CITY NATIONAL BANK CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/24/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92101	Web
To Whom it May Concern, Summary : I am writing in regards to a recent re-finance that my husband and I engaged in on our commercial property. For the purposes of the refinance we moved our mortgage away from City National Bank to a new bank. My complaints are in regards to : ( 1 ) t he opacity and one-sided nature of the City National Bank yield maintenance pre-pay penalty language as presented in our original note ( dated XXXX XXXX , XXXX ) and ( 2 ) City National Ba nks failure to honor the prepay penalty amount in their original demand lett er ( d ated XXXX XXXX , XXXX ) d espite the fact that the re-fi transaction closed within 30 days. Timeline of events and corresponding attachments, from XXXX XXXX , XXXX - XXXX XXXX , XXXX : - XX/XX/XXXX : We move our mortgage on our property to City National Bank . Attachment # 1 is the Property Deed between our family trust and City National Bank dated XXXX XXXX , XXXX , and signed by my husband and myself. Please notice the pre-pay language that stretches for XXXX pages, from the end of Page XXXX to the end of page XXXX . Section XXXX is of particular importance for the sake of this discussion. Fast forward more than 2 years later - XX/XX/XXXX - XX/XX/XXXX : We are unable to agree to new re-fi terms with City National B ank so my hus band and I decide to take our business to XXXX XXXX XXXX . On numerous occasions I asked about the pre-pay penalty calculation. I would think that as a fairly educated person I should be able to calculate the penalty amount on my own, but this was not the case. My colleagues and I all came up with different numbers ( all folks with MBAs in finance by the way ). When I aske d City National to calculate it for me it would take days and sometimes weeks, after multiple requests, to receive a response. - XX/XX/XXXX : City National bank furnishes the attached demand letter addressed to th e Title Company ( Attachment # 2 ) dated XX/XX/XXXX in which our pre-pay penalty for re-financing our property is {$5200.00}. The letter has no expiration date and provides a calculation for each day beyond the XXXX day. Given the fact that it is industry-standard practice that these demands are good for 30 days, and no expiry is provided, we considered their demand to be final. As any rational consumer would do, we then based our financial plans and final loan agreement with XXXX XXXX on all the demand letters submitted, including this one from City National Bank for the pre-pay penalty of {$5200.00}. - XX/XX/XXXX : Roughly 27 days following the date of that pre-pay demand letter fro m City National we close. The closing statement dated XXXX is attachment # 3. No te that the pre-pay penalty of {$5200.00} corresponds to the XXXX City National Bank pre-pay letter. - XX/XX/XXXX : The Title company is contacted by City National Ba nk saying that the pre-pay penalty amount wired needed to be updated to reflect the increase in interest rates and threa tens to return the wired funds if the balance is not paid immediately. An updated demand letter is produced by CNB. See attachment # 4 for t he new demand in addition to attachment # 5 for t he correspondence betwee n the Title co mpany and City National Bank. Attachment # 6 is the final closing statement provided b y Title d ated XXXX XXXX , XXXX . Notice that it does not correspond to the XXXX revised CNB demand letter. There was so much confusion caused by the calculation in the XX/XX/XXXX note, even internally at CNB, that the final calculation would change daily and sometimes multiple times in the same day during this period. Eventually the prepay penalty balance due arrived at a total of {$6300.00 } ( or {$11000.00}, the new pre-pay penalty, minus the amount already wired, {$5200.00} ) - XX/XX/XXXX : I am notified by my banker at XXXX XXXX that we must furnish an additional balance due to City National on a ccount of the pre-pay penalty change. My reaction was utter disgust. First City National Bank designs its prepay penalty language to be so confusing as to be unintelligible to even someone with above average intelligence and an XXXX . And, on top of riduculous math, the language is written in such a way that City National c an capitalize on swings that give them a favorable outcome, but we as the borrower fail to receive the same consideration. Would CNB be chasing us down for a refund had interest rates gone the other way or would they claim they could not due to administrative convenienc e ( Section XXXX )? I am confident it would be the latter. Then, to change the pre-pay penalty owed AFTER WE CLOSED even though we closed within the industry standard 30 days? How can any average consumer or business owner make plans if the amounts owed are a moving target? - XX/XX/XXXX : For 3 days I attempt to reach a favorable resolution with City National Bank and unable to do so. Title wires {$6300.00} on XXXX so that the transaction can be completed, XXXX XXXX can move into first lien-holder position and to prevent return of all wires. I cut a check the same day to the title company for {$6300.00}. Conclusion : City National Bank acted deceptively. Their contractual language is purposely confusing and rigged to favor City National Bank depending on the circumstances. Same goes for their pre-pay demand letter. I would like to understand what recourse I have in recovering the additional balance of {$6300.00}.
02/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92672	Web
1. In early XX/XX/XXXX, I called in to closed my City National Bank ( CNB ) credit card account. I was asked to pay off the outstanding balance immediately. Over the phone, I paid through bank ACH. CNB service representative confirmed that the balance had been paid off. I asked for a copy of last statement. CNB representative agreed to provide. I also told her that if theres any other bills posted later, just send me the bill and I would take care of it. 2. I never received the last statement, but did received a letter confirming that the account was closed, and theres nothing I need to do if the outstanding balance was paid off, which was what I was led to believe. 3. On Friday, XX/XX/XXXX, XXXX XXXX XXXX, assistant VP, relationship manager from CNB, called me out of blue and said that there is outstanding balance unpaid. I asked for details. She didn't have them, but said that she had requested from other department and would email to me soon on the same day or next business day. 4. I did not received any email from her. After a week on Friday, XX/XX/XXXX I call her to follow up. During our phone conversation, she forwarded me the missing statements from last three months. This was the first time I received them. 5. According to the XXXX bill, theres a charge of {$260.00}. She explained that its likely that the charge was posted after I paid off the then outstanding balance {$420.00}. On XXXX bill, CNB charged me an interest fee of {$2.00}. On XX/XX/XXXX bill, CNB charge me another interest fee of {$2.00}, in addition to a late charge of {$15.00}. The total outstanding balance is {$280.00}, due XX/XX/XXXX. 6. Its important to reiterate that I have never seen these bills before, therefore can not be responsible for the late payment. CNB never delivered the statements to me in any format until our second conversation. XXXX XXXX recognized this fact and explained that its because that the account had been closed. We agreed that Im only responsible for the initial charge of {$260.00}, and she would remove the late fee and interest charges. She also agreed to revise the bill then send me for my payment process. 7. XXXX XXXX also said that she had request physical copies of these bill to be mailed to me. She said those statements were mailed out around XX/XX/XXXX or XX/XX/XXXX. I have yet to receive any as of today, XXXX. 8. Further, when I asked her if CNB reported to any credit bureau on the missing payment. She confirmed that CNB did not do that, emphasizing thats her first question to CNB 's credit card department, and they havent reported. While I think that we had solved the problem, the situation just got worse. 9. On XX/XX/XXXX, I received notifications from credit monitoring service that City National Bank reported missing payments on my credit history. 10. My credit scores I checked all dropped substantially due to CNBs incorrect report. CNBs report is inaccurate, unjustified, and unwarranted. Also, for multiple times, something was said to me by CNB but turned out to be false. This pattern is disturbing. 11. In my XX/XX/XXXX email to XXXX XXXX, I urged CNB immediately reach out to all credit bureaus to reverse the negative reports on my credit history, and follow up to verify that the damages are undone. 12. On the same date, I mailed CNB a check at {$280.00} only in order to prevent further damages. CNB has cleared my check, reported to credit bureaus about the paid off balance, but failed to reverse the negative report about the missing payment. 13. I then disputed with all three major credit bureaus about the wrong report.XX/XX/XXXX corrected on the same day. XX/XX/XXXX and XX/XX/XXXX are still investigating. I was told that it would take a month to close. As of today, these disputes are still pending. In other words, CNB never bothered to correct its mistake. 14. CNB has caused me aggrevation, loss of time, and damaged credit reputation. 15. In the same email I sent to XXXX XXXX on XX/XX/XXXX, I also I demand CNB to return the late fee and interest to me, since CNB is not entitled to them, and she already agreed to remove them during our conversation. CNB has not responded to my request.
09/08/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	CA 91387	Web
XXXX Heloc loan removal of lien on home charged off and closed in XX/XX/XXXX/XX/XX/XXXX without our knowledge City National Bank XXXX XXXX a HELOC loan was opened with City National Bank {$87000.00}. In XXXX a financial credit advisor brought to our attention that CNB had charged off and closed the loan in XX/XX/XXXX from looking at our credit reports. We had absolutely NO idea about this for we had never received any notification or explanation as to why it was closed and charged off as we were making regular payments. On the payment history form it shows a charge off XX/XX/XXXX and XX/XX/XXXX, XXXX took place after it shows us late in XXXX. During this time the recession was happening and 2nd mortgages/HELOC 's were being discharged. Due to financial hardships our last payment was made in XX/XX/XXXX. Old Credit report show account charged off/closed and XXXX balance due. In summer XXXX we were attempting to refi our home when we were informed there is a lien from CNB on our home. Once again, no idea this was on the title to our home and have not received communication from them in years. I researched the XXXX COUNTY court system for any liens, lawsuits, judgements, transfer of loan or anything relating to CNB in our names and there is absolutely nothing listed. Also, Statute of Limitations has expired in XX/XX/XXXX. We have hit financial hardship since XXXX and trying to stay afloat since there has been loss of jobs and closing of companies. We are trying to get a lower mortgage payment. When I had tried to gather any information I was informed I could only speak to XXXX XXXX ( City National Loan Officer ). Ms. XXXX has been challenging in the past and we had found out has some sort of internal notes in our file ( per vp of entertainment loans at the time ). Example : In XX/XX/XXXX we had a cashiers check we put in our CNB account. Ms. XXXX decided upon herself to hold the cashiers check for 10 days. The origin bank sent over a letter stating the funds were good since it was a cashiers check and tried calling Ms. XXXX whom refused to take the call. This caused our XXXX payment to be late and hit our credit report. I had sent a letter to a higher up explaining what was taking place..no response. Furthermore, an attempt to get a business loan in XXXX was denied based on whatever notes Ms. XXXX placed in our file. In XX/XX/XXXX, I sent a letter to the CEO via mail with no response. Summer XXXX I had spoken to several different CNB employees whom stated that only XXXX XXXX is allowed to deal with our loan. I also have been advised that any CNB/bank employee is able to discuss. So once again not sure what internal notes she has written in the system. We had written a letter to CNB requesting a reconveyance per Civil Code 2914 of our property in XX/XX/XXXX. CNB replied back with a " as requested '' payoff demand letter. No such request was made by us. This is false and unlawful reply. I sent back a letter stating this and requesting once again a reply regarding the reconveyance. CNB reply was the same thing " as requested '' payoff demand letter this time they stated the XXXX does not apply to them. ( Which is four years in the state of California confirmed with legal consultation ) CNB than added 'SOL does not apply to CNB ' however, does not appear in any other statement. I am requesting full account of payments, where the payments went to that we were making and any that show a 6 month delinquent accountability, when and whom placed the lien on the home and why. Furthermore, we have taken substantial pay loss since XXXX and continue to do so over the years and furthermore with the pandemic. We have over $ XXXX in credit card and loan debt that we have insufficient funds. Another job loss is taking place and unemployment is behind. We have had and continue to have medical issues as well. We have had to sell one of our cars and many other personal assets to help make ends meet.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 904XX	Web
This company has not be able to assist me in a matter that was their fault. I had a City National credit card that I always paid on time as it was on auto pay. The account sued for auto pay was a bank account with City National as well. They closed my bank account without my knowledge so the payment for my credit card never went through which caused these late remarks and ultimately a charge-off status. Please read the information below, as this company goes in circles and disregards the fact that they are responsible for this account reporting. I am not disputing the fact that the account was closed as you do have the right to close an account. But by doing this, you have stopped the auto payments, knowing the City National checking account was used for my credit card. By closing this checking account with my knowledge, it has ruined my payments on my City National account. There was plenty of cash in the account for me to pay off the credit card. This is causing severe damage to my credit history. I should have never had to endure this problem on my history. If you would have closed the account by letting me know properly then I could have paid my card with a different account. I own a financial firm and this is severely damaging my ability to run his firm and at this point I will seek damages if this is not resolved. In your letter, it states that a letter was sent out on XX/XX/XXXX that states my deposit accounts were to be closed and to make alternative arrangements for automatic transactions. I do not see that letter attached to this correspondence, so please attach that letter that you speak of from XX/XX/XXXX, as I never received this letter. It also still does not explain why my deposit accounts were being closed. In your letter, it stated that this credit card was to be closed as of XX/XX/XXXX but on my credit report, it states this was closed in XX/XX/XXXX. Please see attached credit report. You also notated that I closed my deposit accounts on XX/XX/XXXX and I had checks issued out. And as I stated my accounts were on auto pay and I never communicated with your company about the closed deposit accounts. There was no communication or letter, but if you have proof of that, please send that in as well. I have never been late on this account and when the deposit accounts were closed, it has caused this whole mess, in which I was never informed they were closed in the first place. You stated a CNB officer wrote and sent a letter on XX/XX/XXXX and XX/XX/XXXX discussing payment options. I also do not have these letter, so please attach those as well. Why would I go five payments past due when I have never been late on this account? Lastly, you stated that The payment was not received until XX/XX/XXXX, which I am aware of. I paid this when I pulled my credit report and seen that this was not being paid on automatically. You said this is accurate reporting, but it is not. You are basing the accurate reporting on the end result. The main issue started on this account before it was even delinquent. I have been loyal customer with City National and I have never been late on my account at all. This credit card has late remarks accessed due to mismanagement and poor communication from City National. How does your company not understand how this is a bank error. All the facts are there, yet your company keeps coming up with denial excuses that have nothing to do with what I am addressing. Your company closed my bank account without my knowledge which caused my auto pay accounts not to get paid and this needs to be handled, period. I have never had an issue with ANY of my banks. I previously asked City National to send the documents I was previously requesting as I was not properly assisted in this case. I am asking that the collection / charge-off status be removed as this should have never been reporting this way in the first place.
01/12/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92620	Web
I submitted a complaint twice against City National Bank on XX/XX/XXXX. The case reference number was XXXX and XXXX. I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/XXXX. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/XXXX and has been used. I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me. But I have not received the letter and gift card replacement from City National Bank until now. I provided my feedback to CFPB on XX/XX/XXXX as below : I didn't received the letter and replaced gift card until today. I called City National Bank credit card customers service and City National Bank rewards department service, all were told they dont have any information regarding my gift card replacement information. Credit card customers service representative asked me to call rewards department, but the rewards department said they are third party and didnt have any information, so they ask me to call City National bank customers service. City National bank customers service asked me to call gift card department, but gift card department told me they they are third party and doesnt have any information. I was very disappointed with CNB response date on XX/XX/XXXX. From the CNB response letter date on XX/XX/XXXX that " City National Bank responded to CFPB as below : A letter was mailed to the client on XX/XX/XXXX, which provides an explanation of the gift card redemption in XX/XX/XXXX, as well as, the delivery of replacement cards. '' CNB was laid to CFPB for the case XXXX. CNB never sent out the responded letter and replacement gift card on XXXX XXXX XXXX. CNB should respond for the gift card stolen since CNB did not provide the gift card shipping track information to me. CNB has to use the safe method to ensure those gift card delivered to me and safe card activation.. I didn't receive the gift card since I was out of the country. How can I file a claim to XXXX for those stolen gift card without card number?
02/27/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 90405	Web
The XXXX Fire of XX/XX/2018 destroyed my second home as well as the wellhouse, workshop, water tanks and solar power on my XXXX acre Ranch in the XXXX XXXX mountains above XXXX. I have a mortgage on the property at City National Bank. In XX/XX/2018 XXXX XXXX paid out my buildings insurance in the amount of {$480000.00} plus {$48000.00} with checks made out to myself - XXXX XXXX - and City National Bank. XXXX deposited those checks, telling me they were in a money market account. It was almost three months before they would give me the details of that loan account. In the period since that money was deposited I have asked for the regulations or protocols governing the banks disbursement of those funds in a case like mine, where I have urgent costs for repair, rescue and recovery before I can get to the rebuilding. I have not received such information from the bank. XXXX has repeatedly ignored my requests for information and persists in treating that insurance payout and the funds therefrom as a loan for which I am applying to them for a new build. They have not acknowledged my circumstances except in the most cursory way. They have shuttled me from one customer " care '' advisor to the next, I am now on my third team of allegedly helpful advisors. None of these people has made the slightest effort to adjust their assertion that I am borrowing for a new build, to an understanding of the realities of catastrophic fire destruction at a property like mine. Instead they are letting time go by, shifting me from one person to the next who then takes a lot of time to " review '' my documents, which are a series of increasingly desperate and upset appeals to them for assistance with funds for emergency expenses associated with my position. I still do not know when and how these people intend to disburse the funds that XXXX have allocated for me to spend on the recovery and repair that has - in order to mitigate further damage and decline at the property XXXX allege to have an interest in restoring - already cost me a great deal. I am deeply traumatized by the fire itself, but almost more so by the callous and cavalier attitude of City National Bank - a small bank that I chose because of its personal touch. Personal and personable up till XXXX of last year and the aftermath of the XXXX Fire. I literally don't know where to turn. I don't want to hire a lawyer and spend money to go after this money, but I can't see how else this will be resolved. I have hired an architect to help with planning the rebuild and from the insurance company and XXXX County we have only received help and warm, consoling advice and support, whereas we have had to struggle with the bank for them simply to pay the architect for his retainer. I have documented the correspondence and can share all the information you might need to look into this. I beg you. Please help me to unravel this knot?
12/28/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92620	Web
I submitted a complaint against City National Bank on XX/XX/2020. The case reference number was XXXX. I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me. City National Bank responded to CFPB as below : A letter was mailed to the client on XX/XX/2020, which provides an explanation of the gift card redemption in XX/XX/2020, as well as, the delivery of replacement cards. But I have not received the letter and gift card replacement from City National Bank until now. I provided my feedback to CFPB on XX/XX/2020 as below : I didn't received the letter and replaced gift card until today. I called City National Bank credit card customers service and City National Bank rewards department service, all were told they dont have any information regarding my gift card replacement information. Credit card customers service representative asked me to call rewards department, but the rewards department said they are third party and didnt have any information, so they ask me to call City National bank customers service. City National bank customers service asked me to call gift card department, but gift card department told me they they are third party and doesnt have any information. I have called CFPB customer service twice for help. All agents asked to open a new complaint.
01/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA XXXXX	Web
CNB Crystal VISA Infinite # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. On XX/XX/2020, I received an email from XXXX XXXX ( please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. Sincerely, -XXXX XXXX
01/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA XXXXX	Web
XXXX XXXX XXXX XXXX # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. On XX/XX/2020, I received an email from XXXX XXXX XXXX please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. Sincerely, -XXXX XXXX
04/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 902XX	Web
