Date Received: 2023-07-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citizens Bank subjectively decided to place a XXXX day hold on my business checking account ( Account # : XXXX ) for my business : XXXX XXXX even after the check being cleared and cashing the check and won't release my funds until XX/XX/23. Please assist me to resolve.
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: CITIZENSONE CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE XXXX XXXX IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT. PLEASE DISCONTINUE THE THREATS AND VIOLATIONS OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, AND REMOVE THE CITIZENSONE FRAUDULENT IDENTITY THEFT ACCOUNT FROM MY CREDIT XXXX REPORT.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Getting a loan
Subissue: Confusing or misleading advertising
Consumer Complaint: Citizen Financial Group , Inc has been providing misleading advertisements about scholarships through their other business XXXX XXXX XXXX XXXX, and their scholarship programs. The XXXX XXXX website states, You can stack your scholarships so the amount of aid you receive XXXX XXXX, unlike loans. The statement is misleading and has forced students into acquiring additional loans or dropping out of college. Citizen Financial Group and XXXX XXXX have known about scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Citizen Financial Group and XXXX XXXX have used these advertisements to mislead students into applying for scholarships so that once the students become victims of the practice, they will get Citizen Bank loans. XXXX XXXX and Citizen Financial Group must be investigated for their misleading and predatory advertisements.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 between XXXX and XXXX, I had a group call with my two aunts and myself to Citizens Bank regarding obtaining the payoff balance on my credit card. The Citizens Bank agent quoted us a payoff balance of {$2900.00} since we told her that we would be stopping into our local Citizens Bank office the next day to payoff the balance on the account. We went into the Citizens Bank office on XX/XX/2023 and gave the clerk Check # XXXX in the amount of {$2900.00} paid from my aunt 's bank account ( I reimbursed her in cash later ). The Check for {$2900.00} posted to the credit card on XX/XX/2023 and then on XX/XX/2023 I received a credit balance refund from Citizens Bank to my credit card account since we actually had overpaid the balance on the account. I did not use this account at all since the date we paid it off since we were paying it off so that I would not use it again until I really needed to use it. Then on XX/XX/2023 Citizen Bank added interest charge-purchases fees of {$9.00} to my account and also closed out my account so that I could not even use it if I wanted to. I have no idea what the {$9.00} in interest charge-purchases are for since I did not make any purchases nor did I have any balance on the account after receiving the credit balance refund from the bank on XX/XX/2023. This error is affecting my credit rating and according to the FCRA requirements, Citizens Bank needs to accurately correct the credit reporting of my payment history on this account and not show it as a charged-off account since I paid the balance off in full and was intending to use this card in the future before they abruptly closed out the account. Please have the bank correctly show my balance as paid in full {$0.00} as of the date we paid off the account ( XX/XX/2023 ) and have the bank update the credit furnishing data for me to the three major credit reporting agencies so that it does not show me as being delinquent or having a charged-off account since that is not accurate. I should not be owing a balance of {$9.00} for any reason and that must be removed from my account since it is also not accurate.
