CITIZENS FINANCIAL GROUP, INC

2019-09-23

Jersey City, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-09-20

Braddock Hills, PA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-19

Dearborn, MI

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-09-19

Westland, MI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-18

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-17

Maynard, MA

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

2019-09-17

Tarzana, CA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: Citizens Bank has an inquiry on my credit report. I never applied for credit with this company or have ever done any kind of business or requested any kind of information with them. I have never heard of them before. They do not have any authorization to pull my credit report.
Company Response: Closed with explanation

Timely Response

2019-09-17

Bear Creek Township, PA

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-09-17

NY

Trouble during payment process

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

Complaint: I called Citizens bank on numerous occasions to have my mailing address changed as I have not received any statements from them - they advised me I must go into the bank to change my address. I went into the bank and changed my address as directed. Still no statements. I called again to change my address. I was told it was all set. Still no statements. This account went delinquent due to no statements and effected my credit score by numerous points. I called again and brought the account current ( {$1100.00} ) and to emphasize my address needed to be changed - the rep assured me it had been changed. To this day i still have not received a statement. This has resulted in a much lower score and have suffered higher interest rates because of this. I receive no letters, phone calls or any type of correspondence from this company
Company Response: Closed with monetary relief

Timely Response

2019-09-16

Merrick, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-16

Dealing with your lender or servicer

Student loan: Federal student loan servicing

Problem with customer service
Company Response: Closed with explanation

Timely Response

2019-09-16

Beachwood, OH

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-09-13

Wonder Lake, IL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I purchased a car in WI where I live in IL, as I've done on multiple occasions given my brother works at an XXXX XXXX in WI. The car was initially titled in WI as it always is where I then need to title/register the car in IL. My loan is via Citizens One that uses a 3rd party ( XXXX XXXX XXXX ) that charges a fee to send the physical title to the DMV in IL. XXXX told me that Citizens One should take car of this for me, as they would need to charge a change of state ( when someone would move ) for {$44.00} to send the title to the IL DMV. Citizens One filed a case number earlier this week and told me they would take care of this for me ( especially given I've never been charged a fee for this action with the 8 prior vehicles I've purchased from my brother in WI ). I followed up with Citizens One this morning only to find that they are refusing to cover the cost or do anything about it. I know this is only {$44.00}, but it is more the principal that they said they would cover it, and that they know that the 3rd party is going to charge fees for every customer they have in order to do any kind of title transfer where any other bank would take care of that transaction including any associated fees. Thanks in advance for looking into this, as I feel Citizens One is taking advantage of all of their customers by hiring XXXX and washing their hands of doing the simple things a loan company should be doing while making money already with the interest rate they charge,
Company Response: Closed with explanation

Timely Response

2019-09-13

Rochester, NY

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: On XX/XX/2019, Citizens One notified me that my credit card on file that was used to make automatic payments was expired. The link included in the email took me to a loan that had already been paid and had a {$0.00} balance. A credit card update could not be performed since the balance was {$0.00}. This email came every month, taking me to a loan of {$0.00} balance. It was later discovered, after a new personal loan was denied by Citizens One, that the email was in reference to a different loan than the one linked in the email. By this time, I could not access the appropriate loan using Citizens One mobile banking as the loan had already been sent to collections. I was never given the chance to make payments on the correct loan because Citizens One failed to send the correct information and did not explain in XXXX how the correct loan could be paid. Citizens One also did not make any attempt to contact me by phone or postal mail prior to sending my account to collections.
Company Response: Closed with explanation

Timely Response

2019-09-12

Westfield, NJ

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-09-12

Beachmont, MA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-09-11

North Olmsted, OH

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-09-11

MA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: Hello, XXXX from Citizens Bank in XXXX MA called me to set up an appointment to meet with her.She was to open a couple of accounts for me, using a promotion I had been mailed.This promo invite was very specific to me, personalized & designed to lure my larger funds back into their banking establishment.Everything on it was targeted & addressed to me, as they knew I had the kind of cash to bring over with an offer this large.It was A LOT of trouble for me to go through, I suffered a XXXX XXXX and can not drive.So traveling to my other banks to bring the funds over, was definitely going out of my way.The set up direct deposit, also a hassle, along with the amount of money that must be maintained.Most people couldn't fulfill all such requirements, but I liked XXXX and she knew exactly how to get these accounts set up! She also had a plan for when I was to bring the bigger of my money over, in a couple of months times.For now, the plan was to do the minimal required to qualify for the promo bonus mailed specifically to me just like an invitation.I had to go through so much trouble, called running late and was told XXXX was not even in.I immediately felt troubled, as I am walking around with an {$18000.00}. check in my hands in downtown.I said that I am coming and getting this done because I was advised by XXXX to bring a check of at least {$15000.00}, ID., and that I didn't even need the promo.I wanted to get this check deposited immediately, safe & sound.I was waiting for a bus, and told XXXX who answered at the bank, my phone provider has had problems and I can not waste minutes on the call but that I was just needing to let XXXX know that I was on my way to meet with her, as planned.I got a bad feeling with this XXXX over the phone, so proceeded but with reserve.Honestly, when you get that feeling with someone, BELIEVE IT. I showed up about half hour later, and XXXX was there no other costumers, sitting at a desk.She greeted me, and again BAD FEELING IN MY GUT. I have XXXX good intuition because as it turned out, she never had any intention of honoring the promotion I was specially given, but was eager to take my check!!!!!!!!! She asked for it suspiciously, just to ''look '' over it!!!!!! I have opened many of bank accounts in my day and the only time a check is asked for is when it's going into the account!!!!!!! She was extraordinarily false to me, telling me some story about how XXXX XXXX XXXX sold her mortgage from under her, all the while she is in cahoots to try and do ANYTHING into preventing me this bonus!!!! Total DEVIANT, SNEAK, CROOK. I would say CON also, but she never conned me, I had misgivings about her instantly over the phone not even having met her yet.She calls up some hidden people and plays her game, gives me this ridiculous ''sucker '' look and tells me the hidden players say we can't do it!!!!!!!!! For the trouble I went through alone, the decent thing to do would have been to honor the promo, especially when I am talking about bringing even MORE money in.It was them who called me to come in for an appointment in the first place, it was them who mailed me the invite, they not only thought nothing of wasting my time and causing me total distress, but then this XXXX puts on this act and says ''I 'm about to cry!!!! '', are these crooks out of their minds???? They pull a stunt like this and then claim THEY are the victim!!!!!!!!!! Then XXXX, butts in and threatens me with being escorted out of here!!!!!!!!! INSANE. The whole entire charade was orchestrated by them, there was never any intention of doing anything except swipe all my money. XXXX hung onto my mailing, and I had to fight for it back, and even obtaining names and corporate # was a theatrical joke. XXXX is scum for going along with XXXX XXXX mean-spirited ill-intentioned scheme, as I knew her making a phone call was just a way to weasel her way out of honoring something I met the requirements easily for. They claimed some nonsense about accounts not being closed a full six months, I have closed accounts only to discover they weren't & been charged fees on top of it.I specifically asked a teller at another branch if the account if closed, ''yes it's closed out '', only to find out they are very much still open & active.So they can keep fining the accounts I suppose. I told them that if I didn't meet the qualifications as a costumer, why was I mailed the invite?? Nobody else was mailed this, it's not a general mailer, not everybody has this amount of cash is why. I also insisted that I went through a lot of trouble to do all of this, and couldn't even get my money deposited into my other banks because now they are closed and I feel unsafe with this amount out of bank.They were beyond malicious & crooked, NASTY!!!!!!!!!!!! XXXX mentioned disrespect, what do you call what THEY are doing to me, ABUSE, PURE ABUSE RUNNING ME AROUND AND SCREWING WITH MY FUNDS & BEING FRAUDS. I am not allowed to REACT??????????????????? Where did COSTUMER RESPECT go????????????????????? They pull one nasty stunt like that and have the NERVE to mention ''disrespect '' because I react to it!!!!!!!!!!! I have enough experience in consumer law at this point, ( proudly I have never lost a dispute/claim, even with my credit cards which are difficult to win ), to know that what they were doing wasn't only devious and rotten, but probably not legal and certainly not moral and definitely NOT in the bank 's best interest. Which is why I am filing this complaint. Citizens Bank is now out a VERY valuable $ $ $ $ $ $ $ $ $ $ $ $ $ $ costumer, because it employs ill & unstable, vindictive & corrupt individuals who clearly are BAD FOR BUSINESS and think they are above the law and have zero obligation to stand by specific letters and mailings to certain costumers. I shouldn't be faulted, I did what was asked and went through a lot of trouble, and they were the ones who set this whole charade up!!!!!!!! And what a fiasco it became, thanks to XXXX and XXXX, whom claimed XXXX does ''such a wonderful job '', yeah, that's why your bank made out with my leaving today, that's such a wonderful job!!!!!!!!! Rather than open the accounts efficiently and investigate why accounts were never closed, ( that must be the whole deal with that!! ), she'd prefer to investigate & finagle her way out of honoring my advertised invite/offer. She gave me a very fake look after the ''phone call '' with the guys upstairs, literally a phony sad face, and then smirked when I said to give me my check back along with the promo mailing, and found it amusing that I demanded all accounts be closed immediately. When I called her out on the inappropriate behavior, gestures, and phony persona, that's when she pulled her ''I 'm going to cry!! '' act, and was COMPLETELY fake. They told me to be quite because they didn't want other shoppers in the supermarket hearing the scam they just did to me. What disgusting pieces of work, foolish morons. They are exactly what destroys a bank. I left the bank, closed the last & final account remaining, and demanded proof all accounts were closed. Only one receipt was given me states ''savings close-out '' on it. After threatening me, I told XXXX that she dare threaten a costumer and that is beyond this ''disrespect '' she has the nerve to speak of. It is people like me that provide her with employment, she should be out on her butt along with XXXX. They contrived the whole nightmare of an ordeal, and guess what, XXXX bank is now out the $ XXXX I was bringing in, and my inheritance that I was planning to bring over to, worth over 500k. If they keep despicable jerks like that then it'll cost them LOT $ $ $ $ $ $ $ $ $ $ I truly would be so grateful if this complaint, word for word, could be forwarded to Citizens Bank Corporate. Maybe they've got each others backs over there but Corporate is about the bottom line $ $ $ $ $ $ $ $ $ And they need to know about this and what XXXX was up to and XXXX, meddling, interfering only to defend her trouble maker co-worker, haul them out of there!!!!!! I am writing reviews on every outlet & they deserve to be picketed, ( yes I've done that before too!! : ) Stupid business sense, there is evidently something psychologically wrong with XXXX, all the deviant pursuing, jealousy, out for my money, drama faked cry baby antics, wasted my time and jerked me around, abnormal and this ''bank '' must go under along with all the other asylums shut down and XXXX get some HELP!!!!!!!!!!! Miss Company woman thought she would out-smart me, conning me out of what was bigger than her invited me to, when the reality is she screwed her own company /employer out of a HUGE investor. I hope that lousy XXXX XXXX bucks was worth it to you, morons. Corporate needs to hear this, and the head manager at that branch, high -ups need to replace these unstable liabilities with TRUE CLASS, PROFESSIONALISM, EDUCATED INDIVIDUALS WHO UNDERSTAND, KNOW & CARE WHERE THEIR BREAD IS BUTTERED & DO WHAT'S RIGHT FOR THE SAKE OF MONEY AND REPUTATION, BECAUSE TRUE PROFESSIONALS ARE EDUCATED IN MORALS/ETHICS WHICH IS SUCCESS.
Company Response: Closed with explanation

