Consumer complaint received 2017-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted complaints since XXXX and nothing has been done and at one point someone called me but no one answered me calling back over 5 times and -now 24 hours later, as usual- I think they figure I will get tired of paperwork and I will report it to the news channels and the President of the United States if I do not get satisfaction!? Yesterday- after filing a complaint due to more issues - no one answers my phone calls and I got a letter for a claim that I did not even submit denying it and wasting my life for which there is NO PRICETAG??? I think that Citizens Bank wants me to get tired and give up but I will not!!! The Fraud Department is a " Ghost Job '' ( I can say with confidence! ) and XXXX ( a bank representative ) informed me that it is too much money to make transfers and that is a lie it is free! That was the reason he gave ME YEARS AGO FOR HAVING TO CLOSE THE opened account to deposit a fraudulent check from XXXX XXXX XXXX for a claim I NEVER made ( and I sat with XXXX for over an hour asking him if any large amount was deposited as I never got the Life Insurance from XXXX and he told me NO YET THERE WAS -- the {$2300.00} for which I aforementioned? on XX/XX/XXXX - the day I was in XXXX XXXX XXXX with an ex-colleague/friend filing to become XXXX to my recently deceased mother, XXXX XXXX DOD XX/XX/XXXX. XXXX told me he closed One Circle Gold -- checking account I believe it was called? ) over five ( 5 ) years ago. Yet, on XX/XX/XXXX, upon entering bank on XXXX XXXX, I was told by XXXX that I will not be charged the {$8.00} overdraft fee which is when I saw the ( what I thought XXXX closed over five years ago? ) on XXXX 's computer screen transferring HUNDREDS of DOLLARS A DAY -which I saw only briefly?! I asked to please keep the visual of what was going on in my name XXXXOPEN so I can see and IT WAS NOT -- THE ACCOUNT IN MY NAME disappeared as surprisingly it appeared?! XXXX practically jumped out of his seat -when he apparently overheard from 2 cubicles away from where i was sitting! ) and swiftly walked to XXXX 's cubicle stating, " I remember closing that account but I do n't remember why ...! ''!?! The GAMES BEGAN THEN AND THEREAFTER TO THIS POINT!!!!! I attempted filing claims amicably but on 1 occasion, XXXX yelled at me telling ( necessitating the guard to come over to see if I was ok and XXXX shoul	ed, " I can close your account right now XXXX XXXX IF I WANT TO ''!? At that point, i stood upo and while backing up out of his cubicle I stated quietly ( as I now recall being shocked over the entire situation )., " ... I bet you can.. ''!!! ( saying my name wrong as he knew me for over 20 years ) XXXX also told me thag there is only 1 way he can report it and that is -Debit fraud. I told him XXXX, XXXX XXXX, XXXX XXXX, and many other places but, he only put in for XXXX - XXXX in XXXX for which I did get credited in the amount of {$78.00} in XXXX or within 4- 6 weeks from XX/XX/XXXX???! Now, I am treated like a criminal at both banks ( located in my vicinity ) and they even took away my debit card yesterday, XX/XX/XXXX, + I can NOT see what is going on with my HELOC as I never have?? ) and refused my access to checking account where my Pension gets directly deposited and also my social security which has been deposited there for over 20 YEARS!!! -- Even while working as a XXXX XXXX Teacher I had the same bank. My check was directly deposited. I must be able to see my money and not be treated like a criminal as aforementioned. I had no complaints until my world collapsed and I learned that people/vultures attack someone who just lost their thinking perhaps they are so vulnerable that XXXX will not notice -- I was advised!!!!! XXXX has been transferred ( since the date of the yelling incident ) out and yesterday the bank rep at XXXX XXXX XXXX XXXX, XXXX, PA XXXX branch ( he was respectful though and just following orders ) took away my debit card as aforementioned. Although, only on a few RARE occasions have I even used the card which ( by the way ) is the SEVENTH CARD in a couple months and they take 5 - 10 business days for me to receive and purchases are made -SOMEHOW- even when card is NOT IN MY POSSESSION- which is proof in itself there is cyber fraud of some sort??? I am NOT on Citizens Bank 's payroll but I have been doing the job of whoever is getting paid to the Fraud Department. No one ever once contacted me?! Even the stores that I patron are asking me why I have been using cash almost the whole summer yet the Fraud department has not noticed that I never before ran i.e. in and out of XXXX several times/day over the course of XXXX years???. EVEN On XX/XX/XXXX, I saw that somehow ( according to bank statements ) went to the XXXX store 2 - 3 times after my visit to that store at approximately as My friend, XXXX XXXX and I were en route to XXXX XXXX XXXX to XXXX, XXXX XXXX Florida in a cab! I later ( a few months ) I submitted a claim but the bank decided that I could be in 2 PLACES SIMULTANEOUSLY AND I NEVER GOT THAT MONEY for 2 subsequent visits to the XXXX while in a cab ...??? XX/XX/XXXX??? Now it has been going on for 8 MONTHS AND THE BANK REPS ARE TELLING ME THAT I WILL NOT GET ANYTHING BACK DUE TO DUPLICATE CLAIMS???? If my money was secure and I received compensation for stolen money, I would NOT be continuing to submit claims. Pleases help me as I sat in XXXX XXXX insurance company ( office on XXXX XXXX ) with XXXX and she did NOT find any claim which the ( so called fraud department never noticed a dead account? ) with a fraudulent check? I deposited on the date I know where I was?!?! Therefore, I conclude NO FRAUD DEPARTMENT WITH CONFIDENCE!!! My mortgage is with Citizens Bank!!!!!!! Never late the entire time since XX/XX/XXXX!!!! Yet, as stated in yesterday 's complaint, Citizens Bank put me as BAD payee costing me THOUSAND OF DOLLARS IN HIGH INTEREST FOR MANY THINGS INCLUDING ( but not the limited to ) my home insurance, car insurance + and prior car ensuring my XXXX XXXX which is based on a credit score as you know. This new complaint is because of my debit card taken from me and getting 1 phoner call and considering that a follow up as has been done several times over the past 8 months and I am tired of going to and from the bank and on the pohone all odf this irme fora a credir that does not even appear but NOW i have no ability to see ++ I aml negative {$480.00} approximately for none other than overdrafts ... I find quite humorous if not MY REALITY. PLEASE HELP ME

Company response to consumer: Closed with explanation