Date Received: 2016-04-19
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-19
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I had a five year term car note with Citizens Bank. I paid off the loan early, making my final lump sum payment on XXXX XXXX, 2015. It has now been almost 5 months and Citizens Bank still has not issued me the title to that car. Therefore, I have not been able to register the car or sell it, as I do not have the title. Citizens Bank has been giving me the run around and various excuses as to why they have n't sent me the title.
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-18
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: XX/XX/XXXX/XX/XX/XXXX- XXXX XXXX initiates a home refinance for XXXX XXXX XXXX with Citizens Bank . XX/XX/XXXX - Financial information regarding XXXX XXXX XXXX was requested by Citizens Bank for the completion of XXXX XXXX XXXX home refinance. IN THAT REQUEST WERE DOCUMENTS REGARDING THE LOAN AND FINACIAL/PERSONAL INFORMATION OF YOUR BORROWERS- XXXX XXXX explained to Citizens Bank that the property at XXXX XXXX XXXX was not his and he had no claim or responsibility for that property as XXXX XXXX was sole owner of that property. Citizen Bank replied that loan would not be funded without the information. XX/XX/XXXX - XXXX XXXX 's financial information was requested by XXXX XXXX for an unrelated XXXX XXXX matter, he specifically asked for taxes, payment history and insurance. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents for XXXX XXXX XXXX XXXX Citizens Bank so that his financial profile would be complete. XX/XX/XXXX XXXX XXXX of Citizens Bank found the insurance documents to be incomplete for his purposes and contacted XXXX XXXX insurance agent for additional information. He included signed authorization forms from his borrowers, but not XXXX XXXX. XXXX The insurance agent did not provide the information and contacted XXXX XXXX XXXX XXXX her that her information was being used to fund a loan for XXXX XXXX. XX/XX/XXXX - XXXX XXXX contacted XXXX XXXX by phone and email insisting that XXXX XXXX return her documents as she had not authorized any transaction for XXXX XXXX XXXX. She called and emailed XXXX XXXX and XXXX XXXX. I also contacted the Ciitizens Bank general customer support team and filed a complaint. I was escalated to the Citizens Bank immediate response team designated for high priority cases and filed a complaint. I contacted my bank, I filed a police report, I filed an FTC complaint. XX/XX/XXXX - After speaking with several Citizens Bank officials including the branch manager, Citizen Bank ignored my complaints and submitted the loan to XXXX XXXX for funding. XX/XX/XXXX -Citizens Bank admits in writing that they used the fraudulently obtained documents to confirm the financial integrity of XXXX XXXX for the funding of his refinance loan, but determined " I was not harmed '' and dismissed their responsibility in the identity fraud. I give up - I can no longer reason with a company that has no respect for the private information of its people and the people they take advantage of. I have posted all of the documents you have sent me on the web ( including the " request '' for additional information that your agent sent with the actual borrowers ~ name, address, ss #, telephone # etc ... ), the silly letters where you admit you used stolen information, the NUMEROUS notes that had you side stepping the direct question of why you used the information knowing it was stolen and every name of the individuals who I spoke to -- all of it. Several sites have picked it up because I am not the first person who has been a victim of your identity theft.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2016-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-18
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Consumer Complaint: Hello, In the fall of XXXX, I began a XXXX program for XXXX XXXX XXXX at XXXX University. It is a partnership through my company, XXXX XXXX XXXX University XXXX XXXX XXXX. At that time, I applied for a student loan via Citizen 's Bank. I assumed that the loan that I 'd applied for was acceptable for the XXXX program for which I was enrolled. The loan was approved in the amount of {$5400.00} and disbursed to the school. In XXXX XXXX, I began repaying against the balance of the loan to XXXX XXXX. According to Citizen 's Bank, they do not manage the payments, they use a company called XXXX XXXX, to manage any and all payments towards the loan. I made XXXX payments of {$72.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX ( I have email confirmations ). The last payment I made to XXXX XXXX was after I 'd completed the Fall XXXX semester, I 'd received my grades, and applied and received my tuition reimbursement and the payment was made on XXXX/XXXX/XXXX in the amount of {$4300.00} ( I have an email confirmation ). After that payment, I still had a balance of approximately, $ XXXX. In XXXX, I went back to Citizen 's Bank website to apply for the same type of new loan for the XX/XX/XXXX semester. I was approved on XXXX/XXXX/XXXX, again and I thought everything was okay. As XXXX XXXX approached, I found out that the loan was rejected. I could n't understand why. So, I went to check my student account and I noticed that I had a significant balance that included both the fall XXXX and spring XXXX semester, and that did n't seem correct. At that time, I called the school ( XXXX ) and I was told by the school that because I was enrolled less than half-time for the fall, I was n't eligible for the loan that I was approved for and they canceled the loan and sent the loan disbursement amount of {$5400.00} back to Citizen 's Bank. I also found out that I could n't apply for that loan for the spring semester either. At that time, I contacted Citizen 's Bank on XXXX XXXX, XXXX, and I spoke with XXXX. I explained what happend and she transferred me to XXXX ( Citizen 's Bank ) XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX the money that the school sent had not been received. However, at this point XXXX 's XXXX XXXX has received the {$5400.00} back. They also have {$4500.00} of what I 've paid towards this loan before all of this occurred. I 'm very concerned about the amount that I 've