Consumer complaint received 2018-12-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX XXXX XX/XX/XXXX submitted https//complaint.consumerfinance.govXXXX ID For 26th Complaint Sent To Citizens Bank XXXX-. 


The Honorable XXXX XXXX Chair, Board of Governors of the Federal Reserve Federal Reserve Board XXXX XXXX and XXXX XXXX, XXXX. 
Washington, D.C. XXXX & XXXX XXXX XXXX, Chairman, President & CEO & Assistant Vice President XXXX XXXX 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 & Assistant Vice President XXXX XXXX , XX/XX/XXXX email from CFPB to XXXX & XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX  Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX  Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX- XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX  Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-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-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX  Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX- XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX- XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX CFPB Complaint Number XXXX-XXXX Submitted To CFPB XX/XX/XXXX Dear The Honorable XXXX XXXX & CEO XXXX XXXX & Assistant Vice President XXXX XXXX , I present to you my 26th Complaint. I petition you to thoroughly investigate for your priceless determinations of resolutions. My XX/XX/XXXX 26th 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 XXXX Complaint Citizen Bank XXXX XXXX, Chairmans Office, With Citizen Bank Consumer Finance Vice President & Operations Manager XXXX XXXX With Support By Citizens Bank Consumer Finance Staff Have Acted Without Merit VIOLATING THE CITIZENS BANK HOME EQUITY LOAN XXXX CONTRACT TERMS & CONDITIONS BY XXXX XXXX & XXXX XXXX. XXXX NOT RECEIVING OR GETTING IN ANY MANNER CITIZENS BANK HOME EQUITY LOAN XXXX MONTHLY STATEMENTS FOLLOWING THEIR GETTING THE CITIZENS BANK HOME EQUITY LOAN XXXX STATEMENTAND XXXX FROM XXXX BANK UPON CITIZENS BANK WORK STOPPING AT XXXX XXXX XXXX ON XX/XX/XXXX TO SEE IF ANYONE WAS LIVING AT THE HOUSE CAUSING XXXX XXXX & XXXX XXXX. XXXX TO BELIEVE CITIZENS BANK HAD DETERMINED TO NO LONGER TAKE MONTHLY AUTOPAYS OR ANY PAYMENTS FOR NOTHING IS OWED FROM XXXX XXXX CHECKING ACCOUNT FOR THE CITIZENS BANK HOME EQUITY LOAN XXXX AND SAID BELIEF OF XXXX XXXX AND XXXX XXXX XXXX WAS CONFIRMED BY THEIR GETTING A XX/XX/XXXX CITIZENS ONE HOME LOANS LETTER DECLARING CITIZENS ONE HOME LOANS PAYMENTS ARE NOT ACCEPTED AT ANY CITIZENS BANK BRANCH. AND DECLARING, ALL OF WHICH NEITHER XXXX XXXX NOR XXXX XXXX. XXXX HAVE EVER AGREED TO IN WRITING NOR BY A VOCAL STATEMENT, WE ARE TRANSFERRING THE SERVICING OF YOUR HOME EQUITY LINE OF CREDIT OR HOME EQUITY LOAN FROM CITIZENS BANK TO CITIZENS ONE HOME LOANS. CAUSING XXXX XXXX & XXXX XXXX XXXX TO BELIEVE THESE DOCUMENTED ACTIONS BY CITIZEN BANK XXXX XXXX, CHAIRMANS OFFICE, WITH CITIZENS BANK CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX WITH SUPPORT BY CITIZENS BANK CONSUMER FINANCE STAFF, XXXX XXXX & XXXX XXXX. XXXX BELIEVE, DOCUMENT SAID CITIZENS BANK OFFICIALS ACTS OF VIOLATIONS OF THE CITIZENS BANK HOME EQUITY LOAN XXXX CONTRACT TERMS & CONDITIONS & THEFT OF XXXX XXXX XXXX WITH PRICELESS XXXX PAGE, CORNET OF THE XXXX XXXX & XXXX XXXX FOREVER DECLARING INDEPENDENCE XXXX XXXX XXXX XXXX TO BE SPECTACULARLY NOTED, XXXX XXXX & XXXX XXXX. XXXX FREELY BELIEVE CITIZEN BANK XXXX XXXX, CHAIRMANS OFFICE, WITH CITIZENS BANK CONSUMER FINANCE VICE PRESIDENT & OPERATIONS MANAGER XXXX XXXX WITH SUPPORT BY CITIZENS BANK CONSUMER FINANCE STAFF HAVE ACTED UNREASONABLY & WITHOUT MERIT & FREELY VIOLATED FEDERAL FINANCE & BANKING & CONSUMER REGULATIONS & FREELY VIOLATED CITIZENS BANK HOME EQUITY LOAN XXXX CONTRACT TERMS & CONDITIONS & ANY ACTS OF THEFT OF PROPERTY WHEN SAID PARTIES GIVEN ABOVE FREELY ACTED DOCUMENTED ABOVE. 

XXXX XXXX & XXXX XXXX XXXX documentation for their beliefs given above. 





Last Citizens Bank Home Equity Loan Statement Gotten by XXXX XXXX & XXXX XXXX. XXXX in XX/XX/XXXX, XXXX XX/XX/XXXX Home Equity Loan Statement Date Statement : Amount Due {$9000.00} [ {$1200.00} + {$440.00} + {$7300.00} ] ; Estimate Payoff Amount On XX/XX/XXXX {$160000.00}. 
Principal {$290.00} + Interest {$920.00} = Current Payment Due {$1200.00} + Total Fees & Charges {$440.00} + Past Due Payment {$7300.00} = Total Amount Due {$9000.00}. 
Amount Past Due {$7300.00} + Late Charges Due {$440.00} = Total Amount Due {$9000.00}. 
XX/XX/XXXX Late Charge Assessed {$36.00} XXXX XXXX Statement Sent to XXXX XXXX and XXXX XXXX. XXXX. 
ACCOUNT NUMBER ENDING WITH XXXX AMOUNT PAST DUE {$7300.00} OTHER FEES DUE XXXX LATE CHARGES DUE {$470.00} TOTAL AMOUNT PAST DUE {$7800.00} XX/XX/XXXX XXXX, XXXX, Stopped At XXXX XXXX XXXX, XXXX, Massachusetts To See If Anyone Living In House Between XXXX XXXX XXXX, when XXXX XXXX was not home, on XX/XX/XXXX XXXX XXXX heard a citizen knocking at the door. 
XXXX went to the front door & was a bit stunned to see an unknown female by the front door with her car parked in the driveway by the road. 
XXXX petitioned the unknown female for her name & why she was here. 
The unknown female offered to XXXX her name was XXXX & she would not tell him her last name & she was from XXXX to see if anyone was living in the house. 
XXXX then petitioned XXXX to state for him what XXXX was & XXXX answer a bank. 






XXXX XXXX Offers This Bottom-line : XXXX XXXX Freely Believes Citizens Bank Has Violated Federal Banking & Finance & Consumer Regulations & Federal Laws Prohibiting Violations of Home Equity Loan Contract Terms & Conditions & Theft of Property For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking & Finance & Consumer Regulations Do Not Allow XXXX XXXX, Chairmans Office, with Citizens Bank Consumer Finance With 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 to ACT TO Freely VIOLATE Federal Banking Regulations & Federal Laws Not Allowing Violations of Home Equity Loan Contract Terms & Conditions & Theft of Property For All Of The Above Documented Issues. XXXX XXXX Freely Believes Federal Banking Regulations Do Not Allow Citizens Bank Chairmans Office Staff With 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 for these actions by Citizens Bank officials never agreed to by XXXX XXXX & XXXX XXXX. XXXX in writing nor by a verbal statement, XXXX XXXX & XXXX XXXX. XXXX believe Citizens Bank will not be taking any more payments for nothing is owed for Citizens Bank Home Equity Loan XXXX with co-borrowers XXXX XXXX & XXXX XXXX. XXXX. 

I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX 26th Complaint. I await your replies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation