This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 697 complaints

Citizens Financial Group, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 49 states, reputation grade C.

Complaints by issue type

What consumers report about Citizens Financial Group, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.2/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Citizens Financial Group, Inc. ranks ahead of 40% of the 5,283 collectors PlainCollector grades - 60% keep a cleaner CFPB record, on 697 all-time complaints and a 100% timely-response rate.

40th pct
reputation rank of 5,283 graded collectors
697
CFPB complaints, all-time
100%
answered inside the CFPB window
159
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Citizens Financial Group, Inc.?

Citizens Financial Group, Inc. has accumulated 697 total CFPB complaints across 49 states, with 159 filed in the most recent 12 months against 538 historical complaints before that window. The trailing-12-month volume represents 22.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 49 states, led by Pennsylvania with 71 and New York with 63. Normalized against the full CFPB collector database, the reputation score of 59.2/100 places Citizens Financial Group, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

697

mid-volume (CCDB)

Last 12 months

159

22.8% of all-time complaints

Stable →

States active

49

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

C

59.2/100 composite

How does Citizens Financial Group, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 40th percentile higher than 40% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Citizens Financial Group, Inc. versus the debt-collection vertical average.

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) 8.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 87.5%

Share of US states + territories with at least one filed complaint against this collector.

How does Citizens Financial Group, Inc. compare to its peers?

How does CITIZENS FINANCIAL GROUP, INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
CITIZENS FINANCIAL GRO… National average
Complaints (last 12 mo)lower is better
159
151
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
9%
12%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 282
Took or threatened to take negative or legal action - 118
Written notification about debt - 98
Communication tactics - 68
False statements or representation - 66
Cont'd attempts collect debt not owed - 29
Disclosure verification of debt - 18
Threatened to contact someone or share information improperly - 7
Electronic communications - 4
Taking/threatening an illegal action - 4

Where do complaints against Citizens Financial Group, Inc. come from?

Citizens Financial Group, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Citizens Financial Group, Inc.

Across 49 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Citizens Financial Group, Inc. contacts you

A grade of C signals how Citizens Financial Group, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Citizens Financial Group, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Citizens Financial Group, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 697 complaints filed with the CFPB.

Are complaints against Citizens Financial Group, Inc. increasing or decreasing? ▼

Complaints against Citizens Financial Group, Inc. have been stable. The company received 159 complaints in the last 12 months.

What is Citizens Financial Group, Inc.'s reputation grade? ▼

Citizens Financial Group, Inc. has a reputation grade of C (score: 59.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 49 states, with the most complaints from Pennsylvania (71 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.