CITIZENS FINANCIAL GROUP, INC.
Consumer Complaints
There are over 6532 complaints on file for CITIZENS FINANCIAL GROUP, INC.. Dated between 2019-12-05 and 2011-12-05.
Complaints Page 15
2019-07-25
Wrentham, MA
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I have been attempting to work with Citizens Bank on my HELOC which I can no longer afford. The line is now in the repayment phase and I can not afford the payments. I have gone through their modification process for months and provided numerous documents and information on multiple occasions and they are only able to provide me with a rate reduction and are now requiring I escrow my taxes and insurance which will bring the payment to an even greater amount than I can afford AND was initially attempting to pay. I have requested a longer term up to 20 years so I am able to reduce my payments, but they are only able to extent to XXXX payments. I am struggling to keep my first mortgage and taxes current, student loans paid and I have also worked out payments with my credit card companies. I feel as though I am being forced into bankruptcy. I can not sell my home, I have no where to go and currently have a XXXX who is XXXX XXXX and struggling with medical issues.
Company Response: Closed with explanation
2019-07-25
Whiting, IA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2019-07-25
Phila, PA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with explanation
2019-07-25
Newnan, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Citizens Bank of NA failed to report accurately the payment in full of the HELOC account, specifically, the account was paid in full. The debt was set at {$170000.00} on HELOC on the property located at XXXX XXXX XXXX, XXXX, RI XXXX. The house was sold for {$170000.00}, which cover the amount owed. Additionally, Citizens Bank claims a deficiency. The borrower and the bank agreed to a payment of {$1100.00} in lieu of the deficiency. Borrower paid in full as agreed. There is no money owed and the HELOC was paid in full.
Citizens Bank is reporting that the account was settle for less than the full balance.
Citizens Bank failed to inform the credit bureaus that the account was paid in full as agreed. Thus, diminishing borrower ability to obtain loans.
This is a bad faith reporting.
I ask you that your agency assist me in amending and/or modify the credit report.
Company Response: Closed with explanation
2019-07-24
Cleveland, OH
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with monetary relief
2019-07-24
PA
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: On XX/XX/XXXX I logged into my account so I could transfer money to cover a check I had just written. I found that my account was at minus XXXX. I had been overdrawn XXXX and 3 additional charges under {$2.00} each came through along with a sustained overdraft charge of {$30.00}. I was not informed by the bank until after the charge so I couldn't correct it. I also didn't transfer the money for the check because this fee was beyond what I had. I had just received an annual report about protection if charges under {$5.00} come in. I have since received a {$35.00} overdraft fee for the check I couldn't cover because of this ridiculous sustained fee. It appears they are charging me another {$30.00} sustained overdraft fee. This is excessive considering the initial overdraft was less than a dollar.
Company Response: Closed with monetary relief
2019-07-24
Chelsea, MA
Managing an account
Checking or savings account: Other banking product or service
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-24
Rochester, NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-23
Bellefonte, PA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Company Response: Closed with explanation
2019-07-23
New Brighton, PA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-07-23
Phila, PA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-22
Lincoln Univ, PA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-07-22
Ridley Park, PA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: IhaveanaccountwithCitizensBankandhavehadthisaccountfor5+years.Ihadahousefireafewmonthsago,andmyhouseiscurrentlyunderrepairssoicanmovebackin.Whentheinsuranceclaimwasdisburseditwassenttomymortgagecompanythengetsreleasedinportionsaddressedtomeandmycontractor.AllhasbeenfineuntilnowwithCitizensBank.IwenttothebranchwiththecheckandthetellertoldmetoendorsethecheckFORDEPOSITONLY.ifollowedherdirectionanddepositedthecheckintheATMsothaticouldgetacopyofthecheckonmyreceipt.thenextdaythecheckwasnotclearedandaholdwasplacedonthefunds.Icalledcustomerservicenumeroustimesandnoonecouldgivemeaclearanswerastowhythiswashappeningtome,nottomentionTHISWASTHE2NDCHECKdepositedforthisinsuranceclaim.Thenireceivedalettersayingtheywouldholdthefundsfor45days!icalledagaintodayandwastoldthattheywillnotbeclearingthefundsduetoendorsementissues!theywillnotreturnmychecktomeandIcannothavemyfunds!HowcanabanknotcashmycheckandWILLNOTGIVEMYCHECKBACKTOME?Nowi'm2weeksoutwithoutthefunds.Ihadtocallthemortgagecompanystoppaymentonthecheckandre-releaseanotheronetome!
thishasbeentheworstinconvenienceever!ThecontractorsstoppedworkingonmyhomeatthispointbecausetheycanNOTGETPAID!ihavetomoveoutofmytemporaryhousingattheendofthemonthandIcan'tevengetmyhousecompletedtomovebackin,duetoCITIZENSBANK!MyfamilyandIwillnowbeXXXX!!!!!!
Company Response: Closed with explanation
2019-07-22
Hastings, MN
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-22
Lansdale, PA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-21
MA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I took out a home equity loan with Citizen One XXXX of XXXX. I always made my payments never missed one. In XXXX I was told that I needed to pay lump sum of loan. Needless to say I didnt have an extra XXXX . I began the process of trying to modify this loan. After having to resubmit application 9 times because either a page wasnt initiated, or a blank page of statement was missing ect I contacted a law firm to try and get this straightened out. They told me to stop making payments. BAD ADVICE! They seemed to think once they saw that there was over XXXX XXXX dollars in equity in my property they hit the jackpot. I have been paying them over {$500.00} a month for 2 years now. I just received a letter from Citizen One that they have started foreclosure proceedings on my home. The last appraisal valued property over XXXX XXXX dollars. All I want to do is pay them off but because they have ruined my credit it has been impossible. How can they do this? Please help! My home is all I have. My regular mortgage is prestige. I always pay my bills.
Company Response: Closed with explanation
2019-07-19
Lyme, CT
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with monetary relief
2019-07-19
PA
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I was issued a refund in the amount of {$2200.00} from XXXX to a CLOSED Citizens Bank checking account on XX/XX/2019. Once I discovered this error, I went to a local citizens bank branch in mid XXXX. They told me that if the account was closed then the funds would have been returned to XXXX. So i called XXXX many, many times requesting a trace. They said the funds went to the bank and they do not have them. This issue has been going on since XXXX when XXXX would not allow the order to be refunded. I then filed a complain with the Pennsylvania attorney generals office which you will see the result in the attached files ( if i can attach files ). I don't know what else to do besides file this complaint as both XXXX and citizens bank keep giving me the run around.
Company Response: Closed with explanation
2019-07-18
Rochester, NY
Managing an account
Checking or savings account: Checking account
Banking errors
Company Response: Closed with explanation
2019-07-18
Maumee, OH
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Company Response: Closed with explanation
2019-07-18
Fred, VA
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Closed with monetary relief
2019-07-18
Reading, PA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Deposits or withdrawals
Company Response: Closed with explanation
2019-07-18
Spencer, MA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-07-17
Chesterbrook, PA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-07-17
MI
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: Around XX/XX/2019 I called about the details for an account that I'd just opened promotional stipulations. I opened it with a promotion code for {$220.00} given after 90 days of meeting stipulations and was told that I would also get {$600.00} if direct deposited amount surpassed I believe of {$1000.00} or {$2000.00} which I made sure to do which no promotional code was needed for and that for the savings account being opened I would get another {$200.00} or {$300.00} I believe. However, none but the {$220.00} was given and I even asked that this be looked into and was advised by XXXX the XXXX XXXX location manager to call in and express this so the call could be reviewed and the promotions honored due to misrepresenting what I would be getting with the meeting the stipulations outlined. He explained if it took place inside a physical location in his district he'd resolve the issue and honor it due to verifying the call, but due to account being opened online it had to be honored by the 800 customer support department.
After doing what XXXX informed me to do I was given case XXXX by the over the phone customer care supervisor XXXX. XXXX XXXX called me and stated the call was reviewed and it did support what I explained, however they were not going to honor what was offered to me at the opening of my account or what XXXX stated would happen.
Due to getting no where I ended up deciding to close my savings account and would have closed the checking, but was advised fines would be charged to me. I apologize at this point of creating this I don't have the specifics promotional amounts, but the case number is referenced with the specifics and the calls can be viewed.
Company Response: Closed with explanation