Date Received: 2023-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I bought tickets for an event from a friend on XXXX who claims they got hacked. I sent the money via XXXX and my bank will not dispute the charge. I believed this was a friend and that is why I paid because it was someone I knew. The bank never got back to me until I called and found out for myself and they said a resolution was already made. No one informed me until I had to find out for myself.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was supposed to receive a {$500.00} bonus for opening a business account in XX/XX/2023. Opened XX/XX/2023. I've completed all terms and have not received the bonus
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I started a savings account at a Citizens Bank branch in XXXX, NY. The terms and conditions were that if I made a deposit of at least {$100.00} for each of four months I would get a {$25.00} bonus. I deposited {$100.00} in XXXX, in XXXX, in XXXX and XXXX At the beginning of XXXX I went to my branch bank to inquire if the {$25.00} was added to my account. I was informed by the branch manager that there was a computer glitch holding up the bonus. I went back in XXXX twice. The branch manager says he called the home office of Citizen Bank to plead my case. They told him there were many depositors who had not received the bonus. I was patient. When I inquired again at the beginning of XXXX I was told that the {$25.00} bonus had not been credited to my account. So, I decided to file a complaint with the bureau.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2023-10-04
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 have a savings account with citizen access bank. I operate a business and was expecting payments from my client for a total of {$9600.00}. The payment was mistakenly transfered to my savings account at Citizen bank instead of my business checking account. I linked my business checking account and trying to transfer the funds to the intended account but the transfer was cancelled and was told my account is under review. The customer representative can not give a timeframe of when the review will end, its over a week now and still my account is frozen and no appropriate information as to when my account will be unlocked. The funds are important to me as i'm a small business and I need to pay my staff and suppliers and is already 1 week behind on my book keeping. I called over 10 times and everytime the customer rep keep telling me they can't tell why my account was froze or when will the review takes.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I run a solo law firm and as a requirement under NJ law I have an XXXX account to deposit client funds that have been received but not yet earned. I eventually transfer those funds into my operating account once those fund have been deemed earned. As such for a period of a few months I had no funds in my XXXX account and Citizens Bank closed the account without any notice that to me that the account was being closed either before or after the Bank closed the account. I am also unable to re-open the account and will now have to go in person to open a new XXXX account. My biggest issue is the lack of notice to me that the account was going to be closed or at the very least notice after the account was closed that the bank had done so.
Company Response:
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This incident caused year XXXX month of XXXX. previously known as XXXX, and all suddenly Changed to CITIZEN BANK. that the time i became a victum on this fraudulent act. i have been reported to Citizen Bank in many times. they accepted and acknowledged. my local Branch assist me every aspect. and report to fraudulent dept. and other divisions. but nothing has been changed. unfortunately this incident crushed my credit score and that effect my life very badly. I have a XXXX daughters to support their College education. i was trying to refinance my house and assist them for higher education. but unfortunately i am stuck now been a victum of this fraudulent act. The amount of {$7400.00} is made up for fraudulent charges that i did not make. i am requesting this charge to be removed. my credit report show that the charges are still impacting my credit.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My mother and I have shared two checking accounts with Citizens bank, one of which has been established for nearly 30 years. We have had occasional overdrafts throughout usually due to an oversight on our part. We have fortunately avoided that vicious cycle that many people fall prey to when it comes to being charged overdraft fees until recently. As you will see in the documents I have included for your review, we have been charged nearly {$600.00} in overdraft fees since XX/XX/2023. In other words, in two short months due to the way Citizens bank has slyly, but I also believe deceptively set up their overdraft coverage policy, we have been gorged with {$600.00} worth of fees which made it impossible for us to bring our account into positive territory. We are not enrolled in their farcical overdraft protection coverage primarily due to the situation that the only source of income which gets deposited into that account is a monthly payment that my mother receives from the XXXX XXXX for survivor benefits for my father 's XXXX service in XXXX. That amount is a meager {$820.00} she receives monthly, and we are quite grateful for it. That amount though does not provide her with any funds that could be held in a savings account which could then be used to cover any overdrafts that may happen in the checking account. I tried to stop the endless spiral downward of these overdrafts fees from compounding by visiting 2 of Citizens Bank branch locations. One if the Branch managers was kind enough to refund me {$70.00} of the fees, but the other person basically never responded to my requested inquiry. I also spoke with a manager at their XXXX customer service number who listened to me but responded that the one branch manager already did as much as could be done by refunding us {$70.00}. I explained that basically Citizens bank is charging the XXXX XXXX the {$600.00} in fees because that is the only income that gets credited to these checking accounts. My comment did not receive aby acknowledgement by the 1-800 manager at all. This is where I believe the deception can readily be detected. According to Citizen Bank description if you are not enrolled in Overdraft Protection- debits made to your account that would overdraft your account due to insufficient funds will be turned away and the holder of the account will NOT be charged overdraft fees. This description can be found on the same website where I login to my account. I have included a screen shot for your review. My question then was if I am not enrolled then why weren't my debit transactions turned away by the bank as the description states. I asked this question at my most recent 3rd visit to a local branch. I was told that since they were pre-authorized debits that is why they were not turned away. This not not what the description of what NOT being enrolled states on the website where I login to our checking accounts as you can see from the screen shot... it states DEBITS will be turned away which includes both pre-authorized debits and POS debits. It does not say only POS debits will be turned away. This is deceptive. In fact when I did have a POS debits along with pre-authorized debits overdraft my account conveniently Citizens bank rearranged the debits to withdraw the POS debit fund before they posted the pre-authorized debit so that they could charge me a {$35.00} overdraft fee. Please see transactions on XX/XX/2023. I believe due to the description as it can be seen on the same website that I login to our checking accounts of what NOT being enrolled in their overdraft protection entails, we have been charged {$600.00} in overdrafts fees wrongly. As will also be seen in our included statement, Citizen Bank can turn away pre-authorized debits. Please see dates XX/XX/XXXX ; XX/XX/XXXX & XXXX, 2023 for examples. When our account was overdrawn by nearly {$500.00}, Citizen Branch reversed pre-authorized debits, in other words they turned them away after their deceptive practices severely overdrew our account. Why then did they turn away the pre-authorized debits and not turn them away when I did not have the funds to cover them in the first place when they were first submitted to my bank before they piled on their overdraft fees.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX started getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. Citizens has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.
Company Response:
State: GA
Zip: 30736
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: They refused to release my money and ongoing fee
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: So I got a online bank account an deposited my check there an they decided to close my account. It's been 3 months now an they just keep giving me the go around. Never the same answer I really need My money
Company Response:
State: TX
Zip: 79065
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A