Date Received: 2020-04-28
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: First, after I bought the new car on XXXX XXXX XXXX was SUPPOSED to pay off my old lien holder involving a car from a car accident ( I didnt have GAP insurance so I owed around {$3000.00} thus why I was buying another car ). They repeatedly dodged my calls and I had to go in countless times to the dealership with my kids just to get an answer. The finance manager at XXXX XXXX ( XXXX ) told me at the end of XXXX that the payment was sent to my old lien holder. XXXX I get a call from my old lien holder asking why they havent received the rest of the payment from me. I assured my old leinholder that the ~ {$3000.00} was sent end of XXXX from XXXX XXXX in XXXX Indiana AS XXXX HAD SAID. XX/XX/XXXX comes, and my old leinholder reported me late for payment. ( This dropped my credit 70 points. Ive been working on my credit for four years and now Im back where I was when I was XXXX ). I go into the dealership again, and XXXX tells me that there was a mistake on my paperwork when I officially bought the car. XXXX told me the paperwork does NOT have anything regarding paying my old leinholder. I thought this was very odd, especially considering I didnt get approved the first time they ran my credit BECAUSE of the amount I owed my leinholder! They had told me they were financing the XXXX on top of the cost of the car. Anyways, XXXX Im at the dealership, I ask XXXX to see their copies of my paperwork and sure enough, its as if there was never any talk of the {$3000.00}. They then handed me a yellow slip that says I owe, promising me a {$3000.00} check. I was told I was being given customer service from the owners wallet by XXXX. Me, being desperate to save of whats left of my credit and pay my leinholder, I pay my leinholder hoping that the closed account would boost my credit. I was happy for a short time until I found out that it did nothing. Turns out, payment history is a significant part of your credit and neither the dealership nor my old leinholder will help me with fixing my credit. My old leinholder asked for a statement on letterhead from the dealership explaining why the payment was delayed in XX/XX/XXXX so they would remove the late payment flag. XXXX said that there was no way he could do that because if they got audited it would look bad. My information was misused when obtaining a car loan as well. Im a XXXX XXXX who attends XXXX full time and receives a lot of XXXX XXXX : I do not come close to making the {$2500.00} a month put on the paperwork. I didnt know the income was inaccurate until XX/XX/XXXX. XXXX XXXX also put several inquiries on my report and say that cant help remove any of them. I wouldnt care if one or two were kept, but they dragged my credit through a ton of banks and now its showing up as a large sum of inquiries. Im desperate to save my credit and I need help. Ive been to all three credit bureaus and have been in full communication with my old leinholder XXXX and the new dealership XXXX XXXX in XXXX IN.
Company Response:
State: IN
Zip: 47374
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I have returned the XXXX associated with this loan and yet they are not stopping harassing me asking for payments.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of a scheme where I was hired as a personal assistant and unknown to me, I was given fraudulent checks in XX/XX/2020. Citizens Bank cashed and accepted these checks without verifying the checks. When Citizens Bank did finally realize these checks were indeed fraudulent it was the end of XXXX/first-second week of XXXX. The bank did not notify me that the checks were fraudulent. I simply checked my account and saw a negative balance. I went to the Police Department in my town and my local bank branch. I have receipts, tasks, emails, texts messages showing that I do not have the money shown. Citizens Bank refuses to address this issue with me and close my account. They denied me access to the account, but took my federal tax refund. They refuse to file a claim and refuse to work with me in anyway to resolve this issue. I have not been contacted by their legal counsel or fraud department. After many phone calls to Citizens Bank, now XXXX, no resolution, and my amended refund is about to be seized by Citizens Bank, even though they will not allow me access to the account. I was unable to update my account information on my amended tax return this resulting in the refund to go into this account. I called Citizens Bank immediately just to receive 5 different answers on whether or not this refund will be seized. I expressed that during this time of pandemic and emergency and being out of work that I need this money and these tactics are unethical.
