Date Received: 2018-03-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hi, I received an invite for applying a personal loan from Citizens bank. The letter said that it is a pre-approved offer and I can use the invite code to check my interest rates. It also mentioned that there will be no inquiries on my credit report. So, to check my interest rate I proceeded with the loan application using the invite code. This happened on XX/XX/2018. Now, when I checked the credit report, I found a hard inquiry by Citizen 's bank. Please let me know how to fix it. Thanks
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My husband and I purchased a XXXX XXXX XXXX in a private party transaction in XX/XX/XXXX. The seller 's vehicle loan was with RBS Citizens. First of all, it took over a week for RBS to get our bank a payoff amount ( a process I understand normally takes one business day ). After finally receiving an amount, our bank, XXXX XXXX of XXXX XXXX, WI sent a check for the payoff amount of {$7300.00} to RBS Citizens on XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX. As of XX/XX/XXXX, the title has still not been sent to XXXX XXXX after multiple requests from our loan officer and the previous owner. Each time one of them has made contact with RBS, which has been very difficult to do, they have been assured that the title is on its way. RBS won't speak to us since we never had a loan or account with them.
Company Response:
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XXXX ( I do not have an exact date for the first two calls ), I began receiving robo-calls from Citizen 's One ( XXXX ) regrading an auto-debt owed by someone I do not know. Over a year ago I had also received debt collection calls for this person, but they stopped after I informed the company that I did not know him. However, this time I have received REPEATED phone calls for this person even after I have informed the company multiple times that I am not and do not know him. I have been questioned aggressively about whether or not I'm *sure* I don't know [ the guy I don't know ] basically every time. I also let them know that I am a teacher and they keep calling me during school hours. I even had my CLASS inform Citizens One that I am not [ the guy I don't know ], but I still get calls. Today, I received a call from XXXX for the same person. The caller would not identify what organization she was from when I asked, only asked if I was [ the guy I don't know ]. I told her that I am not him, I do not know him and I have repeatedly asked them to stop calling me. She said she would remove my number from their calling list. However, I AGAIN received a voicemail from their robo-dialler.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Citizen Bank - XX/XX/18 Fraudulent loan attempt. Contacted company informed to contact XXXX, XXXX, XXXX Loan request was not submitted by me. Thanks,
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I opened an account online with Citizens Bank on XX/XX/XXXX with a promotion to receive {$150.00} when I completed a direct deposit of {$500.00} within 60 days of the account opening. I received a direct deposit in the amount of {$500.00} onXX/XX/XXXX, well within the 60 day requirements presented by the bank. I have now waited 3 months and still have not received my bonus. I emailed customer support, and they stated they were unable to see the terms of the bonus attached to my account, and when attempting to respond, Citizen Bank 's Messaging system failed, and still fails to this day, saying a response can not be sent. Since Citizen 's appears to only operate locally via branches, and does not have a public corporate office to reach out to, and that I did everything online via their online system, I am requesting that Citizen 's honor the promotion and deposit the {$150.00} into the account. I have attached confirmation of the promotion to this complaint.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: They did not obey The Servicemembers Civil Relief Act after i sent them my official XXXX XXXX order and information. i have all the email saved and we were charged tremendous amount of interest. Shame on you Citizens Bank.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/XXXX we were having difficulty making the minimum payments on some bills due to medical bills and health issues. I spoke with Citizens Bank ( based out of Rhode Island ) numerous times during this period asking for assistance in reducing our min amount required or extending our due date. They refused to assist due to the fact that we were not past due or in collections. I told them I could pay the amount owed on a specific date in XX/XX/XXXX and asked if that would keep us in good standing and prevent us from being reported to collections. The representative said yes it would keep us in good standing. I made the payment on the date instructed, the payment posted, and we were still reported. It has taken over a year for me to dispute this with all three credit bureaus, and then send my letter to Citizens asking them to remove the error. This is a bank error. I was given a date to pay my bill to remain in good standing and I paid it. I spoke with numerous channels after the delinquency hit my credit report and they said they investigated but no one would tell me if they found the actual phone call I was referring to. In XX/XX/XXXXI was advised by the credit card customer service area that if I dispute with the bureaus, and then write a letter to a specific address at Citizens, it will be removed. I even had the representative clarify ... will it be researched or removed? He said it will be removed. So I spent months disputing the information and finally mailing a letter to Citizens and they still will not remove because they can not locate proof of my conversation. They also confirmed that not all calls are tracked accurately as they should be according to their policy for logging customer calls, so they have no way of determining who I spoke with to research. However no one can tell me the outcome of the calls they were able researched until yesterday. I was not given specific information, but I was informed that even if I was told an incorrect date it would not matter. This affirms my belief that they are aware I was misinformed they just refuse to do anything about it. I must reiterate again that even after the fact, I was told by a rep that all I had to do was write a dispute letter and they would remove the information. I do not understand how it is legal to tell someone you can pay by this date and we will not report you, and then still report you. And then tell me to write a letter and it will be removed, and then not remove it. This lowered my score over 100 points and caused undue financial hardship on me. I believe they are choosing to treat me unfairly and are violating the Fair Credit Reporting act and UDAAP.
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018 citizens bank enter a hard inquiry on my credit report. I never gave them permission or did I ever contact these people on any service. Thank you
Company Response:
State: AR
Zip: 72901
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Citizens bank has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I went to branch to open a new checking account with a bonus code today, XX/XX/2018, at XXXX, and this account was successfully opend at around XXXX, and the banker gave me a welcome document case and told me how to sign up for the online bank. I went home around XXXX and tried to set up the online banking. Then I found the banker typed my cell phone with a wrong number, so I could not receive the text message. So I reqeust log in with security questions, and reset my cell phone numbers, then I was able to log in. But, the most ridiculous thing was, around XXXX, I received an email said " Access Denied for Funds Transfers '', so I tried to log in to my online banking again, and the system stated that my log in information did not match with the records. So I called the online banking department, and the representative told me that my checking account was already closed out based on the bank 's decision. It turns out that my checking account only survived for no more than 5 hours, and the bank just eat my two initial deposits and my bonus coupon code and killed the checking account at the same day due to the typo from the banker?!
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A