Date Received: 2023-06-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 We were contacted by the Delaware State Police ( Corporal Cavannah ) and informed that someone had tried to access our account ( twice ) on that day to withdraw {$6500.00} and {$7200.00} at two different Citizens Bank branches in that State. They did so by using a fake ID in my husbands name ( XXXX XXXX ) Using Citizens protocol they were able to determine that he was not my Husband ( the joint account holder ) and upon the second attempt, the police were called and this man was arrested and charged with ( 7 ) felonies. We immediately checked our account and found that {$6500.00} was withdrawn from a Citizens Bank in XXXX XXXX NJ on XX/XX/23. This was not the accounting holders and took place in another state as we live and bank in XXXX We immediately informed Citizens Bank of this and asked that they told us that they would note the account add additional security to our account and connected us with their Fraud Department who took the rest of the information and told us to contact our XXXX XXXX on Monday XX/XX/23 and to close that account and open another checking account. On XX/XX/23 We also then filed a police report at the behest of the Delaware XXXX Police. On XX/XX/23 at XXXX am I received a call from Citizens Bank in XXXX NJ ( XXXX - XXXX XXXX she informed me that someone had also tried to withdrawal funds from their bank using the same ID but that following Citizens protocol this person was refused ( He did not know basic information about the account holder ) they were able to look on their outside camera and see this person getting into a truck with the wrong tag number and recognized the truck from previous efforts to access other accounts at the bank. They noted this information in the system. At XXXX am I again checked my balance and immediately saw that there was another {$15000.00} missing from our account. I immediately spoke with our local branch ( XXXX XXXX PA - XXXX ) and he was able to see that this was a wire transfer attempt through the ACH system and he was able to put a an immediate hold on the transfer and pull the transaction back. Our Account was put on hold until we could get into the bank that day. By Early afternoon we had filed a separate report with our local police department ( XXXX XXXX PA ) and opened a new Checking and savings account with Citizens. However, we were told while these two issues were pending ( the {$6500.00} theft and {$15000.00} attempted theft ) we would not be able to close the original checking account. Instead, they were going to put the account on hold. We also spoke with XXXX XXXX of the Delaware State Police and she reported the additional attempted theft and theft to the Delaware XXXX. Since that time we received a total of XXXX letter the week of XX/XX/23, one asking us to provide a written complaint for the theft of the {$6500.00}, one erroneously claiming that the {$15000.00} attempted wire FROM our account was somehow a DEPOSIT issue ( giving them the right to hold that {$15000.00} until the beginning of XXXX and one letting us know they were investigating the matter. None of these letters gave us a contact person or investigators name. None of the money has been returned to the account at any time. The hold on that account has been lifted twice ( they told us that they can only hold the account a certain amount of days ( they never tell us it is lifted, leaving us to check every day and request it be attached again ) .Despite 29 subsequent calls, we have not been given a single piece of information about the investigation or when our money will be returned to our account. Despite 6 additional calls to our local branch they are not able to provide us with any additional information. We have never been contacted by an investigator or any person from the bank. It has now been 55 days since the {$6500.00} was stolen from the bank in Mt XXXX NJ and we have never been contacted by the State Police or Citizens about this issue. It has been 53 days since the {$15000.00} was NOT taken from the bank because WE caught the issue and had it stopped, and we still have not had that money returned to our account although Citizens does have access to OUR money. We have the continued concern that this now compromised account ( that we can not close ) is a springboard to our other accounts and the ONLY protection from this is the same security that failed to protect our funds in the first place. We really need help to address this issue. Please let us know if you need account statements or other identifying information. Under the circumstances, we didnt want to include them in a preliminary complaint, but will be happy to provide them upon request and under separate cover. Thanks
