Date Received: 2018-02-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!
Company Response:
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX The Honorable XXXX XXXX Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX and XXXX XXXX, XXXX. XXXX XXXX XXXX & XXXX XXXX XXXX, Chairman, President & CEO & XXXX XXXX, Chairmans Office & Assistant Vice President XXXX XXXX RBS Citizens Financial Group XXXX XXXX XXXX XXXX, Rhode Island XXXX ( XXXX ) XXXX XXXX The Honorable XXXX XXXX, XX/XX/XXXX email to XXXX CEO XXXX XXXX XXXX & XXXX XXXX Chairmans Office & Assistant Vice President XXXX XXXX XXXX XX/XX/XXXX th email to XXXX & XXXX & XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX & XXXX XXXX & Assistant Vice President XXXX XXXX , I present to you my 21st Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 21st Citizens Bank Complaint is addressed in a statement. Please discover I am truly deeply grateful to you for your important priceless attention. I deeply look forward to discovering your Complaints determinations. If you may have any questions I can answer for you during your deliberations, please dont hesitate to call me at ( XXXX ) XXXX XXXX or email me XXXX. XXXX XXXX XX/XX/XXXX 21st Complaint Citizen Bank XXXX XXXX, Chairmans Office, With Citizen Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff Have Acted Without Merit & Unreasonably When They Acted CHARGING XXXX XXXX AND XXXX XXXX XXXX A LATE FEE FOR HAVING {$1200.00} AVAILABLE FINDS TO PAY THE XX/XX/XXXX {$1200.00} AUTOPAY ON XX/XX/XXXX, WITHIN THE 15 DAY GRACE PERIOD CITIZENS BANK GIVES CUSTOMERS TO MAKE THEIR LOAN PAYMENT WITHOUT ANY PENALTY OF ANY KIND INCLUDING NO LATE FEES, PER XXXX XX/XX/XXXX CALL WITH HOME EQUITY LOAN REPRESENTATIVE XXXX, REFERENCE # XXXX. TO BE SPECTACULARLY NOTED, XXXX XXXX XXXX XXXX XXXX. XXXX FREELY BELIEVE CITIZEN BANK XXXX XXXX, CHAIRMANS OFFICE, WITH CITIZENS BANK CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX WITH SUPPORT BY CITIZENS BANK CONSUMER FINANCE STAFF HAVE ACTED UNREASONABLY & WITHOUT MERIT & FREELY VIOLATED FEDERAL FINANCE & BANKING & CONSUMER REGULATIONS WHEN SAID PARTIES GIVEN ABOVE FREELY ACTED TO NOT ACT ON XXXX XXXX XX/XX/XXXX REFERENCE # XXXX CALL TO THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT IMPORTANTLY GIVING SPECIFIC AUTHORIZATION FOR A XX/XX/XXXX {$1200.00} AUTOPAY ONLY ON XX/XX/XXXX NOT XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX XXXX XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX NOR XX/XX/XXXX For My Home Equity Loan Account XXXX Instructing Home Equity Loan Department Agents XXXX XXXX Must Talk With Consumer Finance When Consumer Finance HAS IN XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX. Moreover, XXXX XXXX XX/XX/XXXX addition to her XX/XX/XXXX addition to her XX/XX/XXXX Addition To XX/XX/XXXX 3rd Complaint Citizens Bank Home Equity Loan Department Has Acted Charging Me Expenses Without Merit & Not Properly Declaring All New Charges & Did Not Calculate Charges Correctly Against Autopays Prompted By XXXX XXXX & Is Charging Me Additional Principal That XXXX Has Never Submitted A New Home Equity Loan Application For Nor Has Citizens Bank Granted XXXX A New Home Equity Loan. XXXX XXXX freely believes the Citizens Bank XXXX XXXX, Chairmans Office With Citizen Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff have freely acted without merit & unreasonably AND HAVE ACTED ILLEGALLY CHARGING FUNDS OF LATE FEES AND PRINCIPAL FUNDS NEVER RECEIVED BY XXXX XXXX XXXX XXXX XXXX. XXXX TO XXXX XXXX XXXX XXXX XXXX. XXXX HOME EQUITY LOAN ACCOUNT XXXX when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent XXXX for XXXX home equity loan account XXXX XX/XX/XXXX {$1200.00} autopay on ONLY ON XX/XX/XXXX within the 15 day payment grace period given & instructing Home Equity Loan Department Agents XXXX XXXX must talk with Consumer Finance when in XXXX every time XXXX has tried to speak with Consumer Finance they have hung up the phone with her, AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT ALLOWING WITH CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT A UNREASONABLE & NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX NOR BY XXXX XXXX. XXXX FOR A XX/XX/XXXX {$36.00} LATE CHARGE ASSESSED WITH ADDITIONAL PRINCIPAL FOR HOME EQUITY LOAN ACCOUNT XXXX NEVER PAID TO XXXX XXXX NOR XXXX XXXX. XXXX STATED ON CITIZENS BANK HOME EQUITY LOAN STATEMENT OF XX/XX/XXXX AND XX/XX/XXXX LETTER. XXXX XXXX supporting documentation the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX, AND CITIZENS BANK HOME EQUITY LOAN STATEMENT DATED XX/XX/XXXX WITH XX/XX/XXXX LETTER TO XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXX Call To XXXX at Citizens Home Equity Loan Department XX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX to Read XXXX & XXXX & XXXX & with these Reference # s add XXXX XX/XX/XXXX note with a XX/XX/XXXX Reference #. XXXX requests of XXXX to please find & read three Reference # s of XXXX calls : 1 ) XX/XX/XXXX call with XXXX, XXXX, 2 ) XX/XX/XXXX call with XXXX, XXXX & 3 ) XX/XX/XXXX call with XXXX, XXXX. Furthermore, after reading the given important reference # s, XXXX petitions XXXX to write XXXX XX/XX/XXXX statements involving her home equity loan XXXX autopayments with an assigned XX/XX/XXXX Reference #. XXXX finds & reads the three Reference # s XXXX offered. XXXX requests of XXXX if she is ready to write XXXX XX/XX/XXXX XXXX statement with a XX/XX/XXXX assigned Reference #. XXXX answer is yes. XXXX XX/XX/XXXX statement : 1 ) XXXX importantly stated I would have Social Security available funds on XX/XX/XXXX for my home equity loan XXXX XX/XX/XXXX {$1200.00} autopay in the Citizens Home Equity Loan Departments allowed 15 days to make an autopay with no penalty & no late fee & no charge of any kind. XXXX does not know why the Citizens Bank Home Equity Loan Department acted to not collect XXXX XXXX {$1200.00} autopay on XX/XX/XXXX & even as of today, XX/XX/XXXX, said department has still not withdrawn XXXX XX/XX/XXXX available XX/XX/XXXX {$1200.00} autopay, & 2 ) and for reserving XXXX XX/XX/XXXX Social Security funds for her Home Equity Loan XXXX XX/XX/XXXX autopay, XXXX will have Social Security available funds on XX/XX/XXXX for said loans XX/XX/XXXX {$1200.00} autopay with no penalty & no late fee & no charge of any kind for this XX/XX/XXXX available funds autopay is in the Citizens Bank Home Equity Loan Department allowed 15 days to make an autopay. XXXX then importantly notes to XXXX to please make sure the Citizens Bank Home Equity Loan Department actually takes XXXX available funds for her autopays