Date Received: 2019-09-30
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I submitted a wire transfer request form to the Citizens Bank Branch XXXX in XXXX XXXX, MI on XX/XX/2019 to send {$3000.00} to my niece in XXXX.. Money was needed urgently for hospitalization expenses for major XXXX XXXX XXXX related treatment. I provided the bank account information of my niece ( phone copy of her check book page ) to the bank clerk. Form was completed with wrong account number!! Bank clerk put the routing number as an account number!!! As a result, transfer did not go thru and Citizens Bank decided to recall the amount rather than giving them the correct account number. Now, the money is hung up some where between the XXXX XXXX, XXXX XXXX, or the intermediatory bank, XXXX XXXX XXXX, or the Citizens Bank at my branch. I requested Citizens Bank to track the money recall but nothing has been done. I contacted XXXX XXXX XXXX ahd they assure me that the money was wired back to US banks. Now, someone in the US, either XXXX XXXX XXXX or Citizens Bank is holding my money????? I will consider this as a banking fraud and seek legal action thru the Attorney General of the State of Michigan, if I do not get satisfactory resolution from your office, or an assurance from Citizens Bank, that the money will be re-deposited to my bank account within 7 days .... Reference : ; Citizens Bank Wire Transfer Request No XXXX. Phone Number of the Citizens bank branch XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My truck was repossessed on XX/XX/XXXX, the repossession company never contacted me about when I could get my items. We have tried calling several times and the phone just hangs up. Yesterday at XXXX central time I was able to get through to the company. The man on the other line said he was the owner, I asked him where my personal property was and he said he didn't know as his place is a mess. He read me a log from his workers and when I asked for that date he became verbally abusive and would not let me talk and called me a " little XXXX '' and " that your not a man because you can not handle your responsibilities ''. I tried numerous times by saying " Sir I just want to get my stuff ''. He continued to verbally abuse me, and then hung up on me after telling me I can not get my personal items. The company is XXXX XXXX XXXX and XXXX, XXXX. This business is 4 hours one way from where I live and where the vehicle was repossessed from. I have been unable to secure a vehicle to get there, and am frantically working to get one.
Company Response:
State: WI
Zip: 545XX
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I noticed on Monday XX/XX/XXXX hat some payments came out and were going to cause my account to overdraft so I made a deposit to cover the amount and leave extra in the account. After the deposit, other items came in the after noon but there still was enough money to cover all the items. When I woke the next day ( Tuesday XX/XX/XXXX ) I checked my account and it showed all items cleared and a positive balance remaining. However, when I went to put gas in my car to go to work my card was declined. I checked my account and had been charged 6 overdraft fees. I called the bank and they said that the deductions had cleared before the deposit, even though all items were shown clearing on the same day. I asked when some of the items were presented to the account and though they admitted they had been presented after the deposit they could not explain why I had received the fees yet still refused to refund them. Pending deductions are immediately taken from the balance of the account but it seems as though the bank doesn't credit deposits in order to cause overdrafts and charge fees. After 6 overdraft fees ( totaling {$210.00} ) my account is overdrawn {$140.00}. When asking for an explanation, all they could tell me was " that is how the system processes ''. If a bank is going to deduct charges from an account immediately they should credit deposits as well, or only fully deduct once things " post ''. It seems predatory to take money immediately but constantly hold deposits.
Company Response:
State: WV
Zip: 25404
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2019, I went to the XXXX website to purchase a phone. ( Not finance ). An application to finance with Citizens was submitted in error and immediately cancelled. Both XXXX and Citizens said there should not be a credit pull because the application did not have time to process. I now see an XXXX inquiry from Citizens Bank on my credit report. I emailed Citizens to remove and they refused.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I did my part but the amount is still due. The representative state after this was promised auditors came in and reversed the decision without sending notification that this is what happened. I requested when this happened, notes, and call history however was denied. None could give me a definite turn time on when I would get this or when this world be completed. XXXX XXXX, Related to your call earlier today, here is a summary of all notes on your account. Please note that obtaining exact records of these cases or a copy of the call would require a court subpoena. XXXX called in with a Citizens One rep with questions about the loan. In XXXX, she moved to an unserviceable address. An agreement was reached that she would still need to pay off her equipment loan with Citizens, but that we would forgive her monitoring fee for the remainder of the contract, as noted in that same case. However, XXXX claims that on a phone call with a rep at XXXX, she was promised that her Citizens One loan would be forgiven. There are no notes detailing this promise. She was unable to recall when this call might have taken place. Resolution : emailed CEFollowUp with a date range to see if they can find the call. Date : XX/XX/2019 XXXX spoken to : XXXX XXXX [ XXXX ] Thank you.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called Citizens bank on numerous occasions to have my mailing address changed as I have not received any statements from them - they advised me I must go into the bank to change my address. I went into the bank and changed my address as directed. Still no statements. I called again to change my address. I was told it was all set. Still no statements. This account went delinquent due to no statements and effected my credit score by numerous points. I called again and brought the account current ( {$1100.00} ) and to emphasize my address needed to be changed - the rep assured me it had been changed. To this day i still have not received a statement. This has resulted in a much lower score and have suffered higher interest rates because of this. I receive no letters, phone calls or any type of correspondence from this company
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Citizens Bank has an inquiry on my credit report. I never applied for credit with this company or have ever done any kind of business or requested any kind of information with them. I have never heard of them before. They do not have any authorization to pull my credit report.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a car in WI where I live in IL, as I've done on multiple occasions given my brother works at an XXXX XXXX in WI. The car was initially titled in WI as it always is where I then need to title/register the car in IL. My loan is via Citizens One that uses a 3rd party ( XXXX XXXX XXXX ) that charges a fee to send the physical title to the DMV in IL. XXXX told me that Citizens One should take car of this for me, as they would need to charge a change of state ( when someone would move ) for {$44.00} to send the title to the IL DMV. Citizens One filed a case number earlier this week and told me they would take care of this for me ( especially given I've never been charged a fee for this action with the 8 prior vehicles I've purchased from my brother in WI ). I followed up with Citizens One this morning only to find that they are refusing to cover the cost or do anything about it. I know this is only {$44.00}, but it is more the principal that they said they would cover it, and that they know that the 3rd party is going to charge fees for every customer they have in order to do any kind of title transfer where any other bank would take care of that transaction including any associated fees. Thanks in advance for looking into this, as I feel Citizens One is taking advantage of all of their customers by hiring XXXX and washing their hands of doing the simple things a loan company should be doing while making money already with the interest rate they charge,
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XX/XX/2019, Citizens One notified me that my credit card on file that was used to make automatic payments was expired. The link included in the email took me to a loan that had already been paid and had a {$0.00} balance. A credit card update could not be performed since the balance was {$0.00}. This email came every month, taking me to a loan of {$0.00} balance. It was later discovered, after a new personal loan was denied by Citizens One, that the email was in reference to a different loan than the one linked in the email. By this time, I could not access the appropriate loan using Citizens One mobile banking as the loan had already been sent to collections. I was never given the chance to make payments on the correct loan because Citizens One failed to send the correct information and did not explain in XXXX how the correct loan could be paid. Citizens One also did not make any attempt to contact me by phone or postal mail prior to sending my account to collections.
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A