Date Received: 2023-04-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX Last 4 of XXXX Date of birthXXXX Application Date : XX/XX/XXXX Recently, I, XXXX XXXX, submitted an application for the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and subsequently received notice of approval for a credit line in the amount of {$4000.00}. However, following the submission of my application on XX/XX/XXXX, I was notified that additional verification was required. On XX/XX/XXXX, I called in and spoke to a representative with a nasty attitude we verified some info and they informed me that I had been approved for the credit line. After that I get an emailed stating that they could not approve me due to them unable to verify my identity, to which I called back representative, spoke to the same representative. They said that the reason for the denial was because I had made multiple applications for the credit line and they stated that my first original application had been approved but the second had been denied and that was the reason for the denial, I responded by saying that I never made more than one application made only one application, and they must've been a mistake on your end, and they responded back rudely saying that there was nothing that they could do. So I was approved for the credit line, accepted the credit line, and then authorized a hard inquiry on my credit report, and now all of sudden I have been denied for the credit line. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15. U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). I feel as though Citizens Financial Group Inc. has violated my federally protected consumer rights. 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated is both proof and evidence that I have been discriminated against, you are also criminally liable. Citizens Financial Group Inc. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: To whom it may concern, On XX/XX/XXXX I opened a new checking and savings account in person at citizens bank located at XXXX XXXX XXXX, XXXX, PA XXXX. These accounts were opened with a promotional bonus being offered for a total of {$600.00} US dollars in accordance to the fine print limiting the account ( s ) to maintain a {$15000.00} minimum savings and enrolled in {$500.00} direct deposits. I took a photograph of the agreement and have met the requirements. This information has been confirmed at the local branch I had opened the accounts. It also states the bonuses will be paid on XX/XX/XXXX if the account is in good standing and have met the requirements. This I have done. I brought my complaint to the attention of the local branch to the employee who originally opened these accounts with my promotion on XX/XX/XXXX ( approximate date ) It was determined I should have been deposited the {$600.00} bonus from citizens bank. She had corresponded with citizens bank corporate marketing department. It was agreed I would be paid the {$600.00} on XX/XX/XXXX. I had asked because of the error to match my interest rate of my other bank ( XXXX ) 3.75 %. Neither my full bonus or my interest rate request was given on XX/XX/XXXX. On XX/XX/XXXX I was only given {$300.00} and no change in my interest rate matching my other bank ( 3.75 % ). I called again citizens bank my local branch and spoke again with the same employee who opened the accounts. She acknowledged in her conversations internally with citizen bank they agreed to pay me {$600.00} in a deposit to my account on XX/XX/XXXX.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have had a XXXX balance with this company and they charge interest on a XXXX balance loan
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citizens Bank lied to XXXX about reasons for denial of mortgage loan. See attached. It was due to my developing a XXXX. This caused my income to shift from teaching to XXXX XXXXXXXX. The amount was not drastically different. They wouldnt consider my XXXX income. They stated failure to disclose student loan debt and failure to provide XXXX income. The XXXX debt is clearly shown on their XX/XX/XXXX disclosure attached. This loan was never late or in any state other than good standing.This was also when we applied for the loan that was denied in mid XX/XX/XXXX. There was obvious delay of processing WAY beyond the 30-90 days as told to XXXX. I was told by XXXX XXXX by email that there was no way to move forward with the loan with me on it after I let her know that my income would be shifting XXXX XXXX that month. Rather than waiting just a few days for that confirmation info, the loan was denied right away. We had been waiting since XX/XX/XXXX fir a decision and they couldnt wait a few days for some updated information.
