Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

Thank CIT Bank for the letter they replied on XXXX XX/XX/XXXX. The reference case number Consumer Financial Protection Bureau XXXX XXXX XXXX. 

I read the letter CIT bank replied on XXXX XX/XX/XXXX. I have some different opinions, I had tried to contact them at this phone number show on the letter, but the result is the waiting time over XXXX hour or the line just dropped. I can not ever contact to CIT Bank through this phone line. That is why I write this letter to CFPB, again. 

I have had use XXXXXXXX XXXX bill pay service since year XXXX. I am used to make online payment to my XXXX  monthly assessment fee. It is always successful and no worry at all. 

Base on the letter you sent on XXXX, you stated there is a possibility the check was mis routed or sent to an incorrect XXXX XXXX XXXX this could be a postal service error. I do not agree your statement. In a year, that adds up to more than XXXX XXXX mail items sent through the XXXX. The most of that mail will arrive safely to its intended destination. 

According to the letter on XXXX from the investigation of the XXXX XXXX, my bill payment for {$280.00} that was sent on XX/XX/XXXX. This payment was sent as a paper check, and it had an expected delivery date by XX/XX/XXXX. Paper checks can be lost by mail, or returned, due to different circumstances. In this instance, the check was returned to the XXXX XXXX  and not cashed. ( See attachment XXXX ). So, it means the Check was not lost by XXXX. A very small fraction of XXXX XXXX  of the checks are missing. There are three-tenths of XXXX percent, the checks are lost or stolen, according to the Treasury Department XXXX On the other hand, there is a possibility that the check had been delivered to your XXXX XXXX XXXX your employees pick it up from XXXX XXXX XXXX but lost or something happened can not expected on the way to your bank, or due to your mailbox was full and XXXX stopped delivering mail to your XXXX XXXX XXXX so the mail need to return to the sender. 

I contacted XXXX XXXX XXXX XXXX a few times to explain this situation. XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. This unfairness had made my wallet pocket get worse and worse. XXXX XXXX XXXX XXXX take advantage of this to threat the resident and neighborhood not in good faith to the community. 

I believe what I stated on the above let you understand the situation is unjustness. I am going to ask CFPB to help me, please. Because this situation is unfairness. The CIT bank should take this responsibility to make a correction. The payment check had been sent out. But XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00}, the total {$63.00} to my XXXX account ( See attachment XXXX ). Can you believe that the {$63.00} I can feed my family with XXXX days meals. Could you CFPB please make CIT Bank to take this responsibility. This is an unfair situation. The XXXX wont give me a break, they enforce the late fee and interest to me, you know the inflation make our life tough than ever before.