Date Received: 2023-07-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received emails around XXXX on XX/XX/2023 saying my checkings account from Citizens Bank was successfully opened. I called citizens bank and they confirmed I had an account opened this morning at the time I was at work and unable to actually open an account at Citizens Bank.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have contacted Citizens Bank to discontinue our PMI last year as we just missed the 75 % LTV ratio that they were requesting for cancellation. If we recall correctly, we were at 77 %. Now, a full year later Citizens wants us to pay again for a BPO to evaluate our home, as they did last year. We wish to bring to attention that a Broker Price Opinion ( BPO ) has already been ordered previously and should already be in the records of Citizens Bank. Also, since the the start of our loan we have had extra principal payments for most months. Furthermore, we would like to emphasize that the 2023 Real Property Notice of Valuation, which appraises our property 's current worth at {$570000.00}, is a legally recognized document. As such, it should sufficiently demonstrate that our loan falls well below the 75 % LTV ratio threshold, thereby warranting the immediate removal of PMI as per the guidelines set forth by the Federal Reserve and Citizens own policy. Our original loan amount is XXXX.
Company Response:
State: CO
Zip: 80238
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a victim of identity theft. An unknown entity keeps opening up bank accounts with my name, address, birth date and social security number. Funds are being taken or removed from my checking account with citizens bank and deposited in a bank I have no business with.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a checking account with Citizens bank where I transferred XXXX XXXX XXXX from another account. Everything was going well then {$10.00} - XXXX was deposited into my account. These were funds from XXXX XXXX during the pandemic. I immediately called the bank to report this deposit because it was not mine and I didn't request anything from XXXX XXXX. The bank immediately restricted/closed my account and started an investigation. I called the bank days later seeing what was happening. I was told it was under investigation and I had to wait till the investigation was done. After XXXX - XXXX weeks go, I call again, the fraud was still under investigation. At the end of the month without and communication, I called the bank again. The bank said it was still under investigation and may conclude 60 - 90 days. After the 90 days was up, I called that the investigation is ongoing, I see the fraudulent funds were send back from an account statement, my funds that I added were still in the account with management fees ( {$9.00} ) being taken out each month and told it may take 6 months to a year to resolve. It's just about 3 years, my account is closed, my money is still in there with fees being taken out and still under investigation.
Company Response:
State: NY
Zip: 12047
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Citizens Access Bank on XX/XX/XXXX. On XX/XX/XXXX I made a deposit from my sons account in his name for {$800.00}. On XX/XX/XXXX I made two deposits for {$300.00} and {$2100.00} from an account in my name. Since XX/XX/XXXX Citizens Access bank has frozen all the funds in my account based on the {$800.00} deposit from the bank account in my son 's name. They have informed me the only way to resolve the situation is to add him to the account as a joint owner. The issue is they are unable to verify his identity and continue to freeze all the money in the account. My son recently turned XXXX so he has no credit history, but other banks were able to verify his identity and allowed him to open bank accounts in his name, but Citizens Access continues to deny due diligence to resolve this issue. They have frozen {$3200.00} since XX/XX/XXXX and today is XX/XX/XXXX. I have made multiple attempts to transfer the funds out electronically to accounts in his name and my name and citizens ' access continues to deny the transactions. I have made multiple phone calls on many dates to discuss the issue and since Citizens Access Bank continues to be unable to verify his identity and/or resolve this issue all of the funds continue to be frozen. All we need is to close this account and have our money returned to us Please help us get access to our money.
Company Response:
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made the same mobile deposit I make every week for my payroll on XX/XX/2023 before XXXX to Citizens Bank . My payroll check is drawn off the same bank as my personal account and is usually available the minute I make the deposit. The bank however put a hold on my check and are not releasing my funds. In the meantime, payments for my house and school taxes went through and my account is negative while they are holding my money. Their policy states a one day hold, and if there is a 2 day hold {$220.00} will be released the following business day, which is today. Yet, they are saying there is nothing they can do about it and it won't be released until Tuesday XX/XX/2023. I have spoken to local office, back office and back office supervisor. They gave me case # XXXX and expect to have a response in 1-2 business days, which is after the check will clear.
Company Response:
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Citizens credit card I paid my credit card off having problems for the last two months with payments being made, and not being posted interest late fees being charged to my account then charging interest rate when card was paid off, then calling collections and putting my name in collections in all three credit bureaus For {$5.00}
Company Response:
State: MA
Zip: 02346
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: 2023-07-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Citizens Bank in XXXX OH XXXX XXXX XXXX XXXX Recently started account with Citizens Bank in XX/XX/2023. Few Weeks later previously requested for account to not be closed because I had a tax return being direct deposited into this account. When my money was deposited on XX/XX/2023 I was able to use some of my funds via phone. The next day when I went to nearest branch to withdraw money they closed my account and put it in review for some apparent reason. Its frustrating because I been waiting for weeks now, behind on payments promised to be met and I believe Im still in review currently. I started this account to access funds for a vehicle for my transportation and to help start a family business in the summer. Also was going to pay a couple bills I was behind on including rent, lights and insurance. My children just recently had birthday activities cancelled due to insufficient funds caused by this action. Also school is next month and I would like to start purchasing supplies needed for me and my family soon asking for immediate assistance please and thank you.
Company Response:
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My family was directly affected by Hurricane Ian & Hurricane Nicole in 2022 as a result a payment is showing 30 days past due on my credit report. As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. I contacted the bank and was told the credit bureau makes that decision which is not true.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citizens Bank Consumer Reporting Department XXXX XXXX XXXX XXXX, RI XXXX Subject : Dispute and Correction Request for Incorrect Information on My Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious concern regarding the reporting of inaccurate information on my consumer report by Citizens Bank. As a loyal customer, I have always valued the services provided by your bank and the importance you place on maintaining the accuracy of customer financial information. Upon reviewing my consumer report, I have identified several discrepancies and errors that have been reported by Citizens Bank. These inaccuracies have had a significant impact on my creditworthiness and financial reputation. I have attached copies of my consumer report, highlighting the incorrect information, for your reference and review. The following issues require your immediate attention and corrective action : 1. Incorrect Account Status : My consumer report indicates that one of my accounts with Citizens Bank is in default, despite the fact that I have consistently made timely payments and have no outstanding balances. This inaccurate account status has negatively affected my credit score and has created unnecessary financial hardship. 2. Erroneous Late Payments : There are several instances on my consumer report where late payments have been reported for accounts that have been consistently paid on time. These erroneous late payment entries have distorted my credit history and have caused substantial harm to my creditworthiness. 3. Inaccurate Balance Reporting : The reported balances on my consumer report do not align with the actual balances on my accounts. This discrepancy has led to confusion and misrepresentation of my financial standing, potentially impacting my ability to obtain credit or secure favorable terms. I kindly request that you conduct a thorough investigation into these discrepancies and take immediate action to correct the inaccurate information on my consumer report. It is imperative that Citizens Bank ensures the accuracy, fairness, and integrity of the information reported to credit reporting agencies. I also request that you provide me with written confirmation once the necessary corrections have been made and the accurate information has been reported to the credit reporting agencies. I understand that errors can occur, but it is essential that Citizens Bank takes prompt and appropriate measures to rectify these inaccuracies. As a responsible customer, I have a legitimate expectation that the information reported on my consumer report is accurate and reflects my true financial standing. Please be aware that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incorrect information on their consumer reports. If the necessary corrections are not made within a reasonable timeframe, I may be compelled to exercise my rights under the FCRA to protect the accuracy of my consumer report. I appreciate your immediate attention to this matter and your commitment to resolving these issues promptly. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above. Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my consumer report.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A