Date Received: 2016-04-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mother died, left her home to us and had a home equity loan on our XXXX home not sure what to do have been trying to save home and need help. What to work with bank on finding a buyer or being about to rent out home which could pay back loan. I only have XXXX income for a family of XXXX in New Mexico with trying to stable ourself, we still have family items in home was unable to remove in 2014.
Company Response:
State: NM
Zip: 88005
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I opened a new bank account with Citizens Bank back in XXXX. On XXXX XXXX, XXXX they debited {$400.00} from my account, leaving me with only {$110.00}. I had bills and other things scheduled to come out of my account. I called to find out what it was and they told me that it was a charge off account from XXXX. I have never had an account with Citizens before. The XXXX number customer service, was not very helpful. In fact they were very rude. I was very upset about the whole situation. They told me there was nothing they could do and i could go into the branch and file a complaint/dispute. I went into the branch and found that Citizens had bought out Charter One. Back in XXXX, I would have a balance left owed to Charter One. Since opening the new account, i have not received XXXX notification, phone call or letter stating I had a charged off account with them and they were going to automatically debit my account. I wasnt even offered a chance to make payment arrangements. I understand it is my debt from 9 years ago and it something I owe. However, i feel its very deceptive to allow someone to open an account and then 4 months later without any warning or notice debit {$400.00}. I did file a dispute on XXXX XXXX, XXXX and still have not heard back about it. In resolution, i would like my money back and then set up payment arrangements. I had to borrow funds to make sure my bills were paid and i was not going to miss those payments.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Most recently I have been notified by all three credit bureaus XXXX, XXXX, and XXXX, that a major derogatory event has been reported on my credit files by Citizen 's Bank. Citizen 's Bank is reporting that I am 120 days past due on an item believed to be associated with a line of credit I was unable to open due to having been denied a request for the line of credit in question by Citizen 's Bank. During the time of a refinance of a student loan ( XX/XX/2015 ) it was mandatory a checking account be opened ; therefore, I complied by opening the checking account. I made a request for an overdraft line of protection in the form of a line of credit for this account over the phone, but it was denied due to my credit not being strong enough to support an unsecured line of credit. I applied by speaking with XXXX ( over the phone ) in the XXXX branch, she informed me ( over the phone ) I had been denied this line of credit. It is my understanding Citizen 's Bank records all of of it 's telephone calls, so it should be very easy to verify this conversation and this matter should be over immediately. At the time of opening the checking account no other request was made to open a line of credit other than what the bank offers as a courtesy at their discretion, and no overdraft protection was ever extended. In addition, my spouse who did not in any way apply or consent to the opening of this line of credit ( also a signatory on the checking account ) is also being penalized with 120 day past due entries on all of her credit files as well. We have contacted Citizen 's Bank at least fifty times and have had numerous conversations regarding this matter. We have been promised an investigation during which time any account activity including reporting to any outside agency would be placed on hold until the investigation was complete. This negative reporting began several months ago despite our numerous calls and conversations promising us this would not happen while the matter was being investigated. We know the line of credit is invalid due to me having been denied for the line of credit, and my spouse never having applied or consented to a line this credit. This matter has become extraordinarily damaging to both of our credit profiles with all three agencies all the while we are being given the run around and every excuse imaginable by Citizen 's Bank. To sum this up : Several months ago when it was first discovered there may have been a problem with the checking account in question, it was promptly closed with a positive balance per Citizen 's Bank, again over the phone on a recorded line. Multiple calls were placed to the branch, customer service, collections, the Chairman 's office etc ... to clarify the following facts : I personally, was denied the overdraft line of credit protection for the checking account and my spouse never applied or consented to an overdraft line of credit in any way shape or form. This is such a simple matter, yet Citizen 's Bank will not cooperate with us, they are engaging in nothing but egregious behavior hurting my spouse and I substantially over a line of credit I was denied for and my spouse never consented to. Citizen 's Bank will not stand by their word when we speak to them, they say one thing then do another. They are only interested in inflicting as much financial harm upon us as they possibly can over a line of credit that was never legally, formally, properly, opened or consented / agreed to. Apparently Citizen 's Bank will not admit they are wrong and would prefer to destroy a consumer 's credit profile and life rather than work with the consumer in an ethical consistent manner. The credit bureaus are guilty as well since they will not listen to us and continue their negative reporting regardless of how strong a case we have presented to each agency. Please help us end this unethical, illegal, nightmare.
