Consumer complaint received 2017-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

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 to consumer: Closed with explanation