Date Received: 2019-09-11
Issue: Closing an account
Subissue: Can't close your account
Consumer 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:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer 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:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer 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:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Problem when making payments
Subissue:
Consumer 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:
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I got a loan with Citizens Bank on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XX/XX/XXXX I paid on the XX/XX/XXXX. Starting in XX/XX/XXXX they no longer took credit card payments and only would take checking. I called a called citizens and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. Citizens did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX Citizens was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called Citizens to fix the situation but the representative blamed me and later hung up on my call. Not only did Citizens make the process to pay harder but blamed me when I made payments in good faith.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an email notification from Citizens bank that my account had too many failed login attempts and had been locked out. Considering that I do not bank at citizens, I was very concerned and called the customer service phone number in the email. The first time I called, the customer service associate I spoke with told me I did not have an account with Citizens. I hung up and called again, choosing the Online account services prompt. This customer service associate confirmed that I did have an account with my personal email, and told me he would have the email removed from the account. Unsatisfied by the fact that I have now gotten 2 different stories, I called customer support again, and after giving my information to the customer service associate, she was asking questions about what type of account I had, and when I told her I was not sure, I just wanted to check the balance on all accounts, she said " why should I give you your balance if you don't even know what type of account you have with us? '' I then drove 2 hours to the nearest open branch location. I called the bank branch at XXXX XXXX when I left my house to ask the bank to place a hold on all accounts. They said Ok. When I arrived at the bank, I was placed in an office with a man named XXXX XXXX. I explained my concern and told him I would like all accounts in my name or using my social security number to be closed immediately. He was unable to find an account at first, and had to call customer support. With their help he found 2 old accounts from 11 years ago that were Charter One bank, which Citizen 's bank bought out in the past. I agreed that those were my old accounts, but I stated concern that my personal email was sent a message about a login attempt to an account which has been closed for 11 years. It did not make sense to me, or XXXX. XXXX called Online services, and got the same type of run-around that I did earlier today. XXXX also called another number, to a third party Credit card vendor that I also had an account open with the bank, which I do not remember at all. The last for account numbers of the account are XXXX. At this point, the Branch manager came in and asked if she could help. After explaining the situation to her, she told me that " maybe a computer glitch from another customer triggered the login failed email '', but this story does not make sense to me. I am rather fed up with Citizens Bank giving me the runaround, and if my exhusband has been using my identity again, and they are allowing him, I will proceed with the fullest extent of the law.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/2019, Citizens Bank took out for auto payments for {$730.00} two times, I called them to resolve the problem, was told they would mail me out a check on XX/XX/XXXX of {$730.00} because they have no way of putting the money back in my account. Here it is XX/XX/2019 still no check. I have called them every week about this, was told it takes 10 to 14 business days to receive. Just called them on XX/XX/XXXX no check, we are going to mail out another check, give it 7 to 10 business days now. I want this resolved asap. Thanks
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: The loan amount account was closed. I called them right after I filed chapter XXXX to tell them that this car loan was not included in the chapter XXXX. I was told that Citizens Bank would hold the loan open and keep tacking the payments from my checking account every month as agreed. It has been reported to all credit agencys that Citizens Bank has closed my loan with out any notice to me or the Bankruptcy Court. Be on notice that my attorney will deal w/them by XX/XX/2019. XXXX XXXX XXXX XXXX.
Company Response:
State: IL
Zip: 60110
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This complaint submission is in regards to an Unauthorized Inquiry reported by CITIZENS BANK. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Consumer Finance Department by the name of XXXX XXXX, who claim they don't have anything on file. I then received their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Supervisor XXXX had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITIZENS BANK immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Been charged a fee of XXXX a month for the past 11 months by a company called Citizens One Personal Loans. I never signed a contract with them nor did I ever agree to the terms. I disputed this charge with XXXX XXXX and they stated that Citizen One sent them a contract but upon reviewing the contract there is nothing on it that I have agreed to the terms. I had never seen the contract before nor did I ever know about them. Upon further investigation I have come to realize that XXXX XXXX XXXX works with Citizens One and they are the company charging me to rent the equipment that is not working. The only agreement I am aware of is with XXXX for {$54.00} a month not the {$94.00} they have been charging me. Did I mention they are charging me for equipment that isn't working? I've contacted Citizens One many times telling them that I did not agree to these terms and I was not aware of any additional equipment charges and they continue to call and harass me. I've told them I want everything in writing and they said that they do not write letters and they are going to continue to call and harass me. I have not signed anything or agreed to any of their terms and I am continuously getting charged.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A