Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX is reporting an auto loan I paid off in XX/XX/XXXX as being over 60 days delinquent in XX/XX/XXXX. Originally, it was reporting as being delinquent in XX/XX/XXXX. I disputed it and XXXX changed it to XX/XX/XXXX which is an error, but the statute of limitations would remove it. However, today the loan is being reported as being 60 days delinquent 12 months after the loan was paid off.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX reported to the credit bureaus that I was a late pay when in fact they had collected the monies. I paid the loan off and asked them to close my account, which to this day has not been closed. I called today requesting them to close the account and was told I had to wait thirty more days, from previous dealings with this bank they tend to add more charges every thirty days. I want this account closed before the bank thinks they can continue to charge me for the rest of my life.
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citizens Access in the beginning of XXXX. Shortly after they put my account on hold and since then I have not been able to access my account and they couldn't tell me when I would again have access to my funds. They told me I could make my cu that sent the money put through a hold harmless to reverse the funds, however, my credit union warned me about sending funds to them so I do not know want them to have to deal with trying to get access and my money out of that account. I tried closing the account and they informed me since it is on hold they can not close the account either. Since XX/XX/XXXX I have had XXXX calls with Citizens Access. They continued to send me bank statements however because my account is on hold I can not even access the statements.
Company Response:
State: WI
Zip: 54952
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with customer service
Subissue:
Consumer Complaint: Hi I have ran into a problem on more than one occasion most recently being XX/XX/2023 at citizens bank located in XXXX XXXX XXXX XXXX XXXX XXXX My weeks pay generally arrives late by mail on XXXX so I go to bank that does businesswith my employer so I can cash the check. When attemptingto do so the teller refuses to cash the check and tells me that I'm doingnothing wrong on my end and that my employer needs to do something in order for me to cash the check. I reply so what am i supposed to tell my employer to do because I can not let this happen again in the future. The teller explains to me that work will know what needs to be done on there end but she can not share that information with me to share with them. I then replied that I was upset with the process I also let her know the last time this happened all I did too fix it was go to a different Citizens bank to cash the check and why she was unable to do so. Her next answer did not make sense either. On this day I also went to differentcitizens branch and was able to cash same check that was deny cashing 20 mins earlier at said location. Im notsure if this a work issue a bank issue or both. But i am sure this is not a fraud issue i am in the bank every week they are aware I am there to cash a check and have no interest in opening an account. I provide ID and hand them a signed check issued from my employer city of XXXX and there bank please help fix this mess thanks
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not a duplicate complaint I would like for this company to verify this debt. Send signed contract. Not itemize bill.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hi there I have citizen bank account savings and checking through the acquisition of XXXX XXXX by citizens. I am resident of XXXX XXXX and the bank has no branches here. I have been trying to close my citizen bank savings and checking account for many months now to no avail. I have been on the customer care line of the bank for hours many times but no one answers. The only option on the website is to visit a branch. This makes no sense to me. I have no means to close the account. Please help me in closing the back accounts. Thank you.
Company Response:
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To Whom It May Concern : Im writing this letter to express my gratitude as a customer of Citizens Bank, and as a follow-up to my letter dated XX/XX/XXXX regarding my auto loan account. As requested, the first letter was sent via snail mail. In the letter, I requested that an item posted to my credit report be reversed as a one-time courtesy. I have not received any confirmation of its receipt, an indication that the letter 's contents are being investigated, or a notice of resolution outlining any next steps. I want to reiterate my request for a one-time courtesy forgiveness of a 30-day late payment reported to the credit bureaus in XX/XX/XXXX. This was the only time that an adverse report was issued since I have been a customer of Citizens Bank, and it has had a notably detrimental impact on my credit score, reducing it by XXXX points. In addition, this late payment has affected my ability to access credit, obtain lower interest rates, and qualify for mortgage and car refinancing. On XX/XX/XXXX, due to financial hardship, I made a partial payment of {$120.00}. This was done to support my parents with bills, which unfortunately meant that XXXX was a month where no payment could be made. On XX/XX/XXXX, I experienced further financial difficulty when my car caught a flat tire and the battery died. Due to the provisions of my insurance policy, I would have to reach a {$1000.00} deductible before financial assistance could be had. To this end, I had to purchase new tires and pay for the towing of my car. I have included a XXXX XXXX receipt and text messages that show communication with the towing company XXXX XXXX XXXX and XXXX XXXX ) on that day. I have also included the receipt from XXXX XXXX. Despite this, I had previously maintained a record of on-time payments. To make up for the other partial payments, I made three payments in XXXX : XX/XX/XXXX for {$260.00} ; XX/XX/XXXX for {$260.00} ; and XX/XX/XXXX for {$260.00}, bringing my account to current. I understand my financial duties, and if it were not for the costs associated with towing and new tire installation, I would have maintained an outstanding repayment history. Regretfully, I made a misstep in falling behind. This does not demonstrate my creditworthiness and commitment to paying my debts. It would be greatly appreciated if you could afford me another opportunity and make a goodwill adjustment to erase the late payment. I appreciate your consideration, and I hope you will grant my request.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I receive money direct deposit every Friday from my ex husband. I'm just trying to figure out why on holiday weekends, my funds are not posted til Monday or Tuesday. I know it's not on my ex 's end, ( it's his bank ). It's always on time, every other Friday. My ex uses Citizens bank, ( They say it's my bank ). I use XXXXXXXX XXXX XXXX XXXX. My bank says it's Citizens. I'm just wondering if there is anything I can do. I'm on XXXX and live on Fridays money to survive. Thank you
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Negative impact of inaccurate appraisal
Consumer Complaint: XX/XX/2023 my home was appraised for XXXX with recent upgrades to my home. However, at that time the comps for the same home with no upgrades are coming back at XXXX or more and the reason for my appraisal was because I recently made upgrades to my home and I believe my home after reviewing the comps in my neighborhood and with my recent upgrades that I was appraised unfairly and I feel as though I was discriminated upon. Below I have attached what my home is currently be estimated as on XXXX and XXXX and shared my neighbors home that is exactly the same with no upgrades.
Company Response:
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened up a higher APY savings account at Citizens Access. Money went into the account from XXXX XXXXXXXX XXXX without issue. Money is sitting in the Citizens Account, but this bank will not issue debit card or give me online access to move it. I called them and was told they would initiate a transfer in XXXX business days to the originating account. I suspect this will not happen.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A