for XXXX knows of no explanation why the Citizens Bank Home Equity Loan Department has not withdrawn XXXX available funds for her loans {$1200.00} autopays. XXXX notes to XXXX the Citizens Bank Home Equity Loan Department Consumer Finance staff are who XXXX needs to speak with. XXXX reply is the Consumer Finance staff in XXXX have always hung up the phone on XXXX not allowing XXXX to speak with them. Further, XXXX notes to XXXX Consumer Finance hung up calls with XXXX : 1 ) when XXXX was transferred to Consumer Finance by a Citizens Bank Home Equity Loan Customer Service Specialist, Consumer Finance just hung up the line when XXXX was waiting on the line & 2 ) XXXX was having a reasonable conversation with a Consumer Finance Specialist, just like she was having with XXXX, & then suddenly the Consumer Finance Specialist just hung up the phone with XXXX. XXXX reply to XXXX XXXX Consumer Finance experiences : Do our best to read notes & get you set. XXXX gave XXXX her XX/XX/XXXX important Home Equity Loan XXXX statements XX/XX/XXXX Reference # XXXX. XXXX thanked XXXX very much. Later on XX/XX/XXXX when XXXX checked the status of her available XX/XX/XXXX {$1200.00} autopay, XXXX learned from the ( XXXX ) XXXX XXXX Citizens Bank staff her XX/XX/XXXX {$1200.00} autopay was collected by the Citizens Bank Home Equity Loan Department on XX/XX/XXXX. XXXX, XXXX XXXX Home Equity Loan Statement Date Statement : Amount Due {$7700.00} [ {$1200.00} + {$400.00} + XXXX ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$320.00} + Interest {$890.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$400.00} + Past Due Payment {$6100.00} = Total Amount Due {$7700.00}. Amount Past Due {$6100.00} + Late Charges Due {$400.00} = Total Amount Due {$7700.00}. XX/XX/XXXX Late Charge Assessed {$36.00} XX/XX/XXXX Statement Sent to XXXX XXXX and XXXX XXXX. XXXX. ACCOUNT NUMBER ENDING WITH XXXX AMOUNT PAST DUE {$6100.00} OTHER FEES DUE 00.00 LATE CHARGES DUE {$440.00} TOTAL AMOUNT PAST DUE {$6500.00} IMPORTANT NOTES FOR YOUR PRICELESS REVIEW : XXXX XXXX BELIEVES CITIZENS BANK OFFICIALS HAVE ADDED ADDITIONAL PRINCIPAL SUMS & LATE CHARGES XXXX XXXX XXXX XXXX XXXX. XXXX WHEN XXXX XXXX HAS HAD {$1200.00} AVIALABLE AUTOPAY FUNDS CITIZENS BANK ACTS TO NOT WITHDRAW & XXXX XXXX XXXX XXXX XXXX. XXXX HAVE NEVER FILED A HOME LOAN OF ANY TYPE FOR NOR HAVE XXXX XXXX XXXX XXXX XXXX. XXXX EVER GOTTEN ADDITIONAL PRINCIPAL SUMS FOLLOWING THEIR XXXX, XXXX HOME EQUITY LOAN & XXXX, XXXX HOME EQUITY LINE OF CREDIT. MOREOVER, XXXX XXXX HAS WITNESSED WRITTEN CITIZENS BANK HOME EQUITY LOAN XXXX MONTHLY STATEMENTS & LETTERS STATING AMOUNT PAST DUE & LATE CHARGES DUE & TOTAL AMOUNT PAST DUE WITH FULL {$1200.00} MONTHLY AUTOPAY SUMS, CALCULATED BY ADDING A PRINCIPAL PAYMENT & INTEREST PAYMENT FOR THAT MONTH, ADDED INTO PAST DUE PAYMENTS AMOUNTS DOCUMENTING CITIZENS BANK OFFICIALS ARE ADDING MONTHS PRINCIPAL PAYMENTS CHARGING ADDITIONAL PRINCIPAL SUMS XXXX XXXX XXXX XXXX XXXX. XXXX HAVE NEVER FILED FOR NOR GOTTEN FROM CITIZENS BANK INTO THE CITIZENS BANK WRITTEN OWED PAST DUE AMOUNTS. FINAL IMPORTANT POINT : CITIZENS BANK OFFICIALS DID NOT CALCULATE MONTHS INTEREST CHARGES ALONE & ADDED THE MONTHS PRINCIPAL AMOUNT FOR THE THREE XXXX MONTHS XXXX XXXX DID NOT HAVE AVAILABLE FUNDS FOR PERSONS FREELY AGREEING TO BUY