Date Received: 2017-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for XXXX secured credit card. I didnt know they would have a hard credit inquiry. Plus they hit my credit twice. On XXXX XXXX and XXXX XXXX.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I believe my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Charter One Bank private student loan is part of the lawsuit against XXXX for fraudulent collections. I also believe there is supposed to be an audit occurring on those false judgments per the order of the Consumer Financial Protection Bureau lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I took out a {$15000.00} private student loan through XXXX XXXX XXXX XXXX XXXX, the lender was Charter One bank. In XX/XX/XXXX, I have documentation showing I took out another {$15000.00} private student loan. I do not know if it was through XXXX, but the lender was Citizens bank. I had been making payments on the XXXX Charter One student loan until I became unemployed in XX/XX/XXXX. I believe these payments were made to XXXX XXXX XXXX ( XXXX ) at that time. In early XX/XX/XXXX, I started receiving legal documents as attempt to collect debt for the XXXX XXXX XXXX loan. It resulted in a judgment placed against me by XXXX. The XXXX XXXX lawsuit matches the information in the complaint and judgment I received. I have been making payments for the XXXX Charter One loan to a collections law firm, XXXX and XXXX, XXXX since XX/XX/XXXX. XXXX and XXXX have made several different payment arrangements with me as I attempt to manage my XXXX Bank private student loan and government student loans. I currently make monthly payments directly to XXXX and XXXX ( through automatic withdrawal from my checking account ). XXXX and XXXX have stated they will review my income annually and adjust my payment plan accordingly. I have no recollection of making any payments toward or receiving collection notices on my Citizens Bank private student loan until XX/XX/XXXX and am curious why it took them so long to attempt to collect from me. A friend recently advised me to stop paying XXXX and XXXX and file a complaint with the Consumer Financial Protection Bureau to determine if XXXX and XXXX is supposed to be collecting payments on behalf of XXXX and the Charter One loan. My friend informed me that XXXX is not a collection bureau or a lender, and therefore, placed a judgment against me illegally. I would like to know/understand what is going on with XXXX and who I am supposed to be making my Charter One private student loan payments to and if I can get my money back if my payments have been handled improperly. I would also like to know if my Citizens Bank private student loan is associated with XXXX. Id like to try to refinance my private student loans, but it seems undetermined if my XXXX/Charter One judgment is legal.
Company Response:
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have encountered fees when I have purchased items from certain vendors. Such as XXXX XXXX or XXXX. I make the purchase with fees in my account. The account debits the amount. Later, Citizens does not withdraw the amount. FOR WHATEVER REASON. I guess this is the part where they are going to make their money. They put the money back into my account showing I have more funds than I actually have. Online, it shows that I have the extra amount in my account. Again, what is the purpose of having online banking if the amounts are not true? I may have spent the extra cash but my account reflects online that I am able to deposit the money into my account at a later date to avoid fees. Why do you have this system in place saying if you deposit by 10 you wo n't get a fee? Next time I will take screen shots of how this took place. Better yet I will find a new bank.
Company Response:
State: NY
Zip: 14616
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I met XXXX XXXX on XXXX sometime in XX/XX/XXXX I think. He friend requested me. For a long time I did n't answer the friend request I finally did and accepted him. We started talking and we hit it off pretty well, I thought. After he told me he loved me and wanted to marry me, he then asked for my help and that he was in jam. He asked me to send money to XXXX to pay for his shipping fees for goods that he was selling in XXXX worth about 1.3 million in USD. I agreed to help him. Then a few days later he told me that there was a tax fee he did n't know about of {$5000.00}. I helped him. All the while expected he was going to pay me back because he said he would several times which I have snapshots of our conversation on XXXX. After the tax fee was paid he told me he needed money to pay the hotel bill because he spent all his money on the tickets to fly to USA with his daughter, XXXX. ( I actually spoke to his daughter XXXX, supposedly after they arrived in XXXX. ) I have receipts for all the XXXX XXXX transfers that I sent to XXXX. I have snapshots of the names he told me to send them to. Including fees I spent {$15000.00} loaning him money. He kept saying that his friend, another buyer, owed him money from artwork he sold him and was going to pay him in XX/XX/XXXX. At the beginning of the month of XX/XX/XXXX he told me he would pay me back and it would take a few days. Then it turned into just wait. Then it was the XX/XX/XXXX. The it was the XX/XX/XXXX. I have it documented that I wrote his friend said the amount he owed him ( {$64000.00} ) would not show up all at once and the first amount would be {$6500.00} and that I should send that to him to pay the final transfer fees for his XXXX XXXX. ( XXXX told me the transfer fees was why he was " stuck '' in XXXX with his daughter the whole time. ) He stopped talking to me for a few days. I have it documented that he started talking to me again on XX/XX/XXXX and transferred {$5000.00} into the savings account I opened for him about three weeks ago. He said that I was to send him {$2000.00} of it to pay for the transfer fees for his XXXX XXXX dollars with the XXXX. I told him I would n't go behind my mother 's back ( I had confided in three family members by this time. ) to send him another transfer. Also, I said if he paid me in full I could show my mother this and then would be able to send him whatever he needed. I lived with my parents then and she told me I could find another place to live if I sent him anymore money. I tried telling XXXX this but he did n't seem to care I would be homeless. He was trying to get me to do it without telling my mother. I was adamant about not sending him anything and did not. He again stopped talking to me. Then he had his friend call me. He said his name was XXXX, his number was XXXX. He was in NY at the time and told me he was going to XXXX. He told me that I was to send the {$2000.00} to XXXX or he was n't going to pay me the remaining amount that XXXX owed me. I remember having several phone conversations with this man " arguing '' about sending more money or I would not get my other money back. Today I still get angry that I was taken advantage of with regards to money, regardless of being XXXX medications. I can assure you this will never happen again in my life time. XXXX manipulated me into believing I was helping him with his business. However, he did it in a way that was " romantic like ''. I do not know if because he tricked me into believing he was coming to America to be with me when he got the XXXX XXXX dollars matters as a business transaction or not. However, I am also including the information from the bank I used ( which the account is now closed ) and the bank in XXXX that he was referring to. I am also including contact information that XXXX gave me when he said he was from XXXX. Right now I am not sure what to think because it has come to my attention that he could have been XXXX. I remember seeing a glimpse of someone while on XXXX ( for XXXX reasons ) but the video was not clear on his end. I heard his voice and his supposed daughter 's voice at one point. I spoke to his daughter in regards to her interrogating me about " doubting her father ''. My bank was Citizens Bank, account number XXXX routing number XXXX. The XXXX bank was XXXX, XXXX XXXX XXXX XXXX 6. XXXX XXXX, XXXX XXXX, XXXX. Remittance Department XXXX. XXXX 's contact information in XXXX was XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Phone number XXXX. I had another number I thought, however, I am dealing with a family matter and do not have access to all of paperwork. Email address for XXXX was XXXXXXXXXXXX. XXXX 's business address was XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. It was some kind of art gallery. I do not have the information on the name of the art gallery. I have names of the people I address the money transfers to. XXXX XXXX. ( male ). XXXX XXXX. XXXX XXXX XXXX. All were sent to an XXXX location. I have some sort of flight plan information too. It includes his name and his daughter 's name on it. I feel like I am missing some of the information that I had saved for some reason. I have pictures of a man and his daughter. However, I am almost positive that is not who I was actually talking to. I later looked him up again on XXXX to continue to try to get the remaining money back. ( XXXX ). I also tried to email him again at some point I remember. On XXXX I found another man and his daughter under the same name. I had taken screenshots of that person on my phone. However, because I was told over and over again there was nothing anyone could because I had not broken any laws, nor did he, I deleted everything off of my phone just about. Consequently, I do not know which company to consider this complaint on. His " art gallery '', my bank at the time, or the XXXX XXXX in XXXX. I will also mention that Citizens Bank recently started playing additional criminal accounting games with me on my account and I was forced to close my checking and savings account after being with that bank for over 20 years. Since that just happened I am not providing details on that unless otherwise requested because it is kind of difficult to prove what they were doing. I do not have the ability to attached all the documentation that I have to support this complaint.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I SENT PAPERWORK TO CITIZENS. DUE TO IDENITIY WAS STOLEN AND THEY STILL CLOSED MY BUSINESS ACCOUNT.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I bought a car from XXXX XXXX back inXX/XX/XXXX2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I utilized bill pay to pay my mortgage - check was scheduled to be sent on XX/XX/XXXX. On XX/XX/XXXX, I viewed my account and discovered that 2 checks were sent. I immediately called the bank to rectify the error and was told that there were 2 Bill Pay Accounts setup ( 1 Did not have the account number ) - which, I did not create. I was told that the 2nd check was returned and I would be refunded the return fee. On XX/XX/XXXX, I saw that the check was reprocessed and requested a stop payment however, on XX/XX/XXXX, my account was in the negative because the check was cashed. I then spoke with a bank supervisor ( who refused to give me any identifying information ) - who told me the check was cashed and there was nothing that he could do about it because " the computer made the decision. " I went into the local branch to speak to someone in person however, I was directed to " call the call center, we no longer deal with these issues at the bank. '' I submitted a complaint with CT DEPARTMENT OF BANKING On XX/XX/XXXX and was told that my complaint would be transferred to CFPB. I also submitted a complaint at Citizens online in XX/XX/XXXX- only to hear that this was my fault. Right now my account continues to incur fees because, the bank has refused to return my money.
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: During the month of XX/XX/XXXX I received a phone call from XXXX XXXX stating that there was suspicious activity on my account. Sure enough when I looked into the issue my entire bank account was depleted. Someone had accessed my card number and withdrew maximum amount of money at various ATMs in XXXX, RI. After I made a complaint with a XXXX XXXX, they denied me the money and said that those were not their issue. Due to the fact that the money had been taken out if XXXX bank ATMs they would not refund me anything. They told me to claim a second case which the same thing happened. After I filed a police report with the XXXX Police, and it was proven that the withdrawals were fraudulent, the bank still refused to give me my money back. It has now been over 7 months!
Company Response:
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Loan was paid in full for an RV on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I still do not have a title or a signed letter from the company saying the loan was paid off. Every time I call, I get a different answer from their customer support. 1. We have 14 days to get you the title. 2. We have 10-15 business days to get you the title. 3. You live in the state of Florida so the titles are electronic. 4. We mailed the title on XXXX XXXX. 5. It does n't look like we filed the right paperwork to transfer the title. So I still do n't have a title.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A