Date Received: 2018-01-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: A service charge in the amount of {$20.00} was deducted from my checking account on XX/XX/XXXX. I have had a banking relationship with Citizens Bank since XX/XX/XXXX, and I have not previously been charged a similar fee. The charge appeared simply with the description of service charge and I had no idea what it was. On XX/XX/XXXX, I noticed this {$20.00} service charge and sent electronic correspondence through Citizens Banks online banking platform questioning the charge. In my correspondence, I requested that the purpose of the charge be explained. I also requested that, if the amount was charged in error, to reimburse the {$20.00} to my account. Five days went by without any response from Citizens Bank. On XX/XX/XXXX, I sent another message through Citizens Banks online banking platform asking when I could expect to receive a response. On XX/XX/XXXX, I received a response from Citizens Bank representative XXXX XXXX The representatives message was a form letter, but the message advised that by maintaining a monthly combined balance of only {$20000.00} in all your linked Citizens Bank accounts you can waive the monthly maintenance charge on your Circle Checking account. The representatives message offered no redress to my specific complaint, nor did the message provide any explanation as to why the charge was being imposed for the first time ( after many years of owning this account ). This appears to be a new interpretation by Citizens Bank. Again, I have had this account for many years and have never been charged a similar fee. I have no record of ever consenting to maintain a {$20000.00} minimum account balance. My Circle Gold Checking account was opened many years ago, and based on the fact that it is no longer referenced on the Citizens Bank website, it appears to be a legacy account type ( i.e. only " Circle Platinum '' accounts seem to be referenced now ). As such, it is clear that Citizens Bank now intends to charge me a monthly fee of {$20.00} unless I fund this account with a minimum balance of {$20000.00}. I do not consent to this, and I find the unilateral imposition of this pricing to be deceptive on the part of Citizens Bank.
Company Response:
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: The Letter below was sent to both XXXX XXXX XXXX and Citizens Bank in an attempt to secure funds in the amount of {$5000.00} back, which was provided to the city of XXXX as part of a bidding process for a city contract. A fellow towing company has already received their funds back even though we had the same situation. We can't understand why these institutions can't get us the same reconciliation. XX/XX/XXXX XXXX XXXX, Chairman of the Board Chief Executive Officer XXXX XXXX, President, Preferred and Small Business Banking XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX and XXXX XXXX : I write to resolve a financial matter, which may be small to you all in the value of the problem but, as a small business a very big one for us. On XX/XX/XXXX the owner and operator of XXXX XXXX XXXX XXXX , XXXX withdrew {$5000.00} from his XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX account and had it issued as a XXXX XXXX Treasurers Check # XXXX for Tax ID # XXXX. This Treasurers Check was then turned over to the City of XXXX as part of the bidding process for a city towing contract. For some unknown reason the city of XXXX held this check in their safe for the period of XX/XX/XXXX until XX/XX/XXXX when they returned it to XXXX XXXX XXXX XXXX , XXXX We have checked with the states of New York and Massachusetts and to no avail both states have informed us that there are no funds being held as Found Property. Therefore, this leaves us to believe that these fund that were drawn on our account are still with XXXX XXXX XXXX XXXX. We are hoping that we will not need to take any other actions other than asking you to address this matter as we have received no support at the level of those banking employees who are at the first level of your organization. Please find enclosed a copy of the Treasurers Check for your review and consideration. We would like our {$5000.00} back. Please feel free to contact me at XXXX or by call me direct at XXXX. Thank you for your assistance with this matter and I look forward to hearing from you. Respectfully, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: It is XXXX XXXX 2018 and yes my funds have gone too low. I called this girl named XXXX XXXX who said call anytime and she could help. Well guess she lied because when I called she totally blew me off saying she could only help once. Seriously, you take all the money in overdraft fees does not make up for the small amount I accidently withdrawn. Please tell me why XXXX in fees is feasable for a small accidental withdraw. I hate citizens bank. The CEOs for this company have to be swimming in money. Sad that you guys can not help someone who is trying to catch up but they keep taking all of any extra funds I put in the bank. Is there anyone who would help? I have an attorney appointment to file bankruptcy. All I ask is for a few months to catch up. I will catch up if they would stop taking all my money in overdraft fees. This is very sad that Citizens Bank is responsible helping poor people stay above water. Hope the CEOs are proud of themselves. Like XXXX will break them. Sad sad sad!!! I 'm trying and you just keep pulling me down. Any federal agencies that can help? Please help me find a solution. I am trying!!!
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2018-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On my credit report XXXX XXXX XXXX is listed as an inquiry. XX/X/16 date of occurrence. I have no recollection or have not done any business with this company. I do not recognize this inquiry. I have reached out to this company and credit bureau as well no resolution.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2018-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 1. Hard inquiry from Citizens Bank on XX/XX/XXXX, that I didn't know about. 2. Hard inquiry from XXXX/XXXXr on XX/XX/XXXX, that I didn't know about. 3. Hard inquiry from XXXX on XX/XX/XXXX, that I didn't know about. 5. Hard inquiry from XXXX on XX/XX/XXXX that I didn't know about.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-22
Issue: Dealing with your lender or servicer
Subissue: Problem with customer service
Consumer Complaint: We are co-signors for a loan my son, XXXX XXXX had. Apparently, he stopped paying his loan in XX/XX/XXXX when the collection attorney assigned by Citizen 's Bank no longer used this attorney. We acknowledge he should have called the bank and resumed paying his loan. The problem is that we, as co-signors of the loan were never advised. On XX/XX/XXXX, we noted that {$10000.00} was removed from our checking ( {$3000.00} ), savings ( {$5500.00} ) and my other son 's checking account ( {$2000.00} ) without any notice. We received a letter from the bank, dated XX/XX/XXXX but not received until XX/XX/XXXX that they were doing this. Had we known of the non-payment issue, we could have worked with my son and the bank to resume the payments and to pay towards the outstanding. When we called the bank, they said they were within their rights to do this. I disagree as the XX/XX/XXXX bank form they sent ( we have been members of the bank since XX/XX/XXXX ) showed they could apply setoffs, but they never advised us there was a dispute. This is creating a hardship to be able to pay bills and replenish my other son 's account ( which was his savings to begin paying his loan once he graduates from college ) from my retirement savings.
Company Response:
State: NH
Zip: 033XX
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a letter from Citizens Bank dated XX/XX/XXXX on XX/XX/XXXX, attempting to collect a negative balance of {$260.00} in my checking account XXXX. This amount is entirely made up of bank fees and overdraft charges created by a creditor debiting my account without permission or authorization. I have notified the bank by phone and mail about these circumstances, but have not received a positive response. I respectfully request that Citizens stop their collection process. I have been a customer of Citizens for 20+ years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA., XXXX XXXX XXXXXXXXXXXX
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2018-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a mortgage that was being paid by myself and Spouse. He XXXX in XX/XX/XXXX. I continuing to pay mortgage and after refinancing loan ( XX/XX/XXXX ) to fix immediate problems, it increased my loan by XXXX a month. In XX/XX/XXXX, I lost full time job. I went back to bank to return monies and wanted to do a loan modification, they would not! I predicted then, my credit would be ruined and I could lose my house ... In XX/XX/XXXX, I begged them for another loan modification and did not qualify, despite my XXXX? I had told them that from the beginning and ended up losing a total of three full time jobs because employers would illegally found out about my open Workers Comp claim. Because my injuries are considered a catastrophic condition, a Judge ruled my medicals could never be settled. I have been fighting this case since XX/XX/XXXX and continue to do so today ... In XX/XX/XXXX, I again between my mortgage, private insurance and meds WC would not pay for, my expenses exceeded XXXX a month. So in XX/XX/XXXX, I again begged for the bank to help me, after awhile they indicated the XXXX XXXX. had a HARP program and I filled out paperwork, with many problems. Some of the documents were faxed 2, 3, 4 times, that I had to start a 2nd loan modification in XX/XX/XXXX. The bank continued all along in taking my house and a Sheriff Sale was in effect for XX/XX/XXXX. The bank would not wait up for their other department to process the loan modification, I begged and pleaded. The lawyer I hired was no help, while he was on vacation, I contacted the lawyer in XXXX and took money out of my settlement/medical account. to pay mortgage and showed good will. I told attorney that I had wrote letters and had filed XXXX XXXX Complaints. The 1st complaint was filed XX/XX/XXXX and I still have not received a response from this complaint. On XX/XX/XXXX, I decided to spend extra time at my fiances house for XX/XX/XXXX. I came home XX/XX/XXXX to find my house burglarized and a note on the door that my house was " vacant '' I reported this to the XXXX XXXX # and my police. The XXXX XXXX XXXX told me that a XXXX XXXX was in my house, the police gave me another name, XXXX XXXX XXXX. A women returned my call from the XXXX XXXX XXXX and I told her about the missing items, he was all through my house, etc. When I called her again, with the police report, she never has returned my call, but forwarded it to the Chairman of the Board Office, of CITIZENS BANK, my lender! I talked to XXXX and was glad to talk to her and explained problems from the beginning of the loan, and if customer service department and foreclosure dept exchanged information, I would not be in this situation! I tried myself to negotiate what fear I had, let alone the missing, broken items in my house! They have not backed down ... There is sooo much more that has happened, can you please help me?
Company Response:
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2018-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX and XXXX XXXX, XXXX. XXXX, XXXX XXXX & XXXX XXXX XXXX, Chairman, President & CEO RBS Citizens Financial Group XXXX XXXX XXXX XXXX, Rhode Island XXXX ( XXXX ) XXXX XXXX The Honorable XXXX XXXX XX/XX/XXXX email to https//complaint.consumerfinance.gov/XXXX CEO XXXX XXXX XXXX, XX/XX/XXXX email to XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX, I present to you my 16th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 16th Citizens Bank Complaint is addressed in a statement. Please discover I am truly deeply grateful to you for your important priceless attention. I deeply look forward to discovering your Complaints determinations. If you may have any questions I can answer for you during your deliberations, please dont hesitate to call me at ( XXXX ) XXXXXXXX XXXX or email me XXXX. XXXX XXXX XX/XX/XXXX 16th Complaint Citizen Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff Has Acted Without Merit & Unreasonably When They Acted CHARGING XXXX XXXX AND XXXX XXXX XXXX A LATE FEE FOR HAVING {$1200.00} AVAILABLE FINDS TO PAY THE XX/XX/XXXX {$1200.00} AUTOPAY ON XX/XX/XXXX, WITHIN THE 15 DAY GRACE PERIOD CITIZENS BANK GIVES CUSTOMERS TO MAKE THEIR LOAN PAYMENT WITHOUT ANY PENALTY OF ANY KIND INCLUDING NO LATE FEES, PER XXXX XX/XX/XXXX CALL WITH HOME EQUITY LOAN REPRESENTATIVE XXXX, REFERENCE # XXXX. Moreover, XXXX XXXX XX/XX/XXXX addition to her XX/XX/XXXX addition to her XX/XX/XXXX Addition To XX/XX/XXXX 3rd Complaint CitizenXXXX Bank Home Equity Loan Department Has Acted Charging Me Expenses Without Merit & Not Properly Declaring All New Charges & Did Not Calculate Charges Correctly Against Autopays Prompted By XXXX XXXX & Is Charging Me Additional Principal That XXXX Has Never Submitted A New Home Equity Loan Application For Nor Has Citizens Bank XXXX XXXX A New Home Equity Loan. IMPORTANT POINT : THE HONORABLE XXXX XXXX XXXX XXXX HAS NOT DETERMINED XXXX XXXX AND XXXX XXXX XXXX ARE RESPONSIBLE TO PAY THE LATE CHARGES CITIZENS BANK HAS BILLED XXXX XXXX AND XXXX XXXX XXXX FOR & AT BILLING ADDITIONAL PRINCIPAL LOAN SUMS WHEN XXXX XXXX & XXXX XXXX XXXX HAVE NOT APPLIED FOR A NEW HOME EQUITY LOAN AFTER BEING GRANTED ONE BY CITIZENS BANK IN XX/XX/XXXX!!!!!!!! XXXX XXXX freely believes the Citizens Bank Consumer Finance Vice President & Operations Manager XXXX XXXX with support by Citizens Bank Consumer Finance staff of the Home Equity Loan Department have acted without merit & unreasonably when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX charging a Late Charge Assessed of {$36.00} on XX/XX/XXXX and a Past Due Payment of {$330.00} on the Citizens Bank Home Equity Loan XXXX Statement dated XX/XX/XXXX. Please find documentation for XXXX XXXX XX/XX/XXXX 16th Complaint : XX/XX/XXXX XX/XX/XXXX Home Equity Loan Statement Date Statement : Amount Due {$7600.00} [ {$1200.00} + {$330.00} + XXXX ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$290.00} + Interest {$920.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$330.00} + Past Due Payment {$6100.00} = Total Amount Due XXXX Amount Past Due {$6100.00} + Late Charges Due {$330.00} = Total Amount Due XXXX XX/XX/XXXX Statement Sent to XXXX XXXX and XXXX XXXX. XXXX. ACCOUNT NUMBER ENDING WITH XXXX AMOUNT PAST DUE {$6100.00} OTHER FEES DUE XXXX LATE CHARGES DUE {$360.00} TOTAL AMOUNT PAST DUE {$6500.00} IMPORTANT NOTES FOR YOUR PRICELESS REVIEW : XXXX XXXX BELIEVES CITIZENS BANK OFFICIALS HAVE ADDED ADDITIONAL PRINCIPAL SUMS XXXX XXXX & XXXX XXXX XXXX HAVE NEVER FILED A HOME LOAN OF ANY TYPE FOR NOR HAVE XXXX XXXX & XXXX XXXX XXXX EVER GOTTEN ADDITIONAL PRINCIPAL SUMS FOLLOWING THEIR XXXX, XXXX HOME EQUITY LOAN & XXXX, XXXX HOME EQUITY LINE OF CREDIT. MOREOVER, XXXX XXXX HAS WITNESSED WRITTEN CITIZENS BANK HOME EQUITY LOAN XXXX MONTHLY STATEMENTS & LETTERS STATING AMOUNT PAST