Date Received: 2023-05-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023, I canceled the transfer plan that was set up and then called to close my checking account with Citizens Bank. I spoke with a woman named XXXX XXXX or XXXX XXXX to have the account closed and she assured me that the account was closed. On XX/XX/2023, Citizens Bank initiated a {$10.00} auto transfer of funds from one of my other checking accounts ( with a different bank ) into this closed Citizens Bank checking account and they have yet to reimburse these funds ( {$10.00} ) and guarantee me that these invalid transfers will stop completely, as this is a closed account.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My debit card is frozen. Theres {$110.00} in the account but Citizens Bank claims they cant send me a text with a number to confirm. Even though my cell number is on my account. They keep giving me the run around and wont tell me what causing this. Im XXXX, home bound except for doctors appointments and I can not come in to my local branch as Im unable to XXXX. I do all of my shopping online so this really interferes with my day to day living.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The account in question was my spouses. She passed away last XXXX. The bank is Citizens tBank. The account is on {$1700.00} and does not have POD. There is no other assets in my wifes name so no probate is necessary. The state of Massachusetts allows a bank to give $ to surviving spouse with death certificate and will if under {$10000.00} and 30 days have passed. Probate would cost me {$1500.00} and there is only XXXX in the account. Please advise if you can help or my options. Thank you
Company Response:
State: MA
Zip: 01867
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: As stated in my previous ( & ongoing ) problem, I had a check for {$1100.00} fished out of a mailbox, clumsily altered and, subsequently cashed by XXXX XXXX. This check was dated, XXXX XX/XX/2022. By looking at the calendar, it can be seen that we're coming up to a year, and there has been no appreciable movement on rectifying this error. In fact, it seems to have taken some backward steps. After not annoying anyone since XXXX, of this year, I've called Citizens 4 times ( once to the Claims Services DeptXXXX, where I'm still waiting for Letitia to call me back and 3 times over the past week to XXXX XXXX, from " The Office of the Chairman ''. She's been out of the office, bit, assures me, " She'll get back to me. '' I appreciate that you've contacted them, but, it seems to have not made much of a difference. Have we reached the limits of your powers, should I contact an attorney? I'd appreciate your advice. Thank you. XXXX XXXX XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2022 I went to XXXX XXXX XXXX dealership to purchase 2 vehicles, one for personal and one for business. I was advised by the finance department representative that the business vehicle will not show on my personal report and that he didn't need my personal information for financing a business loan. 45 days later both vehicles were generated on my personal credit report. I have called the bank and the finance department neither of them was any help. The XXXX XXXX XXXX should not be showing on my personal credit. This vehicle is for my business only. I was advised that the dealership representative used my information as a co-signer on the loan and that was incorrect. I have been trying to get this fixed for over 1 year and no one seems to know what they are doing.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im in direct violation of th fair credit report act. XXXX XXXXl c/o XXXX XXXX XXXX, XXXX bank, XXXX XXXX and XXXX XXXX XXXX credit card bank XXXX XXXX bank XXXX has violated several of my rights. 15 U.S-C 1631 section 602A.clearly states that I have the right to privacy. 15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions. 15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose. Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act. What Happened : In cases of a charge off showing on a credit report, a company in required to send the consumer a 1099 for the amount of the charge off. That has not happened. I have not received a 1099 for any charge offs.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Citizens Private Client Money Market XX/XX/XXXXDeposit {$310000.00} Total : {$510000.00} Made this deposit in XXXX and was told that our rate would increase from the XXXX XXXX XXXX 1 % to the XXXX XXXX 3 %. Hasn't happened. Been to my local bank twice to check on any progress ( NONE ), and was assured that the 3 % rate would be retroactive to the XXXX deposit date ( hasn't happened ). This is all completely unacceptable. Also, I missed by a day a promotion increasing the XXXX XXXX rate from 3 % to 5 %, because I had no notification in advance. Unrelated, I had to catch a deposit error leaving {$600.00} off my checking account. Not sure if the bank would have caught the error. Was sent a bank-rating questionnaire and mentioned the interest-rate issue. Never heard back. Correct this immediately, with the retroactive interest. Contacted Citizens Bank and was told the " promotion '' offer of 3 % was not in effect in XXXX ( local branch assured me it WAS ), but since then no interest increase has been applied to my account. It is now XXXX and the Bank 's rate is now 2.96 %, yielding 3 % annual, NOT affecting my account 's 1 %.