Date Received: 2017-11-22
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: I received a letter from the law firm of XXXX, XXXX, and XXXX, XXXX today XXXX/XXXX/XXXX. I called them and told them I would love to repay the citizens bank student loan and was doing so to another law firm XXXX made small monthly payments until I pass my board exam and able to have a job and pay the entire amount ) but what has happened is my phone broke and I missed a payment because I couldnt locate the loan info for the previous law firm and my account got transferred from the previous law firm to them. I told XXXX, XXXX, and XXXX that I can not pay the entire {$14000.00} because I am a still a XXXX a full time mom to XXXX XXXX now, I just had a XXXX XXXX XXXX XXXX I told them I needed assistance in repayment where the paralegal speaking to me didnt want to hear anything I had say instead was very rude and mentioned over and over that he is citizens banks lawyers not mine and hes not concerned with my difficulties and I had no options for repayment except to pay the entire amount. I was baffled and confused by the rude tone and arrogance of this person, he kept saying we are moving forward in court to intimadate me and I called my lawyer where I was made aware than that kind of communication coming from the law firm of XXXX, XXXX, and XXXX was absolutely unacceptable. Also the information about my loan was inaccurate and when I asked about my loan balance it was also incorrect and it seems like they are charging me extra. Not only was this law firms representative extremely unknowledgeable about the loan, but rude and arrogant and proceeded with harassing me by threatening to move forward and get my co signer involved and more. I request that this law firm company no longer contacts me and takes courses on communication, customer service, and stops giving out inaccurate information.
Company Response:
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX, 2017 I submitted a dispute via XXXX about an account I previously had with Citizens Bank. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from XXXX I noticed I had been reported for an account abuse closure by Citizens Bank. While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from XXXX one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the Citizens Bank collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for Citizens Bank when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to XXXX because Citizens knew that for that particular agency abuse could mean anything and would n't be questioned.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have received a letter from XXXX XXXX XXXX XXXX. This company keeps insisting, that I owe them money for unpaid taxes. They said that they paid our taxes and, they want the payment that they made on my behave. I have sent them proof of paid taxes. They insist that they have not received proof. I also sent CFPB proof of XX/XX/XXXXtaxes, which I saw copy before I wrote this complaint. From the beginning of this loan I have been harassed. The first time I received notice, they said I had not given them XX/XX/XXXXdelinquent taxes. I sent them the settlement statement, that at the close of my loan, it shows clearly where they deducted moneys for taxes XX/XX/XXXXdelinquent and XXXX before I ever received my loan. Which I also sent to CFPB. They have increased my monthly mortgage from XXXX plus to XXXX. They are saying that I breached our agreement, and I 'm now in default. I pay them monthly electronically, so I won.t default. The letter says I have n't paid XXXX or XX/XX/XXXX, my payments are not being applied to the account, because of these same taxes from the being of this loan. They say have not been paid. I 'm not responsible for those taxes, per the settlement statement. The title company XXXX XXXX took those payments, and made them to the tax department. I am sure, that the same thing is going to happen with the XX/XX/XXXXtaxes, being as this has happened, every year since this loan was established.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The tax escrow that is charged to me every month in including an entire year of two of my tax bills each month - - -instead of 1/12 of those taxes that will be needed in my escrow account. I have spoken to customer service, the tax adjustment group, and the escrow analysis group on XX/XX/XXXX, XX/XX/XXXX and now on XX/XX/XXXX. Each time I am assured that the problem will be fixed - but it has not been. The bank - - -Citizens One, has now begun to call me and threaten forclosures.
Company Response:
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-18
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I went to the atm machine at citizens bank at XXXX XXXX XXXX, XXXX, pa XXXX to get money from my XXXX XXXX XXXX credit card. I did this on XX/XX/XXXX at XXXX and the machine said " action selected is not available at this time. please retry '' so at XXXX I retried to get the money and the atm said " amount entered exceeds the available balance. Please try lesser amount ''. at XXXX on XX/XX/XXXX I called XXXX XXXX XXXX and I was told that the {$23.00} I asked for was issued to citizens bank the first time and they were unable issue another {$23.00} a second time. so on XX/XX/XXXX I saw the bank manager ( XXXX XXXX ) about the atm did not give me my {$20.00} and did claim {$23.00} on my credit card. he said it was not his problem because he is not in charge of the atm. he said I was going to have to try to get it back myself. so on XX/XX/XXXX I called citizens bank and talked to a XXXX XXXX and she said there was nothing she could do. I talked to XXXX XXXX XXXX on XX/XX/XXXX and filed a complaint and they thought citizens would not ask for the money. on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX XXXX , ceo of citizens bank usa in XXXX, ri XXXX and have not heard anything from the bank. XX/XX/XXXX XXXX XXXX XXXX called me and told me that citizens bank demanded the money. XXXX XXXX called citizens to try to get the money back. they talked to XXXX XXXX and she took down a formal complaint from me and XXXX XXXX XXXX on XX/XX/XXXX. so far I have not heard from the citizens bank about my {$23.00}. I tried talking to someone on XX/XX/XXXX and after making 3 phone calls to citizens and being bounced around 6 times I decided to write to you. I feel they stole my money because they were told before they took the money that I never got it in the first place. they put it in their accounts and not mine despite me trying to get it from them.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XX/XX/XXXX submitted XXXX ID For 11th Complaint Sent To Citizens Bank XXXX- The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX XXXX 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 XXXX 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 Dear The Honorable XXXX XXXX & CEO XXXX XXXX, I present to you my 11th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 11th 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 11th Complaint Citizen Bank 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 & XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay 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. XXXX XXXX freely believes the Citizens Bank Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent 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 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. XXXX XXXX supporting documentation the noon XX/XX/XXXX ( XXXX ) XXXX XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX & the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX, both Citizens Bank recorded calls with truthful notes taken by XXXX XXXX. Content of XXXX call with XXXX on XX/XX/XXXX : At noon XXXX speaks with XXXX & importantly requests XXXX please note XXXX Home Equity Loan account XXXX with : I paid the Town of XXXX property tax bill, a condition of my Home Equity Loan, on XX/XX/XXXX, check XXXX in the amount of {$1100.00}. For paying this property tax bill I therefore do not have available funds today, XX/XX/XXXX, to pay the {$1200.00} autopay for my Home Equity Loan. Important note : in less than the 15 day Citizens Bank grace period, on XX/XX/XXXX, I will have available funds to pay the XX/XX/XXXX {$1200.00} autopay. I petitioning the Citizens Bank Equity Loan Department to take the XX/XX/XXXX {$1200.00} autopay for my Home Equity Loan account XXXX on XX/XX/XXXX, less than the 15 grace period days given for loan payments, and to not charge me any penalty or late fee. XXXX states to XXXX : My account has been removed & marked secure so he has no access to it. XXXX states XXXX needs to speak with Citizens Loan Customer Finance & XXXX notes they have hung up the phone on her & their actions caused her to file eight Complaints to the Federal Reserve. Following learning from XXXX Citizens customer service specialists on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX were able to note XXXX account, XXXX tries to do so again offering think I can access account ending XXXX. XXXX takes sufficient time to write XXXX detailed XX/XX/XXXX note above on XXXX account ending with XXXX. When XXXX was finished he gave XXXX Reference # XXXX for XXXX above XX/XX/XXXX Home Equity Loan account XXXX note. XXXX states thank you to XXXX & offers him a Happy XXXX. Content of XXXX call with XXXX on XX/XX/XXXX : At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX for her to take the opportunity to make a Reference # for XXXX important statements to XXXX. XXXX states to XXXX she was just stunned when she discovered Citizens Bank did not take the {$1200.00} XX/XX/XXXX autopay per the XX/XX/XXXX Reference # XXXX recorded by Customer Service Specialist XXXX who XXXX spoke regarding XXXX Home Equity Loan account XXXX on XX/XX/XXXX. XXXX states to XXXX she found Reference # XXXX & would thoroughly read it. Following XXXX XXXXeading of said Reference # XXXX politely stated to XXXX she wanted XXXX to please note her Home Equity Loan account XXXX with these important notes & when XXXX had completed writing said important XX/XX/XXXX notes, would XXXX please give XXXX a Reference # for said XXXX XXXX. XXXX stated to XXXX she would write XXXX important notes & give XXXX a XXXX XXXX Reference #. XXXX Important notes : 1 ) XXXX was stunned when she discovered early the morning of XX/XX/XXXX Citizens Bank had chosen to act to not withdraw the XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX per XXXX recorded XX/XX/XXXX important notes recorded by XXXX, Reference # XXXX. XXXX believes Citizens Bank Loan Customer Finance officials knew of the XX/XX/XXXX Reference # XXXX & chose not to act to withdraw the XX/XX/XXXX {$1200.00} autopay even though said officials had established a precedent to take the {$1200.00} autopays per XXXX calls with recorded notes over the last months ; 2 ) XXXX believes said unreasonable act by the Citizens Bank Loan Customer Finance is a violation of Federal Reserve banking regulations which XXXX will write another Complaint to the Honorable XXXX XXXX XXXX about ; 3 ) XXXX importantly notes for unreasonable actions by Citizens Bank Loan Customer Finance earlier, XXXX wrote eight Complaints to the Federal Reserve ; thus, the Citizens Bank Loan Customer Finance has not changed their actions on XXXX Home Equity Loan account # XXXX ; 4 ) XXXX will not pay any penalty or any fee for the XX/XX/XXXX {$1200.00} autopay to be withdrawn for the established president by Citizens Bank Loan Customer Finance ; and 5 ) as a curtesy call today XX/XX/XXXX, XXXX is calling for a second time to have Citizens Bank withdraw the XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX for it was not withdrawn on XX/XX/XXXX even though Citizens Bank Loan Customer Service knew by Reference # XXXX XXXXXXXX the funds were available on XX/XX/XXXX, well within the 15 day payment grace period given by Citizens Bank Loan Customer Finance. XXXX states to XXXX she can not withdraw the {$1200.00} autopay, only Citizens Bank Loan Customer Finance handles the autopays, & XXXX states there may be a fee which only officials of the Customer Finance would handle. And XXXX would find a senior Customer Finance staff to take XXXX transferred call. XXXX importantly states to XXXX multiple times when XXXX has tried to speak with Customer Finance, Customer Finance hangs up the phone on XXXX by either closing the transferring call or hanging up the phone with XXXX when she is speaking with a Customer Finance staff. XXXX further importantly notes to XXXX XXXX does not know who within the Citizens Bank Home Equity Loan Department handles autopays & all of her earlier months Home Equity Loan account XXXX notes have been acted upon by the Citizens Bank Home Equity Loan Department. XXXX writes up XXXX important XX/XX/XXXX notes. When she is done XXXX gives XXXX a XX/XX/XXXX Reference # XXXX. XXXX asks XXXX to read to her what the Reference # XXXX states, to make sure XXXX wrote all of XXXX important notes. XXXX reads XXXX XXXX Reference # XXXX & everything is correct except one note in which XXXX had written XXXX will not call & talk with Customer Finance. XXXX then importantly notes multiple times for XXXX for Consumer Finance hangs up the phone with XXXX, XXXX can not talk with them.it is not a case of XXXX not willing to talk with Consumer Finance as XXXX had written. XXXX writes the above correction & then states to XXXX all of XXXX important XX/XX/XXXX Home Equity Loan account XXXX notes are written & recorded by Reference # XXXX. XXXX requests of XXXX that she please make sure all Customer Service staff see & read XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX. XXXX thanks XXXX for her work. XXXX XXXX Offers This Bottom-line : XXXX XXXX Freely Believes Citizens Bank Has Violated Federal Banking Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank Consumer Finance With Home Equity Loan Department To Have Acted Without Merit & Unreasonably When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay 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. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 7th 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: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XX/XX/XXXX submitted https//complaint.consumerfinance.govXXXX ID For 10th Complaint Sent To Citizens Bank XXXX- The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX XXXX 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.govXXXX 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 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 10th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 10th Citizens Bank Complaint is addressed in a statement with supporting Citizens Bank Home Equity Loan documentation. 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 10th Complaint Citizen Bank Consumer Finance With Home Equity Loan Department Has Acted Without Merit & Unreasonably Taking $XXXX 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 $XXXX Principal + $XXXX Interest = $XXXX NOT $XXXX For XXXX XXXX Had Paid A $XXXX Property Tax Bill On XX/XX/XXXX, A Condition Of The Home Equity Loan & Said Unreasonable Citizens Bank Consumer Finance XX/XX/XXXX Action XXXX XXXX Did Not Have Available $XXXX Funds For The XX/XX/XXXX Autopay & The Citizens Bank Consumer Finance Have Been Charging Late Fees From XX/XX/XXXX Through XX/XX/XXXX. For This Citizens Bank Consumer Finance With Home Equity Loan Department Act Violating XXXX XXXX Detailed XX/XX/XXXX Payment Statement & Act Violating XXXX XXXX Available Funding For The XX/XX/XXXX Autopay, XXXX XXXX Believes This Citizens Bank Department Violated Laws Of Federal Banking Regulations. XXXX XXXX freely believes the Citizens Bank Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably violating laws of Federal banking regulations when they withdrew $XXXX for a Home Equity Loan payment on XX/XX/XXXX NOT HONORING XXXX XXXX detailed XX/XX/XXXX Home Equity Loan payment statement to Home Equity Loan Department Agent XXXX for 20 minutes starting at XXXX XXXX on XX/XX/XXXX, documented in XXXX XXXX CFPB Complaint # XXXX submitted at XXXX XXXX on XX/XX/XXXX. Moreover, XXXX XXXX freely believes the Citizens Bank Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably violating laws of Federal banking regulations when they withdrew a not authorized $XXXX for a Home Equity Loan payment on XX/XX/XXXX directly causing XXXX XXXX not to have available funds to make the XX/XX/XXXX $XXXX autopay, and furthermore the Citizens Bank Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably violating laws of Federal banking regulations when they then charged Late Charges from XX/XX/XXXX through XX/XX/XXXX for their XX/XX/XXXX action causing XXXX XXXX to not have available funds to make the XX/XX/XXXX $XXXX autopay. XXXX XXXX supporting documentation the XXXX XXXX XX/XX/XXXX (XXXX) XXXX XXXX call XXXX had with Home Equity Loan Department Agent XXXX, a Citizens Bank recorded call with truthful notes taken by XXXX XXXX and the Citizens Bank Home Equity Loan documentation from XX/XX/XXXX through XX/XX/XXXX. Content of XXXX call with XXXX: XXXX asks of XXXX, is he an Agent of the Citizens Bank Home Equity Loan Department. XXXX answer yes. XXXX states to XXXX she wants her statement noted on her Home Equity Loan account for Citizens Bank has not taken the XX/XX/XXXX autopay for her account XXXX: one month ago XXXX stated to Agent XXXX she had Social Security funds for account XXXX autopays & XXXX is responsible for the Home Equity Loan conditions & on XX/XX/XXXX XXXX paid the XXXX XXXX XXXX $XXXX property tax bill due leaving her funds to make a XX/XX/XXXX autopay on XX/XX/XXXX of $XXXX principal [noted on XX/XX/XXXX Citizens Bank Home Equity Loan Statement] & $XXXX interest equaling $XXXX & please have Citizens Bank take this XX/XX/XXXX & XX/XX/XXXX available autopay. XXXX reply: he cannot take the payment for there is a hold on this account & XXXX must talk with Consumer Counseling [Consumer Finance]. For twenty minutes XXXX politely pleads with XXXX to please note her account as requested above & XXXX states he cannot. And XXXX importantly notes Consumer Finance has repeatedly hung up the phone on her. At the end of this call XXXX states to XXXX she has filed 6 Complaints to the Federal Reserve regarding Citizens Bank actions & XXXX will tell the Federal Reserve of this call with notes she has taken. Only then did XXXX agree to importantly note XXXX XXXX account XXXX as she requested above. On XX/XX/XXXX XXXX XXXX called the Citizens Bank number (XXXX) XXXX XXXX to check XXXX checking account by phone. XXXX XXXX is just stunned at what she learned: the account had a minus balance of $XXXX. XXXX XXXX just at XXXX XXXX calls (XXXX) XXXX XXXX again to speak with an Agent to discover all XX/XX/XXXX XX/XX/XXXX checking account activity, speaking with two Agents.. I truthfully stated to Agent XXXX I had 7 Complaints against Citizens Bank file with the Federal Reserve officials & Citizens CEO XXXX XXXX & on XX/XX/XXXX for 20 minutes I spoke with XXXX, Agent Home Equity Loan Department authorizing a XXXX loan payment of $XXXX = $XXXX principal + $XXXX interest for I did not have the full $XXXX sum having paid $XXXX property tax bill to the XXXX XXXX XXXX on XX/XX/XXXX, a condition of my loan. Agent XXXX stated on XX/XX/XXXX $XXXX was taken for a Home Equity Loan payment & Check XXXX & XXXX were paid. I asked XXXX to let me speak to a Supervisor for Citizens had illegally taken $XXXX out of my checking account for I repeatedly stated for 20 minutes to XXXX I only had $XXXX available on XX/XX/XXXX & XX/XX/XXXX. XXXX transferred me to XXXX, Supervisor. For XXXX important information I highlighted the unreasonable Citizens matter: XX/XX/XXXX came within a hairsbreath of diying when hit by a teenager driving his father's work truck following which I've been selling my possessions at a loss to cover monthly bills & in XX/XX/XXXX I could not pay loan autopays in XXXX & XXXX & XXXX for at the 11th hour buyers for my possessions changed their minds BUT I did pay XXXX by selling an item & XXXX with my Social Security funds; I then noted my 7 Complaints against Citizens Bank; and then I importantly noted my XX/XX/XXXX all with Home Equity Loan Agent XXXX who for 20 minutes I stated I had $XXXX principal + $XXXX interest = $XXXX for my XXXX loan payment NOT the full $XXXX for I paid on XX/XX/XXXX a property tax bill of $XXXX, a condition of my loan & at the end XXXX did state to me he would note my loan account I gave above; I then stated to Supervisor XXXX would she please refund to me the $XXXX Citizens Home Equity Loan was not authorized by me to take on XX/XX/XXXX thus the $XXXX was withdrawn from my checking account illegally. Supervisor XXXX answer "not able to do that, I do not have the authority to do that". I then requested of Supervisor XXXX to know who had the authority & their phone number. Supervisor XXXX reply "attoched to the Office of the Chairman" & when I pressed for a name Supervosor XXXX stated "which is a team of advocated with our Corporate Office". Further pressed by me to have CEO XXXX XXXX phone number she stated the CEO was XXXX XXXX XXXX. I then stated to Supervisor XXXX the Citizens CEO as of XX/XX/XXXX I believe is XXXX XXXX for that is what I learned in my online research. Supervisor XXXX towards the call's end stated to me I was going to be getting a call from the team of advocates. I importantly noted the advocates were not CEO XXXX XXXX. At the end of this call I requested Supervisor verify my checks XXXX & XXXX had cleared.........her answr was "yes"; & then I requested she please note on my checking account my outstanding checks XXXX payable to XXXX XXXX for $XXXX & XXXX payable to XXXX for $XXXX clear my checking account when they post for I had available funds for these payments before Citizens without my authorization took $XXXX on XX/XX/XXXX.....her reply was she