Date Received: 2017-11-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CCO Mortgage is purchasing flood insurance significantly beyond that required by the document we signed when we got the loan and charging our escrow account for it. I tried talking to customer service, the CCO legal department and submitting a CFPB complaint but they have not acknowledged the referenced legal document we signed at closing. My original complaint was that CCO is purchasing additional insurance beyond what we agreed but CCO did not address or acknowledge the agreement much less indicate why they believe the legal agreement no longer applies. Therefore I am submitting this complaint hoping that they will actually address the agreement that they are and have been ignoring.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). Thank you for your attention in resolving this ongoing matter. XXXX XXXX
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Im having a severe issue with Citizens Bank. I made a deposit before XXXX and they didnt post it correctly which has resulted in them chargeing me {$170.00} in fees which my account is {$170.00} negative. So for being {$7.00} overdrawn they charged me {$170.00} in fees which is outrageous. They do all their posting at XXXX/XXXX so i have no idea my account has gone negative until the next day and have no chance to make it positive before being hit with fees. They pick and choose which transaction order they want to post to get the most for fees.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX XXXX 2017, I logged into my bank account to see about {$500.00} missing for transactions I did not make. I called Citizen 's to find out that someone had stolen my debit card information to purchase theme park tickets, movie tickets and more. They finally agreed to refund my money for these transactions, which took about a week, remind you, i did n't make these transactions, so why it took a week to get my own moeny back amazes me. Fast forward this SATURDAY in XX/XX/XXXX, I get a letter stating that citizen 's bank has decided one of the transactions in XX/XX/XXXX was VALID, and that they will deduct {$200.00} my account to pay back the vendor which is a theme park in Texas called XXXX XXXX XXXX. I live in CT. I 've never been to Texas. the documentation shows my name & agree, but an incorrect email address and the THIEVES names on all of the tickets! NOT MY NAME! I call up Citizen 's to be told, " well we sent you a letter and you never responded, so we can not help you. ". I kindly told them I did not receive ANY letter until this one, and this is NOT my transaction nor will pay for someone who committed an illegal act. XXXX XXXX from the eletronic banking department has told me 3 times now, including raising his voice at me, that THEY WILL NOT HELP MEm AND THIS TRANSACTION IS VALID! So again, let 's recap. I live in Ct, I 've never been to Texas nor do i know anyone in Texas. I 'm also XXXX. They 're telling me that this transaction is compltely valid and that i have to pay for these criminals to go to a theme park now. I asked how they protected me, as their client, in this situation.. " well the theme park has rights too. '' Fabulous, thank you so much Citizen 's Bank for once again screaming over your customer.
Company Response:
State: CT
Zip: 06340
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX,2017 I mobile deposited a check from my former employer XXXX XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I was debited this same amount from my account with Citizens telling me that the check was cashed again. I went to the nearest branch to sort it out. They told me that it was cashed through a XXXX account. I was unaware of this transaction and realized that this check was stolen either from my car or my bag. I went to XXXX to let them know that my account was used in a fraudulent manner by one of their clients XXXX XXXX XXXX with the telephone number of XXXX XXXX XXXX as he used on the back of the check that was stolen when he deposited it to his account. This was done with XXXX XXXX Branch Manager of the XXXX XXXX branch of XXXX XXXX XXXX XXXX XXXX MA XXXX his number is XXXX XXXX XXXX. At first it seemed as if this would be taken care of but than I was contacted by XXXX XXXX from the office of the chairman at Citizens Bank. She informed me that I violated the terms of Mobile deposit by not voiding check and disposing of it properly. Obviously I had n't the opportunity to dispose of it properly as it was stolen from my property. I submitted another claim on XX/XX/XXXX and the money was returned to my account for a day and than debited out again as XXXX XXXX from the office of the Chairman launched a new investigation. We