Date Received: 2023-10-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX - called to close CD upon maturity They said I would have to go into branch. There is no branch in my state. They said a recovery team would call me in 1 to 2 business days. 5 business days later on XX/XX/XXXX I called them again. They said the exact same thing. Now it has been 10 days and I called them today and they say the exact same thing. I filed a complaint with the bank " XXXX '' I let them know I needed my funds. It has taken an hour or more of my time each time I call. They are keeping my money against my will. Thank you and please help. XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27455
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I wrote a check ( via Citizens Bank account personal check ) and put it in the US mail to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the church and was never cashed by the church. However, the check was cashed on XX/XX/XXXX at the XXXX XXXX XXXX. I filed a report with citizens Bank XX/XX/XXXX, which is when I found out that my church had not received the money. I have a claim number with citizens bank which I filed on XX/XX/XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call XXXX XXXX XXXX as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called citizens bank again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.
Company Response:
State: PA
Zip: 15101
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Citizens bank continues to overdraft my account numerous times. Ive had enough! Stop these fees now! Give me an ability to freeze my account so I can control my balance. Please return my money, I am going to file a compliant every single day until my money is returned. This is not an honest business. You tell customers banking is free but then you literally steal thousands of dollars per account each year at an APR of 1000 % +. This is not a bank this is a mafia.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Hello, Toward the beginning of the year ( 2023 ) I made a large purchase ( {$35000.00} ) toward a service provider on my business credit card, to which the service was never fulfilled due to internal issues on their end. After much back and forth with the merchant, they eventually agreed to not fight a chargeback on the payment, if I were to submit one through my credit card company ( Citizens Bank ). Once this was established, I went ahead and filed a dispute against the charge made. I have even sent over all the necessary info Citizen 's Bank Claims Department needed, including a screenshot of the email to which the merchant claims, in writing, that they will not contest the chargeback and let the full refund go through. It has been two months since I provided this information to the claims department, and I have not heard anything from them since. I have tried calling Citizens Bank multiple times, to which they explain they can not contact the claims department directly, and that the case still appears to be under " Pending '', however, it is long past the typical time it takes for a case like this to be resolved. I have also tried emailing the claims department email directly " XXXX '', to which I have gotten no response. I have even contacted the merchant to which the dispute is being filed against, and they have not heard a single thing from the claims department.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from Citizens Bank, N.A., XXXX RBS Citizens, N.A XXXX prior to garnishment.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I tried multiple times to set up payment, set up monthly payments multiple times, over the phone and online payments were not going through and after multiple attempts to pay monthly they said I missed to many payments and put a hit on my credit score that lowered it by over XXXX points. I then was forced to pay off the balance in full or risk a harder hit on my credit score. I then disputed with XXXX which boosted my score back up by XXXX points but I believe this should be removed from my record completely and that my score should go back to what it was before the hit.
Company Response:
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Citizens Bank grossly miscalculated my required escrow balance for the past year which caused me to suffer severe financial distress. My mortgage payment increased by XXXX XXXX because they stated that I had a shortage in my account. I called them to clarify last year and I was told that I had to pay taxes in arrears because my property had just been assessed by the tax assessor. When I looked at my escrow statement for this up coming year, Citizens Bank stated they owed me a {$11000.00} surplus for the overpayment of escrow. They grossly miscalculated the City tax I had to pay and have never provided me with my City real estate tax statement. They estimated that I had a shortage of over {$7000.00} and also would have to pay approximately XXXX XXXX in City property tax in future years. Their error was because they failed to consider the XXXX tax abatement that I had due. When I applied for the loan, I asked the loan XXXX repeatedly to provide me with a realistic estimate of the property taxes and he constantly gave me the runaround and also said he was unsure if I would qualify for the XXXX. I also have concerns about the income tax implications from Citizen Bank 's error. Citizens Bank has caused me severe emotional distress during the loan application process and now from miscalculating the escrow. I had trouble all year keeping up with paying bills and incurred significant credit card debt because of the unnecessary financial burden that this bank placed upon me. They need to be held accountable!
Company Response:
State: NM
Zip: 87109
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I deposited a check on XX/XX/XXXX I went to check my account the following day on XX/XX/XXXX to check if my paycheck went thru to which I received the message I was locked out of my account and it was under review. I called them to which they said they put a security hold on my check until the XXXX I waited until the XXXX to access my check and it was still unavailable, I couldnt log into my account still. After walking into a citizens branch to try to resolve this the bank teller gave me a customer service number and then I ended up spending about XXXX minutes on the phone with them again they told me they couldnt help me for about the XXXX time Ive called and so here I am writing this report.
Company Response:
State: MA
Zip: 01832
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: For my monthly bill in XXXX, the payment app was down again along with website, so I had to call and make my payment. I have made every payment on time for roughly 3 years, paying more than agreed. The payment came out of my checking account on XX/XX/2023 Citizens Bank NA Phone paytel {$170.00} is on my bank statement. Which I have photo evidence of. I received a late notice a week later, saying the payment was not made. I called on XX/XX/XXXX and they had told me the payment went into the wrong account and would be reviewed by a superior. They told me to call back in XXXX business days. I did call again and was handed off to several associates several times, spending an hour each time waiting for good news. The amount of times I have called this company is almost in the double digits. Each time, giving several people the same information over and over again until tears start flowing. Citizens keep requesting that I call again in 3 days which I have done for XXXX weeks. Spending a lot of time getting transferred to different associates or being on hold. The conclusion is the same each time, call us again sometime in the future and we will have you wait for nothing while we ruin your credit score. I am concerned that my requests to have this as a " late payment submitted in error '' to the credit agencies are not being followed through with. This is not my mistake and should not affect my credit in any negative way. I appreciate having this option to file a complaint because I have had no luck and nobody to turn to for help. Case Number XXXX
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: i received a XXXX payment from a friend. it has been placed on hold and now citizens is making me wait until wednesday to receive the funds. i have no money and theres zero reason to make me wait till wednesday. i need to buy food!
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A