Date Received: 2021-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XX/XX/2021, XXXX sent an email on a closed account over the weekend, a tactic and form of harassment, the object is send something that the costumer can't respond to while he/she is trying to enjoy the weekend. They are claiming a debt that is not there and want me the clear it up over the weekend. ( answer to your question why I choose to deal with it on the weekend? To stop them send it on the weekend. Are you saying I should be forgiving over the weekend. Even if they can reach out to me at XXXX XXXX Saturday mourning, XXXX XXXX Saturday mourning or those times on Sunday and that is ok just wait to Monday ) ( Your 2nd arugument is to just block or delete, the answer to that is think of their message as XXXX they send it, I delete it, but I or my children still saw it, so what good is it to do that ). To restate they send and asking me questions on a closed account and I see that as harassment. This is the 1st step legal is next.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was approved for a construction loan on XXXX by Citizens Bank, XXXX XXXX XXXX XXXX, XXXX, RI XXXX... then Citizens Bank denied that loan without any explanation. My financial/personal information was disclosed to a private citizen ( who I do not even know ) without my knowledge, consent, permission. Both of these situations were facilitated by XXXX XXXX of Citizens Bank. Please see CFPB Case # XXXX... XXXX XXXX, Office of the Chairman, Citizens Bank wrote me an " empty '' 2 page letter and never addressed/resolved my above concerns. She has refused to take my telephone calls even after she supplied her phone number for additional assistance/clarification. I want my complaints resolved! I need CFPB 's assistance in this matter. Thank you.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX transferred 2 test debits from citizens bank to another account in my name. Went through fine. XX/XX/XXXX transferred {$10000.00} from citizens bank to other account XXXX called citizens bank to Check on status of transfer. Was told it would take a few days XXXX called citizens bank to check on transfer. Was told money should already be in other bank account. XX/XX/XXXX - called citizens bank to check on transfer on 3-way call with new bank. No results/ told to wait more days as the transfer went through fine. XXXX has to borrow {$10000.00} from employer in order to complete home purchase, because I was unable to buy the home I saved for 15 years to buy due to citizens bank still holding my {$10000.00}. XXXX called citizens bank as still did not get transferred {$10000.00}. Was told it should be fine, and was processed. That The other bank is at fault. XXXX called citizens bank to find my {$10000.00} and got extremely angry, finally was transferred to someone who said the funds are on hold actually and the transfer was cancelled. Was told I should have my funds back by XX/XX/XXXX XXXX funds of {$10000.00} not returned to me, check to repay my employer bounces. Jeopardizing purchase of my home as well as my employment. Still Do not have my money back. This bank has jeopardized my entire life. If one person in the many times I called had given me any real information it would be a different story. Each call to this bank had over 20 minute hold time to speak with someone. I still dont have my money. My costs associated with this include bounced check fees for both me and my employer who loaned me the money, {$750.00} fee to my employer for the loan in the first place, not to mention incredible stress, Many hours of my time, jeopardizing my home purchase.
Company Response:
State: MT
Zip: 599XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is a follow-up to a prior report on overdraft fees generated by Citizens Bank 's failure to credit my account with a {$3000.00} credit to an affiliated account. The bank was made aware in early XXXX of the issue of a vendor refunding me {$3000.00} to an account that had been charged off, and has been promises ever since to track down the money and issue me a check. I experienced three broken promises from the local branch to issue me a check and have it to me by the following week, all through XXXX and early XXXX. Their failure to send it -- once due to a " computer glitch, '' other times due to never having gotten around to it, caused me to generate over {$1000.00} in overdraft charges. Last Friday, I received a call from the office of the chairman with an attempt to rectify the problem with a refund of roughly 1/4 of the overdraft charges and a commitment to track down the status of my {$3000.00} and get me an update " within two business days. '' One week later, I have received no update, no check, and no returned calls after leaving two voicemails. Meanwhile, my funds are dwindling once again, and the situation feels specifically like the bank is continuing to intentionally slow-walk and withhold resolution to returning my money in order to cause me to generate further overdraft fees. This is theft, plain and simple. It does not take two months to track down and return a credit made to the wrong account. This is negligence at best and possibly criminal, and certainly predatory.
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: Facts of the Matter XXXX, by Federal law is a consumer reporting agency and debt collector, Attempting to collect an alleged debt indirectly as a third party entity for an agreement in which their corporation has made with the RBS CITIZENS NA,. The FDCPA and TILA does not specify OR define the term borrower or loan therefore this notion of debt can not be validated in truth even In the highest federal court. A loan can not be formed in truth and validity from a CONSUMER CREDIT TRANSACTION. Understand, When an organization initiates a loan in a persons commercial name using their open ended consumer credit plan, then creates and furnishes a deceptive form to make a loan appear valid, this is in fact Identity Fraud. That organization shall pay interest to the Consumer for his or her extension of open ended consumer credit within the Corporation of the United States. RBS CITIZENS NA, is not a federal, but a commercial bank, so by federal law jurisdiction RBS CITIZEN 'S NA, is a debt collector. Because RBS CITIZEN 'S NA, is a non living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent loan to which they have become the borrower and debtor to the Federal Reserve Bank. They have falsified documents to state that they are the " original creditor ', but have no extension of living credit to offer living consumers. It is impossible to pay on a Positively reflected balanced debt or charge. Therefore, XXXX, and RBS CITIZENS NA, are misleading the consumer, when in fact the Alleged debt balance shows it has already been accounted for. Why is this number not in a negative balance? 15 U.S. Code 1692a - Definitions ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. A Bank, non living entity, can not Lend funds or Extend credit, Therefore a bank can not be an original creditor of any natural person 's consumer credit transaction. The Documentation you have presented constitutes, Identity theft and fraud. Congress however states under 12 USC 1431 that Federal Banks may Borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. This notion does not include commercial banks, such as RBS CITIZENS NA. I, The natural Living man, The original creditor have extended my open ended consumer credit to RBS CITIZENS NA to have it extended back to the Consumer, Myself, using an open ended consumer credit plan Under the Corporation of the United States of America, securely bonded in Surety and trust within my Certificate of Live Birth. I was then mislead into a fraudulent contract named a loan when in fact an extension of consumer credit transaction had taken place. Congress does not define the term Borrower or Loan. Again, however, Congress states Federal Banks may Borrow, this doesn't include commercial banks. I know who I am, and I Am Invoking my specified remedy as an original creditor and consumer in this consumer credit transaction. If XXXX continues to report falsified information, which was constructed willfully in identity theft, I shall be forced to pursue federal litigation with the presentation of facts and exhibits to support my stance.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
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 have submitted a complaint against Citizens One Home Loans for improper management of my Mortgage Account and my Mortgage Balance that is paid on time all the time. Now Citizens One is messing with our excellent Credit History on both my wife 's credit report and my excellent credit reports. Citizen One Home Loans is saying I am late with my Mortgage Payment. In close to 30 years of owning a mortgage I have never ever been treated like this by a mortgage company. They are now affecting our lively hoods with their false statements and lies. I have a bank history of payments that are paid religiously on time, every time the mortgage payment is due. Now Citizens One Home Loans has improperly lied and reported my wife and myself for their own accounting issues and their mistakes which is costing me time & money. I have reported them to you for their unfair documentation and their false monthly statements. I can prove to you with my banks history of my payments that I do not owe anything past due. I need your help to hold Citizens One accountable for their accounting mistakes and their false statements. I can't afford an attorney right now to sue them for damages as this is my work slow season right now. I have a bank payment history to prove they are the liable party here. Please help me save my wife 's and my our excellent credit history from being destroyed by this horrible mortgage lending company. Please " Do Not '' let them get away with their bad customer service and their illegal accounting practices. They need to be held accountable for their illegal actions.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I attempted to contact Citizens bank using its website and received an error message. It seems that using this portal is the only way for a customer who does not use telephone to communicate with Citizens Bank. I am enclosing the message that I attempted to send to Citizens Bank using their website, but Citizens Bank website failed to accept my message.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage is with Citizens One. I submitted a loan modification application in XX/XX/XXXX. I was initially advised to allow 45-60 business days for processing. I called each month to check the status of my application. Each time I was advised that my request was still pending review/decision with an underwriter. However, today ( XX/XX/XXXX ), I called Citizens and was advised by my lender that I was denied on XX/XX/XXXX. To date I have not received any written correspondence regarding this, nor has anyone contacted me to inform me of this status change for my application. I was told to reapply and see what other options are available. I feel so uneasy about this because I was not aware for over a month that I was denied. Had I known this sooner, I would have been exploring other options for my home. I am resubmitting another application today, hoping that my lender does not repeat this lack of communication issue with me again. I'm doing everything within my power to be positive about this and I'm really relying on my faith in God to help my family and I keep our home. I'd also like to go on record and advise that I called on XX/XX/XXXX and scheduled a payment with an agent. That representative used the wrong payment method & account number when she completed my request. On XX/XX/XXXX, a manager with Citizens One named XXXX confirmed that she listened to the call and there was an error on behalf of the agent. In turn, this caused my bank to charge me two insufficient funds fees. I was told that the fees would be refunded but they never were.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A