CITIZENS FINANCIAL GROUP, INC.

2019-10-17

Cheektowaga, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-10-17

Manomet, MA

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with explanation

Timely Response

2019-10-17

Mirror Lake, NH

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-10-16

Yeagertown, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-16

DE

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-16

Warren, RI

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-10-16

Unity Plaza, CT

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Complaint: I opened One Deposit Checking on XX/XX/2019 in response to the attached offer to get {$300.00} when I open a checking account and make a direct deposit of {$500.00} or more within 60 days. Based on attached statement dated XX/XX/2019, you can see that the account was opened on XX/XX/2019, and, based on attached statements dated XX/XX/2019 and XX/XX/2019, you can see that direct deposit of {$250.00} was made on XX/XX/2019 and another direct deposit in the amount of {$250.00} was made on XX/XX/2019. Therefore, total direct deposit of {$500.00} was made within 60 days from the account opening. I called Citizens Bank on XX/XX/2019 and spoke to supervisor XXXX in Rhode Island who told me that there was supposed to be a single direct deposit of {$500.00} not total direct deposit total of {$500.00} within 60 days from the account opening to be qualified for the bonus. As you can see on attached offer, the offer does not tell specifically single direct deposit, it just mentions direct deposit and, as a result, it was my understanding that a direct deposit total of {$500.00} would make me qualified for {$300.00} bonus. On XX/XX/2019 I sent attached letter address to Citizens Bank CEO XXXX XXXX XXXX at the address of XXXX XXXX XXXX, XXXX, RI XXXX but I have not received response as of XX/XX/2019. I hope it was a mistake on Citizens Bank end to omit word single in front of words direct deposit and I hope that that my account will be credit with {$300.00} bonus. However, if Citizens Bank intentionally omitted word single on the offer, this situation may qualify under enclosed Federal Trade Commission Act paragraph Vii. Unfair and Deceptive Practices that states : An act or practice may be found to be deceptive if there is a representation, omission, or practice that misleads or is likely to mislead a consumer. Deception is not limited to situations in which a consumer has already been misled. Instead, an act or practice may be found to be deceptive if it is likely to mislead consumers. A representation may be in the form of express or implied claims or promises and may be written or oral. Omission of information may be deceptive if disclosure of the omitted information is necessary to prevent a consumer from being misled Acts or practices that have the potential to be deceptive include : omitting material limitations or conditions from an offer
Company Response: Closed with explanation

Timely Response

2019-10-16

Taunton, MA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2019-10-16

Phila, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-15

Cumberland, RI

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2019-10-15

Boston, MA

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Complaint: Citizens bank had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by Citizens which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this Citizens forced me to hand over {$1100.00} or more on an acct that they were tons over and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!
Company Response: Closed with explanation

Timely Response

2019-10-15

Portland, ME

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with explanation

Timely Response

2019-10-15

Blackbird, DE

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-10-15

Wellsville, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2019-10-14

Branford, CT

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Complaint: After recently placing my father into full time nursing care, I came across a CD deposited in The XXXX XXXX XXXX XXXX from when my sister and I were minors in the amount of {$26.00}, 700. My father and his brother ( my uncle ) were custodians on the account. My sister and I were never told about this account. The CD matured on XX/XX/1992. I presented the CD for payment in the successor bank, Citizens Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a manager there was less than helpful and refused to discuss the account with me even though the account is clearly in my name. Citizens corporate reached out after I filed a complaint to the FDIC. XXXX, from the Office of the Chairman, has acted in what can only be described a a deceitful manner. She is claiming she is not receiving emails from me, and is unable to leave voice mails on my cell phones. I am a XXXX XXXX XXXX XXXX with 32 years of service. I rely on email and voice mail daily and I can assure you XXXX 's claims are preposterous. Citizens Bank corporate, specifically Office of the Chairman is impossible to reach by phone. I am encountering impossibly long wait times, routing and re-routing through jungles of robo-prompts and mysterious random disconnections.
Company Response: Closed with explanation

