Date Received: 2017-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a checking account with Citizen 's account for over 25 years and to assist my daughter 's college endeavor, I took out a Home Equity Line of Credit ( HELOC ). It was paid by auto-withdraw b the Bank every month for which I have statements from my checking account # XXXX which the bank did illegal activities i.e. not ever providing me with a statement, therefore, I may NOT owe anything anymore!!!? They REPORTED ME FRAUDULENTLY AND MALICIOUSLY TO THR CREDIT BUREAU AS NON- payment giving me a bad credit score!!!! Now, I call the Bank and am told that I do not have a HELOC which is leading me to wonder WHY did the Bank report me and XXXX XXXX from the Office of the Chairman wrote that I paid late there ( 3 ) months in 2015 and provided me with a phone # to contact her if I have questions yet I called over TWO DOZEN TIMES to no avail?! I want the fraudulent/malicious report to the Credit Bureaus REMOVED and the paperwork/statements of my HELOC which the Bank tells me I DO NOT HAVE?!?!?! Copies of my bank statements can be provided if/when necessary as I do not know how to attach or make copies of 25 or the many pages as I am not working in the professional capacity set up for secretarial circumstances but I do have my checking account XXXX statements reflecting withdraw of money to my HELOC.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have requested to transfer my IRA account from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX OH XXXX, to Citizens Bank, to be deposited into my existing IRA Savings acct. The XXXX XXXX then sent me a letter dated XX/XX/XXXX, stating that the Trustee to Trustee Transfer was completed in the amount of {$8400.00}, and that the check for said amount was mailed to Citizens Bank-Retirement Services, XXXX XXXX XXXX XXXX, XXXX RI XXXX. Again, the letter is dated XX/XX/XXXX, and today 's the XX/XX/XXXX. The money has left the XXXX XXXX yet have n't reflected on my IRA account at Citizens. My numerous phone calls to Citizens produced no results, the money is nowhere to be found. It 's been almost a week and nothing happens. It appears that Citizens have lost it. OMG
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have mortgage loan and circle gold check account with Citizens Bank for several years. I start to setup more than one credit cards auto-payment since last XX/XX/XXXX. Its website multiply auto-payments functions sounds NEVER working to me. Originally, I only has one XXXX Credit Cards auto-payment setup with the bank without problem. However, after more than one 's setup, the bank website multiply auto-payments functions is only still working on my XXXX Credit Cards auto-payment setup correctly but NEVER WORKING CORRECTLY for at least half years. I always manage to make manual payment by myself at first months and double check about auto payment settings on their website for slowly and patiently practices variously including call customer services line several months. I am an XXXX/XXXX XXXX guy for my life. I have a lot of my guts feelings about these problems and once even drive to its bank branch located in XXXX PA to let their new branch manager to setup by herself. They seem always divert my topics, have difficulties or blame other company 's problems that are resulted in many late payment, interesting and finance charges at all my credit cards and my accounts in the bank. I have many real-time online screen snapshots document to show they and spend a lot time to solve all problems caused by this bank. I get a lot of credits back from my other institutions and ask this bank cover the rest of my money lost without my mistakes. The bank is refused to do so and insist not their faults. I am very frustrating about the chaos.
Company Response:
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was assessed a XXXX sustained overdraft fee because I could not deposit enough money to bring my account back to XXXX} within four days. I will be assessed another XXXX} sustained overdraft fee at seven days, and another XXXX} at 12 days. That will be XXXX, plus the original {XXXX} overdraft fee, bringing the total to XXXX for one mistake. I see there is already a class action lawsuit against Citizens Bank for this practice, because they are not providing any services for these sustained overdraft fees, and it is many times higher that than maximum interest rate banks are allowed to charge. At the time of the class action lawsuit, there was a XXXX sustained overdraft fee for every day the account remained overdrafted, with a cap of XXXX. Their new policy is twice as bad as the one that led to the lawsuit to be initiated.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have been banking here for approx 10 years. I filed a complaint vs this bank in XXXX of XXXX ( i think the year is correct ) in regards to the mishandling of a merchant dispute I needed to file for recovery from a company billed to my account named XXXX life and health insurance. My dispute was handled by XXXX. On XXXX XXXX, XXXX I became suspicious of ID theft, I immediately consulted with my branch XXXX ( XXXX XXXX. She advised me that in a situation like this it 's best to close the current account and create a new account. Which she did onsite. She advised me that they can work out any fees after some time has gone by and any auto debits, auths etc have completed their cycles or posted to the account. She also ordered new checks for the new account that were supposed to be free and a match to my previous order that I only just made on the old account. Today is XXXX, XXXX, XXXX. I began to follow up with XXXX by phone messages left at the branch, but XXXX never responded. Because XXXX was not returning my messages, I then Contacted citizens bank corporate to discuss all of the fee 's appearing on the old account #. I was told that this is not a bank error and it 's my fault and they are not going to waive any fees. I immediately called the XXXX XXXX and advised a banker named XXXX of my issue, He indicated that this has nothing to do with him and did not want to touch this with a 10 foot pole and said he is emailing XXXX as we speak. Since then it took approximately 10 days and 3 visits to the branch where I did a deposit " inside '' the bank, which I never ever do. These were done in the attempt to speak with XXXX who was always unavailable. I requested XXXX XXXX the VP of business banking to call me, but she never did XXXX however I did see XXXX there once but she also was too busy to speak with me at that time, She was on the phone ) Today was the first time I have heard back from XXXX at the XXXX, XXXX XXXX Branch. She advised me that the corporate office submitted a costumer complain on my behalf ( i did not even know ) and she agrees with them and will not be waiving any fee 's. I Advised XXXX that I was right to seek her advise in this matter b.c today I discovered proof that I am a victim of ID theft. XXXX did not seem the least bit interested. She seemed overall annoyed or hostile towards me. She also went on to say that it is out of her hands now because I called corporate. Basically leaving me feeling like XXXX this is all my fault or as if i did something wrong because I called the XXXX citizens bank #. Are n't they XXXX in the same? Is corporate a different company or something? As of this complaint date of XXXX/XXXX/XXXX I am being held responsible for the fees estimating at about {$500.00} and still have not been reimbursed for the large check order. In summary. I suspected ID theft, sought professional help from my branch bank. XXXX XXXX 's advise and instructions which have lead me to a loss of approx {$800.00} in total. Citizens Bank has no interest in assisting me and I dont beleive they ever did. XXXX XXXX misinformed me because she herself lacks the experience and knowledge to manage or she has seen this before and knew it would happen and therefor I believe it 's safe to assume kept this from me. Either way Her use of some terms like " Placing a hold on the account '' were not defined and she is abusing this grey area to serve some other purpose then to keep me as a consumer safe and protected from fraud attacks. In my Efforts to protect my family and my business and to hopefully again achieve peace of mind in regards to the safe keeping of my identity and the XXXX " not '' recovery of money. Citizens Bank has harmed me in this way.
Company Response:
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX XXXX has added a link to " My Accounts '' online portal. I sent them several emails in the period XXXX/XXXX/XXXX through XXXX/XXXX/XXXX asking them to remove this service from " My Account. '' I have no interest in this service. As in the XXXX XXXX incident, they have NO RIGHT to open an account or service in my name that I have NOT authorized. In addition ; when I logout out of my online account, the XXXX account as they call it remains open. I must logout separately from this unwanted service or leave myself libel to hacking.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account at a local Citizen 's Bank ( CB ) branch. CB was running a promotion ; make {$500.00} in direct deposits within the first 60 days and CB will deposit a {$200.00} bonus. I asked the banker, XXXX, if the initial qualifying {$500.00} direct deposit could be broken up into multiple deposits, or had to be one large lump sum. She specifically told me that as long as the direct deposits added up to {$500.00}, either would be fine. I immediately adjusted my funding accounts at work for two direct deposits of {$250.00} each to be deposited over the subsequent two pay periods ( totaling {$500.00} ). However, the {$200.00} bonus was never credited to my account. I called in after the 60 day period expired, and was told that the initial deposit had to be one lump sum of {$500.00}. So I contacted XXXX, who advised that she reached out to CB 's marketing department and asked for an exception. Unfortunately, the exception was denied, even though she initially advised us that the qualifying deposits could be broken up. I attached the e-mail conversation with XXXX. She advised that she never stated that the initial deposit could be broken up. However, I would not have broken up the deposits if I was n't informed I could do so. The only reason I broke up the deposits was because it was more of a convenience ; doing the one lump sum would have required me to temporarily delete one of my funding accounts from my company 's payroll system. The whole ordeal has been really unfair. I know it 's my word versus the banks, but I really feel that this is a UDAAP issue. Please make an exception and credit me the {$200.00} intro bonus.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I moved in XXXX of XXXX to Florida. In XXXX of XXXX, I closed my checking account with Citizens Bank. I then received a note date XXXX XXXX, XXXX, that said I owed an additional amount of {$300.00}. I asked why and they told me that they processed bills to my account. I asked for a statement of those payments, and was denied. I was then told I owed additional money on top of that statement and that I now owed them {$330.00}. Which I then paid to close the account. I then received a call and was told that I owed them {$1100.00} in XXXX of XXXX. Which I sent a check to the address that they gave me. I was called twice after that and told I still owed that amount. Next I received a mail from them stating that I owe {$80.00} for late payments. I complained and they stated they would waive the fees since I had paid the earlier amounts. However, they have called my home 3 times since then and today I heard from my elderly father that they called him about it. This is unbelieveable.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A