Date Received: 2023-09-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: dispute a transaction approx cost XXXX the bank with the millennium children working for citizens bank do not understand how the United State Postal service works. On a sunday an electronic transaction hit my account with a toll free number attached. So i call that number and they said to me that i ordered so membership it was in the fine print of which i had no intention to do so. the matter started when i as a XXXX XXXX customer answered a survey and the offered me to chose a product for my survey. I ordered high power ear pods. once i found out that i had to be a member and pay for this membership i decided that when i received my package i would return it. so in the United Postal Service if you receive something you dont want and or never ordered you give it to the clerk and its called " refusal return to sender '' this is done at no cost to me the consumer and also NO RECEIPT IS GIVEN AS THERE IS NO COST. The children of citizens bank mandated that i provide a receipt from the post office that i returned that package and the is unavailable they do no give receipts on return to sender. citizens bank closed my account placed it with XXXX XXXX and declaured that i abused my account for filing a dispute under regulation E and 93 A of the massachusetts consumer protection act.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been involved with multiple fraud alerts back to back, just terrible to timing, but XXXX XXXX in a high crime area, XXXX Michigan. First fraud was a web leak I think, that got resolved. The second one happened about a week after, someone got my debit card Information somehow and withdrew all of the money in my account and spent additional money sending me in overdraft. The withdraw happened in New York, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I think the fraud happened at a gas station where I used my card on XXXX. The following are the fraudulent transactions : XX/XX/XXXX : - {$63.00} at XXXX XXXX XXXX, XXXX XXXX, XXXX - {$500.00} withdraw, XXXX XXXX, XXXX - {$3.00} balance inquiry, XXXX XXXX, XXXX - {$3.00} foreign atm fee, XXXX XXXX, XXXX XX/XX/XXXX : - {$28.00} at XXXX, XXXX XXXX Plus overdraft fees because it was all of the money I had, that being {$35.00} overdraft fee
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX My name is XXXX XXXX XXXX XXXX MD and my wifes name is XXXX XXXX XXXX XXXX We live at XXXX XXXX XXXX, XXXX XXXX, New York XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are our complaints against Citizens Bank XXXX Bank ) in connection with a construction loan ( in my name alone ), in the amount of {$870000.00}, regarding the construction of our custom home located in XXXX XXXX, New York. What we had thought would be a dream come true has become a nightmare in large part due to the bad faith and misconduct of the Bank. Our first complaint arises out of the Banks approval, following its own flawed construction progress inspections, of construction loan disbursements to our prior builder for construction work that was not actually performed and/or completed as claimed by the builder. The failure of the Bank to properly perform those progress inspections resulted in excess disbursements to the builder in an amount exceeding {$150000.00}. As result, we are now responsible to repay the funds that the builder received far in excess of what it was entitled, and we have had to rebuild portions of our home in order to meet the architectural plans and the towns inspection standards. The initial builder for our home was XXXX XXXX, XXXX and its owner is XXXX XXXX ( collectively XXXX XXXX ). We terminated XXXX XXXX on XX/XX/2023 for various reasons. At the time of their termination, XXXX XXXX had received {$550000.00} in total Citizens Bank construction loan disbursements, leaving only {$320000.00} in construction funds to complete our home. At that time, XXXX XXXX had received : {$28000.00} based on the false claim that 80 % of rough electrical work was complete ; {$27000.00} based on the false claim that 50 % of rough plumbing work was complete ; {$25000.00} based on the false claim that 100 % of HVAC work was complete ; {$14000.00} based on the false claim that 100 % of the exterior trim was finished according to the best quality standards ; {$18000.00} based on the false claim that 100 % of the framing was complete and was ready for the towns inspection ; and {$19000.00} for exterior doors and windows, which he refused to deliver. In addition to the Banks improper approvals of the construction loan disbursements to XXXX XXXX, it compounded our severe financial distress in connection with the construction of the home by refusing to authorize the final construction loan disbursement to our replacement builder due to the filing of a Mechanics Lien by XXXX XXXX. This abuse of discretion is our second complaint against the Bank. We asked the Bank to reconsider its decision not to approve the final disbursement because the disbursement approval is consistent with the terms of our Mortgage. The Bank, however, would not reconsider its bad faith decision. The Mortgage provides that we are not required to promptly satisfy the Mechanics Lien to the extent we are defending the lien in good faith such that it may not be enforced until the lawsuit ends. See, Mortgage at page XXXX. As we advised the Bank, we have disputed the lien in the Supreme Court such that even if all, or some part of, the lien is enforced, which is unlikely given our claims against XXXX XXXX, it would not be enforced until the conclusion of that litigation. The Banks actions of withholding the final disbursement will severely prejudice us as we will not be able to complete construction of the home, which will prevent us from obtaining a Certificate of Occupancy so that my family can begin residing there. The dire financial consequences to our family can not be overstated. The Banks actions will result in us paying it a penalty in the amount of {$4300.00} every three months, due solely of the Banks improper refusal to release the final disbursement, while simultaneously benefiting the Bank financially as we also pay the Bank in excess of {$2600.00} each month in interest. We also understand the Bank issued several construction loans where the builder was XXXX XXXX, and that none of those custom homes were completed by XXXX XXXX XXXX. In fact, there are four other lawsuits pending in the Supreme Court involving XXXX XXXX or XXXX XXXX, XXXX with at least three other Mechanics Liens having been filed by our prior builder. We are simply asking that you investigate the Banks deception, lack of fair-dealing and abuse of discretion as it relates to their flawed inspections which resulted in the substantial overpayments to XXXX XXXX, and its wrongful decision not to authorize the final construction loan disbursement to our substitute builder.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I spoke to citizens bank on the phone and contacted them to close my checking account. I do not have access to this checking account because they locked me out of it and I can't even reset the password to the account. I was told my account is being closed but I just received an overdraft notice on an account that should have been closed months ago.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX - Opened a new account with Citizens Access with an electronic opening deposit {$3200.00}. XXXX deposit {$4000.00} XXXX Received notification of Frozen account, pending review. Called customer service, was told that it was due to the account being new and should be released in a week or so. XXXX Attempted to transfer {$2000.00} to my XXXX XXXX account to pay medical bills and received notification of failure. Called customer service and was told that there is a FREEZE on my account that has not been released from XX/XX/XXXX. She filed paperwork to have the restriction removed. I was told to check back in XXXX hours. XXXX Attempted to transfer money again and it failed again. Called customer service and the representative filed an escalated form to have the restriction removed by XXXXXXXX XXXX XXXX Attempted to transfer money again, and it's still failing. Filed complaint with CFPB.
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had an account with Citizens bank in XXXX XXXX XXXX XXXX in XXXX XXXX I had recently gone on XXXX and had purchased a new T.V also a new 4 wheeler amongst other items For a total of {$6900.00}. It was from roughlyXX/XX/XXXXthroughXX/XX/XXXXroughly I believe so a few weeks had gone by and I had not received any of my items so I contacted my bank they stated they paidXX/XX/XXXXand I calledXX/XX/XXXXthey said they never got the funds. I then go into my branch and spoke to a clerk then manager then I had to come back and talked to the general manager of several branches of Citizens bank and he had called his corporate office and had gotten into an argument with them over trying to get me my money back. He had hung up the phone and told me after he was on the phone for almost 3 hrs he hung up snd stated to me XXXX im sorry but they are failing to refund you your money so you have to sue me I said what he said yes you have to sue me go file the paperwork you will win because we had your money and some how someway it got lost between here and pay pal. So go down and sue me you will win and get your money and late fees etc and court cost. I had tried going down to court house but it was to much money for small claims that I had to retain. Council but I did not have the money to do so and still don't. So I figured maybe your office can possibly help me?
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a bank account with Citizens Bank online on XX/XX/XXXX under a promotion to earn up to {$400.00} after certain requirements are met. First threshold was a direct deposit of {$500.00} within 60 days to get {$300.00}. Second threshold was to get {$2.00} for every debit transactions up to {$100.00}. I met both requirements but did not get the bonus. I contacted customer service via the phone 2 times and follow-up with chat messages. Via a phone call, a Citizens Bank agent claimed I was not qualified for the {$300.00} because the direct deposit came from a credit union. Via email, a Citizens Bank agent claimed I am not qualified to receive the {$100.00} because I must not be a primary signer on a previous Citizen Bank within 6 months and their record showed I have an account X months ago. The last time I have a Citizens Bank account was sometime in XXXX. Based on the bank account activities, I should be entitled to the {$400.00} bonus. Link to promotion : https : XXXX
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received a check in the mail from my previous employer for {$5600.00} on XX/XX/XXXX and deposited the funds into my citizens bank checking account using the mobile app the same day. This is an employer I had worked for for XXXX years ( meaning i have additional proof from w2s and previous pay stubs ). Citizens put a hold on the check and would not explain why but assured me the funds would be available on XX/XX/XXXX. Much to my surprise I woke up on the morning of XX/XX/XXXX to find my bank account had still not been credited. I contacted citizens and was ultimately told until they could verify the check with either the bank the check was drawn on or my employer that it would be held INDEFINITELY. Naturally I was furious as this is a legal valid check and i am tax paying citizen. I called my HR dept and even merged the call with the citizens branch manager and my HR dept said theyd be happy to verify the check in whichever way citizens deemed necessary. They would not allow this and insist on holding my check and making my funds inaccessible to me for 90 business days. This is a check that was deposited on XX/XX/XXXX that citizens is refusing to cash until XX/XX/XXXX. Baffled as to how this is even legal considering they also wont allow me to cancel the deposit and cash it elsewhere. They have also refused to explain why the check is being held other than to say that some information on the check is inconsistent. I find that hard to believe considering I work for a XXXX XXXX XXXX XXXX XXXX XXXX based out of XXXX XXXX North Carolina ) that has been using XXXX XXXX for years. Hoping somebody can assist me with accessing my hard earned money. Thanks.
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to deposit XXXX dollars a few weeks ago. The machine ate my money and timed out. I had no credit to my account!!! So I called the bank and the police and I was credited a few days later for XXXX. I got a letter about a week ago saying that they conducted an investigation and there was no error on the machine but the cameras will not lie!!! So now my account is minus. I am XXXX on XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I also never got {$300.00} bonus for opening my account. The branch manager never returned my call. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received unauthorized and unverified inquires on my credit report that I did not give access to
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A