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 7
2019-10-10
Columbus, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Citizens Bank recently XXXX XX/XX/XXXX XXXX reported a charge-off to my XXXX and XXXX credit reports. I dispute ownership of this account. I disputed with XXXX and it was removed the next day. XXXX refuses to remove it despite me pointing out that it's a duplicate of a charge-off that is reported already on my account. I also dispute ownership of that account. The same account is being reported as two separate charge-offs.
I disputed a second time with XXXX because Citizens Bank is re-aging this account so that it will appear on my credit longer. The duplicate account shows date of last payment as XX/XX/XXXX, but Citizens Bank is reporting it as XX/XX/XXXX. XXXX will not correct this date.
Company Response: Closed with explanation
2019-10-10
Milton, DE
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Closed with explanation
2019-10-09
Mc Kees Rocks, PA
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2019-10-09
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-10-09
W Bloomfield, MI
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Closed with monetary relief
2019-10-09
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Closed with explanation
2019-10-08
Blackbird, DE
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I opened a new account at citizens bank on XX/XX/XXXX. I was not told when I opened it ; however, when I called them today, I was told that it was in the fine print I signed regarding a mandatory 27 day hold on all checks deposited in a new account. I began to inquire because this could cause my auto pay to have insufficient funds. From here, the inconsistencys began to spiral. I was told all checks must follow this federal regulation and there is no leeway the bank has on this. Ironically enough two of the checks were available within 48 hours. The third check, which was a larger amount, is still not available. All three checks were done on mobile banking consecutively. When I called today, I am told they can see it cleared from my bank and the fund are there but not available until the 27 day hold is up. Frustrated with the inconsistency, I contacted to federal reserve board. The gentleman I spoke to there stated, if the bank knew the funds were there, they could release the hold. This definitely seems like a problem with inconsistencies, incorrect information and unfamiliarity with the federal regulations.
Company Response: Closed with explanation
2019-10-08
WV
Getting a loan
Student loan: Private student loan
Problem with signing the paperwork
Complaint: I received an offer through XXXX to lower my student loan rate through Citizens One. I applied online and then spoke with a rep. I was told within minutes that I was approved for a 5.2 % loan but had to submit 1 more piece of info. I did. I received an email saying they needed more information : proof of social security. I sent it. They said they needed pages 1 and 2 from XXXX tax return. I sent it. They sent yet another email saying I needed to send all pages from XXXX tax return. I sent them the info, which was 25 megabytes. Then they asked for yet more information that I had already supplied. This went on for 6 emails and 9 customer service reps. Each time, they assured me that my latest submission was enough to complete the application. Last night, I received yet another request for still more information.
All of this for a $ XXXX/month reduction!!
Every rep told me that my application was now complete, and I should hear back within 3-5 days.
I am retired and age XXXX. I have a XXXX credit score and more than ample assets to pay the loan off today. Im simply trying to lower the loan for my daughters education. And I have to go through this hassle with still no loan?
As a former XXXX XXXX, I have never dealt with a more deceptive and difficult company than Citizens One.
Company Response: Closed with explanation
2019-10-08
Crafton, PA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Closed with explanation
2019-10-08
Haskins, OH
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from your account
Complaint: Prior to my mother 's death, I was paying a home equity line of credit that was in my father 's name. After she passed, my father called to arrange to have the payments taken from his bank account. Citizen 's Bank via XXXX Payments indicated they had completed the change, but they are still taking the money out of my account. I called them on XX/XX/2019 and my father called and followed up the next day. They had indicated they made the change.
I had to go through my bank to dispute the withdrawal on XX/XX/XXXX and was able to get the funds back ; however, they debited my account again on XX/XX/XXXX, and I am having to go through the whole process again.
Company Response: Closed with explanation
2019-10-08
Pgh, PA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-10-08
Lynnewood Gardens, PA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation
2019-10-08
Beyersville, TX
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I tried to purchase an XXXX w installments from a line of credit. I thought the line of credit comes through XXXX, but apparently it's Citizens bank. Citizens bank declined my application saying I have a poor history with them. I have no clue what they're talking about. I've never used them before in my life. I'd done XXXX payment for phones up until my last one and I'd never had any notice sent to me from XXXX suggesting I was not paying them for the phone. In fact, I'd had my phone usable and now available to have XXXX care until XX/XX/2019. I'm showing proof of these realities. None of these realities elicit any concern w citizens bank or nonpayment history. I'd gotten no mail, no emails, no notices of any kind for citizens and somehow Citizens says I have bad payment history them? It makes no sense. I get notices from apple pay within hours or days of any issue with my card, and I update it immediately and I'd seen charges for XXXX and bought plenty of apple products with no problem. I have thousands of dollars cash and not one credit card of mine has ever been late in payment. Why would I have a payment problem with Citizens?
Company Response: Closed with explanation
2019-10-07
Cumberland, RI
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-07
OH
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Closed with explanation
2019-10-04
Bristol, RI
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-10-03
Lewiston, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2019-10-03
Euclid, OH
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/2019 I secured a loan for a home that I purchased. XXXX XXXX XXXX XXXX. Loan amount {$75000.00}, Purchase price {$97000.00} appraisal value. The loan was sold to CITIZENS ONE, with a balance of {$75000.00} on XX/XX/2019. I received my first mortgage statement, and they are charging me PMI. I contacted CITIZENS ONE, multiple times and they 1st responded that I was not under 80 % ltv, to remove the PMI ( they finally used a calculator ), then on a second response stated I need to be under 70 % ltv. ( loan to value ) I have spent thousands on updates and the current appraisal is {$110000.00}. CITIZENS ONE is still charging me PMI. I've never missed a payment, and I make the payment due, 2 weeks in advance, and now @ 63 % LTV. CITIZENS ONE IS UNLAWFULLY CHARGING ME PMI
Company Response: Closed with explanation
2019-10-03
Arsenal, PA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Closed with explanation
2019-10-03
Murray, UT
Problem when making payments
Payday loan, title loan, or personal loan: Installment loan
Complaint: I purchased a new XXXX XXXX through XXXX. They use Citizens One bank for installment loans over 24 months. I called before applying for the loan and asked if I could pay a lump sum payment at the beginning of the loan to lower the payments through the life of the loan and was told that I could. They had to have the loan first in order for me to do this. I then called in today to make the lump sum payment to bring the monthly payment from {$43.00} to {$30.00}. They informed me that they can not do this. They said my payment is fixed and that they don't offer this. I informed them of the previous call that I had had with them and they said that it was unfortunate that I was given wrong information but that they would do nothing. I told them that I would not have purchased the phone had I had all the correct information and they did not seem to care. The seems like an illegal lending practice to advertise loan terms before a purchase is made and then change them after it is done. They told me they will be looking for a copy of the first call that I made but told me that even if I am right nothing will change. Literally all I want to do is pay them money to make the payment more affordable and they told me that I could do this before the loan was initiated.
Company Response: Closed with explanation
2019-10-03
Glen Allen, VA
Incorrect information on your report
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-03
Bristol, RI
Managing an account
Checking or savings account: Checking account
Fee problem
Company Response: Closed with explanation
2019-10-03
Bedford, NH
Closing an account
Checking or savings account: Checking account
Fees charged for closing account
Company Response: Closed with explanation
2019-10-02
Hornell, NY
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Company Response: Closed with explanation
2019-10-02
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Closed with explanation