On XX/XX/XXXX, City National Bank ( " CNB ) filed a lawsuit through their collections lawyer, XXXX XXXX XXXX against me for collections for three accounts I had with them including a personal credit card ending in XXXX. On XX/XX/XXXX, I entered into a settlement agreement with CNB which was signed by XXXX XXXX, Assistant Vice Principle of CNB. In exchange for payment of {$78000.00} which I made, CNB agreed to " to cooperate with [ me ] if [ I ] file any dispute with any credit reporting bureaus as to the current status of such outstanding loans in dispute in this litigation only... including without limitation to not dispute any requests by [ me ] to have such negative credit entries removed from my credit history in response to any requests by me. On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX and asked them for a deletion letter pursuant to the settlement agreement for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also informed them that I was in the process of buying a house and needed this so my XXXX XXXX can increase for a loan. On the same date, XXXX XXXX and XXXX XXXX informed me that they would not provide me with a deletion letter. Specifically, he said that the agreement does not require them to take " proactive steps and write letters on my behalf despite admitting that the settlement agreement requires CNB to not dispute any request by me to remove the negative entries from my credit. XXXX XXXX also offered to contact the credit bureaus and inform them that the account was settled. On XX/XX/XXXX, I informed him that I do not want CNB to respond to the disputes or confirm with the credit bureaus that my account was settled. XXXX XXXX confirmed that CNB would not respond to my requests to have the negative entries removed on my credit report. On XX/XX/XXXX, I received a letter from XXXX XXXX, Assistant Vice President of CNB stating that they could not process my request for a deletion letter. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX, and renowned expert credit analyst and witness that CNB actually responded to my requests to have the above negative credit entries removed and in fact confirmed the entries.Ms. XXXX, in her capacity as an expert witness, reviewed the agreement and my recent credit report and has determined that CNB is in breach of its agreement with me. I have no other choice but to proceed with filing a lawsuit to enforce the terms of the settlement agreement. If I don't receive the deletion letter I requested from CNB by Monday, XX/XX/XXXX, I am going to court and I am going to hold a press conference about how CNB treats its customers. Thank you for your prompt attention to this matter.
11/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	NY 10036	Web
When I applied for the CNB Crystal Card it was advertised as having a XXXX point bonus offer and I applied by the deadline for the offer. CNB then claimed I am ineligible for the XXXX point offer because they didn't process my application by the deadline for the promotion. They were too slow and that's somehow my fault. I was told not even to bother trying to hit the {$5000.00} spending for XXXX points, because all I would get is XXXX intro points for spending {$3000.00} in 90 days. This was deceptive advertising and should not have been allowed. A company shouldn't be able to delay processing of applications until its terms change to ones more favorable to it. Worse, XXXX XXXX informed me that I would receive the XXXX points once I hit the {$3000.00} in spend and the 90 day mark. Both of these metrics have been hit and they are telling me it will be another 4-6 weeks. In my view, based on these experiences, City National Bank seems to feel as though it doesn't have to honor its promotions, which is incorrect. City National Bank doesn't seem to think they need to advertise the actual product accurately either. I signed up and paid the {$400.00} annual fee only to have many of the most valuable perks stripped from my card mere months after they took their annual fee. CNB should have to provide the product they advertised, or at least wait until the end of the annual fee year to take away benefits that you have paid for. Worse still, they made these changes and are forcing customers who just opened the card to either close the card, which can cause a decline in credit score, or pay the {$400.00} fee again for a product that is significantly less valuable. Previously, employee XXXX XXXX confirmed, you could downgrade the card but they would not allow ME to downgrade it anymore. It's another example of the bank going back on its word. There are even problems using the card 's benefits now. For example, my AU card was registered with Visa for the free in-flight GoGo WiFi passes. The passes didn't even work on a XXXX flight and now CNB is saying it's up to Visa whether to credit the money. This is unacceptable, they should have to make the advertised benefits usable. Lastly, if you look at CNB 's previous responses to my prior CFPB complaints, they seem to be to be snarky and condescending. They do not present themselves as responses from a bank that takes their legal or ethical responsibilities seriously, which is clearly concerning.
06/05/2023	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	CA 91737	Web
I am writing to express my deep dissatisfaction with the recent experience we had while attempting to open a checking account with City National Bank on behalf of our company, XXXX XXXX XXXX. We had initially encountered significant obstacles in our endeavor, as the bank staff seemed uncooperative and insisted on obtaining access to XXXX XXXX XXXX personal banking information before proceeding with a simple checking account application. Eventually, after much persuasion, they relented and stopped requesting unnecessary details that are not typically required for such an account opening process. However, we have now encountered a new hurdle that is both perplexing and concerning. City National Bank is demanding an excessive amount of personal information from multiple individuals within our company, a requirement that we have never encountered with any other banking institution. Compounding our unease is the fact that they are requesting this sensitive information to be transmitted via email, which raises serious concerns about the mishandling of confidential data. Despite numerous requests, I have been unable to obtain a clear explanation or the relevant policy that mandates the submission of this extensive personal information. The bank representatives have been evasive and unhelpful, providing vague responses and continually redirecting my inquiries. They claim to have sent the information, but regrettably, no attachments were included. Only upon attempting to print the PDF version of the email did I discover that an attachment was present, albeit with a file size of 0K, rendering it inaccessible. Such disregard for our legitimate concerns and the apparent lack of professionalism demonstrated by City National Bank have left us deeply disappointed and frustrated. We expected a higher level of service and respect for privacy from an institution of their stature. I kindly request that you investigate this matter promptly and provide a satisfactory resolution. Our company 's banking needs are of utmost importance, and we deserve to be treated with the professionalism and diligence that should be the hallmark of any reputable financial institution. Thank you for your attention to this matter, and I trust that you will take the necessary steps to address our concerns promptly.
01/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA XXXXX	Web
To whom it may concern, I reported my card as lost/stolen around mid XXXX. I have declared a few charges as unauthorized, and have signed an affidavit of fraud, upon bank 's request ( please see attached ). A police report # XXXX has also been filed with the XXXX Police Department, regarding these transactions. On XX/XX/XXXX and XX/XX/XXXX, the bank denied my claim stating all these transactions are valid. First of all, I would like to state that I still consider this dispute unresolved, and disagree with the bank 's decision. I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''. Secondly, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. In the letters sent to me by the bank, I have not been provided with any explanation. All I have been told is that these transactions have been determined to be valid. They have also failed to mention on the letter that I am entitled to a copy of the documentary evidence used by the bank in this determination. According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act. I consider this letter, the bank 's last chance in resolving this matter amicably. Failure to do so, will result in my attorney filing a complaint against City National Bank for violation of the truth in lending act in refusal to provide me with explanation as to why they believe these charges are valid, lack of mentioning the part that I am entitled to a copy of the documentary evidence used by the bank in reaching their conclusion in their final letter regarding the status of the claim, and lastly, refusal to provide me with the documentary evidence used by the bank in reaching their conclusion that I have made a request for, multiple times in writing, including in this letter. Thank you for your time and consideration, Sincerely, XXXX XXXX CNB XXXX # XXXX
10/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	GA 30093	Web
I believe the travel concierge department who handles points redemption for travel owes me XXXX Points. They did not allow me to rebook a flight, in accordance with XXXX XXXX change policy, and forced me to pay for it again with points. Let me explain : XX/XX/XXXX Booked an itinerary Trip ID XXXX on the Travel Portal below XXXX -- >JFK XX/XX/XXXX XXXX -- XXXX XXXX XX/XX/XXXX XXXX Points XX/XX/XXXX 8 days prior to departure, I called to change the itinerary, where I would be traveling only one segment of the itinerary XXXX -- >XXXX on XX/XX/XXXX. The outbound flight ( XXXX -- >XXXX ) would be cancelled and a XXXX travel bank credit would be issued for half of the itinerary. This is current XXXX policy found at XXXX XXXX XXXX This states that for voluntary flight cancellations there is no cancellation fees and the fare is issued as a XXXX XXXX XXXX credit. I then tried to use the travel bank credit through the travel portal to book a flight for my wife on XX/XX/XXXX. I was told that I am not allowed to book a flight using the travel voucher because it can only be done under my name. I discussed with that that according to official XXXX policy, I can use the XXXX XXXX credit for anyone I like. As per the official policy, " The name on the account does not need to match the name of the traveler ''. See screenshot below. Despite citing the official XXXX policy, I was denied the use of the XXXX XXXX Voucher for my wife. Instead, I was forced to book a separate flight for her using my existing points balance. XX/XX/XXXX Forced to pay for a new XXXX flight using XXXX Points Trip ID : XXXX XX/XX/XXXX XXXX XXXX XXXX -- XXXX XXXX for my wife I was told that since I used the XXXX XXXX XXXX portal, I would have to suffer with a more restrictive cancellation policy than what is available by directly booking with the airline. In fact, I did call XXXX directly and they informed me that if I had made the itinerary change directly through XXXX, I would not have incurred any additional points or fees. I do not think that this is fair and I would for the travel concierge to credit my account with the XXXX points that I didn't need to spend to book my wife 's XXXX flight on XX/XX/XXXX Thanks and I look forward to your reply.
01/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94086	Web
