Date Received: 2015-07-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid in full not settled a account for Citizens bank in 2012. I then received from the IRS a tax audit for a cancellation of debt from Citizens bank which I actually never settled paid in full and as I look closer looks like I paid more than what the debt was for and I continue to receive as of this month collection letters from collection companies the latest was XXXX. I have called sent letters I do not know what else I can to to protect myself.
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have a Circle Gold account at Citizens bank. This is their product that provides " free checking by keeping a monthly combined balance above {$20000.00}. Eligible balances include most deposit, loan and investment account ''. Since I have my mortgage with Citizens I have qualified for free checking on all my associated checking accounts. In XXXX of 2014, I noticed a service charge for 5 months ( {$100.00} ) on one of my accounts. I went into the branch and was told that the bank had just updated to a new system and that they were finding glitches. They refunded the {$100.00}. I asked that they please make sure all my other accounts were not being charged. One of the checking accounts associated with this Circle Gold account is my XXXX daughter. She came home this summer and asked what the {$20.00} fee on her checking account was. After investigating I discovered that she had been charged a {$20.00} service fee from XXXX 2014 to the present month ; XXXX 2015 a total of {$360.00}. I called the bank and they told me that I only had 90 days to dispute a charge, and would waive that for an additional month 'because " I was a good customer '' and refund {$80.00} of those fees. After some discussion with the branch office in XXXX, MA, I was directed to the Regional Manager of Citizens Bank ; XXXX XXXX who explained that my " contract '' said I had 90 days to dispute a change and there was nothing he could do about it. I signed up for FREE checking - my accounts have been eligible for FREE checking during this entire time. What part of my " contract '' with XXXX is enforceable - the one that I get free checking? Or the one were I have 90 days to dispute a charge even if the charge was a bank charge that should not have ever been applied AND was applied due to an admitted fault in their system?
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Mortgage company requested confirmation of insurance. This were supplied multiple times without acknowledgement. We attempted to call multiple times without being able to access a person and without finding a solution in their electronic system. Mortgage provider is now charging us {$640.00} to provide us insurance despite the fact we have demonstrated proof of insurance. We have again faxed and called without result. We want to avoid an unnecessary charges and are looking for assistance.
Company Response:
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-23
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Opened a checking account in XX/XX/XXXX at Citizens Bank in XXXX Pa at which i told the Manger that i may own the bank money for a old account because i was part of law suit in which i was refund money for over draft fee so the manger checked and said i owed nothing to the bank and she opened the account then on XXXX/XXXX/15 the bank took XXXX from my account with out letting me know in doing so they could me great financial stress i am a XXXX vet on a fixed income my Account number XXXX
Company Response:
State: PA
Zip: 15650
Submitted Via: Web
Date Sent: 2015-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-21
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: 1 ) At the XXXX time home buyer class, I was told that the One-mortgage ( Also known as the XXXX loan ) is the program that helps people who can not buy home due to the down payment burden. 2 ) During the home loan application process with Citizens bank, several times, I was advised that my wife would need to consolidate her education loan with Citizens bank. On XXXX, I found that my wife could get education loan ( income based ) refinance ( payment adjustment ) through the department of education and she applied it instantly. Frankly, In my mind, this words came up to me, " Why they ( Citizens bank ) did not reveal that my wife could adjust the federal education loan payment through the department of education? '' This must be clarified and there must not be any person who loses the chance to lower the monthly payment through the department of education before getting student loan refinance from Citizens bank. 3 ) When it comes to the maximum amount for the home mortgage ( XXXX mortgage ) at Citizens bank, I was told many different maximum amount that I can borrow. At the last conversation ( last week ) over E-mail with Citizens bank, it was around {$200000.00} ( without downpay ) with my own credit application ( not including my wife ). After I mentioned that my wife applied for the refinance of her student loan from the department of education, the mortgage officer ( NMLS # XXXX ) kept changing my income standard and finally I was not able to have any tangible pre-approval certificate as of now ( XXXX ). The supervisor ( NMLS # XXXX ) introduced by the mortgage officer keep replying " Thank you '' over the E-mail without any responsible reaction. Thank you. XXXX XXXX
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2015-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-17
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2015-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-19
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Failure to disclose investments. related cases are XXXX, XXXX, XXXX. " I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX. Citizens Bank ( formerly XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in 1979 and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of 1979 at XXXX XXXX XXXX in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX XXXX XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-16
Issue: Delinquent account
Subissue:
Consumer Complaint: Told Associate that my employer does not allow collection calls on my business phone. They said they would note that in my record and then proceed to continue with the call as if I said nothing. I hung up.
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2015-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-15
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: Citizens One Auto Finance which is my lender has been charging late fees, stating they did n't receive payments for certain months. Or stating they received partial payments and reporting falsely to our, ( my husband and I, joint account ) credit bureaus. We have sent them bank receipts, We have told them we did n't make payment amounts they have us down as making or the dates they have recorded for us. THEY said we have contacted them 8 times and the matter is closed. They sent someone else information to us once. THEY have missing payments on history list, they have sent us. We have sent bank receipts for these missing payments and asked where is the money we paid to them. They just said their records do n't match ours and that the matter has concluded and is closed. {$480.00} is due by the XXXX of each month. We also have a XXXX day grace period before late fees are due. We always send payment by XXXX of month in amount of {$500.00}.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2015-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No