Timely Response

2019-09-11

Five Points, PA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2019-09-11

Pawtucket, RI

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-09-11

Brooklyn, NY

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: I'm almost XXXX and I have XXXX and had multiple XXXX XXXX and have been treated with disrespect and my funds have been held by Citizens bank. This bank never emailed ( because was online savings ) called or sent any notice whatsoever. I opened Citizens Access savings about one month ago online and made initial deposit from XXXX. XXXX told me Citizens contacted them to confirm information. After more than dozen calls to Citizens, I was finally told just yesterday that they suspected account ( Because I deposited funds and now were making payment, etc??? ) and would returned all funds to XXXX. This caused my credit card payments and another transfer to be cancelled and caused many fees and interest because they were not completed, as I did and trusted with Citizens Bank. My wife was skeptical in having this account, with no actual Branch and I should have listen to her. I called Citizens several times just to be told theres nothing that can be done. Can this matter be brought up to executives in the bank please?? It is just terrible that now my credit history is bad, and I had occurred over 300 in fees and have no access to the initial deposit plus interest funds.
Company Response: Closed with explanation

Timely Response

2019-09-11

Ridley Park, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: XX/XX/19 i called citizens bank to close 2 savings and 2 checking accounts on XX/XX/19. they said they could close 3 accounts but one had a debit that a deposit was needed to clear. i deosited the money via eft while we were talking. i was supposed to recieve an email notice saying the accounts were closed. i called back XX/XX/19 to close the last of the 4 accounts and it had another debit which i then had to make another deposit to correct. also 2 of the 4 accounts had not been closed which they said they had the previous call. again was told that the 2 accounts were closed and i would recieve confirmation. called again XX/XX/19 and was told all accounts were closed but i still do not have any email or other confirmation from them that my accounts are closed
Company Response: Closed with explanation

Timely Response

2019-09-10

Franklin Lks, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-10

Toledo, OH

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-09-10

San Antonio, TX

Problem when making payments

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

Complaint: I bought an XXXX through payment plan, loan amount : {$1300.00}, Monthly payment : {$52.00}, in XXXX store @ XXXX XXXX mall in XXXX XXXX, Texas back in XXXX. Only after I started making payments. I learnt it's a loan from Citizens One bank. I have never received any statements in letter nor electronically since then. I called them this morning. They declined to send statements in form of physical letters because of they are " paperless '' company. They declined to issue me statements in form of PDF files either. All I have it's their web page.
Company Response: Closed with explanation

Timely Response