I got a HELOC from Citizen 's Bank but was never late on any payment as I had Citizen 's Bank Automatically withdraw payments from the inception and not as stated in a letter from the Office of the Chairman namely XXXX XXXX on XXXX XXXX, XXXX. As a result of the aforementioned outright lies and deceit attempting to ruin my chances of obtaining another mortgage lender thereby RUINING MY CREDIT which XXXX XXXX states in paragraph 3 of her letter from the Office of the Chairman dated XXXX XXXX, XXXX. I did NOT enroll on XXXX XXXX, XXXX as stated in aforementioned letter as I know that it was automatically coming out from the onset but as I disputed in yet another Claim to the CFPB, they LIE, STEAL, DECEIVE AND DEFRAUD their bankers as I know at least five ( 5 ) people who have horror stories about Citizen 's Bank stealing their money as well. 
Fortunately for me, I stand up for what is right and I would not be going through all of this I.E., TYPING, RESEARCHING AND filing claims if he Bank was acting in accordance with the Laws which govern the State of Pennsylvania.
Also, in paragraph 3 they are LIEING which is NOT following The Fair Credit Reporting Act ( FCRA ),. Therefore, I infer that Citizen 's Bank feels their Institution is above the law?! the Bank MUST THINK THEY ARE ABOVE THE LAW as the letter stating that the information in said paragraph 3 is a lie as is the reporting of NON PAYMENT TO the Credit bureau is NOT the truth!!! It is also the Laws of Pennsylvania that I see on my end what is happening with my finances on the Bank 's end. I have NEVER received any statement regarding THE since the inception of the HELOC TO THIS DATE!!?!?!! I DID NOT EVEN KNOW THE ACCOUNT # ENDED IN XXXX!!!!!? Which is further proof of the fact that Citizen 's does NOT follow the laws governing the Commonwealth of Pensylvania!!!!! The FALSE REPORTING OF MY late-payments ruined my credit causing me hundreds of thousands of dollars due to the ripple effect creating high interest in nearly every aspect of MY life namely, most recent, my car insurance and my interest rate on my car!!! 
I paid off my school loans, XXXX XXXX, a loan with XXXX in the amoiunt of {$6000.00} on time in full and every bill. ( evidence of which will be produced upon request ) Citizen 's Bank refuses to provide the address of the HELOC, which I infer their next plan is to TAKE MY HOUSE DUE TO THE DECEIPT AND LIES WHICH THE bank continues doing even in their response to the CFPB. Money grubbing, greedy practices which, if I have anything to do with, should cause the laws that govern the State of Pennsylvania to insist the Bank close their doors to Banking!!!!! 
Most every paragraph in the aforementioned letter is total lies and deception in an inferred attempt of me getting tired of filing Complaints but I will not as my recently XXXX XXXX  TAUGHT ME DIGNITY, STANDING UP FOR WHAT I BELIEVE IN AND KNOW THE TRUTH AND INTEGRITY WHICH CITIZEN 'S BANK obviously knows nothing about any honorable attribute!!!! 
The reporting of my late payments ARE LIES AS Automatic Withdraw was nor set up on XXXX XXXX, XXXX, as stated on XXXX XXXX, XXXX, from XXXX XXXX of the Office of the Chairman. It was set up at the inception of same and I have nt ever seen a single statement whatsoever to even know how much and if their subtraction is correct in all my payments every month of approximately {$25.00} several times/month!!! The FCRA requires I see what is going on on my end what is happening on the Bank 's end with regard to my financial concerns combined with the DAMAGE THE LIES HAVE CREATED DIN MY LIFE CAUSING ME MUCH MENTAL ANGUISH AND COSTING ME hundreds of thousands in high yield interest due to the lies attempting to deceive not only me but rh= Commonwealth of Pennsylvania and the CFPB!!!!!