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2016-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Good Morning, I have submitted a claim number XXXX, which CCO mortgage did nothing to answer. My complaint has XXXX issues. 1 ) My house was incorrectly appraised in XX/XX/XXXX. This is obvious by their appraisal in XX/XX/XXXX and again in XX/XX/XXXX. My house dropped by XXXX %, but my area dropped by XXXX-XXXX %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? CCO mortgage please and answer these XXXX complaints.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2016-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: My credit card information was compromised and my card was cancelled. I went into my card 's site and there was nothing to indicate that. I called and was told what had happened. My complaint is twofold : 1. there should be a special statement used when your card is declined so it is clear that it is not your fault. It was embarrassing and not the way to treat a customer who pays in full and on time every month. 2. My credit card company will not or can not tell me the name of the retailer. I feel that I am more than entitled to know what company failed to protect my information.
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-27
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: After several attempts to resolve a credit denial based on erroneous information I remain frustrated with the FCPB, XXXX, Citizens Bank, and XXXX XXXX stores so I am attempting yet again to correct this situation. 1. XXXX XXXX stores employees are not trained in sales of financial products such as the Citizens Loans associated with the XXXX XXXX Upgrade Program. After discussing the situation with the manager of the XXXX XXXX XXXX on XXXX XXXX in XXXX PA he recognized the need for further training for XXXX employees as they were not providing customers with factual information regarding the financing associated with the upgrade program. He also admitted that the way the information was provided for credit checks did not give customers a way to ensure the employee was providing the correct information. All information with the exception of the social security number was input onto a handheld device by the employee so errors could easily occur. Moreover the customer did input the social security number but is unable to verify correct input as the numbers were all starred out to protect the customer. So XXXX is not describing the financial product correctly and input is easily erroneous. Denial by Citizens Bank was based on information from XXXX that is nowhere to be found on my XXXX credit report as none of the reasons ( garnishment, attachment, foreclosure, repossession, judgement or collection ) for denial provided have ever happened to me and do not appear on the credit report provided to me. Thus either XXXX is not providing me with my correct and valid credit report or Citizens Bank has given them incorrect information to run credit check or just refusing to admit to errors. Moreover XXXX does not provide a way to dispute this credit check because I did authorize it. But XXXX will not help with correcting the information provided to Citizens Bank. To sum up I am filing complaints against : 1. XXXX XXXX XXXX for failure to train employees is sales of financial products such as personal loans and allowing customers to verify the information provided as correct. 2. Citizens Bank for refusing to investigate their errors in processing my application either with XXXX XXXX, Citizens One Employees or XXXX. 3. XXXX refusal to investigate how Citizens One Bank was provided this erroneous information or provide me with the credit history that has the incorrect information for dispute. As of XXXX XXXX my XXXX Credit Score is excellent at XXXX with no public records ( garnishments, foreclosures, attachments, repossessions or attachments ) on the report. I have worked very diligently to keep my credit rating as excellent and I do not wish to have this error remain on my history. Thank You for your help with this matter. XXXX XXXX XXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-25
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-21
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Around XXXX XXXX, my boyfriend and I opened accounts at Citizens Bank ( CB ). Everything was going smoothly until this past Friday, XXXX XXXX, XXXX when I saw that a {$300.00} debit was made to XXXX account and a {$280.00} debit was made to another. I called CB that same day to report that someone ( to my knowledge ) had illegally taken money out of my account. Citizens informed me that they did n't know what the problem was and to call back on Monday when their computer system could tell them more. I call today ( XXXX/XXXX/XXXX ) and CB told me that the " debit '' was done by CB due to an account that I had with them in XX/XX/XXXX that was overdrawn. Citizens took this money without warning, my consent or knowledge. That was almost my entire 2-week paycheck. I am single mother, working part-time and my paycheck goes to paying my car note to get to/from work, daycare and other living expenses and this " debit '' has severely hindered my paying my bills. If in fact I did/do owe CB this money, when these accounts were opened CB should have, at that time, informed me of such and allowed me to re-pay them or not have allowed me to open the accounts at all. I assume that when they took my social security number, at the time of opening the accounts, they could have looked into whether I had accounts with them in the past and informed me accordingly. I feel as though they allowed me to open these accounts under false pretenses in order to be able to " debit '' my account for past monies due when it suited them. Please help me to get my money back. Thank you.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2016-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-18
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I was added to my uncle account due to his in availability to collect his rent in XXXX, so that when rent is collected I can pay it into his account. Someone else has assume such responsibility and I would like my name taking off the account, only to be told that I am responsible for a credit loan that was given to him prior to them adding my name to the account. I am being asked to pay the balance of the loan of XXXX and also affecting my credit score. I have my own account with citizens bank and I dont want to be associated with the joint account anymore.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2016-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-17
Issue: Balance transfer
Subissue:
Consumer Complaint: I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No