Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CITIZENS PAY CREDIT LI 1 LATE PAYMENT Credit usage 96 % Balance {$3100.00} Balance updated XX/XX/XXXX Credit limit {$3200.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY XXXX Status XXXX. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Past due amount {$130.00} Highest balance {$4000.00} Monthly payment {$66.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The Citizens Bank XXXX XXXX Credit Card has stopped allowing online login 's to my account for the better part of a year now, possibly longer. Each time I try to log in, their website claims to send a code to my email which never arrives. The website says to wait a few minutes, check spam, and try again if nothing happens. This is never-ending and is most definitely a predatory way to have customers miss payments and lose sight of their balances. Here is the website : https : XXXX Because I can't log in I can't access my statements since I elected for ( and want to keep for privacy reasons ) paperless statements. I have had this credit card for almost 2 years now ( XXXX opened ). I set up online access to the credit card on XXXX. For as long as I can remember I've had to resort to transferring funds from my Citizens Checking account over to this credit account just to make the payment. This is done through the Transfer feature on my Citizens Bank account. Not only is this a roundabout way to make a simple payment, it also leaves me blind because I can't seem my statements ( nor can I reference them later ). But again, obstructing the customer seems to be a tactic this company is using to make money off us. I recently paid the card down to zero but I am once again blind to any statements.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I currently am a college student at the XXXX XXXX XXXX XXXX. For the XXXX XXXX semester, I received a refund based on student loans that I've been approved to receive. The amount that I received as a refund was {$2200.00}, and I decided to open up a checking account with Citizens Bank as a way of accessing the refund money. XXXX days after updating my school 's XXXX account to allow the deposit to occur into my Citizens checking account, the bank decided to lock my account and freeze me from viewing and accessing my account balance by essentially removing my account. The refund money I was supposed to receive is unable to be accessed, and I currently have ~ {$2200.00} in loan money ( deposited as a refund into my CItizens account ), that I have no idea how to access. I called Citizens bank for further questioning, but the support people were unable to let me know what is going to happen, and their nearest branch is out of state.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: After trying to talk to a person at the bank several times I got transferred from department to department for over an hour I was told to email them at XXXX which I did on XXXX XXXX XXXX about getting help with reducing my credit card debt through the Hardship Program. I explained to them that my husband suffers from XXXX XXXX, had his XXXX removed and now has XXXX XXXX XXXX. He was hospitalized with XXXX XXXX XXXX and was on XXXX from work for eight months due to XXXX XXXX treatments and XXXX XXXX. When my husband went back to work he could only work 20 hours per week due to health and mobility issues ( prior XXXX XXXX XXXX ). I did sent another email and asked them to please reply. To date I have received no reply from them. Due to a prior complaint through your agency about non-disclosure on a variable interest rate on our Heloc loan we are having trouble paying both the credit card and the Heloc loan. We have been a bank customer at Citizens for over 30 years so a solution to this problem would be appreciated. Thank you. XXXX & XXXX XXXX
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: Online, on or about XX/XX/XXXX I attempted to transfer XXXX from my checking account at Citizen 's Bank to my son 's back account at XXXXXXXX XXXX I entered all of the requested information and when I clicked on the " submit '' button, I rec 'd an online error message stating that the transaction was denied and that I should contact the bank. I called the XXXX number for the bank and I was told by customer service that the transfer did not and could not go through because my name was not on my son 's account at XXXX. I believed what the customer rep had told me and that the XXXX could not be transferred from Citizen 's Bank to XXXX. I then made other arrangements ( not involving Citizens Bank ) to get XXXX to my son. A couple of weeks later I checked my account online and I saw that XXXX was in fact deducted from my checking account and transferred to my son 's account at XXXX. I called the customer service department at Citizen 's Bank and they confirmed the transfer. The rep informed me that I could file a claim and that I would receive a response in the mail. A few days later I rec 'd a letter from Citizen 's Bank stating that " the claim was closed as per customer 's request ''. I called the bank and filed and filed the same claim and a few days later I rec 'd yet another letter stating that " the claim had been closed due to customer 's request ''. I filed the same claim again shortly thereafter and I did not receive any response. I called the bank on XX/XX/XXXX and filed the same claim again. I have not rec 'd a response from Citizens yet. I would like to get refunded the XXXX that was transferred to XXXX XXXX without my knowledge and without my permission. Thank you.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Today on XX/XX/2023 i made a call to XXXX XXXX about payments being returned, they advised me this was on citizens banks end, called them they stated everything looks fine on their end, call back XXXX XXXX and received help from a representative for over an hour calling citizens with her to get my issue resolved, we were then informed by the citizens supervisor we were transferred to that due to a {$50.00} claim i put in during the citizens glitch that happened where multiple charges were duplicated, which some were not resolved resulting in me making a few claims with citizens for. Due to having this claim, it was stated that citizens had a stop payment with XXXX XXXX making all my previous payments all be returned as far back as XX/XX/XXXX from what i can see. My credit score has now gone down, and my credit cards are now over balance due to this glitch with citizens bank and now not being allowed to make my XXXX XXXX credit card payments. I am extremely unhappy with how citizens has handled this issue, as i was advised i have to write a letter to their ACH claims operations to have this fixed. But that doesnt fix the damages that have been done, i now am unable to get a rental car with my credit card after a hit and run accident due to citizens actions in this.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: So I paid over {$600.00} from XXXX to XXXX. Supposably my balance was XXXX $ according to represenative in XXXX. Now I called in to ask why my loan was XXXX $ They said well interest and I said XXXX a day equates to XXXX $ a month if that. That be XXXX $ in interest. $ XXXX $ add XXXX XXXX $ ok well cause its me add XXXX that is XXXX either way that is XXXX not XXXX XXXX Now lets think about this XXXX is XXXX. Move the decimal over one is 10 %. I learned this in 5tXXXX grade in my head. So what first mark is saying is I am being billed over 10 %? Also, this loan is half the original loan meaning you can't ask every month to be the same along with claiming I owe you XXXX a day. This was XXXX a day when I started loan. The loan is 2/3 paid off and it should emulate what is owed, However this loan should not be a loan except for a federal loan.
