/XX/XXXX, having received no calls back, I followed up about this issue and was informed that the issue was further delayed because " CItizens Bank mail had been returned to them '' so they would need to reissue my card. ( I have no idea how this is possible because so much Citizens Bank mail arrived just fine and they sent the new card to the same address ). On XX/XX/XXXX, having still heard nothing, I tweeted about the issue which led to a conversation in direct messages with a Citizens Bank staff member, and I received a message that the issue was " being escalated. '' On XX/XX/XXXX I received a call that the " XXXX 's XXXX '' would begin " researching the issue. '' The fraudulent charges remain on my card and my online account will require payment of these fraudulent charges by XX/XX/XXXX.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for an increase in the {$600.00} limit on my Citizens Credit Card. The Citizens denial letter listed the reason for denial as : " Due to your recent credit line increase on your account. '' I called and learned this reason was NOT TRUE! The real reason was a " Bureau Score Reason '', i.e. " XXXX payments due on account ''. I told the Citizens agent that I had over {$100000.00} invested with Citizens and had a four-month issue with XXXXXXXX XXXX that I have been challenging but have been unable to receive any acknowledgement from XXXX XXXX . I run the XXXX XXXX XXXX XXXX XXXX and help people XXXX XXXX. They tend to have no credit. In trying to help someone establish credit, I registered with a XXXX XXXX cashier for XXXX XXXX credit card. I stipulated that the limit would not exceed {$1000.00}. The cashier agree and said absolutely the limit would not exceed {$1000.00}. The person for whom I was establishing credit, was present and is willing to testify to everything I've mentioned. After receiving the XXXX XXXX CC and the person started using it, I learned that not only had XXXXXXXX XXXX unilaterally increased the limit but even allowed charges exceeding their unilaterally increased limit. I have written and used email to communicate with XXXXXXXX XXXX ( including their XXXX XXXX XXXX XXXX ). They mailed me a 12-pagXXXX credit card agreement document which they claimed was the binding contract. Until receiving this document I never saw it nor was it ever referenced during my contact with the XXXXXXXX XXXX cashier. I maintain the original " binding '' contract between me and XXXX XXXX is the agreement reached with the XXXX XXXX rep. ( i.e. their cashier ). XXXXXXXX XXXX apparently ignores this binding contract. I continue to communicate with them in an effort to deal with the truth of what happened. So far they have continued to ignore the truth and instead rely on a fictional reality that I was given their credit card agreement document when dealing with their cashier, but again this is not the case.
Company Response:
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Citizens Bank solicited me to apply for a credit card with zero percent interest in balance transfers for a specified time. I applied and indicated the dollar amount as to how much of a balance transfer I wanted and indicated the credit card company and account number as to where the balance would be transferred. Eventually Citizens Bank contacted me and transferred money to my existing credit card for the balance transfer. The problem is that they didnt give me a large credit line which is their prerogative but without my permission they transferred most of the dollar amount of the credit line to my existing credit card company. This means they maxed out my credit card. A maxed out credit card reduces ones XXXX score a lot. I called Citizens Bank and asked them to increase my credit line enough to increase my XXXX score which they wouldnt do. I then asked them to reverse some of the money they transferred to my existing credit card which they refused to do also. The upshot is my XXXX score is reduced through no fault of my own. Citizens Bank should have never maxed out the credit card they issued to me without my permission.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Someone has my social security number and my email and tried to open a bank account in my name
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A