Date Received: 2023-11-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened a fraud claim on XX/XX/2023. For the amount of XXXX. I had instructed the countless representatives that I had tried to get in contact with the service provider and they told me that they would not give me anything back. I contacted Citizens bank and disputed the charges and let them know what happened and also that I found that my phone was stolen and XXXX payments were made without my knowledge or consent ; so I disputed those as well. Ive waited for XXXX weeks and the bank closed my claim because they said I needed to reach out to XXXX XXXX and XXXX directly, but I had already instructed the representatives probably 5 or 6 times previously that I had done my due diligence several times, and no one would speak to me and no one would return my money. But I did reach out to them already and they kept advising me to contact my bank. I left numerous notes with the bank and they just cast me to the side and the supervisor told me to go to small claims court. But the whole thing is I cant get ahold of the merchant so small claims court is not an option and I cant locate them. And the representatives I spoke with did not listen to me and I was told that whoever filed my claim previously had disputed other transactions like direct deposits and other things that I did not tell them to dispute. That just shows me that the bank did not do right by me and did not care that I am struggling and did not listen to me.
Company Response:
State: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I tried to edposit a check on XX/XX/XXXX, but after a while ( XX/XX/XXXX ) the bank said it was returned. The return reason was : Refer to maker. In the same day I called the check issuer, Citizens Bank, to check what happened, but they said they could not provide me with this information.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the late payment entries on my credit report associated with my account XXXX. I appreciate your attention to this matter and request that you investigate the reporting of these late payments. CITIZENS ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or CITIZENS ONE customer service representative. I kindly request that you conduct a thorough investigation into the reporting of the late payments and update my credit report accordingly. If the investigation confirms that the late payments were reported in error, I request that you promptly submit the necessary corrections to the credit reporting agencies. Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the reporting errors.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: In XX/XX/2023 a checking and a savings account were opened in my name at Citizens Bank. The accounts end in XXXX and XXXX. Both accounts have been closed at my request.
Company Response:
State: CT
Zip: 06484
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX 's bank issued XXXX credit cards to e and my husband with XXXX different numbers. My complaint is related to my card. It appears there were issues related to payments on those cards and some confusion when payments made to my account were credited to my husband 's account which had no balance. In the beginning of XXXX I visited the local branch, talked to the customer service representative who told me that the problem would be resolved within XXXX to XXXX days. Then I received a statement due on XX/XX/XXXX, with a balance that included {$320.00} of interest. It was to that particular statement that I visited the branch and got assurances that the problem would be resolved. Then I made instructions on line to pay the remaining balance ( i.e., balance of {$750.00} less XXXX, less {$12.00} credited to my husband 's account = XXXX {$730.00} ) on a due date of XX/XX/2023. That payment recorded under confirmation # XXXX was not deducted on that particular date ( i.e., yesterday, Tuesday ).
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citizens Bank NA ran my credit on XX/XX/. I have tried multiple times to reach customer service but you can not get through without providing an account number. I am NOT a customer of Citizens Bank, did not perform any credit transactions with them, don't have an account or bank account with them, they are not underwriting any insurance for me and they have no legitimate business need in connection with me to be running my credit report. As far as I am concerned, this is not allowed by law and I would like a written explanation about why they are running my credit report. Thank you.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I tried logging into my bank today, and got a notification my account was locked. I just opened the account, and deposited a fairly large inheritance check I received. I contacted the bank who informed me that they could not provide me with any information over the phone, and I would receive a letter. This happened XX/XX/2023 2023
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I lived in the XXXX from XXXX to XXXX and while there I opened an account at XXXX XXXX. I kept some money on that account, in case I would return to the XXXX, however, after some time Citizens Bank acquired XXXX operations in the XXXX and I stopped being able to access my funds through any means, including internet banking. This was because I did not have an SSN on record, what was due to the fact that I am a foreign citizen. After contacting Citizens several times, they did not offer a means for me to access my account by online banking and did not allow me to move my funds through a wire transfer. The only option offered was to cash a check in XXXX, the country that I live in, which would in incur in heavy fees and taxes to be paid by me, without any compensation by the bank, which is refusing to allow me to access my own money. I asked for a formal description of what the bank is proposing, but the manager refused to provide it, as well as any transcript of our conversations.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hey, This merchant - XXXX XXXX has first charged me {$1000.00} for my security deposit and then charged me again for {$450.00} as they have access to my Card from the last transaction. I have rent due in a week and this total of {$1400.00} is really needed as they have access to my card and decided to take {$450.00} directly from my bank! I did not try to authorize them to have access to just take money from my account and I was supposed to get the {$1000.00} deposit back! Can I please get this refunded please! It is very urgent. I returned the vehicle in perfect condition and they said I would get my {$1000.00} back. Please help me. Also you can see theb {$1000.00} was held for a couple days and was never returned they charged it like a week later even when they told me verbatim I will be getting the {$1000.00} back! Then they decided to take {$450.00} from the bank account since they have card info! I have rent due soon please help. They literally just took the {$1000.00} I was supposed to get back per their agreement and everything and I need it refunded! There is another case in which they decided to take even {$450.00}. Best, XXXX XXXX
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: That problen is small but the Bank Citizens is bed I try take XXXX the day thursday XX/XX/XXXX but dont ' take XXXX for my Card enroled XXXX is Declaim I have plany many but for rezon the bank decline. I go to online see my acount online and see the bank aplide two time {$9.00} this thay I call a citizens Bank end try to Help and bank say we need to weigth 10 minutes I realy way 40 minuts and hand up the call no XXXX the bank is incredible this happen 5 XXXX we have same problem and today is the las day I call and hapend same I don't no wath I nedd to do Please Help me in this problem This is the XXXX I call XXXX ( XXXX ) XXXX thank you.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A