spoke on the phone on many different occasions culminating in a phone call on XX/XX/XXXX saying that I was liable as the agreement stated the proper disposal technique after mobile deposit. I followed up with XXXX at the branch where the check was deposited with CSR XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel. XXXX XXXX XXXX he stated that the account funds from the deposited were withheld and that XXXX fraud department XXXX XXXX XXXX XXXX has been waiting for Citizens to contact them to straighten everything out and refund my money to my account. During all this Citizens has made me seek affidavits from my former employer XXXX XXXX XXXX XXXX XXXX which he has been waiting for Citizens to send .Fill out a police report which I have done, Yet they still maintain my culpability in a case where I was the victim of theft. I find this truly unacceptable and hope you can expedite a solution that returns my funds back to my account.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I 'm having issues with multiple overdraft fees. Especially at the end of the month. I am trying so hard to get it all figured out but this month I made multiple mistakes. I really think these fees should be per day and should not be more than the transaction. Come payday I 'll will cry as so much is taken from me especially little petty withdarawals that I wonder how they even got approved. It is so sad that these big ceos get filthy rich on the little guys mistakes or minor lack of funds. Can you please help stop this continuous issue every month. I can not keep up if they keep taking XXXX or more dollars I can feed my kids with. I am on XXXX and my husband is working as much as possible. I made the mistake this month but all I 'm asking for is a little forgiveness to try to overcome this.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2017-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX submitted https//complaint.consumerfinance.gov/XXXX ID For 14th Complaint Sent To Citizens Bank XXXX The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX XXXX 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.govXX/XX/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 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/XXXXDear The Honorable XXXX XXXX & CEO XXXX XXXX, I present to you my 14th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 14th 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 14th Complaint For The Merit Of XXXX XXXX XX/XX/XXXX 9th Complaint CFPB # XXXX & XX/XX/XXXX 10th Complaint CFPB # XXXX & XX/XX/XXXX 11th Complaint CFPB # XXXX & XX/XX/XXXX 12th Complaint CFPB # XXXX, XXXX XXXX Freely Believes Citizen Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff HAVE ESTABLISHED A PATTERN OF ACTIONS Without Merit & Unreasonably Showing Bias With Discrimination To XXXX XXXX XXXX XXXX XXXX. XXXX & Acts Of Theft For Their XXXX XXXX XXXX Property & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, And XXXX XXXX, Patriot Forever Declaring Independence, XXXX XXXX XXXX XXXX & XXXX XXXX Pending Lawsuits Valued For Many XXXX XXXX XXXX XXXX Dollars & Her Inheritance. 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 show bias with discrimination to XXXX XXXX & XXXX XXXX. XXXX & acts of theft for their XXXX XXXX XXXX property XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, And XXXX XXXX, Patriot Forever Declaring Independence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX pending lawsuits valued for many XXXX XXXX XXXX XXXX XXXX & her inheritance. Please find documentation for XXXX XXXX XX/XX/XXXX 9th Complaint CFPB # XXXX & XX/XX/XXXX 10th Complaint CFPB Complaint # XXXX & XX/XX/XXXX 11th Complaint CFPB # XXXX & XX/XX/XXXX 12th Complaint CFPB # XXXX : XXXX XXXX XXXX XXXX Addition, XXXX Complaint CFPB Complaint # XXXX, To XX/XX/XXXX XXXXrd Complaint Citizens 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. XX/XX/XXXX XXXX XXXX addition to her above XX/XX/XXXX & XX/XX/XXXXXXXX statement : XXXX XXXX freely believes the Citizens Bank Home Equity Loan Department has acted charging me expenses without merit of adding a full {$1200.00} monthly payment amount of both principal & interest sums to their past due payment calculations for XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX & XX/XX/XXXX Home Equity Loan Statements Total Amount Due sums, & have not properly declared all new charges documented in the XX/XX/XXXX bill XXXX XXXX & XXXX XXXX got from Citizens Bank, & in all the declared bills gotten from Citizens Bank the Amount Past Due & Total Amount Past Due adds a full {$1200.00} monthly payment amount of both principal & interest sums. Important Note : neither XXXX XXXX nor XXXX XXXX have gotten additional Home