Date Received: 2020-02-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a business checking account with citizens. Citizens bank did not properly instruct me on their policies nor did they openly communicate to me about changes on my account. There were also fraudulent transactions on my debit card that they did not resolve. This happened several times with no communication by phone or by US mail. They then froze my account and did not notify me of these changes. When I called the bank to understand why my bank account was frozen customer service stated that they did not have access to that information. This caused great distress to me and my company who provides services to the intellectually delayed individuals. Then I found out the next day on XX/XX/2020 that they closed the citizens bank branch that I open my business account with.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I tried contact with the bank citizen and sent the letter and evidence the bank not received and i called probably 25 times about the fraud of XXXX more fee the bank not give my money back i did the contact with business bureau the bank not did contact with me and not fix the situation, i loser XXXXa lot money and more fee of bank i am not happy with the customer service Clain XXXX
Company Response:
State: NH
Zip: 03060
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: About a year ago our payments to the house were XXXX. and then they went up to over 1500.00 and then XXXX Now they are saying we don't have enough in our escrow account. But our mortgage statement states they charge us XXXX monthly for our escrow account, so in reality, that amount times 12 months is like XXXX, so why is there not enough money? To date I am short they say at XXXX. We initially thought that the insurance was the one overcharging but after we switched over to another company just 2 months ago, our escrow account remains the same. Now we did save some money by about 500.00 monthly on the new insurance but the escrow acct. remained the same. Now I don't want to lose my home,
Company Response:
State: TX
Zip: 79072
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/XXXX the student loan was taken out for XXXX school with my now deceased uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked for deferment or assistance. XXXXRBS Citizen Bank handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting Citizens Bank to stop the attempt collect on student loan that I am not able to pay and my late uncle is no longer here to help. I received notification that Citizens Bank has filed to sue in my State. This loan is over 13 yrs old. I had not finished my XXXX degree. This is ridiculous and unfair. I have not received any notifications or letters from Citizens.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Reviewed XXXX credit report ; Informatioin for Citizens Bank NA ( aka Citizens One Auto Finance ) inaccurately shows the account as " Legally paid in full for less than the full balance '' with the note of " Election of remedy - reported by subscriber ''. This auto loan was included in a Chapter XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. I never elected any payment or settlement and the other two credit bureaus accurately show the loan was discharged in the bankruptcy. On XX/XX/XXXX, I submitted a dispute through XXXX. The dispute was completed and closed however the " before '' and " after '' information are identical ( i.e., no update was made ) and the inaccurate information remains.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Dealing with your lender or servicer
Subissue: Keep getting calls about your loan
Consumer Complaint: I have contacted citizens Bank several times over the years regarding student loan payment. I see the bank has filed a lawsuit against me regarding. My uncle who has been deceased since 2017 co-signed and Im not able to make the payments required. It was originally a predatory loan that was approved. I need to get to bottom to this asap
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Loan No. XXXX I called Citizens One Home Loans on XX/XX/XXXX and sent an email to advise I was having a temporary financial hardship and requested a loan modification/forbearance. I spoke with 2 representatives that day and they indicated they would mail me the paperwork necessary for my request. I did not receive the paperwork until XX/XX/XXXX. I submitted my loan modification/forbearance paperwork to Citizens One Home Loans XX/XX/XXXX. I also forwarded a partial payment of {$900.00} on XX/XX/XXXX. I submitted another partial payment of {$1000.00} XX/XX/XXXX and plan to pay off the remaining owed by XX/XX/XXXX. I just received my partial payment back in the mail with a request for payment in full no partial payments accepted. I have called Citizens One 3 times just today and no one picks up the phone. I have called 3 of their phone numbers and still no responses. Called several times and no answer. I need assistance in getting a response from this mortgage company. Appears they are purposely not accepting payments or calls in order to foreclose on my property. Please let the records show I have done by due diligence in trying to get this resolved and Citizens One is not responding.
