Date Received: 2023-03-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX of 2022 Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$800.00} on XXXX XXXX and purchasing the XXXX XXXX on XXXX XXXX. To date I have only received one of the promised awards, the {$200.00} for charging {$500.00}. it has been nearly five months and I have not received the {$85.00} for the TSA PreCheck. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebate to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. Before I was disconnected the representative told me I did not spent the required {$100.00}. It only cost {$85.00} to acquire the TSA PreCheck and further it states on the enclosed flyer that you get " up to {$100.00} '' it says nothing about haveing to charge at least {$100.00}. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing this complaint as a result of excess charges to my account without disclosure or explanation. As of XX/XX/XXXX, my account balance reflects a negative balance of {$91.00}. However, as of XX/XX/XXXX, I had a positive balance XXXX. I decided to make a purchase of {$25.00} and transferred {$21.00} from my savings account to cover this {$25.00}. Please see the screenshot of the account. I had {$470.00} in pending holds, and {$470.00} on my balance resulting in a balance of {$2.00} after my {$25.00} purchase. There is no reason why my account should be overdrawn {$91.00} the next day if the Citizens bank provided the proper balance information before, during, and after my purchases. I check my balance regularly to ensure that I have funds to cover my purchases. This seems like an attempt to collect excess overdraft fees.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 can not furnish an account without my written instructions 15 USC 166 B : Creditor may not treat a payment on a credit card with open-end consumer credit plan as late for any purpose
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: WE ARE VICTIM 'S OF CHECK WHITEWASHING. MY MOTHER WHO IS XXXX XXXX XXXX AND BESIDES HERSELF OVER THIS ORDEAL, WROTE OUT XXXX CHECKS - # XXXX AND # XXXX - FROM CHECKING ACCOUNT # XXXX - MAILED IN THE SAME ENVELOPE. MY NAME WAS ALSO LISTED AS ACCOUNT HOLDER ON THIS NOW CLOSED ACCOUNT. SOMEHOW THIS ENVELOPE WAS INTERCEPTED AND IT WAS REALIZED ON XX/XX/XXXX, FROM REVIEWING THE BANK STATEMENT THAT CHECK # XXXX WAS FRAUDULENTLY CHANGED TO A DIFFERENT NAME OTHER, NAMELY : XXXX XXXX AND CASHED IT IN THE CHANGED AMOUNT OF {$6800.00}. IT WAS ORIGINALLY MADE OUT TO " XXXX XXXX '' IN THE AMOUNT OF {$80.00} AS A DONATION TO HER PARISH. WE PUT A STOP PAYMENT ON THE SECOND CHECK BUT APPARENTLY, IT TOO WAS WHITEWASHED AND THERE WAS AN ATTEMPT MADE TO PAY OFF SOMEONE'S PARKING TICKET. ON XX/XX/XXXX, I CONTACTED CITIZENS BANK AND SPOKE TO XXXX XXXX TO INFORM HER AS TO DETAILS OF WHAT TRANSPIRED. SHE SAID SHE WOULD GET BACK TO ME ON IT. SINCE THEN, WE HAVE WRITTEN TO THE BANK, SPOKE TO SEVERAL EMPLOYEES AND FOLLOWED ALL OF THE BANK 'S REQUEST AND WAITED FOR RESOLUTION WE SEEK WHICH THEY ASSURED US OF. THEY BEGAN CHARGING FEES ANDD PENALTIES FOR OVERDRAWN CHECKING ACCOUNT, FOR WHICH WE LATER- WITH HAVING TO SPEND TIME AND ENERGY DEALING WITH NUMEROUS BANKING PERSONNEL - MANAGED TO GET REIMBURSED. THE LAST LETTER SAID THEY WOULD LOOK INTO AS IT USUALLY TAKES 6-8 WEEKS TO FOR A CLAIM TO BE RESOLVED, AND AS WE ARE APPROACHING ONE YEAR, WE STILL HAVEN'T HEARD BACK WITH A RESOLUTION SINCE ; THEY'VE ONLY PASSED THE BUCK ONTO XXXX XXXX XXXX AND WE HAVE NOT HEARD FROM THEM SINCE XX/XX/XXXX IN A LETTER RESPONDING TO MY XXXX COMPLAINT.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act, this creditor has violated my right. Under 15 U.S.C 1681 Section 602 states, i have the right to privacy.15.U.S.C 1681 section 604A section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 16668B ''A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. Citizens Home One Loan, XX/XX/2022. XXXX
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Citizens Bank allowed my account to be over drafted despite the fact that I did not " opt-in '' for the over draft coverage. I called Citizens Bank to ask why and they said that the type of the account I have automatically " opts-in '' account holders for the overdraft coverage and there is no ability to change that. Since my account was originally opened with XXXX XXXX and then transferred to Citizens Bank, I had no ability to choose what type of account I was transferred into. Citizens Bank should not have transferred customers from XXXXXXXX XXXX into an account type that automatically enrolled them in overdraft coverage without their consent. Additionally, it took Citizens Bank 1 month to send me a letter informing me my account had been over drafted. It should not have taken that long. Due the aforementioned issues, I would like to be refunded for all of the overdraft fees I have been charged.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I woke to find my account in the negative. Citizens Bank was apparently having an issue in which transactions posted on XX/XX/XXXX repeated on XX/XX/XXXX. I received a text telling me my account was overdrawn when I should have had a positive balance. I had no access to my money for the duration of the day. I called the holder of my car loan looking for answers on why they took another payment. They did not. I called my local branch who seemed unaware of the issue. By XXXX XXXX the funds started to be returned. Only on XX/XX/XXXX did they send an email advising of the issue. 2 days after the event. My bank statement reflects these erroneous overdrafts. They shut down my debit card claiming fraud. The only fraud is their own. I would like their records to accurately reflect what occurred was not my doing but their own.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Received attached mailing from Citizens offering a financial bonus for setting up a new checking and savings account. Opened a checking account on XX/XX/XXXX. Made two direct deposits on XX/XX/XXXX in amount of {$500.00} & {$15000.00}. Mailer says that accounts opened in XXXX that made the qualifying deposits would have {$300.00} bonus paid by XX/XX/XXXX. As of yet, this bonus has not been paid. Below is the record of my conversation with Citizens : Tuesday, XX/XX/XXXX - Called at XXXX ; was offered a call back due to high volume wait times; left number for call back - Received call back at XXXX from XXXX. Explained that I had not received the {$300.00} bonus with the account I had opened in XXXX. I was asked where I got the code I informed them it was a mailer addressed to me with my name on it. Was asked to hold as they looked at account history and contacted promotion department. After a few minutes was informed that a case was going to be opened and sent over to the research department. Case # XXXX and it would take 3-5 business days. Thursday XX/XX/XXXX - Received call at XXXX from XXXX that my case was reviewed and it was found that I did not qualify for the bonus since I had a previous account with Citizens back. That was all the information I was given. - I reviewed my records to see if I had an account that would disqualify me. I could find no record of having an account.Called back at XXXX ; was offered a call back due to high volume wait times ; left number for call back - Received call back at XXXX ; I stated I was calling to get more information on the previous account that was under my name since I had no records of it. I was told that there were no other accounts under my name and she did not understand what I was referring to. Explained again the information I had just received from XXXX. She put me on hold and looked again. I was told there was a savings account opened XX/XX/XXXX and closed in XXXX. I asked for the account number and was told that information could not be given over the phone. She then asked me who was XXXX? I stated XXXX is my last name. She said the account on file was listed as XXXX XXXX. I said I was not XXXX XXXX. I was put on hold again and informed that the account was either a savings or business account opened XX/XX/XXXX and closed XX/XX/XXXX. I stated again I was XXXX not XXXX. I was told because of this account I was not eligible for the bonus. I stated I would take this another route by reaching out to consumer protection financial bureau.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On my credit report is an old debt from XXXX from a repo that I didnt know of because of a divorce. Its to old to be on my report now and I was never notified or granted to try to get the car back to
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A