Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been Speaking To Citizens Bank about a Fraudulent on my Card about XXXX Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been Speaking To Citizens Bank about a Fraudulent on my Card about 170 Time information and the person that Answer the phone She Just hanged up on me five times and Nobody Care of taking actions and they just. Ended up moving on and I have. Toldeed them the Fraudulent and I will like to be Filed claim and they have hanged up on me
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Mortgage company ( citzens bank ) did not credit my mortgage payment, that I paid a few days earlier. I had proof and obviously they could see I paid on time. The problem was no one could help after multiple attempts to get someone help fix their mistake. I finally got a hold of someone, who knew what the mistake was, unbeknownst to her, she did not understand why it happened. I finally was credited for the payment I did make on time. Today I went in to check my Credit score And mortgage company had sent a missed payment on the mortgage that I had paid. I have bank statement showing no late payments. How do get this fixed Thank you XXXX XXXX
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A fake letter from CitizensOne personal loans was dated XX/XX/21 and received XX/XX/21. It stated : We have not received your monthly payment of {$160.00} that was due XX/XX/21 on your Citizens One ^R account for ending in XXXX. To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or update your payment information. It goes on to suggest they may report to credit agencies. I tried to log into the site and tried repeated passwords of other accounts and my social security number to find my info. I have tried calling citizens one on the number on their site but can not reach a person without an account number that I dont have. This is the first action I have taken.
Company Response:
State: NY
Zip: 14618
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Borrower has made all timely payments required under its Note Agreement. Lender believes additional amounts are owed without any support. Have been unable to communicate directly with the Lender to cure this situation. Lender has reported delinquency on the credit report which is incorrect.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I received a text from Citizens Bank ( XXXX ) stating " FROM CITIZENS BANK : For account ending in XXXX : Did you attempt a debit of {$250.00} at XXXX XXXX XXXX XX/XX/XXXX? REPLY YES/NO/HELP '' I responded " NO '', and immediately called Citizens Bank. I spoke to a representative, and was told I received the text by mistake. I requested to speak to a manager, and the manager told me the same. When I asked the manager how I could trust Citizens Bank when I was receiving the wrong texts related to fraudulent transactions, she put me on hold. When I was placed on hold, I received a call from Citizens Bank ( XXXX, badge XXXX ), who explained that the fraudulent transaction was, in fact, attempted, but blocked. He also found another fraudulent transaction in process. XXXX did a great job. However, it should be noted and reviewed that the other representatives 1 ). did not know what they were doing, 2 ). told me that I received the text from Citizens bank by mistake, and 3 ). provided no useful information to resolve the issue. If I did not speak to XXXX, I would have had additional money stolen from my account due to their poor training and bad customer service. The calls are recorded, and should be reviewed. Overall, the customer service of Citizens bank has declined. They are clearly not appropriately staffed to handle their clientele given the amount of time you need to wait to speak to a customer service representative ( the wait is normally never below 10 minutes ), and the staff is not properly trained.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I received a letter from Citizens One Personal Loans dated XX/XX/2021. The letter was addressed to my maiden name and my physical address, not my current name and mailing address. The letter reads : " We have not received your monthly payment or {$450.00} that was due on XX/XX/2021 on your Citizens One account for ending in XXXX. To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or to update your payment information. We are available 24 hours a day, 7days a week. Thank you for your business and your prompt attention to this matter. Sincerely, Citizens One Important Notice : We may report information about your account to credit reporting agencies. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report. '' I do not have an account with Citizens One. I checked my credit report immediately to make sure that Citizens One is not showing on it. I attempted to call the number listed in the letter and got a recording stating " if you received a letter concerning a late payment that you believe to be in error, no further action is needed '' and then asked me to stay on the line to speak to someone about existing accounts. I was on hold for a very long time and was never connected to a representative. I attempted the call several more times, again staying on hold for a very long time and never being connected. I then went to the website listed, which is only a login page for accounts that states " Our eCustomer Services portal is available for you 24/7. '' but there is no eCustomer Services portal link available ( unless that login page is it ). I went to the main Citizens One website, as well as their parent website ( Citizens Bank ) and found no information pertaining to letters being sent in error. I went to Citizens One XXXX page and found other people complaining about receiving the same letter and not being able to get through to any representatives. Further action IS needed. Was there a data breach? Has their system been hacked? Did someone take out an account in my name? We, as consumers, need more information than just " no further action is needed ''. We need to be aware of any issues that could lead to our data being compromised so that we can take the proper steps to protect ourselves.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Early in XXXX I was ready to make my XXXX payment. When I went to do so my payment had increased in excess of XXXX XXXX a year. After numerous calls over several weeks and and a runaround I was finely able to find out it was an escrow increase? I paid the additional escrow in addition a few XXXX extra to accommodate the additional few XXXX that was still added. I have yet to receive any explanation for the additional money my mortgage has been altered without notification or description. Furthermore my loan document its state a specific amount for monthly payments. I also downloaded a program where it appears from XXXX the payment to escrow that have not been made by the company ) the emailed description the are doing nothing other then creating extra interest. Perhaps I am wrong with this but after a month and a half plus and hours with the company with nothing mailed even after requesting on every phone call after every runaround answer documents be mailed to me.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I mailed a VALIDATION letter to Citizens Bank on XX/XX/XXXX. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company delete this credit card from my credit as its causing me distress. I DO NOT owe the balance of as reported or any other updated balance that Citizens Bank currently alleges I owe for Account Number : due to the following : Citizens Bank has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed in XXXX. Citizens Bank only provides a card agreement which is NOT a signed contract. Account was paid in settlement, closed, and agreed by creditor to be paid for deletion. Creditor has not held up agreement to delete from credit report per terms.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A