Consumer complaint received 2019-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello, XXXX from Citizens Bank in XXXX MA called me to set up an appointment to meet with her.She was to open a couple of accounts for me, using a promotion I had been mailed.This promo invite was very specific to me, personalized & designed to lure my larger funds back into their banking establishment.Everything on it was targeted & addressed to me, as they knew I had the kind of cash to bring over with an offer this large.It was A LOT of trouble for me to go through, I suffered a XXXX  XXXX   and can not drive.So traveling to my other banks to bring the funds over, was definitely going out of my way.The set up direct deposit, also a hassle, along with the amount of money that must be maintained.Most people couldn't fulfill all such requirements, but I liked XXXX and she knew exactly how to get these accounts set up! She also had a plan for when I was to bring the bigger of my money over, in a couple of months times.For now, the plan was to do the minimal required to qualify for the promo bonus mailed specifically to me just like an invitation.I had to go through so much trouble, called running late and was told XXXX was not even in.I immediately felt troubled, as I am walking around with an {$18000.00}. check in my hands in downtown.I said that I am coming and getting this done because I was advised by XXXX to bring a check of at least {$15000.00}, ID., and that I didn't even need the promo.I wanted to get this check deposited immediately, safe & sound.I was  waiting for a bus, and told XXXX who answered at the bank, my phone provider has had problems and I can not waste minutes on the call but that I was just needing to let XXXX know that I was on my way to meet with her, as planned.I got a bad feeling with this XXXX over the phone, so proceeded but with reserve.Honestly, when you get that feeling with someone, BELIEVE IT. I showed up about half hour later, and XXXX was there no other costumers, sitting at a desk.She greeted me, and again BAD FEELING IN MY GUT. I have XXXX good intuition because as it turned out, she never had any intention of honoring the promotion I was specially given, but was eager to take my check!!!!!!!!! She asked for it suspiciously, just to ''look '' over it!!!!!! I have opened many of bank accounts in my day and the only time a check is asked for is when it's going into the account!!!!!!! She was extraordinarily false to me, telling me some story about how XXXX XXXX XXXX sold her mortgage from under her, all the while she is in cahoots to try and do ANYTHING into preventing me this bonus!!!! Total DEVIANT, SNEAK, CROOK. I would say CON also, but she never conned me, I had misgivings about her instantly over the phone not even having met her yet.She calls up some hidden people and plays her game, gives me this ridiculous ''sucker '' look and tells me the hidden players say we can't do it!!!!!!!!! For the trouble I went through alone, the decent thing to do would have been to honor the promo, especially when I am talking about bringing even MORE money in.It was them who called me to come in for an appointment in the first place, it was them who mailed me the invite, they not only thought nothing of wasting my time and causing me total distress, but then this XXXX puts on this act and says ''I 'm about to cry!!!! '', are these crooks out of their minds???? They pull a stunt like this and then claim THEY are the victim!!!!!!!!!! Then XXXX, butts in and threatens me with being escorted out of here!!!!!!!!! INSANE. The whole entire charade was orchestrated by them, there was never any intention of doing anything except swipe all my money. XXXX hung onto my mailing, and I had to fight for it back, and even obtaining names and corporate # was a theatrical joke. XXXX is scum for going along with XXXX XXXX mean-spirited ill-intentioned scheme, as I knew her making a phone call was just a way to weasel her way out of honoring something I met the requirements easily for. They claimed some nonsense about accounts not being closed a full six months, I have closed accounts only to discover they weren't & been charged fees on top of it.I specifically asked a teller at another branch if the account if closed, ''yes it's closed out '', only to find out they are very much still open & active.So they can keep fining the accounts I suppose. I told them that if I didn't meet the qualifications as a costumer, why was I mailed the invite?? Nobody else was mailed this, it's not a general mailer, not everybody has this amount of cash is why. I also insisted that I went through a lot of trouble to do all of this, and couldn't even get my money deposited into my other banks because now they are closed and I feel unsafe with this amount out of bank.They were beyond malicious & crooked, NASTY!!!!!!!!!!!! XXXX mentioned disrespect, what do you call what THEY are doing to me, ABUSE, PURE ABUSE RUNNING ME AROUND AND SCREWING WITH MY FUNDS & BEING FRAUDS. I am not allowed to REACT??????????????????? Where did COSTUMER RESPECT go????????????????????? They pull one nasty stunt like that and have the NERVE to mention ''disrespect '' because I react to it!!!!!!!!!!! I have enough experience in consumer law at this point, ( proudly I have never lost a dispute/claim, even with my credit cards which are difficult to win ), to know that what they were doing wasn't only devious and rotten, but probably not legal and certainly not moral and definitely NOT in the bank 's best interest. Which is why I am filing this complaint. Citizens Bank is now out a VERY valuable $ $ $ $ $ $ $ $ $ $ $ $ $ $ costumer, because it employs ill & unstable, vindictive & corrupt individuals who clearly are BAD FOR BUSINESS and think they are  above the law and have zero obligation to stand by specific letters and mailings to certain costumers. I shouldn't be faulted, I did what was asked and went through a lot of trouble, and they were the ones who set this whole charade up!!!!!!!! And what a fiasco it became, thanks to XXXX and XXXX, whom claimed XXXX does ''such a wonderful job '', yeah, that's why your bank made out with my leaving today, that's such a wonderful job!!!!!!!!! Rather than open the accounts efficiently and investigate why accounts were never closed, ( that must be the whole deal with that!! ), she'd prefer to investigate & finagle her way out of honoring my advertised invite/offer. She gave me a very fake look after the ''phone call '' with the guys upstairs, literally a phony sad face, and then smirked when I said to give me my check back along with the promo mailing, and found it amusing that I demanded all accounts be closed immediately. When I called her out on the inappropriate behavior, gestures, and phony persona, that's when she pulled her ''I 'm going to cry!! '' act, and was COMPLETELY fake. They told me to be quite because they didn't want other shoppers in the supermarket hearing the scam they just did to me. What disgusting pieces of work, foolish morons. They are exactly what destroys a bank. I left the bank, closed the last & final account remaining, and demanded proof all accounts were closed. Only one receipt was given me states ''savings close-out '' on it. After threatening me, I told XXXX that she dare threaten a costumer and that is beyond this ''disrespect '' she has the nerve to speak of. It is people like me that provide her with employment, she should be out on her butt along with XXXX. They contrived the whole nightmare of an ordeal, and guess what, XXXX bank is now out the $ XXXX I was bringing in, and my inheritance that I was planning to bring over to, worth over 500k. If they keep despicable jerks like that then it'll cost them LOT $ $ $ $ $ $ $ $ $ $ I truly would be so grateful if this complaint, word for word, could be forwarded to Citizens Bank Corporate. Maybe they've got each others backs over there but Corporate is about the bottom line $ $ $ $ $ $ $ $ $ And they need to know about this and what XXXX was up to and XXXX, meddling, interfering only to defend her trouble maker co-worker, haul them out of there!!!!!! I am writing reviews on every outlet & they deserve to be picketed, ( yes I've done that before too!! : ) Stupid business sense, there is evidently something psychologically wrong with XXXX, all the deviant pursuing, jealousy, out for my money, drama faked cry baby antics, wasted my time and jerked me around, abnormal and this ''bank '' must go under along with all the other asylums shut down and XXXX get some HELP!!!!!!!!!!! Miss Company woman thought she would out-smart me, conning me out of what was bigger than her invited me to, when the reality is she screwed her own company /employer out of a HUGE investor. I hope that lousy XXXX XXXX  bucks was worth it to you, morons. Corporate needs to hear this, and the head manager at that branch, high -ups need to replace these unstable liabilities with TRUE CLASS, PROFESSIONALISM, EDUCATED INDIVIDUALS WHO UNDERSTAND, KNOW & CARE WHERE THEIR BREAD IS BUTTERED & DO WHAT'S RIGHT FOR THE SAKE OF MONEY AND REPUTATION, BECAUSE TRUE PROFESSIONALS ARE EDUCATED IN MORALS/ETHICS WHICH IS SUCCESS.

Company response to consumer: Closed with explanation