Date Received: 2017-08-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have deposited my pension check in Citizens Bank at XXXX XXXX, XXXX, Michigan XXXX for over ten years. However, I received a XXXX copy of my check dated XXXX XXXX, 2017 for the amount of {$1400.00} and stamped across the front of the check : " RETURN REASON UNABLE TO LOCATE, along with the XXXX check was a notice that stated : " WE HAVE ENCLOSED THE ITEM AND SUBTRACTED THE AMOUNT FROM YOUR ACCOUNT BALANCE. AS WELL AS WELL AS CHARGED YOUR ACCOUNT THE ITEM FEE. PLEASE UPDATE THE BALANCE IN YOUR ACCOUNT. ( See exhibit A notice and XXXX copy of my check ) I called the bank and instead of Citizen Bank contacting the issuer or payer the ( XXXX XXXX XXXX Pension Plan ) of the check because as they said they could n't located the account and they did nothing but sent me a notice the victim and the receiver or payee of the check. It stand to reason if you receive a check and you ca n't locate the funds or money to contact the person or institution that wrote or issued the check, if you really serious about locating the money or fund, unless you have something to hide or you do n't want them to be involved for whatever other reason. Citizens Bank had the account number, the check number, the routing number and the person or institution name that authorized or issued the check, so why could n't they located the check. This check was identical to the other checks in the pass. although, Citizens Bank reason was UNABLE TO LOCATE AC-COUNT. What was Citizens Bank really looking for the information they needed to find the check was in plan or clean sight in front of them on the check No.XXXX XXXX. Citizens Bank and the Manager XXXX XXXX reason was UNABLE TO LO-CATE ACCOUNT and not insufficient funds and I mention it a couple of times to the Citizens Bank and to XXXX XXXX the Manager and they emphatically said it was n't insufficient funds. When I deposited and/or cashed my check I only received {$600.00} out of the {$1400.00} and only {$800.00} was deposited for this particular check. The real question is where is the {$1400.00} that the bank and Manager XXXX XXXX insisted that I am responsible for the check when I did not write or issued the check. I am the payee the person or victim in this case that received the check.. Why was money or funds taken from my account without my consent and approv-al or for a better word or description stolen? Citizen Bank through their manager XXXX XXXX by the " prima facie '' evi-dence of facts appear to have concealed the real reason why they have stolen money from my account by some bank policy that is unlawful. One thing is for sure the money did n't get up and just walk await and Citizens Bank and the bank manager reason do n't pass the smell test, especially since the bank emphati-cally stated it was n't insufficient funds. If this was a matter of in sufficient funds the check would have been returned to the payer and in this case it would be the XXXX XXXX XXXX Pension Plan. However, Citizens Bank consciously, intentionally, deliberately and with forethought conceal the truth and real reason for sealing money form me it 's customer. This is a clear case of stealing from your customer and concealing the facts to cover up your negligent and criminal behavior, therefore Citizens Bank through their manger XXXX XXXX has perpetrate a fraud to conceal the true fact, thus violated the Fraudulent Concealment statute MCL 600.5855. I want my money transaction deducting the funds from my account without my consent and approval be returned to my account, plus the {$20.00} return fee with interest and penalty {$500.00} added to my account for the Bank action that was intentionally inflicted upon me under false pretense. That no transaction be taken without my consent and approval and that who ever is responsible be terminat-ed. I also want a response in writing. Sincerely Submitted XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( XXXX XXXX )
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: To whom it may concern, XXXX XXXX, 2017 My name is XXXX XXXX XXXX and I have a complaint against Citizens Bank located in XXXX, Ohio. I am writing this letter as a short explanation as to how this transpired. I closed my account with Citizens Bank on XXXX XXXX, 2017 and switched to XXXX XXXX around the same time. Upon switching banks I notified all parties whom electronically withdraw monthly payments, as to this change. XXXX XXXX XXXX, who holds my car loan, was not made aware of this change ( due to an internal error ), and proceeded to take my car payment from my old CLOSED account through Citizens Bank on XXXX XXXX, 2017. Instead of Citizens Bank notifying XXXX XXXX that the account was closed, they charged me a {$35.00} NSF charge, and did not pay the payment to XXXX XXXX Bank. As an apology to myself from XXXX XXXX, they sent me four gift cards in the total amount of {$40.00} to cover any NSF charges. I did not feel I owed ANY fees to Citizens Bank for the simple fact that the account was already closed. When I withdrew the remaining monies I had in XXXX XXXX on XX/XX/XXXX, in the amount of {$18.00}, I informed them that I was closing the account. I have not received any notice from them as to this being closed. According to Citizens Bank, I have a negative balance of $ XXXX. I am curious as to how I can obtain a negative balance in an account that is no longer open according to my records? I believe that Citizens Bank is performing illegal banking procedures, and unfortunately I am not the only one who has been affected by this. I am seeking that the account that I had with them be acknowledged that it is closed and that no monies are owed AT ALL. I would like an official letter from them that states these conditions for my records. Thank you for your attention in this upsetting matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2017-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I got a promotional flyer with a new address packet that promoted a {$150.00} Balance Builder Bonus when opening a new One Deposit Checking Account. I went into this local branch and talked to XXXX XXXX about it on XXXX XXXX, 2017 and signed up for this checking account. XXXX went over the qualifications for this including him saying a {$500.00} deposit needed to be made within 60 days of the account opening, among other stipulations. I made the {$500.00} deposit that day, although the bank broke it up into 2 different deposits for some reason. The account was opened for the 90 days as stipulated, and I made a monthly deposit as required. I did not see the deposit so I called their customer service dept and was told it had to be a direct deposit of {$500.00} from an employer or other pay source. I stopped into the office and XXXX said that he would make sure I received the bonus, even if he gave me incorrect information because that was his fault, and to let him know if I do n't receive the bonus by the end of XXXX. I did not receive the bonus and emailed XXXX and on XXXX XXXX, 2017 he received notice the bonus was not triggered and he escalated the issue to a higher realm. I received a call on XXXX XXXX, 2017 from a the Resolution Department with Citizens. The woman 's name was XXXX ( spelling? ). She took the information and said she would contact the marketing department and get back to me. She called me back that same afternoon and said because I did not have a direct deposit from an employer I did not qualify for the promotion. I argued that I was told something different and she just kept repeating " You do not qualify for this promotion ''. I called XXXX XXXX at the local branch office and told him what I was told and he said he would send a problem ticket to another chairman and let them know of the situation. I have not heard anything from anyone since.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: Did n't work for a week now I ca n't borrow from XXXX XXXX until my bank sends some information to the lender.
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Citizens One Home Loans has consistently misapplied my mortgage payments and used deceptive practices. I am a XXXX year old woman attempting to pay my loan off. I have consistently paid my mortgage payments on time each month. In an effort to pay off the loan, I have made several extra payments over and above the normal mortgage payment amount. Previously I sent in 2 separate checks. One for regular payment and one check for over and above and SPECIFICALLY outlined that this amount was to be applied for principal only. A Citizens One Home Loan representative informed me that I did not need to submit two checks but instead submit one. That is when I complied and began sending one. It appears to me that is when the problems began. Even though I began sending in a single check, I continued writing for loan AND principal not only on the remittance slip but also on the memo line of the check. Over time I began to notice that the amount of my loan did not appear to be decreasing as I expected with extra payments. This is when I began to look at my monthly statements to discover why. I found that numerous payments had not been applied to principal ONLY ( as I had written on not only the remittance slip but also on the memo line on the checks. ) Therefore, there should not have been a question as to how payments should have been applied. When I noticed the errors, I began calling to complain and ask why this had been done. I was told by customer service agents as well as the supervisor that I should have caught this before and they could not go back one year to check the errors. The supervisor, XXXX XXXX, also told me that if they corrected the error, I would be behind 2 months on my loan leading me to foreclosure. She also stated my default would be reported to the IRS and Fannie Mae. I began receiving automated calls stating that my loan payment was late. I also received correspondence via mail stating that I was late making loan payments. I was told to send in payment in excess of my normal payment. This has caused lots of fear, trepidation, and anxiety. I have made numerous, numerous calls to customer service trying to get assistance and all I am told is that they are working on it and will call me back. They never call back. When I try to speak to a supervisor no one is available. I finally wrote a certified letter to XXXX XXXX XXXX, VP of Mortgage Services. I received a letter saying they are working on it. Listed below are some of the errors I have discovered, there may be more : XX/XX/XXXX XXXX payment made- {$100.00} to principal-not applied XXXX XXXX payment made- {$100.00} to principal-not applied XXXX XXXX payment made- {$6000.00} to principal- not applied XX/XX/XXXX XXXX payment made- {$500.00} to principal-not applied XX/XX/XXXX full payment XXXX paid- {$37.00} escrow overage not applied XXXX XXXX payment made- XXXX to principal not applied XXXX XXXX late fee charged XXXX XXXX late fee charged Customer service representative states late fee is because I sent my payment for next month in too early and it did not register in system