Date Received: 2023-03-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited {$15000.00} with Citizens Bank on XXXX XXXX, 2022, in opening a saving account with them. They claim they never received the money, despite their acknowledging my deposit ( see attached ). The money was debited from my saving account with another bank ( XXXX XXXX XXXX ) and they have produced evidence that they did indeed transfer the money to Citizens Bank. The attached email, sent XXXX XXXX, is my latest demand to Citizens Bank that they return my money, with interest. I have received no response.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened a Citizens checking account under a promotion that was {$300.00} for a direct deposit of XXXX XXXX in 60 days and {$2.00} for every debit card purchase in 60 days up to {$100.00}. I fulfilled the direct deposit requirement on XX/XX/XXXX where I received a {$500.00} direct deposit from my employer. I was told to wait until XX/XX/XXXX for my {$300.00} bonus to post. This bonus has not been deposited in my account. After escalating with Citizens representatives, I still do not have the promotional bonus I am entitled to.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: Citizens Bank performed an unauthorized balance transfer on two of my XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. The credit cards were XXXX and XXXX. XXXX transfer was for {$9000.00} and the other was for {$16000.00}. I am not a customer of Citizens Bank and did not authorize these balance transfers. Citizens Bank was not able to provide any information about these transactions as I am not a customer and have no accounts there. I disputed the transaction with XXXX XXXX XXXXXXXX, but they claimed that I must have authorized the transaction. I do not understand how I could authorize a transfer to Citizens Bank when I am not a customer or card holder at Citizens Bank.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I'm seriously at a loss for words when it comes to the way citizens bank handles loyal customers. I've noticed a few months ago when my accounts have been hacked due to issues with my phone and digital wallets, that anytime l 've had to call to file a dispute or call to see what was going on with prior disputes-the way I've been treated and spoken to by customer service is not acceptable! In the past 2 weeks or so, I've filed 4 fraud disputes with citizens bank. There were 4 due to the fact that I didn't wait for each and every charge the was pending to post before filing just one dispute. 2 of them were filed on XX/XX/XXXX both totaling {$5000.00} which bacially drained my account in itself. One was filed on XX/XX/XXXX in the amount of {$850.00} and another was on XX/XX/XXXX in the amount of {$1200.00}. I was told by numerous customer service reps that a provisional credit would be applied to my account-due to the transactions being fraudulent and also draining my entire account. I waited several days which has now turned into weeks for the money to be put back into my account, which it hasn't. I received a letter in the mail a few days ago stating that due to me filing fraud disputes, citizens bank was gon na close my account? I'm not even sure how this is even ethical considering how citizens bank stands behind its Zero Liability Protection Policy. When I found out that the claims dept of citizens bank was denying my fraud claims, I was told by XXXX, who works for the office of the chairman and who answers XXXX complaints, that the reasoning they gave to deny my claims was because I gave a company a selfie pic and copy of my ID a long time ago to verify it was me-a company that had absolutely nothing to do with the charges I had filed these claims for! PLEASE explain to me how this makes any sense? So basically your closing an acct that's been open for years a denying claims and not refunding my $ for absolutely no reason?
Company Response:
State: PA
Zip: 16602
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: XXXX engaged in unfair and abusive practices in connection with its private loan program in violation of the Consumer Financial Protection Act of 2010XXXX helped to create private loan programs for students at XXXX XXXX XXXX , the school run by XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX improperly induced students to take out those loans to pay the tuition amounts not covered by loans or other tuition assistance from the federal government. XXXX knew that the student borrowers did not understand the terms and conditions of the loans and could not afford them, resulting in high default rates and other negative consequences. I attended XXXX XXXX XXXX prior to their bankruptcy and was encouraged to take out private loans as a XXXX year old kid who had no idea what I was getting myself into. The representative said it would be easy to qualify and that my education would be funded in full. They steered me to private loans as they said it would be easy to qualify. Assuming their guidance was in my best interest, I reluctantly applied and was approved. I took classes there for a period of XXXX years and was promised at the time of signing up for private loans that their career department would work tirelessly on my behalf to find me a job after my degree program was completed. Needless to say, the job prospects were few and far between after graduation and the careers department seemed to solely focus on new applicants and getting them loans via private lenders rather than helping the students they promised a hot job market for in the past. I believe my loans were initially serviced by XXXX XXXX, which has since sold the loans, and most recently, they show up under Citizens Bank and and being handled by XXXX XXXX. I have requested documentation on the original loan amount and account numbers and have never received anything. I received a random letter in the mail a few weeks ago stating the loan is now in collections and that I could settle for half of the outstanding balance ( roughly XXXX XXXX ) if I could pay in full. I just checked my credit report and it still shows Citizens as the private loan lender and the collections company is nowhere to be found. It is concerning that I attended a for profit college that misled me about job prospects and was eager to sign me up for high interest loans with no consideration to my life prospects or future employment opportunities. I feel as though I was duped by the school along with so many others and to this day can not get an answer from the XXXX or XXXX lender that has purchased my loans as to any details about the loan or the associated amounts. I feel as though this deceptive marketing and promise of career prospects that amounted to very little qualifies me to have these existing loans XXXX so I may resume my pursuit of healthy financial freedom. Please assist me in righting this wrong that happened so many years ago and continues to haunt me to this day. Thank you for your time!
