Consumer complaint received 2017-08-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have deposited my pension check in Citizens Bank at XXXX XXXX, XXXX, Michigan XXXX for over ten years. However, I received a XXXX copy of my check dated XXXX XXXX, 2017 for the amount of {$1400.00} and stamped across the front of the check : " RETURN REASON UNABLE TO LOCATE, along with the XXXX check was a notice that stated : " WE HAVE ENCLOSED THE ITEM AND SUBTRACTED THE AMOUNT FROM YOUR ACCOUNT BALANCE. AS WELL AS WELL AS CHARGED YOUR ACCOUNT THE ITEM FEE. PLEASE UPDATE THE BALANCE IN YOUR ACCOUNT. ( See exhibit A notice and XXXX copy of my check ) I called the bank and instead of Citizen Bank contacting the issuer or payer the ( XXXX XXXX XXXX Pension Plan ) of the check because as they said they could n't located the account and they did nothing but sent me a notice the victim and the receiver or payee of the check. It stand to reason if you receive a check and you ca n't locate the funds or money to contact the person or institution that wrote or issued the check, if you really serious about locating the money or fund, unless you have something to hide or you do n't want them to be involved for whatever other reason. Citizens Bank had the account number, the check number, the routing number and the person or institution name that authorized or issued the check, so why could n't they located the check. This check was identical to the other checks in the pass. although, Citizens Bank reason was UNABLE TO LOCATE AC-COUNT. What was Citizens Bank really looking for the information they needed to find the check was in plan or clean sight in front of them on the check No.XXXX XXXX. Citizens Bank and the Manager XXXX XXXX reason was UNABLE TO LO-CATE ACCOUNT and not insufficient funds and I mention it a couple of times to the Citizens Bank and to XXXX XXXX the Manager and they emphatically said it was n't insufficient funds. When I deposited and/or cashed my check I only received {$600.00} out of the {$1400.00} and only {$800.00} was deposited for this particular check. The real question is where is the {$1400.00} that the bank and Manager XXXX XXXX insisted that I am responsible for the check when I did not write or issued the check. I am the payee the person or victim in this case that received the check.. Why was money or funds taken from my account without my consent and approv-al or for a better word or description stolen? Citizen Bank through their manager XXXX XXXX by the " prima facie '' evi-dence of facts appear to have concealed the real reason why they have stolen money from my account by some bank policy that is unlawful. One thing is for sure the money did n't get up and just walk await and Citizens Bank and the bank manager reason do n't pass the smell test, especially since the bank emphati-cally stated it was n't insufficient funds. If this was a matter of in sufficient funds the check would have been returned to the payer and in this case it would be the XXXX XXXX XXXX Pension Plan. However, Citizens Bank consciously, intentionally, deliberately and with forethought conceal the truth and real reason for sealing money form me it 's customer. This is a clear case of stealing from your customer and concealing the facts to cover up your negligent and criminal behavior, therefore Citizens Bank through their manger XXXX XXXX has perpetrate a fraud to conceal the true fact, thus violated the Fraudulent Concealment statute MCL 600.5855. I want my money transaction deducting the funds from my account without my consent and approval be returned to my account, plus the {$20.00} return fee with interest and penalty {$500.00} added to my account for the Bank action that was intentionally inflicted upon me under false pretense. That no transaction be taken without my consent and approval and that who ever is responsible be terminat-ed. I also want a response in writing. Sincerely Submitted XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation