Date Received: 2018-02-18
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: We opened a 16 month CD account@ 1.5 % APR effective XX/XX/XXXX and maturing on XX/XX/XXXX. We were not notified by letter that the CD was about to expire or asked what option we wanted. When we realized that the CD had matured my wife went to the bank. They stated that since we did not notify them as to what we wanted to do they rolled it over to another 16 month CD with an APR of 0.03 %. She told them that we wanted to be notified by letter or email when this CD was maturing. They stated that they would inform us by letter when it was about to mature. In XX/XX/XXXX, my wife said to me that she thought that our CD should be maturing. My wife called the bank and they said that it had matured and they rolled it over again to another 16 month CD@ 0.03 %. When we asked them why they did not notify us by letter or email as we asked and they said that they would do they could not give us an legitimate answer. We decided to close all accounts with this bank and pay the mere penalty of 3 months interest. Then they hit us with the {$50.00} on top of that which could have been waived. We would have filed a complaint sooner but we did not know that it was a law that they had to notify us by letter. It was twice that they did not notify us.
Company Response:
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Citizens Bank charged me three insufficient overdraft fees totalling {$100.00} for an account that was overdrawn by {$8.00}. I was not given notice either by mail or email I was being assessed such excessive fees for such small negative amount of money. I called Citizens Bank and the representative explained me that she couldn't reverse those fees because I received alerts on my online banking, which I would only know if I logged into my account. The overdraft fees charged by citizens bank are excessive and charged without notice to me. This practice is deceitful and unfair to any consumer. Citizens Bank has been sued multiple times for its unfair overdraft fee practices. I was an affected member in the past in some class actions against Citizens Bank unfair overdraft fees assessment.
Company Response:
State: MA
Zip: 01845
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My XXXX credit report shows a hard inquiry on XX/XX/2017 from Citizens Bank ... their contact information is as follows : CITIZENS BANK XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX I have not now nor ever had any business with Citizens Bank and would like to have this hard inquiry removed.
Company Response:
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
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 XXXX XXXX XXXX, XXXX. Washington, D.C. 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 https//complaint.consumerfinance.gov/submit-a-complaint CEO XXXX XX/XX/XXXX & XXXX XXXX Chairmans Office & Assistant Vice President XXXX XXXX, XX/XX/XXXX 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 Dear The Honorable XXXX XXXX & CEO XXXX XXXX & XXXX XXXX & Assistant Vice President XXXX XXXX, I present to you my 20th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 20th 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 20th Complaint Citizen Bank XX/XX/XXXX, Chairmans Office With XXXX, RI Citizens Bank Customer Relations Manager XXXX Have Acted Without Merit & Unreasonably Per Supervisor XXXX XX/XX/XXXX Statements On KXXXX XXXX XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Specific Authorization For A XX/XX/XXXX $XXXX Autopay ONLY On XX/XX/XXXX For My Home Equity Loan Account XXXX WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT WITH CUSTOMER SERVICE SUPERVISOR XXXX XX/XX/XXXX FULL SUPPORT ALLOWING A NOT AUTHORIZED NOR GRANTED PERMISSION BY XX/XX/XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XX/XX/XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XX/XX/XXXX [XX/XX/XXXX $XX/XX/XXXX OVERDRAFT + XX/XX/XXXX $XX/XX/XXXX SERVICE CHARGE + XX/XX/XXXX $XX/XX/XXXX SERVICE CHARGE + XX/XX/XXXX $XX/XX/XXXX SERVICE CHARGE AND $XXXX OVERDRAFT] & NOT ALLOWING XXXX XXXX XX/XX/XXXX CLAIM BY XXXX, RI CUSTOMER SERVICE REPRESENTATIVE XXXX WITH XXXX, CLAIMS DEPARTMENT STATEMENTS TO XXXX ON XX/XX/XXXX NOR ALLOWING XXXX XXXX XX/XX/XXXX CLAIM; THEREFORE, XXXX XXXX CHAIRMANS OFFICE WITH XXXX, RI CUSTOMER SERCIVE SUPERVISOR XXXX FREELY ALLOWED THEFT FROM XXXX OF $XXXX ON XX/XX/XXXX & THEFT OF OVERDRAFT & SERVICE CHARGE FEES TOTALING $XXXX FROM XX/XX/XXXX THROUGH XX/XX/XXXX WITH TWO XX/XX/XXXX CHARGES OF $XXXX SERVICE CHARGE BEFORE XXXX XXXX & $XXXX OVERDRAFT FEE AFTER XXXX XXXX XXXX XXXX freely believes the Citizens Bank XXXX XXXX, Chairmans Office and XXXX, RI Consumer Service Supervisor XXXX have acted without merit & unreasonably AND HAVE ACTED ILLEGALLY STEALING FUNDS FROM XXXX 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 $XXXX autopay on ONLY ON XX/XX/XXXX within the 15 day payment grace period given AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT ALLOWING WITH XXXX, RI CONSUMER FINANCE SUPERVISOR XXXX A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX [XX/XX/XXXX $XXXX OVERDRAFT + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT] & THE XX/XX/XXXX REFUSAL BY XXXX XXXX, CHAIRMANS OFFICE WITH XXXX, RI CUSTOMER SERVICE SUPERVISOR XXXX TO ALLOW XXXX XXXX XX/XX/XXXX & XX/XX/XXXX CLAIMS WITH XXXX, CLAIMS DEPARTMENT, XX/XX/XXXX STATEMENTS TO XXXX; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE WITH XXXX, RI CUSTOMER SERVICE SUPERVISOR XXXX HAVE ACTED TO FREELY ILLEGALLY STEAL $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT. . 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 XXXX XXXX XX/XX/XXXX call from XXXX XXXX through XXXX XXXX to Customer Service Representative XXXX transferred to XXXX, Claims Department & XX/XX/XXXX call from XXXX XXXX To XXXX XXXX to Claims Department XXXX (XXXX) XXXX XXXX option 2 transferred to Customer Service Representative XXXX transferred to Customer Service Supervisor XXXX, both Citizens Bank recorded calls with truthful notes taken by 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 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 $XXXX 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 XX/XX/XXXX $XXXX 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 $XXXX 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 $XXXX 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 $XXXX 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 XX/XX/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 XX/XX/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 $XXXX autopay, XXXX learned from the (XXXX) XXXX XXXX Citizens Bank staff her XX/XX/XXXX $XXXX autopay was collected by the Citizens Bank Home Equity Loan Department on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX Call From XXXX XXXX XXXX XXXX To XXXX, RI Customer Service Representative XXXX With Transfer To XXXX, Claims Department & XX/XX/XXXX Call From XXXX XXXX XXXX - XXXX XXXX To XXXX At Citizens Bank Claims Department With Transfer To XXXX, RI Customer Service Representative XXXX With Transfer To XXXX Citizens Bank Customer Service Supervisor XXXX. XX/XX/XXXX XXXX XXXX calls XXXX XXXX XXXX XXXX to Citizens Bank (XXXX) XXXX XXXX & Customer Service Representative XXXX & Claims Department Representative XXXX at (XXXX) XXXX - XXXX option 2. Checks Posting: # XXXX $XXXX XX/XX/XXXX & # XXXX $XXXX XX/XX/XXXX & # XXXX $XXXX XX/XX/XXXX & # XXXX $XXXX XX/XX/XXXX Charges Without Merit to XXXX checking account XXXX: XX/XX/XXXX $XXXX overdraft & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX internal bank debit = fee for sustained overdraft [XXXX] = $XXXX theft XXXX stated to XXXX did she file a Claim & XXXX reply she emailed XXXX XXXX XXXX & XXXX XXXX & spent just around 3 hours today speaking with XXXX & officials for XXXX in which no one stated XXXX needs to file a Claim; XXXX petitions XXXX to file this Claim: XX/XX/XXXX checking account XXXX balance $XXXX = Check XXXX $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + $XXXX balance cash = Citizens Bank & XXXX XXXX freely agreed with; XX/XX/XXXX Citizens Bank withdrew $XXXX which they had no authorization or permission for & violating Federal banking & finance & consumer regulations from XXXX XXXX giving XXXX checking account a negative balance of $XXXX for Check XXXX $XXXX had not posted yet & for which Citizens Bank without merit and then Citizens Bank acted without merit violating Federal banking & finance & consumer regulations withdrawing the following charges & fees: XX/XX/XXXXXXXX $XXXX overdraft + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX internal bank debit = fee for suspained overdraft XXXX stated to XXXX totaling $XXXX theft from XXXX XXXX checking account XXXX XXXX wrote XXXX Claim & filed it to the Citizens Bank Claims Department by XXXX XXXX on XX/XX/XXXX then offering to XXXX she