Date Received: 2017-10-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In early XX/XX/XXXX, after deciding to purchase a second home in North Carolina we went shopping for a mortgage. I was able to call XXXX XXXX XXXXXXXX during the evening hours and initiate a loan estimate. With XXXX XXXX estimate in hand we approached our local bank of many years-Citizens Bank-to see if it made sense to " shop locally. '' The Citizen 's Loan officer ( XXXX XXXX ) said he would absolutely match or do better than the XXXX estimate. Because of difficulties at times with reaching XXXX, I also was in contact with his manager-XXXX XXXX. From the earliest discussions about this " matching '' mortgage we consistently had a disconnect between verbal agreements with XXXX and XXXX versus the paperwork we would see shortly thereafter. We were assured on numerous occasions that there would be no points or escrow associated with the mortgage, in order to compete with XXXX XXXX estimate. When this failed to materialize, I approached the branch manager for help. The manager-XXXX-clearly heard XXXX in my presence again verbally agree to the " No points/No escrow/3.625 % interest '' which he had been promising all along but had yet to produce the paperwork reflecting these terms. [ As of this date we have yet to see a loan estimate for closing disclosure reflecting these parameters. ] We continued to receive assurances that the " final paperwork '' would be " correct '' and not reflect any points. While the initial purchase contract was terminated on XX/XX/XXXX due to serious concerns raised during the building inspection process, a second purchase contract on another house in the area was secured by XX/XX/XXXX. I was assured that the loan process would simply continue for securing a mortgage on the new contract, and that the projected closing date of XX/XX/XXXX would not present a problem of any sort. Again, assurances that the initial conditions would be met-no escrow/no points/3.625 % -and in fact XXXX stated that " we may be able to do better. '' Again the XX/XX/XXXX closing date was confirmed. Numerous delays continued to appear with respect to seeing " corrected documentation '' while awaiting " authorization. '' There were numerous requests for submittals from us for documents already submitted. We were even asked to sign a loan estimate on XX/XX/XXXX in order to meet the XX/XX/XXXX closing date even though the documents still did not reflect the originally agreed to conditions. We were assured that the estimate could be changed to reflect a lower amount such as it was " not detrimental to the client '' and that the numbers would be corrected once the authorization had been obtained. My wife then received a request for a new SSA release from the closing processor-XXXX XXXX. As the social security number printed on the form was incorrect, my wife corrected the number, initialed the correction, and returned the form. Then on the evening of the XX/XX/XXXX she was directed to sign yet another SSA release form-this time with her corrected social security number. This was done and submitted by XXXXXXXX XXXX. Again the next morning, closing day, my wife received from XXXX another SSA release form to sign-this time because the bank had printed the incorrect bank address on the previous form. This was received late morning on the day of closing! We also received an email sent by mistake via reply all from the loan processor to the loan officer indicating the timeline was never possible and the buyer should have been informed of this weeks ago. We were also finally informed that the {$800.00} in points still appearing on the loan documentation was not associated with the rate but rather a result of the secondary lenders requirement based on a no escrow mortgage. This was the first time any secondary lender or penalty for not using an escrow account was ever mentioned during the entire over two month process, and suggests the original verbal commitments were based on incorrect assumptions at best, or perhaps deliberate deception. My son, XXXX XXXX, initiated a complaint early in this long process claiming elder abuse due to the ordeal he saw my wife and I going through while we were contacted by a representative of the Office of the Chairman-XXXX XXXX-who assured us she would help, she apparently left the bank shortly thereafter. When my son attempted to contact her manager, XXXX XXXX ( per voicemail instructions ) no call was ever received. XXXX then opened another complaint with the Office of the Chairman to get assistance, at which point XXXX XXXX was assigned and agreed to assist. She remained communicative until XX/XX/XXXX, after which she never returned a single voicemail. At XXXX of closing day the closing agent in North Carolina had not heard from the Citizens bank loan processorXXXX, and I was not able to get in touch with the loan officer, XXXX, or XXXX. The house was purchased late on XX/XX/XXXX as a cash sale to mitigate damages and fulfill my obligation to the buyer. I still desire Citizens Bank to meet their obligation to provide a first mortgage on the property at the original committed offer, and cover additional costs incurred. There had been considerable expenditures to date based on Citizens Bank employees assurances that they would do so.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-22
Issue: Struggling to repay your loan
Subissue: Problem lowering your monthly payments
Consumer Complaint: To preface my story, here 's the shorter end of it : I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University from fall XXXX to spring of XXXX. During that time, I earned two XXXX, in XXXX XXXX XXXX XXXX XXXX. I worked on and off in a factory for my first XXXX when I could, as I also went to school during summers to spread my classes out each semester. I started working in my field of interest during my second XXXX stint ; I held my position with this employer, stating out part-time start while in college and now their XXXX XXXX XXXX. During my education, I paid XXXX XXXX a total of {$98000.00} in tuition. Just tuition. Or {$130000.00} if you include my tuition, classroom fees, technology fees, student life fees, and software fees. Keep in mind this is what I paid XXXX. This does n't include transportation ( I commuted 35 minutes into XXXX XXXX for 8 years and lived at home with my folks ), computer, art supplies, books, food, etc. My parents were in no financial position to assist my education, so I had to do all of this on my own [ but I do n't think higher education should be a parent 's responsibility anyhow ]. I took out private and federal student loans every semester between XXXX and XXXX. -- -- -- -- XXXX XXXX XXXX I consolidated all but one of my private student loans to Citizens Bank, serviced via XXXX XXXX to which it totaled {$84000.00}. My variable interest rate was 5.88 % for a 15 year term. Total finance charges are estimated at {$42000.00}, making my total loan amount of {$120000.00} over its life. As of XXXX XXXX XXXX, my monthly payments to XXXX are {$710.00} a month. That is 21 % of my annual gross income [ of {$42000.00} gross ]. I called XXXX about reducing my monthly payment and they said this is n't an option for my loan. They only offered forbearance ; two months at a time. To my understanding, I will have to go back into repayment [ if I am even granted forbearance ] for three months and apply again, if needed. Forbearance is my last resort, as this will cause my monthly payments to go up once I am in repayment. If I can not afford {$710.00}, I am not going to be able to afford anything more than that, clearly. -- -- -- -- I also have a private student loan with XXXX that has a principal balance of {$24000.00} as of XXXX XXXX and my current balance is {$28000.00}. With an interest rate of 5.00 %, that makes my monthly payments {$210.00}, making it 7 % of my annual gross income [ of {$42000.00} gross ]. This loan is due to be paid off in XXXX. I have not made any attempt to lower my payment or putting into forbearance yet. -- -- -- -- I honestly want to keep paying as much as I can on what I owe, but it looks like I am quickly running out of that luxury ; sadly. I want to pay back every cent what I owe, but I have to be able to do it where I can still have a life. Otherwise, I am just working as a corporate slave every day to pay off a debt that is going to keep me buried for the next 24 years. How am I supposed to contribute to society to keep it healthy? Making only minimum payments on everything in my life is becoming very taxing on my checking account, and by extension, my mental and physical health as well. To give you an idea of my burden, here are my financial obligations, which include : - Storage Unit - {$110.00} mo - Rent ( to my mother ; still live with her ; this includes my phone costs and car insurance ) - {$270.00} mo - Credit Card payments ( I only use these now when I am really behind ) - {$210.00} mo - XXXX XXXX Student Loan - {$160.00} mo - Roth IRA - {$75.00} every paycheck ( every other week - I 'd like to be contributing 18 % of my check to retirement, but this is not feasible right now, so I just put 5 % away