Consumer complaint received 2015-03-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Separate from my claim yesterday, I now alleged criminal behavior on the part of XXXX XXXX presented an XXXX Divorce Document to the Branch Manger of Citizens Bank in XXXX, XXXX-XXXX. XXXX XXXX on XX/XX/XXXX at XXXX and requested past Bank Statements for the period between XX/XX/XXXX-XX/XX/XXXX. She promptly pulled up the account on her computer screen and even pointed out the initial deposit on XX/XX/XXXX. Reported to me that it was open in credit status only because there were notes for pending research on fees that were supposed to be reversed over 5 years ago. She then, despite my verbal opposition and the court order in front of her, insisted that she had to close the account because I was getting divorced and should not have a joint account with my spouse and that we were no longer eligible for any applicable credits. She then assured me I would have the requested statements within 2 weeks ( records over 7 years old require the processing of a research fee-despite my physically viewing the XX/XX/XXXX Statement on XXXX XXXX 's Screen ). She then informed me that it would cost about {$180.00} in fees and that I would have to come into the branch and pay that when I pick of the Statements, implied to be just after XX/XX/XXXX. I believe this arrangement constitutes a formal contract for the reproduction of the XX/XX/XXXX-XX/XX/XXXX Statements that she showed me on her screen. 

Today XX/XX/XXXX, after filing reports with various stake holder groups last evening ( including you ) as well as citizens bank corporate offices, I met with XXXX XXXX XXXX XXXX manager XXXX XXXX ( actually located at the XXXX XXXX branch ) and was informed that the account records had been purged in " XX/XX/XXXX '' after the account had been closed by XXXX XXXX, which is would have been in strict opposition to the court docs presented to XXXX XXXX and a follow-up email on the evening of XX/XX/XXXX/XX/XX/XXXX to XXXX XXXX ( attached ) reiterating this as well as pointing out the issue of why the account was open for credits only ( refund of fees ) as XX/XX/XXXX. 

After, in casually speaking with a Law Firm not XXXX blocks from the XXXX XXXX XXXX, I can confidently say that I believe XXXX XXXX committed a criminal act, fraud actually, as a refund of $ 2,800+ in fee 's described in the attached email to her on XX/XX/XXXX would effect XXXX XXXX XXXX Profits for that branch and therefore impact her performance bonus as branch manager. 

I would also like to reiterate that XXXX XXXX 's XXXX XXXX XXXX XXXX was extraordinarily helpful and I believe sincerely tried to reverse the deletion and obtain the records for me going back 7 years. She also stated that if I get a direct Subpoena from Indiana to her she could forward it to legal, who has access to all of my account records since inception at a XXXX XXXX XXXX XXXX as well as many others, but they would only comply with the Federal mandate of 7 years old ( which I have ), it is the XXXX year which is essential as it shows my direct contribution to my wife 's education over that year ( XX/XX/XXXX-XX/XX/XXXX ) which is relevant under XXXX Divorce Law. 

Transparency and customer access to records physically shown to me in person XXXX month ago ( XXXX literally pointed out the opening deposit on XX/XX/XXXX ) is not asking anything out of line when complying with a court order. I also believe I should have access to the exact information that she purged after my email, as I should have access to whatever personal financial information so material in XXXX XXXX 's interests that she knowingly and deliberately permanently deleted the record of it.

Company response to consumer: Closed with explanation