Company Response:
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXXXXXX XXXX ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( Citizens Bank NA ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to Citizens Bank, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXX XXXX authorization to charge a Citizens Bank account XXXX in any dollar amount. Citizens Bank reopened my XXXX XXXX XXXX closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a XXXX XXXX and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number foXXXX XXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have several bank accounts with Citizens to manage my XXXX business. I have not had an issue with my accounts until XX/XX/2022 when a rash of fraudulant activity started to occur across most of my bank accounts at the bank. It followed the same patterns of testing deposits and then making big cash withdrawals via fraudulant transactions like " XXXX XXXX XXXX '' or using fake company names like " XXXX XXXX. '' Despite calling and asking for these funds to be returned and flagged as fraudulent, some of my funds where not returned. To date roughly {$3000.00} has been taken from my accounts and I have not been reimbursed for them. The complaint stems from the fact that this seems to be a bank weakness as my accounts are very private and I don't use internet means to pay for things ( just send paper checks ), except for my mortgages ( which are with Citizens for the most part ). The type of activity was consistent ( i.e. Acorns investing ) and done across multiple accounts. Even though warned that this is not activity I do or companies I work with, future fraudulant charges would occur and Citizens did not have a way to stop it besides closing the account. I did finally close one of my personal checking accounts due to the frequency of fraudlant activities and growing tired of waiting on hold for hours a day, I requested a new account. This account was created via the phone with a Citizens rep and opended all on-line. No paper docs were created and I did not have to do anything for the account to be created. Despite not a single person knowing about this account and working with a Citizens rep to make it, a month later I had fraudulent activity of the same kind and manner as before. This baffled me as I did not even set-up that account to pay anything besides a car note ( with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX very secure portals ). I made frequent calls about the fraud, but despite my calls, one way or another only some of the charges would get credited back to my account. After working to reconcile all the charges, Citizens still owes me {$3000.00} and when called I was told it was a legal matter as I am past the 60 day federal regulated window. Even though I was calling often and frequently, it seems like my claims were denied by the opposing bank ( which why wouldn't they ... their client or they are the fraud ). It makes no sense that such internal weaknesses and protocols exist at a bank of this size. Something is not right and at the end of it, I am left with no recourse to assist as the bank is throwing up their hands and pointing to the time limit, while I sit with a claim made on time but was denied by the opposing bank so now I must call the opposing bank to recoop my money. Needless to say, the opposing bank will not be giving me my money ( if it even is a real bank or company to begin with ). Our banks and the integrity of the system is critical to America 's success. We should be vigilent when fraud like this occurs in our major banks so easily without recourse. Please let me know how I can help expose this weakness of Citizens as it is clearly present and a bank targeted by frauds for these type of attacks as it is working for them.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a mail offer from Citizens Bank. The mail offer says I should receive XXXX XXXX for opening an account with a direct deposit. I did so and set up a direct deposit with greater than XXXX XXXX. Until now, I have not received the bonus of XXXX XXXX.
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: In XXXX of 2022 my truck was repoed, with no knowledge to me that it was going to happen. I got in contact with the loan people, they told me I had 15 days to pay the payments that were owed and get the truck back or they would send the truck to auction. I paid the account to current on XX/XX/XXXX with the auto loan company and because that was a Friday I could not get my truck until the following Monday the XXXX. I thought everything was good, it wasnt. I tried to make the payment the following month, I couldnt make it online, so I tried calling them and got the run around. No one could tell me how to make a payment because they couldnt find my loan on file. I got this run around up until XXXX when finally someone told me that my account had been wrote off and I had all of this money to pay or my truck was getting taken again. Meanwhile no one is taking responsibility for the run around and me not being able to make a payment for months on my truck because of them not knowing. I just need help with all of this.
Company Response:
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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: ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on My behalf as well
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A