for now ) - XXXX XXXX XXXX - {$710.00} mo - XXXX XXXX ParentPlus Student Loan - {$160.00} mo - XXXX XXXX XXXX - {$210.00} mo - XXXX XXXX XXXX ( had to take this out to pay off old credit card debt because I can not keep up with my own debt to income ratio ) - {$300.00} mo - Car Payment - {$220.00} mo - Life and Renters Insurance - {$88.00} mo And just in reminder, my annual income is {$42000.00} gross. I do not earn overtime, however, I do work an average of 43 to 58 hours a week. -- -- -- -- Please reach out to me if you need more detail on any topic I may have brought up. Thank you VERY much for your time and consideration in what my best options are. I sincerely look forward to hearing from you.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2017-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I got a HELOC from Citizen 's Bank but was never late on any payment as I had Citizen 's Bank Automatically withdraw payments from the inception and not as stated in a letter from the Office of the Chairman namely XXXX XXXX on XXXX XXXX, XXXX. As a result of the aforementioned outright lies and deceit attempting to ruin my chances of obtaining another mortgage lender thereby RUINING MY CREDIT which XXXX XXXX states in paragraph 3 of her letter from the Office of the Chairman dated XXXX XXXX, XXXX. I did NOT enroll on XXXX XXXX, XXXX as stated in aforementioned letter as I know that it was automatically coming out from the onset but as I disputed in yet another Claim to the CFPB, they LIE, STEAL, DECEIVE AND DEFRAUD their bankers as I know at least five ( 5 ) people who have horror stories about Citizen 's Bank stealing their money as well. Fortunately for me, I stand up for what is right and I would not be going through all of this I.E., TYPING, RESEARCHING AND filing claims if he Bank was acting in accordance with the Laws which govern the State of Pennsylvania. Also, in paragraph 3 they are LIEING which is NOT following The Fair Credit Reporting Act ( FCRA ),. Therefore, I infer that Citizen 's Bank feels their Institution is above the law?! the Bank MUST THINK THEY ARE ABOVE THE LAW as the letter stating that the information in said paragraph 3 is a lie as is the reporting of NON PAYMENT TO the Credit bureau is NOT the truth!!! It is also the Laws of Pennsylvania that I see on my end what is happening with my finances on the Bank 's end. I have NEVER received any statement regarding THE since the inception of the HELOC TO THIS DATE!!?!?!! I DID NOT EVEN KNOW THE ACCOUNT # ENDED IN XXXX!!!!!? Which is further proof of the fact that Citizen 's does NOT follow the laws governing the Commonwealth of Pensylvania!!!!! The FALSE REPORTING OF MY late-payments ruined my credit causing me hundreds of thousands of dollars due to the ripple effect creating high interest in nearly every aspect of MY life namely, most recent, my car insurance and my interest rate on my car!!! I paid off my school loans, XXXX XXXX, a loan with XXXX in the amoiunt of {$6000.00} on time in full and every bill. ( evidence of which will be produced upon request ) Citizen 's Bank refuses to provide the address of the HELOC, which I infer their next plan is to TAKE MY HOUSE DUE TO THE DECEIPT AND LIES WHICH THE bank continues doing even in their response to the CFPB. Money grubbing, greedy practices which, if I have anything to do with, should cause the laws that govern the State of Pennsylvania to insist the Bank close their doors to Banking!!!!! Most every paragraph in the aforementioned letter is total lies and deception in an inferred attempt of me getting tired of filing Complaints but I will not as my recently XXXX XXXX TAUGHT ME DIGNITY, STANDING UP FOR WHAT I BELIEVE IN AND KNOW THE TRUTH AND INTEGRITY WHICH CITIZEN 'S BANK obviously knows nothing about any honorable attribute!!!! The reporting of my late payments ARE LIES AS Automatic Withdraw was nor set up on XXXX XXXX, XXXX, as stated on XXXX XXXX, XXXX, from XXXX XXXX of the Office of the Chairman. It was set up at the inception of same and I have nt ever seen a single statement whatsoever to even know how much and if their subtraction is correct in all my payments every month of approximately {$25.00} several times/month!!! The FCRA requires I see what is going on on my end what is happening on the Bank 's end with regard to my financial concerns combined with the DAMAGE THE LIES HAVE CREATED DIN MY LIFE CAUSING ME MUCH MENTAL ANGUISH AND COSTING ME hundreds of thousands in high yield interest due to the lies attempting to deceive not only me but rh= Commonwealth of Pennsylvania and the CFPB!!!!!
