Citizens Bank, National Association Corporate

Complaint ID: 8038255

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: CITIZENS FINANCIAL GROUP, INC.

Complaint: My Complaint involves Citizen 's Bank and XXXX XXXX. Citizen 's Bank reported a false account on my credit report, a revolving account for {$88.00} a month which I never agreed to. I immediately called the company on numerous occasions advising that I never agreed to this, I asked for a copy of any contract that they have to see if there are fake signatures or find out why they think I have obligated myself to pay this and they said they do not have one, and advised me to contact XXXX. I contacted XXXX to complain and ask for any contract or proof and they too said they do not have this information, to contact Citizen 's Bank. I then demanded that any accounts I tried to have with XXXX be canceled because I never agreed to this and to remove from my credit report. Instead they continued to report to the credit bureaus, reporting late payments that I never agreed to, thus lowering my score. I have disputed with the bureaus with results that it was " Verified. '' How can this be verified with no proof, no contract. I do now owe this debt, I do not know the terms of this debt, no APR, nothing other than the fact that they want me to pay {$88.00} per month for a XXXX vacation package that I tried to sign up for, which based on what was represented to me by XXXX would have cost me {$17.00} per month. I have no idea where this {$88.00} per month materialized from. I NEVER AGREED TO PAY THAT TO CITIZENS BANK OR XXXX. I sent both companies cease and desists letters.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8035118

Product: Debt collection

Sub-Product: Other debt

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Company: CITIZENS FINANCIAL GROUP, INC.

Complaint: On XX/XX/2023 through the XXXX website I ordered the XXXX all access product. Which allows you to pay for an XXXX through a monthly payment. This the link XXXX XXXX XXXX XXXX? XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX The credit agreement was set up by Citizen Bank through XXXX XXXX. I was unaware the ay they set it up it is by XXXX XXXX, the XXXX hardware and the XXXX. This is not the way its been sold to on the webite. It says its an all inclusive payment. The product became defective and on XX/XX/2023 returned the product back to the XXXX store. XXXX did not inform Citizens Pay that the XXXX had been returned and they started chasing me for money. I contacted XXXX XXXX chat and phone, 3 way calls with XXXX XXXX to confirm the return had happened. Now, XXXX did not do their part. I spent hours of my time being passed from department to department, cold transfers having to explain the issue over and over again. Nobody in your company could help so I did your job and sent Citizens pay an email of my return. I thought this matter was resolved. However they called me again on Tuesday XXXX XXXX to tell me I still owe {$380.00} for the game pass. I again explained the situation and again I contacted XXXX and again was passed from department to department. I was then told my case had been escalated and I would get a call back within 24-48 hours. Did it happen? No. XXXX XXXX I called XXXX XXXX and asked if my account had been cleared. They said no and I still owe {$380.00} to them. So again I spent another 2 hours of my time being passed around and nobody could help. I then went in the XXXX XXXX in XXXX and asked for help. Guess what? No help, instead they took my phone and called the contact center and asked me to speak to them. Then guess what another 40 mins being passed around. I got an agent and we did a three way call with Citizen pay again and guess what he put us both on hold for 45 mins and never came back. Citizen pay told me that my credit rating will be affected if the matter isnt resolved or payment made to them. They are you making my life so difficult and causing me so much stress and anxiety I will have no choice to pay {$80.00} to them to cover the late payment so my credit isnt impacted. I am disgusted by the level of service from XXXX and I pay for a total tech membership. I need this matter resolved immediately. 1. citizen pay need to be contacted and my account with them closed and the money I had to pay to them refunded 2. XXXX staff need to be trained on this product and customer service both instore and via the contact center. 3. I want credit for the purchase of the total tech membership as this level of service is not acceptable even for a non-paying customer. 4. I want compensation for my time, stress and XXXX of {$1000.00} minimum via a gift card for this. I am furious, upset and disgusted by XXXX. On the the website the FAQs state : What happens to my XXXX XXXX XXXX XXXX membership if I return my XXXXXXXX XXXX XXXX purchase? A : If you redeemed the XXXXXXXX XXXX XXXX XXXX XXXX membership prior to returning youXXXX XXXX XXXX XXXX XXXX XXXX the XXXX of XXXX XXXX XXXX XXXX will be removed from your account at time of return.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8034806

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: CITIZENS FINANCIAL GROUP, INC.

Complaint: This morning I had {$7600.00} in my checking account at Citizens. At some point today, Citizens took {$5400.00} out of my available balance and put it as " pending ''. My account now has an available balance of {$2200.00} instead of {$7600.00}. I did not authorize this action by the bank.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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