Date Received: 2018-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at XXXX XXXX for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and XXXX XXXX is doing nothing to take care of the issue.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off and closed a HELOC account with Citizens Bank at the beginning of XX/XX/XXXX. It was paid off in two payments, the first was applied incorrectly. It should have been 100 % principal and they split it into principal and interest. The payoff amount increased when I went to pay it in full two days after the first payment. I made and documented numerous calls to customer service to resolve the issue. They credited me back a {$25.00} fee because it was an annual fee and the loan was paid off 6 days after it was charged. They calculated an overpayment of {$53.00} and told me this would come back to me in the form of a check. For a couple weeks I would follow-up by phone and be told it was in process. Then after the first week of XXXX I was told they couldn't see it in the system, " there was no overpayment ''. At no time, when I have requested, has anyone at the bank been willing to give me a numerical breakdown of the payoff calculations.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I cosigned a student loan thru Citizens bank for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment inXX/XX/XXXXand she called XXXX on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by Citizens that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru Citizens and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru Citizens and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that XXXX has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
Company Response:
State: NH
Zip: 03053
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 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 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 XXXX XXXX, XX/XX/XXXX email to 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 Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX , I present to you my 16th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 18th 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 18th Complaint Citizen Bank XXXX XXXX Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank XXXX XXXX Staff Has 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 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. IMPORTANT POINT : THE HONORABLE XXXX XXXX XXXX XXXX HAS NOT DETERMINED XXXX XXXX AND XXXX XXXX XXXX ARE RESPONSIBLE TO PAY THE LATE CHARGES CITIZENS BANK HAS BILLED XXXX XXXX AND XXXX XXXX XXXX FOR & AT BILLING ADDITIONAL PRINCIPAL LOAN SUMS WHEN XXXX XXXX & XXXX XXXX XXXX HAVE NOT APPLIED FOR A NEW HOME EQUITY LOAN AFTER BEING GRANTED ONE BY CITIZENS BANK IN XX/XX/XXXX!!!!!!!! XXXX XXXX freely believes the Citizens Bank XXXX XXXX Vice President & Operations Manager XXXX XXXX with support by Citizens Bank XXXX XXXX staff of the Home Equity Loan Department have acted without merit & unreasonably when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX charging a Late Charge Assessed of {$36.00} on XX/XX/XXXX and a Past Due Payment of {$360.00} on the Citizens Bank Home Equity Loan XXXX Statement dated XX/XX/XXXX. Please find documentation for XXXX XXXX XX/XX/XXXX 18th Complaint : XX/XX/XXXX XX/XX/XXXX Home Equity Loan Statement Date Statement : Amount Due {$7700.00} [ {$1200.00} + {$360.00} + XXXX ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$360.00} + Past Due Payment {$6100.00} = Total Amount Due {$7700.00}. Amount Past Due {$6100.00} + Late Charges Due {$360.00} = 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 XXXX LATE CHARGES DUE {$400.00} 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 WHEN XXXX XXXX HAS HAD {$1200.00} AVIALABLE AUTOPAY FUNDS CITIZENS BANK ACTS TO NOT WITHDRAW & XXXX XXXX & XXXX XXXX XXXX HAVE NEVER FILED A HOME LOAN OF ANY TYPE FOR NOR HAVE XXXX XXXX & XXXX XXXX XXXX EVER GOTTEN ADDITIONAL PRINCIPAL SUMS FOLLOWING THEIR XX/XX/XXXX HOME EQUITY LOAN & XX/XX/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 XXXXXXXX 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 XX/XX/XXXXMONTHS 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 XX/XX/XXXX MONTH XXXX XXXX COULD NOT PAY FOR CITIZENS BANK VIOLATED XXXX INSTRUCTIONS, COMPLAINT XXXX & THE MONTHS AT THE END OF XX/XX/XXXX WHEN CITIZENS BANK OFFICIALS DID NOT WITHDRAW XXXX AVAILABLE {$1200.00} WITHIN FIFTEEN DAY ALLOWED GRACE PERIOD : XXXX XXXX XX/XX/XXXX 8th Complaint Citizen Bank XXXX XXXX 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 XXXX XXXX With Home Equity Loan Department Act Violating XXXX XXXX DetailedXX/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 XXXX XXXX Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank XXXX XXXX Staff Of The Citizens Bank Home Equity Loan Department Have Freely violated Federal Banking Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank XXXX XXXX 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 XXXX XXXX OF THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT STAFF, MOST ESPECIALLY XXXX XXXX VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX TO HONOR & ACKNOWLEDGE THE HONORABLE XXXX XXXX XXXX XXXX ACT SHE HAS NOT DETERMINED XXXX XXXX & XXXX XXXX XXXXXXXX ARE RESPONSIBLE FOR ALL OF THE CITITZENS BANK BILLED LATE CHARGES FOR ACCOUNT XXXX BY REMOVING EVERY XXXX OF CITIZENS BANK LATE CHARGES ASSESSED TO ACCOUNT XXXX. AND XXXX XXXX WANTS ALL CITIZENS BANK XXXX XXXX OF THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT STAFF, MOST EXPECIALLY XXXX XXXX VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX TO CORRECTLY CALCULATE PAST DUE AMOUNTS WITHOUT XXXX RED XXXX OF MONTHS PRINCIPAL SUMS 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 18th Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-27
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Had a vehicle that was financed at the Bank that was traded in and paid off in XXXX. Subsequent to the payoff, another payment ( {$540.00} ) was sent by my bank due to my failure to stop the automatic draft in time. I have since called the Bank and spoke with numerous people ( at least 6 phone calls ) who all told me they would be sending me a check for the payment in about a week. This went on for three months. Today I called them again because I still have not received the check. The CSR that I talked to today informed me that my payment was applied to a family members account that I have nothing to do with. So I had that family member to call and confirm that the payment was posted to their account so that I could get them to refund my money. I gave her my case # and she called and spoke to two different CSRs who both told her the payment was not there.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Without knowing how close our loan was to payoff, we sent a payment this month, which my bank told me it was putting back into my account, saying " it was returned to our processing center due to the payee 's refusal to accept the payment. '' We assumed it was because the amount we sent was over the owed amount. We never saw a statement for XX/XX/XXXX. I called Citizens One regarding my account, and they told me that the final payment of the loan has to be sent to a different address. He told me he couldn't take the late fee off without the payment being up to day ( which was already more than the amount we had sent ). He told me he couldn't take my payment, that he'd have to send me to the automated system. I went back through the automated system, and it didn't recognize my account number. I tried to create a username on their website, and it wouldn't recognize my account number. I have never heard of a loan company needing the last payment sent to a different address. My last auto loan didn't have that. My wife 's school loans through XXXX XXXX weren't that ridiculous. All I can figure is that they want to squeeze every little % and late fee they can from us.
Company Response:
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Citizens Bank accepted my deposit of {$150000.00} on XX/XX/XXXX. They claim they can not " verify '' the amount with XXXX XXXX XXXX. I asked them what they mean by " verify '' but they could not. I confimed with the title agency who has the XXXX relationship with XXXX XXXX and they they had over $ 5Million in funds available at XXXX. The name of the title agency was " XXXX XXXX XXXX '' of XXXX XXXX NJ.. They refuse to clear the check until XX/XX/XXXX. Citizens is clearly delaying the clearing of these funds to make money on the float. I suspect I 'm not the only customer getting screwed. Please call me at XXXX.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A