Date Received: 2021-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2021 I received an e mail from Citizens One stating that I owed them money for something called XXXX XXXX XXXX I called attorney general office in West Virginia where i live and they told me to disregard it. I have applied for no loan at this company. So every month I would receive e mails and i did not open just deleted. After two months I received another e mail for more money so i checked my credit report to make sure this was not on it. It shows on my credit report and past due amounts. Last e mail i received that i opened says i owe XXXX by XX/XX/XXXX. I called citizens on they are affliated with Citizen Bank in Rhode Island. When i called Citizen One they wanted my social security number and date of birth which i told them if i supposedly had a loan they should have it and did not give it to them. They said they were going to put fraud on account and would send out papers to fill out in next 2 weeks. I contacted all three credit bureaus and put freeze on all three. I called Citizens Bank to check to see if I had loan there since they are together. They said no. This was all done on Friday XXXX. Thank you for your attention to this matter.
Company Response:
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I booked a group holiday to XXXX with XXXX XXXX XXXX on XX/XX/XXXX *Please see attached receipt The trip was cancelled early due to Covid on XX/XX/XXXX. After the trip was cancelled I moved my trip to XX/XX/XXXX ( See email receipt ) XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. *Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. I attempted to open up a chargeback dispute using the Chargeback code : Visa chargeback code 13.1 Merchandise services not received. I have been waiting for 9 months and my bank has refused to open up the dispute on the basis that Im out of the time-frame. Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. The merchant - XXXX XXXX XXXX has ceased trading. See Companies House as evidence that XXXX XXXX is about to be liquidated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX as I first let the bank know on XXXX XX/XX/XXXX You could also use my original trip date of XX/XX/XXXX They may also use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ) as I first tried to open the dispute on XXXX XX/XX/XXXX Visas rules : A Dispute must be processed no later than either : 120 calendar days from the Transaction Processing Date 120 calendar days from the last date that the Cardholder expected to receive the merchandise or services ( Not to exceed 540 calendar days from the Transaction Processing Date ). On chargebacks there is normally a 120 day limit, but this can be extended to 540 days if the services were to be provided at a future date. So, for example, a vacation. Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2021, I contacted Citizens Bank and relayed my concerns that there were technical issues with my account, in terms of account access, on going ACH depositing issue and password issues. I was assured that the representative with whom I spoke with would resolve this instead, it was temporarily resolved for the month of XXXX but the issue reoccured on XX/XX/2021. I reached out to the company on XX/XX/2021 and I was told that they could not refund the fee of {$37.00} which they charged my account as an overdraft fee for non-payment. I had to re-set up another direct ACH recurring transaction between XXXX and XXXX who services my student loan. Ever since I opened this account, I have been having issues. I can not use a bank who refuse to address its poor customer service, delayed response system at the expense of making money. I am unable to process the last time I had a returned fee check and it is with this bank. I do not have these issues with XXXX.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CITIZENS BANK - Continues to steel consumer money and trying to get away with sticking me the consumer with a collection agencies fine for an accounting error that they causes. This is related to CFPB complain - XXXX-XXXX that was closed without proper resolution. The letter we received from Citizens does not contain the correct account of what happened and we are still missing money. In XX/XX/XXXX, XXXX was paid out from our escrow account to the school district. The school district never received that payment and therefore we were turned into a collection agency. On XX/XX/XXXX, a personal check was sent to the collection agency for the amount of XXXX, which was XXXX in face tax and XXXX in penalties, costs, and commissions. That is XXXX of extra fees that never should have incurred because the original amount of XXXX was lost either by the school district or Citizens. On XX/XX/XXXX, we received a refund from Citizens in the amount of XXXX, with no explanation to why this wasn't covering the full amount we paid in XX/XX/XXXX of XXXX. I did not receive a letter from citizens until today XX/XX/XXXX in the mail, which has incorrect information as I stated above. We are missing XXXX in reimbursement from the personal check we sent in XX/XX/XXXX. In addition, we need to be refunded XXXX for the penalties that we paid for late taxes because either Citizens or the school district lost the original payment. Citizens customer service on this matter have been sorely lacking. We have been dealing with this issue since XX/XX/XXXX and everytime we spoke to someone, we were told XXXX thing only for citizens to do something else. We should have never had to pay the tax collection agency as we had been in contact with citizens for the prior 2 months, trying to explain that we had a bill. Documents attached.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking account ending in XXXX was closed back in XXXX do to a overdraft of that account which I had submitted a claim for fraudulent charges for online gaming citizen bank paid out over XXXX dollars which they billed t o my account that I disputed. the claim was never settled i was told i had to pay them back. now I being off set from other open accouts .I only have short term XXXX income this is a hardship just take my money not being made aware until after they debit my other accounts..
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received in the mail on XX/XX/21 a credit card from Citizens Bank with a credit limit of {$11000.00}. I never applied for it. The number was XXXX. I also opened mailed yesterday and a personal loan for a XXXX was denied from CitizensOne the same bank. I called Citizens and reported it to them on XX/XX/21.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX is the previous complaint. There has been no resolution to me trying to leave forbearance making monthly payments and still having bills that say nothing is due and not showing any payment. Also, they are trying to increase my payment amount, even as interest levels are falling way below what I am financed at with no offer or possibility offered when I ask for help. Last time I called I was told that I wasn't even supposed to be making payments, which like always was a different story, so I stopped and I am looking at the bills right now that say XXXX due and that my loan is in forbearance. However, now I am getting late notices with fees attached. How can I possibly be charged a late fee when I am still showing that I am in forbearance with no XXXX due and the company is unable to update my account even though I have given them more than {$8000.00} in the last few months. This has been the most stressful experience of my life and Citizens One has been entirely unhelpful. There is no standardization of responses and every time I call I get a different response, so certainly some of the responses I have been given are false if not illegal.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/20 Citizens bank.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Citizens bank keeps taking small amounts from me without my authorization they think I dont notice and make me believe I am wrong.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a statement in late XXXX from Citizens One Bank requesting payment on a balance of {$830.00} for an XXXX All Access purchased as part of a promotion at XXXX. I contacted the bank upon opening the statement to advise that the account they had approved was opened fraudulently. My personal information had been used to open the account and make the purchase. XXXX in Consumer Lending set up case number XXXX. I was able to get delivery information from a XXXX site. The product was shipped to the XXXX XXXX and XXXX in my neighborhood. I contacted the credit reporting agencies to have alerts placed on my credit reports. I filed reports with the Federal Trade Commission XXXX complaint number XXXX ) and with the XXXX Police Department XXXX report number XXXX ). I filed the police report online XX/XX/2021 and met with Officer XXXX XXXX who witnessed my signature and signed the law enforcement report the following day. The law enforcement report was included in the Identity Theft Victim 's Complaint and Affidavit packet faxed to the ID Theft Operations department at Citizens One XX/XX/2021. Collection efforts have continued and derogatory information has been reported. I called the bank and spoke with a collections representative XX/XX/2021 who advised me that collection efforts and past due reporting will continue until the bank 's investigation is resolved and that it may take several months. I called the ID Theft Operations department XX/XX/2021 and left a message per the prompt that stated I would receive a call back within XXXX hours. I didn't hear from the department on the XXXX, so called and left another message on XX/XX/2021. I still have not received a call back. I get the impression from talking with bank representatives that there has been a great deal of fraud reported, and that it is taking time to work through the investigations. At the very least, I would like the bank to clear derogatory information reported to the credit reporting agencies and to stop collection efforts. I have done all from my end that I know to do XXXX this is a 1st time experience for me ). The bank approved an application and purchase without making the effort to contact me when the shipping address was different than the billing address. I was told by a bank representative that my correct phone number was on the application. It would have been so easy to avoid what has already been a very time consuming and worrisome experience.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A