Date Received: 2016-09-24
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I had wrote a check, as part of an agreement with my mortgage company, that was post dated for XX/XX/XXXX. XXXX cashed the check a day early, XX/XX/XXXX, causing my account to become negative. The next day i was paid, the check was declined, and the funds were returned to my account. I was advised to place a stop payment on check XXXX, by the bank, and wells fargo. The reason for this is that XXXX would continue to withdraw my check. the bank charged me XXXX dollars to place a stop payment, aswell as XXXX dollars for an overdraft fee. The bank confirmed that the check would be declined if XXXX would attempt to remove it again. At this point i have a positive balance, and have made alternate arrangments with XXXX for payment. I begin to use the funds that are availible again, and on XX/XX/XXXX, am denied a purchase at a local gas station. A call to Citizens bank indicates they had allowed the check to hit my account again causing my account to become negative.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2016-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: The Citizens Bank ATM recognized my debit card and had no problem with my withdrawal, but then failed to return the card, without explanation. When I called to complain, I wanted my card back or a replacement card with the same expiration date so that I would n't need to spend hours rearranging all my automatic payments with vendors. They instead ordered me a new card with a new expiration date. The supervisor XXXX XXXX in Pennsylvania stated that they do not provide replacement cards with the same expiration date.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: The issue that I am addressing is with one branch in particular, the one on XXXX XXXX in XXXX, located in my local XXXX XXXX. At every other branch that I 've gone to, the customer service has been exemplary, except at this one particular branch, and to even bring it down to a micro level, one person, XXXX XXXX. the assistant manager of the branch. I 've dealt with what I perceived to be rude behavior on a couple of occasions once on the phone and another time in person. The latest occurring on XX/XX/2016. Whilst discussing matters of my account, XXXX, in the middle of me talking, turned around and walked away from me. When addressing this, he told me that he had nothing else to say, and also that he had to make a deposit drop, without resolving my issue. I immediately went to XXXX the manager of the branch and complained about XXXX 's behavior, and I also asked for the regional manager 's information. Upon further brain storming, I realized that my argument was moot because I was able to resolve the issue, so I did not contact the regional manager. On XX/XX/2016, I received a letter telling me that my relationship with Citizens Bank was being terminated. I immediately felt that this was due to retribution because of my complaint, and possibly discrimination because I am XXXX and XXXX the Asst. Manager and XXXX the Manager of the branch are white. I immediately went to the branch to inquire if my account was in fact being closed due to retribution. I spoke with XXXX the manager at the XXXX XXXX branch, and he told me that they would never close a customer 's account because of a disagreement and proceeded to tell me that XXXX XXXX at the XXXX XXXX XXXX branch was in fact the person that put in the request that my account be closed. XXXX told me that he was n't even allowed to tell me that but he wanted to help me. I then went to the XXXX XXXX XXXX branch to see if more light could be shed on this situation and spoke with XXXX in customer service and with the Asst. Manager at that branch ( who were very nice ), and they told me that XXXX did not make the request for my account to be closed because they had never seen me at the branch and looking over my account they could not see why my account was being closed. All they knew is that it was being closed and that 's all they could really tell me. They were able to see that in fact the request to close my account had actually come from the XXXX XXXX branch where XXXX and XXXX worked. I then proceeded to go back to the XXXX XXXX branch to speak with XXXX again in regards to why ( in a non threatening way ) he told me that it was closed from the XXXX XXXX XXXX, when in fact in was closed from his branch. He listened and said that he did n't believe that XXXX the Asst. Manager would do something behind his back, and he told me that he would do some investigating and get back in touch with me. Customer service to me is tantamount. I am stickler for it, and I demand good service. If I acted the way that XXXX treated me at my job, I would have been written up or possibly fired. I am disappointed with the way I have been handled by Citizens Bank, when all I 've tried to do is be a good customer. I try my best not to bounce checks. I do n't commit fraud with my account. I do whatever I can do legally to ensure that my account stays in the positive. I sincerely believe that XXXX requested that my account be closed because I complained about his poor customer service.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: Citizens One bank received a final payoff amount on our car loan on a new 2015 XXXX XXXX. Payoff paid- {$13000.00}! The amount cleared my bank on XXXX. Have all proof from my bank. Due to error on Citizens part, the amount still has not posted, no title issued, and after almost a month of calling, being told " They 're working on it ''. Totally incompetent customer service.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-20