Company Response:
State: OH
Zip: 44514
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased XXXX XXXX XXXX XX/XX/XXXX financed by citizens one bank. Between the insurance and gap company i am in process of paying off the loan. Ethos group whois my gap insurance provider issued citizen one a total of 3 checks on XX/XX/XXXX. one for the amount of {$930.00} one for the amount of {$3100.00} and one for the amount of {$530.00}. For some reason the {$530.00} was not credited to my account. I waited about 2 weeks to see it this amount would be posted. i contacted both ethos group and Citizen one to resolve this issue. ethos provided me with proof of payment. I began the process as advised to cancel check to send new check to citizen one. I am unable to cancel check because ethos group provided me a copy of the check that shows proof that it was cashed by citizen one. by looking at the copy it appears that the 4th number written on the check by the servicing center of citizens one may mistaken for another number leading to this check being credited to the wrong account
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/06 I woke up to a text message saying my account with Citizens Bank was overdrawn. I looked at my bank app and there were two transactions that I didnt recognize from XXXX. The first one was for {$490.00}. The second one was for {$1500.00}. I hadnt received a text or email about suspicious activity or anything. They just allowed it to happen. I immediately called the bank after I saw these charges. I was told it would be 10 business days for the provisional credit to hit my account. I wasnt happy with that being that it didnt take 10 business days for my money to be taken. I was told that they would expedite the claim and the credit would be in my account in 1-2 business days which it never happened. I called everyday since the 6th and nothing. They dont care because its not their money. Today I was told that they denied the request to expedite the claim due to the nature of the claim. Im fed up and I just want my money back.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mortgage loan XXXX had resigned from Citizen Bank in XX/XX/XXXX after that there is no connect with Citizens Bank being high value loan customer. From XX/XX/XXXX I am being sending emails asking for extension of loan due to builder delays and also asking to know my loan XXXX, a concern on releasing additional amount to builder with out information and closure formalities. I sent emails on XX/XX/XXXX, XXXX, XXXX, XXXX asking/seeking help. I raised a complaint about my issue through loan account and there is no response. I have called several times to number XXXX XXXX, XXXX and most of the time the calls will get disconnected as soon as agent comes available after XXXX minutes of waiting. Or I get circulated to different departments. I even chatted with live agent and explained my problem, they finally asked me to go through the ph numbers listed. However, I see quick responses and phone calls between loan disbursement person and builder. My experience with Citizen Bank Mortgage loan department is really horrific and nightmare after the best person left the company in XX/XX/XXXX.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've notified Citizens multiple times that even though I update the address online, my apartment number is not showing up on the correspondence from Citizens. Because of the incomplete address, I'm not receiving all correspondence from Citizens. For example, I did not receive a check from my escrow last year. I have only received it after Citizens sent me the check via XXXX and then even though it was Citizens fault, they've posted {$20.00} return fee to my account that I would like to get refunded. I've decided to pay {$20.00} via check, because this was the only option. You actually can't pay just the {$20.00} fee on Citizens website. The {$20.00} was processed on XX/XX/XXXX, XXXX and {$20.00} withdrawn from my account. However, Citizens has just sent me a mail ( see attached ) that now I owe {$40.00} because they were not able to process {$20.00} that they have actually processed. Can you please help me fix? It's really frustrating that I have to continuously submit these complaints.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: During XX/XX/2021 : XXXX XXXX stored my cash at Citizens Bank as part of a sweep feature of a Cash Management Account. The cash was FDIC insured and incured interest. My XXXX Cash Management Account was compromised and unauthorized withdrawals took place, which included the EFT and Debit withdrawal of cash from Citizens Bank to another bank. XXXX XXXX claims they are regulated under FINRA and do not need to follow CFPB Consumer Protection laws, even though it was stored at Citizens Bank and advertised the program as regulated by federal banking laws.
Company Response:
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I returned to the country in XX/XX/XXXX for the first time since I left in XXXX during XXXX, and I was surprised to find out my XXXX accounts had been transferred to Citizens Bank. I took immediate action on XX/XX/XXXX to regain access to my accounts with Citizens Bank but was surprised to find out there had been several monthly service fee charged to my account since XX/XX/XXXX, at a total of {$100.00} deducted from my checking account and a total of {$9.00} deducted from my savings account over time. I contacted the customer service on XX/XX/XXXX to complain about the fees and to explain the situation and tried to resolve this issue, but the customer representatives ( both XXXX XXXX XXXX, Customer Representative and XXXX XXXX P., XXXX XXXX Customer Service ) told me that they were only authorized to return {$32.00} and {$9.00} to my checking and savings account individually. I expressed my strong dissatisfaction but the representatives couldn't help further. From my perspective, I have never agreed to the transfer of the accounts from XXXX to Citizens Bank. I found the service fees charged to myself extremely unfair since these fees would not have existed in my original XXXX account ( Both account had balances meeting XXXX 's minimum requirements to avoid fees ) Transferring my accounts without my permission and deducting fees from my accounts that were not pre-existed in my original accounts is considered unauthorized conversion of my property. Moreover, due to the extreme situation of the pandemic, I could not have been informed of this change timely. As of the time I'm writing this complaint, there are still {$68.00} of my account balance not being returned to my accounts. I would like to claim my rights with this complaint and stop similar practices from happening again.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A