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: citizens bank stole my direct deposit social security check in the amount of {$XXXX} although last month on XXXX XXXX, XXXX, I asked the window teller how much I needed in the account so I can get my check until they switch it and I did so. They never told me until it was too late and the back spitefully and maliciously stole my means of sustaining life, i.e. paying bills!!! Once before, when I said I was a XXXX XXXX XXXX XXXX, the bank shut down my ability to see what was going on in my account because of my reporting identity theft!?!?!?! Then after XXXX XXXX XXXX XXXX days of not seeing where/what or balance available, I went to the branch and practically had to apologize for the facat that they were not following the law and showing me my ACCOUNTS. I need my {XXXX} and this is happening to everyone I know?????? I can not live while a bank lies, deceives and transfers an obvious thief just like the XXXX did with the XXXX who XXXX XXXX XXXX!!!!! Transfer them to another XXXX to do to more children and transfer XXXX, the bank senior rep who started this whole thing by telling me that, " ... it costs too much money to transfer money to pay down your XXXX so I 'm closing that account and opening another ... '' Turns out, it costs NOTHING and I never saw on my end to this date the XXXX NOR THE ACCOUNT WHICH XXXX XXXX from XXXX of the Chairman refers to in the XXXX XXXX letter which I have attempted to contact her over XXXX ( XXXX ) times to NO AVAIL AND I want my money with the same XXXX % interest the bank charges people. Apparently, Citizen 's Bank thinks I will get tired of typing but I am NOT THE AVERAGE CITIZEN AND LAST I READ ( although most in society do not have integrity, honor, dignity, and pride ) I did nothing wrong and am a productive member of society working my way through XXXX, achieving my XXXX XXXX XXXX with a XXXX XXXX and paying bills on time so I MUST GET MY MONEY BACK!!! How dare a bank make billions of dollars counting on people not having the ability to fight for what is theirs and I hapopen to be the one who will go to every news channel if this is not in a timely manner required by LAWS THAT NOONE KNOWS BANKS DO NOT FOLLOW.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Dear Sir/Madam : I am being sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) who filed a complaint against me in XXXX XXXX, XXXX. I now have a pre-trial conference scheduled for XXXX XXXX and a trial scheduled to take place the following month. I have been in a legal battle with this entity for two years and managed to vacate a judgment placed against me. I do not have a lawyer because I simply can not afford one. I have filed numerous complaints ( before I was sued ) with the Attorney Generals Office as well as Consumer Financial Protection Bureau ( CFPB ) against XXXX who claim to own my private student loans to no avail. Both agencies failed to conduct a proper investigation into the matter and failed to protect me as a consumer. After I had conducted an investigation, I realized that XXXX did not own my private student loans due to the following : 1. XXXX provided copies of my promissory notes with missing pages ( e.g terms and conditions ) 2. XXXX provided copies of their Pool Supplement and Deposit & Sale Agreements which were not fully executed, did not list my name, did not reference promissory notes, no purchase amounts listed and not notorized. 3. It is unclear if the name listed under the lender, Charter One Bank, N.A. Is an authorized signer. Most companies have a delegation of authority in place. 4. XXXX is claiming I owe more than what I borrowed and paid towards the private student loans. 5. Charter One Bank was acquired by Citizens Bank in XXXX but did not change their name until XXXX. It is unclear whether Citizens Bank sold the debt or paid it off when they purchased Charter One Bank. 6. Citizens Bank is unable to confirm the business transaction between Charter One Bank and XXXX. When I read the XXXX XXXX XXXX article about CFPB filing a lawsuit against XXXX, I thought finally there was light at the end of the tunnel. This quickly changed when I called CFPB only to find out no one knew about the case. I thought CFPB made it clear to XXXX to cease all collection efforts in regards to debt collection until an audit was performed? Why am I still being sued? I hope you understand that there are individuals going through the legal process now. Not just those who were already sued and have been paying XXXX. What do you say to those individuals such as myself? Sorry we can not give legal advice. This does not make any sense. CFPB should take full responsibility for letting millions of consumers down. XXXX have been illegally filing false claims in court against borrowers since XXXX. You finally did a review and filed a complaint against this entity in XXXX. Really? If you think you deserve a pat on the back ... ..you dont deserve it. As a matter of fact you should also be sued for your failure to properly conduct an investigation, communicate with consumers and taking action against the entity in question. I need someone in upper management who is familiar with this case to contact me.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I filed a complaint with regard to XX/XX/XXXX, letter from Office of the Chair but this is for the same ongoing issue of misappropriation and illegal activities wherein my money was not secured although I attempted over eight ( 8 ) months time beginning by sheer coincidence when I went the few blocks distance to the Citizen 's Bank, XXXX XXXX branch in XXXX XXXX area. XXXX, the representative in cubicle closest to the entryway, happily told me that the bank will not charge me the {$8.00} overdraft fee for an account I had no idea existed!!!!! In that letter, which is a response to my complaint, every aspect of it is wrong!?!? My Complaint is that : -I KNEW NOTHING ABOUT aacc0ount ending XXXX and never had a claim deposited on XX/XX/XXXX as I was told but not permitted to see. I never got a single piece of correspondence, statement or a thing regarding said account????? XX/XX/XXXX o - I was NOT concerned that I was, " ... negatively reported ... '', AS much as the suspicious manner in which the entire banking laws to follow were/are mind-boggling to me. I was LIED TO and no one was listening. - paragraphs 3 and 4 are stating EXACTLY MY POINT FOR THE ENTIRE COMPLAINT!!! The FCRA requires that banks, " ... furnish information which is correct and true and correct ... '' which I WAS DEPRIVED!!! - paragraphs 3, 4, and 5 are not addressing any of my concerns and that is # 1- why did n't I see on my end that account ending in XXXX and WHY did n't I get statements as It is the law for me to see on my end what is going on in my name & with my money or NOT at the institution where I entrust my money!!!!! Therefore, I thank that person who responded to my Complaint in that I was not given fair and correct information from the beginning PLUS, the law also stares that this done IN A TIMELY MANNER!!! Not the ten ( 10 ) months only after I filed the Complaint with the CFPB and months upon months of me following the laws that Citizen 's Bank did NOT AND THAT is why was n't it disclosed to me of this deposit for which, by the way, I did go to XXXX XXXX XXXX ( on my own common sense and spent over four ( 4 ) hours there while XXXX finally told me that I was right!!! -Incorrect that I opened an account on XX/XX/XXXX but IT WAS SWITCHED due to a lie toled to me regarding reasons I should switch the type of checking account at the advice of the senior representative,XX/XX/XXXX who was subsequently transferred out of the branch!!! XXXX also yelled at me necessitating the guard to come ask if I was ok. ( i infer there are cameras in banks?! XXXX said, " ... I can close your account right now ... '' and I calmly and shockingly replied, " I bet you can '' and left the bank. - Lastly, I was NOT EXPRESSING CONCERNS about TRANSFERS -- rather my concern ( as stated in paragraph 6 ), ONCE AGAIN, but that I am/was and continue to be unresolved VICTIM OF IDENTITY THEFT. Providing statements is # 1 -- what the Office of the Chairman should have done back in XX/XX/XXXX -- TEN MONTHS AGO!!!? My question is WHY DIDN't the bank attempt to find out who opened this account in my name and HOW??? I HAVE FILED NUMEROUS police reports but since the said Office of the Chairman never attempted to amicably reply to me to resolve this matter of IDENTITY THEFT which XXXX also was working on with me. - All of the remaining paragraphs are as a result of the Office of the Chairman not abiding by the law & perhaps NONE OF THIS WOULD BE ONGOING IN MY LIFE!!! - I did not make any of the transfers which referred to in the remaining paragraphs. - I withdrew my money on the last day of XX/XX/XXXX which is my direct deposit Pension from the XXXX XXXX XXXX XXXX XXXX so that money would not be stolen from that too. I did not have a card nor ability to see my accoumt ending in XXXX since the beginning of XX/XX/XXXX!!!
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2017-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Good afternoon, On Saturday, XX/XX/2017, I called my bank to inquire about a direct deposit and to ask where did {$340.00} that appeared in account Saturday morning. It was n't showing as a deposit and I knew it was less than what I was expecting. The representative and I reviewed the account and she was unable to identify the origin of the funds. I jokingly said, " I know my bank is n't giving me free money. '' I asked her to check for my direct deposit which she did. At that time, she was unable to locate the funds. I told her please the note account that I 'll be paying my bill with the XXXX. If and when you figure it out, XXXX will reconcile with my direct deposit. The funds stayed in the account ; and on Tuesday, XX/XX/2017, the direct deposit show up. I made sure I left the amount I saw over the weekend just in case. On Wednesday the XXXX, my bank charged me an overdraft fee. I called to find out what was going on. The representative was curt and offered very little assistance. I requested a supervisor who immediately inferred I was telling a lie. He insisted he did n't see my call on Saturday and that mysterious funds were in my imagination. When I told him I am not paying for something that I clearly had the funds to cover and that I would file a complaint he escalated to a higher office. I was told I would receive a call within 24 hours, it ; 's been 72 hours with no explanation or call. I have called several times and the matter is still not resolved. Additionally, I had paid my electric bill and knew the funds would be a problem because of the overdraft, so, I cleared the overdraft as not have any more issues only to be hit with another overdraft. I clearly had the funds available at the time. You are my only hope. Please help me. Thank you
