Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I used to have a personal checking account with XXXX. That account has been dormant for several years, with a {$0.00} balance. Last year, Citizens Bank acquired some of XXXX 's business, which resulted in Citizens Bank taking over management of this checking account. Unbeknownst to me, once this checking account was transferred to Citizens, they started charging account maintenance fees on the account. Since the account had a XXXX balance, this resulted in a charge to a personal line of credit which was linked to the checking account for overdraft protection. I became aware of this situation in the middle of 2022, when I received notices that the account was past due. I called Citizens, explained that I had never opted in to doing business with them, never agreed to their fee structure, and wanted to close my account, and have all fees waived or refunded. I had several calls with their customer support organization, but finally convinced them to waive the fees, and close the account. At this point, I thought the problem was over. I was wrong. My wife is currently trying to start her own business. As part of this process, she has been applying for business credit cards, and having a difficult time doing so. When she finally received a notice explaining that she was denied a credit card, along with the explanation, we noticed that the our credit report has a 30- and 60-day delinquent payment notice. This surprised us, since we have never missed a credit-card or loan payment of any kind, and prior to 2022, had excellent credit ( XXXX score of XXXX ). After inspecting our credit report further, I noticed that the reporting financial institution was Citizens Bank. At first I was confused, since we've never signed up for any credit cards or loan products from Citizens. But then I remembered the quagmire I was thrust into in 2022. So, this month, I've spent many hours trying to contact Citizens Bank to resolve this issue. I've talked to at least XXXX different branches of their customer service ( banking support, credit support, asset recovery support ). None of them have been willing and able to help me, and always redirect me to someone else.
Company Response:
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: Initially paid off loan to Citizen Bank on XX/XX/2023 for the amount of XXXX. The posted fees and accrued interest that I was not made aware of. The account went delinquent for 120 days. When I realized it, I immediately paid it off. When applying for a new mortgage the issue came up and now I can not obtain a secured mortgage thus make the interest rate out of control. My credit score also dropped from close to 800 to the mid 600s. I have never missed a payment on any loan I have secured including to Citizens Bank. This is potentially preventing a move to a new school district in order to obtain better services for a child that needs them. Citizens Bank has refused to work with me and told me that no info will be provided with 30 days from the dispute which was placed on XX/XX/XXXX.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, I found citizens bank business checking promotion online. Please see the link. https : XXXX. Citizens bank had a promotion to open a business checking account at that time. earn a {$500.00} bonus, open your first new Business Advisor Checking account between XX/XX/23 and XX/XX/23 and have a minimum opening deposit of {$5000.00} post to the account by the date stated in the table below then remains on deposit until the date stated in the table below and make five qualifying transactions in the two months stated in the table below. Qualifying transactions include deposits made at a Citizens branch, ATM, or through the mobile app ; payments made by check or XXXX XXXX XXXX ; debit card transactions include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Transfers between other Citizens accounts do not qualify. I made an appointment at Citizens bank XXXX branch, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. The banker XXXX XXXX opened a business Advisor Ckg account for me on XX/XX/1923. I met all Citizens bank business checking promotion condition since then, but I still dont receive the {$500.00} bonus. Please investigate what happened and deposit {$500.00} to my account. Thanks XXXX XXXX
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At first, our account was frozen with no information given as to why it was frozen. After hours of work with the bank, the freeze was removed, but no explanation given. Now, we have been waiting for a check to clear for over {$700.00}. It was a mobile deposit made on XX/XX/XXXX. It cleared the bank of the sender of the check on XX/XX/XXXX. I have received notice that the hold was extended at least through XX/XX/XXXX ( XXXX months after the mobile deposit ). I was on the phone today, XX/XX/XXXX, asking for more information and expressing a willingness to talk to any department that could clear the check. No information was given as to why the check is being held ; and there was no other department or person I could talk to that could give me more information.
Company Response:
State: MI
Zip: 498XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an investors XXXX checking account they closed the bank went out of business and trasntioned to citizens I never got my funds from investors I need my money back and they are closed
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX bank let a party taken XXXX out of my account with a fake name. The customer withdrew XXXX with a withdrawal slip of XXXX XXXX XXXX then went to another bank as I was told by XXXX bank and withdrew XXXX using the name XXXX XXXX XXXX then went again to a XXXX bank and withdrew XXXX. This all happen between XXXX XXXX or XXXX until I puts a freeze on my account. They stated the fraud took place in Florida and I like in XXXX. I was in Georgia from XXXX XXXX. I made a police report and had my account changed but I still am out of XXXX. How can some one withdraw money with the wrong name and signature at XXXX bank and no REDFLAGS GO UP to question the party making the transaction.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am an XXXX XXXX member currently in XXXX that was notified of an account opened under her name for XXXX XXXX XXXX. I caught it pretty early seeing it was opened XX/XX/2022 and disputed it and claimed fraud alerts to the credit bureaus. I reached out to this bank itself and told them I had no idea about this bank, the credit card, let alone the amount which {$610.00} has been used on it. It was used to purchased items from a different location back in the XXXX XXXX I suppose, but again I live here in XXXX at the moment. I sent pics of my Id, reported fraud to this bank, send in receipts, and any more paperwork they have asked for. After denying my claim numerous times I continue to call the identity theft number for their bank XXXX and the last thing I heard from them and also spoke with from this bank is im not sure what else you can do, it looks like its just going to get denied which is not fair. I have always had a good credit score. Up until this account opening my XXXX XXXX XXXX has gone down to XXXX and Ive been fighting this battle for over a year now. I Pay all my bills on time. I have never had any bad credit history up until now. The only reason I get told why it cant be taken off my report is cause it has my information and address from my home of residency, which I can repeat IS NOT ME as I am stationed in XXXX.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In early XXXX of 2023, {$25000.00} was stolen out of my equity line. I still have yet to be refunded by the bank.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been engaged in ongoing communication with Citizens Bank in relation to their online banking services, with particular emphasis on their mobile application designed for the management of debit cards. Regrettably, I have observed an apparent malfunction in the functionality of the " Manage Debit Card '' feature within the mobile application. Despite my efforts to address this concern, I have been in correspondence with their IT Department without resolution. This issue came to my attention approximately one week ago, precisely on XX/XX/XXXX. The persisting inability to rectify this matter has led me to a point of frustration. Furthermore, it has come to my notice that their online banking services intermittently experience outages during the course of the day. However, I wish to emphasize that my primary concern revolves around the malfunctioning mobile application 's inability to facilitate the crucial " freeze '' and " unfreeze '' functions for my debit card. This functionality is pivotal, as it enables me to exercise control over the security of my finances without the necessity of resorting to the toll-free customer service line. It is pertinent to mention that this issue is manifesting across both XXXX and XXXX platforms, thereby making it platform-agnostic. I would appreciate a prompt and comprehensive resolution to this matter, as it directly impacts my ability to manage and safeguard my financial assets effectively. Your attention to this concern is greatly appreciated.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a few hard Inquiries on my Credit that Im not aware of such as : Citizens one on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Company Response:
State: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A