paid because neither company will own up to whom would provide me with my refund. I 've explained that I do n't care if they send it back to XXXX ( I 'd prefer for it to go to the school ), but they are not entitled to keep that money. The balance has now shifted to the school, and the delay in receiving this refund is affecting my ability to apply the amount I 'd received from my tuition reimbursement and with other payments to the balance. I 've contacted and notified my financial counselor, Citizen 's Bank, XXXX XXXX and at this point I 've been told by the school that they have n't received anything, Citizen 's Bank XXXX XXXX XXXX, both acknowledge that the loan from XX/XX/XXXX was canceled, that the XXXX sent {$5400.00} back to them and that there is n't a balance on my account. XXXX XXXX, acknowledges that there was an " overage '' on my account that they have sent that back to XXXX since, XXXX sent in the " last payment '' which what the {$5400.00}. I 've contacted XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX and he stated that the refund was processed on XXXX/XXXX/XXXX and that they would have been sent out on XXXX/XXXX/XXXX. XXXX has n't recieved anything as of yet. I 'm concerned, because I recently had a hold on my account because of this and unable to retrieve my grades to apply for my spring tuition reimbursement. I was able to get an exception to access my grades.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2016-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Last mortgage holder did n't pay my property taxes yet deducted them from my escrow
Company Response:
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I own half the house. My father is getting XXXX he 's XXXX yrs old. He goes to the bank and chats with them all the time about finances. The bank tried to get him to get a mortgage instead of keeping his line of credit but since I own half the house they could n't do anything without my signature. Charge him {$500.00} with a guarantee he would get it back. My father says he had no clue it was a mortgage. He thought he was just redoing his line of credit and locking in the lower interest rate. He did n't know they were going to take {$500.00} out of his account for a fee. Then when he asked them about the money they told him he was guaranteed to get it back. I had no clue any of this was going on until they asked me for all my account info copies on the bills I pay. Never told me it was a mortgage. My Dad told me it was for the line of credit so I agreed to give them my info. They also told me he was getting that money back numerous times. My husband built a back edition on the house. XXXX was pushing us to get it done by this deadline. Told me he would add an additional {$20000.00} to the house value. I said great not knowing it was for a mortgage. Still thinking it was for this line of credit. All of a sudden I listen to my answering machine about giving them a check for an additional {$2800.00} for closing cost when they come in and sign. Now they want my parents to go in and sign I find out its for a 15yr. mortgage not a line of credit. My father is XXXX he would be a XXXX til it is paid off. Bank ca n't do anything without my signature. I wo n't give it. Father do n't want a mortgage either. So when I call up and ask where is the {$500.00} XXXX gets nasty on the phone with me and tells me it was basically none of my business and I 'm not the customer and NO we will not get the {$500.00} back. Well yes it was my business when they needed me to sign for a mortgage instead of a line of credit. I own half the house. They did n't realize I owned half for this reason. Trying to get seniors to loose there house. I make sure all the bills are paid including the mortgage.
Company Response:
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-15
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I noticed today that a {$500.00} preauthorized debit was posted to my Citizen 's bank account under " XXXX XXXX ''. I called the bank, and they could n't tell me who got the money but they did say that they used the router numbers to obtain the cash, and that they will conduct a full investigation and that I should call back tomorrow. I know that I absolutely did not authorize any {$500.00} transactions, and I am a little suspicious that the bank would authorize such an amount without knowing who the money was going to. I have checked six months of bill paying online, and every transaction id 's themselves. ; ie ; XXXX, XXXX XXXX, ect..They say I will have to wait until tomorrow to file an unauthorized charge report and of course I will do so, but there is still the {$500.00} missing from my account. Does this seem right?
Company Response:
State: MA
Zip: 01930
Submitted Via: Web
Date Sent: 2016-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Citizens bank promised a {$150.00} bonus for opening the account and completing the requirements. I have completed the requirements many months ago and the bank refused to pay the bonus.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2016-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Citizens Bank ( CFG ) counts it against the bankers if the customers choose to opt out of the debit card coverage. Therefore some bankers encourage their customers to opt in so that their cross sell ratio on new accounts is not negatively effected. If this happens to you, leave. Or just leave now. They do not know what they are doing.
Company Response:
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-12
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I had a Short Sale which closed XXXX/XXXX/2011. There was as XXXX & XXXX mortgage. I paid the XXXX mortgage ( HELOC ) Charter one bank the whole time and never missed a payment. They agreed to settle the debt. They are reporting on my credit that it was delinquent and a Charge off. It should be reporting as Paid as agreed, never late and debt settled*** Not delinquent payments and a Charged off balance still reporting. I even have an email from them promising this would settle the debt to a XXXX balance.This is damaging my credit and causing me financial harm. I am trying to refinancing and can Not because of this.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No