Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank has ignored my demands to rescind the fraudulent contract, my affidavit of fact, my gap audit and debt validation request, and my cease and desist demands. I have opted out of their reporting and demanded that they stop furnishing any and all information to my consumer profile yet they continue to report fraudulent, inaccurate, invalid, negative, and excluded information to at least three 3rd party, non affiliated consumer reporting agencies.

I have disputed the debt in its entirety and demanded Citizens Bank cease and desist all debt collection attempts until XXXX XXXX XXXX XXXXXXXX DBA XXXX XXXXXXXX or Citizens Bank NA provides me of debt validation as requested. I also demanded they cease all communication with me except via US Mail, yet they continue collection attempts, to communicate with me through consumer reporting, and illegally and unlawfully report my private and personal information to my consumer profiles.

Citizens Bank has inaccurately furnished a multitude of varying late payment remarks allegedly occurring from XX/XX/XXXX through XX/XX/XXXX on my XXXX, and XXXX consumer reports and varying degrees of late payments from XX/XX/XXXX through XX/XX/XXXX on my XXXX  consumer profile without providing or meeting the Fair Credit Billing act requirements. They aren't even reporting accurately because their reporting differs from report to report. They are furnishing my private, personal, and excluded information onto my consumer profiles despite my demands for them to cease and remove all reporting. 

My identity was stolen and used to initiate this consumer credit transaction and I have been trying to correct this wrongdoing and defend my financial reputation ever since I entered the XXXX XXXX XXXX XXXX XXXX XXXX. 

On Sunday XXXX XXXX, XXXX, I went into XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXXXXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX browsing for a vehicle. My business partner and I were met upon arrival by XXXX XXXX. I explained to him that my business partner and I were in search of a company vehicle. XXXX XXXX stated he needed my contact information for the file. He then asked for my credit card information ( Social Security Number ), to put in the system to get a head start, in the event we found a vehicle we liked while there. It was then emphasized to XXXX XXXX, that the transaction would be a corporate purchase under an LLC, and I did not want my personal/credit information to be furnished.

After repeatedly insisting I did not want my personal information to be accessed, I was reassured by him repeatedly stating, he would not and did not have to access my credit information. At that point, I provided the requested information, my social security number, EIN, and business credit card. The demand was again made to not pull/attempt to pull, access/furnish my credit score/report in any way. He then left my business partner and I to, what I thought was proactively enter the information in the system. Upon his return he stated to me, Theres no money on the card. I told him, he wasnt supposed to process the card. I was upset about him attempting to move forward with the transaction so my business partner and I left. 

I received a call from XXXX XXXX the following day XX/XX/XXXX, asking if I was coming in for the truck I looked at. I asked him if he ran my credit and he lied, telling me, no. I told him that I checked and saw that he did. He replied, " It was just a little pull ''. I was violated and furious.

My credit score was reduced from that consumer credit transaction/unauthorized EFT and multiple inquiries. I told him I was busy working and could not come in all week. He told me to send in my business partner to get the ball rolling. I intended to visit other dealerships and continue with the vehicle search but was reluctant to, due of the apprehension of this similar situation occurring at another dealership. I felt forced to move forward with XXXX XXXX because they already had in their possession, accessed, utilized my consumer credit information, and had unwanted inquiries reflecting onto consumer profile. 

A XXXX XXXX XXXX contacted my business partner XX/XX/XXXX and they relayed my upset, our mutual dissatisfaction with the conduct of our sales representative, and our refusal to continue working with XXXX XXXX. 

A XX/XX/XXXX appointment was scheduled at that time. When my business partner arrived, XXXX told them I was a " Shoe-in '' and that my interest rate was going to be 5 %, violating my Privacy by sharing my personal transactions and experiences with my business partner. My business partner was then told to bring me in to sign for the truck and dismissed complicating the business relationship between my partner and I.

My information was obtained and shared by unfair and unconscionable means. 

Upon our arrival, XX/XX/XXXX I was blindsided by what I discovered took place. I was made aware by XXXX XXXX that XXXX XXXX had documented the cost of the vehicle as significantly more than the price discussed. XXXX XXXX also stated there was never a business application on file, despite my requests for a corporate sale. I did not decide on a vehicle so there should have been no application on file at all.

I did not request, fill or consent to any application to furnish or utilize any of my consumer credit information. 

XXXX XXXX committed fraud against me, accessing and utilizing my consumer credit information to perform a consumer credit transaction on my behalf, against my wishes, without my knowledge or consent, and for his own personal gain ( commission ).

My consumer credit was involuntarily and fraudulently extended with the fraudulent actions made by the associates of XXXX XXXX XXXX XXXXXXXX DBA XXXX XXXX and not extended back to me, the consumer in this consumer credit transaction. 

I, XXXX XXXX, a natural person, originated the credit that was stolen from me. It was supposed to be extended back to me and it was not. 

XXXX XXXX used the information from my credit card ( SSN ) and fraudulently/illegally performed a consumer credit transaction against my wishes and without my consent. 

XXXX XXXX and Citizens Bank manipulated and forced me into a fraudulent contract. The finance charge is not equal to the sum of all charges payable directly or indirectly by me, XXXX XXXX, the natural person to whom the credit was extended. XXXX XXXX XXXX XXXX XXXX violated the Truth in Lending Act by recording an inaccurate finance charge of {$13000.00} and not the actual finance charge that should total XXXX XXXX interest, the amount of the credit that was extended to me.

The finance charge in any consumer credit transaction is the sum of all charges as an incident to the extension of credit. There should have been no cash exchanged in the extension of credit in this consumer credit transaction. I had no intension on making the purchase, I did not have the money to make the down payment on the vehicle. I did not agree to or was made aware of a cash down payment requirement in the amount of {$5000.00}.

I was so embarrassed and felt so violated, my business partner and I did not know what to do because the credit was
already extended and reflecting on my consumer profile. So my partner ended up paying 80 % of the down payment with their own funds, on my behalf to obtain the vehicle. This violation caused damage and hardship, ruining my reputation with my business partners, colleagues, and associates.

Interest was not included with the finance charge. Services or carrying charge, was not included with finance charge. 

In fact, none of these, XXXX XXXX  other aftermarkets, XXXX XXXXXXXX vehicle warranty, XXXX XXXXXXXXsales tax, XXXX XXXXXXXX license and title, XXXX XXXXXXXX inspection fee, XXXX XXXXXXXX XXXX  processing fee, {$6300.00} XXXX  fee, {$3900.00} XXXX maintenance fee, XXXX XXXXXXXX charge

s paid to others on my behalf, loss prevention auto insurance was included with the finance charge The Fair Debt Collection Practices Act is intended to secure my right to privacy and protect me from abusive debt collection practices. My rights were completely violated from the beginning of the transaction to the present day almost 4 years later. My privacy has been breached and the inaccurate reporting to the consumer profile is a direct violation, damaging the reputation and creating adverse reactions to me, the consumer. The removal of your reporting from my consumer report will ensure restoration of my reputation and cease any additional harm to my person/well being. 

I have sent both, XXXXXXXX XXXX XXXX XXXXXXXX and Citizens Bank NA an Affidavit of Fact, Notice of Rescission / Notice to Cancel Sale, Revocation of Power of Attorney, 2 Notice of Disputes, Debt Validation Demands, and Cease and Desist demands but they continue to ignore my demands and disputes.

Company response to consumer: Closed with explanation