Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Company Name ( s ) Being Complained About : Citizens Bank Phone : ( XXXX ) XXXX XXXX Address : 1 Citizens XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX In XX/XX/XXXX, I discovered that I had been making monthly payments to XXXX XXXX XXXX for a mortgage debt that was reported on my credit report. However, after multiple investigations by the credit bureaus, the debt was removed from my credit report in XX/XX/XXXX, as a result of being proven invalid after extensive dispute resolution, identity theft and fraudulent documentations. Payments were made to a fraudulent debt from XX/XX/XXXX to XX/XX/XXXX because I was unaware that the debt was not valid. The credit bureau investigations confirmed that the debt was erroneously listed, and as such, I believe I am entitled to reimbursement for the payments I made on a debt that should not have existed on my credit report. 

Payments were made from my Citizens Bank account ending in XXXX and XXXX. Along with payments made from my XXXX XXXX account ending in XXXX. 

Credit Bureau Investigation : Multiple disputes were filed with all three credit bureaus ( XXXX XXXX XXXX XXXX ) from XXXX to XX/XX/XXXX regarding the accuracy of the mortgage debt listed by XXXX XXXX XXXX. As I became aware of the fraudulent debt and documents. My information was also breached in XXXX and I did not become aware until XX/XX/XXXX. 

Results of Investigation : The debt was found to be invalid, and all credit bureaus removed it from my credit report. I have documentation showing that the debt was listed as removed/erased after the investigation completed. 

Violation of Federal and State Laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Under the FDCPA, debt collectors, including entities like XXXX XXXX XXXX and XXXX, are prohibited from engaging in any practices that are deceptive or unfair. I was misled by the ongoing collection of payments on a debt that had been proven invalid, and this caused financial harm. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : According to the FCRA, if a debt is found to be inaccurate or invalid, the credit bureaus must ensure that the credit report reflects this change. While the debt was removed from my credit report, I am still owed reimbursement for payments made from XX/XX/XXXX to XX/XX/XXXX. 

Florida Consumer Protection Laws : Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), Florida Statutes 501.204 : Citizens Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX actions regarding the continued collection of payments on an invalid debt likely violate Florida 's law against deceptive and unfair trade practices. 

Breach of Contract : If the debt was invalid, any agreements or contracts made during the payment period may be considered void. As such, Citizens Bank and XXXX XXXX have failed to honor their legal obligations in good faith, leading to financial losses.

Company response to consumer: Closed with explanation