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX To Whom it may concern, I would like to initiate a formal complaint against Citizens Bank Inc. for their predatory banking practices and failure to comply with Federal Banking under the COVID19 Cares Act. Around XXXX of XXXX I began experiencing financial hardships due to XXXX, my wife and myself had multiple XXXX health issues, numerous incidences of XXXX and vaccine related injuries, my company reduced overtime, record inflation occurred, and we had tenants that could not pay rent. We made the difficult decision to explore XXXX Forbearance and contacted Citizens around XXXX of XXXX for advice. We spoke to them and learned we could use the forbearance program offered under the cares act. We accepted and were told that we would have 18 months and at the conclusion we would have the opportunity for a loan modification and loan rehabilitation. Well, we had no idea of the nightmare awaiting us. In the beginning we were told the program was 18 months, I never got anything in writing, Loss Mitigation told me not worry, many people were facing financial hardship and the laws were strong on this. Soon after I found out this was misinformation, in fact I frequently had to check in and extend the forbearance every three months. I routinely contacted Loss Mitigation as instructed ad did what they instructed me to do. The real trouble started in XXXX of XXXX when I was informed that my forbearance was in fact terminated as the Cares Act Laws had changed. Well, I was a little freaked out now, what do I do now? For the record I was told all the conversations would be taped, apparently not, more on that later. I spoke with a XXXX in Loss Mitigation on XX/XX/XXXX, she had told me that there was a computer transition error and that my forbearance was not extended but not to worry, she spoke to her supervisor and that it would taken care of and to call back next month. I called next moth and spoke to XXXX and was told to start the Loan Modification process. I started the process and by the time every was ready to go, I made payment XXXX in XXXX, payment XXXX in XXXX. Later in XXXX I was told my XXXX was too high to get approved and that I needed to pay down debt or show more income. I submitted additional income sources as was requested which subsequently caused the application to fail as these income sources were not disclosed at the beginning. I spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and was told a new package would be sent to me to reapply for a loan modification. Making matters worse when the loan mod is not under review, I was not allowed to make payments. No loan repayments were made in XXXX due to this factor, I made a repayment in XX/XX/XXXX. Sometime around XXXX I made the decision to sell our house and try to downsize our mortgage commitment and trade into more affordable home that we could afford and that would not rely on tenant income. To my surprise we received a generous offer which we accepted. I found a home in XXXX XXXX which fit our criteria. I let Citizens know we were in the process and have continued to reapply for loan modification. During this this I also lodged a formal complaint with Citizen Office of the Chairman and have been working with underwriter, XXXX XXXX on the loan modification. I made an additional payment # XXXX in XXXX of XXXX. I stopped repaying as we are in contract and I as far as I know I am not required to repay while my loan is being considered for a loan modification and we are closing in less than one month. In closing we feel treated terribly and would like to discuss this matter with someone from the CFPB at your earliest convenience. There is much more to this matter that needs additional discussion. Additionally, all the customer support was very poor quality, in my opinion they seemed to be of extremely poor quality and barely spoke English in many cases, frequently gave incorrect and damaging information that hurt my case. Looking forward to speaking with you and resolving this matter with Citizens Bank. Best Regards, XXXX XXXX
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received emails from Citizens Bank on XX/XX/2023 about a new Checking and Savings account opened in my name. I have never had an account with this bank.
Company Response:
State: KY
Zip: 40391
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is to dispute the baseless erroneous delinquencies reported to the credit bureau when the balloon mortgage I had with Citizens for 15 years matured, effective XX/XX/2022. Since filing two earlier disputes on this same issue, I have received additional information to support my contention that my account wasn't managed as it should have been once it matured, and I applied for a loan modification. Prior to the loan maturity date, I received XXXX letters reminding me of the maturity date and the options that were available to me to satisfy the balloon payment. The letters stated that the only payment Citizens would accept would be the balance of the balloon payment unless alternative arrangements had been made. The letters offered XXXX options. The option I chose was to apply for a loan modification. I timely submitted all required paperwork XX/XX/2022, and the modification was finally issued XX/XX/2022. The delay was due to citizens receiving a XXXX party valuation which was out of my control. While, the delay was pending, Citizens continued treat my account as if it were still active and sent me delinquency letters even though I tried to make the payments they said they would not accept, did not accept -- payments I tried to but were returned. I was also informed by Citizen employees that once I applied for a loan modification certain protocols should have been put in place but were not. The delinquencies were based on system generated letters not applicable to the true status of my account. Citizens has also stated that the delinquencies were based on my not paying the balloon in full. If this is the case, why did the 4 letters state that the balance was due unless an alternative arrangement was made and I timely applied for a loan modification as an alternative arrangement. Again, the delinquencies were based on a false narrative that my account was active, and I abruptly stopped making payments. In addition, as you will see in the attached documentation, the alleged delinquencies were based on the {$770.00} monthly payments on the mature loan for the 4 months my loan modification was pending, and not on my failure to pay the balloon on XX/XX/2022. They fail to acknowledge or even consider I made an alternative arrangement to satisfy the balloon payment and they did not accept the monthly payments, even returned the payments went on to state the payments were delinquent. I learned that once I applied for the modification, credit reporting should have been put on hold as they could not accept them, and records/documents should have been updated to show the true status of my account. Rather, my account was mismanaged, and Citizens continues to promote this false narrative that I did not pay this account for 4 months. ( Please see attached supportive documents. )
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My bank account has not been allowing transfers for days and now my account is suspended for no reason. I can't pay my rent because these crooks are holding my money. I've now been on the phone for over two hours and have spoken with 4 people. One of them tried to gaslight me into saying my account wasn't suspended when it clearly said so on my account. This bank is clearly not fit to be handling anyone 's money.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: As disclosed herein XXXX XXXX XXXX XXXX & XXXX was subject to a cybersecurity attack culminating in ransomware from XX/XX/XXXX to XX/XX/2022 ( the Incident ). XXXX & XXXX endpoint security detected and terminated the ransomware shortly after it executed. With assistance from third-party experts, XXXX & XXXX took immediate steps to secure its systems and investigate the nature and scope of the Incident. On or about XX/XX/2022, XXXX & XXXX discovered that the Incident may have impacted protected health information ( PHI ) or personally identifiable information ( PII ). We have found no evidence that your information was misused. XXXX XXXX XXXX failed to prevent 2022 data breach. In response to the attached letter, I mailed it to each of the three major credit bureaus to request a fraud alert to be placed on my credit report. As an asinine response, as if these people working for XXXX, XXXX and XXXX don't understand basic English, or don't care to read it, I received a credit report from each, but neither made mentioned the need that creditors have purported for a phone number to be on file. In fact, when I called each entity every time a creditor, namely XXXX XXXX XXXX ( co-brands with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX XXXX ( who failed to communicate this, until I pressed the issue after waiting 48 days to receive business cards to reflect the approved $ XXXX and $ XXXX application letters, which I will address further on another report ) stated that they could not move forward with my credit card applications, notwithstanding a section of the Ohio Revised Code ( 4112.021 Unlawful discriminatory practice of creditor ) which in part, prohibits creditors from discriminating against any applicant for credit in the granting, withholding, extending, or renewing of credit, or in the fixing of the rates, terms, or conditions of any form of credit, on the basis of race, color, religion, age, sex, military status, marital status, national origin, disability, or ancestry, ( except that this division shall not apply with respect to age in any real estate transaction between a financial institution, a dealer in intangibles, or an insurance company as defined in section 5725.01 of the Revised Code and its customers ). They try to circumvent the discrimination claim by purporting that they can not verify us, namely people of color, or if we have a fraud alert on our credit report, which is not visible, they require us to endure a personally identifiable information ( PII ) exposing verification process via an interrogation- over the airwaves of VoIP - that they purport is only a verification process, but they refuse to provide their first and last name, representative identification and/or city in which they are working. I am sure there is a label on ANY account that I hold per my vehemently complaints about the lack of fairness in communication and privacy as we never know who is interested in collusive activity. In addition to that, the credit bureau representatives purport that none of the phone numbers that are on your credit report is the one on your account for the fraud alert. This is institutional discrimination which prevents us from accessing working capital and the like. Of the three credit bureaus, XXXX has NOT sent me a printed copy of my credit report, no matter how many times I have requested it annually or when I am denied credit for my businesses by asinine decisions of creditors.
