Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
RE : XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : Presently I am long term unemployed ( $ XXXX/year from employment XXXX ), NO Transportation, threatened homeless, and SISTER PHONE XXXX. On XX/XX/XXXX, I walked into Citizen bank ( located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX ) and CLOSED OUT MY XXXX DEPOSIT CHECKING ACCOUNT NUMBER XXXX, after GETTING ALL MY CASH. 

I am writing because I did not receive any formal documentation stating closure of the account only a withdrawal receipt. In the past, I have walked into banks to close accounts only to find out years later the bank employees actions proved to be disingenuous and they DID NOT DO THEIR JOB AND HONOR THE ACCOUNT HOLDER/CUSTOMER 'S LEGAL REQUESTS AND CONCERNS. 

For example, in XX/XX/XXXX I walked into XXXX Bank ( located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX ) and closed out accounts with ZERO BALANCES, only to have the bank allow post-closure unauthorized activity leading to delinquent amounts which the bank subsequently charged off and ERRONEOUSLY ATTACHED TO MY GOOD NAME. XXXX bank then refused ME, XXXX, any information in reference to what was charged and who charged the delinquent amounts. I attempted to reason with XXXX bank employees to properly inquire about the account I CLOSED and STRONGLY ADVISED XXXX bank to provide the name of the person ( s ) responsible for unauthorized account activity and REMOVAL OF DELINQUENT ACCOUNTS IN MY NAME OUT OF CHEXSYSTEM to no avail. 

Again, once made aware of delinquent charged off amounts in My Name on XX/XX/XXXX, I walked into a local XXXX bank branch ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to discover the facts. Until XX/XX/XXXX, I had no knowledge of XXXX bank delinquent amounts. Again, on XX/XX/XXXX after discovering the information from a different bank Authority, and I walked into the XXXX bank XXXX bank branch on XX/XX/XXXX and XX/XX/XXXX to reason, clarify, and calmly resolve. I have contacted all phone numbers provided by XXXX bank to RESOLVE THEIR ACCIDENTS\MISTAKES ; however, XXXX bank 's resolution involves allowing CONTINUED UNAUTHORIZED ACTIVITY BY ALLOWING AN UNAUTHORIZED PAYMENT FOR AMOUNTS I DO NOT OWE AND REFUSING REMOVAL FROM THE CHEXSYSTEM. I have requested the name of the person ( s ) who ( XXXX ) allowed the unauthorized payment and ( XXXX ) person ( s ) who made the unauthorized payment. The bank refuses to disclose thot information WHICH IS ILLEGAL. In addition, to this day, XXXX bank has not made PAYMENT TO ME, XXXX XXXX XXXX, for XXXX XXXX certified bank checks ( check number XXXX {$210.00}, and check XXXX {$70.00} ). 

I WANT TO ENSURE THOT DOES NOT HAPPEN EVER AGAIN AND I WANT ALL MY MONEY. Please ensure Citizen bank account is properly closed out so NO DELINQUENT AND FRAUDULENT amounts from unauthorized access, XXXX are illegally charged off, and then attached to MY EXCELLENT NAME.

Company response to consumer: Closed with explanation