On XX/XX/XXXX at XXXX XXXX PST I called customer service at CNB for my credit card ( XXXX ). I was calling to close my account since I had not been using it, and there is no reason for me to keep an account open that has an annual fee which I am not using. The annual fee was charged to my account on XXXX XXXX, and so I called at the first opportunity I had available to address it. I was told that the annual fee ( {$400.00} ) would not be reimbursed if I closed my account, and I was responsible for the full year membership fee of a card which I had not used and was closing essentially at the same time the fee was being assessed. This bank 's practices is a clear example of customer abuse whereby the bank refuses to revert an annual fee charge even if the customer does not use the account at all following the charge and immediately contacts them to close the account. I would imagine there are many people such as myself who have forgotten about this card until the annual fee posts, and called to cancel and have the fee reversed. This is what literally every bank other than this one does. I also suspect that many people just pay the annual fee and forget about the card for another year, repeating the process - which is clearly an abusive practice by this bank. I made a reasonable request for my annual fee to be reversed and my card account to be closed. I was told that in order for an annual fee on a card to be reversed, a " personal banker '' would need to see if that was an available option, and if so, to do it. The customer service rep told me that she would submit the request on my behalf. Since then my credit card statement with the annual fee has posted, and I have yet to receive any indication from anyone at this bank that action is being taken to reverse the annual fee and close my card. I would like my annual fee to be reversed and my card account to be closed. This is a reasonable request on an account in good standing that has no use following the fee being assessed, and the request being made shortly after.
03/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA XXXXX	Web
CNB VISA # XXXX On XX/XX/XXXX, a letter was sent out to me that, effective XX/XX/XXXX, my VISA # XXXX at the City National Bank would be closed, and effective immediately, my credit line at the bank is being reduced from {$20000.00} to {$18000.00}. There was no clear reason mentioned on that notice, only that the bank is exiting out of the banking relationship. I am filing this complaint to get more clarification as to why the City National Bank has decided to pursue this action, and if their decision has been influenced by their parent XXXX company, i.e., XXXX, or is this a decision solely made by XXXX and CNB is just following orders? My credit account is in good standing, has been paid on time every time, and the credit account was granted to me based on my good credit history in the US, my credit application had nothing to do with the XXXXXXXX XXXX, and if, or at some point, I ended up having a conflict with their parent company XXXX in XXXX, should not affect my credit standing and accounts at an independent subsidiary in the US. The reason I have the belief that XXXX in XXXX is the one making this decision, and not CNB, is that on that exact same date, i.e., XX/XX/XXXX, my accounts at the XXXX bank XXXX had also been scheduled to be closed, due to the conflict that arose with the bank ( the XXXX bank decided to freeze my accounts for no reason, and after a legal challenge, they were forced to release the funds ). I would like to let bygones be bygones and continue my banking relationship with CNB, which is an independent US bank, regulated by an entirely different sets of rules and regulations. If there is any chance that the bank could revert the adverse credit action they have taken against me, increase my limit back to the original {$20000.00} and stop the closing of the an account in good standing, I would appreciate it. If the bank still is staying with the decision to close my credit card account, please provide me with a clear reason. Thank you for your time and consideration. -XXXX XXXXXXXX
11/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 115XX	Web
I currently hold the bank 's XXXX XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the XXXX XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). I became aware of these changes on or around XX/XX/XXXX. On XX/XX/XXXX, I contacted the bank at the 800 number listed on the back of the card and was referred to my banker for further discussion. My banker advised me that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not. In my previous experiences with other nationally recognized banks, a grace period would be extended following the billing of an annual fee to a card account. This provides the cardmember with some time to consider whether the product has been a good fit, and whether or not said cardmember is interested in renewing for another year. In light of the above changes which were not disclosed prior and for which adequate time was not provided for customers to consider, the very least that City National Bank can do is offer such a grace period to its customers.
09/14/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92127	Web
I have 2 loans with City National Bank, and have been paying on these loans for many years. In XXXX of XXXX, I sent payment as usual to City National Bank on the XXXX of the month, and for some reason they claim that they did not receive it until the XXXX, and charged me a late fee of {$220.00}, and I contacted XXXX XXXX, Relationship Officer, and was told that it is not their problem but a issue with post office. The late fee is charged after the XXXX of each month, and since the payment is being sent from XXXX XXXX to XXXX XXXX, as always, believed that there should not be an issue. This month, XXXX, I sent payment on this same loan on the XXXX, and the payment was posted on the XXXX, with a holiday in between ( XXXX XXXX ), and do not understand why the payment was posted in a reasonable time frame with a holiday? I then sent payment on the other loan on the XXXX of XXXX, and they claim that it was not received until the XXXX, which again does not make sense since the other loan was received within 5 days with a holiday, and they want to charge me a late charge again, now on the other loan. I contacted them on the eve of the XXXX to see why it had not been received, and they did not respond. I have contacted XXXX XXXX, customer service, and XXXX XXXX ( supervisor for XXXX XXXX ), and they tell me that it is my fault and the postal service. I have been paying the same on these loans for 8-10 years, and yet they give me no courtesy on this situation and I can not continue to be paying late fees on these loans. I am sure this is happening to other consumers, and is not fair lending practice to not apply payments in a timely fashion. I would like someone to look into this practice, as I have other loans and do not have any issue with any other lender besides City National Bank.
06/28/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	MA 02116	Web
On Thursday, XXXX XXXX I set up and was approved for a personal checking account with City National Bank. I was given an account number and routing number and was told by my account representative that I could begin immediately using the account and make appropriate direct deposit arrangements with companies or entities paying me to send money to my new account with City National Bank. On XXXX XXXX and XXXX XXXX I arranged with and did the appropriate paperwork with many companies and entities to being immediately sending money to my new account with CNB. My account rep at CNB also ordered and sent via XXXX overnight my Platinum Check Card and temporary pin number to me which I did receive on Monday, XXXX XXXX. Based on the account being opened on XXXX XXXX, I closed an account with a existing financial institution. On Monday, XXXX XXXX after informing over XXXX companies of my new account and new direct deposit instructions I was contacted by a very rude CNB representative stating my previously approved account was now being closed due to alleged negative information they received from ChexSystems. They were very uncooperative and insensitive to the fact that 4 days prior they approved the account and I had already made many arrangements for direct deposits to go to my new account. Emails to executives were with met with rudeness, disrespect and lies. The account was never reopened. I also was informed that if in fact XXXX had a negative report on me, CNB would have known immediately on XXXX XXXX when attempting to set up my account. Not 4 days later. This bank has caused a lot of unnecessary stress, wasted time and severely disrupted my life as now payments I was expecting will be delayed due to companies already changing bank info for direct deposits.
10/08/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92620	Web
I used my City National Bank award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. that, I called CNB reward customers servers to ask my order to check my order status and shipping information. The agent told me they can not check my order status since my credit card was canceled, but they can see my order was being processing. Since Covid-19, I left United Stated in XXXX and return in XXXX. I checked my mailbox and didn't see the City National bank gift card. I called City National Bank rewards department and agent told me they can't track my orders and asked me to call City National Bank customer Services. I called City National Bank customer Services, but agent told me that I should contact City National Bank Rewards department. Back and forth, I called too many times to City National Bank customer Services and City National Bank Rewards development. Finally, one agent promised she will help me to check the status and call me back in two days, and she gave me a reference number # XXXX but after week, I called City National Bank customer Services to query my case, but was told my case was closed and asked me to City National Bank Rewards development. I called again and again, finally one agent help me to talk with her supervisor and told me will call me back in two days. I received a email from City National Bank Rewards development today and was told my Visa gift card was delivered on XX/XX/2020 and has been used. I never received those two Visa gift card. I asked for shipping tracking information in XXXX, but CNB didn't give me.
03/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	DE 19709	Web
I made a {$150.00} at XXXX for a car rental reservation using a City National Bank credit card on XX/XX/XXXX for travel date in XX/XX/XXXX. I cancelled the reservation late XX/XX/XXXX and the merchant promised to issue a refund. I reviewed my account and could not locate a refund on my account and proceed to initiate a chargeback through City National Bank on XX/XX/XXXX. A phone agent took my information for the chargeback dispute. I received a letter on XX/XX/XXXX from City National Bank stating they will not able additional assistance to resolve the matter and stated the dispute was received more than 60 days after the transaction first appeared on my statement. Meaning since the charge appeared on XX/XX/XXXX, I have no later than XX/XX/XXXX to initiate a dispute. This is a wrong position to take on chargeback resolution as the date for dispute should tie to the expected date of service not the transaction date. Furthermore, Visa allows cardholder to initiate chargeback up to 6 months after the service date and for fraud or egregious cases, there is no deadline to file a dispute. I contacted City National Bank on XX/XX/XXXX again and the agent repeat what was stated in the letter and refuse to provide additional assistance. They don't want to help resolve the matter and suggest I suggest the merchant for additional assistance. City National Bank does not understand chargeback rules and procedures and deflect responsibilities. City National Bank is obligate to provide payment dispute resolution even though I have cancelled my account with them 3 months ago.
08/14/2018	No	Mortgage Other type of mortgage	Trouble during payment process	CA 90605	Web
I have had my mortgage loan {$330000.00} balance since XX/XX/XXXX. City National Bank acquired the loan and is now who I make payments to. I have always paid on time and always pay more than my minimum payment which is only {$2200.00}. I have paid $ 2600- {$2800.00} every month on time and have the payment coupons to prove it. I always walk my payment in to the branch to ensure I get a copy of the payment coupon. On XX/XX/XXXX I received a phone call from XXXX XXXX at City National Bank requesting I make some necessary repairs to my property. I told her I was out of town and would handle it right away. By XX/XX/XXXX I had already done the repairs they requested that totaled over {$10000.00}. I then send an email to City National Bank with my receipts and photos of the work completed within 30 days of the call. City National then send an inspector within the next few weeks to see the property. A few weeks later, City National Bank send me a new list of more repairs they requested. I had just finished spending $ 10,000+ on the property. They are now asking me to do some unnecessary upgrades. Meanwhile, they start reporting my mortgage as being late and start sending me letters that my payments are behind and I am not sending enough to cover the payments. I continue to pay almost $ 400-600 more than my minimum payments required. They continue to report on my credit as late. My credit has been ruined now. I am stressed and don't know what to do to get them to stop. I can provide copies of my email chain communication. PLEASE HELP!
