Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just login to my XXXX XXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX collection {$1900.00} XXXX call me and said I have an bal of XXXX Citizens call me said I have a XXXX XXXX call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my XXXX XXXX XXXX XXXXXXXX business call me saying a XXXX check was deposited and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: GA
Zip: 30601
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Several fraudulent transactions were charged against my account totaling over {$2000.00}. The fraud occurred between XX/XX/XXXX and XX/XX/XXXX. I filed a claim on XX/XX/XXXX and another one on XX/XX/XXXX. Citizens Bank refunded me {$480.00} on XX/XX/XXXX, which was for the second claim. Later I found out they denied my first claim but without an explanation. I made multiple calls to Citizen 's claim department only to be told they could not provide any details but would have someone from the fraud department call me back. After three attempts and no response, I went to my local Citizens branch and was told the same thing.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I made a mobile deposit. The check was in the amount of {$1300.00}. The bank made an error and only credited my account {$1300.00}. When my employer brought it to my attention that they shorted me {$40.00} I called the bank the first week in XXXX. I had to wait well over an hour for a customer service rep to get on the phone. She said that the bank would fix the error and we should have the credit by XX/XX/2023. As of today they have not credited us the {$40.00} that they shorted us and I have attempted to call them multiple times and have also utilized the online chat feature but have never been able to speak with a customer service representative. You are just kept on hold indefinitely. Even the Chat feature is unmanned ( transcript attached ). I tried the chat feature and called again today with no live person for over an hour.
Company Response:
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I deposited {$1700.00} into the atm at Citizens bank in XXXX, RI. The ATM returned {$20.00} then said there was an error. The ATM tried to return the rest of the money and you could hear it trying but nothing came out. When I tried to ask it to return the money it said an error has occurred but no receipt came out or error paperwork. The money ( {$1600.00} ) was never credited to my account. I called the bank while at the ATM and they said they would call me within 24 hours. I never received a call. My boyfriend and I called on XX/XX/2023 and spoke with someone. They said no one was suppose to call us and they need to count the ATM. However, on XX/XX/2023, the branch where the error happened, a technician went to the atm that morning. So, they did send someone out there. I found this out by calling the branch on XX/XX/2023. I spoke with a supervisor at Citizens Customer Service named XXXX. He said they put an expedited claim in but they still havent contacted us or anything. We havent had our account credited or anything. We got the feeling that unless we really push this, we wont be returned the money. That money was from both our jobs and is meant for our bills that we are now late on. We called our car insurance to try and explain the situation. They understood but couldnt promise anything like our insurance lapsing. Which will cost us extra money. The atm has cameras so they should be able to see everything that happened in case there is an error with the atms software and it doesnt report the logs properly.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, my name is XXXX XXXX, I have an account with the Citizens bank. I get my salary as XXXX XXXX every 2 weeks for the past 2 years. The bank used to release my money on the 2 nd business day after it had been deposited. Lately they started holding my money for 8 to 10 days, even though there is money on the company account, I have checked with the Payroll lady. My bank account number is : XXXX This is my 3 rd check that is being held. I have to pay bills and I can't because they keep doing it. Please help if you can. Thank you.
