Date Received: 2020-12-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Citizens Bank charges {$250.00} to subordinate a Second Mortgage which is fine but they will not allow the borrower to pay the charge within the closing documents and the borrower can't pay directly. It can't be shown on the LE as a borrower-paid charge per Citizens. the charge must be paid by the lender or the broker which is me. So I'm having to pay a fee that isn't on the LE out of my own pocket which seems a violation of the law. I've attached the 1st page of their instructions stating the fee and who is to pay and how it can't be on the Loan Estimate.
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This is an issue concerning my online bill pay with Citizens Bank. On XX/XX/XXXX I made a payment to Ally financial in error, I no longer have a loan with that company. On XX/XX/XXXX called Citizens bank to see how to resolve the issue and the informed me I needed to file a complaint for them to get back the money from XXXX. A couple of days later I attempted to set up a payment for XXXX through online bill pay, but online billing was locked. I called the number provided on website and unlocked account through XXXX. I set up payment for XXXX to be made on XX/XX/XXXX. On XX/XX/XXXX I noticed that payment had not gone through to XXXX. I called Citizens and the said that the payment was returned by vendor and I needed to speak with them. I spoke to XXXX and they said that the money had been frozen by Citizens and that was why it was returned. I spoke with Citizens numerous times on XX/XX/XXXX & XX/XX/XXXX and they said that there was no issue on their end. On XX/XX/XXXX I spoke to XXXX and Citizens numerous times and both said that there was no freeze or block on their end and I could put my payments in the online bill. On XX/XX/XXXX I submitted payments to XXXX, XXXX, and XXXX XXXX for deduction from my checking account on XX/XX/XXXX. On XX/XX/XXXX I noticed that money had not been deducted from my checking account. I called Citizens, XXXX and the places I submitted payments to and they said there was no issue and payment was processing. On XX/XX/XXXX I contacted Citizens to see why money had not come out checking account yet and they first told me it was XXXX, XXXX and National Fuel rejecting the payments. After asking to speak to Supervisor finally someone got on the line and informed that a freeze was put on my bill pays because of the claim that was submitted against XXXX. Citizens said the freeze would be lifted immediately and available online bill pay for deductions to resume by XX/XX/XXXX. They said that I should have been informed when I filed complaint against Ally that it should have been done in a different way to get the money returned and that all my online bill pay would be frozen, I was not informed of eitger of those things.They also stated that I should have received a letter from Citizens after the payment to XXXX on XX/XX/XXXX was stopped. I never recieved a letter about it or how to unfreeze account. I spoke with at least half a dozen people from Citizens over the course 5 days that were completely unhelpful and none of them told me about the freeze on the bill pay instead they kept telling me it was the companies I was trying to pay that were the issue. Because of this my payment to XXXX will be late and will incur interest on the balance. The people I spoke to from Citizens on XX/XX/XXXX told me that they would take care of any late charge or interest incurred because of their mistake. I spent numerous hours dealing with aggravating phone calls and issues not being resolved during these already tough times. I will see if these issues get resolved and charges and fees are taken care of as stated by Citizens. They need to inform consumers better regarding these matters and better train representatives to find and resolve these issues when the arise.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: TO WHOM IT MAY CONCERN, XXXX XXXX XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf of Citizens bank nor do I know who XXXX XXXX XXXX. Im constantly being harassed by this company. PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I found an XXXX seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02721
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2020, CITIZENS ONE add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When I closed on the house everything went smooth rate was good, about a year later they took my school/county tax out twice once in XXXX and again in XXXX XXXX with interest on it ) didnt realize this until I got a letter stating that my escrow account was below where it should be and that they want to either double my payments or make me pay a lump sum. I called my town - county to ask if they received my tax payment they said they received no payment in XXXX so they charged it in XXXX with interest but the mortgage company took the amount out of escrow twice with no refund. Now a year later the same thing has happened school-county has not received my taxes due 2 months ago and now will be recharging me with interest in XXXX
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In my entire ( way too long ) life, I have never encountered a bank in any country, on any continent as pathetically inept and XX/XX/XXXX as the decrepit thing that is called CITIZENS BANK, N.A, the one located in XXXX, RI. Does the CFPB know that in, almost the second quarter of the 21st century, the only way to contact this XX/XX/XXXXdefectives is BY TELEPHONE! NO EMAIL, NO FAX, NO NOTHING BUT PHONE!! My XX/XX/XXXX has forbidden me to speak with call centers because it is deleterious to my health. Heres proof! Phoning gets the customer to cubicles of bogus CSRs in 3rd-world countries, e.g., XXXX, XXXX XXXX, etc. where NO ONE ( and I mean NO ONE ) speaks or understands any form of English that I was taught as my first language from birth. And when I scream repeatedly, " I DON '' T UNDERSTAND A WORD YOU ARE SAYING!! I WANT SOMEONE WHO SPEAKS INTELLIGIBLE ENGLISH!!! ", the answer is ALWAYS : " I speak English! '' Well, how shall I put this? Go XX/XX/XXXXyourself, you useless XX/XX/XXXX! If I can not understand you, then you do NOT SPEAK ENGLISH. This is what the shysters in the C suites of this prolapse bank think is how to treat customers. In the past 3 months, I have closed a credit card account ( with a $ XXXX credit line ) and now a ludicrous checking account with a balance of ... XX/XX/XXXX XX/XX/XXXX US dollars XXXX And it took me XXXXXX/XX/XXXX calls XXXX XXXX XX/XX/XXXX XX/XX/XXXXto finally reach another XX/XX/XXXX in the USA. The first 3rd world XXXX with XXXX leakage ( an alleged manager who is only qualified to lick my XX/XX/XXXX) told me there was no such account with the account number I gave him. Really,XX/XX/XXXX How come the fist-bottom XX/XX/XXXXin the US could find it with no trouble? Why? Because you are a genetically defective mutant whose entire race escaped XXXX and should be extinct. But rather than extinction, these citz bank XX/XX/XXXXPAY YOU A SALARY because they believe that, not only will you SOLVE PROBLEMS, but also engender customer retention. Chew on my XXXX, XX/XX/XXXX! The lyingXX/XX/XXXX in the US whom I interacted with on XX/XX/20 my 16th XX/XX/XXXX phone call told me he had closed my account ( he may have had a human name, but who gives a XX/XX/XXXX what it was? ), gave me a confirmation number [ XXXX ] that he no doubt fabricated out of his XXXX, and told me I would receive the {$6.00} balance in my account by check mailed to the address on file that he confirmed. Lying XX/XX/XXXX. Never have received anything. Never will. I would relinquish my XX/XX/XXXX XXXX XXXX if this company and every XXXX who is employed by it would implode. That's worth XXXX XX/XX/XXXX dollar any day.
Company Response:
State: NY
Zip: 10990
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A