would note my checking account. I did state to Supervisor XXXX I was going to file a Complaint today about this unreasonable matter. XXXX XXXX then emailed Citizens Bank Director XXXX XXXX requesting his help on XX/XX/XXXX at XXXX XXXX, truthfully stating XXXX call with Citizens Bank Agent XXXX and Supervisor XXXX, petitioning XXXX if he would please refund the $XXXX illegally withdrawn & with not authorization from XXXX XXXX from XXXX checking account on XX/XX/XXXX. Below is the content of our emails late this morning & early this afternoon. XXXX SOS SOS SOS Created By Citizens Home Equity Loan Consumer Finance Officials Inbox x XXXX XXXX XXXX XXXX (2 hours ago) to XXXX.XXXX. Dear XXXX, I truly deeply need your PRICELESS HELP today!! As customary I called Citizens XXXX XXXX XXXX to check my Citizens checking account & discovered a minus XXXX balance. Just STUNNED, I call XXXX XXXX XXXX & spoke with two customer service agents. I truthfully stated to Agent XXXX I had 7 Complaints against Citizens Bank file with the Federal Reserve officials & Citizens CEO XXXX XXXX & on XX/XX/XXXX for 20 minutes I spoke with XXXX, Agent Home Equity Loan Department authorizing a XXXX loan payment of $XXXX = $XXXX principal + $XXXX interest for I did not have the full $XXXX sum having paid $XXXX property tax bill to the XXXX XXXX XXXX on XX/XX/XXXX, a condition of my loan. Agent XXXX stated on XX/XX/XXXX $XXXX was taken for a Home Equity Loan payment & Check XXXX & XXXX were paid. I asked XXXX to let me speak to a Supervisor for Citizens had illegally taken $XXXX out of my checking account for I repeatedly stated for 20 minutes to XXXX I only had $XXXX available on XX/XX/XXXX & XX/XX/XXXX. XXXX transferred me to XXXX, Supervisor. For XXXX important information I highlighted the unreasonable Citizens matter: XX/XX/XXXX came within a hairsbreath of diying when hit by a teenager driving his father's work truck following which I've been selling my possessions at a loss to cover monthly bills & in XX/XX/XXXX I could not pay loan autopays in XXXX & XXXX & XXXX for at the 11th hour buyers for my possessions changed their minds BUT I did pay XXXX by selling an item & XXXX with my Social Security funds; I then noted my 7 Complaints against Citizens Bank; and then I importantly noted my XX/XX/XXXX all with Home Equity Loan Agent XXXX who for 20 minutes I stated I had $XXXX principal + $XXXX interest = $XXXX for my XXXX loan payment NOT the full $XXXX for I paid on XX/XX/XXXX a property tax bill of $XXXX, a condition of my loan & at the end XXXX did state to me he would note my loan account I gave above; I then stated to Supervisor XXXX would she please refund to me the $XXXX Citizens Home Equity Loan was not authorized by me to take on XX/XX/XXXX thus the $XXXX was withdrawn from my checking account illegally. Supervisor XXXX answer "not able to do that, I do not have the authority to do that". I then requested of Supervisor XXXX to know who had the authority & their phone number. Supervisor XXXX reply "attoched to the Office of the Chairman" & when I pressed for a name Supervosor XXXX stated "which is a team of advocated with our Corporate Office". Further pressed by me to have CEO XXXX XXXX phone number she stated the CEO was XXXX XXXX XXXX. I then stated to Supervisor XXXX the Citizens CEO as of XX/XX/XXXX I believe is XXXX XXXX for that is what I learned in my online research. Supervisor XXXX towards the call's end stated to me I was going to be getting a call from the team of advocates. I importantly noted the advocates were not CEO XXXX XXXX. At the end of this call I requested Supervisor verify my checks XXXX & XXXX had cleared.........her answr was "yes"; & then I requested she please note on my checking account my outstanding checks XXXX payable to XXXX XXXX for $XXXX & XXXX payable to XXXX for $XXXX clear my checking account when they post for I had available funds for these payments before Citizens without my authorization took $XXXX on XX/XX/XXXX.....her reply was she would note my checking account. I did state to Supervisor XXXX I was going to file a Complaint today about this unreasonable matter. XXXX, I understand you are now working on development of new Citizens Bank offerings. I am most humbly asking you to please today go to a location in Citizens Bank to access my checking account to please refund the $XXXX illegally withdrawn from my account on XX/XX/XXXX for I specifically authorized only $XXXX to be withdrawn not $XXXX. I deeply need the funds put back in my account for I have two outstanding checks & need to make a credit card payment today XXXX, thank you from the bottom of my heart! Kind & True Regards, XXXX XXXX XXXX, XXXX XXXX XXXX (37 minutes ago) to me XXXX, I empathize with your situation. Again, I am not in a position where I could be of any assistance. I dont have access to customers accounts or those types of banking systems. We take any level of customer dissatisfaction very seriously and you should continue working with the office of the chairman. Hopefully they will be able to help with a resolution. Thanks XXXX XXXX XXXX Assistant Vice President Retail Sales & Service Development Manager XXXX XXXX XXXX| XXXX MA XXXX | XXXX XXXX: XXXX | C: XXXX From: XXXX XXXX [XXXX] Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX, XXXX Subject: XXXX SOS SOS SOS Created By Citizens Home Equity Loan Consumer Finance Officials Citizens Bank is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Use of email is inherently insecure. Confidential information, including account information, and personally identifiable information, should not be transmitted via email, or email attachment. In no event shall Citizens Bank, N.A. or Citizens Bank of Pennsylvania accept any responsibility for the loss, use or misuse of any information, including confidential information, sent via email or email attachment to which it is the intended recipient. Neither Citizens Bank, N.A. nor Citizens Bank of Pennsylvania guarantee the accuracy of any email or email attachment, that an email will be received by either entity or that either entity will respond to any email. This email communication is confidential and/or privileged. Any disclosure, copying, distribution or use of this information by anyone other than the intended recipient is strictly prohibited. If you have received this communication in error, please notify the sender immediately and promptly destroy any record of this email. XXXX XXXX XXXX XXXX (8 minutes ago) to XXXX Dear XXXX, Thank you for your email. Until Supervisor XXXX stated to me just before XXXX XXXX this morning I had absolutely NO knowledge or any information about a "team of advocates associated with our Corporate Office" & I continue to have no knowledge of their names or how to email or call them for Supervisor XXXX just stated "I will be getting a call". And when I requested Supervisor XXXX give me CEO XXXX email & phone number, she did not give it to me. XXXX, can you please give me CEO XXXX XXXX email & phone number. And would you please verify for me the Citizens Bank CEO is XXXX XXXX, which I discovered online she is again CEO as of XX/XX/XXXX I believe. Thank you very much. XX/XX/XXXX Statement: Amount Due $XXXX [$XXXX + $XXXX + $XXXX]; Estimate Payoff Amount On XX/XX/XXXX $XXXX. Principal $XXXX + Interest $XXXX = Current Payment Due $XXXX + Total Fees & Charges $XXXX + Past Due Payment $XXXX = Total Amount Due $XXXX. XX/XX/XXXX Statement Date Amount Past Due $XXXX + Late Charges Due $XXXX = Total Amount Past Due $XXXX. Important Notes: XXXX Statement Does Not State Dates Of When All Charges Are Due $XXXX & Charges Calculations $XXXX Nor Does Citizens Bank State How The $XXXX Late Charges Due Was Charged Even Though XXXX XXXX Made A XX/XX/XXXX Home Equity Loan Payment Of $ $XXXX [Reference XX/XX/XXXX XXXX XXXX XXXX To XXXX XXXX Call To Citizens Bank Home Equity Loan Department (XXXX) XXXX XXXX, Home Equity Loan Agent XXXX] & Citizens Bank Home Equity Loan Department Officials Took $XXXX. XX/XX/XXXX Statement: Amount Due $XXXX [$XXXX + $XXXX + $XXXX]; Estimate Payoff Amount On XX/XX/XXXX $XXXX. Principal $XXXX + Interest $XXXX = Current Payment Due $XXXX + Total Fees & Charges $XXXX + Past Due Payment $XXXX = Total Amount Due $XXXX. XX/XX/XXXX Statement Date Amount Past Due $XXXX + Late Charges Due $XXXX = Total Amount Past Due $XXXX. Important Notes: XXXX Statement Does Not State Dates Of When All Charges Are Due $XXXX & Charges Calculations $XXXX Nor Does Citizens Bank State How The $XXXX Late Charges Due Was Charged. XX/XX/XXXX Statement: Amount Due $XXXX [$XXXX + $XXXX + $XXXX]; Estimate Payoff Amount On XX/XX/XXXX $XXXX. Principal $XXXX + Interest $XXXX = Current Payment Due $XXXX + Total Fees & Charges $XXXX + Past Due Payment $XXXX = Total Amount Due $XXXX. XX/XX/XXXX Statement Date Amount Past Due $XXXX + Late Charges Due $XXXX = Total Amount Past Due $XXXX. Important Notes: XXXX Statement Does Not State Dates Of When All Charges Are Due $XXXX & Charges Calculations $XXXX Nor Does Citizens Bank State How The $XXXX Late Charges Due Was Charged. And XXXX XXXX made a XX/XX/XXXX Autopay Leaving Her At A Loss Why Citizens Bank Charged Her Late Charges. XXXX XXXX OFFERS THIS BOTTOM-LINE: XXXX XXXX FREELY BELIEVES CITIZENS BANK CONSUMER FINANCE WITH HOME EQUITY LOAN DEPARTMENT HAS VIOLATED FEDERAL BANKING REGULATIONS FOR ALL OF THE ABOVE DOCUMENTED ISSUES. XXXX XXXX freely believes Federal Banking regulations do not allow Citizens Bank Consumer Finance With Home Equity Loan Department to withdraw a Home Equity Loan Account XXXX payment not authorized by XXXX XXXX on XX/XX/XXXX. Important note: for 20 minutes XXXX XXXX gave Citizens Bank Home Equity Loan Agent XXXX detailed instructions for the payment XXXX XXXX had available funds for on XX/XX/XXXX & XX/XX/XXXXt of $XXXX Principal + $XXXX Interest = $XXXX & NOT more for XXXX had paid a $XXXX property tax bill on XX/XX/XXXX, a condition of her Home Equity Loan, ALL OF THIS XXXX STATED HE WOULD NOTE ON XXXX ACCOUNT XXXX ON XX/XX/XXXX. And said Citizens Bank consumer Finance With Home Equity Loan Department freely violated Federal Banking regulations when their act prevented XXXX XXXX from having available funds for the XX/XX/XXXX $XXXX autopay & then was given late charges for not making said autopay through XX/XX/XXXX. MOREOVER, THE HONORABLE DOCTOR XXXX XXXX XXXX HAS NOT DETERMINED XXXX XXXX AND XXXX XXXX XXXX ARE RESPONSIBLE FOR LATE CHARGES CITIZENS BANK HAS CONTINUED TO CHARGE THEM EVEN THOUGH CITIZENS BANK HOME EQUITY LOAN DOCUMENTATION DOCUMENTS XXXX XXXX WAS CHARGED LATE CHARGES WHEN XXXX XXXX DID MAKE PAYMENTS TO THE HOME EQUITY LOAN ACCOUNT XXXX. XXXX XXXX FREELY BELIEVE SHE & XXXX XXXX XXXX ARE RESPONISBIE FOR THE XX/XX/XXXX $XXXX AUTOPAY &XX/XX/XXXX $XXXX AUTOPAY & XX/XX/XXXX $XXXX AUTOPAY & XX/XX/XXXX$XXXX AUTOPAY. XXXX XXXX FREELY BELIEVES UPON THE HONORABLE DOCTOR XXXX XXXX XXXX, CHAIR, BOARD OF GOVERNORS OF THE FEDERAL RESERVE, INVESTIGATIONS OF XXXX XXXX COMPLAINTS AND THE HONORABLE DOCTOR XXXX XXXX XXXX DETERMINATIONS, XXXX XXXX FREELY AGREES TO PAY ALL LATE CHARGES THE HONORABLE DOCTOR XXXX XXXX XXXX DETERMINES XXXX XXXX AND XXXX XXXX XXXX OWE TO CITIZENS BANK. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 10th Complaint for Citizens Bank. 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: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XX/XX/XXXX submitted XXXX XXXX For 9th Complaint Sent To Citizens Bank XXXX- The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX XXXX 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 CFPB consumerfinance.gov & ( XXXX ) XXXX XXXX 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 Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX , I present to you my 9th Citizens Bank Complaint addition I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 9th Citizens Bank Complaint addition is addressed in a statement with supporting documentation. 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 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. XXXX XXXX freely believes the Citizens Bank Home Equity Loan Department has acted charging me expenses without merit for I had available funds for the XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX home equity loan autopays of {$1200.00}, & XX/XX/XXXX home equity loan autopay of {$290.00} Principal plus {$220.00} Interest = $ {$520.00}, & have not properly declared all new charges documented in the XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX bills XXXX XXXX & XXXX XXXX got from Citizens Bank, & have not calculated charges correctly against autopays prompted by XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX addition to her above XX/XX/XXXX & XX/XX/XXXX statement : XXXX XXXX freely believes the Citizens Bank Home Equity Loan Department has acted charging me expenses without merit of adding a full {$1200.00} monthly payment amount of both principal & interest sums to their past due payment calculations for XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX Home Equity Loan Statements Total Amount Due sums, & have not properly declared all new charges documented in the XX/XX/XXXX bill XXXX XXXX & XXXX XXXX got from Citizens Bank, & in all the declared bills gotten from Citizens Bank the Amount Past Due & Total Amount Past Due adds a full {$1200.00} monthly payment amount of both principal & interest sums. Important Note : neither XXXX XXXX nor XXXX XXXX have gotten additional Home Equity Loan funds from Citizens Bank following their most recent loan of XX/XX/XXXX. {$64.00} question : why is the Citizens Bank Home Equity Loan Department adding additional principal funds starting in XX/XX/XXXX & continuing through XX/XX/XXXX in all of their Home Equity Loan Statements calculations of Past Due Payments & Total Amount Due & Estimated Payoff Amount figures when neither XXXX XXXX nor XXXX XXXX have gotten additional principal funds from Citizens Bank following the XX/XX/XXXX Home Equity Loan? XXXX XXXX below by each month gives Citizens Bank Home Equity Loan monthly statements & bills noting all Citizens Bank wording & calculations. XXXX XXXX below by each month gives Citizens Bank Home Equity Loan monthly statements calculations & bills noting all Citizens Bank wording & calculations. XX/XX/XXXX Statement : Amount Due {$1200.00} ; Estimate Payoff Amount On XX/XX/XXXX {$150000.00} Principal {$320.00} + Interest {$890.00} = Current Payment Due {$1200.00}. XX/XX/XXXX Statement : Amount Due {$2400.00} [ {$1200.00} + {$1200.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$290.00} + Interest {$920.00} = Current Payment Due {$1200.00} + Past Due Amount {$1200.00} = Total Amount Due {$2400.00}. 3.31.17 Statement Date Amount Past Due {$1200.00} + Late Charges Due {$36.00} = Total Amount Past Due {$1200.00}. Important Notes : XX/XX/XXXX Bill Does Not State Date When {$1200.00} Due Nor Does Citizens Bank State How The {$36.00} Late Charges Due Was Charged. XX/XX/XXXX Statement : Amount Due {$2400.00} [ {$1200.00} + {$36.00} + {$1200.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$36.00} + Past Due Payment {$1200.00} = Total Amount Due {$2400.00}. XX/XX/XXXX Statement Date Amount Past Due {$1200.00} + Late Charges Due {$73.00} = Total Amount Past Due {$1300.00} XXXX XXXX important note : XXXX XXXX called Citizens Bank speaking with XXXX XXXX on XX/XX/XXXX who noted XXXX had {$1200.00} available funds on XX/XX/XXXX & had Citizens Bank withdraw the XX/XX/XXXX autopay on XX/XX/XXXX ; thus, how is Citizens Bank legally charging XXXX XXXX a total amount past due of {$1300.00} on XX/XX/XXXX? Important Notes : XX/XX/XXXX Statement Does Note State Dates When Two {$1200.00} Are Due Nor States How {$36.00} Late Charges Due Was Charged. And XX/XX/XXXX Bill Does Not State Date When {$1200.00} Due Nor Does Citizens Bank State How The {$73.00} Late Charges Due Was Charged. XX/XX/XXXX Statement : Amount Due {$3700.00} [ {$1200.00} + {$73.00} + {$2400.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$290.00} + Interest {$920.