11/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 95117	Web
I had an issue about a 'returned payment charge ' of {$20.00} with XXXX Visa XXXX card issued by City National Bank . On XX/XX/2019, I received a mail from City National Bank that they will transfer their website from the old one ( creditcare.cnb.com ) to the new one ( cno.cnb.com ). Then I followed their instruction to setup my account on their new website. Please note that the old website does not allow me to setup autopay, so I had to schedule the payment every month. Also, I noticed that the account on new website does have autopay setup, so I setup autopay immediately to avoid late payment. However, I didn't remember if I scheduled the payment for XXXX XXXX statement or not, and it didn't show up on the new account. And I assume the system should handle that with no problem. But I am wrong. The system tried to make duplicate payment for the statement of XX/XX/2019, with the amount {$920.00}, on both XX/XX/XXXX and XX/XX/XXXX. However, I didn't have enough money in my checking account ( of course because I didn't know they will make repeated payment ) and charged me a {$20.00} 'returned payment charge '. On around XX/XX/XXXX, I called the customer service and want to get the fee refunded because it is not my fault. They said they will contact the one whom I applied the credit card with. However, it has been one month and I haven't received the refund yet. I don't want to call them again and spend a lot of time to explain the whole thing. So I'd like to ask for help from CFPB. Thanks for your kind help.
11/21/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OK 743XX	Web
We lived XXXX & had City National Bank in XXXX credit card. Moved to XXXX in XXXX, kept the XXXX credit card. Used the CNB cr card until CNB sold some of their banks to XXXX XXXX XXXX around XXXX XXXX XXXX Just after the CNB cr card balance was transfered to XXXX XXXX XXXX XXXX sent a vendor refund to us back to the closed CNB credit card used on the original XXXX payment. Since then we've received CNB cr card statements with a credit balance of {$41.00}. In XXXX I called the old CNB XXXX XXXX XXXX Bank & asked that CNB pass the XXXX refund on to the new credit card at XXXX XXXX XXXX or a check refund direct to us in XXXX They said they could not. We received a CNB {$41.00} ck dated XX/XX/XXXX with a letter, CNB refunding the credit balance on the closed cr card. XXXX deposited at our local bank but CNB claimed " non conforming image '' and wouldn't clear the check for our bank. Our bank charged us {$10.00} & reversed our {$41.00} deposit. I called CNB customer service number on the cr card statements and they said that was their error & we should redeposit their check. We did, and again CNB would not clear the check & our bank reversed the deposit & charged us another fee. CNB tried to print better refund cks, but they are not good enough to clear. CNB won't issue a DB card for the refund or electronic transfer direct to our bank. " Refund '' check expires XXXX CNB is in XXXX XXXX XXXX XXXX too far for us to drive from XXXX to cash in person. Help
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21157	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
02/19/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92886	Web	Servicemember
I currently have a mortgage with City National Bank. I have had the mortgage since XX/XX/XXXX. I am complaining about unfair business practices by City National Bank. on several occasions between XX/XX/XXXX and XX/XX/XXXX I had to pay my mortgage at the end of the month because of financial difficulties. I would walk my payment into a branch and have it posted to my account for that month. While it was well within 30 days of when it was due the bank would fail to finally post it to my loan for several days after which would ultimately result in a late mark on mine and my husbands credit. Often times, the bank was in receipt of the funds in their account for the mortgage payment but they would still fail to post it to my account. When I realized they were doing this I provided them with stubs from the bank showing the payments were posted before the 30 days at the branch and that they had already taken out the money for the mortgage payment. They responded that they have up to 5 days to post the money to the account and that paying it at the branch did not qualify as a " posting '' even though it was stamped as posted in the branch. I believe that I was well within the 30 days when I made my payments and that they continued to mark my credit several times because they had an internal posting process that caused a delay on my account.
01/14/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 45211	Web
City National Bank did not provide the CRA Public File in a timely manner ( 5-calendar days ) as per Regulation BB 228.43 ( c ) ( ii ). This occurred between XXXX XXXX and again XX/XX/XXXX. Additionally, substantial parts of my complaint were not placed in the Public File under Comments as per my request and per Regulation BB 228 43 ( a ) ( 1 ). I learned this when I again requested the CRA Public File XX/XX/XXXX. The CRA Officer XXXX XXXX merely referred me to the Public Evaluations online and said " pretty much everything you want is in there. '' When I continued to plead for the entire Public File, he said I had to come to the Headquarters Branch, that he could not produce the files electronically. I explained that the spirit and intent of CRA was to make information available to all consumers by reasonable accommodation and explained a scenario that if I was low-income, without a car, and XXXX and couldn't ride the bus, this should not preclude me from exercising my consumer rights. This conversation string of emails and my scenario were omitted from the Public File and I believe this should be visible for all to see in the Comment File. I urge you to ensure proper violations of law are cited against City National Bank and appropriate ramifications enacted so others do not have to ensure this inconvenience.
08/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 10036	Web
City National Bank continues its rein of false advertising and potentially massive identity theft. First, the Crystal Infinite card which I was approved for has not arrived. There is almost no way to get in contact with anyone regarding the card. You call the customer service center and they send you back to the bank. You call your " Relationship Manager '' at the bank - mine being XXXX at the XXXX XXXX location - and their phone is disconnected ( when I call I get a loud beeping noise ). My email today was not returned. This seems like a massive scam where they have taken your identity but nothing has been provided. They advertise that you can add authorized users but I sent " XXXX '' the extensive PII requested for authorized users last week and called customer service today and they said that no only have the cards not been mailed but " XXXX '' never even added them to the account. Now they have taken the identities of both me and my family members. The government must investigate City National Bank to determine whether there has been identity theft. Further, they are not seemingly providing the products advertised. As previously stated, my card has not arrived and my authorized users, who are supposed to get benefits, have had their information seemingly disappear into thin air.
02/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MA 02478	Web
I signed up for the City National Bank Crystal Infinite Visa in early XX/XX/XXXX. I attempted to close my card on XX/XX/XXXX before the annual fee for the following year posted. I had to call in, and the representative warned me that if the fee already posted to my account they would not refund it. The fee had not yet posted though, so I asked to immediately close my card. City National Bank did not immediately close my card though. They held it open for over a week, charged me the {$400.00} annual fee, then closed it around XX/XX/XXXX. Since I had to pay the annual fee anyway, I asked to reopen the card for the second year, but they would not do that either. I've called both the credit card team and my " relationship banker '' several times and have not yet received a resolution. I've attached my XXXX statement, which shows it closed on XX/XX/XXXX, the date I called in to close my account. I believe CNB behaved deceptively by holding my account open for an extra week to charge me the non-refundable annual fee. Additionally, I tried to change my mailing address on three separate occasions and they never complied leading to all of my statements being sent to a previous address. I'm not even confident they will send a refund check to the right address at this point.
01/31/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	WA 98144	Web
To whom it may concern, Regarding : My mortgage payments for XXXX & XXXX have been sent & paid on time to both Servicers. Servicers have yet posted the amounts to my mortgage. I would like to file a complaint against the following servicers ; XXXX XXXX XXXX XXXX XXXX loan # XXXX and City National Bank. Please conduct full investigation. Servicers have not investigated or conducted a solution to my lost payments. They have yet resolved the issue or have contacted me to explain the next steps that they plan to take to locate the lost mortgage payments. I review each mortgage statement that they mailed and continue to see late fees added to my mortgage. There should be no late fees and my mortgage payments should be noted on my account as paid on time. I have mailed my mortgage payments on time. I have yet heard or seen any results regarding my lost payments. I have proof that both my mortgage payments been cashed and cleared by the servicers. Please see the attachments that I have provided for further review. If you have further questions or need additional documentation, I can be reached at XXXX. Sincerely, XXXX XXXX XXXX *Copies of all emails, phone call records, bank statements and loan statements relevant to the incident are attached.
09/14/2017	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 92127	Web
I have had an issue with City National Bank the past 2 months with not applying my payments in a timely fashion, and charging me late fees on 2 loans that I have with them. I have had these loans with them for 8-10 years, and have been consistent on payments for all this time, and suddenly they are being very difficult on the payments and not applying in a timely fashion. I have sent these payments on the XX/XX/XXXX-XX/XX/XXXX of the months consistently the same way since the inception of these loans, and suddenly it is not proper and fees are being charged. I can not continue to be charged these fees, and want to know why this is happening. I have contacted the relationship officer on these loans, XXXX XXXX, and he just says that it is the postal service and my fault, yet I sent a payment this month on the XX/XX/XXXXwith a holiday in between, and they posted it on the XX/XX/XXXX, which makes no sense since they take a week or more on the other payments posted late. I explained that I am paying in a reasonable fashion, but they keep blaming me and the postal service, but yet they are inconsistent on applying the payments. It does not seem fair to assess late fees on a long time customer that is paying the payments in a reasonable period.
05/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	GA 30093	Web