DUE & LATE CHARGES DUE & TOTAL AMOUNT PAST DUE WITH FULL {$1200.00} MONTHLY AUTOPAY SUMS, CALCULATED BY ADDING A PRINCIPAL PAYMENT & INTEREST PAYMENT FOR THAT MONTH, ADDED INTO PAST DUE PAYMENTS AMOUNTS DOCUMENTING CITIZENS BANK OFFICIALS ARE ADDING MONTHS PRINCIPAL PAYMENTS CHARGING ADDITIONAL PRINCIPAL SUMS XXXX XXXX & XXXX XXXX XXXX HAVE NEVER FILED FOR NOR GOTTEN FROM CITIZENS BANK INTO THE CITIZENS BANK WRITTEN OWED PAST DUE AMOUNTS. FINAL IMPORTANT POINT : CITIZENS BANK OFFICIALS DID NOT CALCULATE MONTHS INTEREST CHARGES ALONE & ADDED THE MONTHS PRINCIPAL AMOUNT FOR THE THREE XX/XX/XXXX MONTHS XXXX XXXX DID NOT HAVE AVAILABLE FUNDS FOR PERSONS FREELY AGREEING TO BUY XXXX ORIGINAL ANTIQUE FURNITURE ITEM TWO DAYS BEFORE THE END OF THE MONTH SUDDENLY STATED THEY DECIDED TO NOT BUY XXXX ORIGINAL FURNITURE & THE ONE XX/XX/XXXX MONTH XXXX XXXX COULD NOT PAY FOR CITIZENS BANK VIOLATED XXXX INSTRUCTIONS, COMPLAINT XXXX & THE MONTHS AT THE END OF XX/XX/XXXX WHEN CITIZENS BANK OFFICIALS DID NOT WITHDRAW XXXX AVAILABLE {$1200.00} WITHIN FIFTEEN DAY ALLOWED GRACE PERIOD : XXXX XXXX XX/XX/XXXX 8th Complaint Citizen Bank Consumer Finance With Home Equity Loan Department Has Acted Without Merit & Unreasonably Taking {$1200.00} Loan Payment On XX/XX/XXXX When For Twenty Minutes XXXX XXXX Stated To Citizens Home Equity Loan Agent XXXX XXXX Was Authorizing A Loan Payment of {$290.00} Principal + {$220.00} Interest = {$520.00} NOT {$1200.00} For XXXX XXXX Had Paid A {$1100.00} Property Tax Bill On XX/XX/XXXX, A Condition Of The Home Equity Loan. For This Citizens Bank Consumer Finance With Home Equity Loan Department Act Violating XXXX XXXX Detailed XX/XX/XXXX Payment Statement, XXXX XXXX Believes This Citizens Bank Department Violated Laws Of Federal Banking Regulations. XXXX XXXX Offers This Bottom-line : XXXX XXXX Freely Believes Citizens Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff Of The Citizens Bank Home Equity Loan Department Have Freely violated Federal Banking Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank Consumer Finance Officials Of The Citizens Bank Home Equity Loan Department To Have Acted Without Merit & Unreasonably For All Of The Above Documented Issues. FINALLY, XXXX XXXX WANTS ALL CITIZENS BANK CONSUMER FINANCE OF THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT STAFF, MOST ESPECIALLY CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX TO HONOR & ACKNOWLEDGE THE HONORABLE XXXX XXXX XXXX XXXX ACT SHE HAS NOT DETERMINED XXXX XXXX & XXXX XXXX XXXX ARE RESPONSIBLE FOR ALL OF THE CITITZENS BANK BILLED LATE CHARGES FOR ACCOUNT XXXX BY REMOVING EVERY PENNY OF CITIZENS BANK LATE CHARGES ASSESSED TO ACCOUNT XXXX. AND XXXX XXXX WANTS ALL CITIZENS BANK COMSUMER FINANCE OF THE CITIZENS BANK HOME EQUITY LOAN DEPARTMENT STAFF, MOST EXPECIALLY CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX TO CORRECTLY CALCULATE PAST DUE AMOUNTS WITHOUT ONE RED CENT OF MONTHS PRINCIPAL SUMS XXXX XXXX & XXXX XXXX XXXX HAVE NEVER SUBMITTED A LOAN APPLICATION FOR NOR HAVE GOTTEN FROM CITIZENS BANK. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 16th Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX XXXX XXXX XXXX, XXXX. Washington, D.C. XXXX & XXXX XXXX XXXX, Chairman, President & CEO RBS Citizens Financial Group XXXX XXXX XXXX XXXX, Rhode Island XXXX ( XXXX ) XXXX XXXX The Honorable XXXX XXXX XX/XX/XXXX email to https//complaint.consumerfinance.gov/submit-a-complaint CEO XXXX XXXX XXXX, XX/XX/XXXX email to XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX, I present to you my 15th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 15th Citizens Bank Complaint is addressed in a statement. Please discover I am truly deeply grateful to you for your important priceless attention. I deeply look forward to discovering your Complaints determinations. If you may have any questions I can answer for you during your deliberations, please