Company Response:
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: citizen bank branch address XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ny XXXX # XXXX branch manager XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX The above is the account information I opened for my company at Citizen Bank, if you need to add! Please feel free to email me what I need to add! I have a total of one personal account and two corporate accounts under my name On XXXX day, I received a call to learn that there was something wrong with the check that the customer paid us. The next day I immediately went to find out the situation, I thought that after communicating with XXXX, I would find out the cause of the problem and then cooperate with him to solve the problem. Unfortunately, after communicating with the cheque payer, the other party has been using the reason that it is still processing, resulting in the problem being delayed. I'm sorry for this not very good problem during my time with them! mostaq froze all my accounts during this period, which indirectly led to the economic loss of my two companies and the loss of customers, which I can not pursue! What I can't tolerate are the checks ( ~ {$400000.00} ) and those " problem checks '' that arrive in my account. , including our online banking was frozen together, First of all, when I opened an account, the bank staff told me that the private account and the business account were two separate accounts. BUT WHEN THE PROBLEMS THAT THE BRANCH MANAGER CHOICE TO NO TRUSTING ME AND MY BUSINESS, I CALLED SERVRAL TIMES LOOKING FOR XXXX BUT I HAVENT RECIEVE ANY REPOND YET. SO I NEVER GET ACHANES TO SOLVE THE ISSUES UNTIL TODY ALL MY ACCOUTS HAS BEEN FROZES. I REALY SORRY ABOUT WHAT HAPPENED, AND I M VERY UPSET THE BRANCHH. AS A CONSUMER I PUT MY MONEY IN THE CITIZEN ALSO THE BRANCH STAFFS INCLUDES THE BRANCH MANAGER COMMUNITATE WITH ME WITH A BAD ATTITUDE. I FELT UNCOMFORTABLE
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry from XXXX Credit Report Dear CitizensBank, I hope this message finds you well. I am writing to bring to your immediate attention a grave matter concerning a fraudulent hard inquiry that has appeared on my XXXX credit report. This unauthorized and unverified inquiry is not only inaccurate but also indicative of potential fraudulent activity. In light of this serious issue, I respectfully request your urgent action to remove this fraudulent inquiry from my credit report, in strict compliance with the Fair Credit Reporting Act ( FCRA ). Upon a careful review of my XXXX credit report, I discovered an XXXX hard inquiry recorded on XX/XX/2023. I want to emphasize that I have neither authorized nor initiated this inquiry, and it is essential to address this matter promptly to safeguard the integrity of my credit history. The presence of fraudulent activity on my credit report can have severe consequences, including financial harm and reputational damage. As a consumer protected by the FCRA, I hold the right to accurate and reliable information on my credit report. It is crucial that any fraudulent or unauthorized entries be thoroughly investigated and promptly removed to ensure the integrity and validity of my creditworthiness. I kindly request your immediate attention to this matter, conducting a thorough investigation to identify the source of this fraudulent inquiry and taking all necessary steps to rectify the situation. I urge you to treat this matter with the utmost urgency and to prioritize the removal of the fraudulent hard inquiry from my XXXX credit report. I expect your full cooperation and adherence to the FCRA regulations in ensuring the protection of my consumer rights and credit worthiness. Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and would appreciate timely communication regarding the actions taken. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filled a claim for unauthorized transactions in the amount of approximately {$94000.00}, Citizens Bank never contacted me to ask what the issue was and closed the claim saying no fraud occurred on my account after looking at the history, when no history existed, as I just opened my account with Citizens. Its clear Citizens did not investigate this claim because I was never contacted and for that Citizens wouldnt know what to even investigate as well as stating that the account history was a deciding factor when no such history was available for citizens to use. I have sent my local branch ( XXXX XXXX XXXX ) a demand letter advising them that I will seek damages allowed under the electronic transfer act if I do not receive a refund on my account. The act allows for treble damages and attorneys fees if the financial institution fails to investigate consumer claims and I feel that this is what occurred with my claim. Although I have spoken with an attorney who is willing to start litigation in this regard, I thought I might try this before I start the litigation process. Please let me know if you have any questions in this regard and thank you for taking the time to investigate this matter. I have also attached just a few of the documents that I would have presented to Citizens if they contacted me to investigate my claim. Best, XXXX XXXX.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A