I have an active City National Bank Visa Infinite Credit Card. As part of the agreement, I earn reward points for travel purchases. The bank has engaged in unauthorized/fraudulent deductions of the reward points balances : In XX/XX/XXXX XXXX reward points were deducted without my permission or knowledge In XX/XX/XXXX, XXXX reward points were again deducted without my permission or knowledge. I have contacted the bank and banking representative XXXX XXXX, Tel : ( XXXX ) XXXX \| Cell : ( XXXX ) XXXX XXXX in regards to this issue at least 3-4 times and I have not received a resolution from the bank. I was provided with a claim by the bank that these point deductions relate to fuel/gas pump transactions. While those fuel dispensing charges are valid, no point deductions were authorized as part of the fuel transactions. Attachements : 1. XXXX = This shows unauthorized point redemption activity on the XXXX Statement 2. XXXX = This shows unauhtorized piont redemption activity on the XXXX Statement 3. XXXX = This is a receipt for the transaction for fuel charges that the merchant states is associated with point redemption ( this receipt or invoice does not reflect any point redemption )
11/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 115XX	Web
I currently hold the bank 's Visa XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the Visa XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). I discovered these changes on my own several days after they occurred ( the bank has not yet formally informed me ). I was advised by the bank that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not.
04/03/2015	Yes	Bank account or service Savings account	Deposits and withdrawals	CA 92308	Web	Older American
My wife and I purchased IRA 's at City National Bank in XXXX XXXX ( actually it was the XXXX XXXX, CA branch ). The IRA Certificate Numbers XXXX and XXXX XXXX. I moved from the XXXX XXXX address in XX/XX/XXXX and gave the address change to the bank. Bank statement received showed that address. The IRA 's were automatic roll overs, so without regard to out further contributions, they should still be there generating money. I wrote to City National ( via fax ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with all our info attached. I was promise they would get back. I talked with a XXXX XXXX. They indicated the funds escheated to the State of California. The State of California 's XXXX 's office has no such records as of XX/XX/XXXX under my social security number. My wife ( XXXX XXXX XXXX ) do not recall cashing either out, changing the directives or getting any notices. I will scan and send all my information for your review ( as I previously did City National Bank ). We lost our money. We want it back with the compounded accumulated interest from roll overs and published rates. I understand I will need to submit a separate request for my spouse.
02/19/2017	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CA 92886	Web	Servicemember
I am filing a complaint about City National Bank. I currently have a mortgage loan with City National Bank. They have been reporting an incorrect loan balance which shows I owe more than I ever even borrowed from them on mine and my husband 's credit report for the last 8 months. It is causing my credit score to plummet and it 's hurting my opportunity to refinance my loan. I believe City National Bank wants me to refinance this loan so they can get it out of their bank because the interest rate is so low. They constantly call and email me to find out when I am going to refinance my home. Then when my new potential lender goes to pull credit City National Bank repeatedly puts the wrong balance on my report. I have asked them to correct this back in XX/XX/XXXX which they did one time and said it was glitch in their system. The amount was corrected in XX/XX/2016 and my score improved so I could continue with my refinance. Then 2 months later the balance is incorrect again. I email my contact at the bank to correct it and I received no response. I am attaching the letter for the first time they corrected it.
09/26/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NV 89052	Web
In XXXX of 2018 we completed an application for an unsecured line of credit for {$100000.00}. By XXXX we had pulled out all {$100000.00} and started making payments on it. While getting payments set up with the bank was much more difficult than it needed to be, we did make all of our payments on time for the last 18 months exactly as billed. After 11 months City National emailed me and notified me that I needed to re-apply for the loan or not only would the line be closed, but the full amount would be due immediately. I provided assets over 2.5x the credit line and income supporting a very low DTI , but that wasn't enough. They continued to harass us only via text and email, never mail ( just kept billing us the same amount due ) so we decided, regardless of the resolution, we never wanted to do business with City National Bank and started aggressively paying it down. Over the following 5 months we reduced the balance by over {$50000.00}. On XX/XX/XXXX I received another text message from a person at the bank stating we owe them the rest of the money by XXXX or they will file it with collections.
01/11/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 93010	Web	Servicemember
On XXXX XX/XX/2022 I initiated a check # XXXX Payable to XXXX XXXX XXXX XXXX XXXX XXXX ) and sent it via XXXX. At some point said check was forwarded to my bank, City National Bank ( ref. Bank ) at which time the bank debited my account while forwarding the dollar value, {$12000.00}, to some other entity other than the named recipient. Hence the payee reports never having received my payment & instituted late payment charges against my account. Since that time, it has been noted that the check in question was probably stolen at the XXXX, XXXX XXXX XXXX XXXX was advised of the incident, they graciously removed all late charges. However, the Bank has debited my account while undertaking an investigation to identify the whereabouts of my money which they incorrectly distributed to an unauthenticated party. 6 months has elapsed & the Bank has not made my account whole, further they report said restitution could take up to a year or more for them, in the meantime I'd be carrying their mistake, this is not acceptable, and I demand they make my account whole immediately without further delay!
11/19/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 554XX	Web
There are two complaints here. ( 1 ) I am unable to have my account closed with the provider. ( 2 ) I have been unable to obtain a refund of the card 's annual fee from the provider after a material change to the card 's terms and conditions. City National Bank offers the Crystal Infinit credit card. It has a {$400.00} annual fee and a number of benefit programs. ON XX/XX/XXXX, I learned that many of the most valuable benefits would be discontinued as of XX/XX/XXXX. As I had just paid the {$400.00} annual fee on XX/XX/XXXX, I notified City National Bank that I wished to close my account and was requesting a prorated refund of the annual fee I had just paid. Since the provider was choosing to change its terms, this is only fair under contract as I did not agree to the updated terms. After repeated calls and emails to the provider, I have been unable to either close my account or have my annual fee refunded. I am being told that a single relationship manager has the authority to close accounts and that they would call me. I never received a call.
08/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NY 10036	Web
City National Bank is a disaster when it comes to information security and being able to access information. I applied for a credit card. The Relationship Manager I was assigned was XXXX in the XXXX XXXX location. After application, I was completely unable to access any information regarding my application. The phone number she gave me was not functioning. When I went to the branch, a gentleman informed me that he was a different manager and I should wait for her. And their national call line doesn't know where my application is - so essentially I supplied the bank highly sensitive personal information and they did not keep track of it, while almost every employee at the bank refused to discuss the application with me because they told me I had to contact XXXX who has disappeared. This looks very much like a data theft scam. You give personal information to a shady organization, then nobody will speak with you about it and the person they claim will assist you gives you a phone number that doesn't work and disappears.
01/26/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92620	Web
This is my 4th compliant to CNB regarding my gift card order. Please reference my previous compliant ID XXXX, XXXX, and XXXX. In CNB 's responded letter date on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all those letters did not provide the evidence that I received the gift cards, and didnt provide the full gift card numbers. I didn't receive the gift card that ordered from CNB until today. From the gift card transitions records, it is obvious that both gift cards were not delivered to me. Please CNB answer the following questions : Did CNB provide the shipping tracking number? Can CNB provide the my signature for the package delivered? Can CNB provide the evidence that I received the gift cards? Did CNB provide the gift card full number to me? Did CNB provide the protection for the gift card activate? Can you report your gift card lost or stolen just using last 4 digits gift card numbers? CNB has to be responsible for the gift card lost or stolen.
04/08/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 92620	Web
I used my City National Bank ( CNB ) award points to redeem for toal {$600.00} on two City National Visa Gift Card on XX/XX/2020. Order Confirmation Number : XXXX. I never received the my order. In my previous complaints, CNB was not able to provide my signature for the gift cards delivery to proven the package was delivered to me. CNB asked me to contact with XXXX for the gift cards stolen or lost. I have ordered the gift cards from CNB, not from XXXX. The gift cards were ordered by CNB from XXXX. XXXXNB didn't provide the gift cards full information, include 16 digits card number and Security code to me. It is not possible to submit a complaint to XXXX without the card information. Actually, I didn't have any relationship with XXXX for this gift cards order, so CNB has the full responsible for the gift cards stolen or lost. As a consumer and victim of this case, I am looking for CFPB to protect the consumer.
01/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 110XX	Web
To whom it may concern, I called to close my credit card with City National Bank on XX/XX/XXXX. I was told the account was successfully closed on the phone call. The statement closed on XX/XX/XXXX showed the balance to be XXXX. However, City National Bank charged me an annual fee of {$680.00} on XX/XX/XXXX for the following year. Because I closed the account, I was not aware of the annual fee until XX/XX/XXXX when my mortgage broker told me that I have a late payment on my credit report. I contacted City National Bank, but only received a letter acknowledging the error from an associate. However, no one else has given me a definite answer with regards to whether the fee will be waived and whether they will correct the late payment notice on the credit report. The balance of late payment and annual fee is still on my credit statement, and all three credit bureaus are still showing a late payment.
01/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MN 55406	Web
I called the number on the back of my card ( XXXX ) and asked for them to close my credit card on XX/XX/XXXX. On XX/XX/XXXX I received an email from the the local banker ( XXXX XXXX ) asking me to confirm that I really wanted my account closed. I confirmed via email the same day. At that time I had a {$670.00} credit balance on my account. After that, I was charged a {$400.00} annual fee and my account was closed, even though I had requested the closure prior to being assessed the fee. I contacted XXXX XXXX about the issue and she informed me that I would receive two checks in the mail : a {$270.00} check for the refund of the balance and a {$400.00} check to refund the annual fee. I received the first check for {$270.00} ( dated XX/XX/19 ), but the second check has not arrived. I contacted XXXX XXXX again multiple times this week, and all emails are being returned as undeliverable.
07/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NY 11375	Web