dont hesitate to call me at ( XXXX ) XXXX XXXX or email me XXXX. XXXX XXXX XX/XX/XXXX 15th Complaint Citizen Bank Consumer Finance With Home Equity Loan Department Has Acted Without Merit & Unreasonably When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX & Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX Instructing Home Equity Loan Department Agents XXXX XXXX Must Talk With Consumer Finance When Consumer Finance HAS IN XX/XX/XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX. XXXX XXXX freely believes the Citizens Bank Consumer Finance With Home Equity Loan Department has acted without merit & unreasonably when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent XXXX & XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent XXXX for XXXX home equity loan account XXXX XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX & a XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX within the 15 day payment grace period given & instructing Home Equity Loan Department Agents XXXX XXXX must talk with Consumer Finance when in XXXX every time XXXX has tried to speak with Consumer Finance they have hung up the phone with her. XXXX XXXX supporting documentation the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX & the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX, both Citizens Bank recorded calls with truthful notes taken by XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Calls To XXXX XXXX XXXX With Documentation Of XXXX XX/XX/XXXX Call To XXXX & XX/XX/XXXX Call To XXXX at Citizens Equity Loan Department XXXX calls ( XXXX ) XXXX XXXX. XX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX to Read XXXX & XXXX & with these Reference # s add XXXX XX/XX/XXXX note with a XX/XX/XXXX Reference #. XXXX petitions XXXX to find XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX and to add a new XX/XX/XXXX Reference # to XXXX important statement Given Reference # XXXX XXXX & Reference # XXXX XXXX payments, XXXX will have the XX/XX/XXXX {$1200.00} Home Equity Loan account XXXX autopay on XX/XX/XXXX with available funds of Social Security funds she gets & this is within the 15 day grace period for autopay payments thus XXXX would not be charge a penalty. XXXX finds Reference # s XXXX & XXXX & reads them. XXXX then states looking at issues you have with XXXX. XXXX continues stating accounts of the home equity loan & line of credit have issues & assets recovery is now who I should be speaking with. XXXX then importantly notes : she has filed 14 Complaints with the Honorable XXXX XXXX XXXX, with five recent complaints including XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX were not honored by Citizens Bank Home Equity Loan Department. XXXX then states he has to check bank policies & procedures & starts doing that, in reference to XXXX petition of a XX/XX/XXXX note Reference #. XXXX then importantly notes to XXXX the following : 1 ) CEO XXXX XXXX XXXX has all of XXXX Complaints thus XXXX XXXX has XXXX Complaints, 2 ) XX/XX/XXXX & XX/XX/XXXX Reference # XXXX XXXX & XXXX were allowed per bank policies & procedures XXXX believes & 3 ) XXXX petitions XXXX to have all Citizens Bank involved parties to read the new XX/XX/XXXX Reference # XXXX has petitioned XXXX for. XXXX considers the referenced documentation & XXXX statements to him, & then states OK to XXXX petition of a XX/XX/XXXX Reference # attached to her two Reference # s XXXX & XXXX. XXXX then importantly offers to XXXX what they have agreed to : You said you would please note Reference # s XXXX & XXXX I will have {$1200.00} available funds for the XX/XX/XXXX autopay Then suddenly XXXX states to XXXX XXXX XXXX I will be back in 2 3 minutes & he puts XXXX on holdXXXX counts the minutes & at eight minutes of waiting for XXXX to return & complete what he stated to XXXX to do, XXXX hangs up the phone. Important Point : XXXX freely believes what XXXX did to XXXX was unreasonable & not merited. At XXXX XXXX XXXX speaks with XXXX & importantly notes to XXXX she believes her call with XXXX was unreasonable & XXXX wishes to have XXXX important work on her behalf. XXXX petitions XXXX to find the XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX and to add a new XX/XX/XXXX Reference # to XXXX important statement Given Reference # XXXX XXXX & Reference # XXXX XXXX payments, XXXX will have the XX/XX/XXXX {$1200.00} Home Equity Loan account XXXX autopay on XX/XX/XXXX with available funds of Social Security funds she gets & this is within the 15 day grace period for autopay payments thus XXXX would not be charge a penalty. XXXX finds my XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX & states to XXXX he is noting the two Reference # s & will put me on a 2 minute hold. In less than 2 minutes XXXX comes back on the phone & states to XXXX the XX/XX/XXXX Reference # is XXXX. XXXX then confirmed what XXXX noted on Reference # XXXX, XXXX states to XXXX Reference # XXXX states : XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX have the XX/XX/XXXX Reference # XXXX with XXXX important statement Given Reference # XXXX XXXX & Reference # XXXX XXXX payments, XXXX will have the XX/XX/XXXX {$1200.00} Home Equity Loan account XXXX autopay on XX/XX/XXXX with available funds of Social Security funds she gets & this is within the 15 day grace period for autopay payments thus XXXX would not be charge a penalty. XXXX reply Yes & XXXX states to XXXX thank you very much. XX/XX/XXXX At noon XXXX speaks with XXXX & importantly requests XXXX please note XXXX Home Equity Loan account XXXX with : I paid the Town of XXXX property tax bill, a condition of my Home Equity Loan, on XX/XX/XXXX, check XXXX in the amount of {$1100.00}. For paying this property tax bill I therefore do not have available funds today, XX/XX/XXXX, to pay the {$1200.00} autopay for my Home Equity Loan. Important note : in less than the 15 day Citizens Bank grace period, on XX/XX/XXXX, I will have available funds to pay the XX/XX/XXXX {$1200.00} autopay. I petitioning the Citizens Bank Equity Loan Department to take the XX/XX/XXXX {$1200.00} autopay for my Home Equity Loan account XXXX on XX/XX/XXXX, less than the 15 grace period days given for loan payments, and to not charge me any penalty or late fee. XXXX states to XXXX : My account has been removed & marked secure so he has no access to it. XXXX states XXXX needs to speak with Citizens Loan Customer Finance & XXXX notes they have hung up the phone on her & their actions caused her to file eight Complaints to the Federal Reserve. Following learning from XXXX Citizens customer service specialists on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX were able to note XXXX account, XXXX tries to do so again offering think I can access account ending XXXX. XXXX takes sufficient time to write XXXX detailed XX/XX/XXXX note above on XXXX account ending with XXXX. When XXXX was finished he gave XXXX Reference # XXXX for XXXX above XX/XX/XXXX Home Equity Loan account XXXX note. XXXX states thank you to XXXX & offers him a Happy XXXX. XX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX for her to take the opportunity to make a Reference # for XXXX important statements to XXXX. XXXX states to XXXX she was just stunned when she discovered Citizens Bank did not take the {$1200.00} XX/XX/XXXX autopay per the XX/XX/XXXX Reference # XXXX recorded by Customer Service Specialist XXXX who XXXX spoke regarding XXXX Home Equity Loan account XXXX on XX/XX/XXXX. XXXX states to XXXX she found Reference # XXXX & would thoroughly read it. Following XXXX reading of said Reference # XXXX politely stated to XXXX she wanted XXXX to please note her Home Equity Loan account XXXX with these important notes & when XXXX had completed writing said important XX/XX/XXXX notes, would XXXX please give XXXX a Reference # for said XX/XX/XXXX. XXXX stated to XXXX she would write XXXX important notes & give XXXX a XX/XX/XXXX Reference #. XXXX Important notes : 1 ) XXXX was stunned when she discovered early the morning of XX/XX/XXXX Citizens Bank had chosen to act to not withdraw the XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX per XXXX recorded XX/XX/XXXX important notes recorded by XXXX, Reference # XXXX. XXXX believes Citizens Bank Loan Customer Finance officials knew of the XX/XX/XXXX Reference # XXXX & chose not to act to withdraw the XX/XX/XXXX {$1200.00} autopay even though said officials had established a precedent to take the {$1200.00} autopays per XXXX calls with recorded notes over the last months ; 2 ) XXXX believes said unreasonable act by the Citizens Bank Loan Customer Finance is a violation of Federal Reserve banking regulations which XXXX will write another Complaint to the Honorable XXXX XXXX XXXX about ; 3 ) XXXX importantly notes for unreasonable actions by Citizens Bank Loan Customer Finance earlier, XXXX wrote eight Complaints to the Federal Reserve ; thus, the Citizens Bank Loan Customer Finance has not changed their actions on XXXX Home Equity Loan account # XXXX ; 4 ) XXXX will not pay any penalty or any fee for the XX/XX/XXXX {$1200.00} autopay to be withdrawn for the established president by Citizens Bank Loan Customer Finance ; and 5 ) as a curtesy call today XX/XX/XXXX, XXXX is calling for a second time to have Citizens Bank withdraw the XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX for it was not withdrawn on XX/XX/XXXX even though Citizens Bank Loan Customer Service knew by Reference # XXXX XXXX the funds were available on XX/XX/XXXX, well within the 15 day payment grace period given by Citizens Bank Loan Customer Finance. XXXX states to XXXX she can not withdraw the {$1200.00} autopay, only Citizens Bank Loan Customer Finance handles the autopays, & XXXX states there may be a fee which only officials of the Customer Finance would handle. And XXXX would find a senior Customer Finance staff to take XXXX transferred call. XXXX importantly states to XXXX multiple times when XXXX has tried to speak with Customer Finance, Customer Finance hangs up the phone on XXXX by either closing the transferring call or hanging up the phone with XXXX when she is speaking with a Customer Finance staff. XXXX further importantly notes to XXXX XXXX does not know who within the Citizens Bank Home Equity Loan Department handles autopays & all of her earlier months Home Equity Loan account XXXX notes have been acted upon by the Citizens Bank Home Equity Loan Department. XXXX writes up XXXX important XX/XX/XXXX notes. When she is done XXXX gives XXXX a XX/XX/XXXX Reference # XXXX. XXXX asks XXXX to read to her what the Reference # XXXX states, to make sure XXXX wrote all of XXXX important notes. XXXX reads XX/XX/XXXX Reference # XXXX & everything is correct except one note in which XXXX had written XXXX will not call & talk with Customer Finance. XXXX then importantly notes multiple times for XXXX for Consumer Finance hangs up the phone with XXXX, XXXX can not talk with them.it is not a case of XXXX not willing to talk with Consumer Finance as XXXX had written. XXXX writes the above correction & then states to XXXX all of XXXX important XX/XX/XXXX Home Equity Loan account XXXX notes are written & recorded by Reference # XXXX. XXXX requests of XXXX that she please make sure all Customer Service staff see & read XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX. XXXX thanks XXXX for her work. XXXX XXXX XXXX XX/XX/XXXX Call To XXXX With Documentation Of XXXX XX/XX/XXXX Call To XXXX & XX/XX/XXXX Call To XXXX XXXX XX/XX/XXXX Call To XXXX at Citizens Home Equity Loan Department XXXX call ( XXXX ) XXXX XXXX, Citizens Home Equity Loan Department. XX/XX/XXXX At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX to Read XXXX & XXXX & XXXX & with these Reference # s add XXXX XX/XX/XXXX note