Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized and unverified inquires on my XXXX credit file. They are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Citizens One Auto Fi XX/XX/XXXX. Each application was for pre-approval soft pulls and I didn't authorize hard pulls. I contacted each institution to ask why they pulled my credit, they responded that the applications were no longer in there system because it was more than 30 days from applications.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: We received a letter from Citizens Bank stating that two accounts ( which we did not open ) were being closed and we should immediately stop writing checks against these accounts. When we called Citizens, someone had opened up a checking and savings account in my name, using my address and ss #.
Company Response:
State: CT
Zip: 06825
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Payment due date of XX/XX/2023 In the amount of {$310.00}. Due to financial issues and it being the holiday time, I was unable to make my payment on the exact date of XX/XX/2023, I made the payment on XX/XX/2023 - EXACTLY 28 DAYS LATER. Citizens Pay is reporting me 30 DAYS late with XXXX XXXX XXXX AND 60 DAYS LATE WITH XXXX. I have disputed this XXXX 2023 30 day late payment a total of EIGHT TIMES. Each time, Citizens Pay verified all information as correct and the account was unchanged. Per the FCRA, an account can not be reported 30 days late if it is in fact not paid after 30 days! I have written in to Citizens Pay, to no avail, I have sent an email to the Vice President of the company, to no avail. No one is doing anything. The erroneous reporting of this 30 DAY LATE FOR XX/XX/2023 caused me to be turned down for a newly built home with XXXX XXXX XXXX!!!! As a single mother of XXXX children, renting a home in this terrible financial climate, missed my chance for a new home due to the reporting of this 30 day late for XX/XX/2023. Attached, you will find the XXXX statement from Citizens Pay- with proof that the due date was XX/XX/2023 ; I am also attaching a payment history statement from Citizens Pay showing my XX/XX/2023 payment being made on XX/XX/2023. I have also attached the letter from XXXX XXXX XXXX declining my opportunity for a new home based on the ONLY NEGATIVE ITEM ON MY CREDIT REPORT WHICH IS A 30 DAY LATE PAYMENT BEING REPORTED BY CITIZENS PAY FOR XXXX OF 2023 ; Lastly, I attached a current printout of the payment history for this Citizens Pay account from each credit bureau - XXXX showing 30 days late for XX/XX/2023 ; XXXX showing 60 days late for XX/XX/2023 and XXXX showing 30 days late for XX/XX/2023. Just because a payment is not made on the exact due date, that does not give you the right to report the payment as 30 days past due! The Late Payment calculator begins one day after the due date... For example : Due Date XX/XX/2023 : XX/XX/XXXX - ONE DAY LATE XX/XX/XXXX - TWO DAYS LATE AND SO ON AND SO FORTH ... ... ..... Again my payment was made on XX/XX/XXXXXXXX XXXX
Company Response:
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX XXXX XXXX I got a citizens clear value credit card, XXXX XXXX interest free, I did a balance transfer of XXXX dollars .in XXXX when I opened my bill Isaw that there were 3 charges on my bill that I did not authorize the first one on XX/XX/XXXX XXXX a charge of XXXX to XXXX on XX/XX/XXXX a charge XXXX to XXXX and on XXXX XXXX a charge of XXXX I immediatly called their fraud dept. and reported it they told me they shut the card down and would investigate the matter said it would take 2 or 3 weeks. I called them on the XXXX XXXX XXXX on XX/XX/XXXX they sent me a letter stating that they completed their investigation and that I was responable for the charges and that the amount of XXXX would begin accuring interest and be included in my regular bill. I again called their fraud dept. and their represent stated that I wasnt responable for the money but their manager would call me back .I called 7 or 8 times no one ever called me backI continued to make my monthly payments until I paid every dollar that I owed after that I called and Told Them i wasnt making any more payments.now they haressing me with phone calls and letters and reporting me to the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a HELOC account with Citizens ' bank. I do make interest payments monthly. I also make payments to the principal. Interest payment is an automated payment that is debited from my checking account with Citizens. Outstanding balance on the loan varies throughout the month. Interest due is calculated based on the daily average. But I am making principal payments multiple times a month. Due to these payments, the interest calculated by the bank is not the actual interest owed by me for the month. Other banks recalculate the actual interest applicable when payment is received and apply the remaining amount to principal payment. This was the procedure followed by XXXX XXXX and XXXX This is not being done and the bank is doing illegal practices by applying the entire amount to interest.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I tried to sell the house previously, but it was reported at court as if I had a XXXX mortgage taken out on it ; XXXX got appraised at XXXX. My mother got sick, and she's on hospice currently, so I thought it would be good to have tenants and pay everything. They up and left, no 30 day notice, no nothing. So I hired a cleaning company, the assessment, cleaning, trash removal, etc. That said local company, instead, they MOVED IN. I have informed the mortgage company every step of the way, including the lawyers, and was told to wait, until we can all reach an agreement. I have made an insurance claim for my house, for stolen belongings, property damage, vandalism, theft, and worst of all, them impersonation a federal employee. Due to the squatters being in my house, having to e-file from XXXX, having the extra XXXX ( from XXXX to XXXX ), the payments were missed. I've lived at this address for XXXX years now, no issues. Since I had left, got fines and warning letters from the HoA, due to their irrefutable behavior. The mortgage company said XXXX thing over the phone, and completely different outcome over the phone. I just got the court