Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
This complaint is about a creditor, XXXX XXXX XXXX, / Citizens Bank. This creditor is my bank I use to pay for my XXXX XXXX XXXX XXXX XXXX care payments, monthly of {$560.00}. I have always paid my car payment ON TIME and NEVER MISSED a payment to date. My last payment was on XX/XX/XXXX as its due by the XXXX of each month. Recently, being critically injured in the line of duty as a law enforcement agent and had to file a bankruptcy XXXX XXXX reorganization of my creditors. I have not included my car payment with Citizens bank nor my mortgage payment or company in this bankruptcy filing. I have always paid my car payment on time and Never missed payments ever since my purchase in XX/XX/XXXX to present. Recently, I received a notice from XXXX credit reporting that Citizens reported my account as potentially negative information related to my account with them. This is XXXX % fraudulent, false and misleading information being provided by citizens to my personal credit report for no legitimate reason other to cause more damage to my fico score and me. Even though Ive been excellent customer and loyal consumer to citizens bank. Again, Ive never missed a car payment with citizens XXXX Bank and continue to date to pay my car payment with only XXXX more payments til payed in full. Why would citizens bank report potentially negative information to my personal credit report is just unethical but shameful behavior and poor business practices. Although being injured protecting the fellow citizens but my community against illegal activities, it was not my intention to become critically injured doing so. Im filing a XXXX XXXX to pay back my creditors as a reorganization method to my situation instead of a XXXX XXXX and just not owning up to my responsibilities, but to not add my car payment with citizens bank as well as my mortgage which I continue to pay both on time and will continue to do so, seems outrageous for a company like citizens bank to report potentially negative reports to my credit report without actually being involved or affecting them is just outrageous and unacceptable. Ive always been an excellent customer and consumer, paying my bill on time with Citizens bank but now they report fraudulent and false credit information as to this account that it doesnt affect or even have any relevant credit information to do so is just such an abuse and hurtful thing to do. Taking advantage of my situation by reporting something thats not true as to any negative information to car payment is false and fraudulent reporting. Ill make due to post on social media outlets of this outrageous behavior and horrible customer service by citizens bank and definitely recommend no one ever use this bank for any personal use and highly recommend using XXXX XXXX XXXX XXXX XXXX  for your financial needs. I will also be making a complaint to the XXXX XXXX XXXX XXXX and insurance as to citizens bank fraudulent and false reporting on my personal credit report.

Company response to consumer: Closed with explanation