Date Received: 2023-10-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: recieved couple of letters saying my account was overdraw and needed payment. last letter was XX/XX/2023 from citizens bank XXXX XXXX XXXX XXXX XXXX, RHODE ISLAND XXXX
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was approached with an chance to invest in an account and told to wire funds to start and open an account I did that and few days later I was sent account number and code to see account when I tried to transfer funds I was told to pay an activation fee which I did sent another wire when I tried to make a transfer I was told I needed to pay a card fee and a licensing fee which I did sent another wire when I tried to withdraw I was told tax dept put a hold on account for unpaid taxes so I sent another wire once again I tried to withdraw only to be told government drug enforcement determined my name show illegal activey and I needed to pay for a back ground history for my name to clear it and have account released at this point I was completely out of money so I told them I would get back to them that is when I contacted payback for help and during this whole time period not once did Citizen Bank ever ask if I was sure about these wires
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: I became XXXX due to a grade XXXX XXXX XXXX in XX/XX/2022. I have tried to get this loan discharged through the " Total XXXX Discharge '' process, which has been a nightmare. For comparison, i have done the same process through XXXX which has been approved and was painless. XXXX XXXX XXXX and Citizen have refused to help me get this processed and have now told me I'm out of luck, even though I can not work and have a XX/XX/XXXX. Because my SSI review is in 3 years and not 5-7 they have closed the door on any hope of this getting discharged, but SSI says this is normal for someone my age to be rechecked in 3 years regardless of it being XX/XX/XXXX. Most lenders will have a back up option where a doctor will fill out a form explaining more about the diagnosis and what to expect, etc.. not Citizen. They truly do not care.
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Our homeowner 's insurance carrier declined to renew our coverage after we tried to use it ( we had made 2 claims ), so we obtained new homeowner 's insurance through XXXX XXXX, by XXXX. Our insurance is paid by our mortgage servicer, Citizens. On XX/XX/XXXX, I used the tool available through the homeowner 's insurance website to send proof of the new insurance coverage to our mortgage servicer. I received an email confirming that the proof would be sent to the appropriate email address, XXXX. I did not receive any other communication regarding the insurance from Citizens. On XX/XX/XXXX I received two letters. First, I received a letter from Citizens, dated XX/XX/XXXX, a " second and final notice '' which says they have not received proof of my homeowner 's insurance coverage. Second, I also received a letter from a debt collector regarding an unpaid debt owed to XXXX XXXX XXXX of New York. My mortgage servicer failed to timely pay my homeowner 's insurance premium, even though the information was submitted to them in the manner they requested, and then they failed to inform me in a timely manner that the information had not been received- I didn't find out until the same day I was contacted by a debt collector.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: On XX/XX/23 we checked into XXXX XXXX in XXXX XXXX XXXX. At the time of check in they insisted that we go to the presentation in the XXXX on XX/XX/23 to get updated books. After the presentation XXXX XXXX ( Sales Assoc ) asked us if there was anything we would like to change on our program. We responded with nothing that we know of and were currently happy with everything. He then proceeded to tell us that our Silver VIP status was to expire at the end of 2023. He said he would speak to management and see what he could do for us. Management said that we needed additional XXXX points to achieve and maintain our Silver VIP status forever. Management wanted to know what our current monthly payment was. We told them {$260.00}. He then proceeded to ask us would we be able to afford additional $ XXXX {$60.00} per month. We responded with yes. So, my husband and I asked how all of this was going to work. XXXX had management pull our current contract and it showed that we owed {$14000.00}. With a mortgage modification our payment would of went up approximately {$60.00} per month over what we were paying. The figures that we spoke about with XXXX would have been a total of {$19000.00} which included the current mortgage of {$14000.00}. I have listed below what we were told we were getting with the mortgage modification. {$14000.00} Current Contract {$4400.00} Silver VIP Status XXXX points {$19000.00} Total Finance on XX/XX/23 XXXX XXXX asked if we wanted to proceed with the changes and we told him yes. When they ran XXXX social security number, he had his credit locked so it was denied. So, they proceeded to run mine and it was approved, and I electronically signed everything that I thought was correct based on what we had discussed for over 4 hours with XXXX XXXX. Which was a total amount of {$19000.00}, which included the {$14000.00} ( our current loan ). XXXX and I thought everything was okay until I received a phone call on XX/XX/23 from Citizens Pay stating that we had an overdue payment on a balance of {$19000.00}. I told them I didnt know what was going on and could I call them right back after I made a few phone calls. I proceeded to call XXXX, who had our original loan, and they told me that the account still had an approximate balance {$14000.00}. We thought the mortgage modification was with XXXX, who was the current lender. I didnt realize they opened up a total separate loan with Citizens Pay. We would have never paid {$19000.00} just to upgrade our account to Silver VIP. I still currently have Silver VIP status until the end of 2023 from my original contract. We were told that the payment would only go up {$40.00} to {$60.00} a month total over what we were paying now. This new loan with Citizen Pay has a monthly payment of {$570.00} per month for 7 months and then goes up over {$700.00} with a 22.99 % interest and they didnt pay the original note {$14000.00} off. We believe that there has been negligent & fraudulent misrepresentation from XXXX XXXX ( Sales ), XXXX XXXX ( Finance ), and management that took part in the transaction. I have tried several times to call XXXX and XXXX and to this date have never received a phone call back. I have also tried to get a hold of the Project Director of Sales at the XXXX XXXX XXXX XXXX in South Carolina. I can not get anyone that will tell me who has this position. They keep sending me to a voicemail in sales and no one calls you back. I really feel like we were totally taken advantage of. We are retired and are on a fixed income at can not afford an additional {$540.00} with an increase to over {$700.00} per month on top of what we are paying XXXX at this time. This was presented to us a mortgage modification with a total loan amount of {$19000.00} which included the {$14000.00}. I would like for XXXX to credit Citizens Pay back the {$19000.00} ( includes fees on the loan ) and put our account back to the status that it was prior to XX/XX/23. Right now, we have two loans since they didnt pay off the original to XXXX for {$14000.00}. They clearly stated that this would be a mortgage modification and our payment would only increase $ XXXX {$60.00} per month to keep our Silver VIP status after it expires at the end of the year. Instead, they opened another line of credit with Citizens Pay and was paid {$19000.00} and didnt even pay off the original loan of {$14000.00}. We have good credit, and I dont know how we are going to be able to take on this additional payment each month. We have filed a complaint with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Citizens Pay , South Carolina Real Estate Commission , & South Carolina Consumer Affairs. They all have excepted our complaint and assigned complaint numbers but really hasnt gone anywhere because XXXX, according to Citizens Pay, has been very slow in responding to their request. The response from XXXX that XXXX sent is that the account is being investigated. I have not received anything back from South Carolina Consumer Affairs except the acceptance to investigate. I have a complaint number assigned from South Carolina Real Estate Commission but have not heard anything else back. I really need to get this complaint rolling as fast as possible. I found on the South Carolina Consumer Affairs website that XXXX XXXX XXXX XXXX XXXX, has several open complaints labeled Potential misleading deceptive practices false promises. There are two other complaints besides mine that were filed this month and several others from earlier this year and last year. These deceptive sales techniques need to stop. What I would like is for my account to be put back to the status it was as of XX/XX/23. My daughter XXXX is helping us with this complaint. Therefore, I would like her to be copied on all responses. My husband and I work very little with computers so we are having her help us. Thank you and we look forward to hearing from you.
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was sent an email that acct closed and a check was sent to the address on file. I have owned this house and lived here since XX/XX/XXXX. After weeks of not getting the check, I was told it was sent to the state as abandoned property./ I spoke with a woman the very next day I got the email that the acct was closed and she confirmed my address that it was sent to XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX I contacted the ceo office since my son was depending on the fund which he has paid for my inhome help and other living expenses Got an email and called several times with no response I was never informed of the intent to close the acct. This is not a checking or saving acct that has regular activity and the cd just renewed XX/XX/XXXX. The agreement was I had no acces since my son paid my bills and for houseasssitant due to my age and several health comlications and medicaid could not find help. The acct was not abandoned and their email states it is closed and check sent to address on file so they have my address
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a line of credit account that is not mine
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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: XX/XX/XXXX, I took a taxi in XXXX that charged me XXXX XXXX and paid with my Citizen 's bank Mastercard. ( Receipt attached ) As you will see in my statement, attached, there are two back-to-back transactions : XXXX Sum-Up XXXX - {$2100.00} ( this is fraudulent and in the claim ) XXXX XXXX - {$24.00} ( this is the ok taxi charge ) XXXX XXXX, XXXX - I opened a case with Citizen 's bank # XXXX and spoke with Customer Service Rep XXXX. XXXX XXXX, XXXX I followed up with Citizen 's bank and an associate by the name of XXXX gave me the following Claim number : # XXXX -XXXX XXXX I received a letter dated XX/XX/XXXXXXXX stating that my claim was denied. The bank has failed to show proof of such a large transaction which usually requires identification and a signed receipt- {$2100.00} transaction. The bank is failing to attend to my claim and dispute. Thank you for your help,
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX ( XXXX ) ( the Company ), with the design, development, manufacture, promotion, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains.
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had issued a check to my Citizens Bank account which ended up bouncing due to issues with my employers bank account. Fast forward a week, i put another check in my account and instead of putting the check in my account they froze it. Turned my card off and locked me out of my money. Without a phone call, email or any other type of communication. The check cleared and was in my account but not available. It had also been removed from my employers account. They have since told me they can not release my check until a week from now for whatever reason. I also am unable to check my account to see the balance. Cant use my card to buy anything. They have also decided that on the XXXX they are going to close my account of 10 years for reasons I am unsure of. I took what I had in my account out but am waiting for them to take my check off hold and take it out too. Never experienced such bad banking in my life.
Company Response:
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A