Date Received: 2023-03-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Citizens Bank, ( XXXX. address, I believe ), XXXX XXXX XXXX, XXXX, MA XXXX ( " Citizens '' ), has failed to record Discharges for two old, long-closed Home Equity Lines of Credit in my wife 's and my names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). The lines were for {$100000.00} ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and for {$300000.00} ( XXXX XXXX, PG XXXX, XXXX XXXX XXXX XXXX XXXX ). Both HELOCs have been paid off and closed for well more than a decade. Citizens ' neglect to record Discharges for both HELOCs, turned up in a Title search conducted as part of our application for a loan with XXXX XXXX XXXX- I confirmed the problem with my own view of the XXXX XXXX XXXXXXXX XXXX XXXX My efforts to resolve the problem with Citizens XXXX Home Equity Department met only with being transferred to other phone numbers, and disconnected ( multiple times ). Our loan application is being held up because of Citizens past and ongoing failure to fulfill its legal obligation to Discharge the two paid and closed HELOCs.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My account was overdrawn and was charged hefty every day fees of {$30.00} USD each with a total amount of {$90.00} USD. I did know about this when I opened my account with them. This is too much to charge to their customers. Money grabbing method.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened a citizens access account at XXXX. I funded the account with {$3500.00}. On XX/XX/XXXX, I decided that I would withdraw {$100.00}. On XX/XX/XXXX, I decided to move all money {$3400.00} from Citizens Access because the website doesn't work well and I'd rather use a different bank. These funds were sent back to me on XX/XX/XXXX. On XX/XX/XXXX, Citizens access decide to reverse both ACH tranactions and took {$100.00} back to the original account. The XXXX had already been moved to another account and was not able to be reversed. I did NOT ask to reverse this transaction. Today, on XX/XX/XXXX, I went on to the online access for my citizens access bank account and it shows that it is overdrafted by XXXX. Today I also called and spoke to customer service. After verifying I am told that " the bank is no longer doing business with me and has nothing else to say '' The bank owes me {$100.00} and I need the XXXX overdraft balance corrected and the bank account closed.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, I noticed an unauthorized charge of {$130.00} by XXXX XXXX on my Citizens Bank Credit Card Cash Back+. I immediately called the bank to report the fraud. The credit card was closed and I was issued a new credit card and was told the issue should be resolved within 2 billing cycles ( it has been more than 2 billing cycles with no resolution ). Since then, I have called numerous times for updates on the case and every single time, I have received conflicting information. For example, I have been told someone from the dispute department was going to reach out to me but no one has so far or that they can't find a record of the dispute or the dispute has been resubmitted to escalate it.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been trying to get this Late off my credit report for months. I have sent in XXXX disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. I did not opt in at any time for the bureaus to report my student education records.
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Roth IRA CD Account. Under COVID regulations, allowed to withdraw and roll into Roth IRA without penalty. Verified orally on the phone there would be no penalty or fee. Incorrectly charged {$50.00} penalty for early withdrawal. Also charged a {$25.00} fee. Occurred in XX/XX/. Have called multiple times and visited XXXX branches over last 2 years. Each time told a ticket has been opened and there would be follow up. No resolution, no follow up.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Citizens bank had messed up and the calculations of things taken out and the proper time line which caused fee after fee the whole amount of {$1700.00} is all fees and the sent it into collections.The fees also ate {$800.00} before it started collecting more.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. CITIZENS BANK XXXX Date Opened XXXX XXXX XXXX Balance : {$290000.00}
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Have equity line of credit account ( $ XXXX ) with Citizens linked to a checking account that exists only to support the HELOC. Annual fee on HELOC was paid automatically out of checking account and triggered a minor overdraft ( {$20.00} ). Citizens sent out e-mail notice XX/XX/XXXX ( a Saturday ) notifying me about overdraft and suggesting I have until XX/XX/XXXX ( Monday ) at XXXX to make an eligible deposit or transfer. I transferred funds the same day online ( XX/XX/XXXX ) as suggested to balance the account. I did not receive any further communication since and assumed the matter was taken care of. On XX/XX/XXXX, I noticed that Citizens had charged me {$35.00} on XX/XX/XXXX in overdraft fees, another {$30.00} on XX/XX/XXXX and yet another {$30.00} on XX/XX/XXXX. I called the bank the same day asking to reverse the fees in their entirety, which they declined. {$95.00} in fees for a {$20.00} overdraft is not in a reasonable proportion, especially given that I followed their recommended solution.
Company Response:
State: PA
Zip: 18902
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My boyfriend and I were trying to purchase our first home. We have worked with XXXX banks during this process, XXXX being Citizens BankXXXXspecifically the moon branch XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. They had the best program at first, we started setting everything up with them and planned to proceed. Our loan XXXX was XXXX XXXX. A few weeks went by and we put an offer in on a house, I had gathered cost sheets from XXXX and was liking what I was seeing. We proceeded with them, after our inspections were done my realtor sent over the sales agreement so XXXX can get everything to underwriting because we were closing in XXXX days. We put our offer in on XX/XX/XXXX and sent the agreement XXXX later on the XXXX. This is the first issue we had. I was looking at cost sheets that were sent over for me to sign and our monthly rate was up XXXX XXXX. Everything on the sheet was right except our rate. Our rate was XXXX XXXX instead of the initial XXXX XXXX it was on the original cost sheets. I was confused and XXXX explained to me that it was due to the period between purchase and agreement being sent over ( XXXX days ) that the rate went up the percent and it was my realtors fault not his. As I talked to my realtors about this issue they sent me information that the rates were never XXXX XXXX in the recent month-months... ..so I was bate and switched. After finally coming to terms that I was stuck now with this lender and rate we proceeded forward. I will also address that the communication between the lender and I was extremely poor. We would not hear anything for days at a time. Our emails, calls, and texts ignored. I continually would ask if we needed to be doing things or if there were any issues. XXXX days prior to closing while we were waiting for the okay to close we called XXXX to touch base. All of a sudden there was an issue with a student loan of mine. It was never brought to my attention like XXXX insisted that it was. It was also flagged at the beginning of the process as the XXXX of the branch told me when I called to complained, in her words " we knew this was going to be a problem from the start. '' XXXX, branch XXXX who had gotten involved twice over complaints told me they did everything they could for me but if I didn't pay the loan in whole I wouldn't be approved. I had said that other lenders did not have a problem with it since I pay monthly on the loan and since it was a conventional loan I was informed I did not have to pay it. Her response to that was, " you're not as smart as you think you are. '' I have had the worst experience with Citizens and I refuse to bank with them any further. I an now working with a different bank who has helped me tremendously. I still have not hear anything about my loan or my money from citizens which is extremely wrong. I was insulted and yelled at by a XXXX of a company-very unprofessional. And now I am stuck paying for services for a second time such as an appraisal, which I would like to be refunded for for my inconvenience. I almost lost my house that I had moves scheduled for and furniture to be delivered to. And I wasted XXXX days of my time trying to help citizens with whatever they needed me to. I would like compensated for my time and like I said the appraisal.
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A