Date Received: 2021-06-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 I received an email from Citizens One Personal Loans congratulating me on my purchase of XXXX XXXX XXXX The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to Citizens Bank, the line of credit approved was for {$1600.00}. I do not own an XXXX or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX I took action freezing all of my credit reports and filed a report with XXXX to dispute the inquiry. XXXX denied the dispute. Upon calling XXXX, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is another ( out of many ) complaint against Citizen 's Bank and its fraudulent responses to our complaint to your office. Response we have received from Citizen 's bank dated XX/XX/2021 is nothing short of fraud. From XX/XX/XXXX to XX/XX/XXXX are only 27 days ( see copy of calculations attached ). Then there was a claim that interest from XXXX XXXX to XX/XX/2021 was {$51.00}. There was no such interest at all at any months in 2021. The following interests were charged to us : XXXX. ( i.e., computed for the month of XXXX ) - {$60.00} ; XXXX ( computed for the month of XXXX ) - {$53.00} ; XXXX. ( computed for the month of XXXX ) - {$56.00} ; XXXX. ( computed for the month of XXXX ) - XXXX ; XXXX ( computed for the month of XXXX ) - {$52.00}. Response ignored the issue of failing to account for {$1000.00} payment made in XXXX towards principal which apparently explained the interest charged in XXXX ( {$56.00} ) which was greater than the interest charged in XXXX. This is the reason of questionable " closing '' of our previous complaint with CFPB!
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reviewed my hard credit inquiries as I am currently refinancing my home. Discovered a hard inquiry with Citizens Bank on XX/XX/2021 which I did not authorize. This is the same week I experienced fraudulent activity with my debt card which I reported to my current bank XXXX XXXX. This activity with my debt card has been resolved.
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was granted a Forbarence on our mortgage, we have paid all payments back and current with loan. I have asked for my original Forbarence documents listing terms with the loan and payment plan. I have tried to get these documents for 3 months without any success. Every time I call I get a run around and sent generic forms without any loan specifics. When I ask to speck to a supervisor or Manager I am told No or that I would be called back. To this day I have called 13 times and never had a return phone call or received the original forbarence documents for my loan. I need these documents to refinance my loan. My Mortgage broker also has tried to request these documents while on a conference call with myself and CitizensOne without any success. XXXX XXXX Mortgage XXXX Attn : XXXX
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Shame on you CFPB for thinking an answer from Ms XXXX XXXX, Office of the Chairman who lied and/or reflected incompetence was a suitable response. Ms XXXX, I feel purposefully misrepresented herself in her response. She claims that said that some of these charges were duplicates. I NEVER SAID THAT. So ... let 's try this again. And you need to hold Citizen 's accountable. Disputes at Citizens Bank were not handled properly. All 3 disputes were denied, 2 claim numbers, but 3 disputes total. // There is no way to contact Citizen 's disputes department. I received 1 call from a private number, so of course I didn't answer ; from XXXX man with thick accent, claiming to be a Citizen Bank employee, telling me in an indifferent scripted tone, without any reference to a claim numbers, that " services were rendered ''. THIS IS FALSE. They aren't even all services.// After resubmitting my disputes I was told I would received 2 calls from disputes since there are 3 disputes and 2 claims numbers. I only received 1 call/ voicemail from a private/restricted number. What bank doesn't have a real claims department to contact? // Claim " A '' number XXXX totaling {$71.00} = 2 items. ITEM # 1. {$58.00} XX/XX/2021 is counterfeit XXXX XXXX makeup from an XXXX store offering money back guarantee. They REFUSED to give me my money back and now claim I am beyond the 30 day guarantee. At the time I was sick with XXXX XXXX. Scam XXXX store is called XXXX and is not related to the national chain XXXX cosmetics in any way, which I recently learned. As of XX/XX/2021 I learned this store is now closed for its scams. XXXX KNOWS I WAS SCAMMED AND REFUSED TO REFUND ME. CITIZENS BANK KNOW I WAS SCAMMED AND REFUSED TO REFUND ME. ITEM # 2. {$12.00}. A company to boost my social media followers sold me profiles of children in 3rd world countries. Claim " B '' number XXXX {$140.00} XX/XX/2021 XXXX purchase XXXX XXXX XXXX The employee dyed my hair a dark shade of blue. I wanted platinum blonde. She put too much blue in the toner and walked away from me. Normally I do my hair myself and told her to be careful not to dye my hair blue, which she proceeded to do. Due to XXXX XXXX XXXX I sought her assistance. She then cut, without my consent, my hair short due to my hair then being dark blue. I asked for the manger to call me and to date the manger has refused to do so. I made disputes with Citizen Bank. I refiled the disputes. The dispute department refused to allow contact or to even acknowledge the claim numbers upon 2nd dispute. I emailed XXXX whom to date has not responded back. I made them aware they are now part of my complaint to you. Please assist and hold Citizens Bank accountable to protect its consumers. Thank you, XXXX XXXX