Company Response:
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2023 To Whom It May Concern at the Consumer Finance : I am submitting this complaint because I had a check that I sent in the amount of {$2000.00} for payment on my XXXX XXXX XXXX XXXX. This payment was never received by XXXX XXXX. The following is a chronological history. 1. The payment was sent on XX/XX/2023 2. On XX/XX/2023 XXXX XXXX sent me an email reminding me that my payment was due on XX/XX/2023. 3. I called XXXX XXXX and informed them that I had sent the payment on XX/XX/2023. 4. They informed me that the still hadnt received it. I said I would check back on the due date and if they still hadnt received it I would pay it over the phone. 5. On XX/XX/2023 I called XXXX XXXX back and they still hadnt received the payment so I paid it over the phone ( {$2000.00} ). 6. On XX/XX/2023 my account showed a second debit to my account of {$2000.00} on my Citizens account. 7. I called Citizens and explained the situation. The check showed that the money was deposited to a XXXX XXXX account at XXXX XXXXXXXX XXXX XXXX XXXX XXXX DE. ( copy of check included in attached documents ) 8. Citizens Bank Claims Department sent me a form ( Declaration of Unauthorized Endorsement- Altered Claim number XXXX ) which I filled out and returned on XX/XX/2023. 9. When I contacted Citizens Bank regarding the form they said that they would need XXXX XXXX to sign the form stating that they had not received the funds. I questioned why XXXX XXXX would need to get involved since they hadnt received the funds, but Citizens Bank insisted that they needed to sign the form. 10. I started trying to contact someone a XXXX XXXX who could sign the form as Citizens Bank had requested. After week or two and going through multiple departments at XXXX XXXX, I finally got through to someone in XXXX XXXX Payment Investigation who said they would investigate whether this could be done. On XX/XX/2023 I received a letter from XXXX XXXX saying that they would be unable to sign the form and referred me back to Citizens Bank. 11. I contacted Citizens Bank Claims Department and explained that XXXX XXXX wouldnt be able to sign the form. 12. Citizens Bank Claims Department manager ( XXXX XXXX ) said that I should document this on the Declaration of Unauthorized Endorsement- Altered form I had sent earlier and resend it to them, which I did through the Citizens Bank branch office in XXXX , Ma . 13. On XX/XX/2023 I received a letter from regarding Citizens Claim Number XXXX stating that I didnt have to do anything and they would contact me when the investigation was complete. They ( Citizens Bank ) originally told me that this might take 6 to eight weeks. 14. When the 8 weeks came and went, I called Citizens Bank Claims Department and they said that XXXX had opened a claim XXXX and they were still waiting on XXXX XXXX 15. I went to the Citizens Bank branch office in XXXX, Ma. and asked how I could escalate this. They put me in touch with XXXX XXXX ( XXXX ) at the office of the Chairman at Citizens Bank and she has been trying to move this along. 16. This issue has been going on now for almost 7 months and Im very concerned about my money being returned. My most recent contact with Citizens Bank was yesterday ( XX/XX/2023 ) when XXXX XXXX from the Office Of the Chairman ( Citizens Bank ) called me back to inform me there has been no progress and that they were still waiting on XXXX Citizens Bank Contacts XXXX XXXX ( Office of the Chairman ) XXXX XXXX ( Manager Citizens Bank Claims Department ) XXXX XXXX XXXX XXXX Citizens Bank XXXX Ma. branch Office ) XXXX Also, I have attached all the documents that I have received and passed on to Citizens Bank. Lastly, I have had numerous calls with the representatives from Citizens Bank, XXXX XXXX and although Ive tried I could not get through to anyone at XXXX who could help me. In my conversations with Citizens Bank they are telling me this is being held up by XXXX. I would like to get my money back as soon as possible and would also like for the Consumer Finance team to let me know what my rights are as well as Citizens Bank responsibilities to make me whole again. Please let me know if you have any questions or need any additional information.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer. Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it )
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent XXXX payment from my bank ( Citizens Bank NA ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called Citizens Bank on Tuesday XX/XX/XXXX, and case No. XXXX ( with Citizen 's Bank ). XXXX is giving issues and problems now? Funds should go to the recipient that I sent to on XX/XX/XXXX. Follow up with me by call and by USPS Mail, too.
