Date Received: 2023-09-06
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I try to open account with bank they told me someone opened account in my name and I couldnt open account and I never banked with company
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Yesterday XX/XX/XXXX I went on the my mobile bank account and was looking at how much money I have, but today XX/XX/XXXX I looked and it was wiped clean with {$0.00} in my account I called they said it was closed and had no history I explained to them over the phone and went to the branch that I have a bank statement saying I make deposits every week at XXXX atm and that I had XXXX in my account and they are saying it was closed and have no records on that saving account I was at work and could not bring them the statements till after work and now they are closed been on the phone for 1 hour trying to get some answers and no one know and no one will help me
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account in XX/XX/2023. I set up semi monthly direct deposit totaling a {$1000.00} per month. It was deposited every pay period through the end of XX/XX/2023. I later found out the bank closed my account between pay periods. They then used this as a rationale to deny a {$300.00} bonus I had earned. The bank closed my account in between pay periods and then open it again with the next direct deposit. I found this policy to be unfair to consumers. Most consumers use their funds in between paychecks. I was not overspending or over drafting the account, I simply used my funds to pay my bills in between pay cycles. I feel penalized for this. I entered into an agreement to open an account with a promotion in good faith and Citizens policies are in a bad faith.
Company Response:
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.CITIZENS ONE XXXXXXXX
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: XXXX : sent student loan account to debt collection agency ; account was sold- balance considerably lower than original amount The original Student Loan Account was " in lieu '' of action/charges against college for falsifying grades for final class grade reports. [ XXXX XXXX XXXX XXXX, New York STATE ] ( XXXX, New York XXXX )
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter in the mail from a debt collection agency referring a credit card I didn't open or know about. I called the credit card company gave them my information and they looked through their system and verified I never had an account with the credit card company.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Citizens pay I just ruined my credit doing a backround check. On the XXXX XXXX page there is an option to pay with financing through citizens pay. For this I must apply to a line of credit. I applied and was approved. Now I try to make the purchase and it says that this payment method does not work. I tried talking to XXXX XXXX and citizens pay and neither one knows how that financing works. It's a complete scam!!!
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I recibe a XXXX diferent email Friday @ XXXX XXXX Saturday @ XXXX XXXX Sunday @ XXXXXXXX XXXX Someone open acaunt w out my consent in citizen bank
Company Response:
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I recently sold a wheelchair that I purchased with my own money on XXXX. A buyer agreed to the purchase price and sent me a check for the cost of the chair plus an additional amount to cover the cost of someone he had who was to pick the large chair up and handle shipping it. The buyer said it would be easier to do it this way because he knew the picker and it would be easier for me because I would not have to arrange shipping. Im a quadriplegic, so this sounded good. I deposited the {$3500.00} check and waited for citizens bank to clear the check and make the money available in my account. AFTER CITIZENS cleared the check, I paid the picker a person named XXXX XXXX {$2500.00} to schedule a pickup and handle the shipping of the XXXX. After I sent {$2500.00} via XXXX, conversation with the buyer got weird and I got very suspicious ( I have records of all conversations ). Out of an abundance of caution I called citizens around XXXX. Citizens said the situation sounded off, but said that the check cleared and my account appeared safe. This was a recorded conversation. Despite this, I still felt uneasy, so I looked at the original {$3500.00} check that I had remotely deposited on Thursday XX/XX/31. I looked up the routing number and called the bank associated with the check account, XXXX XXXX. They couldnt tell me much, but they did say that it sounded like fraud and told me that there was a good chance the {$3500.00} would be returned, thereby stripping it from my checking account! In this scenario I would lose the {$2500.00} I XXXX. Concerned, I looked up the XXXX XXXX XXXXXXXX XXXX, a XXXX XXXX company which was the name listed as the payer I spoke with the CFO XXXX. She knew right away, I had been scammed. She said for the last month someone had been using their company to defraud people. XXXX said that the money was not coming from their account, instead it was just their company name being used. So I dont know where the money was coming from specifically, accept that it was associated with XXXX XXXX . Obviously I was extremely concerned. I cant afford to lose {$2500.00}. As a quadriplegic, my resources are limited. So I again continue with my due diligence. I called Citizens Bank again in attempt to proactively resolve the issue. I spoke with Fraud and Claims and explained the situation. They basically told me that there was nothing they could do!!!! I explained that I had done the due diligence that I believe was Citizens fiduciary responsibility! How can I be punished after Citizens failed to verify the source and status of the check? And even more infuriating, now that I had uncovered a fraudulent scheme that has been ripping people off for the past month, citizens says there is nothing they can do! ( XXXX from XXXX XXXX XXXXXXXX said that it has been going on for a month ). So Citizens told me that there is nothing I can do. I asked if I could file a claim proactively, I told them I would not have money for mortgage payments, I begged them to help me. Citizens told me there was nothing they could do. I had to wait till the {$3500.00} check was returned, meaning I would lose the {$2500.00} I sent via XXXX, then I could file a claim, but that Citizens probably would not reimburse me!!! I explained that Citizens was at fault, they should not have cleared the check. Finally, I asked what would happen if I moved the money in my account to another bank to protect my money. Citizens told me that I would be charged an overdraft fee!!!! This is completely ridiculous. A billion dollar bank, at fault for clearing a fraudulent check, is going to punish me?! Over {$2500.00}? I have records and documents to prove the validity of all these statements. I am desperately in need of the money, I can not afford to lose {$2500.00}. I hope you can help me.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This agency provided obscured documents and seems to have reported inaccurate information to the credit agency about my identity.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A