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$73.00} + Past Due Payment {$2400.00} = Total Amount Due {$3700.00}. XX/XX/XXXX Bill Amount Past Due {$1200.00} + late charges due {$73.00} = total amount past due {$1300.00}. XX/XX/XXXX Statement Date Amount Past Due {$2400.00} + late charges due {$110.00} = total amount past due {$2500.00}. XXXX XXXX important note : Citizens Bank gives no statement or any information why XXXX XXXX & XXXX XXXX were billed twice in XX/XX/XXXX. Important notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$2400.00} Nor Does Citizens Bank State How {$73.00} Late Charges Due Was Charged. And Neither XX/XX/XXXX Bill Nor XX/XX/XXXX Bill State Date When {$1200.00} Or {$2400.00} Calculations Were Due Nor Does Citizens Bank State How The Two Late Charges Due Were Charged, {$73.00} & {$110.00}. XX/XX/XXXX Statement : Amount Due {$5000.00} [ {$1200.00} + {$110.00} + {$3600.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$110.00} + Past Due Payment {$3600.00} = Total Amount Due {$5000.00}. XX/XX/XXXX Statement Date Amount Past Due {$3600.00} + Late Charges Due {$140.00} = Total Amount Past Due {$3800.00}. Important Notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$3600.00} Nor Does Citizens Bank State How $ {$110.00} Late Charges Due Was Charged. And XX/XX/XXXX Bill State When {$3600.00} Calculations Were Due Nor Does Citizens Bank State How The {$140.00} Late Charge Due Was Charged. XX/XX/XXXX Statement : Amount Due {$5000.00} [ {$1200.00} + {$140.00} + {$3600.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$290.00} + Interest {$920.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$140.00} + Past Due Payment {$3600.00} = Total Amount Due {$5000.00}. XX/XX/XXXX Statement Date Amount Past Due {$3600.00} + Late Charges Due {$180.00} = Total Amount Past Due {$3800.00}. Important Notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$3600.00} Nor Does Citizens Bank State How The {$180.00} Late Charges Due Was Charged. XXXX XXXX important note : XXXX XXXX called Citizens Bank speaking with XXXX on XX/XX/XXXX who noted XXXX is now getting Social Security funds & had {$1200.00} available funds on XX/XX/XXXX & had Citizens Bank withdraw the XXXX XXXX autopay. XXXX XXXX XXXX email To XXXX XXXX, Director Of Citizens Bank On XX/XX/XXXX States To XXXX XXXX Has Discovered Unreasonable Matters With Citizens Bank Home Equity Loan Calculations. Amount Past Due {$3600.00} + Late Charges Due {$180.00} = Total Amount Past Due {$3800.00}. Important Notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$3600.00} Nor Does Citizens Bank State How The {$180.00} Late Charges Due Was Charged. XX/XX/XXXX Statement : Amount Due {$5000.00} [ {$1200.00} + {$180.00} + {$3600.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$180.00} + Past Due Payment {$3600.00} = Total Amount Due {$5000.00}. XX/XX/XXXX Statement Date Amount Past Due {$3600.00} + Late Charges Due {$180.00} = Total Amount Past Due {$3800.00}. Important Notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$3600.00} Nor Does Citizens Bank State How The {$180.00} Late Charges Due Was Charged Even Though XXXX XXXX Made A XX/XX/XXXX Home Equity Loan Payment Of $ {$520.00} [ Reference XX/XX/XXXX XXXX XXXX XXXX To XXXX XXXX Call To Citizens Bank Home Equity Loan Department ( XXXX ) XXXX XXXX, Home Equity Loan Agent XXXX ] & Citizens Bank Home Equity Loan Department Officials Took {$1200.00}. XX/XX/XXXX Statement : Amount Due {$6300.00} [ {$1200.00} + {$220.00} + {$4900.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$220.00} + Past Due Payment {$4900.00} = Total Amount Due {$6300.00}. XX/XX/XXXX Statement Date Amount Past Due {$4900.00} + Late Charges Due {$220.00} = Total Amount Past Due {$6300.00}. Important Notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$4900.00} Nor Does Citizens Bank State How The {$220.00} Late Charges Due Was Charged. XX/XX/XXXX Statement : Amount Due {$6300.00} [ {$1200.00} + {$250.00} + {$4900.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$290.00} + Interest {$920.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$250.00} + Past Due Payment {$4900.00} = Total Amount Due {$6300.00}. XX/XX/XXXX Statement Date Amount Past Due {$4900.00} + Late Charges Due {$250.00} = Total Amount Past Due {$6300.00}. Important Notes : XX/XX/XXXX Statement Does Not State Dates Of When All Charges Are Due {$1200.00} & Charges Calculations {$4900.00} Nor Does Citizens Bank State How The {$250.00} Late Charges Due Was Charged. And XXXX XXXX made a XX/XX/XXXX Autopay Leaving Her At A Loss Why Citizens Bank Charged Her Late Charges. XXXX XXXX OFFERS THIS BOTTOM-LINE : XXXX XXXX FREELY BELIEVES CITIZENS BANK HAS VIOLATED FEDERAL BANKING REGULATIONS FOR ALL OF THE ABOVE DOCUMENTED ISSUES. MOREOVER, THE HONORABLE XXXX XXXX XXXX XXXX HAS NOT DETERMINED XXXX XXXX AND XXXX XXXX XXXX ARE RESPONSIBLE FOR LATE CHARGES CITIZENS BANK HAS CONTINUED TO CHARGE THEM EVEN THOUGH CITIZENS BANK HOME EQUITY LOAN DOCUMENTATION DOCUMENTS XXXX XXXX WAS CHARGED LATE CHARGES WHEN XXXX XXXX DID MAKE PAYMENTS TO THE HOME EQUITY LOAN ACCOUNT XXXX. XXXX XXXX FREELY BELIEVE SHE & XXXX XXXX XXXX ARE RESPONISBIE FOR THE XX/XX/XXXX {$1200.00} AUTOPAY & XX/XX/XXXX {$1200.00} AUTOPAY & XX/XX/XXXX{$1200.00} AUTOPAY & XX/XX/XXXX {$1200.00} AUTOPAY. XXXX XXXX FREELY BELIEVES UPON THE HONORABLE XXXX XXXX XXXX XXXX, CHAIR, BOARD OF GOVERNORS OF THE FEDERAL RESERVE, INVESTIGATIONS OF XXXX XXXX COMPLAINTS AND THE HONORABLE XXXX XXXX XXXX XXXX DETERMINATIONS, XXXX XXXX FREELY AGREES TO PAY ALL LATE CHARGES THE HONORABLE XXXX XXXX XXXX XXXX DETERMINES XXXX XXXX AND XXXX XXXX XXXX OWE TO CITIZENS BANK. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 9th Complaint for Citizens Bank. 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: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an Inquire from Citizens Bank on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A