Date Received: 2020-12-01
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/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. On XX/XX/XXXX, CITIZENS BANK 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.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
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/XXXX, CITIZENS ONE AUTO FI add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX 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.
Company Response:
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I XXXX XXXX made an attempt to settle this debt, on XX/XX/2020 i was told to mail a check of XXXX to an P.O BOX, Citizens one bank failed to check their mail boxes upon arrival of my check .I have proof of the signed check in which they denied, yet they returned my check 3 months later back dated XX/XX/XXXX XXXX Back In XXXX XXXX notice sent pursuant to Fair debt COLLECTION Practices Act ( 15 USC 1692f ) stating claim and dispute and validation request, in return my check was mailed back months after on XX/XX/XXXX after recieving my debt of validation letter and cease and desist .Under ( 15 USC 1692f ) UNFAIR PRACTICES section ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of mails or telegram, except that a debt collector may use his business name if such name does not indictate that he is the debt collection business.They 've also violated ( 15 USC 1635 ) ( 15 USC 1692b ) ( 15 USC 1692 d ) Harassment ( 4 ) AND ( 3 ) Reporting my information to reporting agencies or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) .. Please remove this account off my name
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XX/XX/2020, CITIZENS ONE AUTO FINANCE add a hard inquiriy on my credit report per XXXX. On XX/XX/2020, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX. 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: 29707
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: About a month ago, I received notification from Citizens One Home Loans that my COVID-19 loan forbearance plan was ending. I logged on to the loan servicing site, where I requested an extension of the forbearance period due to continued hardship, as is detailed in the CARES Act. Today, XXXX/XXXX/20, I received a letter stating that I am behind on my payments and required to pay over {$5000.00} by XXXX. When I first filed for forbearance, the request was processed immediately. Now, after several weeks, the servicer is displaying a message that my request is " under review. '' I believe that the servicer has deliberately delayed my request as an attempt to pressure me into paying the entire amount, even though the CARES Act states that I can extend the initial forbearance period for up to another 180 days.
Company Response:
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For the past several months I have been signed up with Citizen Ones auto draft service. Citizens One Mortgage failed to take out my auto draft payment of {$560.00} on XX/XX/2020, which made my payment late. I ended up paying it manually through the app on XX/XX/2020 and shortly received a confirmation email stating that my payment of {$1100.00} would be drafted. This was alarming because two payments had been made. I initially contacted Citizen One during working business hours to correct this issue and was told I would have to wait several days for someone to contact me because of restrictions due to COVID-19. This prompted me to contact my bank at XXXX and inform them to cancel the payment being processed of {$1100.00}, so my account would not be overdrawn. XXXX stopped both payments initially and {$560.00} was returned to my account. When Citizen One contacted me later on in the week I informed them of what happened in which the representative stated since both payments had been stopped I needed to still make a payment for the month. The rep also stated I would need to pay a {$30.00} late fee which brought my payment to {$590.00} which was made on XX/XX/2020 and deducted from my bank account on XX/XX/2020. I also received a confirmation email from Citizen One stating my next payment was due on XX/XX/2020. After checking the mortgage app for Citizen One I discovered they are stating a payment had not been made on my account since XX/XX/2020. I have been on the phone with multiple representatives and supervisors, each can not tell me what is going on with my account. They claim the payments for XXXX and XXXX has been placed in a suspense account, which was done without my knowledge. There were no partial payments made for this to happen. There was no issues regarding my account until XXXX. However, they claim they returned {$590.00} to my account and I would still need to pay for XXXX, which is not correct. Customer service appears to be inexperienced and no one can tell me where my payment is for the month of XXXX or why XXXX and XXXX are now in a suspense account. This has been reflected on my XXXX account balance for each month of payment, including XXXX. Each representative I talk to gives me a different reason and each time I am told to pay for the month of XXXX, even though it has been paid and reflected on my account. Please note, I acquired my bank statements from XXXX for the month of XXXX, XXXX, and XXXX which reflects payments have been made for those months. I will not get my new statement for XXXX until the XXXX of this month.We are disputing two different amounts. Initially {$560.00} was returned to my account at the beginning of the month, but a payment was made to them again on the XXXX for {$590.00}, which was not put back into my banking account with XXXX. I have now been turned into their collections agency for non payment when they have received a payment for every month they are disputing. I have been in touch with XXXX from the Chairmans office over my complaint with the XXXX, who has instructed me to throw away documentation stating they are going to foreclose on my home. Nothing has yet to be resolved and I was told to just keep making my payments. I have received documents every day stating I owe {$2300.00} and it needs to be paid by XX/XX/XXXX. Nothing is being handled accordingly and I have even faxed them bank statements. I am almost ready to obtain legal counsel so I do not lose my home over their crucial error.