and was perceived as late. So 2 sets of late fees in one month. Because these payments were not applied as indicated by me the extra payments went to interest and escrow. I want this corrected as soon as possible so that I may see clearly my pay off amount. It appears as though no one is willing to help. I have requested a full audit dating back to XX/XX/XXXX based on these newly discovered errors and was told they do n't audit themselves. They only investigate what the customer asks them to. I was asked why had n't I kept up with my statements as if this were all my fault. This company is very dishonest. Please help me to get to the bottom of this mess. I do not want to lose my home that I have worked very hard for. I feel as if they are taking advantage of me because I am a senior citizen. I have been calling Citizens One Home Loan for 1 year now to no avail. They are very aware of the situation because when I call, the customer service rep gasps when they see the notes and the mess that has been made of my loan account and I get the same pat answer we are working on it. Anything you can do or any answers you can obtain would be greatly appreciated.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: A call was placed to Citizens Bank of Michigan on XX/XX/2017 requesting that my account be closed. I was advised that there was an {$8.00} balance in the account and that they could not close the account without those funds being moved. Those funds were moved to my business account with the same bank, and my account was to be processed for closing. However, the representative went on to tell me that they can not close my account because there are pending transaction on the account. I advised them that other than those transactions I am requesting the account be closed and no further transactions allowed on the account. I was advised that this was impossible. I was then transferred to a supervisor who stated the same as above. When I advised him that the account was being requested to be closed, he stated they could n't close my account and would not close my account. He also stated that any new transactions can occur on my account without my authorization at this time and fees could be assessed. I then stated that I did not want any further authorizations to take place on this account. He replied with the statement that he can not and will not assist in closing the account until Monday at the earliest. When I stated that I have requested my account to be closed and he has denied my request to close the account, he stated that even if he closed it today, if any check, debit card transaction or ach attempts to hit my account within 60 days of the day of closing, they have the right to re-open my account and asses me over draft fees, sustained over draft fees and any other account fees that they wish to. Again when I requested for my account to be closed, he stated that the account is not closed and will not be closed by them and that they will leave it open as long as they want. He then hung up the phone on me.
Company Response:
State: MI
Zip: 48473
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had my account less than 1 year with this bank. During my time with them, I was told many things by the branch. One of those things is that they do n't charge fees on top of fees. Recently I received an overdraft fee and I was told that it was the only fee I would get. They then turned around and charged me an additional {$30.00} fee. Also recently, I used their mobile deposit for a payroll check. They refused to provide me with access to my money and placed a large hold on it. I asked for it to be canceled and I was informed they have no option to cancel a mobile deposit and that they can do whatever with my money they want. They indicated to me that the law allows them to hold a check as long as they choose, however the law also says they have to inform me of that hold. If they choose to hold and not inform me or allow me to cancel then they are violating the law.
Company Response:
State: MI
Zip: 48473
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email. {$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX/XXXX/2017 a {$5000.00} ach wire was sent to my checking account. The checking account had closed on XXXX/XXXX/2017 I did not know this as there was nothing on line to indicate account was closed. On XXXX/XXXX/2017 I called the bank was told to go to branch open new account. When at bank was told money would transfer XXXX/XXXX/2017. I called bank on XXXX/XXXX/2017 when money not made available I am told that they took care of overdraft {$450.00} but I not given access to funds. I am told money will be made available after 15 day hold for check to clear. I remind that this wire not check .Told me will hold till XXXX/XXXX/2017. I also complain that know where on line does it show that {$450.00} was paid or that holding {$4500.00}. On XXXX/XXXX/2017 I go to branch am told money will not be made available till XXXX/XXXX/2017 will mail a check. I offer letter from ach company to show money went threw was told does not matter. I understand a few day hold as account was overdrawn and closed but not almost a month to mail a check. I understand half of this my fault for over drafting account and letting it close. However I received nothing in mail or show on line account closed. Because of this I can not go on vacation I paid part cant pay balance. Mortgage and car insurance not paid. Still not have anything showing bank is holding my money
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A