Date Received: 2021-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citizens bank has delayed the fund transferred via XXXX to my account at Citizens. The transfer fund via XXXX between registered recipients normally take several minutes ; however, at Citizens ' bank, it takes three days to deposit into my account. when I asked Citizens to explain the delay, it told me that I didn't register with XXXX. The explanation didn't make sense since I couldn't have been able to transfer via XXXX if I hadn't registered with it. Then, Citizens bank told me that I didn't have a debit card and that was the reason to cause delayed deposit. So, I requested a debit card. Now, with the debit card, Citizens still delays funds to deposit into my account. Citizens didn't address the question or fix the issue after my most recent request.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: An item that I did not purchase for {$170.00}, on XX/XX/XXXX, was charged back to my account on XX/XX/XXXX. I told ( emailed ) XXXX XXXX and Citizensbank several times that I wanted to cancel this purchase on XX/XX/XXXX through XX/XX/XXXX, before the transaction posted to the account. Criminals hacking my phone number, of XXXX, and pretending to work at Citizensbank, refused to cancel the transaction. They told me that I had to let it post to the checking account. That comment did not make sense. There are several convicts copying my phone number, so, they wanted XXXX XXXX to deliver the package and ruin my checking account. I am so frustrated with people copying my phone number and talking to me over the phone. I have contacted and called the local police and the attorney general several instances about this matter. I can not make important calls to banks or creditors.Many of my relatives were XXXX this year and I rarely got to talk to them because criminals were intercepting the calls. XXXX XXXX delivered the package, anyway, causing, my account balance to suffer. After Citizensbank completed the, banking, transaction, I told Lasership delivery service to " please not deliver the package,. " I was dealing with a financial hardship. A criminal pretending to be a representative from XXXX told me that he was not going to deliver the package. They delivered the package anyway. Several criminals were lurking near my home, during this time, as my father was sick. The criminals must-have evaded my home, because several items were stolen during XXXX through XXXX. I was saddened and distraught. They took advantage of my father ' s home while he was ill. Recently, on XX/XX/XXXX, the purchase of {$170.00} was returned by Citizensbank. I keep trying to call XXXX XXXX and Citizensbank, however, their are stalkers and criminals at XXXX, XXXX and some other XXXX speaking countries, intercepting the calls. They are intercepting the calls, so, that I am unable to speak with an, authentic, representative, from Citizensbank, to resolve the issue. I am not certain what is happening with my banking accounts, but, I believe that someone at XXXX, XXXX or XXXX is responsible for these crazy transactions that I am having now. Why they are harassing me? Why are they trying to ruin my life? Why are they stalking me? They might me be XXXX or have a XXXX too.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I lost my wallet around XX/XX/XXXX, XXXX i called the bank to report that I lost my card and for them to block it. On XX/XX/XXXX an unknown person went to a bank and deposit a check without fund for {$340.00} and withdraw {$340.00} on my checking account. called the bank to make a complain they gave me my money back but today XX/XX/XXXX the bank took {$680.00} out of my checking account because they said my claim was denied because my picture id match with the debit card since i already called them to say may wallet with my Id and debit card was lost. i went to a bank they told me about the check that was deposited on my account and the check didn't have my name or my signature and ask to see the camera and they told me that they are no allowed to show me the video. Basically someone just went to bank pretending to be me and withdraw money out of my account and now the bank is refusing to give my money back. i need help.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Problem when making payments
Subissue:
Consumer Complaint: My wife and I are both unemployed we ask for a forbearance which was grant for 3 months. After these three months we where still unemployed and ask for an 3 months forbearance or at least another three months forbearance which we where declined. They sent us a bill to start the repayment it went from {$800.00} to {$1000.00} according to the Care Act they are not suppose to up our bill. I can not make the payment and need help but they refuse to do anything to help. All they did was tell us to stop paying any federal loans and pay them!! I dont have any federal loans!!! I need help not my bill going up. I want to pay my bill but I need some help right now which they are unwilling to work with people that have been impacted by Covid which we did not ask for
