Date Received: 2023-07-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made two payments on line to pay off my second lien. I selected the only option for final payment that it would allow. When I saw I still had a balance owed after the first attempt, I called Citizens directly and spoke to a customer service rep to confirm I was paying the right amount. They confirmed and I made the second payment. About three months later I get a letter saying my mortgage is past due and I owe another {$500.00}.
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Tried opening an account with truist bank was denied because of a report from citizens bank saying account abuse my card was stolen with my id social and account pin inside and my account was over drawn without my knowledge
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a strange email at XXXXXXXX XXXX from Citizen 's Bank telling me that my application was denied. I never submitted an application for Citizen 's Bank and have no reason or interest in having an account wirh Citizen 's Bank since my bank is with another entity. I was unable to call Citizen 's Bank about the fraud because it was after hours and a holiday so I filed a complaint online with Consumer Finance Protection Bureau. I am concerned that someone has my personal information and is attempting to do me harm.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: When I opened the account in XX/XX/2023 I was promised two different cash bonuses of {$300.00} each after three months. One was for having a direct deposit to the checking account and one was for keeping a certain amount in the associated savings account. Not it's XXXX and neither bonus has been applied to my accounts. I have made several attempts to contact Citizens Bank by phone to inquire about the status of the promised bonuses but each attempt has been unsuccessful. They often have ended my call abruptly. I have nowhere else to turn. Please help. Thank you.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, Citizens Bank sent me a text alert, asking if I authorized charges on my debit card. I responded No, I did not authorize these charges and called Citizens Bank immediately. I was told they must allow the charges to post to my bank account in order to open an investigation even after I told them I did not purchase any of these charges from my debit card. I have called XXXX times and visited local branch XXXX times to get my money back into my account and was told I have to wait for their claims department to call me. No one has called me as of XX/XX/XXXX. The following charges are fraudulent charges and Citizens Bank refuses to honor their policy of XXXX liability XXXX card unauthorized transactions. All these XXXX following charges posted to my account on XX/XX/XXXX. The charges are all from the same merchant XXXX com bill, XXXXXXXX XXXX {$15.00} / XXXX charges for this amount {$5.00} / XXXX charges for this amount {$10.00} / XXXX charges for this amount {$21.00} / XXXX charges for this amount
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello. I am a victim of XXXX fraud. I have a debit card through Citizens bank which is tied to my checking account. I noticed that my account went into overdraft protection and I received an alert about that. This is what led to me noticing the fraud. I never lost physical posession of my debit card but somehow someone got the information and was using it to withdraw money through XXXX. I have never used XXXX I do not have an account on that website and I have no affiliation with them. I called Citizens bank to report fraud that I discoved on XXXX ( ref number XXXX ). There were 26 seperate charges for XXXX each totaling XXXX from XXXX that I did not make. This occurred from XX/XX/XXXX to XX/XX/XXXX and each transaction was exactly XXXX. I still can not understand why this was allowed to happen. This is clearly fraudulent activity and should not have been allowed to occur. Citizens did nothing to protect me from this whatsoever, it occured over a month. They took XXXX at a time every day or so, maybe skipped a couple and then took another XXXX, 26 times making it difficult for me to notice unless I logged on to look at my account. Citizens NEVER flagged someone taking out XXXX a day, 26 times.. This is unacceptable. Citizens closed the debit card and sent me a new one through the mail. They told me that the stolen money would be returned to me 3-5 business days. This did not happen. Nobody has contacted me about this fraud after my initial report. Nobody has mailed or emailed me anything in writing. Nobody has called me about this. I understand there was a recent lawsuit files against Citizens for this exact same reason. It seems they have not learned their lesson and have no refunded me. I have NEVER reported fraud in my life this is the first time and I deserve to have the protection advertised to me. Citizens is not follwing their unauthorized transaction policy nor their debit card zero liabilty policy. In addition, I have already received one overdraft notice ( which results in a {$35.00} fee ). I am now about to get another overdraft notice because it is now XX/XX/23 and my money has still not been returned. I tried calling Citizens bank again on XXXX and asked to speak with a manager. I have now been on hold for 57 minutes and a manager is not answering my call. XXXX is the fraud number and the number I called.
Company Response:
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Closed a business account and a personal as retaliation for filing a complaint with your agency. The business account was just opened. Immediately after filing a complaint my accounts were closed.
Company Response:
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citizens closed my account without providing any reason.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone committed fraud and stole my identity, they had a bank account under my name called Citizens bank which I was unaware until I looked at my credit report
Company Response:
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A