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Re : Citizens Bank Master Card Account XXXX. XXXX XXXX XXXX XXXX Account Holder : XXXX XXXX, died XX/XX/XXXX Former Authorized User : XXXX XXXX XXXX Issue : Approximately {$2400.00} of charges incurred in XX/XX/XXXX and XX/XX/XXXX As I worked to resolve this issue of unauthorized credit card use after my mother passed on XXXX XXXX, XXXX, my treatment by Citizens Bank led me to make the following written statement : These combined actions give strong consideration to the theory that this is about far more than a fraudulent {$2400.00} debt. Perhaps Citizens Bank has a systemic problem and this is just the tip of the iceberg, requiring investigation by experts outside the banks influence. Little did I know at the time that the Consumer Financial Protection Board ( CFPB ) was already investigating Citizens Bank for very similar complaints. Specifically, CFPB 's XXXX lawsuit alleged Citizens Bank failed to reasonably investigate consumer claims of unauthorized credit card use and failure to issue proper credits when such unauthorized card usage had occurred. The suit resulted with a {$9.00} XXXX dollar fine to Citizens Bank, in XXXX, to satisfy findings of wrong-doing by the CFPB. My experience appears to contradict Citizens Banks general counsels claim that the issues " were self-identified and voluntarily addressed years ago. In fact, Citizens Bank refused to acknowledge this credit card fraud even after it was provided to the Chairman 's Office on a silver platter. Specifically, XXXX XXXX, from the Chairman 's XXXX, can attest that she had considerable difficulty obtaining a response from a number of departments at the bank, apparently because no one at the bank wanted to take responsibility for these shameful actions of Citizens Bank, especially during a CFPB investigation. Citizens Bank continually refused to follow their own written policy to deal with my claim of unauthorized credit card use. This occurred even as the bank was being investigated by the CFPB for mismanagement of customer credit card disputes and fraud claims. All through this arduous process, the banks actions seemed calculated to intentionally create obstacles. The bank silenced their own employees who identified this unauthorized credit card use as fraud. The bank stonewalled my inquiries and failed to provide written notice when Citizens Bank reversed its initial decision that fraud had occurred. Citizens Bank then doubled down by enlisting a notorious second collection agency, XXXX XXXX, to pursue me within FOUR DAYS of reading my letter of complaint regarding this unauthorized credit card use. In fact, XXXX XXXX initiated communication on a SUNDAY. This action has the hallmarks of retaliation. Note that XXXX XXXX XXXX XXXX XXXX XXXX, the first collection agency, had initiated efforts for the {$2400.00} debt, 42 days earlier. Citizens Bank made no attempt to collect payment from the unauthorized user even though the bank 's own website stated that their policy was to do so. Per their policy, since the unauthorized user made charges and some payments after the date of death, the unauthorized user assumed responsibility. Citizens Bank had the name and address of the unauthorized user who made the unauthorized charges and refused to pay. Citizens Bank had proof that the unauthorized user had full knowledge that the card holder was deceased when he made the unauthorized charges months after her death. Citizens Bank ignored their own written policy and assigned the unauthorized charges to XXXX XXXX estate. THESE UNAUTHORIZED CHARGES WERE INITIATED MORE THAN FOUR MONTHS AFTER HER DEATH! How can Citizens Bank be allowed to hold anyone responsible for charges initiated more than four months after their own death? Citizens Bank allowed the unauthorized user, who incurred the expenses, to walk away without making payment. Furthermore, the bank apparently made no attempt to collect from the unauthorized user and never assigned a collection agency to seek repayment from the unauthorized user. An outside agency needs to oversee a serious investigation into this unauthorized credit card use and why the bank 's written policy was not followed. Please see the following letter dated XXXX XXXX, XXXX, from me to XXXX XXXX at Citizens Bank XXXX Office of the Chairman. The letter provides a brief summary and timeline of events regarding the unauthorized credit card use. XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Office of the Chairman Mail Stop : XXXX Citizens Fulfillment Services XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Citizens Bank Master Card Account No. XXXX XXXX XXXX XXXX Account Holder : XXXX XXXX, died XX/XX/XXXX Former Authorized User : XXXX XXXX XXXX ( XXXX ) I am following-up on my letter of XX/XX/XXXX, and emails of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX XXXXXXXX XXXX fraudulent use of XXXX XXXX Citizens Bank ( CB ) Master Card account. Summary : Sole primary account holder died on XX/XX/XXXX. XXXX continued using