Date Received: 2019-10-16
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened One Deposit Checking on XX/XX/2019 in response to the attached offer to get {$300.00} when I open a checking account and make a direct deposit of {$500.00} or more within 60 days. Based on attached statement dated XX/XX/2019, you can see that the account was opened on XX/XX/2019, and, based on attached statements dated XX/XX/2019 and XX/XX/2019, you can see that direct deposit of {$250.00} was made on XX/XX/2019 and another direct deposit in the amount of {$250.00} was made on XX/XX/2019. Therefore, total direct deposit of {$500.00} was made within 60 days from the account opening. I called Citizens Bank on XX/XX/2019 and spoke to supervisor XXXX in Rhode Island who told me that there was supposed to be a single direct deposit of {$500.00} not total direct deposit total of {$500.00} within 60 days from the account opening to be qualified for the bonus. As you can see on attached offer, the offer does not tell specifically single direct deposit, it just mentions direct deposit and, as a result, it was my understanding that a direct deposit total of {$500.00} would make me qualified for {$300.00} bonus. On XX/XX/2019 I sent attached letter address to Citizens Bank CEO XXXX XXXX XXXX at the address of XXXX XXXX XXXX, XXXX, RI XXXX but I have not received response as of XX/XX/2019. I hope it was a mistake on Citizens Bank end to omit word single in front of words direct deposit and I hope that that my account will be credit with {$300.00} bonus. However, if Citizens Bank intentionally omitted word single on the offer, this situation may qualify under enclosed Federal Trade Commission Act paragraph Vii. Unfair and Deceptive Practices that states : An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers. A representation may be in the form of express or implied claims or promises and may be written or oral. Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled Acts or practices that have the potential to be deceptive include : omitting material limitations or conditions from an offer
Company Response:
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received an offer in the mail to open a checking account at Citizens Bank here in XXXX, Delaware. I went to the XXXX XXXX location and a gentleman by the man of XXXX ( last name ) opened the account. I was told that I would receive {$300.00} for switching my direct deposit to this bank. I went in on several occassions and even took my complaint to the Branch Manager where Mr. XXXX works. The Manager called me with some ridiculous response that if will be 90 days etc. I had been patient with this bank and felt I was getting the run around. So after being fed up I went in and terminated the relationship. The bank has been robo calling me that I owe them money! I can't believe that an credible institution which I thought Citizens Bank were would succumb to this level of dishonesty. I'm asking that I be given the {$300.00} promised.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Citizens bank had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by Citizens which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this Citizens forced me to hand over {$1100.00} or more on an acct that they were tons over and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: After recently placing my father into full time nursing care, I came across a CD deposited in The XXXX XXXX XXXX XXXX from when my sister and I were minors in the amount of {$26.00}, 700. My father and his brother ( my uncle ) were custodians on the account. My sister and I were never told about this account. The CD matured on XX/XX/1992. I presented the CD for payment in the successor bank, Citizens Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a manager there was less than helpful and refused to discuss the account with me even though the account is clearly in my name. Citizens corporate reached out after I filed a complaint to the FDIC. XXXX, from the Office of the Chairman, has acted in what can only be described a a deceitful manner. She is claiming she is not receiving emails from me, and is unable to leave voice mails on my cell phones. I am a XXXX XXXX XXXX XXXX with 32 years of service. I rely on email and voice mail daily and I can assure you XXXX 's claims are preposterous. Citizens Bank corporate, specifically Office of the Chairman is impossible to reach by phone. I am encountering impossibly long wait times, routing and re-routing through jungles of robo-prompts and mysterious random disconnections.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/XXXX, I applied for a {$20000.00} personal loan from XXXX XXXX who represented herself as XXXX XXXX of XXXX XXXX XXXX XXXX. At onset of these transactions I was not aware that I was conducting business with XXXX XXXX. The address of the company is XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX GA, XXXX. The phone number for XXXX XXXX is ( XXXX ) XXXX. The loan was approved on XX/XX/XXXX. I signed the contract on XX/XX/XXXX to get a {$20000.00} personal loan with the terms to pay a 5 % down payment of {$1000.00}. The monthly repayment term was to make 24 interest payments of {$83.00} plus a final balloon payment of {$20000.00}. The contract was signed on XX/XX/2019. There were no additional fees or charges contained within the contract. I sent {$1000.00} deposit on XX/XX/XXXX to the following account details : Account Name : XXXX XXXX Bank Name : XXXX XXXX Account # ( will disclose if needed for this complaint ) XXXX Bank address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. ( This is her apartment address previously not known ) I was in constant communication with XXXX XXXX via text patiently waiting for the {$1000.00} to clear my bank account. The money cleared my account on XX/XX/XXXX. After she received the {$1000.00} deposit. I was asked via text to check my email on XX/XX/XXXX. In the email, I was asked to send an additional {$1500.00} to insure the loan. This was not included in the original contract. I didn't have any additional money to send. l thought I had to take this as a loss. I explained, had I known I would have to come up with an additional {$1500.00} to get the loan insured, I would have never applied. She then attempted reassure me of how my loan was awaiting to be processed and she wanted to work with me and fund my projects. She proceeded to ask me for different amounts of money {$500.00}, then {$300.00} to have money for the loan sent from XXXX XXXX. At this point I lost trust in this person and this company. I decided to contact my bank Citizens Bank to get a refund because although I approved a wire transfer of {$1000.00} it was for a good or service in return that I did not to receive to date. On XX/XX/XXXX, I contacted my bank for a {$1000.00} reimbursement and after my case was reviewed it was denied because they said I signed a contract. I did not authorize a fraudrulent transaction where I pay for a service or good and get nothing in return. Also, additional details and fees were not disclosed in the contract I signed. I never received the loan. The contract was broken. XXXX XXXX via text asked if I like to proceed with a loan termination that would cost {$300.00} dollars. On XX/XX/XXXX, I asked for a termination contract for {$300.00} so I can sign it and get my refund, I kept contacting her about sending me a termination contract up until XX/XX/XXXX and all she kept say was she was waiting for her lawyer to come back from vacation. To date, I have not received my refund or heard anything from XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX, XXXX. I believe this transaction was a scam and this is fraudrulent. I followed my end of the agreement and have not receive the promised loan in return for my {$1000.00} deposit. There were no terms in the contract that mention a fee to insure the loan or a cancellation fee. I was advised without an insurance payment no loan would be issued. I just want to be reimbursed {$1000.00} dollars. I warned her, if I didn't get my money back, I was reporting XXXX XXXX XXXX, XXXX and XXXX XXXX also better known as " Its Was Always XXXX '' listed on ( XXXX, XXXX, XXXX XXXX & XXXX ) to Federal Trade Commission, XXXX and the Attorney General of Georgia.