speak with the Claims Department to complete her Claim filing; XXXX then spoke with XXXX of the Claims Department & together they agreed with: 1. XXXX statement was not great, what he meant is the whole Claim will be worked by the Claims Department & when XXXX filed XXXX Claim it was completed, 2) a new Claim takes up to 24 hours to be processed through, 3) once a new Claim is processed a Claim number will be assigned to it, 4) it can take up to 10 business days for a Claim working & now the Claims work is faster with 3 5 business days for Claim working to be finished, 4) with a finished Claim working a refund will be deposited into XXXX checking account XXXX, 5) XXXX XXXX refund is the Claim amount of $XXXX & all charges & fees[XX/XX/XXXX $XXXX overdraft & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX service charge] related to the XX/XX/XXXX $XXXX charge which XXXX stated will be next Tuesday XX/XX/XXXX , & 6) XXXX new Claim will be processed overnight & by XX/XX/XXXX XXXX XXXX XXXX XXXX can call the Claims Department to get the Claim number assigned to her Claim; Claim Departments phone number is (XXXX) XXXX XXXX option 2. XXXX thanked XXXX for her important detailed Claim information for XXXX & their call was finished at XXXX XXXX. XX/XX/XXXX XXXX XXXX calls XXXX XXXX to Citizens Bank Claims Department Representative XX/XX/XXXXat (XXXX) XXXX - XXXX option 2, followed by Citizens Bank (XXXX) XXXX XXXX Customer Service Representative XXXX & XXXX Supervisor XXXX ending at XXXX XXXX XXXX XXXX spoke with XXXX petitioning to learn the XXXX XXXX Claim number XXXX stated to XXXX on XX/XX/XXXX would be processed byXXXX XXXX XXXX on XX/XX/XXXX; XXXX states to XXXX she cannot find the XX/XX/XXXX Claim & XXXX petitions XXXX to add the second Citizens Bank XX/XX/XXXX fee of $XXXX overdraft, done late the afternoon of XX/XX/XXXX for it was not there at XXXX XXXX with XXXX answer it could not be added to the XX/XX/XXXX Claim & XXXX should file a new Claim for it & XXXX replied she would, & after looking to find XXXX to have XXXX state to XXXX what XXXX stated to XXXX on XX/XX/XXXX, XXXX came back to XXXX she does not know where she is & she has found no XX/XX/XXXX Claim #; XXXX then petitions XXXX to transfer her to Customer Service to have XXXX find the Claim he filed for XXXX at XXXX XXXX on XX/XX/XXXX & add a claim for the late XX/XX/XXXX $XXXX overdraft fee, a 2nd fee by Citizens Bank on XX/XX/XXXX; XXXX speaks with XXXX, Customer Service Representative, stating to XXXX XXXX is calling about the XX/XX/XXXX Claim he filed for her at XXXX XXXX& XXXX highlighted her XX/XX/XXXX Claim: XX/XX/XXXX checking account XXXX balance $XXXX = Check XXXX $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + $XXXX balance cash = Citizens Bank & XXXX XXXX freely agreed with; XX/XX/XXXX Citizens Bank withdrew $XXXX which they had no authorization or permission for & violating Federal banking & finance & consumer regulations from XXXX XXXX giving XXXX checking account a negative balance of $XXXX for Check XXXX $XXXX had not posted yet & for which Citizens Bank without merit and then Citizens Bank acted without merit violating Federal banking & finance & consumer regulations withdrawing the following charges & fees: XX/XX/XXXX $XXXX overdraft + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX internal bank debit = fee for sustained overdraft XXXX stated to XXXX totaling $XXXX theft from XXXX XXXX checking account XXXX & offered to XXXX Claims Department XXXX just stated to XXXX XXXX cannot find his filed XX/XX/XXXX Claim & because Citizens Bank late on XX/XX/XXXX added a second fee of $XXXX overdraft creating a grand total of $XXXX XXXX is petitioning XXXX to file a new Claim of XX/XX/XXXX equaling the XX/XX/XXXX Claim with the addition of the second XX/XX/XXXX Citizens Bank fee of $XXXX overdraft; XXXX stated to XXXX he wanted to check with his Supervisor to make sure XXXX knew how to correctly file the new Claim & when XXXX came back to XXXX XXXX stated his Supervisor XXXX stated a Claim could not be filed for XXXX is working on it; XXXX asked XXXX who XXXX is for XXXX has never gotten a call or email or letter from XXXX & XXXX reply XXXX is in the Chairmans Office & he is getting XXXX for me to state to me what is going on; Supervisor XXXX speaks with XXXX stating XXXX is working on it so a Claim cannot be filed & stunned XXXX states to XXXX XXXX did not give permission or instructions for Citizens Bank to withdraw $XXXX on XX/XX/XXXX & this theft with the total theft of $XXXX in overdraft & services charges from XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX are all violations of Federal banking & finance & consumer regulations XXXX learned from her Uncle, the youngest XXXX XXXX XXXX of the XXXX XXXX XXXX in its history & XXXX freely stated to XXXX on XX/XX/XXXX just after XXXX XXXX should file a Claim & just after XXXX XXXX XXXX, Claims Department, stated to XXXX by next Tuesday XXXX will have refunded the $XXXX & all of the overdraft & service charge fees of $XXXX; Supervisor XXXX then freely stated to XXXX for XXXX in the Chairmans Office is working on it & the $XXXX was a Citizens Bank transfer of funds to a loan there could be no Claim: XXXX then asked Supervisor XXXX a number of detailed questions: 1) Assistant Vice President XXXX XXXX had his checking account funds transferred in full by a FBI investigated theft action & Citizens Bank fully supported Assistant Vice President XXXX XXXX Claim of his checking account theft = Citizens Bank DID ALLOW A FILED CLAIM OF FUNDS TRANSFER & Supervisor XXXX stated to XXXX yes Citizens Bank does allow Claims of funds transfer & 2) when Citizens Bank customers have their checking account & debit card information stolen & wrongfully used by someone transferring checking account funds & said customers act to file Citizens Bank Claims are said Claims allowed by Citizens Bank & Supervisor XXXX reply to XXXX is Yes; XXXX then importantly notes to Supervisor XXXX XXXX does not know XXXX & since XX/XX/XXXX XXXX has filed 18 Complaints to the Federal Reserve & CFPB & through this XXXX has never called or emailed or written to XXXX stating XXXX was working on it or any statements; XXXX then formally petitions Supervisor XXXX to file a XX/XX/XXXX Claim with XXXX detailed Claim information given to XXXX on XX/XX/XXXX & XXXX Claims Department on XX/XX/XXXX & XXXX Claims Department on XX/XX/XXXX & Supervisor XXXX direct answer is NO to XXXX; XXXX then petitions Supervisor XXXX to give her XXXX name & email: XXXX XXXX, XXXX & she works in the Charimans Office; XXXX THEN STATES TO SUPERVISOR XXXX XXXX & HE HAVE VIOLATED FEDERAL BANKING & FINANCE & CONSUMER REGULATIONS BY THEIR ACTS & XX/XX/XXXX XXXX CLAIMS DEPARTMENT STATED TO XXXX BY NEXT TUESDAY XXXX WOULD HAVE REFUNDED THE $XXXX & THE FULL $XXXX OVERDRAFT & SERVICE CHARGES & XXXX FREELY BELIEVES CITIZENS BANK HAS ACTED CAUSING A THEFT OF A TOTAL OF $XXXX OVERDRAFT & SERVICE CHARGES & $XXXX XXXX XXXX NEVER AUTHORIZED OR GAVE PERMISSION FOR A XX/XX/XXXX WITHDRAW FROM HER CHECKING ACCOUNT THUS XXXX WAS FILING TWO MORE FEDERAL RESERVE CFPB COMPLAINTS STATING XXXX XXXX & SUPERVISOR XXXX UNREASONABLE ACTIONS; Supervisor XXXX final statement to XXXX was he was immediately emailing XXXX with the XX/XX/XXXX matters & XXXX will be hearing from XXXX. 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 XXXX, RI Customer Service Supervisor XXXX To Have Acted Without Merit & Unreasonably & With Theft When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX Call To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization ONLY For A XX/XX/XXXX $XXXX Autopay ONLY On XX/XX/XXXX For My Home Equity Loan Account XXXX AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT WITH CUSTOMER SERVICE SUPERVISOR XXXX ALLOWING A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX [XX/XX/XXXX $XXXX OVERDRAFT + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT] & NOT ALLOWING XXXX XXXX XX/XX/XXXX & XX/XX/XXXX CLAIMS & NOT ALLOWING XXXX, CLAIMS DEPARTMENT, STATEMENTS TO XXXX ON XX/XX/XXXX ; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE XXXX, RI CUSTOMER SERVICE SUPERVISOR XXXX HAVE ACTED TO FREELY ILLEGALLY STEAL $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 20th Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX (XXXX) XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