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX I received an order form from XXXX ( XXXX ) for an XXXX and XXXXXXXX XXXX XXXX, Being a XXXX year old woman, I don't have any idea what this is. In addition, it was to ship to XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. This is definitely not my address, but is the address of a hotel. Shortly thereafter, I received an email from Citizens One congratulating me on the purchase of XXXX XXXX and they had set up my account ( XXXX ). I discovered they had done a hard inquiry on my XXXX credit report. I never authorized them to request this report ; nor did I request or authorized such a loan. I believe this is some form of a scam and I never received any merchandise and certainly will not be paying any money to Citizens One, Thank you, XXXX XXXX
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On the XX/XX/XXXX I happen to check my account to find out it was over drafted. No notice was mailed to me. emailed to me or even a phone call. I have there mobile app seen no notice of it. So I spoke with someone at Citizen online banking and they credited XXXX and XXXX and told me I had to pay other overdraft of XXXX . I had my girlfriend who is also a citizen bank account holder to transfer me XXXX $ to correct the XXXX $ charge and pay the XXXX $ fee remaining for overdraft. We used XXXX which I called and was told my account and my girlfriends accounts are both verified and transaction should have occurred in minutes. Citizen bank made it take a day. Boom another XXXX $ charge. I went to my local branch the lady at counter was nice I explained my situation this was about XXXX on XX/XX/XXXX she credited my account XXXX $ to fix it yet again. I checked my account at about XXXX said XXXX and I was happy finally. figured it was good I was good. Wrong. Check my account now XXXX XX/XX/XXXX - {$36.00} they hit me with another overdraft fee for no reason nothing is posted to my account other then what is listed below. 3 days of dealing with this bank and we are going no where with a resolution now id like to close my bank account out after this is over to protect my self from a predatory monetary system. Gon na attempt to resolve this tomorrow again but if they try to hard hand me again I'm getting a lawyer and contacting my state senator. Was told the FDIC was a trusted organization I hope so. XX/XX/21 Fee Rebate Dda Credit {$30.00} {$0.00} XX/XX/21 Debit Memo Sustained Od Fee - {$30.00} - {$29.00} XX/XX/21 Direct Deposit Citizens Bank N {$70.00} {$0.00} XX/XX/21 Preauthorized Debit XXXX Inst Xfer - {$32.00} - {$69.00} XX/XX/21 Fee Rebate Fee Rebate {$30.00} - {$37.00} XX/XX/21 Fee Rebate Fee Rebate {$37.00} - {$67.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$100.00} XX/XX/21 Service Charge Sustained Overdraft Fee - {$30.00} - {$74.00} XX/XX/21 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} - {$44.00} XX/XX/21 Preauthorized Debit < -- - When overdraft happened. XXXX Inst Xfer - {$10.00} - {$7.00} XX/XX/21 DBT Purchase XXXX XXXX XXXX Co XXXX - {$10.00} {$3.00} XX/XX/21 POS Debit XXXX XXXX XXXX Dc XXXX - {$69.00} {$13.00}
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by a person online named XXXX XXXX. We met on a dating app and began talking and texting. He told me that he was from XXXX, Texas and sent me a lot of information verifying who he was. A few weeks into our conversations, he said he had to make a business trip to XXXX. He said he was an chemical engineer and had to complete a month long project. XXXX planned to visit me on his return. While there, he ran into problems and asked for my help. He then said he was stuck there and needed me to send money. He promised the money would be returned to me within a few days because he would be paid once the contract was completed. XXXX convinced me that he was independent contractor, unsupported in XXXX, and had no options. Each time that I sent money, a new problem seemed to arise. This continued until I stopped sending money but he continued to plead with me, saying that he couldn't send the prior money back until more money was sent.
Company Response:
State: RI
Zip: 02852
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XX/XX/21 I paid {$50.00} in fees for wire transfer of {$200.00} from my savings account at Citizens Bank in XXXX PA to a contact in XXXX XXXX. Receipt promised delivery by XX/XX/21, but funds were never received. Citizens Bank reported that transfer was under regulatory review but could not identify location of the funds. After 2 weeks the funds are gone from my account and the bank can not tell me where they are.
Company Response:
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency XXXX is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with Citizens Bank for the loan. I again called XXXX who seem to think this is still my debt. I called Citizens One and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.
Company Response:
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A