Company Response:
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The options for type of complaint in step 1-5 of registering where not one of mine, this is a Restricted Escrow account issue dealing with property damage/claim. Please read below. I sent the below letter to XXXX NY XXXX and they have informed me that they do not have oversight over the Financial Institution referencedin the letter and recommendedthat I send it to you. Please note the update at the end. My name is XXXX XXXX XXXX. I served this country for 24 years and held a XXXX XXXX Clearancefor my entire service. Never has my integrityor my honor been questioned. I am starting with that statement because what you are about to read is the truth, I am not embellishing it, making it up or otherwise exaggeratingthe details. I am frustratedbeyond belief, my blood boils and my anxietyis at an all timehigh. I will try and make this as short as possible. I am having an issue dealing with my Mortgage Company ( Citizens ) regarding an Insurance Claim for damage to a barn that is on my property. This barn was damaged fromtwo winter storms that hit myarea on XXXX XX/XX/XXXX within 24 hours of each other dumping 7+ feet of snow on theroof causing it to collapse. I contacted my Insurance Company ( XXXX ) who let me know it would be covered under " Other Structure '', with a XXXX cap minus my deductible, depreciation plus some for clean-up for a total of {$53000.00} ( amount of check from XXXX ) XXXX They came out, inspected it and wrote it up as a " Total Loss '' and told me they would send me a check in a week or less. XXXX called me back the next day and told me they are required to send the check to my XXXX. who would endorse the check and send it to me. This is where my troubles began. I spoke with Citizens Claims folks who told me they would not sign the check, that they will mail it to me and I would have to sign it and mail it back to them and they would put it in a Restricted Escrow Account, I would have to submit documents each time I wanted to make a repair to my house. They would approve it in part, send part of it, they would send an inspector out when the work was halfway completed before paying 1/2 the costs and send the remainder of the check to me to pay the contractor once the final inspection was done. This statement was read to me time and time again, all through my dealings with Citizens and every time I would ask them to look at my claim packet and tell me what type of claim it is, and they would put me on hold, come back and say it is for a Total Loss. Every time I would reply with " then there are no repairs to be made. '' I can not count how many times I have had this conversation with them except to say I had it every time I spoke with them on the phone and to this day they stillcall it Repairs for myHouse. After a week of arguingwith them over the phone I signed the check and sent it to them. The date on the check was XXXX XXXX XXXX towards the end of XXXX I gave up trying to get Citizens to release the funds to me. They outright told me I can only use the funds to repair or rebuild the structure. I continuouslyexplained this structure is not part of my mortgage and that the " Barn '' listed on my mortgage is still intact and standing. Originally there were 3 barns on my property, the main barn, which I still use, a smaller one that was really used as a tractor stall, not attached to but next to my main barn and a XXXX which I pushed over the day I closed on the purchase of the house because it was a hazard. So, I got an estimate for 4 construction debris containers and sent it via fax on Friday, XXXX XXXX XXXX in the amount of {$5800.00}. On the XXXX I received a check from Citizens for {$10000.00} dollars. From this point on my phone calls to citizens have been to try and get them to release the remaining funds to me, after applying a sum of it to my mortgage, to no avail. They are insisting that I rebuild the structure and I ask repeatedly under what legalgrounds are they requiring that when it is a total loss of a structure not part of my mortgage. Months have gone by and I am still no closer to closing this issue out with them. They keep insisting I rebuild. I became frustrated and upset one day on the phone with a rep and said, more to myself then to her, " I guess its time I get a lawyer involved '' this prompted the rep to say " You can always request an exception to policy to have the funds released. In all this time, that was the first I heard of that option. I told her to go ahead and submit it but I am sure you will deny it like you do everything else. '' Two days after that phone call I received a call from a person named XXXX with the Office for the Chairman of Citizens and she wanted to talk with me about some issues that crossed her desk. I still have that voice mail that was on XXXX XX/XX/XXXX. XXXX works for Citizens, I understand this but she told me she was goingto try and get me the answers I wanted and after 1.5 hours on the phone with her while I recapped the above and so much more she asked me what I wanted. I told her I want answers as to why I am always lied to or given disinformation, I want written apologiesfrom those that have lied to me or only told me half truths when talking with me ( which I know I will never see ) and I would like this claim issue resolved and the money left over sent to me after applying {$14000.00} of it to my mortgage. I have gotten nowherewith any of that. Each time she tells me she is working on this piece or that piece we both come up with nothing. Example : the " Requestfor Exception to Policy to have my funds released '' I called the claims office at one point and was told the request was not acted on after a week and a half. I called back a few days AFTER talking with XXXX about it and I was told it was