date letter, with the court date, as wellad a letter informing me of accelerated foreclosure process beginning. Although I stayed in the house for the last XXXX weeks since I got back, fixed it where it needed, and cleaned iaw. Law required, they won't help. I need help, please help... The mortgage company is not giving me the option to pay the monthly mortgage and add partial from what I owe, but rather pay it all at once, no other option to work with me. I am a XXXX XXXX veteran, single mother, and started a business last month, so I could pay XXXX, and pay off the mortgage within XXXX years. My credit score is very poor now, also due to this being reported to the credit bb and affecting everything else as a snowball effect. I am not being given the chance to remedy as I can as I am able to, for it is impossible for someone to get legally XXXX, and pay off whatever is owed, to get it up to date and avoid foreclosure ( accelerated, since they know it's a profit margin of XXXX, if sold right now ). Please help, please advise, I am willing to do whatever it takes, to save my house, and to stay, in my house, not to be forced to leave, after I had just saved it from being rebuild, due to the damages caused by the squatters
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been trying to close my late fathers account with Citizens Bank for weeks and their branch personnel have no idea what to do and their support personnel that they call either don't pick up the phone, don't help, or take days to respond. I have made 5 trips the bank. Three times they either come up with a new form I they didn't know about before or they can not proceed because they do not have access to competent personnel. I have every legal document needs - death certificate, probated sill, tax forms. Citizens is not training their people nor are they providing adequate support experts to conduct daily business. Citizens Bank 's incompetence is resulting in withholding of funds that I have every legal right to. They are also causing late payment and returned payment fees because they can not process this account. I have also had to call their technical support three times to gain online access only to find out the started a new platform and it simply " wasn't working ''.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The following information represents a true and correct statement of facts as they pertain to a series of improper and unauthorized financial transactions by Citizens Bank , N.A. ( Citizens ) : - At no time did I open a Citizens account. However, I had been a customer of XXXX XXXX XXXX ( XXXX ) since XXXX after its acquisition of XXXX XXXX XXXX, and, until Citizens acquired XXXX XXXX XXXX XXXX in XX/XX/XXXX. - Days prior to the acquisition, I paid off the balance of the over-draft protection on my XXXX account, and withdrew {$22000.00} from the checking account, which left a balance of {$180.00}. - Late XX/XX/XXXX, in anticipation of the acquisition, I opened a checking account with XXXX XXXX ( XXXX ) ; my first transaction at XXXX was the deposit of the withdrawn amount. - MidXXXX, I changed my direct deposits from XXXX to XXXX. Additionally, both by online procedure and by phone notification, I set up my automatic and manual payments with either the new XXXX debit card or bank account information. - At no time did I make available, by online process or phone call, the Citizens account information ( i.e., new bank account number and routing number ) for electronic payments to merchants and service providers. - At no time did I authorize Citizens to make payments to merchants and service providers on my behalf. - Late XXXX, I contacted Citizens to request that they officially close the account and send me the remaining funds. - It was at that time I was informed that the Citizens account was in a state of negative balance due to unauthorized payments made to XXXX XXXX XXXX ( XXXX ) ; penalties began to accrue on the account. - Citizens negligently failed to notify me of the unauthorized payments, the resulting negative balance, status of an account that I thought was inactive, accruing penalties, etc. - Early XX/XX/XXXX, and after Citizens admitted to unauthorized financial transactions, the bank, once again, made an unauthorized payment to XXXX. - Several calls later, I was finally advised by a representative to speak to someone in the Office of the Chairman ; the representative submitted the request and said that I should receive a call within 48 hours to address this urgent matter. - A month later, having not received a call from the Office of the ChairmaXXXX, I called the customer service number once again. This time, the representative, on a recorded line, offered to, herself, reverse the unauthorized payments, and put the balance back to {$180.00}. Once the process was completed, I could then close the account and I would receive the remaining funds. ( Please note : I was not contacted by the Office of the Chairman until four months later. ) - Subsequently, XXXX notified me that a couple of the payments were returned because of a request made by Citizens, and returned payment fees would be applied to the account. - Citizens, who was not authorized to make payments to XXXX in the first place was, likewise, not authorized to request a return of the payments from XXXX. - A XXXX representative informed me that when Citizens requested the return of payments, the reason the bank gave was that such payments had not been authorized ; thus Citizens inadvertently admitted to committing federal bank crimes that involved engaging in unauthorized financial transactions.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had 2 credit cards with XXXX before they were sold off and transferred to citizens bank now they send me a letter in the mail that they decided to close them this is ridiculous against policy they were with another bank and Im a good customer they closed it claiming I never used them what do they care I dont deserve this treatment
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They continue to report this fraudulent account on my credit report. I also sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/2023 which is a FDCPA violation.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A