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been getting charged {$20.00} per month. This has been a free account in the past. We have a mortgage with Citizens Bank that also meets the relationship requirement. I called in. I was on hold for over an hour. When the person came back on she stated she could not hear me and hung up. I would like the funds I have been charged to be re-funded. Thanks
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX i applied for a new line of credit to finance a purchase, however I was denied by the lender ( Citizens One ) based on my XXXX report with the cited reason GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION However, my credit report shows no record of any such negative action. I am not sure if this is an XXXX reporting error or a Citizens One reviewing error, but either way it has created an issue because I am unable to dispute a claim that does not appear on my credit report.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit and credit cards were stolen in XX/XX/XXXX. I have had some success with the credit cards and hope to resolve them, however, I have made no progress with Citizens Bank HQ in RI Money was withdrawn without my permission or knowledge on XX/XX/XXXX in the amount of XXXX Citizens has an ATM daily limit of XXXX or XXXX ( answer varies depending on the agent I speak with ) per day, their tracking number is XXXX XXXX. They denied the complaint but they said they will review if I provided additional data which I did. On XXXX I faxed a letter to them from XXXX XXXX Hospital stating I was in patient XX/XX/XXXX to XX/XX/XXXX. I have yet to master being in the hospital and at the ATM at the same time. Despite this evidence I supplied they still denied my claim Again XX/XX/XXXX-XX/XX/XXXX ATM withdrawals were made without my knowledge or consent in the amount of XXXX. My complaint number is XXXX XXXX which also was denied. Again I sent a letter from the hospital stating I was in patient XX/XX/XXXX-XX/XX/XXXX. This hospital letter was faxed to Citizens also on XXXX. I could not be in the hospital and at the ATM at the same time. Citizens disagrees and again denied my claim. Further complaint XXXX XXXX in the amount of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX are at issue and were denied. Lastly Citizens policy is to limit daily ATM withdrawals to XXXX/XXXX per day ( see above ) yet on XX/XX/XXXX they permitted XXXX to be withdrawn for their ATM ( XXXX XXXX XXXX ) in violation of their on policy. Their responded " no error occurred at the ATM '' also if you want " copies of the documents we relied upon please contact ... '' which I did on XX/XX/XXXX. I spoke to agent XXXXXXXX I was told they had no document and they had combined complaint XXXX and XXXX together. They also have confused XXXX XXXX and the XXXX on XX/XX/XXXX This has been a night mare, long in excess of 90 minutes on hold, several times, only to be dropped Hope you can help, I believed you are familiar with Citizens Bank based on previous class action suits by your agency.
Company Response:
State: MA
Zip: 01609
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Citizens Bank sent me a " Home Equity Line of Credit Statement '' dated XX/XX/XXXX for my HELOC held with them. The " Home Equity Line of Credit Summary '' on this statement indicates a " Corresponding Annual Percentage Rate '' of 4.050 %. However, online - the Citizens Bank website indicates that my " Interest Rate '' is 2.55 %. Also, I referred to my " Home Equity Line of Credit Agreement '' for this account dated XX/XX/XXXX and it also indicates that my interest rate for the statement dated XX/XX/XXXX should be 2.55 %. This discrepancy results in a difference of approximately {$130.00} in favor of the bank. I attempted to call the phone number provided on the statement, was put on hold and then the call was disconnected after six minutes. I then called my local branch, was put on hold and then that call was disconnected after nine minutes. I then attempted to email the bank, but their website does not allow email inquiries related to this issue at this time. Please help me obtain resolution for this bank error. Thanks!
Company Response:
State: MA
Zip: 02118
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
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: Citizens One auto Finance reporting a 30 day late payment on XX/XX/2013. I called Citizens One Auto finance and spoke with someone in their credit department. I was told that the account in question was too old and has been closed. I was wanting details on this late payment they are reporting. I was told that they would be contacting me and refuse to give me any information.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/20, I received a Citizen Bank credit card that I did not apply for. I alerted Citizen Bank and they are investigating the application. They told me to alert the credit agencies that someone had my personal information.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX i contacted Citizens bank to refinance my student loans i had with them. They instructed me to wait to hear back from them. I was simply refinancing through the same exact bank. After many phone calls back and forth asking what is going on and never hearing back. They finally refinanced my student loans. I just applied for a mortgage and found out that they reported a 30 day late on all 3 of my loans that have been consolidated. This is not my fault and this is GREATLY damaging my credit by 100+ points.
Company Response:
State: PA
Zip: 19064
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A