XXXX ORIGINAL ANTIQUE FURNITURE ITEM TWO DAYS BEFORE THE END OF THE MONTH SUDDENLY STATED THEY DECIDED TO NOT BUY XXXX ORIGINAL FURNITURE & THE ONE XXXX MONTH XXXX XXXX COULD NOT PAY FOR CITIZENS BANK VIOLATED XXXXS INSTRUCTIONS, COMPLAINT XXXX & THE MONTHS AT THE END OF XXXX WHEN CITIZENS BANK OFFICIALS DID NOT WITHDRAW XXXX AVAILABLE {$1200.00} WITHIN FIFTEEN DAY ALLOWED GRACE PERIOD : XXXX XXXX XX/XX/XXXX XXXX XXXX Citizen Bank Consumer Finance With Home Equity Loan Department Has Acted Without Merit & Unreasonably Taking {$1200.00} Loan Payment On XX/XX/XXXX When For Twenty Minutes XXXX XXXX Stated To Citizens Home Equity Loan Agent XXXX XXXX Was Authorizing A Loan Payment of {$290.00} Principal + {$220.00} Interest = {$520.00} NOT {$1200.00} For XXXX XXXX Had Paid A {$1100.00} Property Tax Bill On XX/XX/XXXX, A Condition Of The Home Equity Loan. For This Citizens Bank Consumer Finance With Home Equity Loan Department Act Violating XXXX XXXX Detailed XX/XX/XXXX Payment Statement, XXXX XXXX Believes This Citizens Bank Department Violated Laws Of Federal Banking Regulations. XXXX XXXX Offers This Bottom-line : XXXX XXXX Freely Believes Citizens Bank Has Violated Federal Banking & Finance & Consumer Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking & Finance & Consumer Regulations Do Not Allow XXXX XXXX, Chairmans Office, with Citizens Bank Consumer Finance With Citizens Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff Of The Citizens Bank Home Equity Loan Department to ACT TO Freely VIOLATE Federal Banking Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank Chairmans Office Staff With Consumer Finance Officials Of The Citizens Bank Home Equity Loan Department To Have Acted Without Merit & Unreasonably For All Of The Above Documented Issues. FINALLY, XXXX XXXX WANTS ALL CITIZENS BANK CONSUMER FINANCE OF THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT STAFF, MOST ESPECIALLY CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX TO HONOR & ACKNOWLEDGE THE HONORABLE DOCTOR XXXX XXXX XXXX ACT SHE HAS NOT DETERMINED XXXX XXXX XXXX XXXX XXXX. XXXX ARE RESPONSIBLE FOR ALL OF THE CITITZENS BANK BILLED LATE CHARGES FOR ACCOUNT XXXX BY REMOVING EVERY PENNY OF CITIZENS BANK LATE CHARGES ASSESSED TO ACCOUNT XXXX. AND XXXX XXXX WANTS ALL CITIZENS BANK COMSUMER FINANCE OF THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT STAFF, MOST EXPECIALLY CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX TO CORRECTLY CALCULATE PAST DUE AMOUNTS WITHOUT ONE RED CENT OF MONTHS PRINCIPAL SUMS XXXX XXXX XXXX XXXX XXXX. XXXX HAVE NEVER SUBMITTED A LOAN APPLICATION FOR NOR HAVE GOTTEN FROM CITIZENS BANK. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX XXXX Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried now for months to handle this on my own. I have gone to Citizens bank and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " XXXX Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX bank and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXXXXXX account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX XXXX XXXX where he is facing multiple larceny, stolen identity, and forgery charges. I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. " Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings. Pathetic! Incompetent!
