Date Received: 2020-08-16
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: The balance on my car loan was financed. The balance was about {$5000.00}. I had been making auto payments of {$160.00} to pay off the balance. But in a review of my balance online, the balance is showing over {$8000.00}. This is illegal.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citizens bank ; They had a promo going in XX/XX/2020 that if you opened a checking account and made a direct deposit of XXXX dollars or more in the first 60 days that you would get XXXX dollars. This was a Citizens bank promotion. I completed what they required to get the bonus and they told me it would be paid on XX/XX/2020. When I didnt receive it then I called them every single day since. I got a hold of a manager that escalated the issue and waited for a callback for a week! When I finally got a call back from natilie she informed me the money would be in my account by Friday XX/XX/2020. I still havent received the bonus. I called them again on XX/XX/XXXX and they put me on hold and then hung up on me. I then called back the same day and they hung up on me again. I still have not received the bonus Ive depended on it twice now and its caused my account to bounce a few times..
Company Response:
State: NH
Zip: 03079
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My name is XXXX XXXX I have Citzin bank account. On XXXX XX/XX/2020 A friend of mine transfer {$200.00} through XXXX to my account the next day on XX/XX/XXXX {$200.00} was reversed I contacted my bank XXXX XXXX and I went to the Branch in XXXX Massachusetts to find out or gresolve this matter but theres no any solutions through XXXX or my XXXX XXXX XXXX and my friend contacted his bank which is XXXX XXXX XXXX there is no trace of this money I would like you to file a complaint to see what is this money one thank you XXXX ( XXXX ) XXXX Email address XXXX XXXX
Company Response:
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The payoff of my loan was received by the servicer on XX/XX/XXXX however they are not considering the payment as received until XX/XX/XXXX. They have acknowledged that the payment was received on XX/XX/XXXX, but they are refusing to post it as of XX/XX/XXXX and have therefore charged me for an additional day of interest.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The savings account that I had with Citizens was an overdraft account and linked to my checking account at Citizens. Well because I had some issues making payments it went to a collection agency. the balance I owed was around {$500.00} and the collection agency offered me a XXXX time payment of {$220.00} which would then make the account considered settled and closed. So on XX/XX/XXXX I made a payment of {$220.00} to XXXX XXXX XXXX. I went ahead and attached the letter showing the account was settled and paid in full and closed. On my XXXX credit report it shows under account status that it was paid and closed. Stating account was paid less than full balance and was updated on XX/XX/XXXX. For some reason XXXX is showing that I owe {$690.00} and the status is Collection/Charge-Off, which is incorrect. The last time it was updated was XX/XX/XXXX.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a line of credit with Citizens Bank that had a {$10000.00} credit limit. I owed them about {$9300.00} and had trouble paying them due to finances. So they ended up giving it to a collection agency. I was contacted by XXXX back in XXXX of XXXX and they contact me and made an offer of {$1400.00} which the account would be settled in full. So on XX/XX/XXXX I made a payment of {$1400.00} to XXXX for the line of credit at Citizens bank which settled the account in full and closed it out. For some reason XXXX is showing that the account was paid and closed with a payment date of XX/XX/XXXX and showing current. For some reason XXXX has not been updated. It is still showing derogatory, showing a current balance of {$9300.00} and a last payment date of XX/XX/XXXX. In the remarks it says charged off as bad debt, profit and loss write off. The status states collection, charge-off.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2020, I submitted my mortgage loan application to Citizens Bank, following the realtors instructions in charge of the property that interested me, located at XXXX XXXX XXXX, XXXX, RI XXXX. The realtor, XXXX XXXX, works at XXXX XXXX XXXX XXXX, and she sent me a link to apply for a loan at Citizens Bank. Once I had submitted my application, a few days after, I came into communication with XXXX XXXX, a loan officer at the Citizens. I felt pressured to pursue my mortgage loan with this bank since the realtor seemed to work with them only, and not for others. At some point, the loan officer requested total fidelity from my behalf ( I have email proof of it ), since I had informed him about some other loan offers with a lower rate that I had received. I had to commit myself with Citizens and Mr. XXXX to work on getting a mortgage loan in order to secure the home that I wanted to purchase. After that, I received a pre closing disclosure showing a certain amount that did not match the actual amount that I had to bring for closing. This amount exceeded not only, but completely, my expectations, and also I had to urgently request a hardship withdrawal from my XXXX account, as I work as a XXXX XXXX at XXXX College in RI. I had to ask for some extra finance support from my family in XXXX as well. I was informed by Mr. XXXX and Ms. XXXX that my attorney for closing was going to be Mr. XXXX XXXX, Ms. XXXX husband, and the same person who wrote the XXXX documents of the condo that I wanted to purchase. I asked later to change my attorney to prevent any conflict of interest, something that was taken with reluctancy by Mr. XXXX from Citizens. The preliminary costs for closing, sent by Citizens Bank and signed on XX/XX/XXXX, were for the total amount of {$10000.00}, discounting the amount of {$5000.00} brought as a deposit, paid before and that went to an escrow account. In other words, after signing that pre closing agreement, I was obligated to bring the amount of {$5000.00}. However, on XX/XX/XXXX, I was informed, via phone call from Mr. XXXX XXXX, that I did not longer qualify for a certain Federal program, citing XXXX XXXX, and that I had to bring around {$5000.00} more for closing, just 10 days before this was scheduled. I asked Mr. XXXX to send me the new Federal legislation on an email dated XX/XX/XXXX, but I did never receive a response from him. I was completely annoyed by the situation, and financially affected, as I am a first time home buyer. Moreover, my purchase and sale agreement had set a date limit of XX/XX/XXXX, for closing, or my deposit would not have been reimbursed, subject to mortgage approval, which it was approved. In other words, I had no other options rather than following the bank new policies, no explanation given, and risking my deposit and the home that I wanted to purchase. On XX/XX/2020, the initial date for closing, I received a closing disclosure, sent from my attorneys office, stating that the cash for closing was {$10000.00}. Once I arrived at their office, that amount was changed from the Citizens Bank, and it actually was valued {$9200.00}, excluding my {$5000.00} deposit. As a costumer, I felt not only pressured, but also part of a very unfair treatment that must be corrected and sanctioned. I was grateful of Mr. XXXX for his hard work, as I expressed to him after closing, but I do not accept his unethical behavior.
Company Response:
State: RI
Zip: 02906
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My checking account was POSITIVE when I was accessed below three fee ( s ) which is in my opinion way way too high. The fee was recently increased to {$37.00} from {$30.00}. I sent bank message from my bank account they never got back to me. SEE ATTACHMENT XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} COVID-19 pandemic I am currently unemployed along with 40 million other folks, any relief at this time would be greatly appreciated. Thank you
Company Response:
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I currently have an open complaint with your company against this bank, # XXXX. They have again changed information on how much I owe and submitted an time extension to you to resolve this problem. I am unable to pay this company without knowing how much I owe and whether this account is paid off. They have reported my account delinquent on my credit, causing my credit score to decrease 24 points. They reported twice within 2 days of each other that I was delinquent. However, The bank website shows {$0.00} past due amount and {$0.00} payment due. Copies of all these documents are attached. I have attempted to contact them and again was told that they agent could not change anything about credit reporting. I am now asking that they immediately make this correction on my credit report before it causes hardship to my finances.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is related to complaint # XXXX filed on XX/XX/2020. The company ( Citizens One Home Loans ) responded on XX/XX/2020. It appears that Citizens has corrected their transaction errors, and adjusted my mortgage balance as well as escrow account. However, I pulled a credit report this week, which shows incorrectly that my XX/XX/2020 mortgage payment was late. This payment was on-time, but rather than posting it correctly, Citizens sent me a check for the full amount. On the advice of one of their customer service reps I held the check for several weeks, then returned it on XXXX. I have asked XXXX to remove the incorrect late payment record from my file.
Company Response:
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A