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I applied for an auto loan on XX/XX/2019 and received one through XXXX. I am not happy and have been having trouble ever since. The interest rate I received is the highest I have ever have, and I dont believe it was fairly done. Since day one I have been making payments greater than the amount due. I have called in several times, asking that the extra amount be put towards the payment and NOT towards the interests and yet it seems as if all my payments are still going straight towards the interest. I have also received statements where it shows on two occasions where a payment was posted then reversed, and reposted again. I am not happy with how the company is handling my account. I think I should be looking into refinancing with another company because I dont feel I am getting what I should be and my credit it high so I would understand a high interest rate for bad or low credit but mine is not.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2019 I transferred {$750.00} on XXXX to a supposed XXXX home owner. I went Through the website XXXX to book this vacation rental for the weekend of XXXX of XX/XX/2019. I was emailing back and forth with him and he said the was going to send the rental key in the mail on XX/XX/2019. Days after the money transfer I was informed by the supposed home owner that my money was spent well and I then realized I was scammed. I contacted XXXX and my bank ( citizens bank ) and were unsuccessful I was told to reach out to the consumer financial protection bureau. Im at a loss out of options and need my money back please help.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am so tired of being DISCRIMINATED against due to my age. I am a very healthy XXXX yr old XXXX VET, you not just fought for this country but refused a medical leave due to injuries I suffered in 1943 so that I could rejoin my fellow unit in XXXX. I did and finished what we started, But here in the country I have given so much for I continually am turned down for accounts, My credit score ranges from 795-830 at the time I applied for a Checking account with Citizens bank my credit score was XXXX. Yet and unbelievably about 2 weeks ago Citizens bank denied my application to open a checking account. I bet if they knew I had over 7 figures saved up ( did not retire until I was XXXX yrs old ), that would have been different. I entered all my correct information, they did not ask to verify any information they just simply denied me. I asked my nephew to apply moments later, he was helping me apply online, and although his credit score is far less than mine, he was approved instantly. So what possible reason besides my age could Citizens bank offer up as an explanation. I have received no letter or any other communication
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Back in XXXX I went through a nasty breakup with my ex. Later found out that my ex stole my identity and changed my address information and long story short some of my accounts ended up going delinquent because they bills were being sent to an address that I was not located at. When I found out about it I was able to rectify the situation. Citizens Bank got me set up on a repayment plan for my student loans but then ended up charging off my accounts in XXXX. Since then I have been paying faithfully on my accounts, triple if not more than the required monthly amount. I paid one account off in full and am still paying one account monthly. The account that I am still paying on is causing issues. Back in XXXX when they charged off the account they entered a " {$0.00} '' balance for what was owed. Never thought anything of it although not my problem since I'm not Citizens bank and I don't know what they are required to report. Just recently I went and checked my credit and noticed that my credit took a XXXX point hit because 7 years later, now XXXX they decided to go in and magically update their record and update the balance of my account. Coincidence that the account is going to be falling off my credit in XX/XX/XXXX? I called them XX/XX/XXXX and when I called them the woman on the phone was very rude and she told me that they are allowed to go into my account anytime and update the balance whenever they want. If that was the case, it wouldn't take them 7 years to find out that they screwed up putting in a {$0.00} balance. I asked why in XXXX a {$0.00} was put in and the woman said it was a coding error. I stated that was unacceptable and that someone needed to fix this. She said that there was nothing they could do and it is what it is. No, that's unacceptable. I've busted my butt to rebuild what my ex did to me for the past 7 years and got my credit up to where it is today and Citizens Bank is now XXXX with me and this needs to be fixed and my credit needs to get back to where it is. I'm in the process of buying a house and this will royally XXXX my options of getting my house if they don't fix their error. I have disputed the account with the credit bureau and they have since stated that they are deleting the account from my credit but I want the creditor to fix their mistake and take responsibility for an error they made 7 years ago. They can't act all nonchalant about it and put the blame on me. I've been paying faithfully for years and they get no responsibility. I'm tired of banks taking advantage of people like this.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Citizens Bank recently XXXX XX/XX/XXXX XXXX reported a charge-off to my XXXX and XXXX credit reports. I dispute ownership of this account. I disputed with XXXX and it was removed the next day. XXXX refuses to remove it despite me pointing out that it's a duplicate of a charge-off that is reported already on my account. I also dispute ownership of that account. The same account is being reported as two separate charge-offs. I disputed a second time with XXXX because Citizens Bank is re-aging this account so that it will appear on my credit longer. The duplicate account shows date of last payment as XX/XX/XXXX, but Citizens Bank is reporting it as XX/XX/XXXX. XXXX will not correct this date.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A