denied, I asked when it was denied and they stated it was denied on the XXXX of XXXX, this was the day after I mentioned this to XXXX and she had told me she would look into it. I requested a copy of the denial letter from both XXXX and the Claims office. The claims office stated they would send it out. I just got off the phone with them ( today is XXXX XX/XX/XXXX ) to see why I have not received the letter as of yet. The claims rep put me on hold and came back on the phone and told me my request was denied, Confused, I stated I know the request for the release of the funds was denied. I am asking for a copy of the letter stating so. She informed me there is no document and that my request for the document has been denied. Meaning they are refusing to send me a document stating my request is denied, I argued with her asking, if there is no document for you to send to me then how was it denied. she just repeated what she already told me. From the start of this I asked for a statement each month which tells me how my money is being used while they sit on it. I was simply told it's in an escrow account and is not being used. I asked her how can they write a check on those funds if those funds are not sitting in a checking account of some sort, she told me they are not in a checking account. I asked does it not have to be in a checking account to draw the checks from, is it yielding any interest, don't I have a right to know these things? I was told no. Frustration does not even come close to how I feel at the moment. I spoke with an attorney last week and he suggested I notifyyour office of this issue and the other issues I have had with Citizens. Long story short, I bought this house in XXXX of XXXX. I lost my business due to the Pandemic. When I spoke with Citizens they told me the only option I have would be a COVID Forbearance. That I could come out of it at any time once I got on my feet and that if I did not notify them to take me out of the forbearance I would be automatically extended. I called the 2nd to the last business day of the XXXX month to inform them I had a job and wanted to come out of the Forbearance. I was told I was automatically extended for another 3 months and that was their policy. Try as I might, they would not let me come out of it. I put in a request at that time to have the 3 months deferred to the end of my mortgage. I called every day for 2 weeks to check the status of that request. Each time I was told it has not been looked at by that department yet. A month later I started calling twice a week, same reply. XXXX XXXX came and went and I stopped calling but once a week and told them I am no longer making a mortgage payment until they acted on my request. .6 months later I stopped calling completely. About a year later ( I can check if you need the date ) I was taking a trip for work to XXXX in XXXX XXXX leaving out on a Sunday. The day before leaving I received a registered packet from an attorney stating he represents Citizens in my foreclosurecase. I spoke with that lawyer while in XXXX and he could not believeit when I told him I have an open Defermentrequest from a year ago that I was still waiting for a response and that I had no knowledge of being in foreclosure. He told me he would make some calls, look into the matter and return a call to me in a day or two. The lawyer called me back the next night and told me I am no longer in foreclosure and that I would have to talk with Citizens regarding the defermentrequest. I could tell by his voice that something was not sitting with them very well and gave me the feeling Citizens had messed up. I spoke with Citizens when I returned home to find out they canceled my De. Req in order to start the foreclosureprocess. The poor rep I spoke with was constantlyapologizing to my wife and I and that was the only time I had a pleasantphone conversation with Citizens. I told her I was still waiting for them to act on it, that is when she told me it was canceled and that I would have to submit a new request all over again, I refused to resubmit because I did not ask for it to be " canceled '' told her to get whoever canceled it to uncancel it. I was told that will not happen. I caught up on my payments with them and now I am once again getting nowhere with Citizens. I do not know what my Legal rights are, I do not understand how one person tells me I have to rebuild on a total loss and another person says I don't have to. My insurance has no advice to give me and the lawyer passed me off to you guys telling me to treat it as I would a negotiation. I have since submitted an estimate for a rebuild. When I called to check the status I was told that it has been forwarded to higher management as a request for an exception to policy to have the funds released. The estimate is for {$66000.00} dollars of which I asked for {$13000.00} to have a concrete slab poured, {$30000.00} for lumber/materials and 30 % of the labor costs ( {$5000.00} ), which is more than what they currently have left. I would bet my paycheck that it will be denied and if It does, then what? They just keep the money? Should I sue them? Can you guys help me out at all? I only mentioned that last part so you would see there areotherissues I have had with them. I trulyam at my wits end here. Thanks for taking the time to read this, I hope you had a cup of coffee in hand, It took me XXXX cups to write it. I work 3rd shift so you can call me from XXXX - XXXX as I am in bed by noon up and out the door at XXXX. UPDATE : With regards to the Estimate submitted to Citizens for a completerebuild of the structure. I submitted this request for funds on XXXX XXXX, It sat with no action taken because they said they were waiting for me to call them and request an exception to policy request to be forwarded to higher management. Please