Date Received: 2015-07-15
Issue: Getting a loan
Subissue: Can't qualify for a loan
Consumer Complaint: Citizen 's Bank turned my daughter down for a student loan and I her father was turned down as a co-signer. I have an excellent reputation with the Parent Plus Federal Loan and any other current loans. I receive government subsides to carry forth my life. I explained to Citizen 's Bank at great length ( included ) that I am in the process of disputing claims against my credit by XXXX, XXXX, and XXXX XXXX. I have already erased one of these blemishes. Unfortunately, only XXXX XXXX has responded ( with a copy of my credit report ) to the legal firm representing me ( XXXX XXXX included ). I feel that the fact that this is a loan for my daughter, who has an excellent grade point average, a job in the XXXX field ( her major in college at XXXX University ). My daughter being a young women needs a chance to display her ability to enter into a contract, I feel the bank has not considered this. Her father has an excellent " A '' rating with all credit reporting agencies in repayment history. I do n't understand why the federal government has no problem understanding the hardships my family has been through ( a XXXX divorce - XXXX years ) and the bank fails to understand that the debt belongs to my ex-wife. I have shown with the enclosed information that I take my credit history seriously and paid any and all creditors whether it was incurred by me or not during my marriage. The bank I feel has been prejudical toward my daughter and myself by taking the side of creditors that they do n't even know the history of. Everybody in this world deserves a chance to succeed. In these hard economic times, the government bailed banks out with tax payers money, now this tax payer is now asking the bank to help him out. We entered into a contract with the federal government and they felt my credit was fine. We are prepared to enter into a contract with the bank and in recent years through this divorce both my daughter and I have shown that we pay our debts. I feel that this bank has acted discriminatory without reason. Anybody in the public domain understands that these credit reporting agencies are not public friendly. We hope that you can help in obtaining in the loan so that my daughter can continue her studies.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2015-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Over a XXXX month period I made additional payments to my mortgage that were supposed to be applied to principal. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXon XX/XX/XXXX I was charged the interest due in XX/XX/XXXX that would have been significantly reduced by the principal payment had it been properly applied. on XX/XX/XXXX both payments were applied to principal. on XX/XX/XXXX the additional principal was applied as a XX/XX/XXXX payment and I was charged for XX/XX/XXXX 's interest again XXXX days prior to the interest even being due. When we discovered this issue we requested a correct to the account. CCO Mortgage has repeated changed the account always placing the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal after all the interest is calculated. It is now XXXX and I had an approved automatic payment removed from my Checking account that was lumped in with the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal in an attempt to correct the Mortgage payments. CCO is now claiming my XX/XX/XXXX payment is late even though it is clearly been paid. I have XXXX been overcharged for interest. They have XXXX attempted to fix the account but even though they are supposedly banking professionals they continually apply principal payments after they calculate interest in a clear attempt to overcharge me. Payment History:XX/XX/XXXX - Normal Payment ( Principal, Interest Escrow ) XX/XX/XXXX - Additional Payment of {$5000.00} applied by CCO Mortgage as the XX/XX/XXXX payment. XX/XX/XXXX - Normal Payment applied as XXXX - Additional {$5000.00} payment applied as XXXX - Normal XX/XX/XXXX Payment. XX/XX/XXXX - Additional {$5000.00} applied as the XXXX payment by CCO Mortgage. XX/XX/XXXX - Initial call to correct the account payments. XX/XX/XXXX - XX/XX/XXXX Multiple attempts by CCO to correct the payments always charging more and more interest with each attempt to correct because they continually apply the principal payments after they calculate each months interest. XX/XX/XXXX - Normal payment taken out of Checking account but applied as Principal. XX/XX/XXXX - Called CCO Mortgage with an attempt to fix the missing XX/XX/XXXX payment that was lumped in with the attempts by CCO to correct the account. XX/XX/XXXX - Late payment notice issued by CCO Mortgage requesting immediate payment for XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2015-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: CItizens Bank NA was the defendant in a Class Action Lawsuit several years ago https : //www.citizensoverdraftsettlement.com/The short story on the case is : Citizens was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " XXXX Party '' collection agency ( XXXX XXXX XXXX XXXX ) who now appears on all XXXX of my credit reports.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-13
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I sold my house and closing took place on XXXX/XXXX/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on XXXX/XXXX/15. XXXX calls and XXXX different answers, where the last person said they were n't even sure if it went out. Received documents dated XXXX/XXXX/15 saying my loan was paid and closed. It is now XXXX/XXXX/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a supervisor. They refused to send the affidavit prior to 30 days after the alleged issuance of the check even though it clearly was not going to be received.
Company Response:
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.
Company Response:
State: VA
Zip: 24151
Submitted Via: Web
Date Sent: 2015-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-10
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Sometime between XX/XX/XXXX and XX/XX/2015, Citizens Bank switched our checking account from Circle Checking to Premier Checking without our knowledge or authorization. The new type of account has a monthly fee, so Citizens Bank assessed a $ XXXX monthly fee from our account. I called " XXXX '' at XXXX who assured me that he would rebate the money and switch us back. He rebated the {$25.00} but the next month, Citizens Bank assessed the {$25.00} fee and we were still in Premier Checking. I called XXXX again, and again he promised to remove the fee and switch us back. Even he called this practice " unacceptable. '' I want something in writing to confirm this and say it will NEVER happen again. I also want to file charges that the bank attempted to steal our money. This is not the first time Citizens Bank has stolen money from us. Citizens Bank took our $ XXXX insurance check from XXXX XXXX and deposited it into an escrow account and denied us access to it. Our mortgage agreement with XXXX did not allow this practice. We had to refinance our loan with XXXX XXXX in order to get that money back. During that process, Citizens Bank broke the PA State Law by denying us a written payoff amount, thus thwarting our attempt to refinance with another bank. We had to threaten our local branch with criminal charges in order to get the payoff amount. I want to know why Citizens Bank is allowed to flagrantly break the law, steal money from its customers, and change its policies arbitrarily. Please tell me that you will police this bank and enforce the law.
