Date Received: 2020-03-08
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: XXXX has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, XXXX as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. XXXX XXXX/XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX/XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} CITIZENS BANK NA Account # XXXX Opened XX/XX/XXXX in the amount {$19000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX UNIVERSITY XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX of XXXX I have been recieving multiple calls daily from XXXX claiming to be citizens bank loan and finance collectors with a call back number XXXX. The name they inquired about was a XXXX XXXX which I do not know who this person is, I have no relation to that name, family, friends or otherwise. I am not a citizen 's bank customer past or present and have never used any services from the company. I notified the company ; by calling the citizens bank customer number provided from XXXX as well as calling the number provided in the complaint, back in XXXX and on XX/XX/XXXX but the calls continued. Usually several times a day ( 2-4 times everyday ) between XXXX and even up until filing this complaint. I attempted to block the number but they continued leaving multiple voicemails each time they called until my voicemail was full. I also notified my phone company. All of this has hindered my local business since clients can not leave a message when attempting to contact me. I have contacted the number several times, ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX ) demanding them to stop. Each time they claimed they would take my number out of their system but I am still being harassed and have even recieved a call as I am filling out this complaint. I did notify them on XX/XX/XXXX that I would be filing a police report if they did not cease their activities.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by a person who reached out to me on a dating website XXXX. This was around XX/XX/XXXX. They proceeded to text, email and phone me for one month, saying they were building in XXXX, and then said they were robbed at gunpoint on XX/XX/XXXX. They then asked me for money to help them, after they had gained my trust. They said I would be paid back after they returned home around XX/XX/XXXX. After I wire transferred XXXX $ to XXXX, on XX/XX/20, they disappeared.I have filed a fraud claim with Citizens bank. I am a XXXX XXXX XXXX and this money is much needed.
Company Response:
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took a Line of credit through XXXX XXXX in XXXX of XXXX. My suddenly passed away in XX/XX/XXXX. I was concerned that I needed assistance to resolve his debt .so I contacted Citizens Bank came forth and offered to pay off my debt. I made an attempt to reduce the principle balances by paying extra monies. Citizens Bank then advised me that I would have to request the application on the check that I send monthly reduce the principle balance by paying extra on the principle payments. When I noticed that the balance was not reducing. It was being applied to the interest only. I am now faced with the possibility of not having the payment that have been made in the past 2 years not being applied properly
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Approximately one year ago, I noticed that the automatic payments in my accounting software did not match the information on the Citizens One Home Loans monthly mortgage statement. I could not match their escrow amount with my escrow amount which is comprised of property taxes and property insurance. I began a process of attempting to determine the property tax and property insurance components of their escrow figure, but was unable to do so. I used their on line resources, but they do not provide the detail specifying the amount of property tax and property insurance for each statement. The consequence of this is that my goal of pay additional principal each month has been thwarted and now I am not where I wish to be with the outstanding balance. This is beside the point that I still have not received the monthly breakdown I have requested. My first request for this breakdown was on XX/XX/2019, and was made to my loan officer, who has been very good at responding and attempting to help. In fact, he is the only one at Citizens who has been responsive. Since that time, I still have not received this information. I have spoken to their office in XXXX XXXX, VA which I was referred to. All they did was provide the exact same information that I could ( and did ) download from the Internet. More recently, I was in contact with the Rhode Island Head Office in XXXX, RI. A XXXX XXXX, who works for XXXX XXXX XXXX, Chairman and Chief Executive Officer of Citizens Financial Group , Inc.. I asked her for the breakdown information, and she refused. I asked for her to send me a letter to that effect and I would forward it to the CFPB. She said I could expect the letter in up to ten days, once it was approved. I called twice after ten days and left messages asking for the status of the letter, and asking her to call me. She did not return either of my phone calls. I then sent an email to Citizens stating that I was taking this action against them.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called CITIZENS ONE on three occasions enquiring about my annual refund from my ESCROW account and was told the check is on its way but to date it has not arrived. I am also querying the AMOUNT which is less than in prior years.
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Money was taking off my card and I been waiting for this money for at least like 3 weeks someone told me I was getting the money back then I talked to someone again and they said Im not getting the money they took from me it was denied sent me a letter saying that my account will remain overdrawn and I opt out of overdrafts then 2 days later someone sent me another letter out saying they credited money into my account which I never received and I been calling everyday for days straight
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citizen bank staff recommended me to apply for a credit card in XXXX.The application is rejected for the reason that Citizen bank doesn't grant credit cards to XXXX XXXX XXXX/ XXXX XXXX XXXX. However, the bank did not specify such information before the application.In fact, in order to earn commission fee, the staff actually strongly recommended me to apply the card, even if she knows that credit card has never been granted to a XXXX XXXX. Citizen bank failed to disclose crucial requirement for application therefore is subject to misuse of credit information. I'm filing this complaint to require Citizen bank to re-evaluate my application based on credit score, not my XXXX XXXX. My Citizen case number is : XXXX
Company Response:
State: MA
Zip: 02215
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I got into an accident in XX/XX/XXXX. My car was declared a total loss in XX/XX/XXXX. This being my first car off the lot and first total loss incident I've encountered I wasn't sure what to do with the payments towards my account. I called the lender my car was financed from ( Citizens Bank ) and a representative specifically told me that I do not need to make payments towards my car loan because they understood it's a total loss and the GAP insurance will take care of it. XX/XX/XXXX came and noticed a derogatory mark/missing payment on my credit report. I've never had a missed payment since I've started building my credit. It came from Citizens Bank ; a missed payment during the time my car was declared a total loss. I called Citizens bank explained the situation, filed a dispute, and my dispute was denied. This isn't fair to me because I was told specifically by Citizens Bank representative that I didn't have to make payments towards my car loan and its because of them Ihave a derogatory mark on my clean credit history.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I opened a checking account at Citizens Bank as part of a bonus offer mailed to my home of residence. Per the bonus requirements, I changed my direct deposit to the new checking account in the amount of {$500.00}. This would qualify for a {$300.00} bonus. On XX/XX/XXXX, I was unable to log into my bank account online. I reached to Citizen Bank customer support via phone and was told my account has been closed. The support representative was not able to provide a reason why it was closed and told me I will be receiving a letter detailing the reason of closure. Furthermore, numerous attempts were made local branches to acquire this letter but were met with the same fruitless responses stating to wait for the closing letter. To present day, I still have not been received any formal notification or letter in regards to why the account was closed, thus effectively denying the checking account bonus offer solicited by Citizens Bank. The action and practices by Citizens Bank should be deem malicious and predatory, as their attempts to collect my personal information and cajole me to direct {$500.00} from my employer direct deposit that only serves to benefit themselves. Additionally, Citizens Bank continues to send me the same exact checking bonus offer to further solicit my direct deposit funds to their bank. Brazenly enough, this Bank has even went as far to off entice me with a personal loan offer for them to pull my credit report information and deny any terms of the offer agreement.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A