note they never contacted me to let me know this, I found out by callingto ask for an update on the status at the end of the first week. They also told me that by not asking for a specific amount it prevented an automatic forwarding of the request to " higher management '' for review. In the notes of the estimate it clearly defines what is needed to get the ball rolling for the rebuild. Today ( XXXX XXXX ) there is still no action taken and they can not /will not provide me with an estimate on a timelinestating I simply have no other options available to me other than wait. They also stated to me that there is no way for anyone in the department to contact the individual ( s ) that do the review and make the decision and ask them to provide a decision. On XXXX XXXX I had called to get an update to no avail. I asked the representative to speak with her supervisor and was told one was not availablebut one would give me a call back within two days. Today ( XXXX XXXX ) the rep I spoke with told me there is no indication that such a request was made and asked me who I spoke with, I provided her the name and she said that maybe she just didn'tsee the request. Regardless I am sure I will never hear from one. I am frustrated beyond measure at this point. They are requiring me to rebuild a structure that is not covered under my mortgage policy yet will not release the funds. The reps at Citizens tell me I have no other options availableto me in resolving these issues. Please, provide me with some options or advice. RespectfullyXXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, this is another attempt to get this issue resolved. I have been a member with Citizens Bank since it was changed from XXXX then switched over to Citizens Bank. In XXXX of XXXX I attempted to order from XXXX XXXX and the message came up on my phone that I did not have the funds to order. I checked my account and saw that my account was overdrawn and that a check was paid for {$510.00}. I saw a picture of the check which looked suspicious to me because May was scribbled on the top of the check not Mays and a lot of stuff blacked out. I did not know how to screen shot at that time or I would have taken a picture of that ( I do now ). I thought I had been hacked so I called the Citizens bank and let them know. The bank gave me a reference/claim # XXXX. The next day I went into the bank and spoke with a representative XXXX XXXX, she suggested since we did not know if it was fraud or not to close that checking account and open another. I did that. A few days later I received a letter from citizens bank stating that no error occurred for the transaction ( s ) dated XX/XX/XXXX. And that the transaction was authorized by me! After receiving this letter I went back to the bank and spoke again with XXXX XXXX. She attempted to pull up my information and was not able to do so. I reminded her that I have a new account but, she said that she should still be able to pull up the old account. She was not able to do it she said I should call the XXXX XXXX XXXX XXXX at XXXX. I called that number and was never able to get through. I went back to the bank and let the representative know that I never got through. I spoke with the manager she asked XXXX XXXX to assist me and we stayed on the line until closing they still never answered that line! This is how the process started of me looking into how this happened. A {$510.00} unauthorized payment was sent to Medicare on XX/XX/XXXX from my account. I paid medicare in XXXX, XXXX and XXXX of XXXX and a payment was not due again until XXXX of XXXX so there is no way I would pay again and empty my account to do it. The last time I contacted this office I got a reply from Citizens bank stating that I added XXXX XXXX XXXX through the Citizens Online Banking Bill Pay platform on XX/XX/XXXX ( not disputing that ) What is in dispute is the payment of XX/XX/XXXX which the letter does not address! I believe it is because they ( bank ) doesn't even know why. According to Medicare whom I contacted they received all my payments the same way except for the one on XX/XX/XXXX. I don't know how or why the payment came out of my account but I did not authorize a payment in XXXX. The amount I paid Medicare was {$510.00} the payment that was paid in XXXX was not the same as I pay it was XXXX probably was some sort of glitch in the system I don't know but I would like for you to look into it and contact the Medicare people if necessary they can tell you that the payment in XXXX was not the same as the others. I would like that money put back into my account. Speaking of wrong information Please correct the information you have on me. My name is XXXX XXXX not XXXX and I am not and has never been in the US Navy? Don't know where that info came from which proves my point mistakes can be made! Thank you for your consideration to this matter!
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Citizen account was. erroneously reported to my credit report over {$6.00} past due. I called when the payment was due to get the past due amount so I can make a payment to avoid a 30 day report on my credit report. I was told I had to pay {$160.00} which I did. I woke up today to find that citizen pay reported my account XXXX line of credit as past due by {$6.00}. This is not my mistake but it is a mistake by the customer service agent. I have been a sick and out of work and I have been doing whatever I can to avoid situations like this. As a result of this mistake my credit dropped by XXXX points. I put in several disputes to all three reporting agencies and citizen bank refuses To remove this erroneous and unjust information. Every month they report a different month that was past due they have ruined my credit over {$6.00}. XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A