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 XXXX XXXX XXXX, XXXX. Washington, D.C. 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 https//complaint.consumerfinance.gov/XXXX CEO XXXX XXXX XXXX & XXXX XXXX Chairmans Office & Assistant Vice President XXXX XXXX, XX/XX/XXXX 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 Dear The Honorable XXXX XXXX & CEO XXXX XXXX & XXXX XXXX & Assistant Vice President XXXX XXXX, I present to you my 19th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 19th 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 19th Complaint Citizen Bank XXXX XXXX, Chairmans Office With Consumer Finance With Home Equity Loan Department Has Acted Without Merit & Unreasonably When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Specific Authorization For A XX/XX/XXXX $XXXX Autopay ONLY On 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 XX/XX/XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT WITH CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT ALLOWING A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX [XX/XX/XXXX $XXXX OVERDRAFT + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT]; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE WITH CITIZENS BANK CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT HAVE ACTED TO FREELY ILLEGALLY STEAL $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT. XXXX XXXX freely believes the Citizens Bank XXXX XXXX, Chairmans Office and Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably AND HAVE ACTED ILLEGALLY STEALING FUNDS FROM XXXX 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 $XXXX 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 XX/XX/XXXX every time XXXX has tried to speak with Consumer Finance they have hung up the phone with her, AND AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT ALLOWING WITH CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX [XX/XX/XXXX $XXXX OVERDRAFT + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT]; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE WITH CITIZENS BANK CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT HAVE ACTED TO FREELY ILLEGALLY STEAL $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT. . 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 XXXX XXXX XX/XX/XXXX call from XXXX XXXX To XXXX XXXX to Claims Department XXXX (XXXX) XXXX XXXX option 2 transferred to Customer Service Representative XXXX transferred to Customer Service Supervisor XXXX, both Citizens Bank recorded calls with truthful notes taken by 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 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 $XXXX 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 XX/XX/XXXX $XXXX 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 $XXXX 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 $XXXX 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 $XXXX 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 XX/XX/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 XX/XX/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 $XXXX autopay, XXXX learned from the (XXXX) XXXX XXXX Citizens Bank staff her XX/XX/XXXX $XXXX autopay was collected by the Citizens Bank Home Equity Loan Department on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX Call From XXXX XXXX XXXX - XXXX XXXX To XXXX At Citizens Bank Claims Department With Transfer To Citizens Bank Customer Service Representative XXXX With Transfer To XXXX Citizens Bank Customer Service Supervisor XXXX, All At XXXX RI Citizens Bank Branch XXXX XXXX Believes. XX/XX/XXXX XXXX XXXX calls XXXX XXXX to Citizens Bank Claims Department Representative XXXX at (XXXX) XXXX XXXX XXXX option 2, followed by Citizens Bank (XXXX) XXXX XXXX Customer Service Representative XXXX & XXXX Supervisor XXXX ending at XXXX XXXX XXXX XXXX spoke with XXXX petitioning to learn the XX/XX/XXXX Claim number XXXX stated to XXXX on XX/XX/XXXX would be processed byXXXX XXXX XXXX on XX/XX/XXXX; XXXX states to XXXX she cannot find the XX/XX/XXXX Claim & XXXX petitions XXXX to add the second Citizens Bank XX/XX/XXXX fee of $XXXX overdraft, done late the afternoon of XX/XX/XXXX for it was not there at XXXX XXXX with XXXX answer it could not be added to the XX/XX/XXXX Claim & XXXX should file a new Claim for it & XXXX replied she would, & after looking to find XXXX to have XXXX state to XXXX what XXXX stated to XXXX on XX/XX/XXXX, XXXX came back to XXXX she does not know where she is & she has found no XX/XX/XXXX Claim #; XXXX then petitions XXXX to transfer her to Customer Service to have XXXX find the Claim he filed for XXXX at XXXX XXXX on XX/XX/XXXX & add a claim for the late XX/XX/XXXX $XXXX overdraft fee, a 2nd fee by Citizens Bank on XX/XX/XXXX; XXXX speaks with XXXX, Customer Service Representative, stating to XXXX XXXX is calling about the XX/XX/XXXX Claim he filed for her at XXXX XXXX& XXXX highlighted her XX/XX/XXXX Claim: XX/XX/XXXX checking account XXXX balance $XXXX = Check XXXX $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + $XXXX balance cash = Citizens Bank & XXXX XXXX freely agreed with; XX/XX/XXXX Citizens Bank withdrew $XXXX which they had no authorization or permission for & violating Federal banking & finance & consumer regulations from XXXX XXXX giving XXXX checking account a negative balance of $XXXX for Check XXXX $XXXX had not posted yet & for which Citizens Bank without merit and then Citizens Bank acted without merit violating Federal banking & finance & consumer regulations withdrawing the following charges & fees: XX/XX/XXXX $XXXX overdraft + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX internal bank debit = fee for sustained overdraft XXXX stated to XXXX totaling $XXXX theft from XXXX XXXX checking account XXXX & offered to XXXX Claims Department XXXX just stated to XXXX XXXX cannot find his filed XX/XX/XXXX Claim & because Citizens Bank late on XX/XX/XXXX added a second fee of $XXXX overdraft creating a grand total of $XXXX XXXX is petitioning XXXX to file a new Claim of XX/XX/XXXX equaling the XX/XX/XXXX Claim with the addition of the second XX/XX/XXXX Citizens Bank fee of $XXXX overdraft; XXXX stated to XXXX he wanted to check with his Supervisor to make sure XXXX knew how to correctly file the new Claim & when XXXX came back to XXXX XXXX stated his Supervisor XXXX stated a Claim could not be filed for XXXX is working on it; XXXX asked XXXX who XXXX is for XXXX has never gotten a call or email or letter from XXXX & XXXX reply XXXX is in the Chairmans Office & he is getting XXXX for me to state to me what is going on; Supervisor XXXX speaks with XXXX stating XXXX is working on it so a Claim cannot be filed & stunned XXXX states to XXXX XXXX did not give permission or instructions for Citizens Bank to withdraw $XXXX on XX/XX/XXXX & this theft with the total theft of $XXXX in overdraft & services charges from XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX are all violations of Federal banking & finance & consumer regulations XXXX learned from her Uncle, the youngest Senior Vice President of XXXX XXXX XXXX XXXX in its history & XXXX freely stated to XXXX on XX/XX/XXXX just after XXXX XXXX should file a Claim & just after XXXX XXXX XXXX, Claims Department, stated to XXXX by next Tuesday XXXX will have refunded the $XXXX & all of the overdraft & service charge fees of $XXXX; Supervisor XXXX then freely stated to XXXX for XXXX in the Chairmans Office is working on it & the $XXXX was a Citizens Bank transfer of funds to a loan there could be no Claim: XXXX then asked Supervisor XXXX a number of detailed questions: 1) Assistant Vice President XXXX XXXX had his checking account funds transferred in full by a FBI investigated theft action & Citizens Bank fully supported Assistant Vice President XXXX XXXX Claim of his checking account theft = Citizens Bank DID ALLOW A FILED CLAIM OF FUNDS TRANSFER & Supervisor XXXX stated to XXXX yes Citizens Bank does allow Claims of funds transfer & 2) when Citizens Bank customers have their checking account & debit card information stolen & wrongfully used by someone transferring checking account funds & said customers act to file Citizens Bank Claims are said Claims allowed by Citizens Bank & Supervisor XXXX reply to XXXX is Yes; XXXX then importantly notes to Supervisor XXXX XXXX does not know XXXX & since XX/XX/XXXX XXXX has filed 18 Complaints to the Federal Reserve & CFPB & through this XXXX has never called or emailed or written to XXXX stating XXXX was working on it or any statements; XXXX then formally petitions Supervisor XXXX to file a XX/XX/XXXX Claim with XXXX detailed Claim information given to XXXX on XX/XX/XXXX & XXXX Claims Department on XX/XX/XXXX & XXXX Claims Department on XX/XX/XXXX & Supervisor XXXX direct answer is NO to XXXX; XXXX then petitions Supervisor XXXX to give her XXXX name & email: XXXX XXXX, XXXX & she works in the Charimans Office; XXXX THEN STATES TO SUPERVISOR XXXX XXXX & HE HAVE VIOLATED FEDERAL BANKING & FINANCE & CONSUMER REGULATIONS BY THEIR ACTS & XX/XX/XXXX XXXX CLAIMS DEPARTMENT STATED TO XXXX BY NEXT TUESDAY XXXX WOULD HAVE REFUNDED THE $XXXX & THE FULL $XXXX OVERDRAFT & SERVICE CHARGES & XXXX FREELY BELIEVES CITIZENS BANK HAS ACTED CAUSING A THEFT OF A TOTAL OF $XXXX OVERDRAFT & SERVICE CHARGES & $XXXX XXXX XXXX NEVER AUTHORIZED OR GAVE PERMISSION FOR A XX/XX/XXXX WITHDRAW FROM HER CHECKING ACCOUNT THUS XXXX WAS FILING TWO MORE FEDERAL RESERVE CFPB COMPLAINTS STATING XXXX XXXX & SUPERVISOR XXXX UNREASONABLE ACTIONS; Supervisor XXXX final statement to XXXX was he was immediately emailing XXXX with the XX/XX/XXXX matters & XXXX will be hearing from XXXX. 