Date Received: 2022-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I deposited a check drawn from Citizens Bank in the amount of XXXX ( from the proceeds of a real estate sale ) an XXXX account. to my checking account in Citizens Bank. The Bank put a hold on the funds for 2 business days and counting. I contacted the bank to ask them to release the funds to no avail. When I deposited the check I was informed by the teller that the funds will be available the next business day. I called yesterday after waiting on hold for 30 minutes I was promised that the funds will be available today. the hold is still there as of this writing.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fake text sent by citizens. I have never done business with them, and don't have a debit card of any kind. This was the message Citizens Alerts : Verify your Debit Card charge of {$53.00} @ XXXX Reply 'Y ' if it was you else visit, XXXX XXXX XXXX citizens XXXX. STOP TO XXXX
Company Response:
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi, my name is XXXX XXXX and I have a mortgage under Citizens One. From when I opened this loan in XX/XX/XXXX to now in XXXX I have been flawless with my payment history and never missed none. On looking at my credit report there was XXXX late payments in XX/XX/XXXX and XX/XX/XXXX which I am 100 % sure I never missed also, I have my mortgage on autopay so this is impossible as to how I was late on my mortgage and never paid my mortgage. I am trying to get my credit fixed up as I am going for another mortgage loan and need this data corrected. Also, I am for certain that there was program going on around the period so these late payments I need cleaned up.
Company Response:
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank closed my checking account on XXXX XXXX.Will not release funds that are in the account.Amount-over {$550.00}.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
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: I went to the bank XXXX XXXX around XXXX to withdraw XXXX and the bank teller i will provide his name but he stole XXXX dollars of it and only gave me XXXX and he admitted that then he told me to come back wen the manager is their 2 weeks later so that the cameras roll enough to where he can't be caught
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My wife and I have 2 savings accounts that were with XXXX. XXXX transferred our accounts over to Citizens Bank. We recently tried transferring {$25000.00} out of our savings account at Citizens Bank to our checking account at XXXX Bank and we were informed by Citizens Bank that we couldn't withdraw funds even though we had a nearly {$60000.00} balance. All of the funds are seasoned... They are payroll deposits that have built up over time- so there were no recent large deposits with holds, etc. When we tried transferring the funds using their online banking feature, we were informed that the cap was {$10000.00} per month. When we called in ( after being transferred over and over again and waiting over a half hour on hold ) we were told that the maximum we could transfer was {$15000.00}. I asked for a supervisor and they told me it would be another 20 minutes on hold. I then asked them to close my accounts and they told me that I needed to have a {$0.00} balance in order to close our accounts. I can't have a {$0.00} balance if I can't withdraw or transfer my funds. All my wife and I want is our money out of this horrible Bank ( that we didn't even choose to do business with in the first place ) and to close our accounts there.
Company Response:
State: IL
Zip: 60175
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have my account transferred from XXXX to Citizen Bank on XX/XX/2022. Just received my statement and there is a dormant fee charge for {$5.00}. In Florida a dormant account consider after XXXX years of inactivity, while I didn't have this account that long at XXXX and only XXXX month at Citizen. Was trying to contact Citizen Bank over the phone, waiting time at least XXXX minutes and a first person I spoke hung up on me. This is unacceptable to steal customer funds under bogus fees.
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: To who it may concern, I was in the citizens bank on XX/XX/2022 approx XXXX in XXXX XXXX by the rotary. I went to make a deposit to my Non Profit account and also to open another business account under the same non profit. This was a simple request that ended up being a complete waste of my time and quite frankly I do believe had I been a XXXX XXXX in a suit this would not have happened. I presented my ID which matched the card with my name and the business name. The staff stated they could not open the account without the correct documentation. The original account was already opened. They had everything they needed. They went on to say that they needed something with my actual name on it but what was in the documents didnt include my name. The paperwork may not have included my name on it as it only requires the board members not the executive director in non profit public documentation. The man then proceeded to call the original bank in XXXX, XXXX where I opened the account. That still wasnt good enough. At that point, highly frustrated, I then provided XXXX letters documenting that I was in fact the executive director of the non profit that had my name on it. He continued to state that he had to call to get verification. At that point he was on hold for over XXXX min. I was in that bank for over an hour. I left, extremely frustrated as none of it made any sense. I was trying to open a second bank account for my business. I have banked with Citizens bank for over XXXX years. I trusted my Non Profit with them. The only thing that I can conclude here is that because I was a person of XXXX, a XXXX and not in XXXX XXXX, there was some assumption that I was not the executive director. I do a lot for the XXXX XXXX community and it is extremely unfortunate that this incident happened. I will not bank with them anymore and will let my other professional colleagues and friends not to either. I will be filing a formal complaint with the department of descrimination and many other sources in regards to this incident. Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Hello. I have a complaint open regarding this XXXX. I was unable to find an area to add new documentation and information and Citizens Bank has escalated the situation. Citizens opened an account in my name after assuring me they would not multiple times in writing and over the phone ( please see the previous complaint and attached correspondences with Citizens ). Since the previous complaint I received an email in response to a certified letter I sent to the Office of the Chairman. XXXX XXXX ' letter assured me they were looking into it and would handle it on XX/XX/XXXX On XX/XX/XXXX, more than a month later, I received MORE checks from them for the account they fraudulently opened. I just wanted this on record that rather than handling their actions, they are escalating it. Since this bank has proven to not be trustworthy, I am copying in all information from the previous complaint so it's very clear that they have it all together in once place. from complaint XXXX I had multiple XXXX accounts XXXX XXXX has changed to a wealth management bank so I received notification that my accounts would be transferred to Citizens Bank. I did not want a Citizens account, so I called Citizens and was told the only way to prevent an account from opening was to fully close my XXXX accounts. I closed my accounts fully with XXXX on XX/XX/XXXX ( receipts attached ). On XX/XX/XXXX I spoke on the phone with Citizens as well as as XXXX messaged with XXXX at Citizens. XX/XX/XXXX I had written confirmation from XXXX via email that an account would not be opened in my name if my XXXX accounts had been closed. They were away of the date I closed my XXXX accounts. On XX/XX/XXXX I received an email about my upcoming account being opened at Citizens. I spent hours on the phone trying to have my info wiped from their database and to get assurance that a Citizens account would not be opened. I spoke with an agent and eventually was able to speak with a manager XXXX on XX/XX/XXXX who refused to remove my email from their database and confirmed multiple times that no account would be opened in my name. She told me that our phone call was being recorded but when I asked for a copy for my records, I was refused. I was given an address for Citizens Office of The Chairman ( with no name attached ) from XXXX and I sent a certified letter on XX/XX/XXXX. I submitted a complaint with the New York State Department of Financial Services on XX/XX/XXXX. They closed the case asking that I submit here instead. This week I have received information that an account has in fact been opened illegally in my name at Citizens after they assured me multiple times that this would not happen. I am attaching photos of the checks and debit card they sent me this week.This company has caused hours of work on my end and between that and the fact that it involves my finances, it has caused a massive amount of stress. Thank you for helping me resolve this.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citizens bank on XX/XX//22. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A