Date Received: 2021-10-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2021 1 ) Citizen One ( bank ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For the past year and a half I have wanted this mortgage company to simply just get my taxes correct, for the year they are just about XXXX. I filed my first complaint and it took them 5 months to resolve while they were trying to figure out the issue I was forced to pay a extra XXXX a month on my payment. When they finally resolved the issue and all seemed well it popped up again. Now here we are 8 months down the road they have paid a extra XXXX this year on my taxes and my escrow is almost negative again which will lead to me paying a extra XXXX a month which I will not have. If they simply mailed a certified check for the taxes this would not happen. But since they do not the county/town mail the check back it never gets refunded and 3 months go by and the town/county send another tax request from the lender with interest stating it needs to be a certified check which at that point they pay it correctly with the interest, so after one year goes by I pay my taxes double and only after I make these complaints does it get resolved, after the last complaint they sent me a letter stating they would release paying my taxes and I would have to do it myself, I do not want to go to the town/county and pay them myself I just want to simply pay my mortgage and for them to do there job and pay the taxes.Now I will need another refund and have to wait for the chairman who seems to be the only person from this bank with common sense to get in touch with me.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello. On XX/XX/2021, I submitted my financial information to XXXX XXXX who then forwarded it to Citizens Bank, the company writing the loan. I submitted bank statements, tax returns, mortgage statements for a previously purchased property, and pay stubs. On XX/XX/XXXX, I explained to the loan officer that my husband hadn't been employed for 6 months because I knew that could be an issue. She asked for an exception letter, which we provided. The letter explained my husband hadn't worked due to Covid closing schools and him staying home to take care of the children. She stated it was good. In mid XXXX I asked if the exception letter was approved and she said yes, we were all good to go. I don't know if she lied or if Citizens Bank lied to her and said that. On XX/XX/XXXX, we received our Closing Disclosure from Citizens Bank stating our actual costs needed. We were supposed to close XX/XX/2021, so that put it 3 days from closing, like it is regulated. On XXXX, XXXX, the day before closing, we were told we weren't clear to close due to my husband 's length of employment. We didn't understand why that was an issue the day before closing since we had disclosed that information in the beginning and were not only pre-approved with that known, but also told the exception letter about his employment was accepted. We had been allowed to pay for so many things when they knew from the beginning we weren't going to get the loan based on the information I provided. The day after we were supposed to close, XX/XX/2021, we received our Notice of Action Taken. This notice should have been sent well before this. The reason was due to employment history and insufficient income. Both of these reasons should have made it where we wre n't pre-approved. We should not have been told repeatedly we were getting the loan if those were the issues. Nothing changed with anything in our finances or employment from the time we were pre-approved to the time we were supposed to close. I'm not even sure how insufficient income is a reason since our DTI with the house we were trying to buy was 30.52 %. We terminated our lease agreement since we were given verbal confirmation that we were " for sure good and getting the loan. '' Now, I have to be out of my apartment in 9 days and I have no house to move into. I am attaching the contract for the house, the letter of intent given when we had already provided an exception letter for the employment history, Closing Disclosure, and the Notice of Action Taken that was given the day after the closing date.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: in XX/XX/XXXX, I lost my job and the citizen one put me on Forbiddance plan. i got my job back on XX/XX/XXXX. on XX/XX/XXXX, I contacted the financial institution ( citizen one ) to remove me from the forbearance plan and allow me to start making a monthly payment as i can't pay 8 months of mortgage in one shot. they agree and they send my account to be reviewed. since XXXX until XX/XX/XXXX they still doing a review. they kept putting my account on more forbearance plan extensions with no resolution. i have been calling them for the past 7 months twice a month to see if there is any answer. Now i am supposed to pay {$66000.00} or they will report it to the credit bureau. i made few payments during the past 7 months but it doesnt show on my account. they claim they can't post it until the account get a resolution. So, they are collecting interest although i am willing to make payments and my payments doesn't get posted.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a mortgage with Citizens Bank with and interest rate of 4.12500 %. I applied to refinance this mortgage to lower my interest rate in XX/XX/XXXX. I provided everything that was requested by XXXX XXXX throught the branch in XXXX XXXX. in late XXXX and XX/XX/XXXX. Every time I called to check on my application, I was told that due to Covid-19, everything was backed up and it would take a little longer. They pulled my credit numerous times lowering my score by 3 points every time. I checked with the manager at the XXXX XXXX branch, I was told that it should not take this long and they would get to the bottom of it. Never heard from them again. I also spoke with XXXX XXXX in the XXXX branch, he too said he would get to the bottom of it and never heard from him again. Them I spoke with XXXX XXXX in XXXX XXXX, she said she would get back to me within 24hrs. Never heard from her again. It seemed that once they contacted XXXX XXXX, the communication was stopped. Finally I recieved a Credit Denial letter on XX/XX/XXXX, almost 1 year later, stating they could not verify my income. This is a lie. There is no reason why they were unable to verify my income with copies of my tax returns and rental agreements. Either they wanted me to keep paying the higher interest rate or I'm being discriminated against for other unknown reasons. Is it because I am XXXX yrs old, white female XXXX XXXX?
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account in XX/XX/2019 with a promotion of {$300.00} for a savings account and {$300.00} for a checking account. XXXX, the person helping me closed and opened my accounts and assured me that I would received this promotional bonus. I kept the proper balances and did everything I was told to do. I did not receive any promotional money. XXXX has since left this bank and I was told she did similar misdeeds with other accounts. I can provide the promotional information as well. Im happy to provide my account information
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: A citizens one account that I never opened or have access to appeared in my credit report for an amount owed of {$5800.00}. I've contacted the citizens one company and provided them with my social and they keep saying there isn't an account opened with that social, yet that account and amount appears in my credit report.
