Consumer complaint received 2017-11-25
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:
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 to consumer: Closed with explanation