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened a business checking account on XXXX XXXX with Citizen 's bank were told the funds would become available in 5 days. called on XX/XX/XXXX to find out if the Funds are Available was told XX/XX/XXXX, I wrote out check on the XXXX for it to come back and bounce on personal account. Tried many times to find out what was going on Called the bank were the check was drawn from they informed me the funds were paid to Citizen 's Bank on the XXXX. As of today XX/XX/2020 Funds still not released and now I am negative on my personal account.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their XXXX XXXX XXXX XXXX they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. Can you please direct me to someone or a company to can look into this matter.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their Chairmen of the Broad they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. Can you please direct me to someone or a company to can look into this matter.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2020, I submitted a mortgage loan application with XXXX XXXX of Citizens Bank -- a preferred lender of the seller. After completing the initial steps of the loan application I received a break down of the closing cost fees associated with the property. One fee that stood out that I had not seen on previous closing quotes was the Transfer Tax ( over {$4800.00} ). This raised a red flag since New Jersey standard has the seller typically pay this fee when transferring the title over to the new owner. I'd also had a quote from another preferred lender that showed this cost as one that was in fact covered by the seller. When I asked Mr. XXXX why this exorbitant fee was listed he advised that this is standard for any new construction. I told the loan officer that everything would be placed on hold until I conferred with my attorney. I immediately declined all documents sent over from the loan officer at that point. I reviewed this with my attorney who stated that the seller was not only responsible but their legal team also confirmed that this was being covered by the builder. Mr. XXXX reached out about a week later to ask where I was at in the process and that he would be scheduling an appraisal on the unit. I told him not to schedule this at which point he replied that my credit card he had on file for the appraisal would be charged {$550.00} even though I had already advised him not to do anything unless he heard back from me. I called my credit card to freeze it and 20 minutes later received notification that he attempted to run the charge anyway. At that point Mr. XXXX started aggressively pursuing me. Once again, I expressed that I did not want this application submitted. A few weeks would go by and Mr. XXXX would continue pressuring me about the loan application. I would ignore his initial attempts in hopes that he would stop reaching out. He did not stop. He would call and email multiple times a week. The next time he reached out, I confirmed once again that I would not be moving forward with Citizens Bank. In fact, I had already processed my application with the lender of my choice. He then insisted on my reasons since he had spent " so much time '' on this. In hopes that he would stop harassing me, I simply advised that his fees were much higher than any quotes I'd received from other lenders. He quickly replied and referenced the transfer tax fee explaining that regardless of what my attorney was stating or other lenders were claiming that I would have to pay this. I did not feel the need to continue going back and forth with him on something that I had already made up my mind about. I called the sellers agent and expressed my concerns on how this was being handled. Not long after, I received the following email from Mr. XXXX ; ****** XX/XX/2020, XXXX XXXX ( 10 days ago ) XXXX, as a follow up, the underwriting department actually just approved your loan and have issued the loan commitment. Ive looped my assistant XXXX in onthis email chain-he can go through the commitment and will outline what we need from you at this point to work towards clearance. If you want us to have the loan withdrawn, just let us know. To be clear-if you really are NOT paying the transfer tax, we will update the figures on our end to reflect that, once we get confirmation from all parties that that is the case. Regards, XXXX ****** Mr. XXXX decided that even after I advised that I would not be moving forward with the application that did not matter. He would process it regardless. Since then, I continuously receive emails regarding my application. Recently I received a " notice of denial '' since I'd stopped responding. On the notice, I am expected to sign off on the reasons for the banks denial of an unauthorized submission from the loan officer. Mr. XXXX listed reasons for denial as " insufficient available funds '' and insufficient financial proof of financial institutions. This could not be further from the truth. This implies that Citizens Bank denied my application rather than me declining to move forward with their application. If I sign off and agree to this -- I receive this message daily -- then it remains on my credit report for 2 years and may also impact the current application I have in place as well as my credit score. I have made several attempts to reach someone in upper management at Citizens Bank loan departments but have been unsuccessful. Loan officer information : XXXX XXXX The XXXX Team NMLS ID # XXXX Loan Officer XXXX XXXX XXXX Citizens Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX Office : XXXX Cell : XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I am XXXX XXXX XXXX. I want to put in a complaint against Ms. XXXX XXXX XXXX. I co-signed a {$17000.00} student loan with Citizens bank on XX/XX/XXXX to attend XXXX College. She was in financial need, and she was my girlfriend that's why I was helping her. We were dated from XX/XX/XXXX to early XXXX. After we were separated, she used my information to take more student loans without my authorization. Here is the list of student loans amount with date and account number. She got all the loans from Citizens Bank and the account XXXX. XX/XX/XXXX, {$18000.00} ; XX/XX/XXXX, {$32000.00} ; XX/XX/XXXX, {$13000.00} ; XX/XX/XXXX, {$4400.00} ; XX/XX/XXXX, {$6600.00} ; and XX/XX/XXXX, {$5500.00}. When I was trying to buy a house in XXXX, XXXX XXXX XXXX XXXX told me that I have too much load on my credit. I had good credit making descent money, but got denied after approving for over {$300000.00} mortgage loan because of her action.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A