Company Response:
State: NM
Zip: 88101
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Problem when making payments
Subissue:
Consumer Complaint: To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XXXX until XXXX of 2021 for the amount of {$97.00} and then again for {$1.00} for XXXX until XX/XX/2021 for my Citizens one account fitness equipment ( XXXX XXXX ). I made a payment that I thought was my final payment. Keep in mind I did not receive any phone calls or any reminder correspondence through the mail, that I had a left over balance. Until I applied for a loan with my bank. So I paid the {$97.00}. To make matters worse I received 90 day delinquencies for a left over balance of {$1.00}. That I had no clue about. This company does not follow fair practices act and I am at a lost of words. I spoke with the company and all the representatives states something different yet the ending results was they cant help me.
Company Response:
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX my husband and I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX. On XX/XX/XXXX we were asked to come back to the dealer to sign for finance with a different finance company and we did. At the time of purchase, we were transitioning to XXXX but still residing in XXXX and requested the vehicle be registered there. We then completed our move to XXXX and was notified by XXXX DMVXXXX County Tax Collector that we needed a letter from our Lienholder on letterhead stating they are the lienholder as of such date, customers names, vehicle year, make, model and vin #, dated, signed and printed. I requested it from the lienholder ( Citizens One ) and they in turn only sent me a copy of the purchase agreement, which I already had. XXXX @ XXXX called and was told that we needed to obtain title from XXXX, a third party. I contacted them and was advised that they did not have title and needed to contact Citizens. Citizens sent me back to XXXX and that went back and forth for a while. When Citizens finally confirmed that they did not have the Title to my vehicle I was advised by them to go to the dealer. I did and was advised by the dealer that they do not hold title and they would not be able to do anything and sent me back to Citizens. After several calls and numerous hours on the phone I finally was informed by Pennsylvania DMV that the title went to the finance company the dealer submitted on the Registration request. The finance company the dealer submitted was XXXX XXXX XXXX dba XXXX and not Citizens. I notified Citizens and they sent me back to the dealer. No one there got back to me until after several calls only to send me back to Citizens. Citizens finally sent the letter with enough information to obtain temp tags from FL stating that they were working on obtaining title. I received the temp tag on XX/XX/XXXX. I spoke again with XXXX XXXX XXXX to be told that she thought this was resolved. I advised her that I would only be given one extension for the temp tag and that once the temp tag expires and if this is not resolved, I can not legally operate the vehicle and that since I can not legally operate the vehicle, I will then be holding payment until they can produce title to FLDMV for registration. XXXX at Citizens said that she will forward it to the legal department of Citizens to expedite it before the second temp tag expires and that someone from that department would contact me. Instead she contacted my husband, informed him that they found the title in PA and that PA does their titles electronically and should take another week. We did not hear from Citizens again. The extension expired on XX/XX/XXXX and I stopped the Auto Draft Payments. We now get calls and letters from the collection department of Citizens. Dealer failed to correct their error ; Lienholder has failed to present title to Florida DMV for registration. It has been over a year and a half since FL DMV and I have requested the title. The vehicle now sits in my driveway. Without registration I can not operate the vehicle. I would like to continue making payments but not to the lienholder ( Citizens ) until title is produced. First and foremost, to have the title produced to FLDMV to obtain the registration for my vehicle so I can commence driving it again. Second, have Citizens remove the late payments and provide the credit bureaus whatever documentation they may require to remove the delinquencies and restore my credit since this has now affected my credit. Lastly, compensation for the numerous hours spent making calls and being placed on hold, and for the stress and aggravation this has caused.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/ My wife and I have a joint checking account at Citizens Bank. On XX/XX/, my wife deposited {$2900.00} in cash at an ATM of a branch office. During the transaction, the process hung, and a teller told my wife she would come out and resolve it. The teller and others from the office could not retrieve the debit card but saw that the cash was deposited. A 'DDA Statement Inquiry ' was printed out for my wife to acknowledge the ATM deposit of {$2900.00} and the balance on the account was updated as such. On XX/XX/XXXX, I paid a mortgage. My account should have had plenty of funds in it, but then, to my surprise, I received a notification by email that an 'overdraft line transfer ' occurred. On reviewing my account, I learned that on XX/XX/XXXX, Citizens bank made a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit made on XX/XX/XXXX. I called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an investigation. He admitted that there were no notes or records that would justify taking the money. A few days after XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from Citizens Bank stating that they completed their investigation and based on the information you provided and the documentation available to us, we concluded that the nature of your dispute is unclear. As a result, your claim is denied. On XX/XX/XXXX, my wife went and spoke to the branch manager and asked about the status of returning our money. The manager didn't know what my wife was talking about and did not see any debit of {$2900.00}. When my wife returned and told me, I realized there was a severe problem, took an hour off from work, and went and talked to the manager. When she reviewed the account, she immediately saw that her office had debited {$2900.00} from the account. She had no explanation. She said she would look into it. I asked how long it would take? She said ten days. I said that is nonsense. She said, 'give me two days. ' I did not hear back from her. I called her on XX/XX/XXXX, and she was not available, so I left a message. She returned the call two hours later but didn't know who I was or why I was calling. I reminded her, and she said she would look into it. As of XXXX, on XX/XX/XXXX, I have not received a status.
Company Response:
State: NH
Zip: 03060
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A