Date Received: 2022-02-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Citizens recently acquired part of XXXX. I have tried multiple times to call and have them close my account. Account times are either very long ( an hour plus ) or they point me to XXXX. I want all Citizens accounts closed. Additionally they sent checks and a debit card to different addresses exposing me to potential fraud.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem when making payments
Subissue:
Consumer Complaint: My loan started XX/XX/XXXX with first monthly payment of {$49.00} due XX/XX/XXXX. That Automatic payment was deducted from my checking account XX/XX/XXXX ( # XXXX ), XX/XX/XXXX the second {$49.00} payment was deducted from my account as agreed ( # XXXX ), XX/XX/XXXX the third payment of {$49.00} ( # XXXX ) was deducted as agreed. BUT on XX/XX/XXXX a {$600.00} payment was deducted from one of my accounts. I have no idea why or how and had the bank reverse it. In XX/XX/XXXX, instead of deducting the contract agreed amount of {$49.00} from my account, you tried to deduct {$640.00} which the bank reversed. From then on, this account has been a mess. I had my bank send a check for {$120.00} ( check XXXX ) that cleared my bank on XX/XX/XXXX which should show me ahead on my payments, yet you show I am still behind PLUS when I have tried to talk to someone about this in your customer service department, I am told I am past due. I also see that instead of the AGREED per our contract of 0 % for 12 months and 29.99 % for the remaining 12 months. You are showing, per a conversation with one of your customer service people. That my account is now at 29.99 % before the XX/XX/XXXX date on the contract and all my statements. Nobody in the customer service could explain why all this has happened nor will they clear up my account. I am sending what I believe is the payoff amount, original loan minus payments made. I do want to clean this up and get rid of this albatross around my neck.
Company Response:
State: NE
Zip: 68901
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Citizens bank has been charging outrageous overdraft fees. The fees are so much that I can never get ahead and when my paycheck gets directly deposited I have no money. They will charge {$37.00} for each overdraft. And additional {$30.00} each day you are negative. And, if they return a payment to a creditor they charge you another {$37.00} for each transaction. Other banks give you more time to satisfy your account without all of these crazy fees. Citizens now gives you one day to credit your account " peace of mind fee '' which is not. Because you not only have to pay the overdraft on your account you have to pay all of the overdraft fees as well. It just isn't fair and they make so much money off of people having money troubles, especially with the pandemic. I contacted them on XX/XX/XXXX and asked that they freeze or close my account, because I am still getting charged a lot of fees ; due to my returned payments to creditors being resubmitted which again causes {$37.00} for overdraft and additional {$37.00} to return ; it's like a never ending cycle. I was told by the bank that they can not freeze or close my account until it has a zero balance. I told them I was concerned about more fees being charged to my account that is now out of my control ; and I was told there was nothing I could do until I brought my account positive. I can not do this ; I now owe over {$1000.00}, if I wasn't charged all of these fees to begin with my creditors would have been paid. The other thing they do is you look at your account one evening to make sure everything is paid ; then the next morning I find things posted over night and overdraft fees charged ; when I thought my account was okay. This is a never ending cycle, I can not get out from under this and I have no money to live on. I have a disabled daughter who may need to have surgery very soon and I have no money to take her to her appointment which is over 3 hours away. I begged and pleaded with the bank and they didn't help at all. I am hoping someone can please help me. My account number is : XXXX, XXXX XXXX XXXX XX/XX/1969 ; last 4 ssn XXXX. I would like all of these fees be returned to my account and then close my account. I am done banking with this bank ; I have been charged thousands of fees and they are making so much money off of me ; and now I am behind on my bills as well. Thank you, XXXX XXXX PS you will most likely receive something from the Federal Reserve Consumer Help Center, because I filled my complaint with wrong bureau and they told me they would forward my complaint to your office.
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: That the complainant took a loan from the citizen bank for purchasing the car XXXX XXXX XXXX, ( XXXX XXXX ) in XX/XX/XXXX amount round 19000.00 $ as living in XXXX XXXX NewYork zip code XXXX, .The complainant as were working in XXXX XXXX XXXX XX/XX/XXXX had been paying the installment on autopay to the said Bank .So due to Covid-19, in XX/XX/XXXX the complainant were constrained to left the job.As earlier to this like in XXXX, the complainant came to know by media and others people about the relaxation of loans installment by the government but even though the complainant had been given the installment monthly on time up to like XXXX or XXXX XXXX even having there was no job .so its correct i remained failed to pay the installments for like 2 or three months and complainant was very comfortable that if i had not money the bank will not disturb the complainant because the Government has relaxed about all these, meanwhile the complainant due to having no money left the rented home and moved to relative home in XXXX room .It will not be out of place to mention that the complainant was not seeking any single penny support from the government and were living with nurturing minor son. that the complainant one day of XXXX XXXX became wonder struck as i came to know there is no car outside my living place/home.The complainant having little bit doubt on the said bank, only just for appeasement of mind called the bank customer care and they informed me about that the car has been picked and is in possession of the bank due to unpaid the installments .on asking what about repossession i were informed XXXX like installments and with other dues total XXXX $ having threatened with that otherwise after 15 days car will be put in auction.i took a loan from someone else i paid the huge amount and succeeded to took back the car with lot of rounds of the offices with my relatives when no body was reddy to come out side by thousands deaths in XXXX due to inhuman conduct of the bank .Since then, finally, in XXXX up till today complainant paying all installment on time .In XXXX, when the complainant came out side to do the job and started to take the apartment, none was ready to give the apartment on rent due to the lower of the credit score .As complainant check the credit score companies the informed due to the citizen bank your credit score has went down .because they have put your account under charged and that is still under charged .i called the citizen bank about why they have put my name under charged even i have paid all installments with all expenditures which u put on me for picking/grabbing up the car and since then i am paying all installments timely, so i requested to wipe of the name of the complainant from charged because my credit score went down .They flatly refused to do that, and responded it will be done only after paying all installments. on this i asked him to let me know the total remaining principal amount i am ready to pay.the complainant was constrained to do that because no body was ready to give the single bed apartment on rent to live .On this request the bank responded they can not do .If complainant want to clear it, the complainant have to pay full installments. that on this happening the complainant tried her best to reach to the high ups of the bank but could not .That there was no any mailing /physical address of the bank head office on any web site. only mentioned-XXXX XXXXcomplainant is unable to find out the address of the head office from the website even doing with very hectic strives, all the things are available but no physical /mailing address available on the web site .After hard tries i could find out the emails of the head office on their autobiography, and the complainant sent the emails regarding my issue but unfortunately none and nothing yet .Only customer service is available and they are not ready to do any thing, they are just with one answer that have to pay all installments if in want to wipe out my name from the charged .i requested to send my all account statement but the concerned not ready to do that .even there is no option to agitate grievience before any higher authority in the banks hierarchy. complainant very much punished after not giving the three installment in Covid-19 calamity .Its too much with me .Please forgive to me. complainant beg pardon from these all institutions. and i also neet to put the meditation of the authority concerned that the government ordered that if someone could not pay any loaning amount in the Covid-19 calamity, it will not effect the credit score .Is anyone can resolve this issue and ask the quest to the credit score Bureau . Can the bank be asked to mention the mailing addresses of the head offices on their websites clearly.? can the bank be asked to use on the rampant dictatorial authorities so ruthlessly .Can lender be allowed to dragged the hapless and destitute public by so misdemeanor in calamities where Government is announcing lot of relief packages. prayer its humbly prayed, the name of the complainant be wiped out from the charged put on by the citizen bank and the drastic action be taken against the concerned citizen bank. it is further prayed the credit score operator agency may kindly be ordered, having review the case in the eyes of covid calamity, the credit score be restored on the level before the covid 19.
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Citizens opened an account and sent a debit card and checkbooks without my authorization. - I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. - I closed both my checking and savings account with XXXX on XX/XX/XXXX. - The XXXX representatives have told me several times that my accounts are closed, and that my accounts are not transferred to Citizens bank - Yet, I received a credit card and a debit card from Citizensbank by mail in XX/XX/XXXX. Citizens noted in its mails to me that I can communicate with them only after certain dates in XX/XX/XXXX.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: - I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. - I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank XXXX The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXXXXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. - When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. - I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: - I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. - I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank . The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. - When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. - I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citizens Bank has lost money in my business account due to negligence. The location of the money is unknown by the bank and no answers are provided as to when they will find it. XX/XX/2022 - a transfer was executed by my company in the amount of {$5000.00} and a separate transaction of {$1400.00} to another bank. XX/XX/2022 - bank emailed my business and explain the transaction was halted, and to call customer service. Upon calling customer service the operator told me the transaction was stopped and would have to be reversed. XX/XX/XXXX & XXXX - The stopped transfer moneys have yet to be returned and I have contacted customer service at Citizens. No one at customer service can tell me where the money is and they have no record of it being stopped or returned. The bank the transfer was to go to has not seen the moneys in their queue.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is an update of XXXX, previously filed. The Citizen 's Bank does service this loan, they have the name wrong, XXXX XXXX is the Mortgagee, not XXXX, they do take payments at the XXXX XXXX, Va. address and their corporate address is XXXX, R.I. They continue to send incorrect information regarding insurance payouts from escrow that never took place. They are now asking for a " shortage '' payment which is incorrect. I am attaching my latest letter to them, please reopen the complaint or forward it to other banking compliance regulators.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened a bank account using my name, address and SS number. It was with Citizens Bank. I got a letter saying I was overdrawn {$18.00} but I do not have a account with Citizens Bank. I called them and they put a freeze on the account but I want whomever did this to be found. The case number that Citizens Bank gave me is XXXX. I think my brother might be behind this ... .. His name is XXXX XXXX XXXX XXXX age XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A