I have been told that my credit card application has been declined through email from a banker at City National Bank, so I am waiting for the official decline/rejection letter, but it has been 22 days and I didn't get the decline/rejection letter. I tried to contact the bank who told me the application is not approved and tried to ask the official mail twice. He never replies it me anymore. XX/XX/2019 : I have been told my credit card application is not approved by XXXX XXXX XXXX, Vice President/Relationship Manager from City National Bank. XX/XX/2019 : I didn't get the official decline letter, so I follow up with XXXX and told him I didn't get the decline letter. He didn't reply me. XX/XX/2019 : I still didn't get the official decline letter, so I follow up with XXXX again and he didn't reply to me. As of today XX/XX/2019, I still didn't get the official decline letter.
10/27/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NV 89052	Web
XXXXXXXX ( a Merchant processing service ) perpetuated a fraudulent ACH withdrawal my business checking account for {$28.00} on XX/XX/XXXX XXXX XXXX I did not authorize this ACH, in fact, I provided an email to XXXX rep stating I was not interested in their services. When I noticed the fraudulent ACH charge on my business checking account monthly statement, I immediately sent an email to the XXXX Client Officer, who verified the charge was from XXXX XXXXXXXX. She opened a dispute in XXXXXXXX XXXX XXXX, and as of yesterday, she emailed me to say that " we are at the mercy of the merchant, XXXX XXXX when they wish to respons. '' The Bank refuses to refund my money fraudulent removed from my business checking account, claiming it is up to the merchant to respond. I have the PDF of email string ready to send to you.
04/27/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NV 89030	Web
XXXX XXXX XXXX filed a Fraudulent Check Affidavit regarding two checks that were issued to a XXXX XXXX, XXXX. The checks specifically stated the company name & XXXX different banks cashed the checks to a personal account. XXXX XXXX XXXX filed Filed a " Fraudulent Check Affidavit along with XXXX XXXX, XXXX but the banks, who cashed the checks, have not paid City National Bank the funds that they cashed to an individual. It's certainly the bank that cashed the checks issue. The bank should not allow an individual to cash a check that was clearly made out to a company. It has been over 4 months and the only answer I get is we haven't got an answer from the XXXX banks that cashed the checks. I believe the one Bank is XXXX XXXX XXXXXXXX. How long is a reasonable time frame for the bank to return our money?
08/31/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92612	Web	Older American
I was shopping for a line of credit, and inquired with City National Bank in XXXX, Ca. When they related the terms, I took some time to compare their offer with products offered by other banks. They hounded me to try to close the sale, but I hesitated, because I was not convinced that the rate and terms were optimal. Eventually, they sent me a copy of a 'notice of adverse action ', which they forwarded to XXXX , citing insufficient income ; yet, they never declined the loan offering. It was only when I did not respond, that they took this apparent punitive action. I can produce phone records that prove I never called them after I discovered their product was not attractive ; but, they continued to call me and left voice mails trying to induce me to consummate the loan.
09/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NJ XXXXX	Web
This is a complaint in regards to TRIP ID - XXXX I booked this trip using points ( see attached ), and its supposed to pay for the full fare. Shortly after I booked the trip, I went to the airline 's website, to buy seats and bags. For some odd reason, the airline did not receive the payment from CNB and proceeded to charge me XXXX dollars which is the TOTAL charge for FLIGHT FARE + BAGS + SEATS ( see attached ). This means that the points I used did not go through, but CNB did not refund me the points. I have tried to reason with the XXXX and CNB, no one is taking responsibility. I can clearly see that XXXX charged me the full fare + add ons on my credit card. unless CNB can produce documentation on they have made payments to XXXX, I would like my points back.
09/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33486	Web
City National charged interest fee on two of my accounts on XX/XX/XXXX, one for {$18.00} and {$1.00}. The problem was I made the payment on-time or so I thought as always on the XX/XX/XXXX of every month, which has been my due date for the past few years since I've been with them. For some reason City National changed the due date to the XX/XX/XXXX on all of my account without prior notice and I just found out when I saw the interest charge. I contacted City National and the agent refused to credit me the interest fees. It would've been fair without prior notice and reminder for the new due date then I would've paid on time and avoided interest. Companies can't just suddenly change payment due date and catch people off guard then charge interest on us.
08/11/2017	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90046	Web
I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on the law.
05/15/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92647	Web
CRA violation. Because the contents of a complete CRA Public File were not provided to me within five calendar days of my request, City National Bank did not comply with the requirements set forth under Section 228.43 of Regulation BB. Specifically, Section 228.43 ( c ) ( ii ) of Regulation BB states, in part : A bank shall make available to the public for inspection upon request within five calendar days of the request all the information in the public file relating to the assessment area in which the bank operates. XXXX failed to provide in five days my original request was Wednesday an email dated XX/XX/XXXX at XXXX.
09/29/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 95035	Web
I was the subject of a Confession of Judgment entered in a XXXX court. I have no assets or other property XXXX. I reside XXXX and bank with XXXX XXXX Bank XXXX. The judgment creditor did not domesticate the judgment XXXX but merely served it on a XXXX XXXX Bank branch XXXX who froze my account. XXXX XXXX indicated that the National Banking Act does not require the judgment creditor to domesticate the judgment XXXX in order for them to freeze my account XXXX. I forwarded them information relating to the National Banking Act and how State Debt Collection laws are not preempted. XXXX XXXX ignored my information.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90813	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
11/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	DE 19803	Web
I emailed, called city national bank customer service several times during the past 2 weeks to close my card. They stated only my banker will be able to close it and they have sent an email to my banker to close the account and will get back to me within 48 hours. However, it has been 2 weeks after 3 unsuccessful phone calls to close the account. I also personally called my banker, got voice message and did not hear back. All I need is to close my city national bank crystal credit card.
10/20/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PA 19125	Web
I wired money to CITY NATIONAL BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX. My bank attempted to contact to re capture funds on two occasions and the bank simply did not respond. There customer XXXX XXXX or XXXX images is operating a fraudulent business and advised me to send {$3200.00} and no product would ever send the product paid for. I have reported XXXX XXXX to the XXXX XXXX XXXX and also the FTC. Their bank is who is at fault here.
11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10801	Web
I called City National Bank to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to CNB. I called them multiple times to remedy the situation but have not received any responses.
01/13/2020	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	NY 11365	Web
This bank treated me horrible when calling to inquire about having an account they said I dont deserve to be their customer awful that I dont make enough money and send me an email with a rude manager from the XXXX XXXX XXXX branch he was rude to me the entire day calls me at XXXX to tell me that I cant have an account with no reason He even told me to go somewhere else I can afford this is unacceptable from a bank
10/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90250	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the company efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The company is reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the account must be deleted.
03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 902XX	Web	Older American
On XX/XX/2019 XXXX XXXX opened a credit card with Citi National Bank and forged my ( XXXX XXXX ) signature. I had no knowledge of the credit card card being opened until the bank asked me for payment. I never had a card in my possession. I believe that a former employee, named XXXX XXXX ( not sure of the spelling ), helped XXXX open the card. XXXX is a close friend of XXXXXXXX XXXX
12/14/2019	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 10036	Web
This is about my CNB XXXX XXXX XXXX Credit Card. I was charged the annual fee in XX/XX/2019, then CNB sent notice to me announcing that they are cutting the card benefit significantly. I called customer service to close the card and asked for a refund for the annual fee. The credit card is closed however there is no response to my request for the refund.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73012	Web
City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.
08/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	PA 193XX	Web
A negative balance of {$76.00} on my City National Bank credit card was sent to me by check in XX/XX/XXXX. I never received the check. I requested a new check in early XXXX and also did not receive a check. I called and emailed again in late XX/XX/XXXX and still did not receive a check for the {$76.00} that City National Bank owes me.
08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	NJ 078XX	Web
A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.
12/02/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	GA 30093	Web
City National bank crystal visa credit card account Account does not have online access to view transactions and statements. Have contacted banker XXXX XXXX who has failed to respond or resolve the issue over the last 3 months. Mr. XXXX XXXX is a delinquent, unresponsive, and incompetent banker.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23324	Web
This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90278	Web
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
04/03/2016	Yes	Credit card	Rewards	CA 95129	Web
XXXX XXXX Bank closed my card and withheld the more than XXXX in points I had accrued. Those points have a value of {$1400.00} dollars in airfare or {$1100.00} in cash statements. I want the value of those points, considering that I earned them fairly.
08/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 193XX	Web
I requested to close my City National Bank Crystal Visa credit card in mid-XXXX by phone. I followed up by email. Yet the card is still open and will be subject to a high annual fee when the next cardmember anniversary arrives.
10/02/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	OK 73110	Web
its been a long time it was back in XXXX later they charged me overdraft fees when i wasn't over drawn.as well as amt fees that they said was free. And money taken from from company 's i didn't give concent to
07/20/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	VA 22153	Web
I had a statement credit when I closed my account with City National Bank and I was told by the representative that this overpayment would be refunded via check. This has not occurred in over 2 months.
07/19/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 11365	Web
This bank is confusing and rude discriminating me against opening an account with them i inquired and no one got back to me this is unfair how they conduct business
12/16/2019	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Confusing or missing disclosures	CA 94520	Web
I want to pull from reserve
02/08/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 15017	Web	Servicemember

