Date Received: 2021-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the XXXX major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a text alert supposedly from Citizens Bank stating that my online access is locked due to unusual login attempt. Asked me to click a link I do not have an account with Citizens Bank
Company Response:
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
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: On XX/XX/2021, XXXX XXXX from XXXX XXXX XXXX XXXX sent me a link to an invoice ( see email correspondence attached ). The link she sent was the wrong invoice, and was in fact a link to an unpaid invoice for a different customer. Not seeing the error, I paid the invoice on XX/XX/XXXX using the link she provided. I immediately contacted her via email and let her know about the error ( see email correspondence ). I immediately contacted Citizens Bank via phone and let them know about the error. Citizens bank told me via phone that there was nothing I could do until the payment cleared, then I could dispute the charge. I waiting until the payment cleared, then immediately contacted Citizens Bank and filed a dispute for the charge. Citizens Bank did not provide me a claim number. After not hearing anything from Citizens Bank or XXXX for a couple weeks, I contacted Citizens Bank to check on the status of my claim. I was told that they could not find any record of my claim, but I could enter a new claim now, which I did. The claim number for this second claim is XXXX. Today ( XX/XX/XXXX ) I received a letter from Citizens Bank telling me my claim was denied because I waited too long to dispute the charge, even though I first contacted Citizens Bank before the charge even cleared, and again immediately after the charge cleared.
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Citizens Bank Mortgage not letting me out of forbearance. Not able to refinance and costing me over {$1000.00} a month due to current high interest rate with them. They know I can't refi due to XXXX XXXX regulations as long as I'm in forbearance.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Around the time of the stimulus checks my XXXX XXXX XXXX daughter wanted a puppy and she was looking around and came across many different post of people selling puppies and some were obvious they were scams. But this woman in particular provided everything I asked for including the vet clinic and phone number which I verified and it was legit and I called and they confirmed the puppy being seen there for vaccines. She provided a video saying my daughters name with the puppy. I told her I would feel comfortable if made a partial payment through my bank for my safety and she accepted and told me she would give me her XXXX information. I would make the partial payment only when I received flight information and she provided me with her name which was XXXX XXXX but people called her XXXX and her husband name was XXXX XXXX which I was sending the partial payment was to her husband. She also suggested XXXX Pay her son XXXX XXXX and provided me with her sons phone number which is XXXX. Her phone number is XXXX ( XXXX XXXX XXXX. She sent me this XXXX Along with tracking XXXX XXXX XXXX ... I never received the dog just this email, Dear client, We have a puppy available in our custody for transportation to you. However, our terms or service require animals to be transported in the most comfortable conditions possible in order to be up to standard. You are hereby required to get a medium sized electric air conditioned crate and a vaccine for your pet to be transported in. As for the electric crate, two ways are available to attain an electric air conditioned crate. Either by renting or by purchasing. To rent a crate, you will have to pay the sum of {$590.00}. 98 % of this money will be given back to you when the pet arrives and the crate is taken back. To purchase a crate, you will have to pay the sum of {$590.00}. Upon delivery, the pet is given to you alongside the crate as your property. You are to respond with your choice ( renting or purchasing ) and your preferred method of payment Thanks for understanding ... I called her and she acted surprised. She blocked my daughter and myself from XXXX where the post was originally. The police couldn't help nor the bank helped me get my money back. I am a XXXX mother of XXXX and ever since this situation occurred I was forced to close my bank accounts and open new accounts if not I wouldn't have access to online banking and because of this I've been having overdraft fees like crazy on 2 of my accounts because a bank representative attached my debit cards to the wrong accounts and both my accounts are negative. My son also has had negative fees because I had 5 accounts in total but 2 of them belonged that my adult son and now adult daughter, which her student account is still opened because she wasn't available to go into the branch with me, only my son. She didn't agree on her account closing but I was told by the branch she had to come into the bank to close it but she refuses and it's still open. I wasn't able to close my XXXX account due to the office of Childsuport office being closed to the public and there's many things that I can't do over the internet and that's only when my son comes and helps me. Afterwards my claim was denied so there was really no point on closing my accounts. I really wish I can reopen my XXXX account due to the child tax credit and I have no way of providing my new accounts to the irs because lack of internet knowledge. Two accounts are currently negative and I still have payments pending and ever since the new accounts I am being charged a service fee I wasn't paying on my old accounts. I hope someone can help me with this situation.
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened an account on XX/XX/2021. Terms advertised that if I opened an account with citizens bank and directly deposited at least {$500.00} within 60 days of account opening I would be paid {$300.00} by XX/XX/XXXX. I would also be paid an additional {$2.00} for each debit card purchase in the first 60 days up to {$100.00}. I met both requirements. I contacted citizens bank on XX/XX/XXXX to inquire on where my incentive was. I spoke to 4 different people and then got a request submitted for research. They said give it to this Friday or the next and it would come XXXX XX/XX/XXXX or XXXX ). I still didnt get my incentive. Case number XXXX
Company Response:
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Please see the attached letter regarding violations of Massachusetts General Law Chapter 93A.
Company Response:
State: MA
Zip: 02115
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a income tax refund on XX/XX/2021 into my checking account at citizens bank which was charged off on XX/XX/2021. Instead of them sending the check back they are holding on to my check for 15 days and are going to send me a check after. I am extremely upset by this due to the fact that I already had to wait 3 months to receive my tax refund because the irs was behind and now that they have finally sent it I have to wait almost another month to pay my past due bills that Im drowning in. I wouldnt receive my money until the last week of XXXX.
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for deferment back in XXXX and my payments have not been applied correctly. I call every week and keep getting its in system update. They are failing to apply my funds to My account correctly. I keep getting notifications for being past due, my escrow is not being done correctly and I never get a supervisor call back.
Company Response:
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A