Date Received: 2022-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Was solicited by citizens bank to open a checking and savings account. Finally did this early XXXX with help from a teller. And with the promise of a {$600.00} signup bonus. This is the first sign they weren't willing to pay this because the monies should have been in my account by XXXX according to their own schedule on their paperwork. They weren't. So late XXXX I contacted them and was told they would send something to the marketing department. Finally by XXXX is when they deposited {$300.00} into my checking account. I inquired about the other {$300.00} and was told it was because I had done the checking account deposit requirement in 2 increments. I pointed out to that no where in their own paperwork Does it say it has to be in one deposit. I have contacted the CEO as well as the CEO of marketing. I haven't heard back from either.
Company Response:
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: on XX/XX/22 I reached out to this company as my final attempt to pay a debt owed. I was given this loan on a basis where my income could not meet the payback terms. I feel this is creditor abuse and I should have been denied this loan. I reached them to settle for 10 % of what I owe, if not I would file bankrupcy and they would receive 0 . I kept getting passed around as the company did not know how to assist me. I have yet to hear back from them.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received a letter, on XX/XX/XXXX, from XXXX online banking ( XXXX XXXX XXXX, XXXX, NY XXXX ), that my account was closed on XX/XX/XXXX ( See attachment ) and the funds transferred to Citizens bank. I did not authorize the transfer nor was I given any advanced notice of the pending transfer. I was getting .XXXX interest and, with Citizens, I only receive XXXX interest. When I attempted to close the account online, via a funds transfer, I received an error message stating that it could not be made because the transfer exceed the maximum amount. I then contacted Citizens ( Main office - XXXX XXXX Bank XXXX, XXXX, XXXX, RI XXXX - customer service t ( XXXX ) XXXX ( XXXX XXXX XXXX, Branch manager ) and was told that there is a transfer limit of {$10000.00} per day ... Or, if I did not want to make DAILY TRANSFERS of {$10000.00} until I reach a zero balance, OR I could go to a local branch ( A FOUR-hour drive ) to close the account. I explained that I did not open the account at their bank and, therefore, I did not agree to any of their limits on transfers. His answer : " Sorry for the inconvenience. You also can send a Notarized letter to the bank and ask to close the account which would take up to 10 days to process. We will then mail you a check as soon as your signature is verified. ''
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Emails, even as essential as those with statements, from this credit card company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options. After complaints via public boards, only things I heard are PR statements such as reference to their privacy statements and ultimatum about unwillingness to remove secretive trackers. Additionally, the company does not honor do-not-call requests.
Company Response:
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was told by Citizens Bank that a loan modification was granted to me and my husband on XX/XX/XXXX. I received the loan modification offer via mail on XX/XX/XXXX. I reached out to Citizens Bank to get more information, but Citizens Bank was not clear to me on what I had to do. I decided to wait until Citizens Bank communicated with me. On XX/XX/XXXX I called citizens Bank to see what was the status on my loan modification offer because the offer I received back in XXXX stated the offer expires XX/XX/XXXX. The customer rep I spoke to at Citizens Bank on XX/XX/XXXX told me they sent the paperwork that needed to be signed, to a notary in my area and that the notary was supposed to call us to come in and sign it..I told the customer rep we never heard from any notary regarding this. So I asked the customer Service rep at Citizens Bank to send us the paperwork and my husband and I will go to a notary and have it signed. She agreed and ordered the paperwork to be sent to us and said we would receive the paperwork in 2-4 business days, via XXXX. When I did not receive the paperwork I called Citizens Bank 4 more times and got a different response as to how long the modification paperwork would get to us. The last person I spoke to at Citizens Bank said we will have the paperwork within two weeks. I t is now over 2 weeks and we still have not received it. I am submitting this complaint because we need your help in getting this taken care of. We are past the XX/XX/XXXX deadline for this modification offer. Also, the last rep at Citizens Bank told us they will only foreclose if we did not agree to the loan modification. My husband and I desperately need this loan modification to happen as we don't want to lose our home. With this loan modification we won't have to pay in arrears and the new monthly mortgage payment is manageable. If you need any more information please contact me at XXXX or email me at XXXX. Attached is the loan modification offer we received from Citizens Bank on XX/XX/XXXX.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They reverse my overdraft fees than double charged me for the same overdraft fee again the next day
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX an my wife 's name is XXXX. Back in XX/XX/2002 we had taken out a small 2nd mortgage with XXXX XXXX XXXX in the amount of {$28000.00}. On the same date XXXX XXXX Assigned this mortgage to XXXX XXXX, XXXX XXXX, PA We refinanced this mortgage on XX/XX/2002 with XXXXXXXX XXXX XXXX XXXX. We have paper work that shows that XXXX paid off the XXXX XXXX loan on this date. The problem is that XXXX XXXX never filed the Satisfaction paper work with the XXXX XXXX XXXX Pennsylvania Recorder of deeds office. We now have applied for an Equity loan for repairs to our house now and have been denied because this loan satisfaction was never filed by XXXX XXXX XXXX I contacted Citizens Bank over 45 days ago and was informed that this process would take up to 45 days to complete this task. To date I have not been contacted that this matter has been taken care of or that the Recorder of Deeds office in XXXX XXXX has been issued a satisfaction statement. Every time I contact Citizen 's bank I keep getting a different story. We need to get a satisfaction letter to the XXXX XXXX recorder of deeds so we can proceed with a much needed current loan wiht which we have applied for with a different bank. Attached are the recorded paper work the recorder of deeds has in regards to the initial loan with XXXX Mortgage and the assignment that occurred on the same date on XX/XX/2002. Also attached is documentation I obtained from XXXX XXXX XXXX showing that the XXXX XXXX was paid off on XXXX, XXXX, XXXX in the amount of {$28000.00}.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We had a XXXX XXXX XXXX with Citizens Bank, I had tried to payoff the balance of {$460.00} online and it did not appear to go through. On XX/XX/22 I went to the branch and asked if they see that an online payment is coming through, they said no. I asked for the payoff amount and gave them a check for that amount of {$530.00}. On XX/XX/22 {$460.00} was then deducted from my account. I called right away and was told they don't see it, but supposedly put in a cancel. I called again about a week later and was told oh they have it and was just sitting there. A few days later I called back and was told about 10 days ago that they were sending it to me via fed ex. As of Friday XX/XX/22 I had not received the fed ex. I called and no one called back. I called again today and continue to get a run around. I suggested that I just come to the bank and pick up the refund, no they can't do that said XXXX they alleged branch manager. Who has been giving me the runaround. I just want a refund of the overpaid amount and I want them to stop lying about where it is, since they still have it and my loan is paid in full since XX/XX/22. And I have yet to receive my documents stating that the loan is paid in full.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am having checking accounts opening in my name that I have not opened. Someone is opening different accounts utilizing my personal information. Ive had a XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Citizens bank. I keep calling and closing account.
