Date Received: 2022-09-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/2022 we started a loan modification program with the Mtg Co that held our 2nd Mtg. This loan was due to balloon in XX/XX/2022, and CCO suggested we apply for a loan modification since our credit was recovering and not strong enough at the time to refinance with a good rate. The total amount of the loan was only {$20000.00}. Since XXXX, we have submitted all papers and requests in order to be approved for the modification. We were told that our appraisal was not done properly, ordered by CCO, and had to be redone. We still do not have a proper loan confirmed and we have been reported to the credit bureau as being seriuosly deliquent. I have a son going to college and I can not get a loan for him or the things we need in our lives. I recently got into a horrible car accident that declared my 3 year old car a total loss and I can not aqcuire a new loan for a car because this modification process has ruined our credit to the point that no one will give us a loan, and we are still being reported as delinquent on a Mtg each month. This whole thing has turned our family lives and work lives upside down. They have us in a financial hostage situation. We are trapped with no way to get a loan for anything and no answers as to what is going on with our loan modification. I have called dozens of times and no one can tell us exactly what is going on. We are at a loss of what to do.
Company Response:
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 at approximately XXXX XXXX there was a fraudulent transaction to an individual presuming to be XXXX XXXX, a XXXX XXXX at phone numbers XXXX His partner in crime was a person presuming to be an attorney, XXXX XXXX at XXXX of the XXXX XXXX XXXX XXXX. The scammed {$1500.00} from my XXXX account. The transaction confirmation was # XXXX The payment ID was : XXXX They were using the tactic that my brother was in a motor vehicle accident and hit a pregnant women who was XXXX XXXX XXXX XXXX XXXX XXXX. The money was needed for bail. I tried contacting my sister-in-law before the transaction went through. The scammers asked for screen shots of the payment that I still have on my phone. Coincidentally, my brother just happened to call me right after the transaction was processed so I knew it was fraud. I tried to have the money recalled. I created an online fraud dispute with Citizens Bank XXXX, XXXX I have file an FBI fraud case as well, FTC Report XXXX # XXXX.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from citizens bank n.a. , I returned their form starting this is fraudulent.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Citizens Bank, XXXX. The Citizens ATM at XXXX, MA isn't XXXX working. Seems like it's out of order half the time. Why install ATMs if you can't keep them working?
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am trying to update my prior complaint with Citizen 's bank. I want to provide more information to you. XXXX I spoke directly to XXXX XXXX XXXX who told me he would contact me in a few days to discuss a possible modification again of my current mortgage. That was in the middle of XXXX ; please see attached Email follow-up. He instructed me NOT TO PAY the XXXX mortgage or pay going forward until it was straightened out since my payments were being denied and sent back. It is now XX/XX/2022, and my next payment is due. I am being notified by the credit bureaus that my score is dropping because I am being reported late. I have sent 2 emails to the address he gave me, both have gone unacknowledged - I have no idea if they are being opened, received, or what is going on with my case. I have tried to call but I have been unable to reach anyone. I am starting to panic as this is exactly what happened prior to my first complaint, no one did anything and I was reported making late payments to the credit bureau. I have been denied a credit card, and it is embarrassing. I have attached 2 mortgage statements- showing that Citizens did not record my mortgage payments which were made on time. Specifically - look at the XXXX statement- it shows NO PAYMENTS for the mortgage for XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/2022. I am attaching proof of those payments made electronically directly to Citizens and cashed. They reported me as late to the credit bureaus. I modified my mortgage, they told me to make the payments, then they refused them. Reported me as late, charged me an extra {$70000.00}. I am sick about this. XXXX XXXX asked me for this information and would get back to me over 2 weeks ago at the end of the week. I have heard nothing. I was told not to pay XXXX and now it is XXXX, I am sure no one will believe me, but the line was recorded. I just don't know what to do now.
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Citizens bank stated that I owe them the amount of {$470.00} on the date of XXXX XXXX. I would like to get this disputed due to the fact I told Citizens Bank that I was scammed and Citizens Bank referred me to a Top Tier Worker and they said give them time for investigation. The problem still was not resolved and it's going on a Year. I go to another bank which is XXXX XXXX XXXX XXXX I go to open a business account and the XXXX XXXX stated that I can not get a business account due XXXX XXXX XXXX XXXX. The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a credit Union I go to open a business account and the credit union stated that I can not get a business account due XXXX XXXX XXXX XXXX. The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a third-party company that have my information without my consent. Also giving out false information. That {$470.00} was not me. I was scammed I would like this disputed. I would like the amount of {$470.00} to get exonerated immediately before I get law involved. Thank You!
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I need to dispute a charge on my debit card ending in XXXX from XXXX XXXX made on XX/XX/XXXX for an amount of XXXX, XXXX XXXX It was an XXXX XXXX XXXX, the seller never sent the item to my address and also never provided any tracking number or more information about the shipment. The merchandise must be delivered on XX/XX/XXXX, but until now that has not beed delivered to my address. I tried to contact the merchant several times but they never replied to my or answered the phone.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I was a victim of identity theft several accounts are illegally being reported to my credit report Citizens One XXXX i have also informed the companies of these accounts
Company Response:
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was supposed to receive {$300.00} for depositing {$200.00} a month for 3 months. I met the promotional terms but th the {$300.00} was never credited to my account.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at Citizens One. I did not open or authorize this account, and I have sent a request to Citizens One asking that the account be closed immediately. I also request that Citizens One absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. I've attached a copy of the Internet Crime Report form that I completed on this matter. When I called the phone number ( XXXX ) that is printed all over the citizen 's one bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A