Company Response:
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have has a mortgage since XXXX on the property located at XXXX XXXX XXXX XXXX, Wi XXXX. However, in XXXX this mortgage was sold to Citizen One. I always received my escrow check in XXXX so I could pay my taxes in XXXX. This year I did not receive a check. I called In XXXX and they said they would issue me a check. It w XX/XX/XXXX and no check. With that said I received a check today from Citizen One that was cut on XXXX XXXX. Yes 53 days. So I called to see if this check had been cancelled and when the new check was issued. I was told that the new check was issued on XX/XX/XXXX and this check has been cancelled. I have now been on the phone with Citizen One for one hour and they are not sure if they can get me my money in my escrow account. I have about 50 % equity in this home and only did the escrow account as a convenience. This is no longer convenient and they are not releasing my funds or taking this situation seriously. The taxes are due by XX/XX/XXXX and it is the XXXX of XXXX. XXXX at Citizen One on XX/XX/XXXX mentioned it was a communication issue between departments.She said she was going to place me on hold and then expedite me a check after she emailed an internal department. However when she placed me on hold she disconnected me. And in the beginning I verified my phone number. No call back apologizing that she accidentally hung up. I want me money for my Property Taxes Citizen One.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX, 0r XXXX XXXX. I was approached at my XXXX Bank where I am a member by the teller, as I was doing a random exchange, in XXXX. I am a platinum member, and their staff gave me a promotional offer that they were " celebrating '' within their office to apply for a credit card, with Citizen Bank. The bank and I have a ten year relationship. They said I qualified for a credit card for a 15 month 0 percent interest charge ( APR ). The advertising on the brochure was what they call in law school bait and switch and the intent was to get clients to order a credit card. As a member of this bank, i defaulted to trust with them, as it seemed like a good deal, and I told them i would consider it since I had XXXX large purchases coming up. Equaling XXXX dollars. Now, they had the chance to have integrity, as the brochure says nothing about purchases, but, only about an " introductory rate for 15 months for 0 APR '' for balance transfers from other cards. It was trickery and faulty advertising their intent was to bait, and then switch by providing the wording of introductory rate and then later stating for balance transfers, the next page if any page thereafter has the rate for actual purchases being 16.9 percent, which is ludicrous. I called the bank at my second statement because I was under the impression that this new credit card had 0 % for the first 15 months of purchases, and the agents of the bank conveyed this by their lack of disclosure when I stated that I would use it for purchases, and also by their compliance by not explaining otherwise. As to the terms, I do feel this contract should not be upheald and they need to offer me the contract of 15 months 0 % interest, because of the phrasing and the selling of their product to a costumer being vague and cryptic and the costumer having a trusting nature with the bank. It was truly a move I consider of terrible business practice on the part of a bank.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I attempted to deposit {$1300.00} ( XXXX XXXX dollars ) into my personal checking account at Citizens Bank five minutes after the branch had closed. The ATM could not complete my transaction and would not return my cash, instead issuing me a slip that told me to contact my financial institution ( as attached ). I saw an employee still in the building and knocked on the door. He saw my struggles and told me that their software has been recently updated and had led to many ATM peoples for multiple people. He also advised me to call the number. I immediately called Citizens Bank 's customer service number and filed a claim with them for the missing money. I was given the claim number XXXX ( as attached ) and I was told I would hear back in 7-10 business days. On the following Tuesday ( XXXX XXXX ), I visited the branch and told them what happened over the weekend. They advised me that the ATM company picks up the money on Wednesdays and they would call me to let me know when the money was found. I left my name, number, and all incident information with the teller. On the eighth business day ( XXXX XXXX ), I went to the branch to deposit money and asked about my claim as I had received no notification or even acknowledgment thus far. The teller advised me to wait a few more days and that it would probably be posted soon. Today, XXXX XXXX ( 12 business days later ), I went into the branch again and asked about my claim. The teller finally pulled me aside and contacted their claims department personally for me. The teller then advised me that my claim had been denied and the matter was now closed within their company. They told me I was notified of this on XX/XX/XXXX, but I received nothing and had no idea about this.
Company Response:
State: MA
Zip: 02144
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A