the Card until making his last charge on XX/XX/XXXX. After the death of the sole primary account holder, XXXX made five payments totaling {$6200.00}. All charges incurred prior to the death of the sole primary account holder were paid in full. CB submitted charges, incurred four or more months after the death of sole primary account holder, to the estate of the sole primary account holder. An experienced disputes representative in CBs Fraud Department immediately identified this case as fraud on XX/XX/XXXX. He stated that fraud was committed because the former authorized user both used the credit card and paid some bills after the death of the sole primary account holder. This decision was improperly reversed by someone in CB. CB system notes were deleted and altered to support reversed decision. CB directed two collection agencies to pursue approximately {$2400.00} of fraudulent Card charges. First collection agency initiated written contact on XX/XX/XXXX. Second agency is notorious for their aggressive, predatory, and extra-legal recovery tactics. Second agencys first written notice was dated Sunday, XX/XX/XXXX, four days after CBs Office of the Chairman employee began making inquiries. This timing appears to be retaliatory. CBs Claims Department failed to provide a written response to the Office of the Chairman explaining any basis for reverse of fraud decision. A timeline follows. Simplified Timeline of Activity Documenting Open and Shut Case of Fraud XXXX Sole primary account holder dies. Note : Each authorized users privilege ends automatically upon the death of all of the primary cardmembers. '' per CB 's website. XXXX Authorized User privileges automatically end for this card. XXXX XXXX buys ten death certificates issued in the name of the sole primary account holder. XXXX through XXXX XXXX continues using Card. Note 1 : If any person uses the Card after the privilege ends, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any balance or charge resulting from his or her use of the Card. per CB 's website. Note 2 : Credit card fraud is specifically defined in Chapter 638:5 of Title LXII of the Criminal Code of the State of New Hampshire ( NH ). Under this section, anyone who fraudulently uses a credit card to receive payments or any other kind of benefit in spite of his knowledge that the credit card was stolen, revoked or cancelled, and that he is not authorized to use that person 's payment device, commits credit card fraud. XXXX is a XXXX resident. XXXX through XXXX XXXX continues making regular payments on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX makes last monthly payment on Card XXXX XXXX makes last charge on Card XXXX XXXX files fraud claim for {$68.00} XXXX First CB correspondence ( email ) to estate executor, regarding fraudulent charges unpaid by XXXX. Note : No correspondence concerning this account/Card had previously been sent to estate executor prior to this date. Estate executor did not previously have Card account number. XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX debt collectors , mails first notice to The Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX mails second collection notice XXXX CB employee XXXX XXXX, of Fraud Dept, disputes representative, identifies case as fraud and spells out how it should be resolved within two weeks. Initiates process by entering orders into CB computer system. Note : Fraud was committed because the former authorized user both used the credit card and paid some bills after the death of the sole primary account holder. XXXX and XXXX Follow-up calls reveal CB has deleted XXXX notes in CBs system. CB employees seem cowed and are reluctant to suggest a future path to resolution or are unable to help. CBs Claims Group has reversed the decision of fraud made by experienced disputes rep XXXX, and are now asserting that the Card charges were made by an authorized user. It was further asserted that CB reached out to estate executor to advise of this reversed decision. Note : No CB employee reached out to me to advise or explain reverse of decision from fraud to " authorized user. '' XXXX Police report filed in XXXX XXXX, NY XXXX Sent certified letter detailing fraud issues to CB Office of the Chairman XXXX XXXX XXXX XXXX in CBs Office of the Chairman, begins work on case. Note : She received my letter of XX/XX/XXXX referencing Police Report. XXXX Second collection agency engaged. XXXX XXXX mails first collection notice to XXXX XXXX, dated Sunday, XX/XX/XXXX. Note : Four days after XXXX XXXX begins work on case, a second notorious collection agency sends out a notice dated on a SUNDAY. Agency skipped step of researching proper estate designation. XXXX XXXX XXXX says still waiting for Claims Department to answer her inquiry Note : XXXX email suggested possible reasons for reversing the designation of fraud made on XX/XX/XXXX. The Claims Group avoided responding to prevent further documentation that their false assertions are contradicted by CBs own published service agreement shown on CBs