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2015-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2015-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-08
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I wrote a check ( # XXXX ) for {$330.00} to Ask XXXX XXXX, XXXX, on XXXX XXXX, 2015 from my checking account with XXXX XXXX XXXX, which is based in Massachusetts. There was a delay in cashing the check and it was returned due to insufficient funds on XXXX XXXX, 2015. On XXXX XXXX, 2015, the check was redeposited and a returned check fee of {$50.00} was debited from my checking account. This was done by a collection agency associated with Citizens Bank. In addition to this fee, my bank charged me a return check fee of {$15.00} and Citizens Bank charged Ask XXXX XXXX {$20.00} as a returned check fee. That is a total of {$85.00} I paid for XXXX check returned due to insufficient funds. The check cleared when it was redeposited by the collection agency on XXXX/XXXX/2015 and the person I wrote the check to did not receive the funds into his bank account at Citizens Bank for more that XXXX days. He tried speaking with customer service at Citizens Bank yesterday, XXXX/XXXX/2015 and received no satisfaction. He reported that he was closing that bank account due to his frustrations.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: In XXXX Citizens Bank profited by securing a loan using stolen documents. I am the victim of that fraud. Specifically : In XX/XX/XXXX, Citizens Bank accepted fraudulently obtained documents for a loan application from XXXX XXXX in order to secure financing for his property in XXXX, New York. Part of XXXX XXXX 's financial obligations included an outstanding loan on an unrelated property of which he has no ownership or rights. Citizens Bank requested payment history, proof of insurance coverage and tax information regarding this property. However, in communication with Citizens Bank, XXXX XXXX asserted : '' I am named on the **** Via XXXX mortgage, but I do not have any interest in the property itself. My ex-wife resides there and has been making the mortgage payments as well as the insurance and property tax payments, since XX/XX/XXXX. I have no obligation to make mortgage payments, nor property taxes or insurance for this property. " XXXX XXXX XXXX does not own the property and has not owned the property since XX/XX/XXXX. He is not on the deed, or the tax roll, or the insurance policy. Citizens Bank responded : In reference to the property XXXX XXXX XXXX ; because you still own this property we need taxes and insurance bill for this property to document what the full payment is. XXXX XXXX requested documents including the above mentioned documents from me as part of an unrelated XXXX XXXX XXXX. He then took the specific documents needed for his loan and submitted them to Citizens Bank for use in his loan application. Once I became aware of the submission of my private financial information for use by Citizens Bank to complete XXXX XXXX 's loan, I contacted Citizens Bank to protest the use of said information. I initially spoke with : XXXX XXXX XXXX made it clear in writing and conversation ( PRIOR TO LOAN FUNDING ) that under no circumstances was my information to be used for the financial processes of either Citizens Bank or XXXX XXXX. Despite my protests the loan was eventually funded using the stolen documents. Ultimately, this complaint was escalated to the Office of the Chairman. All of the confirming information was provided to : XXXX XXXX - Office of the ChairmanHis response was : " the information provided does not negatively impact you financially. " My response : ( 1 ) The information was not provided, it was stolen, ( 2 ) Is it Citizens Bank 's policy to knowingly use stolen documents in loan transactions as long as Citizens Bank determines that fraud victims are " not negatively impact financially ''? ( 3 ) Citizens Bank gained financially - they do n't get to determine that their bad acts had no financial consequences on victims of their actions. Because of Citizens Bank complicity in the use of stolen documents, I have asked for a third party to mediate this dispute. Citizens Bank has claimed in communication that they accepted the documents in good faith. While I am unaware of the veracity of their claim, I do know : They were notified in writing and conversation that the documents were stolen-well in advance of funding the loan. They violated their own policy by not having " buyers authorization forms '' signed by meXXXX or Citizens Bank customer can not ever give permission to use someone else 's financial documents in a loan application. Citizens Bank has offered credit services for their part in the fraud. I spoke with XXXX XXXX, who offered a settlement of credit services for five years. I said that I did n't want a token offer of credit services. My home, my loan, my tax information and my home insurance information was compromised. I want asset protection in the form of title insurance. I want my lawyers ' fees covered and I want to be compensated for my time.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Last year CCO mortgage who holds a XXXX on my house of less than XXXX on a house valued well over XXXX, purchased flood insurance at {$600.00} a month and charged it to my account. I already had flood insurance at {$300.00} a year and yet they refused to refund the {$600.00} to my account. Those actions make them fraudulent and unethical in my opinion and those are the exact words I put on all my bills that I pay for. Last month they decided to start harassing me by placing me on a " courtesy call '' list. My credit is well north of XXXX and I have never had a late payment to them or to any other institution. Despite this fact I am receiving daily phone calls that begin on the XXXX of each month for a bill that is due on the XXXX but not late until the XXXX. The ONLY reason for them to do this is to harass me. I have told them to stop and yet they still continue to do so. What are my rights and who can protect me from this unwarranted harassment?
Company Response:
State: OR
Zip: 97338
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes