Consumer complaint received 2017-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint with regard to XX/XX/XXXX,  letter from Office of the Chair but this is for the same ongoing issue of misappropriation and illegal activities wherein my money was not secured although I attempted over eight ( 8 ) months time beginning by sheer coincidence when I went the few blocks distance to the Citizen 's Bank, XXXX XXXX branch in XXXX XXXX area. 
XXXX, the representative in cubicle closest to the entryway, happily told me that the bank will not charge me the {$8.00} overdraft fee for an account I had no idea existed!!!!! In that letter, which is a response to my complaint, every aspect of it is wrong!?!? 
My Complaint is that : -I KNEW NOTHING ABOUT aacc0ount ending XXXX and never had a claim deposited on XX/XX/XXXX as I was told but not permitted to see. I never got a single piece of correspondence, statement or a thing regarding said account????? XX/XX/XXXX o - I was NOT concerned that I was, " ... negatively reported ... '', AS much as the suspicious manner in which the entire banking laws to follow were/are mind-boggling to me. 
I was LIED TO and no one was listening. 
- paragraphs 3 and 4 are stating EXACTLY MY POINT FOR THE ENTIRE COMPLAINT!!! The FCRA requires that banks, " ... furnish information which is correct and true and correct ... '' which I WAS DEPRIVED!!! 
- paragraphs 3, 4, and 5 are not addressing any of my concerns and that is # 1- why did n't I see on my end that account ending in XXXX and WHY did n't I get statements as It is the law for me to see on my end what is going on in my name & with my money or NOT at the institution where I entrust my money!!!!! 
Therefore, I thank that person who responded to my Complaint in that I was not given fair and correct information from the beginning PLUS, the law also stares that this done IN A TIMELY MANNER!!! Not the ten ( 10 ) months only after I filed the Complaint with the CFPB and months upon months of me following the laws that Citizen 's Bank did NOT AND THAT is why was n't it disclosed to me of this deposit for which, by the way, I did go to XXXX XXXX XXXX ( on my own common sense and spent over four ( 4 ) hours there while XXXX finally told me that I was right!!! 
-Incorrect that I opened an account on XX/XX/XXXX but IT WAS SWITCHED due to a lie toled to me regarding reasons I should switch the type of checking account at the advice of the senior representative,XX/XX/XXXX who was subsequently transferred out of the branch!!! 
XXXX also yelled at me necessitating the guard to come ask if I was ok. ( i infer there are cameras in banks?! 
XXXX said, " ... I can close your account right now ... '' and I calmly and shockingly replied, " I bet you can '' and left the bank. 

- Lastly, I was NOT EXPRESSING CONCERNS about TRANSFERS -- rather my concern ( as stated in paragraph 6 ), ONCE AGAIN, but that I am/was and continue to be unresolved VICTIM OF IDENTITY THEFT. Providing statements is # 1 -- what the Office of the Chairman should have done back in XX/XX/XXXX -- TEN MONTHS AGO!!!? My question is WHY DIDN't the bank attempt to find out who opened this account in my name and HOW??? 
I HAVE FILED NUMEROUS police reports but since the said Office of the Chairman never attempted to amicably reply to me to resolve this matter of IDENTITY THEFT which XXXX also was working on with me. 

- All of the remaining paragraphs are as a result of the Office of the Chairman not abiding by the law &  perhaps NONE OF THIS WOULD BE ONGOING IN MY LIFE!!! 

- I did not make any of the transfers which referred to in the remaining paragraphs. 
- I withdrew my money on the last day of XX/XX/XXXX which is my direct deposit Pension from the XXXX XXXX XXXX XXXX XXXX so that money would not be stolen from that too. I did not have a card nor ability to see my accoumt ending in XXXX since the beginning of XX/XX/XXXX!!!

Company response to consumer: Closed with explanation