Date Received: 2021-03-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, my employer announced a reduced work schedule beginning mid XX/XX/XXXX. I contacted Citizens One ( mortgage loan servicing company ) that I need forbearance assistance. The application was granted. I am deeply grateful for this gesture. In XXXX of XXXX, my employer announced an end to the reduced work schedule starting XX/XX/XXXX. The change would be reflected in employee paycheck on XX/XX/XXXX. I contacted Citizens One to inform them that I would be able to pay my mortgage starting in XXXX. See Attachment 1 I uploaded a copy of the letter XXXX XX/XX/XXXX XXXX stating the reduced work schedule is ending in XX/XX/XXXX to the XXXX provided by Citizens One. In addition, I uploaded copies of three pay stub to show income. See Attachment 3. I have done everything requested by Citizens One to ensure my account returns to a " current status '' but everytime I call the customer service would inform me that they are still working on a " work out '' for my account. I made some payments during this period even though I keep getting conflict information. See attachment titled XXXX activity. This non-action continued till the end of XXXX until in XX/XX/XXXX when I insisted ( streaming and yelling XXXX my account be updated and made current. I was told its done and that I should not pay in XX/XX/XXXX. See attachment titled XXXX letter. According to the Citizens One representative, my account has been configured to go current in XX/XX/XXXX. I insisted I could pay for XX/XX/XXXX but was told not to. On XX/XX/XXXX I got notified that Citizens One had filed a delinquency report against my account. My wife and I filed a dispute with Citizens One and at the 3 credit reporting agencies. The report was corrected without an apology for the impact of that report on our credit. Two of my credit cards were closed because of the delinquency report. See attachment titled XXXX report dispute. Then we got another letter in XX/XX/XXXX stating that we requested foreclosure assistance which we never did. I called Citizens One again and was told to disregard the letter that it was auto generated. This probably happened because they lied to me that my account has been resolved. They are still keeping my account in forbearance. See XXXX assistance. I though our account would be made current after we completed XX/XX/XXXX mortgage payment but alas we got another letter stating that our account has been returned to forbearance for another 3 months. See attachment titled XXXX XXXX. I thought this was a mistake. I called was told they needed to put me on forbearance again while they make my account current. Right now I am afraid someone is playing a dirty game to take my house! Why are they trying desperately to keep my account in forbearance forever? Why are they sending me foreclosure assistance when i never requested one? Why did they tell me not to pay in XX/XX/XXXX only to file a delinquency report again our account? Are they trying to prevent us from refinance to a lower rate?
Company Response:
State: MN
Zip: 55038
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I went to bed XX/XX/XXXX and checked my business account and there was {$4.00} in it, which was correct. I was waiting for a Covid related loan to come through and checked again the next morning. The account showed over {$1700.00}. I assumed my loan was deposited. I spent the money to get my small company caught up on bills. Covid has been hard on my bakery but I worked 60 hours a week and was able to stay open. Two days later, my account showed I was overdrawn almost {$2000.00}. I called my branch in stow and explained what happened. I was told there was a glitch in the system with their debits and credits. I told her my business couldnt survive this. I requested a loan to bring my account out of the red and back to good standing. She gave me a few alternatives. 1. Get a payday loan and 2 ask my business landlord for the rent back. I was appalled at these suggestions. I am now over {$2200.00} in the red as they keep charging me {$39.00} for sustained overdrafts.