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is with response to a letter datedXX/XX/XXXX, from Office of the Chair. In all areas wherein the letter refers to my HELOC being opened onXX/XX/XXXX, and account ending in XXXX opened on XX/XX/XXXX I have not ( to this date ) receive any information on either of the accounts mentioned in this letter and other reporting to Credit Bureau XXXX due to fraudulent reporting & /or lack of correspondence with me so that I am informed of due dates, etc.!!!! I researched and learned that I must see what is being done with the money I entrust to the Institution, i.e. if another account is opened. I have never to this date, received any information whatsoever regarding my HELOC and I bought my home onXX/XX/XXXX, at such time banking with Citizens. Thanks to the CFPB, people like me have Civil Rights that my banking institution has to follow. One of which is the right to see on my end what is going on with any & all of my accounts & transactions on the bank 's end. Therefore, banks must " ... conduct a fair and transparent marketplace for consumers ... ''! The CFPB is the venue with federal supervisory authority and this Complaint is with regard to the letter I received onXX/XX/XXXX from Citizen 's Bank 's Office of the Chair admitting that I ( having been a victim of Identity theft ) knew nothing of and was NOT ADVISED IN ANY WAY UNTIL XX/XX/XXXX & the letter referred to for which this complaint is based. The letter from the Office of the Chair states that XXXX XXXX XXXX opened 2 accounts1 that I know nothing about and the HELOC -- which I, to this date, have never seen!?!?!? In this case being Citizen 's Bank!!! As of, " ... XX/XX/XXXX, CFPB enforcement activity has resulted in over {$11.00} billion in relief ... to millions of consumers harmed by deceptive acts ''!!! I am being advised in a letter 4 years later the date that I ( DID NOT EVEN KNOW OF through any means, i.e., email, telephone, postal service until vaguely on XX/XX/XXXX, and now in documentation dated XX/XX/XXXX!? I have researched, attempted to contact, spending sometimes 10 hours a day pleading with employees at the bank branches in the XXXX area of XXXX @ Citizen 's Bank to no compassionate ears. I assume that every bank has cameras in it?! I am not on film on XX/XX/XXXX, looking shocked to learn that an account has been opened for which I am not being charged the {$8.00} OD fee, said XXXX in the cubicle closest to the entryway of the XXXX XXXX branch adjacent to XXXX XXXX XXXX??? I was deemed " compromised '' by XXXX and by many investigations with XXXX and I filed several police reports on XX/XX/XXXX as they fervently attempted to keep me more secure than my financial Institution!!! Thanks to XXXX 's message, I was alerted to my another device looking at my profile ... thank you XXXX for the integrity of your institution, and even attempted resolving the problem with Citizen 's Bank amicably. I do not and never have ( except for a few brief moments on XX/XX/XXXX ) $ XXXX in 1 day transferred into my checking account ending in XXXX and asked XXXX to please leave it open so I may see what is/was happening TO NO AVAIL!?!? " ... approximately 3.6 BILLION I am just now learning consumers such as me for their pain and suffering such as mine!!!!?!? I have suffered illegal actions of deception and that I was told, " ... does not happen in banks. ''??? I sat in the XXXX & XXXX XXXX of the bank manager treated as if I was a criminal being told that he is busy and he 's to meet with customers ... as if I am not??? n was never so humiliated in my life. That bank manager practically calling me a liar as he said, " d ... Citizen 's BAnk did NOT reporat you as non-payment in negative to the Credit Bureau yet LETTER IN MY POSSESSION STATES EXACTLY WHAT I REFERRED TO IN his cubicle!!! Degraded & humiliated through lies and/or deception!!! The letter referred to the HELOC and account ending in XXXX yet I HAVE NEVER SEEN NEITHER OF THEM!!! Multi-Billions of Dollars in lawsuits as far back as XXXX has been settled for 1 ) excessive overdraft fees and 2 ) not seeing onconsumer 's ( my ) end what is going on with their accounts on the end of the bank!!! The letter also referred to that letter dated as referenced above. Therefore, for my mental anguish of not being afforded the opportunity to even glance at my HELOC and the facts stated to even know if they are factual, I must be provided compensation as I have followed every detail of the law immediately upon learning of my hacker/identity theft/THIEF. I did not state/claim ( as written/stated that I was concerned about charges for transfers!!! RATHER, I claimed that the bank 's senior representative, XXXX ( who was subsequently transferred, INFORMED ME that it was in my BEST INTEREST TO CLOSE THE ACCOUNT that I saw on XX/XX/XXXX, due to excessive transfer charges but I NEVER EVEN SAW that ACCOUNT TO KNOW OF ANY SUCH CHARGES!?!?!?! There IS a LEGAL obligation ( as far as my understanding of the articles of the law I researched! ) to know what my rights are and subsequently finding the CFPB to file claims against unfair/illegal practices by Citizen 's Bank stated above.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.
Company Response:
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Getting a loan or lease
Subissue: Problem with a trade-in
Consumer Complaint: I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A