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 Home Equity Loan Department To Have Acted Without Merit & Unreasonably & With Theft When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX Call To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization ONLY For A XX/XX/XXXX $XXXX Autopay ONLY On 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 XX/XX/XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX, AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT WITH CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT ALLOWING A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX [XX/XX/XXXX $XXXX OVERDRAFT + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT]; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE WITH CITIZENS BANK CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT HAVE ACTED TO FREELY ILLEGALLY STEAL $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 19th Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX (XXXX) XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Other service problem
Subissue:
Consumer Complaint: Citizens Bank allowed approximately {$3000.00} to be deducted from my bank account between XXXX and XX/XX/2017. The money was pulled by XXXX XXXX daily. Citizens would not provide the documentation needed to recover the unauthorized funds, which led to hardship. Banks need to be watchful of excessive activity on an account that is out of line with prior activity. Daily ACH pulls in the amounts of {$75.00} to {$100.00} should be a red flag for a bank. Other banks will notify customers if they see excessive activity on an account. My property is now going into foreclosure because I can't recover the money. While Citizens isn't responsible for the activity, they are responsible for alerting their customers when activity on an account is excessive. I have provided them extensive documentation on why the activity was fraudulent, including phone records from various states and calls made at 3 or 4 in the morning. The bank has taken a very passive approach to this information, closed my account, and has ignored the documentation. FDIC insurance is null in this case. If someone were to come into the bank and steal from the account that's considered serious. Because it was done by phone and computer, the bank is not acknowledging any problem.
Company Response:
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have repeatedly asked Citizen 's Bank to send me a mitigation loss application so I can apply for loan modification ; they keep saying they are going to send it, but never do. It has been more than a month now since my initial request they mail me an application.
Company Response:
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I received a check from a record label I'd done some music for. The check totalled {$7000.00} dollars. Citizens bank employee XXXX XXXX was very polite and helpful when opening the account saying that five to seven business days were needed for the account to clear. I assured her that I would pay past overdraft fees from past accounts and looked forward to continuing to bank there as it is located in my neighborhood. This took place at the end of XX/XX/2017. After five business days I was told that the funds were not available and unable to get a pin number for my new atm card meaning no check and the inability to deposit my payroll checks from my job as well. I went to discuss with tellers early one morning only to be dismissed by a woman named XXXX the acting bank manager. She said the check was bad and had not been cleared. When I talked to the person that issued the check, XXXX XXXX XXXX, their bank, had generated the check electronically with an electronic signature via XXXX XXXX. After meeting with XXXX no one would explain how we could solve the issue. She was unwilling to explain what " discrepancies '' were found in the way the check was issued. This has ruined my XXXX season and the ideas I had for moving forward as an aspiring musician. They now claim the check will be returned in XX/XX/XXXX to the issuer. I simply can't believe they would steal my money. If they didn't want to open the account I would gladly gone to another bank.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A