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My original complaint against Citizens Bank was for unauthorized withdrawals fro my checking account and the bank 's acceptance of a check designed and submitted by a creditor that was paid from my account. All of this resulted in my account being overdrawn and daily ban fees that exceeded {$200.00}. being charged to my account. Since that filing the bank has removed the overdraft fees but saw that my account was cancelled. I am not upset at that, but when I went to another bank XXXX XXXX, to open a checking account. They would not issue a debit card nor allow my a senior discount for checking account fees. Therefore, I must pay a monthly fee of {$10.00}. and can only use their ATM service. I can struggle with that but it seems that Citizens bank got their pound of flesh on the way out. I was told that the non-issue of a debit card was because of a report that Citizens has submitted.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Citizens Bank - Line of credit {$1500.00} acct was sent to collections this debt isn't mine it belongs to XXXX XXXX and I have disputed this before yet it is still on my report
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This complaint is about Citizen 's Bank. I believe I have been subject to privacy and human rights violations that extend back to my time at XXXX University in XX/XX/XXXX-XX/XX/XXXX and some currently connected to theft and malicious takeover attempt of commercial projects, notably copyright XXXX which is a film related to the anti nuclear movement from the XX/XX/XXXX and XX/XX/XXXX. However there are other developments surrounding XXXX or other issues. Unfortunately, the violations are severe. At the time I was at XXXX I had an account at Citizen 's Bank. I would like all account information and anything else logged to my name including all available investigative material. Due to takeover I would like to know any participation or conflicts of information the bank could have.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/17 I responded to a mailer that I received from Citizens Bank to open up a Platinum Checking account and get paid a {$250.00} bonus for doing so. This offer was also online at the time. I went to my local Citizens Bank branch to open up the account, but was told that I had to apply online. So I went home and applied online. The fine print for the {$250.00} bonus stated that you had to make a single direct deposit of {$500.00} or more within 60 days of opening your first new Citizens Bank Platinum Checking account. So, I complied with this by having a direct deposit set up. The first direct deposit was credited to my checking account on XX/XX/17. I was supposed to receive the {$250.00} bonus within 90 days of opening up the checking account. When I did not receive the bonus, I called customer service at Citizens. They contacted their marketing department for me, and were told that I would not get the bonus because I did not enter an " offer code '' online when I applied for the checking account. I told customer service that there was never an " offer code '' associated with this offer, especially when I was online applying and entering my information. They said to email the " office of the chairman '' at Citizens Bank, which I did. After emailing that department, I received a phone call from XXXX XXXX at XXXX. She also tried to convince the marketing department at Citizens to pay my {$250.00} bonus, but they failed to do so. I am asking the CFPB to make Citizens honor their offer to me by paying the {$250.00} bonus that I earned by opening up a Platinum Checking account.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citizens Bank through the internet and used an electronic check to transfer {$3700.00} on XX/XX/XXXX. OnXX/XX/XXXX my other bank ( XXXX XXXX ) confirmed that they cashed the {$3700.00} check ( attached ). OnXX/XX/XXXX I got a letter from Citizens Bank saying the funds would not be available until XX/XX/. Since they had cashed the check and I needed {$1000.00} down payment for a car lease, I went into the bank to complain. They called fraud prevention who ( I later found out ) not only confirmed the hold and refused to budge, but extended the hold until XX/XX/. I called today and they again confirmed the XX/XX/ hold ( remember, this is a hold on cash that belongs to me, it is no longer a check ) and said the matter had been escalated to the office of the chairman of Citizens Bank. I want to get my money back and cancel my account with Citizens. I'm a consultant between contracts right now and if they don't give that money back my family will be destitute. Please help us! Thank you.
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A