Company Response:
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have had an account with XXXX in the US for decades. I opened an account with them because I also have a XXXX XXXX account, and I was able to move money from the US, where I am paid, to XXXX, where I live. My husband is a XXXX, working for the XXXX XXXX XXXX, and so we move around constantly. I earn money as an author and my publisher is in XXXX. All of this changed when XXXX XXXX decided - without my permission- to move my accounts ( both checking and savings ) to Citizens Bank. This change occurred XX/XX/XXXX. Because I have been traveling since XXXX, I never received the debit card or any information about my new account. So I have been stuck traveling with no access to my money. I rang XXXX XXXX in XXXX to ask when was the last day I could use my XXXX debit card, as I needed to know when it would stop working. They insisted they did not know the date it would stop working or when it would be sent to Citizens. I asked XXXX why they were moving my account ( I still have my XXXX XXXX account ) and they said they were only keeping their international customers. Well, I have been an international customer since I left the US in XXXX. The XXXX XXXX was unable to answer any of my questions. My husband finally received the Citizens letter in XXXX ( where we are currently posted ) and scanned and emailed the information to me in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). But when I tried to enroll in online banking so I could access my accounts and pay bills, the site refused to allow me to enroll without a US phone number. So I rang Citizens, was on hold for more than an hour, and then talked at length with two representatives who told me there is no way I can possibly access my online accounts. I was stunned. Citizens representatives, including a manager - who insisted he had no boss above him- just told me that I can not access any of my accounts online. These reps told me that I have to have a US phone number. I said I do not live in the US. ( I have a US chip that I use only when in the US, but I have lived outside of the US since XXXX, and thus almost never use a US number ). I need my three international numbers on my accounts so I can access them. The representative and manager refused to change my number on the bank 's system, saying it was impossible. They can not add an international number. The manager insisted it was impossible for me to access my own money, and seemed surprised that this caused serious problems for me. Neither of them gave me any solution to how I could access my money. I am panicked I am that I can no longer access my money. I have bills to pay. Today. XXXX XXXX bills, credit card bills, and all manner of other bills. I need to preserve my credit rating. I need to access my accounts online. But I do not live in the US nor am I likely to ever live there again. I asked the manager of Citizens for an email address of someone I could write to who might have the power to come up with a solution. He said that the bank had no email addresses, at which point I lost it and said, " You're a bank. You email each other all day long. You can find me an email address. '' Finally he gave me the address for the Office of the Chairman. On XX/XX/XXXX, I sent a letter to the Office of the Chairman, outlining the problem and asking for solutions. It was answered by XXXX XXXX XXXX. Whose phone number is : XXXX. She said I could ring her. I don't have international calling on my mobile as I usually use XXXX so I asked if we could do that, or XXXX, or anything that is free. She didn't reply to that. Finally she wrote to me again and said that I needed to close my accounts at Citizens, because they can not have international clients. So I have rung a half dozen banks with international branches, and none of them would allow me to open an account from abroad, and none would allow me to transfer money for free between US and XXXX accounts, as XXXX did before they sold my account. So finally I opened a XXXX account, because XXXX allows me to transfer money from country to country for a low fee and in the various currencies I need. So I sent my XXXX account information to XXXX XXXX and asked her to please transfer all of the money in my Citizens account into my XXXX account. I will sign whatever form she needs and get it back to her. She replied that she could not do this. She said I had to get a bank to officially request a debit from Citizens, which of course XXXX does not do. And I can't get a US bank to take me anyway. So Citizens is still holding my money XXXX - for a month now. I can not pay any bills. I have credit card payments that are now overdue and I am worried about my credit rating. I also am without money in XXXX, and unable to access the only money I have in the US. I need money for food, for my XXXX XXXX I am feeling quite desperate. And no one at Citizens will give me a solution that actually works. They have no understanding of my banking needs and I am furious I was forced into a domestic bank that is so ignorant of the rest of the world. Please, please help me access my money at Citizens. I have two accounts there, checking and savings. I fail to understand why XXXX would send its international clients to Citizens, a bank representatives inform me is only a domestic bank, incapable even of allowing customers with foreign phone numbers access their money. How could I have been sent to such a parochial bank? My XXXX account was linked to my XXXX XXXX account, and I was able to easily move money back and forth between countries. I would be so grateful for any help. You would only allow me to make a complaint against one of these banks, but I also please want to complain about XXXX XXXX.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A