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I noticed a {$29.00} late fee on my Citizens Bank credit card. My bill was due XX/XX/2023. I set up automatic payment with my paying financial institution ( XXXX XXXX ) to pay the bill by XX/XX/2023. XXXX reflected they sent the payment on XX/XX/2023 and was received by Citizens Bank on XX/XX/2023. I called Citizens Bank to inquire about the late fee, was told the late fee would be removed since the payment should reflect on my account within a few days. No other fees were mentioned by the agent. On XX/XX/2023 I noticed the full amount owed was reflected on my account, the late fee removed but now showed a {$320.00} interest charge. I made contact with Citizens Bank inquiring about the interest and asked for the interest to be removed since the bill was paid prior to the due date. The agents insisted that the payment was not received by the due date, that it was received on XX/XX/2023, would not remove the interest fee and recommended I contact XXXX to have them pay the interest fee. I recontacted XXXX and was told again that the payment was sent well in advance ( XX/XX/2023 ) and received by Citizens Bank by the date I requested ( XX/XX/2023 ). I recontacted Citizens Bank and was now told the amount of {$150.00} could be removed from the interest fees but that was the maximum they could offer. I said I would take that but that I was still going to contact CFPB because I made the proper plans to have the bill paid by the due date. At the time I am submitting this complaint, I have not received the {$150.00} reduction on the interest that Citizens Bank stated they would do.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX is ( 1 ) removing money from our Citizens Bank account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our Citizens Bank account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Oh boy, where do I begin. So to start this whole nightmare off, my account was frozen for literally no reason for over a week. I could not access my money at all. Transfers were not working and online it said my account was suspended. No suspicious activity or any reason why that would have to be done. Then I spend OVER 3 HOURS on the phone with them being transferred between departments and gaslit by one employee saying there was nothing wrong with my account and there's nothing he could do. I push him to talk to someone else because I know he's lying to my face. Well, the next person I talked to says my account is suspended but doesn't know why but I can get transferred yet again. I was on hold for hours and then what do you know, the line magically dies! I also tried to reach out on XXXX to get a response and nothing. I was forced to file a CFPB complaint after it became clear I wasn't going to be able to get my money. Never in my wildest dreams did I think I would have to fight this hard and lose hours and hours of my life trying to wrestle my money back from a shady bank. I was finally contacted by someone now that I filed a complaint. By then I had figured out I could get money out of my account by making a credit card payment. I looked in my account, saw I had MORE than one of my credit card bills and paid it. It worked and I thought this whole mess was over. I was wrong. I get a message from my credit card company saying the payment was ACH reversed and I'm being charged a fee because of it. Now hang on... I had the money so why would they do this? I go into Citizens and they're now saying I have insufficient funds which is NOT TRUE. Even if it was, they would need to refund the money which they have reversed for no reason. It shows a credit of the amount refunded, but is not reflected in my balance. Flash back a week in the future and it's still not there. This is scary, but I figure it's a bug. If you've ever used this garbage app, you know they're quite common. So I paid an even lower amount and it is ACH refunded again. I'll now be charged {$60.00} worth of fees and AM STILL MISSING OVER {$400.00}. Since then I've emailed the chairperson from my last complaint to absolutely no response. It's been over a week. I am livid to be blatantly robbed by a bank.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: Saturday ; XX/XX/XXXX PLEASE HELP ME!!! I reached out to find out where all of my shares went? and why is my account balance now XXXX .... I have two accounts, one with 191 shares and the other with 63 shares and reached out to the company to find out where are my shares and why am I now showing a XXXX balance in my account ...??? I also asked what were my balances prior to this XXXX balance and the rep had absolutely no answers for me. I asked to see all of my statements for XXXX & XXXX and none of my statements are accessible any longer... go figure... I now am seeing a new company that has given me 18 shares ...??? where are my other 236 shares ...??? and the cost/rate of my missing shares, due to me...??? I also asked what is the financial comparison to what I owned to what was given... again absolutely no answers...
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I used my Citizens Banking App to deposit a check ... mobile deposit. I read the fine print and was situated to wait a few days for my money to clear. Five days later i receive {$220.00} out of my XXXX XXXXXXXX check and am informed that the rest of the funds will be available XX/XX/XXXX ... ... XX/XX/XXXX!? I don't even understand that's an entire week later than any other bank. This has cost me late fees and to be threatened with eviction for unpaid rent. I would really like an explanation as to why I should cope with those things and I've been to the bank to receive the rest of my money and nothing will be done and no explanation as to why my check is " suspect '' from my employer. Hands down it just seems criminal the amount of time I've waited to get to my own money no other bank would have taken this long.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A