Date Received: 2021-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was getting emails & mail that " Citizens One '' was denying me credit ( XX/XX/2021 & XX/XX/2021 ) I ignored then initially because I thought if I clicked-in they would be the ones trying to steal my info ( I'd never heard of them ). Then XX/XX/2021 I get a email of a bill for XXXX and that I was late paying. So I went back in emails and found another one on XX/XX/2021 that they shipped a XXXX for {$880.00} bill. In between all the " denial of credit '' I never once received a " we opened your credit account '' - just a " past due '' amount weeks later. I called Citizens one on 4 occassions only to be told that I had to get to their dispute department and they'd send a package of credit fraud. On XXXX occasions I was disconnected. I then began getting phone calls everyday about a past due bill. I'd click to receive and always disconnected. I went on " Identy Theft.gov '' and filed a dispute. It said to stop my credit and write them. I put a credit freeze on XX/XX/2021. I wrote to Citizens one on XX/XX/2021 and it was sent back. Finally on XX/XX/2021 I received a call and was able to put in my dispute. I'm waiting on their " credit fraud packet ''. Also, since then I've had 2 banks call and someone was trying to open a credit card. Thank goodness I had the credit freeze. I explained the situation and of course no credit cards went out.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Citizens Bank Statement Date : XX/XX/2021 - XX/XX/202 New Balance {$9500.00} Payment Due Date XX/XX/2021 I paid the above new balance, plus other charges. XXXX credited on XXXX, amount XXXX. On XX/XX/XXXX I paid {$42.00} for one remaining charge. Both payments were on or before the payment due date. On XX/XX/XXXX interest charged of {$77.00}.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone is using my name and social security number to obtain credit and Id like it to be REMOVED and ALL accounts CANCELED ~ Ive had a fraud alert on my credit for over a year and recently updated and there should NOT be any credit extended to anyone w/out contacting me DIRECTLY as indicated on ALL 3 credit bureaus!.. Ive also noticed a womans name ( XXXX XXXX ) w/ a New York XXXX has ALSO engaged in fraudulent activity/behavior using my social security number and credentials and its been Reported to the police where I live!! * please CANCEL ANY & ALL ACCOUNTS, LOANS and/or any other credit extended! * thank You!, XXXX XXXX XXXX ~
Company Response:
State: MA
Zip: 01852
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I gave a {$100.00} deposit using my Citizens XXXX XXXX to go on a cruise to Hawaii with XXXX XXXXXXXX XXXX. On XX/XX/XXXX I paid the balance of {$1600.00} using my Citizens XXXX XXXX to XXXX XXXX XXXX. In XX/XX/XXXX The US Government President Trump gave an order that the elderly and people with XXXX were not allowed to travel due to XXXX. We called XXXX XXXX XXXX and told them there is a government order of no travel for the elderly and people with XXXX. XXXX XXXX XXXX said all they were offering is a future cruise credit and we told them we wanted our money back we were following government orders. XXXX XXXX XXXX said all they were offering is a future cruise credit. In XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX that regulates cruise ships. In XX/XX/XXXX I filed a dispute with Citizens XXXX XXXX against XXXX XXXX XXXX. I disputed the {$1600.00} and the {$100.00} payment. I sent newspaper articles that the airport in Hawaii was quarantining people for XXXX days and the cruise port in Hawaii was closed. In XX/XX/XXXX I received an email from the XXXX XXXX XXXX with XXXX XXXX XXXX saying that I had a contract with them and all they were offering is a future cruise credit. I sent the email from the XXXX XXXX XXXX to the dispute department at Citizens Credit card XX/XX/XXXX. XXXX XXXX XXXX was claiming I had a contract with them and all they were offering is a future cruise credit. XX/XX/XXXX I sent an email to the dispute department at Citizens credit card to cancel the dispute because XXXX XXXX lines said I have a contract with them. In that email I requested Citizens credit card to stop the dispute and return the money to XXXX XXXX XXXX XX/XX/XXXX I spoke with XXXX at the XXXX department of Citizens credit card and told him to stop the dispute that XXXX told the XXXX XXXX XXXX that regulates cruise ships that I had a contract and I didn't want any legal problems. Citizens Credit Card put the {$100.00} charge back on my statement XX/XX/XXXX and the charge of {$1600.00} was put back on my statement XX/XX/XXXX. In XX/XX/XXXX the XXXX XXXX XXXX ordered the cruise ships to return the