Consumer complaint received 2017-06-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Auto loan for XXXX XXXX XXXX via XXXX XXXX in XXXX, PA. Loan thru either Citizens Auto Finance XXXX XXXX , XXXX , RI XXXX / # XXXX with partial acct number number XXXX ( per XXXX report dated XX/XX/XXXX ) and/or Citizens One Auto Finance ( via XX/XX/XXXX XXXX XXXX report reflecting " Auto Loan '' paid but no account number shown except XXXX? XXXX sticker not displayed on vehicle ; instead one made up by XXXX on dealer lot ; manufacturer 's sticker never sat right with me ; didnt seem to fit truck. my assumption was true. trade in at XXXX, XXXX, PA in XX/XX/XXXX, I was told I had a XXXX not the higher end model I paid top dollars for along with Ext warranty insurance with the actual contract never received by me despite repeated requests to dealer & finance company. cost of warranty insurance plus parts I paid for that dealer failed to tell me they took off once in their possession were all incorporated into a bank loan I saw as Citizens Bank! State of NJ DMV from call last week has no record of me owning truck? XXXX against my request had registration sent to my address on NJ license knowing XXXX was involved. Ex has manipulated all cars I bought and paid for to his name only ; fact I learned during divorce discovery via XXXX XXXX. I was subsequently dropped by XXXX XXXX even though I then called in insurance fraud committed by ex via internet w/o my knowledge. He misclassified all vehicles. All I know is I was dropped and I " thought '' I did everything by the books. I have accumulated much info on how this all occurred but have no way to insure 100 % accurate and law enforcement is only an option for him since again w/o my knowledge he purposely set out to cause irrevocable defamation of character so severe against me that no state agency or even prosecutor office will listen to me. FYI, first ex was a XXXX & has been in auto industry 30+ years who I introduced ex to. Upon discovering that a XXXX XXXX I bought with first ex 's help prior to marriage & also registered to second spouse, I called him on it. A man who had kept friendly contact thru-out many years never called me again except for one week shy of me having to return a leased marital asset ( an XXXX given to me in XX/XX/XXXXwhere in XXXX 's XXXX, NJ location, I was presented with that car as a gift from spouse with my every right to walk away from that marriage with that XXXX but no one supported me. It appears from the registration cards I have on the various vehicles, all originated in PA ; the State where first ex works out of. I have all check stubs ( when banks used to provide them ) check stub endorsements tell much. Realize I went on tangent but since the XXXX XXXX & DMV both point to my ex as the owner of cars I paid for in every area while he had a company truck run thru his company which did not cost him a cent, i nelieve this information to be significant. Ex went online with XXXX XXXX ( my insurance carrier since XXXX ) for the purpose of making online changes to our homeowners and car insurance and made it appear as if originating from me. XXXX XXXX dropped me w/o the courtesy of giving me a chance to show I was being discriminated against. At that time, I had no idea what I now know and it truly is a terrible feeling to be looked upon & stand falsely accused of deeds I had no knowledge of. My credit history supplied via XXXX XXXX reflects what a con artist is capable of doing with the right knowledge and wherewithall. This complaint is multifaceted and does n't all fall under the CPFB but you have my okay to pass on info to any relevant entity for investigation. I suffered severe hardships and discrimination as a result of my former partner. I have a bill from ex 's it guy to former spouse billing him for installing a portal from my home computer to ex 's business computer. The XXXX registered to him caused me to incur a serious pullover with a police report noting wrong silver v. Black as the XXXX color? I ran a XXXX and it stated Silver yet  other entities show black. Why and how police generated a ticket to me with my mother 's PA residence on it v the NJ address on a license I gave them is a mystery to me. Fraudelent business practices conducted by dealer by issuing under loan w/Ext warranty insurance ; neither dealer, insurance carrier nor  Citizens would send copy of policy despite numerous requests. Upon trade in, advised I overpaid XXXX. I now know XXXX, dealer who took XXXX as trade in did almost exact scenario via XXXX XXXX XXXX XXXX ; a bank I just visited who said their hands r tied on dealer loans. XXXX also confirmed NJ had no knowledge I was owner of that XXXX. In addition as far as Citizens loan, dealer incorporated parts I ordered which I learned a year later after finally receiving a XXXX I never stopped asking for, that dealer took off the very parts I paid and requested. I allege extended warranty insurance included in auto loan was never actually in place. Numerous calls to dealer and Citizens Auto Finance for insurance policy were ignored by all.

Company response to consumer: Closed with explanation