Date Received: 2023-05-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was in Citizens Bank on XX/XX/23 Saturday and I was trying to cash or deposit a check for a severely XXXX man who is in a wheel chair. Mind you i have been in there before cashingvhis checks. I remember before this bank charging me XXXX for cashing a check like this. The check is a Citizens Bank Check. The Manager XXXX XXXX refused to cash or deposit a check from a man that is XXXX who is in a wheel chair. He said to me who are you I dont know you I am not helping you out. I told the man that is severely XXXX to take his money out of the bank and the woman who made out the check. What an awful way to do business. I would not recommend this bank to anyone. Awful customer service.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank put a fraud hold on my account and closed it out without ever explaining the reason why. I called in to the bank to find out and they were really not helpful. Two checks were trying to clear my account that I had the cash to deposit to cover them, but because of the hold I couldnt deposit in ATM over the weekend. I followed up on Monday in branch and hold was never removed so I opted not to make the cash deposit and pay the person in cash instead. The bank never followed up until two weeks later ( never removing the hold ) and cut a check and mailed it to me. They also reported this to XXXX XXXX Unfortunately this is now inhibiting my ability to open an account elsewhere.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Read in full and review attachments ( all details need will be in this complaint just like XXXX SUBMITTED ON XX/XX/XXXX ) ( If you can't provide any contract or statement with my wet signature giving CITIZENS ONE AUTO FINANCE permission to obtain my information you have no authority to state that you're reporting accurate information to my consumer report with XXXX ) XXXX Making false statements as an attempt to reject following the laws has subjected you to penalties. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with CITIZENS ONE AUTO FINANCE, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with CITIZENS ONE AUTO FINANCE for review. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person ( Name of investigater ) who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX and addressed { XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX }
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was notified when opening a bank account that I had a loan with this company. I tried calling but the company was very rude and told me I had to open the account. I never opened a account with this company
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made an online transfer as part of a new savings bank account opening on XX/XX/2023 with Citizens Bank online. The transfer was done online using their online form. The account was opened and the funds were withdrawn from my XXXX XXXX XXXX, however the funds were not deposited into my new savings accounts. When checking online Citizens showed that the funds were being returned, however they were never returned even after a week of calling many of their contact numbers. They keep transferring me from one number to the next but no one is able to help me. They told me not to go to a branch since the branch can not see online transactions. Currently I keep calling their numbers and they keep transferring me from one to the other.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This company failed to resolve my complaint submitted on XX/XX/XXXX in the same fashion as my husband which was also affected by this involuntary conversion from a fee-free account at XXXX to Citizens. I requested all the fees be refunded and this account closed with a check sent to the address provided. My husband requested this and received it in XX/XX/XXXX. I got different treatment however where the representative refunded my fees accumulated so far, but DID NOT reach out to me as claimed by e-mail ( it looks like they transcribed my address wrong - it's XXXX, not XXXX, a really obvious and sloppy error ) and kept my account open against my wishes. I have never encountered a bank refusing to close my account and send me a check for the balance. They did this deliberately to keep charging me the fee and added another frivilous fee for statements WHICH I ALSO DID NOT REQUEST. I have tried contacting this representative by phone but it always go to voicemail. The number they provide to call for general customer service has NO WAY to exit from the automated phone tree and talk to a live agent. This is the worst bank.
Company Response:
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Had an account with XXXX XXXX, it was paid off. Then in 2023 the account popped up on my report as a charge off by citizens bank for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.
Company Response:
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
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: My Citizens Credit card ending XXXX was used fraudulently from XX/XX/XXXX- XX/XX/XXXX. I reported the transactions over the phone. Then, one week later I got a mail saying that my fraud claim was resolved. The letter contained only one transaction. I called again to check the status of the rest of the transactions, I was told that the initial agent who submitted the claim selected all the transactions but forgot to submit the rest and she only submitted one of the transactions and that was resolved. Then, the second agent told me that he would open a new claim and submit the rest of the charges on XX/XX/XXXX. Then, on XX/XX/XXXX, I got another claim saying that " We completed our investigation of the following claims : and based upon our investigation we have concluded no error occurred. '' I called the fraud department again after getting that mail, and they told me that they only report fraud, but the claims department makes the investigation and decision. They tell me that that department doesn't have a phone number and they would send an email. Also, agent XXXX told me that the second agent also made a mistake and he chose my card as it was in my possession. I guess that's why my claim was denied the second time. Then, on XX/XX/XXXX agent named XXXX from Claims Department called me and he acknowledged the both agents made mistakes and he told me that he would refund me the charges. Next day all the charges were refunded to me. However the other next day all the credits were reversed. After that, I have been sending call back requests from the fraud department, but no one calls me back. All the charges are still on my account and all the credits are reversed and I am rebilled. I am trying to reach XXXX from claims department, but he doesnt call me back. There is no one to talk to about this and no way to reach the claims department. We have sent several emails but nothing back from them. I did not make these transactions. Please credit me back the transactions.
Company Response:
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bank with Citizens bank in XXXX XXXX Michigan. On XX/XX/2023 I noticed 9 {$100.00} transactions and 1 {$50.00} transaction. None of which were made by me. I immediately called the bank to report it and have not heard anything or even got a claim number. I called today XX/XX/2023 to see what was going on with it. They had a claim on file for me for that date for $ XXXX which makes no sense. I was only reporting {$950.00}. Anyway even though I'm dealing with identity theft I just noticed right before calling and notifying the bank. The bank is claiming it wasn't fraudulent and won't refund it. This is all part of identity theft issues I'm trying to take care of and notified the government of. It makes no sense how they are refusing to refund these transactions. Everything I claimed they know is due to identity theft. I had to file another, hopefully final claim for payments due to a loan being taken out in my name. With all this other stuff going on with identity theft I'm still finding and learning about currently. They give me no other problems with the unauthorized activity I noticed prior to or after filing this claim and had no problems. Yet the one claim that took the most money out of my account and hurt me the most they are refusing to refund and it's outrageous.
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A