Equity Loan funds from Citizens Bank following their most recent loan of XX/XX/XXXX. {$64.00} question : why is the Citizens Bank Home Equity Loan Department adding additional principal funds starting in XX/XX/XXXX & continuing through XX/XX/XXXX in all of their Home Equity Loan Statements calculations of Past Due Payments & Total Amount Due & Estimated Payoff Amount figures when neither XXXX XXXX nor XXXX XXXX have gotten additional principal funds from Citizens Bank following the XX/XX/XXXX Home Equity Loan? XXXX XXXX XX/XX/XXXX 10th Complaint CFPB Complaint # XXXX 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 & Said Unreasonable Citizens Bank Consumer Finance XX/XX/XXXX Action XXXX XXXX Did Not Have Available {$1200.00} Funds For The XX/XX/XXXX Autopay & The Citizens Bank Consumer Finance Have Been Charging Late Fees From XX/XX/XXXX Through XX/XX/XXXX. For This Citizens Bank Consumer Finance With Home Equity Loan Department Act Violating XXXX XXXX Detailed XX/XX/XXXX Payment Statement & Act Violating XXXX XXXX Available Funding For The XX/XX/XXXX Autopay, XXXX XXXX Believes This Citizens Bank Department Violated Laws Of Federal Banking Regulations. XXXX XXXX supporting documentation the XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX call XXXX had with Home Equity Loan Department Agent XXXX, a Citizens Bank recorded call with truthful notes taken by XXXX XXXX and the Citizens Bank Home Equity Loan documentation from XX/XX/XXXX through XX/XX/XXXX. Content of XXXX call with XXXX : XXXX asks of XXXX, is he an Agent of the Citizens Bank Home Equity Loan Department. Dukes answer yes. XXXX states to XXXX she wants her statement noted on her Home Equity Loan account for Citizens Bank has not taken the XX/XX/XXXX autopay for her account XXXX : one month ago XXXX stated to Agent XXXX she had Social Security funds for account XXXX autopays & XXXX is responsible for the Home Equity Loan conditions & on XX/XX/XXXX XXXX paid the Town of XXXX {$110.00} property tax bill due leaving her funds to make a XX/XX/XXXX autopay on XXXX XXXX of {$290.00} principal [ noted on XX/XX/XXXX Citizens Bank Home Equity Loan Statement ] & {$220.00} interest equaling {$520.00} & please have Citizens Bank take this XX/XX/XXXX & XX/XX/XXXX available autopay. XXXX reply : he can not take the payment for there is a hold on this account & XXXX must talk with Consumer Counseling [ Consumer Finance ]. For twenty minutes XXXX politely pleads with XXXX to please note her account as requested above & XXXX states he can not. And XXXX importantly notes Consumer Finance has repeatedly hung up the phone on her. At the end of this call XXXX states to XXXX she has filed 6 Complaints to the Federal Reserve regarding Citizens Bank actions & XXXX will tell the Federal Reserve of this call with notes she has taken. Only then did XXXX agree to importantly note XXXX XXXX account XXXX as she requested above. XXXX XXXX XX/XX/XXXX 11th Complaint CFPB # XXXX 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 & 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. Content of XXXX call with Eymer on XX/XX/XXXX : At noon XXXX speaks with XXXX & importantly requests Eymer 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 XXXX 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. Content of XXXX XXXX with XXXX on 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 Eymer who XXXX spoke regarding XXXX Home Equity Loan account XXXX on XXXX 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 XXXX 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 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 & 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. XX/XX/XXXX Complaint CFPB # XXXX XXXX XXXX XX/XX/XXXX 12th 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 PAYING THE XX/XX/XXXX {$1200.00} AUTOPAY ON TIME. Moreover, XXXX XXXX XX/XX/XXXX addition to her XX/XX/XXXX Addition To XX/XX/XXXX 3rd Complaint Citizens 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. XX/XX/XXXX XX/XX/XXXX Home Equity Loan Statement Date Statement : Amount Due {$7600.00} [ {$1200.00} + {$290.00} + XXXX ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$290.00} + Past Due Payment {$6100.00} = Total Amount Due {$7600.00}. Amount Past Due {$6100.00} + Late Charges Due {$290.00} = Total Amount Due {$7600.00}. 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 {$330.00} TOTAL AMOUNT PAST DUE {$6400.00} XXXX XXXX Offers This Bottom-line For Her XX/XX/XXXX 12th Complaint : 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 XX/XX/XXXX XXXX XXXX TO HONOR & ACKNOWLEDGE THE HONORABLE DOCTOR 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. XXXX XXXX XX/XX/XXXX COMPLAINTS WERE SENT BY CERTIFIED MAIL TO THE HONORALBE DOCTOR XXXX XXXX XXXX AND CITIZENS BANK CEO & GOVERNORS XXXX XXXX & XXXX XXXX. XXXX XXXX XX/XX/XXXX COMPLAINTS WERE THEN FORWARDED TO CFPB WHO SUBMITTED THESE COMPLAINTS ON XX/XX/XXXX TO CITIZENS BANK AS CFPB COMPLAINT # XXXX. PLEASE THOROUGHLY READ CFPB COMPLAINT # XXXX IMPORTANTLY NOTING THE XX/XX/XXXX COMPLAINTS BELOW. XXXX XXXX XXXX XXXX XXXX Complaint CFPB Complaint # XXXX Discrimination and Bias Against XXXX XXXX XXXX Citizen In XXXX History To Have Lived Unlike President XXXX XXXX Following A Hairsbreadth Of XXXX Head Injury, & XXXX XXXX XXXX A XXXX XXXX Veteran & XXXX Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Adopted Profoundly Abused XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX 2nd Complaint CFPB Complaint # XXXX Citizen Bank Consumer Finance With Home Equity Loan Department Have I Believe Acted To Steal My Priceless Once In All Of History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Declared the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Forever Honored And Revered As A United States Of America XXXX XXXX, Just Like National Treasures Of The Declaration Of Independence, XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX By Working To Initiate Foreclosure Proceedings & To Hang Up During My Calls. XXXX XXXX XXXX XXXX 4th Complaint CFPB Complaint # XXXX Citizens Bank Home Equity Loan Department Has Acted In Its Initial Foreclosure Proceedings To Deny Me & Steal From Me My Opportunity For Important Lawsuits Of Substantial Consequences Including Actually Getting XXXX XXXX XXXX Court President Judge XXXX XXXX Declared Estate Share Of XX/XX/XXXX. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX submitted https//complaint.consumerfinance.gov/submit-a-complaint ID For 13th Complaint Sent To Citizens Bank XXXX The Honorable XXXX XXXX XXXX XXXX, Chair, Board of Governors of the Federal Reserve Federal Reserve XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX D.C. XXXX & XXXX XXXX XXXX, Chairman, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX ( XXXX ) XXXX XXXX The Honorable XXXX XXXX XXXX XXXX email to https//complaint.consumerfinance.gov/submit-a-complaint XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX CFPB Complaint Number XXXX Submitted To CFPB XXXX/XXXX/XXXX Dear The Honorable XXXX XXXX & XXXX XXXX XXXX, I present to you my 13th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XXXX XXXX 13th 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 XXXX XXXX or email me XXXXXXXXXXXX. XXXX XXXX, Citizens BanXXXX Vice President & Operations Manager with support by Citizens Bank Consumer Finance staff XXXX XXXX XXXX XXXX XXXX Complaint For The Merit Of XXXX XXXX XXXX XXXX XXXX Complaint, XXXX XXXX Freely Believes Citizen Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff Have Acted Without Merit & Unreasonably Showing Bias With Discrimination To XXXX XXXX XXXX XXXX XXXX. XXXX & Acts Of Theft For Their XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Cornet Of The XXXX XXXX, And XXXX XXXX, Patriot Forever Declaring Independence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pending Lawsuits Valued For Many XXXX XXXX XXXX XXXX XXXX & Her Inheritance. 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 show bias with discrimination to XXXX XXXX XXXX XXXX XXXX. XXXX & acts of theft for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXt Of The XXXX XXXX, And XXXX XXXX, XXXX Forever Declaring Independence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX pending lawsuits valued for many XXXX XXXX XXXX XXXX XXXX & her inheritance. Please find documentation for XXXX XXXX XXXX XXXX 13th Complanit : XXXX XXXX 12th Complaint XXXX, XXXX XXXX Home Equity Loan Statement Date Statement : Amount Due {$7600.00} [ {$1200.00} + {$290.00} + XXXX ] ; Estimate Payoff Amount On XXXX XXXX, XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$290.00} + Past Due Payment {$6100.00} = Total Amount Due {$7600.00}. Amount Past Due {$6100.00} + Late Charges Due {$290.00} = Total Amount Due {$7600.00}. XXXX XXXX, 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 {$330.00} TOTAL AMOUNT PAST DUE {$6400.00} XXXX XXXX Offers This Bottom-line For Her XXXX XXXX 12th Complaint : 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 XXXX 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 DOCTOR 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. XXXX XXXX XXXX XXXX, XXXX COMPLAINTS WERE SENT BY CERTIFIED MAIL TO THE HONORALBE DOCTOR XXXX XXXX XXXX AND CITIZENS BANK CEO & GOVERNORS XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX COMPLAINTS WERE THEN FORWARDED TO CFPB WHO SUBMITTED THESE COMPLAINTS ON XXXX XXXX, XXXX TO CITIZENS BANK AS CFPB COMPLAINT XXXX. PLEASE THOROUGHLY READ CFPB COMPLAINT XXXX IMPORTANTLY NOTING THE XXXX XXXX COMPLAINTS BELOW. XXXX XXXX XXXX XXXX 1st Complaint Discrimination and Bias Against XXXX XXXX XXXX Citizen In XXXX History To Have Lived Unlike President XXXX XXXX Following A Hairsbreadth Of XXXX XXXX XXXXy, & XXXX A. XXXX A XXXX XXXX Veteran & XXXX Like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adopted Profoundly Abused Show Himalayan Cats. XXXX XXXX XXXX XXXX 2nd Complaint Citizen Bank Consumer Finance With Home Equity Loan Department Have I Believe Acted To Steal My Priceless Once In All Of History XXXX XXXX XXXX XXXX Of The Independent Colonies, Declared the XXXX XXXX, Cornet Of The XXXX XXXX & XXXX XXXX, Patriot Forever Declaring Independence XXXX XXXX XXXX XXXX To Be Forever Honored And Revered As A United States Of America XXXX XXXX, Just Like National Treasures Of The Declaration Of Independence, XXXX XXXX XXXX XXXX XXXX, & XXXX Flag By Working To Initiate Foreclosure Proceedings & To Hang Up During My Calls. XXXX XXXX XXXX XXXX 4th Complaint Citizens Bank Home Equity Loan Department Has Acted In Its Initial Foreclosure Proceedings To Deny Me & Steal From Me My Opportunity For Important Lawsuits Of Substantial Consequences Including Actually Getting XXXX XXXX XXXX XXXX President Judge XXXX XXXX Declared Estate Share Of XXXX XXXX, XXXX. I wish to take the opportunity to thank you very much for your important priceless work reading my XXXX XXXX XXXX Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX submitted https//complaint.consumerfinance.govXXXX ID For 12th Complaint Sent To Citizens Bank XXXX 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.govXXXX 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 Complanit Number XXXX Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX, I present to you my 12th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 12th 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 XXXX 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, Citizens Bank Vice President & Operations Manager with support by Citizens Bank Consumer Finance staff XXXX XXXX XX/XX/XXXX 12th 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 PAYING THE XX/XX/XXXX {$1200.00} AUTOPAY ON TIME. Moreover, XXXX XXXX XX/XX/XXXX addition to her XX/XX/XXXX Addition To XX/XX/XXXX 3rd Complaint Citizens 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. IMPORTANT POINT : THE HONORABLE DOCTOR 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 TIMES BILLING LATE CHARGES WHEN XXXX XXXX PAID THE {$1200.00} AUTOPAY ON TIME!!!!!!!! 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 charging a Late Charge Assessed of $ XXXXon XX/XX/XXXX and a Past Due Payment of {$290.00} on the Citizens Bank Home Equity Loan XXXX Statement dated XX/XX/XXXX. Please find documentation for XXXX XXXX XX/XX/XXXX 12th Complanit : XX/XX/XXXX XX/XX/XXXX Home Equity Loan Statement Date Statement : Amount Due {$7600.00} [ {$1200.00} + {$290.00} + XXXX ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. Principal {$260.00} + Interest {$950.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$290.00} + Past Due Payment {$6100.00} = Total Amount Due {$7600.00}. Amount Past Due {$6100.00} + Late Charges Due {$290.00} = Total Amount Due {$7600.00}. 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 {$330.00} TOTAL AMOUNT PAST DUE {$6400.00} 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 DOCTOR 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. I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 12th Complaint. I await your replies. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-22
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I called to pay off my loan for my vehicle. They told me I would have to mail in a check or walk into their bank in order to do this. They where not allowed to pay off the loan by phone or online due to bank policy. When I asked why was it bank policy both the customer service rep and their supervisor said that it was just bank policy and that 's just the way it is. My problem is that they charge interest on your loan everyday. If they did this with everyone then they would potentially make millions off of this one way payment. This seems illegal to me. I was put into contact with their manager and they did allow me to pay off my loan by phone after I left them a voice message saying that their bank was sued prior for changing dates of payments in order to make the individual overdraft. I do not know of it was the message I left or the manager just decided to do their job either way I feel that this needs attention. The bank is rbs citizens Address is citizens bank XXXX XXXX XXXX XXXX, ri XXXX
Company Response:
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A