Date Received: 2017-04-04
Issue: Credit card protection / Debt protection
Subissue:
Consumer Complaint: On two occasions, one in XX/XX/XXXX and XX/XX/XXXX, my checking account XXXX, was compromised for the amount of {$500.00} to pay on my Citizens Bank Credit Card Account,XXXX without my authorization. Again on XX/XX/XXXX this happened again when I made a monthly payment of XXXX dollars XXXX/XXXX, to the credit card account and the bank " took '' " without authorization '' XXXX dollarsXXXX/XXXX as a credit card payment on XX/XX/XXXX. I called Citizens bank and they 're very incompetent over the phone and have incompetent persons asking irrelevant questions and not solving problems. Twice this year and I 'm afraid that my account has been compromised! When I told this to the Customer Service Representatives, they had no solutions to this issue. I need the Commission to look into this matter because the Bank '' Citizens '' is n't functioning in a normal fashion in the interest of the customer.
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a loan out with Citizens One Auto Finance for my XX/XX/XXXX XXXX XXXX when I was in XXXX. I paid off the loan and received a payoff statement from the bank dated XXXX XXXX, XX/XX/XXXX. The VIN # on this vehicle is XXXX and the account # is XXXX. On XXXX XXXX I went to the XXXX to get plates for my truck as I permanently move to XXXX XXXX XXXX, XXXX to address on front of this paper. I sent my XXXX plates back to the XXXX in XXXX, With XXXX auto insurance in hand, title, and payoff letter from this bank, the XXXX would NOT issue me plates dues to no signature sign off on the payoff letter. Product Vehicle loan Issue Managing the loan or lease
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.
Company Response:
State: OH
Zip: 45750
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: In XX/XX/XXXX, I purchased a XXXX at XXXX in XXXX, IL. After a divorce and being stuck with her medical bills, I filed bankruptcy in XX/XX/XXXX, where I had the vehicle reaffirmed in the process. I moved from XXXX, IL, to XXXX, IL in XX/XX/XXXX, and since my loan was sold to Citizens Bank, I contacted them to change my address. I continued to make monthly payments of {$280.00} each month toward the balance of the car, until XX/XX/XXXX. At this time, their website said, " I no longer had an account, '' and was told to contact their customer service number. I contacted the Citizens Bank Customer Service and spoke with a gentleman where he told me that my loan was paid off and it could take up to 6 months to receive the title. I called back in XX/XX/XXXX, and inquired about the whereabouts of the title of the XXXX. They proceeded to transfer me three times, and finally, spoke with a XXXX from the bankruptcy department. She proceeded to tell me that due to my bankruptcy, my account was " charged off '' and no longer valid. She also stated there was an outstanding balance of {$3600.00} and this must be paid before receiving the title of the vehicle. I was upset with the institution because I was never once called, never once contacted by anyone at the bank due to a lack of payment and since I was told I 'd be receiving the title, I did n't contact them any further. I 'm upset with the fact that I was never contacted since stopping payments towards the vehicle, and now was told that since my account was charged off, they did n't have an obligation to notify me. Finally, I looked back at my paperwork from the original loan and it does state that there would be XXXX installments on loan, but XXXX told me that once I filed bankruptcy, terms of the loan should 've been re-negotiated and they never were done so. She said that my bankruptcy attorney should 've informed me it was my responsibility to contact the institution to negotiate terms of a new loan despite the fact I continued to make online payments for the next 3 and a half years after the completion of my bankruptcy hearing. I was told the only way to pay now was over the phone as they would n't contact me unless the car was to be repossessed.
Company Response:
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: In XX/XX/XXXX I was given a loan by Citizens Bank, In XX/XX/XXXX the loan went into default. I scheduled to make payment arrangements but fell behind. 5 years later I started an account with the same bank after asking the officers whether or not I still owed the money. I was told " no '' so i continued to open the account. Today, my account was debited {$5000.00} and the bank tells me they have the right to offset without letting me know. However, I asked the bank prior to putting my money in the bank. Additionally, the money taken has left me in financial ruins. I ca n't pay daycare, rent or car payments. Please help.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I forgot that I had a {$20.00} insurance payment charge that was drafting to my account. Because the bank moved out of state, I had moved just about all my funds to another bank account. Citizens Bank took a {$20.00} insurance payment charge and ballooned the fee to {$230.00} within 6 weeks and they never sent me communication through email or text, and through direct mailing I did n't receive anything until it was over {$150.00} in charges. If I had been aware of the charges I would have easily taken care of them. Instead they decided to prey on a customer that was leaving them.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My name is XXXX XXXX and I entered a local bank to open a checking and savings account. I was told that I could not open those accounts because Charter One has a record of me with XXXX. I have never had any accounts with Charter One..I tried contacting them but was told that they were now Citizens Bank, and that they were n't in the state of Illinois where I reside. Apparently Charter One moved out of Illinois several years ago before being purchased by Citizen Bank. I would like for Citizens Bank to remove any entries from my XXXX report. I can be reached at XXXXXXXXXXXX or XXXX.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Citizens Bank went into my checking account and withdrew {$300.00}. they said was a Chargeback. First they told me there was nothing they could do. Sorry ... .... Then when I pressed, they cited {$100000.00}. that was released in my bankruptcy in 2010. They told me they had no record of my bankruptcy and were simply collecting their money. Because of their removing money, I bounced my car insurance check. Awesome!!!
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.
Company Response:
State: VT
Zip: 057XX
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No