Date Received: 2023-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citizens direct deposit SSI US Treasury late since XX/XX/XXXX through XX/XX/XXXXXXXX XXXX
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Made a mobile deposit on XXXX at approximately XXXX XXXX at a citizens bank Driveup atm machine near my home. ATM located at XXXX XXXX XXXX XXXX XXXX PA XXXX. Made a small deposit of XXXX XXXX cash. ATM screen showed my deposit was successful. Arrived home, and accessed my citizens saving account to transfer my recent deposit to another bank. Except this deposit was not appearing. My account balance had not increased. Called the customer service number for citizens bank. Think they have an offshore call center. Was told they were having network issues, and these are being addressed. Give it a pope hours. She was rushing to end the call. It is now XXXX XXXX XXXX XXXX the next day, and my deposit still is not appearing. Account balance has not changed.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: All the documents pertaining to this file have been attached. Citizens unilaterally canceled a loan modification that was fully executed by both parties. They can provide no written notification to cancel the modification as required by their own Addendum to the Loan Modification entitled, 'Notice of No Oral Agreements. ' After a long drawn out back and forth, we agreed to restart the loan modification process with Citizens ' Loss Mitigation Department. The agreement is currently in process. Payments per the agreement have been made in a timely manner. As of today, Citizens has not canceled the Sale Date of the Foreclosure and it remains on the record as XX/XX/2023. We have contaced the Trustee and they informed us that on the date of sale that they would call Citizens to get information on whether they are postponing, canceling, or closing our file. As we have absolutely no trust that Citizens will do as they have agreed upon with us, I would like written confirmation that they are not going to sell our house on XX/XX/2023 while we are in process and following their requirements for the new loan modification. Nothing they have done to date gives us any faith that they are going to meet their own requirements.
Company Response:
State: WA
Zip: 99337
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking and savings accounts online on XX/XX/2023 at Citizens Bank online. I made two online deposits from XXXX XXXX - XXXX deposit of {$500.00} to savings and 1 deposit of {$500.00} to checking on the same date. I got emails saying that my accounts were opened and they have received my deposit transfer request on XX/XX/2023. I have attached these emails. Few days after I received the letter from Citizens bank that my accounts were terminated. It also said if there is a reminding balance, I should be received a check. So I waited for a few weeks and the check was never made it to me. So I checked my bank account on XXXXXXXX XXXX and it was deducted the total {$1000.00} for 2x {$500.00} on XX/XX/2023. So basically my {$1000.00} is missing between these two banks. I reached out to XXXX XXXX and they said the transactions went through successfully on XX/XX/2023 whereas Citizens bank said the transactions were rejected on XX/XX/2023. So I reached out to XXXXXXXX XXXX and Citizens bank. None of them can help me with my missing {$1000.00}. I feel like there is a technical glitch in one of their accounting system or some manual human error in there. So I'm reaching out to you guys to help me with this. I don't know whom I'm filing a complaint against since I don't know who's at fault. I'm filing two same complaints against both parties.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem when making payments
Subissue:
Consumer Complaint: I initiated a personal line of credit with Citizens One and their partnership with the XXXX XXXX XXXX program and was approved on XXXX I immediately setup my account and registered auto-pay using my existing credit union checking account. On XXXX I received a late payment notice via text, and immediately called their customer support. I was directed to the website for payment inquiries ; when I logged in I noted that the auto-pay date had been set to XXXXXXXX ( documented ). As this was not an option for me, it was apparent this was a technical issue on the lender 's end. I attempted to make a manual payment bringing my account current and received an error message ( documented ). On XX/XX/ I called back to their customer support line and received assurances that the issue was on their end and this would not impact my credit. The representative manually corrected the auto-pay draft date and initiated a manual payment for the outstanding balance. I immediately received an email thanking me for my payment ( documented ). On XX/XX/ I received a XXXX credit report notice including negative feedback from Citizen 's One ( documented ). I immediately initiated a dispute as Citizens had made it clear this was an issue on their end. On XXXX I received a response to my dispute, which included that the lender found the feedback as correct and in fact was still delinquent despite the recent payment confirmation. My credit report even showed recent payments of {$0.00} ( documented ). On XX/XX/XXXX I logged into the Citizen 's One website to find my auto-pay draft date had yet again been set to XXXX and I was unable to make manual payments ( documented ). On XX/XX/XXXX I sent a certified letter to Citizen 's One with the above timeline and documented examples of their failure to provide adequate payment systems, and my willingness and desire to keep the account current. They responded that they found the negative credit feedback to be correct, and included the terms and conditions of the loan. I stand by the fact that Citizens One internal systems failures ( as acknowledged on their own recorded lines ) made it impossible to maintain a current payment status using the approved methods they advertised. Their misleading payment confirmation emails and inability to take payment continue to impact my credit history two years later, well after the loan has been paid off.
Company Response:
State: AL
Zip: 36092
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XXXX have XXXX checking accounts and XXXX accounts and a savings account totaling between XXXX monthly. I send checking account ( which is my childrens school account ) has been getting charged fees for XXXX consecutive months. I have called XXXX times to request a refund and fix the problem going forward- all XXXX times they told me the fees will be refunded and the problem is fixed. This has never happened no fees refunded and problem not fixed. Also when I walk in the branch in XXXXXXXX XXXX XXXX They will not help me and tell me to call the XXXX number-
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged XXXX in atm fees in XXXX and XXXX. I called the company and they refused to do anything. I am on social security and can't afford all these fees
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I went in to open a student checking account for my son. I said I wanted to open one for myself too. She did his first and it took awhile for them to figure out how to access his account online. By the time we did mine I forgot to ask about special for {$400.00} for opening a new account. Since she did mine the same time she said it was online only and since now I have an open account with them I dont qualify. This is not acceptable, I just opened it and should have gotten or allowed to get special advertised.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX, Citizen 's Bank and their financial lender, XXXX, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with XXXX ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Received a loan you didn't apply for
Subissue:
Consumer Complaint: I discovered that there is loan under my name which I don't apply for
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A