Date Received: 2022-02-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: so i overdrfted my citizens bank of {$45.00} too my XXXX ..few hours later i refunded the money to the bank... the bank account got closed for fradulent activity band i havent been able to open another bank ever since..whenever i try to open i get the message saying : due to the consumer report information provided your account cant be opened..so ireally dont know what to don..im just hoping you guys can resolve this
Company Response:
State: NY
Zip: 13126
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Have wind and hail policy and the mortgage company is not recognizing that even after my insurance agent sent them proof and this happened last year I they took money from my escrow to buy a 2 week policy even though I had a policy and here we go again
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I need to dispute 4 transactions in my account made with my Debit card. The merchant never sent the items and I tried to reach the bank by phoen many times, nobody answered. So I sent them an email to " XXXX '' and they answer I should call them, but they dont pick up the phone so XXXX forced to submit a complain at CFPB. XXXX ) XX/XX/2021, XXXX {$810.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$84000.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$96000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$97000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased an Elliptical machine from XXXX XXXX on XX/XX/XXXX, with 12 months interest free financing done by Citizens One. Statement shows a charge for XXXX XX/XX/XXXX for {$2300.00}, 0 % APR 12 MO. I never received a paper statement showing when payment was due or who to send monies to. I did receive a email about statements, but it kept trying to have me set up autopay, which I don't do. Because of this, I was late on my 1st payment, but after calling XXXX to get info needed, Imade two payments in XX/XX/XXXX to catch up. All my statements showed " The current rate 0.000 % will end on XX/XX/XXXX ''. I paid {$200.00} a month to pay off the machine. My final payment of {$170.00} was posted and received by Citizens One on XXXX XX/XX/XXXX. However, I did not catch that XXXX had changed the 0 % APR pay off date to XXXX XX/XX/XXXX on the statement dated XXXX XX/XX/XXXX. I have never seen a company change payoff date in 40 years. But XXXX did it. They then were able to charge me interest of {$1.00}, which I paid and have asked for a refund. I am not a lawyer but this appears to be a deceptive practice and should be illegal. I want everyone in USA to know how Citizen One operates, so they do not get caught up in their deceptive practice.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Problem when making payments
Subissue:
Consumer Complaint: Citizens Bank stopped billing auto-payments for my XXXX XXXX XXXX without explanation and I am sure in error, threatened my credit score, yet will not provide a means to fix it. Purchased XXXX at XXXX store using their annual upgrade program. XXXX employee assisted to set up a Citizens Bank loan and auto-payments from my credit card. Auto-payments worked fine through XX/XX/XXXX. Starting XX/XX/XXXX, I received emails ( see attached PDF ) stating my payments failed. There is no reason for it to have failed because I have no issues with my credit card and there have been no changes such as new expiration date. No other payments have done this. The exact language was, We were unable to successfully process the scheduled recurring monthly payment for your XXXX loan XXXX. Please update the payment information on your XXXX loan at appleloan.citizensbank.com, or call us anytime at XXXX. I have tried getting help via the phone number provided in the email and other Citizens Bank customer service numbers but was unable to connect with a person to learn what is wrong. Over 15 calls and no combination of IVR selections lead to a human. ( Regarding this, their web page contact us was misleading in that it implies getting help from people, not limited to an IVR machine with limited choices. ) As suggested by Citizens Bank, I registered web access to the account at Citizens Bank online account and tried to fix it there. I verified the credit card number was correct, per last 4 digits ( redacted in attached PDF ). The buttons to manage the payment always went to a blank page. I verified my browser reader mode and blockers were off. I finally found a page that worked via the menu. I tried to edit the data, updating the blank CVV field but the continue button was gray and would not function. I contacted my credit card company to see whether they could help. They confirmed there is no issue with my card. They confirmed the last payment XX/XX/XXXX was successful. They had no record of any subsequent payment attempt. That contradicts the Citizens Bank record that says an attempt was made on XX/XX/XXXX and declined ( see attached PDF showing transaction declined ).
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Citizens bought part of XXXX and the account was never properly closed. I want the account closed and do not have a help number for citizens
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My XXXX XXXX XXXX accounts were transferred to citizens and it doesnt make sense today in the mail I received XXXX of the same cards wi to different limits when they look the same with XXXX I had both were different XXXX and rewards were different why wouldnt they keep it the same or send me XXXX different card types why the same
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is being serviced by Citizens Bank. I went on forbearance last year during COVID in XX/XX/XXXX. In XXXX of XXXX I requested a deferral agreement following the COVID forbearance and it was approved as of XX/XX/XXXX. I have made monthly payments since XX/XX/XXXX. However, my account is still reporting as in forbearance to the credit bureaus and on my mortgage statements. The payments I make each month are placed in a suspense account and despite calling over 100 times since XXXX to get this resolved, I have been told that this will only be resolved " once the system updates '' and that this is for my own protection. However, the problem is that I am in contract to purchase a home with a deposit in escrow and due to the current forbearance status I am unable to close on the property. If this continues to be an issue for much longer I will lose my deposit, as this property was being used as a bed and breakfast and they have every right to take my deposit due to lost revenue.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: XXXX XXXX XXXX - XXXX Citizens Bank Chain of titles on address XXXX XXXX XXXX XXXX XXXX Pennsylvania ) Deed book 893 PG 190 XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reservations on minerals or oil and gas within this deed chain of titles. Deed book 893 PG 193 XXXX and XXXX XXXX XXXX XXXX and XXXX. No reservations for any minerals or oil and gas Book page 893 PG 194 second paragraph. Chain of titles to deed dated XX/XX/1954 and the record herewith. the said XXXX XXXX and XXXX XXXX, his wife conveyed all of their right, title and interest to and in the tract of the XXXX acres to the said XXXX XXXX XXXX and XXXX XXXX XXXX his wife parties of the first part herein. To have and to hold. On to their heirs and assigns .All right and title in the 39.7 go to XXXX and XXXX . Deed book 1269 PG 263 XXXX and XXXX XXXX To Consolidation coal company On book 1269 PG 264 excepting and reserving. All the minerals all the right title an interest within the XXXX acres deeded into XXXX and XXXX 's estate within this deed. 1 ) 8.9 2 ) 1.613 3 ) 2.65. For chain of title reference Book 1269 page 266 second paragraph Again it references to XXXX and XXXX XXXX giving up all the right and title and interest into the tract of 39.7 acres Deed book 2331 page 046 This is a Deed of Surrender This releases the lease from XXXX XXXX XXXX XXXX and then surrenders a quick claim back to XXXX XXXX XXXX XXXX and her heirs and assigns.Deed book 1862 page 293 A Oil and Gas lease from XXXX XXXX XXXX, widow To The Peoples Natural Gas Deed book 1695 page XXXX XXXX XXXX XXXX to XXXX and XXXX XXXX Book 1695 page 146 third paragraph again so ownership goes into first-party XXXX XXXX XXXX XXXX XXXX title and interest in that 1954 deed book 893 page 190 Mortgage instrument number XXXX Now Citizens Bank XXXX XXXX and XXXX take ownership 100 % of the right title and interest and minerals, land and right of ways out of XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've tried multiple times to have an account on my credit report that doesn't belong to me deleted. My request was ignored despite the fact that I had provided all necessary details. The account will no longer be investigated, I was told. Due to identity fraud, the account is no longer shown on other reports and has been removed.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A