Consumer complaint received 2020-08-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX & XXXX my husband XXXX & I made 2 home equity 15 yrs loan lines of credit with Citizens Bank of pa but they wrote the balances of the loans off in XXXX and reported them to XXXX  to the IRS and credit bureaus as written off. During that time XXXX had applied to consolidate the 2 loans to make a lower payment but since at that time there was the mortgage crisis and the Govn gave bailout money to banks that wrote off loans to struggling homeowners Citizens agreed to write the loans off and the nalsnces were XXXX. 
Then 31 CFR 903.5 became applicable that has written prior to writing off a debt all collection must cease, that since all collection is prohibited that includes sale of the debt that was written off and the bank must have counsel release any lein on my home. 
But after they wrote off the debt I learned that some foreclosure claim had been filed but Citizens then in XX/XX/XXXX filed a Notice of Dismissal of their 1st foreclosure claim wroting that all claims resolved and filed release of lis pendens in XX/XX/XXXX. But then again after that in XXXX i learned from others that my homd was listed for a sherriff sale in thr paper. So I contacted Citizens again. I had never been served any second foreclosure or even the first one. And In XX/XX/XXXX I told Citzens if they thought I owed anything I wanted to apply to consolidate but that they had written the loans off and the blances were XXXX. They found again the loans had already been written off and the balances were XXXX as recorda in XXXX shoe so there was nothing owed to consolidate. They then in XX/XX/XXXX wrote a letter to the sherriff to return the writ and judgment to the court because the balance of the loans was XXXX   and they had been wrotten off. They again told they could not by law foreclose and would not.that But then in XXXX Citizens tried to file an eviction that the court dismissed Then I learned that even though they wrote the XX/XX/XXXX letter to the sherriff to not commence any sale and return the writ and judgment to the courtbecause the loans were written off ... after that in XX/XX/XXXX they created a false fictitious XX/XX/XXXX foreclosure sale deed that purportrd to sell my home unlawfilly to Citizens Bank for XXXX XXXX dollars, when that is in violation of many laws, is theft, fictions obligayion. Fictitious false records fraud identity theft theft of property be deception and violation of 31 CFR XXXX that clearly states that had to release any lein on my home and cease ALL collection action. 
Then when I found out about the fraudulent deed in XXXX I called Citizens again and told them either i had to file a wrongful foreclosure or we could come to some kind of an agreement so they agreed to correct the false deed to my home and agreed that if I paid XXXX on to sarisfy the amount that they again acknowledged they had already written off and XXXX they agreed that if i paid those amounts then they would let the IRS and Credit bureaus know that the bakances of the loans that they had already previously reported as written off were paid so thay our credit reports would show the adjustment. 
But aftrr I sent the checks their attorney refused to comply with the law or the agreement and refused to release or void the false unlawful deed they created. The attorney also used some ficticious address for Citizens Bank of the deed. After ward they unlawfully in violation of 31 CFR 903.5 and many other laws sought and unlawfully through fraud obtained possession of my home. They broke and entered removed and trashed all my and my families belongings and furniture destroys many parts of my home they emptied and trashed all my belongings in our 3 car detached garage and shed then totally demoloshed them. By lying to courts in violati9m of 31 CFR 903 5 and many other laws. Citizens and their criminal agents unlawfully obtained judgments against me my deceased husbsnds estate and children for a ficticious obligation not owed to Citizens at all. 
I've been seeking restitution and injunctions to stop their unlawful acts and damages they havr been causing me and our family for years. 
Please call me ASAP XXXX XXXX XXXX I had let Cit8zens bank know about fraudulent unlawful things XXXX XXXX XXXX was filing in court and that the courts sanctioned XXXX in XXXX case law where the Florida judge states in hid opinion that thd lawfirm admitted to filing many false things on a regular basis in all claims they ever filed and I reported them to the FBI and consumer fraud before. XXXX  is now finally closed down so hopefully the harm they've participated won't happen to anyone else. But now XXXX and XXXX XXXX is continuing XXXX unlawful crime. I ex planned to the first attorneyXXXX   XXXX XXXX, XXXX XXXX and he removed himself from representing Citizens but even aftre i explained to the new attorney at XXXX XXXX XXXX XXXX that he would be committing crime and violating laws he refused to correct anything and said he would not even contact thr bank and would only do anything they directed him to do. 

This is crime. Today I called the FTC and they are giving my info to the FTC division that already filed a complaint against Citizens Bank in XX/XX/XXXX for violations of law just as they are doing to me. They are looking at joining my claims. 
But in the mean time I'm contacted CFPB to see if the bank will come to resolution through CFPB or if CFPB will assist in taking action against Citizens for their continual violations of law and consumer protection.

Company response to consumer: Closed with explanation