Date Received: 2023-08-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to deposit a check from a brokerage account ( XXXX XXXX ) into a Savings account at Citizens Bank and the check was placed on a hold for 2 weeks. 3 days later I attempted to transfer funds from 2 of my Savings accounts at this bank to a Checking account and the transfer was rejected and my accounts were frozen. The customer service has been unresponsive. Meanwhile I will be unable to pay my credit card bill due to inability to access my funds.
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My XXXX XXXX report shows an account that I don't recognize with Citizen 's Bank, The report indicates that it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Some of the information on the report pertaining to me is incorrect. This account is over 7 years old. I don't understand why it's on my report
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: First they deactivated the account because I hadn't made a deposit in a while. I had to make a deposit initiated from my local bank account which went through real time. I had to call back several times to get the account activated and set up an external account to transfer to. Then I tried to initiate a transfer from the account to my local savings account but had to call to get that to post. That transfer is still pending after 4 business days and every time I call they tell me it's not enough time. I initiated a transfer from my local bank account to get the money and that went through after only 3 business days, but not the one initiated from the bank I'm filing the complaint about.
Company Response:
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Both XXXX XXXX AND Citizens bank are at fault here Here is how : THE TOPLINE Citizens put me in foreclosure stating that they did not receive the payment, which is FALSE, as you can see confirmation of payment XXXX said my account was overdrawn, which is also FALSE Thus, they made me pay TWICE, yet CItizens did NOT credit me for the duplicate payment. Nor for the seperate payment of {$500.00} for escrow. Of note, you can see the policy Citizens has about online payment which was taken within 3 days, yet 10 days later they stated that XXXX took those funds BACK and so I had to pay again in XXXX for two payments to restore the account. I contacted the CFPB when I was in default and no one replied, so I made A THIRD payment. THE DETAILS I paid my mortgage in XXXX for the XXXX period. The payment was made online and via my XXXX account. You can see payment confirmation via EMAIL and I called and got confirmation from Citizens that in fact, it was received and processed. Calls are recorded ... feel free to ask them to pull the call from XXXX and XX/XX/XXXX They confirmed I could close my XXXX XXXX account as the payment was processed.XXXX bank deleted from my email that email which asks you how was your call with Citizens or I would attach that which I had as evidence prior. I went into the XXXX branch 2x to confirm the status of payments outgoing had cleared that in XXXX before closing my account in XXXX. First visit to XXXX was XX/XX/XXXX then again XX/XX/XXXX All was clear... I have a letter stating the account was closed in good standing. over a week or two after CLOSING the XXXX and more than 2 weeks after paying Citizens, the mortgage company stated that XXXX took that payment BACK. XXXX also stole from me when I cancelled the check to XXXX XXXXXXXX XXXX XXXX and the did NOT stop the check which was done within hours of issuing it, XXXX said that the info did not match but I have proof it DOES match and they should have cancelled it, and parks never made it right so XXXX gave a XXXX business who destroyed my water heater money and did NOT honor FDIC policy, and the FDIC has not replied to request for them to honor those funds. If it was a credit card and I instantly returned it, the bank would have to honor those funds, and it is supposed to be with a check but XXXX did NOT. I share this so you see how XXXX stole me. I closed the account for that reason and they enabled Citizens to do the same-steal from me as they did NOT take the funds and apply, they pocked it that money. And when I wrote you that they were threatening to foreclose on my home, you did NOTHING. So Now I am asking you for justice, please for the love of God do me justice. Pleas- ADDITIONALLY -- the ESCROW refund is NOT accurate because it does not take those monies into account from the XXXX payment People take advantage of me as they see Social security sends me money. This was cruel. It is also ILLEGAL. Its fraud. REQUEST FOR YOUR HELP Please refund my monies to me OR OR get Citizens to acknowledge the receipt of the payment, which they are denying. These are huge profitable companies taking from a solo person with no family no friends -they lie, cheat and steal. God as my witness they have oppressed me, lied and cheated. And they do not want to do justice. i have other proof of ways XXXX has stolen from me and Citizens has tried to add in random charges to get more money. Enough! enough! I deserve justice! I have attached a few snapshots, but you are in a powerful position and can pull those calls made to Citizens, I ask that you do so. As XXXX did not return those funds to me when I closed the account, and Citizens is NOT crediting my account. REQUEST AGAIN Please please please use your power given to you by God, the governement and the CFPB to grant me justice. And if you DO grant me justice, my XXXX in Heaven will surely bless you.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: There was an unauthorized charge on my account which I notified the bank as it came to my attention. When I called the bank the bank informed me that I was unable to file a dispute because it was not filed the same day the transaction happened. I questioned that logic as a small business owner, however, Citizens repeated. I filed a XXXX and a member from the Office of the President contacted me and stated it was due to XXXX, however, XXXX is governed by Title 31 ( B ) ( ii ) ( A ) part 210 which governs reversals, not disputes. In fact, disputes are covered and protected under Regulation E and it appears citizens bank does not want to comply with Regulation E or cant. Citizens bank just got fined over XXXX XXXX dollars for failure to follow bank regulations regarding credit cards and now it appears they have shifted their non-compliance to regulation E and attempted to utilize Title 31 ( which has nothing to do with it ) as an excuse.