Total CFPB complaints
644
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 644 complaints
CITIZENS FINANCIAL GROUP, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 48 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CITIZENS FINANCIAL GROUP, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
249 complaints
- Written notification about debt 81
Written notification about debt
81 complaints
- Took or threatened to take negative or legal action 73
Took or threatened to take negative or legal action
73 complaints
- False statements or representation 57
False statements or representation
57 complaints
- Communication tactics 43
Communication tactics
43 complaints
- Cont'd attempts collect debt not owed 14
Cont'd attempts collect debt not owed
14 complaints
C
Grade C · 59.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CITIZENS FINANCIAL GROUP, INC.?
CITIZENS FINANCIAL GROUP, INC. has accumulated 644 total CFPB complaints across 48 states, with 127 filed in the most recent 12 months against 517 historical complaints before that window. The trailing-12-month volume represents 19.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 9% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 48 states, led by Pennsylvania with 69 and New York with 59, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.2/100 places CITIZENS FINANCIAL GROUP, INC. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
127
19.7% of total history
Rising ↑
States active
48
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
9%
After company response
Reputation grade
C
59.2/100 composite
Response-quality profile
How CITIZENS FINANCIAL GROUP, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 17.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 85.7%
Share of US states + territories with at least one filed complaint against this collector.
How does CITIZENS FINANCIAL GROUP, INC. compare to its peers?
CITIZENS FINANCIAL GRO… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed249 (%)
Written notification about debt81 (%)
Took or threatened to take negative or legal action73 (%)
False statements or representation57 (%)
Communication tactics43 (%)
Cont'd attempts collect debt not owed14 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 122 |
| Attempts to collect debt not owed | Debt was result of identity theft | 77 |
| Written notification about debt | Didn't receive enough information to verify debt | 60 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 59 |
| False statements or representation | Attempted to collect wrong amount | 57 |
| Attempts to collect debt not owed | Debt was paid | 50 |
| Communication tactics | Frequent or repeated calls | 43 |
| Written notification about debt | Didn't receive notice of right to dispute | 21 |
| Cont'd attempts collect debt not owed | Debt is not mine | 14 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 14 |
Where do complaints against CITIZENS FINANCIAL GROUP, INC. come from?
The states where consumers have filed the most CFPB complaints against CITIZENS FINANCIAL GROUP, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CITIZENS FINANCIAL GROUP, INC.
Across 48 states with at least one filing
- Pennsylvania
Pennsylvania
69 complaints
- New York
New York
59 complaints
- California
California
49 complaints
- Massachusetts
Massachusetts
48 complaints
- Florida
Florida
45 complaints
- Texas
Texas
38 complaints
- Georgia
Georgia
37 complaints
- Michigan 25
Michigan
25 complaints
Frequently Asked Questions
What is the most common complaint against CITIZENS FINANCIAL GROUP, INC.? ▼
The most common issue consumers report about CITIZENS FINANCIAL GROUP, INC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 644 complaints filed with the CFPB.
Are complaints against CITIZENS FINANCIAL GROUP, INC. increasing or decreasing? ▼
Complaints against CITIZENS FINANCIAL GROUP, INC. are rising. The company received 127 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CITIZENS FINANCIAL GROUP, INC.'s reputation grade? ▼
CITIZENS FINANCIAL GROUP, INC. has a reputation grade of C (score: 59.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does CITIZENS FINANCIAL GROUP, INC. respond to consumer complaints? ▼
CITIZENS FINANCIAL GROUP, INC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.
In how many states does CITIZENS FINANCIAL GROUP, INC. operate? ▼
CITIZENS FINANCIAL GROUP, INC. has received CFPB complaints from consumers in 48 states, with the most complaints from Pennsylvania (69 complaints).
What can I do if CITIZENS FINANCIAL GROUP, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CITIZENS FINANCIAL GROUP, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |