Consumer complaint received 2018-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XX/XX/XXXX




The Honorable XXXX XXXX  Chair, Board of Governors of the Federal Reserve
Federal Reserve Board
XXXX XXXX XXXX XXXX XXXX, XXXX.
Washington, D.C. XXXX
&
XXXX XXXX XXXX, Chairman, President & CEO &                                                                     XXXX XXXX, Chairmans Office & Assistant Vice President XXXX XXXX
RBS Citizens Financial Group
XXXX XXXX XXXX XXXX, Rhode Island XXXX
(XXXX) XXXX XXXX


The Honorable XXXX XXXX, XX/XX/XXXX email to https//complaint.consumerfinance.gov/submit-a-complaint 
CEO XXXX XX/XX/XXXX & XXXX XXXX  Chairmans Office & Assistant Vice President XXXX XXXX, XX/XX/XXXX email to  XXXX & XXXX & XXXX
                         
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX   Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX   Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX   Submitted To CFPB XX/XX/XXXX
                         CFPB Complaint Number XXXX XXXX Submitted To CFPB XX/XX/XXXX 
                          CFPB Complaint Number XXXX Submitted To CFPB XX/XX/XXXX 
                          CFPB Complaint Number XXXX-                Submitted To CFPB XX/XX/XXXX



Dear The Honorable XXXX XXXX & CEO XXXX XXXX & XXXX XXXX & Assistant Vice President XXXX XXXX,

I present to you my 20th Complaint.   I petition you to thoroughly investigate for your priceless determinations of resolutions.  My XX/XX/XXXX 20th Citizens Bank Complaint is addressed in a statement.

Please discover I am truly deeply grateful to you for your important priceless attention.  I deeply look forward to discovering your Complaints determinations.  If you may have any questions I can answer for you during your deliberations, please dont hesitate to call me at (XXXX) XXXX XXXX or email me XXXX.

XXXX XXXX XX/XX/XXXX 20th  Complaint  Citizen Bank XX/XX/XXXX, Chairmans Office With XXXX, RI Citizens Bank Customer Relations Manager XXXX Have Acted Without Merit & Unreasonably Per Supervisor XXXX XX/XX/XXXX Statements On KXXXX XXXX XX/XX/XXXX  Reference # XXXX Calls To The Citizens Bank Home Equity Loan Department Importantly Giving Specific Authorization For A XX/XX/XXXX   $XXXX Autopay ONLY On XX/XX/XXXX For My Home Equity Loan Account XXXX WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT WITH CUSTOMER SERVICE SUPERVISOR XXXX XX/XX/XXXX FULL SUPPORT ALLOWING A NOT AUTHORIZED NOR GRANTED PERMISSION BY XX/XX/XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XX/XX/XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XX/XX/XXXX [XX/XX/XXXX $XX/XX/XXXX OVERDRAFT + XX/XX/XXXX $XX/XX/XXXX SERVICE CHARGE + XX/XX/XXXX $XX/XX/XXXX SERVICE CHARGE + XX/XX/XXXX $XX/XX/XXXX SERVICE CHARGE AND $XXXX OVERDRAFT] & NOT ALLOWING XXXX XXXX XX/XX/XXXX CLAIM BY XXXX, RI CUSTOMER SERVICE REPRESENTATIVE XXXX  WITH XXXX, CLAIMS DEPARTMENT STATEMENTS TO XXXX ON XX/XX/XXXX NOR ALLOWING XXXX XXXX XX/XX/XXXX CLAIM; THEREFORE, XXXX XXXX   CHAIRMANS OFFICE WITH XXXX, RI CUSTOMER SERCIVE SUPERVISOR XXXX   FREELY ALLOWED THEFT FROM XXXX OF $XXXX ON XX/XX/XXXX & THEFT OF OVERDRAFT & SERVICE CHARGE FEES TOTALING $XXXX FROM XX/XX/XXXX THROUGH XX/XX/XXXX WITH TWO XX/XX/XXXX CHARGES OF $XXXX SERVICE CHARGE BEFORE XXXX XXXX & $XXXX OVERDRAFT FEE AFTER XXXX XXXX XXXX XXXX freely believes the Citizens Bank XXXX XXXX, Chairmans Office and XXXX, RI Consumer Service Supervisor XXXX have acted without merit & unreasonably AND HAVE ACTED ILLEGALLY  STEALING FUNDS FROM XXXX XXXX when they freely chose to act to not honor XXXX XXXX XX/XX/XXXX call to Citizens Bank Home Equity Loan Department Agent XXXX for XXXX home equity loan account XXXX  XX/XX/XXXX $XXXX autopay on ONLY ON XX/XX/XXXX within the 15 day payment grace period given AND WITH XXXX XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT ALLOWING WITH XXXX, RI  CONSUMER FINANCE SUPERVISOR XXXX A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX   XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX  PUTTING XXXX XXXX   CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX   [XX/XX/XXXX $XXXX OVERDRAFT + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT] & THE XX/XX/XXXX REFUSAL BY XXXX XXXX, CHAIRMANS OFFICE WITH XXXX, RI CUSTOMER SERVICE SUPERVISOR XXXX TO ALLOW XXXX XXXX XX/XX/XXXX & XX/XX/XXXX CLAIMS WITH XXXX, CLAIMS DEPARTMENT, XX/XX/XXXX STATEMENTS TO XXXX; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE WITH XXXX, RI CUSTOMER SERVICE SUPERVISOR XXXX HAVE ACTED TO FREELY ILLEGALLY STEAL $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT.
.

XXXX XXXX supporting documentation the XXXX XXXX XX/XX/XXXX (XXXX) XXXX call XXXX had with Home Equity Loan Department Agent XXXX, Reference # XXXX, AND XXXX XXXX XX/XX/XXXX call from XXXX XXXX through XXXX XXXX  to Customer Service Representative XXXX transferred to XXXX, Claims Department &  XX/XX/XXXX call from XXXX XXXX To XXXX XXXX  to Claims Department XXXX  (XXXX) XXXX XXXX option 2  transferred to Customer Service Representative XXXX   transferred to Customer Service Supervisor XXXX,  both Citizens Bank recorded calls with truthful notes taken by XXXX XXXX.

XXXX XXXX XX/XX/XXXX Call To XXXX at Citizens Home Equity Loan Department
	 
	 
 


	
XX/XX/XXXX
At XXXX XXXX XXXX speaks with XXXX & importantly petitions XXXX   to Read XXXX & XXXX & XXXX & with these Reference #s add XXXX   XX/XX/XXXX note with a XX/XX/XXXX Reference #.
	XXXX requests of XXXX to please find & read three Reference  #s of XXXX calls:  1) XX/XX/XXXX call with XXXX, XXXX, 2) XX/XX/XXXX call with XXXX, XXXX  & 3) XX/XX/XXXX call with XXXX, XXXX.
	Furthermore, after reading the given important reference #s, XXXX petitions XXXX to write XXXX   XX/XX/XXXX statements involving her home equity loan XXXX autopayments with an assigned XX/XX/XXXX Reference #.
	XXXX finds & reads the three Reference #s XXXX offered.  XXXX requests of XXXX  if she is ready to write XXXX XX/XX/XXXX statement with a XX/XX/XXXX assigned Reference #.  XXXX answer is yes.
	XXXX XX/XX/XXXX statement:  1) XXXX importantly stated I would have Social Security available funds on XX/XX/XXXX for my home equity loan XXXX   XX/XX/XXXX $XXXX autopay in the Citizens Home Equity Loan Departments allowed 15 days to make an autopay with no penalty & no late fee & no charge of any kind.  XXXX does not know why the Citizens Bank Home Equity Loan Department acted to not collect XXXX XX/XX/XXXX $XXXX autopay on XX/XX/XXXX & even as of today, XX/XX/XXXX, said department has still not withdrawn XXXX   XX/XX/XXXX available XX/XX/XXXX $XXXX autopay, & 2) and for reserving XXXX XX/XX/XXXX Social Security funds for her Home Equity Loan XXXX  XX/XX/XXXX autopay, XXXX will have Social Security available funds on XX/XX/XXXX for said loans XX/XX/XXXX $XXXX autopay with no penalty & no late fee & no charge of any kind for this XX/XX/XXXX available funds autopay is in the Citizens Bank Home Equity Loan Department allowed 15 days to make an autopay.  XXXX then importantly notes to XXXX to please make sure the Citizens Bank Home Equity Loan Department actually takes XXXX available funds for her autopays for XXXX knows of no explanation why the Citizens Bank Home Equity Loan Department has not withdrawn XXXX available funds for her loans $XXXX autopays.
	XXXX notes to XXXX the Citizens Bank Home Equity Loan Department Consumer Finance staff are who XXXX needs to speak with.
	XXXX reply is the Consumer Finance staff in XX/XX/XXXX have always hung up the phone on XXXX not allowing XXXX  to speak with them.  Further, XXXX notes to XXXX Consumer Finance hung up calls with XXXX:  1) when XXXX was transferred to Consumer Finance by a Citizens Bank Home Equity Loan Customer Service Specialist, Consumer Finance just hung up the line when XXXX was waiting on the line & 2)  XXXX was having a reasonable conversation with a Consumer Finance Specialist, just like she was having with XXXX, & then suddenly the Consumer Finance Specialist just hung up the phone with XXXX.
	XXXX reply to XXXX XX/XX/XXXX Consumer Finance experiences:  Do our best to read notes & get you set.
	XXXX gave XXXX   her XX/XX/XXXX important Home Equity Loan XXXX statements XX/XX/XXXX Reference # XXXX.
	XXXX thanked XXXX very much.
	Later on XX/XX/XXXX when XXXX checked the status of her available XX/XX/XXXX $XXXX autopay, XXXX learned from the (XXXX) XXXX XXXX Citizens Bank staff her XX/XX/XXXX $XXXX autopay was collected by the Citizens Bank Home Equity Loan Department on XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX Call From XXXX XXXX XXXX XXXX To XXXX, RI Customer Service Representative XXXX With Transfer To XXXX, Claims Department & XX/XX/XXXX Call From XXXX XXXX XXXX  - XXXX XXXX To XXXX At Citizens Bank Claims Department With Transfer To XXXX, RI Customer Service Representative XXXX With Transfer To XXXX Citizens Bank Customer Service Supervisor XXXX.

XX/XX/XXXX XXXX XXXX   calls XXXX XXXX XXXX XXXX to Citizens Bank (XXXX) XXXX XXXX & Customer Service Representative XXXX & Claims Department Representative XXXX at (XXXX) XXXX - XXXX option 2.
Checks Posting:  # XXXX   $XXXX XX/XX/XXXX & # XXXX  $XXXX XX/XX/XXXX & # XXXX  $XXXX XX/XX/XXXX & # XXXX $XXXX   XX/XX/XXXX
Charges Without Merit to XXXX checking account XXXX:  XX/XX/XXXX $XXXX   overdraft & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX   internal bank debit = fee for sustained overdraft [XXXX] = $XXXX theft
XXXX stated to XXXX did she file a Claim & XXXX reply she emailed XXXX XXXX XXXX & XXXX XXXX   & spent just around 3 hours today speaking with XXXX & officials for XXXX  in which no one stated XXXX needs to file a Claim;
XXXX  petitions XXXX to file this Claim:  XX/XX/XXXX checking account XXXX balance $XXXX  = Check XXXX  $XXXX + Check XXXX $XXXX + Check XXXX   $XXXX + Check XXXX $XXXX + $XXXX balance cash = Citizens Bank & XXXX XXXX freely agreed with;  XX/XX/XXXX Citizens Bank withdrew $XXXX which they had no authorization or permission for & violating Federal banking & finance & consumer regulations from XXXX XXXX   giving XXXX checking account a negative balance of $XXXX for Check XXXX  $XXXX had not posted yet & for which Citizens Bank without merit and then Citizens Bank acted without merit violating Federal banking & finance & consumer regulations withdrawing the following charges & fees:  XX/XX/XXXXXXXX $XXXX  overdraft + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX internal bank debit = fee for suspained overdraft XXXX stated to XXXX  totaling $XXXX  theft from XXXX XXXX checking account XXXX
XXXX wrote XXXX   Claim & filed it to the Citizens Bank Claims Department by XXXX XXXX on XX/XX/XXXX then offering to XXXX she speak with the Claims Department to complete her Claim filing;
XXXX   then spoke with XXXX of the Claims Department & together they agreed with:  1. XXXX statement was not great, what he meant is the whole Claim will be worked by the Claims Department & when XXXX  filed XXXX Claim it was completed, 2) a new Claim takes up to 24 hours to be processed through, 3) once a new Claim is processed a Claim number will be assigned to it, 4) it can take up to 10 business days for a Claim working & now the Claims work is faster with 3  5 business days for Claim working to be finished, 4) with a finished Claim working a refund will be deposited into XXXX checking account XXXX, 5) XXXX XXXX refund is the Claim amount of $XXXX & all charges & fees[XX/XX/XXXX $XXXX overdraft & XX/XX/XXXX $XXXX service charge & XX/XX/XXXX $XXXX   service charge & XX/XX/XXXX $XXXX service charge] related to the XX/XX/XXXX $XXXX charge which XXXX stated will be next Tuesday XX/XX/XXXX , & 6) XXXX new Claim will be processed overnight & by XX/XX/XXXX XXXX XXXX XXXX XXXX can call the Claims Department to get the Claim number assigned to her Claim; Claim Departments phone number is (XXXX) XXXX XXXX option 2.  XXXX thanked XXXX for her important detailed Claim information for XXXX & their call was finished at XXXX XXXX.        


XX/XX/XXXX XXXX XXXX calls XXXX XXXX to Citizens Bank Claims Department Representative XX/XX/XXXXat (XXXX) XXXX  - XXXX option 2, followed by Citizens Bank (XXXX) XXXX XXXX Customer Service Representative XXXX & XXXX Supervisor XXXX ending at XXXX XXXX XXXX XXXX spoke with XXXX petitioning to learn the XXXX XXXX Claim number XXXX   stated to XXXX  on XX/XX/XXXX would be processed byXXXX XXXX XXXX on XX/XX/XXXX; XXXX   states to XXXX  she cannot find the XX/XX/XXXX Claim & XXXX petitions XXXX to add the second Citizens Bank XX/XX/XXXX fee of $XXXX overdraft, done late the afternoon of XX/XX/XXXX for it was not there at XXXX XXXX with XXXX answer it could not be added to the XX/XX/XXXX Claim & XXXX should file a new Claim for it & XXXX replied she would,  & after looking to find XXXX to have XXXX  state to XXXX what XXXX stated to XXXX  on XX/XX/XXXX, XXXX came back to XXXX she does not know where she is & she has found no XX/XX/XXXX Claim #;
XXXX then petitions XXXX  to transfer her to Customer Service to have XXXX find the Claim he filed for XXXX at XXXX XXXX on XX/XX/XXXX & add a claim for the late XX/XX/XXXX $XXXX  overdraft fee, a 2nd fee by Citizens Bank on XX/XX/XXXX; 
XXXX   speaks with XXXX, Customer Service Representative, stating to XXXX XXXX is calling about the XX/XX/XXXX Claim he filed for her at XXXX XXXX& XXXX highlighted her XX/XX/XXXX Claim:  XX/XX/XXXX checking account XXXX balance $XXXX  = Check XXXX $XXXX + Check XXXX   $XXXX + Check XXXX $XXXX + Check XXXX $XXXX + $XXXX balance cash = Citizens Bank & XXXX   XXXX freely agreed with;  XX/XX/XXXX Citizens Bank withdrew $XXXX which they had no authorization or permission for & violating Federal banking & finance & consumer regulations from XXXX XXXX giving XXXX checking account a negative balance of $XXXX  for Check XXXX   $XXXX  had not posted yet & for which Citizens Bank without merit and then Citizens Bank acted without merit violating Federal banking & finance & consumer regulations withdrawing the following charges & fees:  XX/XX/XXXX $XXXX overdraft + XX/XX/XXXX $XXXX service charge + XX/XX/XXXX $XXXX  service charge + XX/XX/XXXX $XXXX internal bank debit = fee for sustained overdraft XXXX stated to XXXX totaling $XXXX theft from XXXX XXXX checking account XXXX & offered to XXXX Claims Department XXXX  just stated to XXXX XXXX cannot find his filed XX/XX/XXXX Claim & because Citizens Bank late on XX/XX/XXXX added a second fee of $XXXX overdraft creating a grand total of $XXXX XXXX  is petitioning XXXX to file a new Claim of XX/XX/XXXX equaling the XX/XX/XXXX Claim with the addition of the second XX/XX/XXXX Citizens Bank fee of $XXXX  overdraft;  XXXX stated to XXXX he wanted to check with his Supervisor to make sure XXXX knew how to correctly file the new Claim & when XXXX came back to XXXX XXXX stated his Supervisor XXXX  stated a Claim could not be filed for XXXX is working on it; XXXX   asked XXXX who XXXX  is for XXXX has never gotten a call or email or letter from XXXX & XXXX reply XXXX is in the Chairmans Office & he is getting XXXX for me to state to me what is going on;
Supervisor XXXX speaks with XXXX stating XXXX is working on it so a Claim cannot be filed & stunned XXXX states to XXXX XXXX did not give permission or instructions for Citizens Bank to withdraw $XXXX on XX/XX/XXXX & this theft with the total theft of $XXXX in overdraft & services charges from XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX are all violations of Federal banking & finance & consumer regulations XXXX learned from her Uncle, the youngest XXXX XXXX XXXX of the XXXX XXXX XXXX in its history & XXXX freely stated to XXXX on XX/XX/XXXX just after XXXX XXXX should file a Claim & just after XXXX XXXX XXXX, Claims Department, stated to XXXX by next Tuesday XXXX will have refunded the $XXXX & all of the overdraft & service charge fees of $XXXX;
Supervisor XXXX  then freely stated to XXXX  for XXXX in the Chairmans Office is working on it & the $XXXX was a Citizens Bank transfer of funds to a loan there could be no Claim:  XXXX then asked Supervisor XXXX a number of detailed questions:  1) Assistant Vice President XXXX XXXX had his checking account funds transferred in full by a FBI investigated theft action & Citizens Bank fully supported Assistant Vice President XXXX   XXXX Claim of his checking account theft = Citizens Bank DID ALLOW A FILED CLAIM OF FUNDS TRANSFER & Supervisor XXXX stated to XXXX  yes Citizens Bank does allow Claims of funds transfer & 2) when Citizens Bank customers have their checking account & debit card information stolen & wrongfully used by someone transferring checking account funds & said customers act to file Citizens Bank Claims are said Claims allowed by Citizens Bank & Supervisor XXXX  reply to XXXX is Yes;
XXXX then importantly notes to Supervisor XXXX XXXX does not know XXXX  & since XX/XX/XXXX XXXX has filed 18 Complaints to the Federal Reserve & CFPB & through this XXXX has never called or emailed or written to XXXX stating XXXX was working on it or any statements;
XXXX then formally petitions Supervisor XXXX to file a XX/XX/XXXX Claim with XXXX detailed Claim information given to XXXX  on XX/XX/XXXX & XXXX   Claims Department on XX/XX/XXXX & XXXX  Claims Department on XX/XX/XXXX & Supervisor XXXX direct answer is NO to XXXX;
XXXX then petitions Supervisor XXXX  to give her XXXX   name & email:  XXXX XXXX, XXXX & she works in the Charimans Office;
XXXX THEN STATES TO SUPERVISOR XXXX XXXX & HE HAVE VIOLATED FEDERAL BANKING & FINANCE & CONSUMER REGULATIONS BY THEIR ACTS & XX/XX/XXXX XXXX CLAIMS DEPARTMENT STATED TO XXXX BY NEXT TUESDAY XXXX  WOULD HAVE REFUNDED THE $XXXX & THE FULL $XXXX OVERDRAFT & SERVICE CHARGES & XXXX FREELY BELIEVES CITIZENS BANK HAS ACTED CAUSING A THEFT OF A TOTAL OF $XXXX OVERDRAFT & SERVICE CHARGES & $XXXX XXXX   XXXX NEVER AUTHORIZED OR GAVE PERMISSION FOR A XX/XX/XXXX WITHDRAW FROM HER CHECKING ACCOUNT THUS XXXX WAS FILING TWO MORE FEDERAL RESERVE CFPB COMPLAINTS STATING XXXX XXXX & SUPERVISOR XXXX   UNREASONABLE ACTIONS;
Supervisor XXXX  final statement to XXXX was he was immediately emailing XXXX with the XX/XX/XXXX matters & XXXX  will be hearing from XXXX. 


XXXX   XXXX  Offers This Bottom-line:  XXXX XXXX Freely Believes Citizens Bank Has Violated Federal Banking  & Finance & Consumer Regulations For All Of The Above Documented Issues.  XXXX XXXX Freely Believes Federal Banking & Finance & Consumer Regulations Do Not Allow XXXX XXXX, Chairmans office with XXXX, RI Customer Service Supervisor XXXX To Have Acted Without Merit & Unreasonably & With Theft When They Did Not Act On XXXX XXXX   XX/XX/XXXX  Reference # XXXX Call To The Citizens Bank Home Equity Loan Department Importantly Giving Authorization ONLY For A XX/XX/XXXX $XXXX Autopay ONLY On XX/XX/XXXX For My Home Equity Loan Account XXXX AND WITH XXXX   XXXX, CHAIRMANS OFFICE, FINAL WORK ON IT WITH CUSTOMER SERVICE SUPERVISOR XXXX  ALLOWING A NOT AUTHORIZED NOR GRANTED PERMISSION BY XXXX XXXX FOR A XX/XX/XXXX WITHDRAW OF $XXXX  PUTTING XXXX XXXX CHECKING ACCOUNT INTO A NEGATIVE BALANCE WITH XXXX   XXXX, CHAIRMANS OFFICE ALLOWED WITHOUT MERIT OVERDRAFT & SERVICE CHARGES TOTALING $XXXX [XX/XX/XXXX $XXXX  OVERDRAFT + XX/XX/XXXX $XXXX  SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE + XX/XX/XXXX $XXXX SERVICE CHARGE AND $XXXX OVERDRAFT] & NOT ALLOWING XXXX XXXX XX/XX/XXXX & XX/XX/XXXX CLAIMS & NOT ALLOWING XXXX, CLAIMS DEPARTMENT, STATEMENTS TO XXXX  ON XX/XX/XXXX ; XXXX XXXX BELIEVES XXXX XXXX, CHAIRMANS OFFICE XXXX, RI CUSTOMER SERVICE SUPERVISOR XXXX HAVE ACTED TO FREELY ILLEGALLY STEAL  $XXXX & A TOTAL OF $XXXX IN WITHOUT MERIT OVERDRAFT & SERVICE CHARGES FROM XXXX XXXX CHECKING ACCOUNT.


I wish to take the opportunity to thank you very much for your important priceless work reading my XX/XX/XXXX  20th  Complaint.   I await your replies.

Sincerely,
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX
(XXXX) XXXX XXXX
XXXX