Date Received: 2023-11-04
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 I received a letter from citizens Bank informing me that an account in my name was overdrawn by the amount of {$18.00}. The letter informed me that the last four numbers of the account were XXXX. I called citizens Bank fraud department and spoke to a XXXX who explained that this account was opened online in XXXX showing no activity since and the overdrawn amount was due to monthly banking fees. The fraud XXXX zeroed out the balance, enclosed the account and recommended I notify the FTC. I never open this account, nor have I ever had an account with citizens Bank.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Around XX/XX/XXXX, just like many others, I received invitations to open checking accounts with promotional offers from many financial institutions like Citizens Bank. After careful review of terms and conditions, I opened a checking account with a {$300.00} welcome bonus offer. I fulfilled all the requirements including the minimum deposit and set up direct deposits from my pay roll company. Ive attached terms and conditions for this offer to be reviewed and Citizens Bank confirmation that the account was succesfully approved with promotional offer XXXX and XXXX XX/XX/XXXX to receive the bonus advertised. On XX/XX/XXXX, after not receiving the bonus, I called Citizens Bank customer service for about an hour to find out that my offer was not honored due to a system error, being the code confused with a HELOC offer instead and the only solution provided was to wait another six months to apply again with no certainty about the amount of the welcome bonus then. This is clearly unfair and deceptive practices and I expect Citizens Bank to honor their terms offered considering that I complied with every single of the conditions required.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Dear Sir- I have a Certificate of Deposit with Citizens Access banking with account no ending with XXXX. I initiated closure of the CD, and transfer to an external bank more than a week ago, and the transfer was accepted by Citizens Access. However, even after a week, I show that the transfer process has not even begun. Due to this, I am unable to cover a number of expenses, which is causing me a lot of stress. This is not the first time this has happened. Several months ago, when I had to pay my son 's tuition fees for college, I closed this same CD and initiated an external transfer. Though the transfer was accepted online, the money was transferred. Back then, Citizens Bank called me after several days, saying there would be a penalty incurred. I had to tell them that their bank did not honor the transfer on time, due to which the transfer had to be done after the grace period. The bank did not accept the explanation, and that resulted in me borrowing money from outside. This bank does the same trick again, making it extremely difficult or impossible to get money out of my CD deposit. Right now, I need to pay my mortgage, but this bank 's actions, or lack thereof, are going to make it impossible for me to transfer my money. I am not the only consumer who is facing issues with Citizens Access Bank. Several other consumers have voiced their frustration over eerily similar issues with this bank. I request the authorities to investigate this case and also the bank 's practices that are causing stress to me and potentially to other consumers as well. Please feel free to contact me in reply to this email or at my address or phone # below. Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Citizens Bank on multiple occasions was presented at area banks with checks stolen from the USPS ( my checks ), those checks had been altered - new payee and new amount. Banks flagged the checks. Those bank branches refused to notify law enforcement, refused to work with law enforcement, and refused to provide me ( the victim ) with any information in writing. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Citizens Bank ( local branch address, I do not have the corporate HQ address ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX at XXXX I deposited anywhere from XXXX ( I counted it before I left but not right at the atm ), the atm said unable to read bills ate my money and only spit out two bills ( a {$100.00} bill and a {$20.00} bill ) and said would you like to do another transaction. I said yes and redeposited the XXXX thinking the whole amount will reflect on my receipt. It was not only the {$120.00} was. I am on camera putting in a stack of cash and only getting two bills back, also on camera saying hello is anyone here the atm are my money then I sit in the atm room for an hour on hold with the claims department. They keep denying my claim and are refusing to look at the atm footage. The supervisor today of the claims department refused to give me his last name but his name is XXXX and he is the supervisor at the Citizens Bank contact center in Pennsylvania. The actual bank which is on XXXX XXXX XXXX ny. They said they can not review the footage but the claims department can. I asked XXXX of the claims department to do that and hes refusing. Im not sure where else to go so I decided to escalate it to here because he refused to give me the corporate office number or let me speak to his superior. Citizens bank has taken atleast XXXX dollars from me. Ive reached out to them maybe 20 times.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX {$700.00} was taken out of my account and I cant get an Answer since XX/XX/XXXX spent Many hours on the phone with no answers from customer service
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have, since early XX/XX/2023, asked Citizens Bank to terminate my bank account. I drew down the funds in the account to a XXXX balance, and requested that the account be closed. On two separate occasions, the bank has reopened the account due to an erroneous charge being made on the account. In both instances, I was charged an overdraft fee and a low balance fee. After multiple hours waiting after each instance, those fees were waived. I had to bring the balances back to XXXX, and request the account be closed for good. I asked them to waive the 60 day period, and they have refused. I asked them to backdate my account closure to the initial date requested to expedite the process of terminating the account, and they have refused. I have had to call them in the middle of the night during my honeymoon to get these charges waived, as they compound after five days. I have spent approximately XXXX hours on the phone and via their online chat feature attempting to close my account. As their hours of operation of their customer service line do not extend beyond or outside of normative business hours, this constitutes a meaningful loss of time at work for me, in addition to the significant frustration caused.
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi Sir or Madam, I opened a business checking in-office with Citizens Bank . When I opened the account on XX/XX/2023, I showed the banker the promotional details that I attached below as I could not open the account online. The banker told me that the promotion was valid and would open my account in-office with the promotion attached. However, I still have not received the bonus despite depositing the {$5000.00} within the timeframe given.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On or about XX/XX/ I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct # XXXX. This isn't the first or 2nd time, Citizens Bank keeps reporting improper on my consumer report
Company Response:
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : CITIZENS ONE XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A