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Attempted to open a brand new checking account and savings account with Citizens Financial Group to take advantage of a new customer offer. Within 3 hours, same day, and after a soft credit check my accounts were closed and I was locked out. Spent close to an hour trying to call into the customer service line for a resolution or explanation, and to confirm there was no concern with fraud as i had provided my other banks 9 digit ABA as well as account number. Associates were downright rude, and did not offer any sort of explanation or resolution. Additionally, the " supervisor '' could not even verify whether or not the accounts were closed on their side or through my brand new user ID which was extremely concerning since I was originally calling in just to confirm whether or not there was a concern or any fraudulent activity. I've never had any overdrafts, my credit score is outstanding, and I believe they are bias due to the fact that I work in the industry. Terrible new customer experience and no form of resolution offered or even suggested. Only response I got was " You will receive a letter in the mail ''. Requested my credit report, everything is accurate and there are no demeaning marks or reasons to dispute info. This is simply unfair and deceptive business practices, and unjust disqualification.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citizens bank manager XXXX called me XX/XX/2023 asking me to come into the store and sign my signature. I have never heard of this and got confused as to why I had to go out of my way to do this. She insisted she had a gift for me in the store and I should come. I still did not understand why because I opened this account over a month ago and signed everything in the store. She then told me that it did not take my electronic signature I do not believe that because my account was opened same day and I went in person. How could it have not taken my signature. Im confused why they are harassing me to do anything that I dont have to. I am the real person and I use my account everyday. Ive never committed fraud so Im confused why they are bothering me. I called her back and told her I would not be coming to sign any papers but I would come to close the account when I can. She accused me of yelling which I did not. Just because XXXX women are assertive does not mean theyre yelling. She said she got scared speaking to me and now I do not wish to go into the bank. I dont have to go sign anything. How about citizens bank stop picking on XXXX people. How about they leave XXXX people alone in XXXX. She threaten to freeze my account for no reason at all. Ive done nothing wrong. I do not need to go out of my way to sign anything with them. When I called them and told them I wanted to close my account she opened my account without my permission and said well you only have XXXX cents and Im also confused what that has to do with anything. Her behavior is disgusting and intolerable.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I CLOSED my checking/savings account with Citizens Bank XXXX On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX {$5.00} from my closed account. Because the account was closed there were no funds to complete this transaction resulting in Citizens Bank charging me {$81.00} in overdraft fees on XX/XX/2023. On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX {$5.00} from my closed account again. Because the account was closed there were no funds to complete this transaction again resulting in Citizens Bank charging me {$91.00} in overdraft fees on XX/XX/2023. On XX/XX/2023 Citizens Bank sent me a letter stating the Reason for Returns. You gave the company permission to debit your account but revoked authorization before the debit took place. I called Citizens Bank and spoke to a customer service representative who proceeded to tell me that they reopened my account and paid the funds twice on my behalf and proceed to charge me with over draft fees. I was unable to resolve this situation to my satisfaction with Citizens Bank. On XXXX I received a letter from Citizens Bank stating that they were closing my account because they have not received a full deposit to bring the account current and have sent me to Citizens Bank Collections .
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I had a HELOC with Citizens Bank. In XXXX of XXXX I applied for and received approval for a HELOC with XXXX XXXX XXXX! I requested a payoff figure from Citizens Bank in order to pay the balance due on the HELOC I had with them. On XXXX XXXX I received an itemized letter from Citizens, detailing all the balances and fees that were included in the payoff figure. Included in those figures was a {$100.00} Discharge Fee! I recently noticed that money had been taken from my checking account at Citizens to pay for this fee, on XX/XX/XXXX. By doing this Citizens overdrew my checking account and then charged me a {$35.00} overdraft fee!! I shouldn't have to pay any fees as long as the amount requested in the payoff figure was satisfied, before the " payoff valid through date ''! XXXX also requested that my HELOC account be discharged, via written docs signed by me. Citizens is telling me that I never requested for the account to be closed therefore they can charge a fee for having it open, even though the request was made in XX/XX/XXXX. P.S. XXXX XXXX cut the check on XX/XX/XXXX. Citizens Bank stamped Received on XX/XX/XXXX, on the front of the check. Yet the reverse side of the check shows it was processed on XXXX!!! Is this not illegal?
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a phone call from a citizens bank number on XX/XX/23, about fraudulent charges and them wanting me to authorize them. I said the charges were not made by me so they told me they were going to cancel my card, send me a new one and freeze my mobile banking as it looked like scammer had gained access. Not knowing it was fraud - caller ID said citizens bank and he did and asked everything they do- I gave my information and {$500.00} was taken from my account. My online banking, debit card and credit card were all compromised. Citizens bank denied my claim and reimbursement because it appears I approved the money transfer - because I was following directions of the fake customer service employee.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A