Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I applied for a {$20000.00} personal loan from XXXX XXXX who represented herself as XXXX XXXX of XXXX XXXX XXXX XXXX. At onset of these transactions I was not aware that I was conducting business with XXXX XXXX. The address of the company is XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX GA, XXXX. The phone number for XXXX XXXX is ( XXXX ) XXXX. The loan was approved on XX/XX/XXXX. I signed the contract on XX/XX/XXXX to get a {$20000.00} personal loan with the terms to pay a 5 % down payment of {$1000.00}. The monthly repayment term was to make 24 interest payments of {$83.00} plus a final balloon payment of {$20000.00}. The contract was signed on XX/XX/2019. There were no additional fees or charges contained within the contract. I sent {$1000.00} deposit on XX/XX/XXXX to the following account details : Account Name : XXXX XXXX Bank Name : XXXX XXXX  Account # ( will disclose if needed for this complaint ) XXXX Bank address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 
Address : XXXX XXXX XXXX XXXX  XXXX, XXXX GA XXXX. ( This is her apartment address previously not known ) I was in constant communication with XXXX XXXX via text patiently waiting for the {$1000.00} to clear my bank account. The money cleared my account on XX/XX/XXXX. After she received the {$1000.00} deposit. I was asked via text to check my email on XX/XX/XXXX. In the email, I was asked to send an additional {$1500.00} to insure the loan. This was not included in the original contract. I didn't have any additional money to send. l thought I had to take this as a loss. I explained, had I known I would have to come up with an additional {$1500.00} to get the loan insured, I would have never applied. She then attempted reassure me of how my loan was awaiting to be processed and she wanted to work with me and fund my projects. She proceeded to ask me for different amounts of money {$500.00}, then {$300.00} to have money for the loan sent from XXXX XXXX. At this point I lost trust in this person and this company. I decided to contact my bank Citizens Bank to get a refund because although I approved a wire transfer of {$1000.00} it was for a good or service in return that I did not to receive to date. On XX/XX/XXXX, I contacted my bank for a {$1000.00} reimbursement and after my case was reviewed it was denied because they said I signed a contract. I did not authorize a fraudrulent transaction where I pay for a service or good and get nothing in return. Also, additional details and fees were not disclosed in the contract I signed. I never received the loan. The contract was broken. XXXX XXXX via text asked if I like to proceed with a loan termination that would cost {$300.00} dollars. On XX/XX/XXXX, I asked for a termination contract for {$300.00} so I can sign it and get my refund, I kept contacting her about sending me a termination contract up until XX/XX/XXXX and all she kept say was she was waiting for her lawyer to come back from vacation. To date, I have not received my refund or heard anything from XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX, XXXX. I believe this transaction was a scam and this is fraudrulent. I followed my end of the agreement and have not receive the promised loan in return for my {$1000.00} deposit. There were no terms in the contract that mention a fee to insure the loan or a cancellation fee. I was advised without an insurance payment no loan would be issued. I just want to be reimbursed {$1000.00} dollars. I warned her, if I didn't get my money back, I was reporting XXXX XXXX XXXX, XXXX and XXXX XXXX also better known as " Its Was Always XXXX '' listed on ( XXXX, XXXX, XXXX  XXXX & XXXX ) to Federal Trade Commission, XXXX  and the Attorney General of Georgia.

Company response to consumer: Closed with explanation