money to the customers that wanted their money back. XX/XX/XXXX I went to the XXXX XXXX XXXX website and filled out a form requesting my money back. XX/XX/XXXX I filed a complaint online with the BXXXX XXXX XXXX againsXXXX XXXX XXXX XXXX they responded XX/XX/XXXX and XX/XX/XXXX saying that they settled with the financial institution and it's the responsibility of Citizens credit card to return my money. XX/XX/XXXX I received an email from XXXX XXXX XXXX that I won the dispute that I put with Citizens credit card and that Citizens Credit card has to give me my refund. XX/XX/XXXX I spoke with XXXX, a supervisor at XXXX and requested for a call from the dispute department. XX/XX/XXXX XXXX at the dispute department said I would get a call from XXXX the supervisor at the dispute department. XX/XX/XXXX I called and spoke with XXXX and requested a call from the dispute department. XX/XX/XXXX I sent an email to the dispute department of XXXX credit card with the response of XXXX Cruise Lines telling the XXXX XXXX XXXX that XXXX settled the chargeback with Citizens credit card. XX/XX/XXXX I called and spoke with XXXX a supervisor requesting for the dispute department to call me. I haven't received any calls from Citizens credit card and I have XXXX days to respond to the XXXX XXXX XXXX. I want my money back. Citizens XXXX XXXX XXXX XXXX XXXX Citizens XXXX XXXX last XXXX digits XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Case # XXXX
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was the victim of an elaborate internet phishing scam. They gave me a check to deposit to the bank and I took it to the bank and asked the teller and manager to check to see if the check is official. The person who scammed me was posing as an XXXX employee. The tellers said everything was okay and deposited the check. When they asked me to send the money to a third party I realized it was a scam and told the bank that it was. They said they could not do anything until the check bounced and could not protect my account. I filed a police report and contacted XXXX directly about the fraud. They opened their own investigation. Now ; my account was overdraft almost XXXX when the check bounced and I planned on paying the money back once I could, but the bank closed my account. Ive contacted them multiple times about the fraud and theyve said they couldnt do anything and now Ive gotten a letter that my account is closed.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: From the covid- i was in deferment and i been making payments since XX/XX/XXXX but since showing i owe over {$40000.00} which is incorrect. i have called mutiply times, they refuse to assist me, i request to speak to a manager. they refuse to give a manager, i ask for there supervisor, refused me that also. they mention it a few weeks to update my files- it's have been months i have document to back this up. i believe interest has been adding up and they have been adding to the principle
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have submitted a pervious complaint in regards to this matter, now on top of the XXXX they initially took, my account is now overdrawn by {$160.00}. I would like my account to be refunded the overdraft fees they have charged me. this is ridiculous. They continue to charge me overdraft fees, when they are the reason my account is overdraft. This is ridiculous. I am attaching the screenshots of my account to this complaint.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I can not access online banking or phone banking, and can not change any of my settings including paper statement settings. After calling, it was determined that my social security number did not match what Citizens has on file. I was told I needed to fill out a W9 to prove who I am before speaking with them. I can not change paperless settings, or do anything else, before verifying my identity with them. This has been a big hassle and I want my account closed completely since I have never had this many problems with a bank before.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CITIZENS BANK NA ( Account # XXXX ). I have always made my payments on time. For some reason, I realized that there were multiple late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late payment since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account ASAP.c
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021, I was alerted through XXXX that I had a new hard inquiry and that a new checking and savings account was opened in my name. It was opened with Citizens Bank. I did not open any accounts nor have I given anyone permission to do so with my information.
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A