Learn your options to get your voice heard and make Citizens Bank pay
So you have a complaint about Citizens Bank hidden fees, misleading sales tactics, or potential fraud issues with Citizens Bank.
At this point, you’ve probably tried to call Citizens Bank customer service. You have probably spent hours on hold, receiving automated responses, and maybe even getting to talk to a person who invariably couldn’t fix your problem. So now you want to know:
Read on to learn about different ways of filing a claim Citizens Bank, and what you should know about each:
File a Claim against Citizens Bank in Small Claims Court
What is it? The fine print of your agreement with Citizens Bank doesn’t let you sue Citizens Bank in most courts. One exception is small claims court. Small claims court gives you the chance to bring your complaint before a local judge. It’s up to you to follow the procedures based on where you live, make sure your case qualifies, and pay the associated fees. Most small claims court limits range from $2,500 to $10,000 depending on your state, and they can only provide monetary compensation, not equitable compensation. If your case qualifies for both, this might be a good option.
When to try it: Try this when you have a lot of time and energy on your hands to go back and forth to your local court and fill out corresponding paperwork before your court date.
What you need to do: Find your small claims court based on where you live. Your small claims court should have online information about how to file a court case. Every small claims court has unique procedures and failure to follow each and every rule can result in your case being thrown out so it’s very important that you do your homework.
What to expect: If you follow all the steps precisely and have a strong claim against Citizens Bank, there’s a good chance you’ll get compensation. Additionally, Citizens Bank might offer you a settlement in exchange for dropping the civil suit.
File a Complaint against Citizens Bank with the Consumer Financial Protection Bureau
What is it? The Consumer Financial Protection Bureau (“CFPB”) is a federal government agency that regulates much of their business. The CFPB provides an informal channel for consumers to submit claims and complaints about Citizens Bank. Their internal procedures determine what happens next though. You can read about these procedures here.
When to try it: If you’re frustrated and want to make your complaint available to the government and the public this is a good option, but be advised that a CFPB complaint is generally not a way to pursue compensation.
What you need to do: File an informal complaint on the CFPB’s public website by following the instructions here.
What to expect: Your complaint will be posted online in a public database where other members of the public can see it. The CFPB might use it to make regulations down the line, and even reach out to Citizens Bank to get some follow up information. You, however, won’t likely get an individual response.
File a Better Business Bureau Complaint against Citizens Bank
What is it? The Better Business Bureau (“BBB”) and its local chapters are private organizations that collect and publish complaints against big companies like Citizens Bank. They also provide a public, internet platform for said companies to respond to those complaints.
When to try it: When the Citizens Bank BBB page shows that it is actively involved in responding to complaints you have a higher chance of getting a response and possible compensation. Alternatively, if you aren’t worried about compensation but just want your issue known, you can post at any time.
What you need to do: Go to Citizens Bank’s BBB profile and follow the instructions for submitting a complaint.
What to expect: This depends on whether Citizens Bank actively responds to its BBB complaints. If they do, you might get a response asking for more information or attempting to fix the issue. But it’s entirely up to Citizens Bank to decide.
File a Claim Against Citizens Bank through Independent Arbitration
What is it? Your contact and user agreement might prevent you from joining or filing lawsuits against Citizens Bank, but you can use independent arbitration. This costs Citizens Bank money so if you let them know that you have started independent arbitration against them, they might be more willing to take your situation seriously and give you a response.
When to try it: If you believe that Citizens Bank has intentionally misled you, violated their contract with you, or broken the law, you can pursue compensation with arbitration. Usually with arbitration you have to have a specific request about how Citizens Bank can make the situation right.
What you need to do: Fill out our form below or start your claim against Citizens Bank.
What to expect: For more details about arbitration, click here. (For a list of companies we process complaints against, start here.) Share your Citizens Bank complaint today!
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