Company Response:
State: OH
Zip: 44224
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Form 1098 for 2020 we have received wrongly reflected the " outstanding mortgage principal '' as of XX/XX/2020. Instead it reflected the balance which was in the beginning of the year not at the end as it was supposed to do. When I visited the local branch lady called somebody and told me that it is the way Citizens Bank reflects the balance which is wrong. When I asked her for her name she refused to give it to me but wanted to give a lecture which I refused to listen to. This is the second time we filed complaint about the way Citizens Bank reflected the outstanding balance of the mortgage principal. Until today the bank has not fixed the balance we complained about before.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have continual complaint of excess interest charges by citizens one bank and my auto loan. That was issue this recent complaint and Ive complained to the bank more than once. NOW Im trying to jusy pay off the loan and they wont let me pay it off ... proof they continue to bilk me for interest. XXXX XXXX AGAIN handling my complaint same as last year you will get reply from her according to her BUT she had just called me and hung up in my face.. RUDE NASTY and never addressed any actual issue or the fact they KNOW I want to pay off the loan I dont want to do buisines with this corrupt bank. XXXX hung up in my face they have the recording too she said she was fgoing to give me the pay off amount and NEVER did. she said she was going to correct the now additional interest due to their own negligence and obviously that was never done either.. This bank is not allowing me to PAY OFF THE LOAN. Ive informed them since the XXXX XX/XX/2021 I dont want to do business with this XXXX bank and I cant get anyone on any phone or website contact there is NO customer service now they are telling me conflicting information.. they said I could pay with a credit card and transfered me then im on hold still XXXX at night prior saying he couldnt take credit card payment???? XXXX cut me off so I couldnt pay off the loan now anyone I happen to get on phone is unable to take payment??? intersst continues to accrue and I cant pay off the loan because they wont let me!! its one thing after another with this XXXX bank. no one has addressed any of my concerns either this XXXX keeps making same lame excuses that are not accurate at all as I informed original complaint.. NOW they are not letting me pay off the loan!!
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1979 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : CITIZENSONE/CITIIZENS ONE AUTO FI XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEP ED XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am filing a complaint against Citizens, the home loan company located in XXXX XXXX, VA. My complaint is for usury, or effective usury. I am also complaining about Citizen 's failure to communicate, and deception in their communications. Citizens has charged me {$3300.00} in late fees on a total shortage amount of {$6.00} which they failed to accurately notify me over a period of 13 months. These fees are irrational, unreasonable and construe usury. Further, I never got a notice, letter, phone call, nor secure message on Citizens.com to let me know I partially late ( for {$0.00} ) on a payment. Meanwhile Citizens has been charging me {$260.00} each month since XX/XX/XXXX for the short XXXX cents on each months payment. Further Citizens provided intentionally misleading accounting statements showing credit and made no valid attempt to contact me to let me know I was being charged these exorbitant fees. Lastly, I have been trying to resolve this situation with Citizens since the beginning of the year. Every time I call I am put on hold for hours, and sometimes I am not even given an option of waiting. They will call me back which is a period of more than 5 days. I have had a mortgage with Citizens since XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I made an overpayment each month. Then due to a change in circumstances, in XX/XX/XXXX, I reduced my payment to the minimum payment. My monthly payment is {$5200.00}, however I reduced inadvertently to {$5200.00} because rounding on my computer was showing me just {$5200.00}. I would also like to note that, importantly, the payment of {$5200.00} was made on time, every time by automatic bill pay. It was never late. Also, I paid the outstanding balance immediately after speaking with the agent. Which basically was all the late fees that had accrued plus the total late amount of {$6.00}. Because of misleading statements and lack of contact from Citizens, I did not realize I was XXXX cents short on my monthly payment each until I got my tax statement from Citizens for XXXX. This is because Citizen sometimes showed a late fee and sometimes did not. Some months they showed as a fee and some months in parenthesis which implied a credit. I thought they were correcting Citizens own errors with their confusing statement. Each time I I thought they were issuing me a credit. The statement never had a plain XXXX sentence, or any sentence, that said You are {$0.00} late on your payment and therefore we are charging you {$260.00} in late charges. They never sent me a letter notifying me of this continual XXXX cent shortage and the monthly late fees accumulating. They never got in touch with me at all. They said they called me, however they clearly called a number which is answered by a person named XXXX XXXX who is clearly not me. They never followed up with a letter to say we can not reach you. Further, I look at my account the Citizen website from time to time and the fees were not clearly or correctly identified there either. Citizens shows the late fee in parenthesis which usually refers to a credit, not a charge. Moreover, even on their website they never put a sentence or alert to say ***you have been assessed a late fee. I use their secure messaging platform on their website and they also never sent me a notice on their messaging platform or a letter by mail. This is all part of Citizens plan to fraudulently make money. They clearly liked collecting {$260.00} each month on the XXXX cents I was short, and is evidence by the misleading way they issue their statements and their lack of valid attempts to reach out to me. In fact the first time these usury rates were clearly identified was on my XXXX tax statement. I contacted them immediately. Ironically, Citizen apparently waived this fee in XX/XX/XXXX without me even know so it didnt show on my XXXX tax statement. If they had Citizen had not waived the fee for the first month it would have appeared on my XXXX tax statement and I would have noticed this an entire year ago! After my accountant showed this to me I sent an email thru Citizens.com which no one had responded too. After a week I called the support number and spoke to an agent and a manger who both agreed that the {$3300.00} charged for the aggregate total of {$6.00} of late payments was egregious. They directed me to another team at Citizen ( the Research and Fulfillment Team ) to reach a resolution team for a credit. After several more attempts to reach them, I finally got a notice that they would waive one of the months late fees in the amount of {$260.00}. However, I believe Citizen owes me much more. They should be held to only charge a maximum late fee rate of 25 %, which is the maximum allowable amount in New York. You should investigate Citizens. Citizens Bank, N.A. ( NMLS ID # XXXX )
Company Response:
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Draining money out of Landlord -Tenant Escrow Account Dear sir/madam I have an escrow account opened in XXXX for $ XXXX for rent security deposit of my tenant, XXXX XXXX. ( See W-9 provided to bank & all statement show XXXX XXXX XXXX as tenant ) He has vacated my property and I need to cancel the escrow account. I went into Branch on Saturday XX/XX/XXXX, I was told money is draining out of my account as fees. I asked how come Escrow account loose money, it should rather gain interest. I waited for call from branch no call came and went branch with letter. I was told that there was monthly fee being charged of XXXX per month and more than {$300.00} were gone. I have been to branch twice since then ; This account was incorrectly opened by the staff as checking account, even though I have asked for Escrow account & provided W-9. I had 4 similar Escrow accounts which were opened correctly as saving accounts by branch staff and I had no issues closing them after my tenants vacated got full money with interest. I am getting blamed for not reading monthly statements and visiting branch on time to get it fixed and coming after 5 years. Little background on this account, back in XX/XX/XXXX I accidently found money is draining from this escrow account, I went to branch they fixed by making it total XXXX however then also they didnt change to Saving escrow they left it as checking account. ( see XX/XX/XXXX statement attached ) I never thought Escrow account would drain my money out in fees. So never looked up the statements again since XX/XX/XXXX. When I went to close on XX/XX/XXXX I was shocked. Manager asked me of proof of Lease and lease renewals which I emailed, and I will forward to you too. When manager said he didnt get emails, I showed the lease and renewals in my phone too. Manager offered $ XXXX fee credit to me as if it was my mistake of opening an escrow as checking account. This I feel is lack of training and lack oversite on staff who are opening Escrow accounts as checking. I am not sure how many other escrow accounts are opened as checking accounts and fees being collected on them. So, I request to fix the issue and refund my escrow account money total of XXXX/- ASAP. I am coping this email to CFPB ( Consumer finance protection bureau ) to get this resolved and investigate how many other Escrow accounts are being charged with fees. Thanks XXXX XXXX
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: XX/XX/2020 I requested my gym account be closed as gym was closed due to Covid. Gym agreed to cancel my account and continued to bill my account against there word and my revoked authorization causing multiple overdraft fees.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home on XX/XX/21 it closed on XX/XX/21. My old lender Citizens One mortgage is holding my escrow account balance and gives me different amounts that they plan to send at some date in the future. I paid my city ( XXXX ) taxes myself so I could close on my refinance. Citizens One tried to pay them the same week after not paying them the previous summer, with no explanation. My city tax department rejected the payment from Citizens One and they should have refunded me that {$2200.00} plus {$33.00}. The customer service people at Citizens one keep giving me different amounts of the refund they are supposed to be sending and they have not addressed my questions to their online consumer service email system. I have a copy of the receipt from my city 's tax department to XXXX Tax Services, the service company for Citizens One tax payments, rejecting the tax payment because I had already paid all the unpaid summer taxes myself.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A