website. XXXX XXXX XXXX emails Descendent Processing Group to pursue inquiry as no response is forthcoming from CBs Claims Department. Actions listed above only reinforce my suspicions that some CB employees are using the time, since my written inquiry of XX/XX/XXXX was received, to further suppress documentation in order to deny my fraud claim. The result of CBs lack of policy, or policy failure, has been misdirected, ongoing harassment, that is now bordering on malicious persecution. The timing of these actions appears more retaliatory than coincidental. These combined actions give strong consideration to the theory that this is about far more than a fraudulent {$2400.00} debt. Perhaps CB has a systemic problem and this is just the tip of the iceberg, requiring investigation by experts outside CBs influence. Sincerely, XXXX XXXX Executor of Estate of XXXX XXXX XXXX : XXXX XXXX, Citizens Bank Branch Manager-XXXX
Company Response:
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX has been calling me from several different phone numbers almost daily. On XX/XX/XXXX they were asked to stop contacting me. I told them I would refer them to CFPB and the FTC if they did not stop using robocallers to dial me from unblocked numbers. They threatened me with legal action and continued calling. Additionally, they refused to provide a name when asked and failed to substantiate a debt listed as " Citizens Bank ''. I have never held any account with Citizens Bank NA. I have attempted blocking their phone numbers and they call me from new ones. XX/XX/XXXX - Called from XXXX. Asked them to stop calling me. XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX - Blocked this number. XX/XX/XXXX - Called from XXXX - Blocked this number.
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The FCC issued national security threat warnings about foreign software companies in XX/XX/XXXX. I had been using one of those products which was manufactured in XXXX and, heeding the FCC warnings, I removed the software forthwith. In early XXXX, the company began pursuing me to renew the software license. I canceled my account and they acknowledged my cancelation, but continued pursuing me using different tactics, prices, product names, and company entities. The companys efforts seemed fraudulent so I reported them to the FTC on XX/XX/XXXX. That same day, I gave my bank a copy of the FTC complaint and ask the bank to help me protect my account against fraudulent claims by the software company. The bank made a feeble effort to block the company but failed, and was generally apathetic and unhelpful. I felt the bank could have easily blocked any transactions from that company, but did not. At the suggestion of the bank, I cancelled my debit card and replaced it with a new one on XX/XX/XXXX. On XX/XX/XXXX, I learned that the company had been paid by the bank for a {$84.00} transaction I had not authorized and had asked the bank to block the day before. I believe it could have easily stopped that fraudulent transaction, but the bank failed and subsequently denied my disputed claim.
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a victim of a scam. In XXXX of XXXX, A woman claiming needing help. She provided authentic documents had me send two wires from Citizens bank. One was for XXXX and XXXX. A couple of weeks later, Citizen bank fraud Dept called me and I verified this was fraud. I had filed a report with XXXX Police in RI. In XXXX, the same woman contacted me and said her agent to help her get out of trouble needed money. She said, a phony name of XXXX XXXX, said a client managed to get funds and transfer money to my account. I gave her the information of my account and two notifications of approx XXXX came through. She also had my user and password which she conned me into. I did a check in XXXX of this year to a person in NJ she said was a person to help. The money was deposited in my account and I did a check. On Friday XX/XX/2023 my checking account was frozen for Fraud. I went to the bank on XXXX XXXX in XXXX XXXX RI every day to see what was happening. I was told that my accounts were froze. I have a XXXX credit line. I was concerned about this. Every day from XX/XX/XXXX to XX/XX/2023 the balance was around XXXX. On XX/XX/XXXX, the balance jumped to XXXX The bank manager had said my accounts were frozen due to XXXXraud Why was my HELOC on frozen since the money went in there. I had an attorney involved but with no luck. The XXXX of the XXXX would not honor my claim. I told her I called XXXX XXXX at the Citizens Fraud Dept about why the HELOC account was not frozen during my checking account was. XXXX told me she had limited visibility and did not communicate anything to the HELOC Dept. I called the FBI office in XXXX today, XX/XX/2023 and talked to Special Agent XXXX XXXX. XXXX XXXX XXXX told me the bank should of noticed something was wrong in XXXX and XXXX. The FBI office in XXXX is working with the XXXX Police in RI as of today. .
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A