Date Received: 2015-07-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On XXXX XXXX, CCO decided after my mortgage was paid in full to make the next quarters tax payment XXXX XXXX in XXXX 2015 XXXX from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed {$730.00}. My town XXXX XXXX RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back to CCO. CCO can not find the payment and claims to be investigating. Its been almost XXXX days since my home was sold. They are violating laws by now returning my excess escrow funds.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-06
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Re : Citizens Bank, XXXX XXXX, Ct. Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-02
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2015-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-01
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: HELLO, MY name is XXXX XXXX XXXXI live in Massachusetts. I am hereby filing my Complaint against XXXX banks. 1.XXXX 2, Citizens bank 3. XXXX XXXX XXXX. These bank 's I have done business in the past and they refuse to open an accountwith me because td is now showing overdrafts fee 's in which they charge in excess. They have reported me to the XXXX in which I want my name removed. I feel im entitled to have a bank account without this hassle. I owe no fees 's with Citizens or XXXX XXXX XXXX. If i want to open somewhere else i need to get this matter resolved. These banks are in massachusettsSincerely yours, XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2015-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-01
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2015-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: a wire transfer of funds was sent from my account on XXXX/XXXX/2015 ( thru citizens bank ) to XXXX for rental of a condo at XXXX in XXXX fl.a day after I discovered it was a scam and went to citizens bank and had the wire cancelled or reversed on XXXX/XXXX/2015. the scamer sent an e-mail on Friday XXXX/XXXX/2015 to tell me his bank told him funds would not be available until Monday XX/XX/2015.since I cancelled before XXXX/XXXX/2015 and citizens wire contract states that I have until XXXX/XXXX/2015 to cancel, why was n't it stopped. what are my rights.i have n't heard anything from citizens bank.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2015-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-30
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We took an equity line with Citizens Bank in XX/XX/XXXX. After a long process to get this loan we signed the paperwork in XX/XX/XXXX. We then used the money to pay contractors to do some work on our home. The paperwork was " lost '', " not processed '' or just misplaced and we had to duplicate some of this paperwork for months after the loan was originated. The payment set up was incomplete which caused headaches and late charges which after a full year the bank realized their errors and reversed all those charges and cleaned the record. In XX/XX/XXXX I refinanced my home and closed the equity line. Unbeknownst to me or my wife was that Citizens slipped a line in the documents to charge {$350.00} for early termination of the equity line if closed within three years. I only found this out when I received a statement showing my payment for this. They also charge us a yearly fee to have the loan " open '' which they did not prorate for the 4 months we did not use. I have complained to the bank about this and that the loan officer did not explain this fee prior to the loan being opened. On top of this they also charged {$25.00} for a fax to get the payoff of the loan. The bank refuses to give a refund for the {$350.00} or the prorated fee for the loan or the {$25.00} for a fax fee that was also never discussed. {$25.00} for a fax seems a bit high, almost a price gouging situation. The bank personnel have told me they would return calls several times within 24-48 hours and yet have taken over a week on each occasion to reply to me with the same negative response about reimbursing my fees that were paid. Had I been aware of the {$350.00} fee I could have kept the loan " open '' until XXXX with a minimum balance to avoid these fees. I was not given that opportunity to do this and the statement I received was weeks after the payment was made making this situation even that much more frustrating.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2015-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-30
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In XX/XX/XXXX, I mortgaged a building loan through XXXX XXXX and paid off Citizens Bank in full. In XX/XX/XXXX I canceled any and all accounts with Citizens Bank. In XXXX I began receiving bills for fee 's from Citizens. I return their letters stating that I did not have any accounts with their bank. in XX/XX/XXXX, the reason for the statements was clarified with XXXX Bank. They had used a very old payment option and citizens was the bank that was listed. All settled immediately with XXXX and I phoned Citizens asking them why there were charges when there was no account. in XX/XX/XXXX, I asked XXXX to help me deal with Citizens who were beyond awful into abuse, harassment and simply impossible to deal with. XXXX did and the issue was resolved with letter supposedly stating so. A few weeks ago, new charges and new people and the issue was not resolved apparently ; although no one can tell me what who or why. I faxed faxed the letter to the Office of the Chairman and then received another letter stating that the fax did n't arrive in a timely manner ( I did explain that I was XXXX miles from a fax machine and was on way to XXXX New Hampshire for meetings and was now late having taken the call from the bank. The XXXX of this is horrible enough to loosesleep and make me stomach sick. the time and energy has been enormous. I truly want to file a complaint and if possible press charges for abuse and harassment.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2015-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Citizens Bank unlawful withdrew money from checking account without remission. When confronted with problem citizens says it was the merchant problem merchant has no record of transactions. Citizens refuse number of times to explain their action on phone or correspondance to customer request.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2015-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I walked into Citizen Bank in XXXX Massachusetts to open a checking account. The assistant Manager XXXX who was helping to open the account interviewed me about other things including whether I had a business or not. When I confirmed I had recently XXXX is like all XXXX broke loose. She could not let me live. She convinced me to open a business and Payroll account, immediately called a XXXX XXXX from XXXX and arranged a meeting a few days after. I explained to XXXX a few days later in the bank premises that it was a new company and did not know whether I needed payroll services or not. XXXX promised to charge me only {$50.00} to process for XXXX employees. I was also asked if I was if I had any retirement arrangements which I said I did not have. They said they will send somebody to sign me up. Everything started off well until around XX/XX/XXXX when everything seemed to go very bad. What was supposed to be {$50.00} dollar charge for preparing for me XXXX checks turned out to be very costly. XXXX will take from my account more money than what I was paying my staff and could not understand. I went to the bank to complain to XXXX asking her to stop the payments. She advised me to call them ask them to stop the service. This I did in XX/XX/XXXX but they never stopped going into my account until end of XX/XX/XXXX. In the process they overdrew and caused a lot of charges on my accounts. At one point Citizen bank took money from my Business account and transferred to the Payroll account. As for the XXXX, I was signed up ( In all cases I was signing through the signature pads. Only there relying on what I was being told. When I inquired about the fees for the XXXX, is when I realized they were signing me up as a company. The fees was much higher that what my contributions would be. This was an obvious case of misunderstanding, and asked them to cancel immediately. This arrangement was never cancelled and they repeatedly went into my account causing it to overdraw. I do not understand the connection between, Citizen Bank and XXXX but was very surprised at how the bank campaigned for them and how unprofessional XXXX handled me. I signed signature pads, therefore relying on what they told me. Turned everything was wrong. The XXXX was worse because I said It was a clear case of misunderstanding and yet they went ahead to try getting money from my account. The result is that now I am in collection with both Citizen Bank and XXXX trying to collect money from me. At one point I asked XXXX why she was so involved in the XXXX business. Her answer was that she is under a lot of pressure to get to her targets. It was as if all other managers had no targets at all.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No