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

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