Timely Response

2019-10-14

Euclid, OH

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-10-13

Buffalo, NY

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: On XX/XX/2019 I transferred {$750.00} on XXXX to a supposed XXXX home owner. I went Through the website XXXX to book this vacation rental for the weekend of XXXX of XX/XX/2019. I was emailing back and forth with him and he said the was going to send the rental key in the mail on XX/XX/2019. Days after the money transfer I was informed by the supposed home owner that my money was spent well and I then realized I was scammed. I contacted XXXX and my bank ( citizens bank ) and were unsuccessful I was told to reach out to the consumer financial protection bureau. Im at a loss out of options and need my money back please help.
Company Response: Closed with explanation

Timely Response

2019-10-13

IN

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with the interest rate
Complaint: I applied for an auto loan on XX/XX/2019 and received one through XXXX. I am not happy and have been having trouble ever since. The interest rate I received is the highest I have ever have, and I dont believe it was fairly done. Since day one I have been making payments greater than the amount due. I have called in several times, asking that the extra amount be put towards the payment and NOT towards the interests and yet it seems as if all my payments are still going straight towards the interest. I have also received statements where it shows on two occasions where a payment was posted then reversed, and reposted again. I am not happy with how the company is handling my account. I think I should be looking into refinancing with another company because I dont feel I am getting what I should be and my credit it high so I would understand a high interest rate for bad or low credit but mine is not.
Company Response: Closed with explanation

Timely Response

2019-10-11

Denver, CO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-10-11

Carver, MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-10-11

Walden, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2019-10-11

Detroit, MI

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I am so tired of being DISCRIMINATED against due to my age. I am a very healthy XXXX yr old XXXX VET, you not just fought for this country but refused a medical leave due to injuries I suffered in 1943 so that I could rejoin my fellow unit in XXXX. I did and finished what we started, But here in the country I have given so much for I continually am turned down for accounts, My credit score ranges from 795-830 at the time I applied for a Checking account with Citizens bank my credit score was XXXX. Yet and unbelievably about 2 weeks ago Citizens bank denied my application to open a checking account. I bet if they knew I had over 7 figures saved up ( did not retire until I was XXXX yrs old ), that would have been different. I entered all my correct information, they did not ask to verify any information they just simply denied me. I asked my nephew to apply moments later, he was helping me apply online, and although his credit score is far less than mine, he was approved instantly. So what possible reason besides my age could Citizens bank offer up as an explanation. I have received no letter or any other communication
Company Response: Closed with explanation

Timely Response

2019-10-11

Portland, ME

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with explanation

Timely Response

2019-10-11

Rochester, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Back in XXXX I went through a nasty breakup with my ex. Later found out that my ex stole my identity and changed my address information and long story short some of my accounts ended up going delinquent because they bills were being sent to an address that I was not located at. When I found out about it I was able to rectify the situation. Citizens Bank got me set up on a repayment plan for my student loans but then ended up charging off my accounts in XXXX. Since then I have been paying faithfully on my accounts, triple if not more than the required monthly amount. I paid one account off in full and am still paying one account monthly. The account that I am still paying on is causing issues. Back in XXXX when they charged off the account they entered a " {$0.00} '' balance for what was owed. Never thought anything of it although not my problem since I'm not Citizens bank and I don't know what they are required to report. Just recently I went and checked my credit and noticed that my credit took a XXXX point hit because 7 years later, now XXXX they decided to go in and magically update their record and update the balance of my account. Coincidence that the account is going to be falling off my credit in XX/XX/XXXX? I called them XX/XX/XXXX and when I called them the woman on the phone was very rude and she told me that they are allowed to go into my account anytime and update the balance whenever they want. If that was the case, it wouldn't take them 7 years to find out that they screwed up putting in a {$0.00} balance. I asked why in XXXX a {$0.00} was put in and the woman said it was a coding error. I stated that was unacceptable and that someone needed to fix this. She said that there was nothing they could do and it is what it is. No, that's unacceptable. I've busted my butt to rebuild what my ex did to me for the past 7 years and got my credit up to where it is today and Citizens Bank is now XXXX with me and this needs to be fixed and my credit needs to get back to where it is. I'm in the process of buying a house and this will royally XXXX my options of getting my house if they don't fix their error. I have disputed the account with the credit bureau and they have since stated that they are deleting the account from my credit but I want the creditor to fix their mistake and take responsibility for an error they made 7 years ago. They can't act all nonchalant about it and put the blame on me. I've been paying faithfully for years and they get no responsibility. I'm tired of banks taking advantage of people like this.
Company Response: Closed with explanation

Timely Response

2019-10-11

Bear, DE

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response