Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX i had 3 hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Citizens Bank has XXXX entries on my Credit Report, with different amounts, and showing amounts as written off. These entries are for the same personal loan, which was settled with Citizens for a negotiated amount. This was the result of a sudden medical hardship which left me XXXX. This is the only creditor that I settled with that does not show a status of paid in settlement etc. They are also the only creditor that shows the sold loan as a separate item. Because the amounts are different and credit is not given for paying in settlement, it appears as if it is XXXX separate loans. I have tried to get this reconciled twice through the Experian Dispute Process and Citizens changed nothing ( confirmed through XXXX ). I then tried to get it reconciled through The XXXX XXXX XXXX XXXX for Citizens Bank. I was told that this had been elevated to the credit reporting team and that I would receive their response by mail within 30 days. This process began on XX/XX/2023 with XXXX by phone and email. My last correspondence from them was XX/XX/2023. I have followed up several times by phone and email and have received no response.
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX XXXX took XXXX in XXXX separate withdrawals form my account. I immediately went through XXXX and showed them how the payment was not due until XX/XX/XXXX. XXXX deposited XXXX back into my account on XX/XX/XXXX. Also on XX/XX/XXXX Afterpay took two XXXX withdrawals from my account. That same day after I spoke with them, they deposited XXXX back into my account because Ive returned the product and they werent supposed to take those payments. The XXXX includes a past payment of XXXX that I already made. Citizens bank has charged me at this point over XXXX in overdraft fees. These were unauthorized charges and the companies directly out the money back. They kept saying that they charged me for daily overdraft fees for the time from XXXX until XX/XX/XXXX when XXXX out the money back. Then they also charged me overdraft fees for the transactions I made after that when they are supposed to adjust the transactions correctly because I supposed to have had money in my account at that time before the unauthorized withdrawals that were later our back by the company occurred. Im already in a class action lawsuit against them for overdraft charges and this shows exactly why. My check deposits tomorrow and theyre taking most of my money fraudulently because I didnt overdraft those were unauthorized charges that were paid back by the companies. Please assist me in getting my money and account correct so I can leave this bank. Ive spent a total of XXXX hours on the phone talking to reps and managers until they just hang up on me and absolutely refuse to fix my account. Yesterday they refunded XXXX in fees and I wake up today and they charged XXXX again. They will charge another XXXX tomorrow.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, I was over an ex-friend of mines house and spent the night. I woke up the next day and left. While driving away, I checked my account and seen that XXXX was withdrawn from my account via debit. I also seen a pending transaction from XXXX for XXXX. I did not authorize neither of these. I immediately called my bank and XXXX. The operator told me that it was not an emergency and I dont have proof of who did it so theres nothing they would do. I called my bank and informed them about what happened. They immediately told me that since it was a debit, there will be no refund and nothing can be done not even a police report would help. I tried to cancel the XXXX XXXX withdrawal because it was still in pending status. They said I have to wait until it posts and then put in a claim. I did and they denied the claim.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: I went to XXXXXXXX XXXXXXXX and was taken advantage of during covid.
Company Response:
State: OH
Zip: 45255
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: ** Screenshots of my account plus the 2 payment confirmation emails have been attached to.this complaint** Facts of complaint : Due date was XX/XX/XXXX with 10 day grace period which wouldnhave made rhe payment late as of XX/XX/XXXX. Payments were made on XXXX ( XXXX and XXXX ) for an amount greater than what was due. Customer service was contacted n i was assured ( per Conf # XXXX ) that the below would be waived However, I was charged a late fee of {$21.00} prior to the grace period closing as this bank highlighted in my retail contract that I signed with them. Also, I dont think there is an internal non disclosed citizens bank policy to violate terms of the contract and charge late fees where they shouldnt be charged due to their payment system takes 2 business days to process a payment and doesnt backdate payments to reflect the actual date they were made thereby making their inability to process payments making it appear the consumer is negligent. No bank nor cc company outside of here has this issue.
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Citizens Bank according to the XXXX XXXX says i opened an account and overdraft but the time the account was opened and had those issues i wasn't living in that house i have no knowledge of that account and now i can't open a bank account and citizens let me open a bank account three months ago then closed it the account and tooky money i put down to open account and refuses to give me.any information even after i told them i never opened a account there
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the morning of XX/XX/23 I went to my credit union to withdrawal cash to deposit into my Citizens Bank account to pay my rent online. I got to the drive up ATM around XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, PA before branch hours due to me having to be to work by a certain time. I had {$1800.00} cash on me since my rent was {$1800.00}. I placed my atm card in the drive up atm and started my deposit with {$1100.00} and requested a receipt. Once the confirmation came up that {$1.00} was counted I selected add more cash. Once that happen I was about to put my cash in and the slot to insert more cash started glitching. I kept my remaining balance of {$670.00}. I waited for a receipt, but the ATM said transaction cancelled twice, and returned my card without receipt. The ATM did not provide a receipt as requested, nor did it return my cash. I stayed at the branch checked my mobile banklng and saw the deposit was not credited. I remained in the parking lot until the branch opened. When staff arrived I went inside and explained what happened. The teller, XXXX checked the ATM machine to see if cash was jammed, and it wasnt. XXXX informed me to call number on back of card and file a claim it was nothing they could do. I was told in the branch that this happened before to another client and she filed a claim and received a provisional credit the same day. That same day since it was my last bit of money for rent I called my mother and explained to he what happened. She offered for me to borrow money the same amount that was loss in the amt of {$1100.00} so I could pay my rent. My mother went to her bank withdrew that amount out, and drove to the branch and deposited cash in person. The same day as my claim they cancelled it saying I received credit already for the amount of {$1100.00}. Someone in claims is not doing their job, because that credit was from an in branch deposit my mom made for the same amount ( I have the receipt with the teller and transaction number ). Once I realized that I called again on XXXX and did another claim I was told by 3 different people they sent a re-review request with escalatioin, but everytime I call back nothing is updated in their system. I spoke with a supervisor ( name either XXXX or XXXX ) yesterday in customer service he claimed he was doing a new claim, and called back today fiind out once again nothing happened. I nice representative today named XXXX assisted me and realized after looking at my notes and agreed each representative did not do the notes correctly, which has caused me to be inconvenienced of my money that I worked hard for, and I also need to pay my money back to my mom. XXXX stated he requested a new re-review and added the notes about my mother 's deposit not having anything to do with the atm deposit. This is completely unethical that I have to go through all of these hoops and loops to get my money back, and I honeslty feel like I have been treated so unfair during this whole process. I keep hearing my claims will be escalated, but nothing ever happens. Today is the XXXX, and if I did not borrow the money from my mom this whole mishap would have caused me to get an evicition notice when I had all my rent. I am requesting a credit to my account expeditously this is so unprofessional. Not one person from Citizens Bank has called for follow up, provide information to me, or requested anything from me very unprofessional.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I talked to Citizens prematurely when i inquired on programs if i were to miss a payment in XX/XX/2023. I was able to make XXXX payment and told Citizens to cancel my inquiry as i dont need help and don't need any assistance. Immediately i was bombarded with a loss mitigation status and am being sent foreclosure options even though im not late and told them. In XXXX they said don't worry about it and i replied, i am worried and don't need that on my record because im not late and don't want it. I just found out that even though i have never been late in my payments MY PAYMENTS ARE BEING APPLIED TO FOREBEARANCE INTEREST. Please help me to opt out and remove the forbearance as i requested removal from the citizen bank unemployment forbearance program because Citizens is charging extra compounded interest. i need to have this entire loss mitigation removed and my account corrected. I need my mortgage account to be reviewed for accuracy. For months i have been fighting this and I thought it was over but when i went to pay extra on escrow i was told my account is in forbearance and that i wasn't permitted to do that. I called around and someone in Loss Mitigation helped me thru making an escrow payment. However i don't think it was applied correctly since i am coded in their system as being in forbearance. I am experiencing collection/loss mitigation calls and solicitation to foreclosure options and its not fair they are charging me forbearance interest and wont allow me the option to opt out. I never wanted any program and should have the right to opt out after months of calls to them. I have never been late and thought it was easy to correct this forbearance issue. For months i have been fighting this and need fairness and integrity. MY PAYMENTS ARE BEING MISAPPLIED TO FOREBEARANCE INTEREST due to the unemployment forbearance that they wont remove. I cant get get a loan. My credit has been affected from Citizens putting this on my credit report. There are ample notes in their system that i have called and canceled this inquiry on the unemployment forbearance in XXXX. XXXXI can't afford to pay the balance that will become due at the end of the forbearance period and need the payment applied correctly and not towards forbearance.
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I called the day the insurance company mailed the check, XX/XX/XXXX, to find out what to do with the check and what documentation would be required. I was specifically told not to endorse the check ( confirmed 2x ) and requested contractor documents. I was told no information could be provided until the check was received. Called XXXX after express mailing check, XX/XX/XXXX, to find out next steps. Was informed the check needed my endorsement and this type of loan requires additional contractor package. These were both to be sent back XXXX to me. I received the check on XXXX, still no contractor documents. Too late to call so contacted Citizens Bank XX/XX/XXXX, after XXXX XXXX holiday. The date of loss was XX/XX/XXXX, so now the insurance company wants to know why the check hasn't been negotiated or work started. The HVAC was destroyed and is leaking down the cabinets and wall of the kitchen. It would seem to me these documents could be emailed but, they said they would XXXX them... again. This is the 3rd time of record they have them being sent. I check the mail every other day and my neighbor lets me know when packages are delivered. I would think Citizens would want to protect their collateral and ensure repairs are started timely. And if I have to pay for it myself, well the mortgage payment might get lost in a XXXX envelope. Apparently those don't have tracking anymore. There's nearly {$100000.00} in damages and I can't live there until it's fixed. I'm sure they don't mind, but my allowable living expenses only extend for so long. I've been told this type of loan requires additional documentation and special handling, I can't use a portal for most things, and have to speak to people after going through push button XXXX and holding for a person that is less than knowledgeable and likely have me calling to repeat the process in a few days.
Company Response:
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A