Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I, XXXX XXXX, requested to cancel this contract due to unfair, wrongful and disinformed sales practices by XXXX XXXX employees. On the date of XX/XX/year>, I attended one of XXXX XXXX presentation at one of the XXXX XXXX XXXX XXXX XXXX XXXX I was given an offer to sign up for a {$49000.00} vacation deal hotel stay and a vacation of one week in one of their resort. This money value is based on points purchase for time share in one of their resort. I declined this deal couple of times because it was expensive and I was financially unable to afford it. But I accepted it because I knew I would be able to cancel anytime, which was my intention to cancell it. The sales person was tactical forceful and pressured me to accept the second offer of about {$24000.00} with a down payment of {$6000.00} with a promise to cancell at anytime and keep a one week free stay at one of their resort. I did not have the money to finance my down payment. Up to this point during presentation there was no clear financing break down of the deal. Then, after 4hours of presentation with kids, I was taken into a another room to sign paper work with my wife and children and no mension of financing break down of the down payment and the remaining of the balance. Unfortunately, I did not revise the contract within few days while I was still in vacation. When I got home and called the office to cancell, I was denied because cancellation time has pased. This contract has two financing portions which is my personal account for downpayment, and the remaining portion is a joint account with my wife. There was not discussion on portioning this contract partial joint and another personal.My concern here is why the representative did not disclose the truth in lending act disclosure statement which had more information in making my decission based on the APR of 17.99 % and the gross purchase price of {$58000.00} which is higher than a previous offer of {$49000.00} which I declined in the first place?? why they hide this information? Therefore, when I looked into this contract, I believe I was misled to sign to a lower offer thinking I was getting a good affordable deal, but I was not and not be able to cancell at any time!! If this " Truth In Lending Act Disclosure Statement '' would have been disclosed to me I would have not taken this offer. I got into this deal because I was pressured to accept it by the sales person who was not truthful and honest. I conclude by asking to revoke this contract and be out of this contract because of unfair and wrongful sales practices by their employees. I hope you will consider deligently to resolve this matter. I have been in contact with them since XXXX through phone calls, emails, and letters without any response. This account has been reported to credit beraus and is affecting my credit report. There is an account with citizen bank in my credit report for the down payment under my name, but when I log in citizen pay the name is not mine is XXXX XXXX. So there is discrepancy in accounts names by this personal account. 
Yours Sincerely XXXX XXXX XXXX XXXX