Company Response:
State: WV
Zip: 259XX
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I submitted a complaint to the CFPB in XX/XX/XXXX and Citizens/Charter which is coincidence because my aunt before her passing used to do business with Charter bank. XXXX XXXX XXXX and XXXX XXXX. I requested a total and permanent XXXX discharge and the company agreed. They were suppose to send a 1099 at the end of XXXX requested a XXXX in XX/XX/XXXX. In the complaint the company said it was a shiff in bank policy but did not indicate what the XXXX was. Id like to know my rights and get the debt discharged under total and permanent XXXX so It doesn't come back up. However she did indicate that they were in XXXX status but didn't elaborate what my options were. Old loan with previous lenders such as Chase bank have surfaced and their is a discrepency if they were federal loans or private. Gross privacy violations are associated with both.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I feel Citizens One Auto Finance of Citizens Bank wrongfully repossessed my vehicle. The morning of Saturday XX/XX/XXXX, my wife and i returned to the house after running a few errands and saw our truck missing. I went to the neighbors who had a camera over there driveway and saw that the truck was towed. We just paid our car payment the day prior which is well before it is due. We called our bank to verify this payment was sent, as well as the prior few months. All seemed good. We called the financial institution our car loan was through and they didnt give us much info before they forwarded our call to their collections department, which was closed for the weekend. We called the collections department Monday XX/XX/XXXX. They informed us that we missed half a months payment ( {$530.00} of {$930.00} XXXX in XXXX XXXX. After looking into this, we did in fact split our payments that month and accidentally sent the second half of our truck payment to our car loan. We received no notice of this discrepancy. Since we were then delinquent in our payments at that point, the company chose to revoke the two approved deferments we received in XXXX and XX/XX/XXXX ( my family XXXX at that time ). When Citizens Bank revoked these deferments, they shifted our payment history left, and they made it look as though we had been 60 days delinquent since XX/XX/XXXX, and then 90 days delinquent since XX/XX/XXXX. Again, we received no notice of any of this. When we asked the company why we werent notified, they said they sent notification to addresses that we hadnt lived at since XXXX or earlier, and these addresses were never associated with the loan. The also said they were calling a phone number we havent been associated with since XXXX as well. At this point they informed us that our vehicle had been repossessed and it would cost {$4900.00} to make out account current and get our vehicle back. We had 23 days to do this. Long story short, we had to sell our serial numbered collectors XXXX for half its worth, and we also received an XXXX loan in order to get my truck back. We did get it back though and the loan is current. I will also add that neither my wife nor I have ever defaulted on any loan. Both of these vehicles were within a year of being paid off and the one that was repossessed was at 0 % interest. From my understanding, the bank did not have to do this. They could have taken our credit history into account and properly contacted us in order to settle the discrepancy. I feel the bank decided to repossess the vehicle in hopes that they could get double their money when they sent it to auction if we couldnt pay the required amount. They have also raised our interest rate because of this and we now owe almost {$10000.00} more which adds another year to the loan. If you also include the late fees they charged us, they will now make an extra {$11000.00}. The repossession also hit our credit after only a week when we had 21 days to get the vehicle back.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
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: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased two flight tickets from XXXX using my Citizens Bank credit card. ( XX/XX/2020 ) XXXX kept changing my flights, and at first I accepted the options because it was reasonable. But then they changed my routes again, and again ... So I had to cancel my tickets. I believe under federal regulations they have to give me my money back in full if an airline cancels a flight and offers no reasonable alternative departure. And believe me, those alternatives were not REASONABLE. Please help me! I send XXXX emails asking for a refund months ago and still I have no answer. ( XX/XX/2020 ) After that, I send Citizens Bank emails ( on XX/XX/2020 ), with screenshots of the purchases I made, but they refused to give me a refund after they finished their investigation. ( They finished their investigation on XX/XX/2020 ) The original two flights with XXXX.XXXX costed {$510.00}, and {$270.00} and the first new itineraries {$140.00}, {$91.00}, {$23.00}. This I was willing to accept, BUT they changed the routes again, and added more and more unreasonable " options ''.
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A