Consumer complaint received 2023-06-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Operations XXXX XXXX XXXX XXXX XXXX CT XXXX Subject : Consumer Complaint Regarding Violation of FCBA Provisions Dear Citizens Credit Card, I am composing this letter to lodge a formal complaint against your company due to its failure to comply with the dispute settlement procedures outlined in the Fair Credit Billing Act ( FCBA ). Creditors who engage in prohibited involuntary collection attempts for unresolved billing error disputes within the two billing cycle requirements of the Fair Credit Billing Act ( FCBA ), as stated in 15 U.S.C. 1666, may face penalties. Furthermore, the FCBA prohibits creditors from threatening to report or reporting your non-payment to anyone, safeguarding your credit reputation. 



Below are the details of the incident and the specific FCBA provisions that have been violated : 1. Incident Details : Date of Billing Statement : XX/XX/XXXX XX/XX/XXXX, statements Billing Statement Account Number : XXXX XXXX XXXX - XXXX Description of the Disputed Charge ( s ) : Dispute Case # : XXXX Transaction Details : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Disputed Chargeback Amount : {$360.00} Refund Requested : {$120.00} Dispute Case # XXXX Transaction Details- BILLING DISPUTE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AZ XXXX Disputed Chargeback Amount : {$340.00} Refund Requested : {$340.00} This chargeback was initiated due to a breach of guaranty claim against XXXX and XXXX XXXX XXXX citing merchant misrepresentation in the process and negligent claims investigation. 

2. Violated FCBA Provisions : Failure to acknowledge receipt of my written dispute within 30 days, as required by Section 1666 ( a ) ( 3 ) ( A ) of the FCBA.

Failure to investigate the disputed charge ( s ) and provide a resolution within a reasonable period, as mandated by Section 1666 ( a ) ( 4 ) of the FCBA.

Engage in prohibited involuntary collection attempts for unresolved billing error disputes within the two billing cycle requirements of the Fair Credit Billing Act ( FCBA ), as stated in 15 U.S.C. 1666.

Incorrect reporting of the disputed charge ( s ) to the credit reporting agency, in violation of Section 1666 ( a ) ( 6 ) ( B ) of the FCBA.

3. Supporting Documentation : Attached to this complaint is a copy of the original billing statement highlighting the disputed charge ( XXXX ). 

I have also included a copy of the written dispute letter that I sent to your company on XX/XX/XXXX. 

Additionally, I have retained any relevant correspondence, such as letters or emails, that may help support my complaint.

4. Desired Resolution : I request a thorough investigation into the disputed charge ( s ) and a prompt resolution in accordance with the FCBA provisions.

If the investigation reveals an error, I expect a correction to be made, and the credited amount should be reflected on m
y account statement.

I also request the immediate rectification of any incorrect information reported to the credit reporting agencies.

5. Legal Ramifications : Please be aware that violations of the FCBA may result in penalties, including actual damages, statutory damages, and attorney 's fees. I hope to resolve this matter amicably, but I am prepared to take further legal action to protect my rights as a consumer if necessary. 

I kindly request that you acknowledge receipt of this complaint within 7 days and initiate the investigation promptly. Please provide me with a written response detailing the steps taken to address my concerns and the proposed resolution.

I believe in your commitment to upholding consumer rights and complying with federal laws such as the FCBA. I trust that you will give due attention to this matter and take appropriate action to rectify the violation.

Thank you for your immediate attention to this complaint. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation