Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16710861
Complaint Overview
Complaint ID: 16710861
Company: Citizens Financial Group, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Nevada
ZIP Code: 89149
Date Received: 2025-10-20T12:00:00-05:00
Date Sent to Company: 2025-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Entered into forbearance with citizens which ended in XXXX of 2025. I was approved for a loan modification with paperwork dated XX/XX/XXXX of 2025 detailing a trial period for the new payment amount. XXXX trial payments were due between XXXX and XXXX and all were made in advanced and on time. New loan documents were notarized in XXXX of 2025 and updated paperwork confirmed first modified loan payment was due XX/XX/ 2025. Loan was modified to add a balloon payment amount to the end of the loan for all missed payments during forbearance. Citizens has reported all months of the trial period payment plan ( XXXX ) as XXXX days late to credit bureaus. When contacted, citizens has insisted that even though all instructions were followed in accordance with the forbearance and modification process, they are marking the balloon amount due ( from the forbearance period ) as XXXX days late because it was not paid in full prior to the loan being modified. The account now has 5 months of missed payments reported as XXXX days late, even though trial payments were received. First payment of the trial period plan was also made in XXXX ( earlier than required ) and rather than advise me that this needed to be applied to a XXXX day late balance, it was applied to the following months trial payment. No payments during the life of the loan were ever missed or late unless instructed by citizens in accordance with the instructions of their payment plan.
Frequently Asked Questions
What is Complaint #16710861 about?
Complaint #16710861 was filed against Citizens Financial Group, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-20T12:00:00-05:00.
How did Citizens Financial Group, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Citizens Financial Group, INC.?
Yes, visit the Citizens Financial Group, INC. company profile at readthecomplaint.com/company/citizens-financial-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.