Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I upgraded my XXXX through the XXXX XXXX XXXX offered by Citizens Bank a few times over the past year. It is my experience that opening a new XXXX XXXX XXXX loan would result in a soft credit inquiry, which provides Citizens Bank access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of Citizens Bank that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my XXXX credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my XXXX credit report ( and other credit bureaus if any were affected. )
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Had a car loan taken in my name when I was Married Car was going to be her responsibility when we went to court later found car had been repo. Back in 2016 Ive asked for it to be taken off my report. Plus with the age it should be anyways. And there marking missed payments even tho its been since 2016 since payments been made and since XXXX when I bought it. Never got papers from this company to saying I could buy it back and thats against the law never got papers showing what the car actually sold for to and thats against the law. It needs to be removed from my report. Plus the missed payments needs to be removed from being on there every month
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX under a promotion - 5 % back on up {$6000.00} in purchases. Two statement periods later and the bonus cashback still hasn't been applied to my account ( the base is 1.8 %, the bonus is an additional 3.2 % ). I last called on XX/XX/XXXX, and was told the bonus was on queue and would be on my account " soon '', but that this would be " escalated ''. I attempted to call again today ( XX/XX/XXXX ), but the hours on their website are invalid, and I was not able to speak to the company directly. Citizens Bank is not honoring the advertised promotion.
Company Response:
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: account was closed in XX/XX/XXXX there was an automatic payment attempt so there was a {$35.00} fee. the next month additional fees were applied until they sent me a bill for {$130.00} dated XX/XX/XXXXXXXX. First time i even was informed there were monies owed! I called Citizens bank XXXX unit and they told me these were just fees and they should be removed. But i would have to go speak to the branch manager. I went to see the branch manager and she basically told me I'm a deadbeat and i would have to pay this.My questions are this why did citizens wait 3 months to inform me i owed this? Why would citizens bank keep chaging interest and late fees on a closed account? And why wait until these fees are {$130.00}?
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I ordered an XXXX XXXX XXXX XXXX XXXX through XXXX XXXX with financing from Citizens Bank. Order was placed on XXXX the XXXX, item set to arrive on the XXXX, then I got a notification of a delay and availability for the XXXX. The order said I had until the XXXX for pickup. When I went to go pick it up after waiting over an HR it was made known that my product wasn't there. I emailed the manager 3 times with no response. Called customer service multiple times, corporate, XXXX XXXX forums, XXXX XXXX XXXX as well as going to XXXX physical stores multiple times to speak to a manager. XXXX XXXX XXXX was never available. Manager at XXXX XXXX hasn't been at the store for XXXX months as I have visited multiple times hearing different excuses. Then visited another store in XXXX with a XXXX which was also no help. After exhausting my resources I called Citizens Bank. I explained what happened and what my options were which I was told they aren't responsible for supplying consoles and that I could just close the account since my efforts were leading nowhere. Days later I applied for a credit card and my credit line originally offered was reduced. It was because I received a deragatory remark from Citizens Bank with remark stating " paid by dealer ''. I called Citizens Bank and they said they'd repair it and after another 8 contact attempts with them not relieving the problem I asked to speak to, '' XXXX '' the manager. XXXX offered no assistance and gave me attitude unnecessarily. I contacted XXXX and XXXX and challenged the damaged credit from Citizens Bank. I have attempted 5 disputes with XXXX getting denied each time. I have sent a demand letter to XXXX Bank with no response as well. Citizens Bank mandates what everyone knows as corrupt when it comes to arbitration. It took me years to build my credit and I have now taken a hit unnecessarily at no fault of my own and a creditor for a new card lowered my credit availability by thousands of dollars as well.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I completed my modification in XX/XX/2021 and started making my payments XXXX of 2021. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective XXXX and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: his is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. Here 's what the original complaint stated. The consumer filed a Balance transfer online with XXXX cards. The amount was for {$7700.00} to be transferred to the consumer 's Citizens Bank account. However, the consumer accidentally gave them the wrong account number. The consumer had two accounts and that one was closed. Citizens then sent back the funds to XXXX through a check in the mail on XXXX XXXX. The check was cashed/deposited on XXXX XXXXXXXX XXXX. The consumer has a copy of this check from Citizens. XXXX says they never cashed it but Citizens Bank says they did. Almost one year later and the consumer can't get it fixed. XXXX has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # XXXX
Company Response:
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I completed my modification in XX/XX/2021 and started making my payments may of XXXX. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective may and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I logged onto my online banking account to view my mortgage that I have with Citizens Bank. I followed the link on their site that directs customers who have been impacted by the Covid-19 pandemic to request a mortgage forbearance. I created a profile on the XXXX XXXX XXXX and submitted a Request for Assistance ( RFA ) on the same day. I was under the impression that I would be receiving communication within a week or so regarding next steps. I never received that, but reached out via online banking messaging near the end of XXXX to validate that I was enrolled in the forbearance plan ( I am currently unable to provide. Via a message response, I was instructed to contact loss mitigation at XXXX. I waited until XXXX to see if my autopayment was stopped, as in forbearance, that would be the case. However, the payment was debited, I called XXXX XXXX on XX/XX/XXXX at XXXX EST and spoke to a representative who stated she had no record of my RFA. At that point, she said she would enroll me at that time, but that I should cancel my auto-debit just to be safe. Another XXXX months went by, and having stopped auto-payment, I thought everything was finally set up appropriately. Then, I received a bill stating my account was delinquent and that I was responsible for paying the last XXXX months payments ( plus late fees ) immediately. I wrote back in via online messaging, and inquired as to whether this was just a formality that all homeowners receive while in forbearance. The response I received was that there was, once again, no record of me being in forbearance. I responded by giving them the details I have since provided in this complaint. On XX/XX/XXXX, I received a reply stating the appropriate code was used and it is unclear why the forbearance plan did not initiate. I was informed at this point that the code has been set again and a ticket has been submitted to the System Administrator to research the issue and provide guidance to get the forbearance plan initiated. They stated the would reach out by email to provide an update. I have not received such an email, but have been receiving almost daily solicitation calls from what appears to be a Citizens number XXXX. When searching this number online, I saw nothing but complaints, so I determined to wait for the email response I was promised. Additionally, this number never left a VM until the day of this writing, XX/XX/XXXX. Another month went by and there had been no email communication from XXXX XXXX, so once again I believed the issue resolved. I sent a message online stating I would like to extend the plan for more time, but was told I would have to call XXXX XXXX to do that. I called XXXX XXXX at XXXX EST on XX/XX/XXXX and was once again told that my account had never been put into forbearance! The man on the call stated he would need to put it in manually ( not sure what that meant ). I asked for verification of some sort be provided to me but he stated he could not do that and instead requested I call back in a few days to validate. It appears the number I received today, XXXX, which seems to be legitimate. However, at this point, I would prefer this to be resolved without me involved because there has been entirely too much stress, unprofessionalism, and miscommunication for me to effectively communicate to the parties involved.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied an extension of credit by CITIZENS BANK. On XX/XX/2022 I submitted a credit card application and was sent an Adverse Action notice from CITIZENS BANK on XX/XX/2022. The letter from CITIZENS BANK is proof and evidence that I have been discriminated against. CITIZENS BANK has violated my federally protected consumer rights.
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A