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: As part of the XXXX upgrade process, filed app with Citizens bank which to my surprise turned me down for a $ XXXX/mth paymemnt despite a XXXX income and a XXXX credit score. Turn down was due to a lien that was opened and shut on the same day, 100 % satisfied because it was a clerical mistake initially and should n't have existed. have n't been turned down in 30 years and the XXXX from XXXX is the lowest of the scores, XXXX with XXXX. Based on internet complaints concerning Citizens Bank, they are simply declining customers for no legitimate reasons.Most likely because they are too small to handle the number of apps they are receiving. This is wrong on so many levels. I have tried to reach the bank officials and they are always too busy to speak and do n't return phone calls.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at Citizen 's One Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at Citizen 's One Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at Citizen 's One Bank and his direct phone number was XXXX ext XXXX XXXX XXXX # XXXX XXXX. This employee of Citizen 's One Bank acted negligently and Citizen 's One Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been the ongoing victum of account minipulation, and excessive overdraft fee 's. Recently Citizens bank charged me an extra fee, for no traceable reason, and was hesitant to rebate the funds back. Citizens only allows one rebate per year, even if the fee was wrongfully issued to the account. I then spoke with XXXX, the supervisor for the call center, and after much debate was rebated back the fee. XXXX was not willing to work with me on any other fee 's incurred over the past year, despite my awareness of account minpulation. I have paid over a XXXX dollars this year, aswell as last year, in overdraft fee 's. I am opted out of overdraft protection, so the banks minpulates my account, in efforts to collect a fee through preauthorized debates, and checks. The bank does not give me continuous accurate account updates, and the bank will hold items for long periods of time before clearing them. The bank also states that they subtract items from highest amount to lowest, but this is not reflected on my account. Each time i speak with a call center representative, they seem to have a different set of posting rules to suit there fee 's. In short, anytime my account is low, or if i write multiple checks, the bank will find a way to post fee 's.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-20
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I closed my bank account in late 2012. I found out yesterday ( I got a car loan with the same institution ) that my account was never properly closed out and was allowed to receive a deposit XXXX7 months after I thought I had closed it. I was unaware of this deposit because I was under the assumption the account was closed and deactivated. The bank then proceeded to take {$90.00} in fees from the account because it went dormant. When I requested a refund of the fees, I was told that since they sent me electronic statements, I would only get {$10.00} back. This is exactly why I left them in the first place.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Overlimit fee
Subissue:
Consumer Complaint: I have a Citizens Bank credit card. I have not made a purchase on the card since XXXX 2011. I have the payment auto deducted from my checking account. The way this card is set up you can only have the minimum payment deducted or the full balance of the card. I had, the minimum payment deducted every month. Somehow with no purchases made the interest took the balance over the credit limit. Seven times in the past year they have charged me, a XXXX fee. Called them, they said they would credit me XXXX fee. I do not understand how you can make a minimum monthly payment and the card went over the credit limit with no activity on the card.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I bank with Citizens Bank. I looked at my account and it showed that i had an available balance of {$9.00} and with citizens bank, anything you spend under {$5.00}, they do n't charge you a overdraft fee. So I spent {$7.00}, which brought my account balance to $ XXXX.Then I spent {$4.00}, which brought it to ( $ -XXXX ). Now this is how it exactly shows on my bank record and I can provide that if necessary. But they are saying that something else went through before the {$7.00} charge, so therefor I 'm getting charged a {$35.00} late fee?? NOW after there late fee just went through they know I have a {$10.00} charge coming through, so now I 'm going to get charged another {$35.00} late fee because of their {$35.00} over draft fee. Just to back up for a moment, I had deposited {$20.00} in my account because i had XXXX charges go through under {$5.00} and I knew I had that {$10.00} charge going through. So to me it 's a disgusting scam. I want to close my account out with this horrible bank but I have thing s going through, so I kind of stuck. the bank account I sent you does not show their {$35.00} fee, it shows they took it off but it does n't show the actual {$35.00} fee, so you will see my account is negative {$22.00} and some change but it wo n't show their {$35.00} fee in the ledger.
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No