Date Received: 2021-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I have no idea what this account is. I HAVE NEVER applied for any account with CITIZENSONE Bank and have never had a account with this bank. This inquiry along with this account has NO merit, it has been reported to XXXX Police Department XXXX XXXX XXXX. This account is the result of fraud.
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I have no idea what this account is. I HAVE NEVER applied for any account with CITIZENSONE Bank and have never had a account with this bank. This inquiry along with this account has NO merit, it has been reported to XXXX Police Department XXXX XXXX XXXX. This account is the result of fraud.
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for a XXXX XXXX {$600.00} promotion online in XX/XX/2020. The offer said you get {$300.00} when you open a new checking account and direct deposit {$500.00} or more within the first 60 days. The first part of this offer I completed on XX/XX/XXXX by submitting {$600.00} direct deposit from my employer. The second part of the offer claimed you get an additional {$200.00} bonus when you open a new savings account and keep a balance of {$15000.00} for 3 months. This was completed on XX/XX/XXXX. When completing both offers, you get an additional {$100.00} for a total of {$600.00} with a payout date of XX/XX/XXXX. Come the payout date, I wasn't provided the bonus. I opened a case with support through their website. They initially said I didn't qualify for the bonus because a direct deposit wasn't made within the time period specified. This was incorrect and I provided them details about the direct deposit my employer made within the first 30 days of account opening. I opened a second case and now they are telling me I don't qualify because the checking account was closed. I wasn't provided any notifications, emails, phone calls, letters in the mail, or anything regarding my checking account being closed or in bad standing. Banking support was a pain to work with. I was hung up on after waiting 30 minutes on hold to get some support about this issue. I took to the messaging system which would just not work at all on some days. Unfortunately, it was a bad experience overall and a waste of time.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I WAS TOLD I BELIEVE THE DATE WAS XXXX/XXXX { GIVE OR TAKE A DAY OR TWO WITHIN THAT DATE } THAT CITIZENS BANK WAS FINALLY GOING TO CORRECT NEGITIVE INFORMATION ON ALL THREE CREDIT BUREAUS. AND GIVE ME AND MY HUSBAND A GOOD WILL ADJUSTMENT AND THIS WAS GRANTED ON XX/XX/XXXX BY CITIZENS AND THE NEGITIVE INFORMATION THAT THEY HAVE BEEN REPORTING FOR THE PAST2-3 YEARS WOULD FINIALLY BE REMOVED/UPDATED. I WAS ALSO TOLD THE SAME INFORMATION ON XX/XX/XXXX AS WELL. BUT WHEN I CALLED THE FOLLOWING WEEK I WAS TOLD THAT WAS NOT TRUE THEY WERE NOT GOING TO DO THIS AND THEY SAID THEY NEVER TOLD ME OTHER WISE. I HAVE REQUESTED SEVRAL TIMES THAT THEY PULL THESE PHONE CALLS OF THEM TELLING ME I WAS GRANTED A GOOD WILL ADJUSTMENT AND THIS WAS SUPPPOSEDLY SENT TO THIER RESEARCH DEPT. I HAVE YET TO HEAR ANYTHING I WAS TOLD SOMEONE WOULD CALL ME AND I HAVE HEARD NOTHING. THIS IS NOT THE FIRST TIME CITIZENS HAS LIED!!! I NEED THIS INVESTIGATED THIS IS DRASTICLLY HURTING MY CREDIT REPORT AND I NEED THEN TO GRANT THIS ADJUSTMENT LIKE THEY SAID THEY WERE GOING TO. I HAVE BEEN DISPUTING THIS WITH THIS COMPANY CONSTANTLY FOR THE PAST THREE YEARS A LENDER SHOULD NOT BE ALLOWED TO DO THIS TO ANYONE!
Company Response:
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX at XXXX I received a text message from Cittizens One Credit regarding a Fraud Alert for my credit card asking me if I had attempted to charge XXXX at XXXX. I responded no and received a phone call from Card Security within 5 minutes informing me that multiple charges were made on my account that prompted a fraud alert. I had not used the card for any of the charges on that date. Some of the charges were on the internet and others were in XXXX. Florida. As I told Security I was in XXXX XXXX, North Carolina where I had been since the end of XXXX. Security stated that they would close the account and send a new card. I requested that it be sent to my North Carolina address in addition to an affidavit regarding the fraudulent charges. I received a new card that had been forwarded from my Florida address in about 3weeks. I did not receive any other documents and called security several times and was told that an investigator would contact me. On XX/XX/XXXX I received a letter that the investigation was complete and that I was responsible for XXXX XXXX charges. I called the number on the letter and it kept dropping my call. I used the main number to contact security who informed me that no one was at that number and they could not directly contact an investigator and had to forward a message. I asked how they could conduct an investigation without speaking to me and was told that a POS was used on the charges in Florida. I said I have the card in my possession in North Carolina. Security said they would leave a message for an investigator to call me in their system. To this day I have never received a call. I sent a written dispute of charges on11/30/20. On XX/XX/XXXX I received a letter that I was responsible for {$8100.00} by XX/XX/XXXX because the card was present and inserted in a POS. They suggested that I contact the merchant in Florida. As I have previously stated I was in North Carolina from the end of XXXX until the beginning of XXXX. The card that was delivered to me never left my possession. I have included copies of credit card statements with charges I made in North Carolina on XX/XX/XXXX in XXXX, North Carolina and XXXX XXXX, North Carolina at several businesses. Please help me resolve this distressing situation. I have always paid my bills and would never charge this amount on my card. I have no need for auto parts as I drive a new car. I have an excellent credit score and would never make a fraudulent charge.
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX19 my automatic payment was not withdrawn from my account and I reached out to the finance company and they said it was an error on their end, because of this error I incurred a 30 day late payment which was not my fault.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX Citizens One notified me of an escrow surplus of {$7500.00}. The first week of XXXX I contacted them to let them know that I had not received the check. They said they would cancel and reissue. The third week of XXXX I got a form in the mail from Citizens One indicating that they could not issue a new check without me completing the form. I completed and returned the form to them the next day. XX/XX/XXXX I contacted them to let them know that I STILL had not received a check. They told me that everything was okay and they had mailed the check the previous day. XX/XX/XXXX I attempted to contact them via phone but they no longer answer their phones -- instead I had to accept an appointment for a callback on the XXXX. XX/XX/XXXX I get a call from Citizens One. They tell me they did NOT in fact mail the check in XXXX, and can't tell me when they will.
Company Response:
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This account is current, I am not sure as to why this account is reporting to XXXX and XXXX. The account is Up to date and was paid in full before being reported. XXXX XXXX reported the account for Account Abuse ; Any amounts owed have been paid Date of Closure XX/XX/XXXX Original charge off amount : {$260.00} Closure status : Paid in full Closure status Date : XX/XX/XXXX
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Citizens Bank charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on XXXX the account is now on XXXX after being paid in full this account on XXXX is stopping me from opening others bank account due to the false information still on my XXXX account I would like to have this information removed off of my XXXX account
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A