02/04/2024	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	CA 94509	Web

02/03/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 15017	Referral

12/18/2023	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure	CA 91423	Referral

12/01/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 22630	Web

11/22/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NY 11211	Referral

11/08/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TN 38023	Phone	Older American

08/25/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 07840	Web

08/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 07840	Web

08/21/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 10108	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91403	Web

05/23/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	CA 90231	Phone

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73507	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73507	Web

05/08/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90049	Web

04/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	CA 92116	Web	Servicemember

03/21/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	CA 92324	Web

12/27/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	CA 94804	Web

09/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73008	Web

09/16/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Other transaction problem	CT 06830	Referral

09/13/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 91791	Web

08/09/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	CA 93036	Phone	Older American

07/26/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MT 59405	Phone	Servicemember

07/13/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 92503	Phone	Older American

06/21/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 10021	Referral

05/12/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other service problem	CA 92324	Referral

04/18/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CA 90732	Web

02/17/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	NY 11101	Web

02/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NY 11104	Phone

11/29/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	CT 06840	Web

11/18/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	WA 98012	Web

11/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91748	Web

09/14/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 90213	Referral

08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85388	Web

07/12/2021	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 91354	Referral

06/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94404	Web

05/04/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	CA 90006	Referral

03/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Referral

03/15/2021	Yes	Checking or savings account CD (Certificate of Deposit)	Closing an account Funds not received from closed account	CA 90057	Phone	Older American

01/22/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 91604	Referral

01/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78733	Web

12/31/2020	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	CA 90605	Referral

10/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	ME 04011	Web

08/04/2020	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 91602	Referral

07/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 94587	Web

06/17/2020	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	CA 91915	Referral

05/30/2020	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 11103	Web

03/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Add-on products and services	IL 60657	Web

02/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 10512	Web

01/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	NJ 07666	Web

12/19/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 19382	Web

12/10/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 20912	Web

12/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	CA 92065	Referral

11/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11516	Referral

11/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11516	Referral

09/30/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94404	Web

09/23/2019	Yes	Checking or savings account Checking account	Closing an account Company closed your account		Referral

08/20/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 91343	Referral

05/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NM 88012	Referral

04/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NY 11235	Referral

01/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with rewards from credit card	NY 10023	Web

12/18/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90068	Phone

10/16/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 90026	Web

09/14/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 91331	Referral

08/08/2018	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	NY 10022	Web

07/31/2018	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 91307	Web

07/25/2018	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	NV 89511	Referral

07/06/2018	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	CA 94568	Referral

06/21/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 91791	Referral

12/21/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NJ 07311	Referral

11/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91304	Web	Older American

10/02/2017	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	AZ 86401	Referral	Servicemember

09/05/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 90291	Web

09/05/2017	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA 90853	Web

07/27/2017	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Problem with customer service	AZ 86401	Postal mail	Servicemember

06/23/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA 90291	Referral

05/01/2017	Yes	Money transfer, virtual currency, or money service Traveler's check or cashier's check	Problem with customer service	AZ 86401	Fax	Servicemember

03/20/2017	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	UT 84117	Phone

01/06/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 90210	Web

12/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	WA 98144	Web

08/18/2016	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NV 89145	Referral

07/13/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 90046	Postal mail	Older American

04/18/2016	Yes	Bank account or service Savings account	Account opening, closing, or management	CA 91801	Referral

03/23/2016	Yes	Credit card	Rewards	UT 84088	Web

03/17/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	NY 10038	Web

01/12/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 92028	Phone	Older American

12/15/2015	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 92117	Web

07/14/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 92028	Postal mail	Servicemember

07/09/2015	Yes	Bank account or service Savings account	Account opening, closing, or management	MI 48153	Web

05/13/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 90077	Referral	Older American

04/10/2015	Yes	Bank account or service Checking account	Making/receiving payments, sending money	CA 92019	Web	Servicemember

03/27/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 90210	Referral

02/12/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	CA 91401	Phone

10/21/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	CA 90025	Web

10/14/2014	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	CA 91945	Web	Servicemember

07/15/2014	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 91007	Referral

07/02/2014	Yes	Bank account or service Checking account	Deposits and withdrawals	NY 13214	Postal mail

04/22/2014	No	Bank account or service (CD) Certificate of deposit	Account opening, closing, or management	KY 40509	Postal mail	Older American

01/25/2014	Yes	Bank account or service Savings account	Account opening, closing, or management	MI 48154	Web

10/18/2013	Yes	Bank account or service Savings account	Account opening, closing, or management	MI 48154	Web

09/17/2013	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 91206	Referral

03/05/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 95822	Postal mail

01/19/2013	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 90280	Referral

10/19/2012	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	FL 33411	Referral

10/16/2012	Yes	Mortgage Conventional adjustable mortgage (ARM)	Loan servicing, payments, escrow account	CA 90026	Web

10/10/2012	Yes	Bank account or service Checking account	Deposits and withdrawals	CA 91107	Phone	Older American

06/13/2012	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	WA 98374	Web	Older American

12/13/2011	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	CA 92131	Web	Older American