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am disputing a charge for {$90.00} on XX/XX/2023, under " misc fees ''. I have since called daily, sometimes twice a day without a resolution. They explained that those fees were charged in error as part of another claim ( XXXX ). That claim was for {$18.00} and was resolved, however, the {$90.00} miscellaneous fees has not been resolved. What is happening is that the bank keeps checking that claim and saying it is resolved but does not want to address the {$90.00} that they charged me. I have asked for a direct number or fax but none have been provided. Below is a copy of the email I sent the bank. Dear Citizens, I am writing about a dispute that was incorrectly processed. I have called over 6 times in the past week and received two letters from citizens, but no one will resolve this. If you look at the claim, it will say it is for {$18.00} and you see that XXXX issued me a credit. That is not my issue. YOU deducted {$90.00} on XX/XX/XXXX under " Misc charges '' which was an error in resolving this dispute. I am asking you t credit me back my {$90.00}. I ask that you please review the XX/XX/XXXX translation for {$90.00}, not the {$18.00} charge. Please refund my {$90.00} or give me a justification for it. Thank you, XXXX XXXX Disputed amount {$90.00} XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44144
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I received a settlement check for {$12000.00} from XXXX XXXX from a cashiers check. I called XXXX XXXXXXXX and verified the check was legit and negotiable, and I could go to XXXX XXXX and get the check cashed same day. Before doing this, I called Citizens bank and a representative told me that I could cash it at Citizens which is where I bank at, and I would have no problems since it is a certified check. The next day I come to find out the check is going to be on a 7 day hold, which is fine. 7 days later when the hold was removed, my debit card was disabled and my online banking access was terminated. I was told by a Citizens rep that my account is under review but it is not closed and I could access my funds through a cash withdraw at a branch with my photo ID ( this was a Friday ). On the following Monday, I took time off work to head to the nearest branch 45 minutes away, and called to confirm that I could withdraw money at a branch and again I was told I would have no issues. When I get to the branch, after about 30 minutes of waiting I was told no I could not withdraw any funds from my account and the banker will reach out to the back office to see what is going on. She then comes back and says this whole issue is due to the check from XXXX XXXX. It took me about 15 minutes to be able to call XXXX XXXX and verify this check by giving them details, yet for some reason Citizens bank still has not done anything to clear whatever problems they are having with the check. Its now 2 weeks later and my account is still locked and I have missed multiple bill payments, had to get short term loans from friends and family, and scrambling to make ends meet when I have plenty of cash being held by Citizens bank. Every time I call, a customer service representative says my account is in good standing and I can withdraw cash from a branch with photo ID. I just get wrong information all the time from this branch, first I am told a cashiers check would be no problem to cash when I first got it, which was clearly wrong. Then I am told to travel 45 minutes to a branch and leave work, just to waste my time and be told I can not withdraw any money. Its almost like Citizens Bank feels as though the money in my account is their money. I do not know what to do, or who would give me correct information. I was told a letter would arrive in the mail, and I have not received any letters in the past weeks. I have no spending money and am going through an extreme amount of stress due to all the lack of communication/misinformation/clarity. I hope nobody else has to go through this
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months before I left in XXXX XXXX, after receiving a targeted mailed promo from Citizens Bank, I opened a savings & checking account online with this bank. Citizens Bank accepted my bank transfers of {$5000.00} for the savings & {$50.00} for the checking and for reasons they will not disclose, reneged on the promo and closed my account. The {$50.00} for the checking was retuned -- -the {$5000.00} was not. As of today, A YEAR LATER that {$5000.00} has NOT been returned to me. This is my third complaint regarding this. Simply put, this is THEFT. There isn't any way to sugar coat it. Citizens response is the money couldn't be returned to the originating account -- -a LIE, the {$50.00} went back no issue. Citizens states they don't have, a third party does however the number provided only leads me down a rabbit hole of " we don't know how to help you -- -we don't lead directly with consumers, only companies ''. Citizens Bank took the {$5000.00} from me -- it is Citizens Bank 's responsibility to return it to me. Now, I am for the third time that my " grateful nation '' to do the right thing and return my money to me. My next step will me to get the assistance of the military base legal office.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A