Date Received: 2023-06-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was a victim of fraud on XX/XX/2023. Someone pretending to be XXXX XXXX got into my phone and payed themselves {$1000.00} from my Citizens accounts. {$500.00} was paid through XXXX, which I have never used in the past. I was refunded that {$500.00} from Citizens and that case is now closed. The other {$500.00} was through XXXX XXXX, out of my citizens checking account, which I also have never used in my life. It was paid to a foreign name, not a business. I received a {$500.00} refund from Citizens for XXXX fraud, but 1 month later, they took it back claiming XXXX said fraud did not happen. I have no idea how XXXX XXXX would know that, they weren't the victim, and they also had no idea another {$500.00} was stolen and already refunded by Citizens. I called Citizens over and over and over. They kept telling me it was denied, I wasn't getting my money back and there is no way for consumers to get in touch with the fraud department. I asked over and over for a call back from the fraud department to explain that within a few minutes, this person stole {$500.00} and {$500.00} from me and they approved the refund for the XXXX {$500.00} and not the XXXX XXXX. II never received a phone call. They were within minutes of each other to the same name. Again, they said it was because XXXX XXXX claimed there was no fraud, but I have absolutely no idea how XXXX would know that. I also don't think it is fair that Citizens refunded me the {$500.00} for XXXX, but took it back a month later. I was a victim and I cried for hours over this. I never used XXXX or XXXX money ever in my life. I changed all of my cards through Citizens. I still use Citizens because all of my bills are paid through them. I intend on switching banks if this does not get resolved. I have been a customer with them for over 18 years and this is not how you treat your customers. {$500.00} is a lot of money for me and my bank should protect me if fraud happens through my accounts with them. I am very unhappy with them, this situation and their customer service for fraud issues.
Company Response:
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX reported unauthorized enquiry on my credit report with XXXX on XX/XX/XXXX. Citizen Bank reported unauthorized enquiry on my credit report with XXXX on XX/XX/XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citizensbank. Opened an online account and deposited {$510.00} on XX/XX/XXXX. After several days, was unable to log into the online account. Called Citizensbank and was transferred to tech support, which took an hour to answer. At this point, I was told the account was closed and that I would be receiving a check for the initial {$510.00} deposit within 10 business days. After 10 business days had passed on XX/XX/XXXX, I still had not received the check. At this point, I called and was told the account was not closed but that the bank had chosen not to continue business with me but provided no reason. I was told once again a check would most likely be coming. I was given no specifics on when that check would arrive or tracking information or anything. I was then told I would again not be able to get online access to simply withdraw my own money.
Company Response:
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Went to close our checking account and was told we were denied until we payed off are loan. Which we never knew about.was told we took out loan of overdraft line of credit we never did that. Back in XXXX they said is when it started. I remember being told by someone at the bank that I can get into a offer that I could put {$20.00} each month in case I would over draw on my account and I thought that was a good idea ( something like a savings account ) never knew about a loan.now XXXX trying to close the account and was told we owed them {$810.00} the interest is ridiculous. Never received nothing all this time not XXXX letter.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Operations XXXX XXXX XXXX XXXX XXXX CT XXXX Subject : Consumer Complaint Regarding Violation of FCBA Provisions Dear Citizens Credit Card, I am composing this letter to lodge a formal complaint against your company due to its failure to comply with the dispute settlement procedures outlined in the Fair Credit Billing Act ( FCBA ). Creditors who engage in prohibited involuntary collection attempts for unresolved billing error disputes within the two billing cycle requirements of the Fair Credit Billing Act ( FCBA ), as stated in 15 U.S.C. 1666, may face penalties. Furthermore, the FCBA prohibits creditors from threatening to report or reporting your non-payment to anyone, safeguarding your credit reputation. Below are the details of the incident and the specific FCBA provisions that have been violated : 1. Incident Details : Date of Billing Statement : XX/XX/XXXX XX/XX/XXXX, statements Billing Statement Account Number : XXXX XXXX XXXX - XXXX Description of the Disputed Charge ( s ) : Dispute Case # : XXXX Transaction Details : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Disputed Chargeback Amount : {$360.00} Refund Requested : {$120.00} Dispute Case # XXXX Transaction Details- BILLING DISPUTE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AZ XXXX Disputed Chargeback Amount : {$340.00} Refund Requested : {$340.00} This chargeback was initiated due to a breach of guaranty claim against XXXX and XXXX XXXX XXXX citing merchant misrepresentation in the process and negligent claims investigation. 2. Violated FCBA Provisions : Failure to acknowledge receipt of my written dispute within 30 days, as required by Section 1666 ( a ) ( 3 ) ( A ) of the FCBA. Failure to investigate the disputed charge ( s ) and provide a resolution within a reasonable period, as mandated by Section 1666 ( a ) ( 4 ) of the FCBA. Engage in prohibited involuntary collection attempts for unresolved billing error disputes within the two billing cycle requirements of the Fair Credit Billing Act ( FCBA ), as stated in 15 U.S.C. 1666. Incorrect reporting of the disputed charge ( s ) to the credit reporting agency, in violation of Section 1666 ( a ) ( 6 ) ( B ) of the FCBA. 3. Supporting Documentation : Attached to this complaint is a copy of the original billing statement highlighting the disputed charge ( XXXX ). I have also included a copy of the written dispute letter that I sent to your company on XX/XX/XXXX. Additionally, I have retained any relevant correspondence, such as letters or emails, that may help support my complaint. 4. Desired Resolution : I request a thorough investigation into the disputed charge ( s ) and a prompt resolution in accordance with the FCBA provisions. If the investigation reveals an error, I expect a correction to be made, and the credited amount should be reflected on m y account statement. I also request the immediate rectification of any incorrect information reported to the credit reporting agencies. 5. Legal Ramifications : Please be aware that violations of the FCBA may result in penalties, including actual damages, statutory damages, and attorney 's fees. I hope to resolve this matter amicably, but I am prepared to take further legal action to protect my rights as a consumer if necessary. I kindly request that you acknowledge receipt of this complaint within 7 days and initiate the investigation promptly. Please provide me with a written response detailing the steps taken to address my concerns and the proposed resolution. I believe in your commitment to upholding consumer rights and complying with federal laws such as the FCBA. I trust that you will give due attention to this matter and take appropriate action to rectify the violation. Thank you for your immediate attention to this complaint. I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Company Response:
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have applied for a bussiness credit card at CITIZENS BANK and the manager started telling me that I need to upload three bank statements and first bank statements are very delicate personal information and I have a contract with vendors and my clients I cant disclose any of those bank statements. I have sent tax return to the bank that shows enough income and verification attached I sent as well XXXX and state registration of the corporation. I have asked what other ways I could comply with requirents when in disclousures for that credit card it doesnt disclose that bank statemts are needed. Now when I sent the bank that they are doing discrimination to me because they are offering less favorable terms for me to make it imposible to get the credit card. I need a response in 15 days or I will legally take them to court for discriminating my bussiness since there is not disclousures that says that for that exact credit card I need any documents specially when by law under XXXX loan or credit card should be applied without documents..
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To whom it may concern : I have requested the True Bill of Sale or Contract that was made between company and entity XXXX XXXX. I have made this request several times. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XXXX XXXX XXXX under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2023, I connected with a person on XXXX XXXX ( of which we have mutual friends ) that posted that they were selling XXXX XXXX tickets for the night of XX/XX/XXXX. The tickets were agreed upon at {$270.00} a piece and were to be transferred via XXXX from one account to mine with associated email and phone number. On XX/XX/XXXX and XX/XX/XXXX, in installments, I sent a total of {$720.00} to two XXXX accounts, as indicated by the person I was in contact with. The person indicated they had sent me the tickets, but I never received them. The person indicated they would contact customer service to resolve the issue. After not responding in XXXX for a whole day, on XX/XX/XXXX, the person confirmed my phone number and email and then blocked me on XXXX. On XX/XX/XXXX, I reported the accounts as a scam to XXXX. XXXX indicated they would not be able to return the funds. I requested the funds back from the person 's account through XXXX, but the requests were denied. I filed a debit dispute with Citizens Bank on XX/XX/XXXX. I provided the information I was asked for over the phone. On XX/XX/XXXX, I received a notice in the mail from Citizens asking for more information and any evidential documentation. I emailed these items to Citizens debit disputes that same day. Dated XX/XX/XXXX and received on XX/XX/XXXX, Citizens Bank reported that they have closed the investigation, as no error occurred and I should try to resolve the issue with the person. I had tried to do so prior to contacting Citizens. An error has occurred, as I did not receive the goods as promised, the person has declined my requests and has blocked my ability to further contact them.
Company Response:
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Good afternoon. Opened a checking & savings account. Unfortunately did not receive the full bonus of {$600.00}. ( Received only {$300.00} ). All requirements were met. Even called in to verify requirements and was assured.
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ( Citizens Credit Card ) In XXXX XXXX XXXX I had received an email of suspicious activity on my account that an XXXX XXXX XXXX charge and to call fraud services. I called and confirmed that was not a charge I had ever made. Citizens fraud service cancelled the card and removed the charge from my statement and issued a new card. Fast forward to XX/XX/XXXX. Unbeknownst to me my account shows an approved charge of {$10000.00} to XXXX XXXX XXXX I only discovered this after failing to buy groceries on XX/XX/XXXX and my card was declined. I had tried to call fraud services for 48 hours until someone finally answered on Saturday morning! ( I have proof of calls made and time spent on hold ). The gentleman I spoke with said I maxed out my account! Uhh you dont say Im calling fraud services for a {$10000.00} charge approved by your company on an account with a {$2500.00} credit limit. Mind you no communication was ever made. The gentleman said he put in a claim and I was not responsible for that charge. He was not professional and seemed unfamiliar with processing a claim. I called the following day to get a claim number so I could have some sort of documentation, the woman I spoke with said a claim is not on record and she was more helpful and provided me a claim number. She had said that I was not responsible for the amount and that it would not show on my statement. Well I just got my statement and it indeed shows I am still responsible for this amount. I am so disgusted with how Citizens has handled this issue. And under further investigation by myself that {$10000.00} charge that was approved has the last 4 digits of the original card that was supposed to have been cancelled!
Company Response:
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A