Date Received: 2016-10-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-30
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: In the spring of this year I received a call from my currant mortgage company, Citizens Bank, telling me I could refinance my currant loan for a lower interest rate. I have had my loan with them for aprox. 8 years. I told them yeah great. I went through the whole process and received a call for someone to come and do an appraisal and when I gave them directions and told them it was a double wide manufactured home I was called and told I could not get the loan. Now they are the ones that gave me my loan 8 years ago and now I am not good enough to redo it!!!!!
Company Response:
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I have taken out a loan with Citizens One through XXXX financing a new XXXX. They sent me my loan number to setup my account online and when I try to do this and enter a username and password the website does not respond and I can not access anything at all. This has been over a week and I have called twice and they said they are submitting a work order. I am unable to access any information, dont know when my next due date is or how much I am being billed or if I will receive any correspondence about my upcoming payments. Pretty much left in the dark.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-30
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Citizens put a hold on money I deposited for more than their normal two days, they never notified me of the extended hold. They have released other checks I have deposited made out to my husbands business with the normal two day hold if they were going to have an extended hold they should have notified me or returned the deposit. They let me take cash out on the deposit and transfer money in to my savings account they put the extended hold on the account to collect ADDITIONAL FEES
Company Response:
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2016-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: To whom it may concern, Our family checking account at Citizens Bank was rubbed for {$26000.00}. Some person cashed out fraudulent check at some bank in Connecticut and Citizens Bank authorized transaction. Citizens Bank cleared fraudulent check without our signature and let some XXXX receive {$26000.00}. This check does n't have XXXX names in upper left corner ( only XXXX ) as it suppose to have, does n't have our signature and signed on back side by XXXX XXXX. We do n't know what is this XXXX XXXX and how this transaction possibly allowed by Citizens Bank. We have filed complain at Citizens Bank Claim Department. But more than two weeks after it happened we can not get clear answer why this transaction allowed to happen in first place when our case will be resolved and we will be able to get our money back. We hope some one can help us to resolve this issue, so far it feels like no one in Citizens bank willing to do it. We are about to loose our trust to banks. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Citizens Bank Account No : XXXX Claim No : XXXX Amount claimed {$26000.00}
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received another call from Citizen 's Bank 's asset recovery division. I do not have any loans from Citizen 's Bank. My XXXX XXXX XXXX son who is still a full time college student has a loan that was sold to Citizen 's Bank. The contact information on that loan at the time it was sold was his, not mine. I did not cosign for the loan and he should not have to make payments since he is currently a full time college student. It is possible that they are calling about this loan. They could also be calling about a debt owed by XXXX XXXX who is not related to me and has never used my home phone number.
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My problem with CITIZENS BANK Over the past week I have been assessed XXXX overdraft fees/service charges totaling {$230.00} This brought my account down to - {$250.00} Simple math shows that my account is ACTUALLY only - {$19.00} This means that I have been charged more than XXXX times what I actually am negative in the account. This seems a little excessive. When I contacted my customer service number, the first man ( who was very nice personally ) said that he could n't do anything. I asked him to escalate me to a supervisor, and he obliged. The supervisor at first said that there was nothing she could do, then when I kept pleading my case, she said she could remove XXXX of the fees, ( which was actually XXXX fees assessed in 1 day ). She took {$100.00} off, which still leaves me - {$140.00}, or 7 times what I am actually negative! I fully understand that if I go into the negative, I will be assessed a fee of {$35.00}, but {$230.00} is insane, especially after the taxpayer based bail out.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-27
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: received a check from Citizens Bank referencing Administrative proceeding File No XXXX - XXXX I asked Citizens if I can have the date that the error occurred so I can correctly adjust my corporate records. I was told they do n't know??? If they do n't know how did they decide to send me a check. I would hope that the consumer Financial Protection Bureau know the answer when did the error occurred. A answer between XXXX and XXXX is not sufficient THANK YOU Sincerely, XXXX XXXX
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-24
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: XXXX I write checks to many companies. My bank is Citizens Bank. XXXX XXXX company deposited checks XX/XX/XXXX. They scan and deposit like many companies. Somehow by mistake, XXXX XXXX redeposited XXXX of the checks from XX/XX/XXXX physically through teller. My bank cleared it again. When I call to clearify what has happened, one of their supervisor told me they do not have system to stop this yet. They will refund my account 24 to 48 hrs. Thats not my problem. My problem is that big banks does not have this fail safe system set up to stop such a happenings, it is literally scary. So anyone or any company could redeposit checks that is already scan for deposit it will get clear and they will have double the fund and consumer will be out of money for the time until bank or somenone catches it. If someone wanted to fraud you, they could redeposit scanned check and run with it. Citizens Bank supervisor told me, not only their bank but other banks do not have that system. Now this is really scary to consumer like me. Big banks should have thought about this when they did photo image depositing. What were they thinking?!. Honor system. This is my problem and it should be with others too.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2016-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-25
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: I have applied for a loan through XXXX as part of the XXXX upgrade program. Two years in a row, Citizens Bank rejects my application. I have no debt and no issues with credit, and yet I am continued to be rejected by this bank for no legitimate reason and no explanation. I have given the bank XXXX different credit cards, so they can check my credit to no avail. They clearly have written an biased algorithm into their process through which I can not get any pass through.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No