with a XX/XX/XXXX Reference #. XXXX requests of XXXX to please find & read three Reference # s of XXXX calls : 1 ) XX/XX/XXXX call with XXXX, XXXX, 2 ) XX/XX/XXXX call with XXXX, XXXX & 3 ) XX/XX/XXXX call with XXXX, XXXX. Furthermore, after reading the given important reference # s, XXXX petitions XXXX to write XXXX XX/XX/XXXX statements involving her home equity loan XXXX autopayments with an assigned XX/XX/XXXX Reference #. XXXX finds & reads the three Reference # s XXXX offered. XXXX requests of XXXX if she is ready to write XXXX XX/XX/XXXX statement with a XX/XX/XXXX assigned Reference #. XXXX answer is yes. XXXX XX/XX/XXXX statement : 1 ) XXXX importantly stated I would have Social Security available funds on XX/XX/XXXX for my home equity loan XXXX XX/XX/XXXX {$1200.00} autopay in the Citizens Home Equity Loan Departments allowed 15 days to make an autopay with no penalty & no late fee & no charge of any kind. XXXX does not know why the Citizens Bank Home Equity Loan Department acted to not collect XXXX XX/XX/XXXX {$1200.00} autopay on XX/XX/XXXX & even as of today, XX/XX/XXXX, said department has still not withdrawn XXXX XX/XX/XXXX available XX/XX/XXXX {$1200.00} autopay, & 2 ) and for reserving XXXX XX/XX/XXXX Social Security funds for her Home Equity Loan XXXX XX/XX/XXXX autopay, XXXX will have Social Security available funds on XX/XX/XXXX for said loans XX/XX/XXXX {$1200.00} autopay with no penalty & no late fee & no charge of any kind for this XX/XX/XXXX available funds autopay is in the Citizens Bank Home Equity Loan Department allowed 15 days to make an autopay. XXXX then importantly notes to XXXX to please make sure the Citizens Bank Home Equity Loan Department actually takes XXXX available funds for her autopays for XXXX knows of no explanation why the Citizens Bank Home Equity Loan Department has not withdrawn XXXX available funds for her loans {$1200.00} autopays. XXXX notes to XXXX the Citizens Bank Home Equity Loan Department Consumer Finance staff are who XXXX needs to speak with. XXXX reply is the Consumer Finance staff in XX/XX/XXXX have always hung up the phone on XXXX not allowing XXXX to speak with them. Further, XXXX notes to XXXX Consumer Finance hung up calls with XXXX : 1 ) when XXXX was transferred to Consumer Finance by a Citizens Bank Home Equity Loan Customer Service Specialist, Consumer Finance just hung up the line when XXXX was waiting on the line & 2 ) XXXX was having a reasonable conversation with a Consumer Finance Specialist, just like she was having with XXXX, & then suddenly the Consumer Finance Specialist just hung up the phone with XXXX. XXXX reply to XXXX XX/XX/XXXX Consumer Finance experiences : Do our best to read notes & get you set. XXXX gave XXXX her XX/XX/XXXX important Home Equity Loan XXXX statements XX/XX/XXXX Reference # XXXX. XXXX thanked XXXX very much. Later on XX/XX/XXXX when XXXX checked the status of her available XX/XX/XXXX {$1200.00} autopay, XXXX learned from the ( XXXX ) XXXX XXXX Citizens Bank staff her XX/XX/XXXX {$1200.00} autopay was collected by the Citizens Bank Home Equity Loan Department on XX/XX/XXXX. XXXX XXXX Offers This Bottom-line : XXXX XXXX Freely Believes Citizens Bank Has Violated Federal Banking Regulations For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank Consumer Finance With Home Equity Loan Department To Have Acted Without Merit & Unreasonably When They Did Not Act On XXXX XXXX XX/XX/XXXX Reference # XXXX & XX/XX/XXXX Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX & Importantly Giving Authorization For A XX/XX/XXXX {$1200.00} Autopay On XX/XX/XXXX For My Home Equity Loan Account XXXX Instructing Home Equity Loan Department Agents XXXX XXXX Must Talk With Consumer Finance When Consumer Finance HAS IN XX/XX/XXXX ALWAYS HUNG UP THE PHONE WITH XXXX XXXX. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 15th Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A