CONSUMER FINANCIAL PROTECTION BUREAU FORMAL COMPLAINT Filed Pursuant to 12 U.S.C. 5531 and Regulation E ( 12 C.F.R. Part 1005 ) I. PARTIES AND ACCOUNT INFORMATION Complainant : XXXX XXXX XXXX XXXXXXXX XXXX Citizens Bank , N.A. Product : Consumer checking account with linked debit card Date of Incident : XX/XX/year> Amount in Dispute : Approximately {$8700.00} ( representing approximately 95 % of the total account balance ) Branch Where Fraud Occurred : Citizens Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. SUMMARY OF COMPLAINT This complaint is filed against Citizens Bank , N.A. for its failure to comply with the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing regulation, Regulation E, 12 C.F.R. Part 1005, in connection with its denial of a fraud claim involving unauthorized electronic fund transfers totaling approximately {$8700.00}.…
CFPB COMPLAINT DATABASE
Citizens Financial Group, Inc.
678 real consumer complaints filed against Citizens Financial Group, Inc. at the Consumer Financial Protection Bureau in the last 12 months. 140 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account229
- 02Trouble during payment process52
- 03Closing an account47
- 04Problem caused by your funds being low45
- 05Problem with a lender or other company charging your account43
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving a long-standing credit card dispute regarding a {$1300.00} charge from a hotel reservation made through XXXX in XX/XX/XXXX. I have been a loyal XXXX Bank customer since XXXX, holding a mortgage and XXXX other accounts in addition to my credit card, and I am reaching out because my previous attempts to resolve this with the claims department have been unsuccessful. The dispute is based on the following facts : - Misrepresentation : The hotels physical address and appearance differed significantly from what was advertised on XXXX. - XXXX of XXXX : The reservation did not state it was non-refundable at the time of booking. - Extenuating Circumstances : I experienced a death in the family and was unable to attend. Both the hotel and XXXX refused to adjust the dates or offer a refund.…
On XX/XX/year>, Citizens Bank initiated an ACH debit of {$1800.00} from my PeoplesBank account for an external transfer to my Citizens Bank account. The funds were successfully debited from my XXXX account. The credit to my Citizens account failed, and Citizens Bank stated that they initiated a return of the funds back to XXXX under claim number XXXX. XXXX has confirmed that they have the XXXX XXXX number and searched their ACH and EFT systems using the trace number, account numbers, name, SSN, and date ranges, and confirmed that they never received the returned funds. Since the return did not settle to XXXX, the {$1800.00} debited on XX/XX/year> must still be held on Citizens Banks side. Citizens Bank has not provided proof that the return settled or identified where the funds are currently being held. I am requesting that Citizens Bank provide proof of settlement for the ACH return or identify the current ledger location of the {$1800.00} and return the funds to me.
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and request assistance regarding ongoing identity theft that I have been experiencing since XX/XX/XXXX. In XX/XX/XXXX, my New York State learner permit and other personal documents were stolen from my mailbox at my local XXXX post office. For nearly two months, I did not receive any mail. After repeated attempts to resolve the issue, the United States Post Office informed me in writing that the mailbox had been vandalized. Since that time, an unknown individual has been using my stolen identity to commit financial fraud. This person has opened multiple bank accounts and applied for credit cards in my name. More recently, they contacted the post office and placed a hold on my mail, which has prevented me from receiving important correspondence. On XX/XX/XXXX, the fraudulent individual went to my mobile carrier store and used my identification to obtain a replacement SIM card.…
My escrow account was recalculated and payment increased effective XX/XX/year>. I incorrectly entered the date as XXXX. When I realized my error I had my bank ( I use online bill pay service ) issue another check to make up the difference. I also called them to let them know I knew and had corrected the error. AT NO TIME did they say, oh well too bad you can't do that. We'll be sending your check back. Today I opened my mail to find they returned my initial payment. I assume that they'll also send the other payment back. This is RIDICULOUS! Now, I have to come up with an additional {$4000.00} to make the payment while all these checks travel around.
Recent complaints
The 30 most recent complaints against Citizens Financial Group, Inc. where the consumer chose to publish their narrative.
Citizens Bank XXXX at the XXXX XXXX XXXX, OH branch incorrectly deposited my {$1000.00} cash deposit ( Transaction # XXXX ) into my CD account instead of my savings account on XX/XX/2026. The teller and supervisor refused to verify my updated balance, dismissed my concerns, and provided no documentation. My CD does not allow additional deposits, so this was a clear error. I am requesting that Citizens Bank remove the {$1000.00} from my CD and correctly deposit it into my savings account. My deposit Slip is dated Monday, XX/XX/2026 at XXXX. Other information on the Deposit Receipt is as follows : Deposit ; Account Number : XXXX ; Amount {$1000.00} ; Bank : XXXX ; Branch XXXX ; Transaction # : XXXX.…
Subject : Mortgage Servicing Complaint Insurance Claim Funds Delayed / Restricted Escrow Hello, I am submitting a formal complaint regarding the handling of my homeowners insurance claim funds by Citizens Bank. I received an insurance claim check related to property damage, which is subject to a 180-day completion requirement in order to recover withheld depreciation. This creates a time-sensitive situation requiring timely access to funds to complete repairs. Initially, XX/XX/2026, I was advised that my check could potentially be processed through standard endorsement. However, after multiple follow-ups and exception review processes, the funds were instead placed into a restricted escrow account requiring a draw process and inspections.…
I am filing a formal complaint against regarding the restriction of my business account and denial of access to funds following a check deposit. On or about [ XX/XX/year> ], I deposited a check into my business account. Shortly thereafter, my account was restricted, and I was denied access to my funds without sufficient explanation, documentation, or proper notice. To date, the bank has failed to provide a clear reason for this action, identify any specific issue with the deposited item, or outline what is required from me to resolve the matter. This lack of transparency has prevented me from addressing any alleged concern and has caused significant disruption to my business operations.…
I won a company from XXXX on social media. I believe XXXX is main company ( subsidiary ) - I received a check for XXXX and mobile deposited it into my acct on XX/XX/XXXX. They still have my check on hold and will not allow me access to funds. As soon as 1 hold wears off they place an immediate next one. I have involved XXXX XXXX XXXX as well. The check was only good for 60 days so now its void. I spoke with representative at company who informed me check was cashed in XXXX and she provided me 2 contact ppl for citizens bank which I relayed to them. All I get is the check doesnt look right. WHAT?!?! I have called so many times, corporate called me and said back office isnt taking hold off and we can put as many holds on it as wed like. I want my money, I can see it pending but its not available, the next hold is supposed to fall off XX/XX/XXXX so they will have had my check for 2mths now
On XX/XX/XXXX we notified Citizens Bank of fraud activity on our business bank acct. # XXXX committed by XXXX & advised we filed bankruptcy XX/XX/XXXX, which by law stops all collection as of this date. Initially, XXXX agreed to reaffirm on XX/XX/XXXX, in the presences of witnesses within our home, but failed to document the account, which prompted recording hereinafter. On XX/XX/XXXX, XXXX breached contract & notified us in writing, which XXXX arbitrarily injected themselves into our bankruptcy after a mutually agreed commitment. No different than the other pre-paid companies ( i.e. XXXX XXXX, XXXX XXXX, etc. ) who held to their agreement ( s ). XXXX actions prevented them further collections & placed them in the position where they were required to refund any monies obtained by XXXX dated back to XX/XX/XXXX.…
ON XX/XX/XXXX I DIGITALLY DEPOSITED ANOTHER WORKER 'S COMPENSATION CHECK I RECEIVE XXXX XXXX INTO CHECKING XXXX. THE FUNDS WERE IN THE ACCOUNT ON XX/XX/XXXX. THE CHECK 'S AMOUNT WAS {$1000.00} CHECK No : XXXX WITH THE DATE OF XX/XX/XXXX FROM THE STATE INSURANCE FUND ; STATE OF NEW YORK DEPARTMENT XXXX XXXX AND XXXX DIVISION OF THE TREASURY. IN RED INK ON CHECK XXXX. XXXX XXXX BANK, XXXX. NEW YORK, NY I TRANSFERRED {$700.00} OF THE CHECK 'S FUNDS INTO MY SAVINGS SO I WOULD NOT SPEND EVERYTHING. ON XX/XX/XXXX MY ACCOUNT WAS A NEGATIVE $! XXXX. WHEN I CALLED CITIZENS BANK, SUPERVISOR XXXX EXPLAINED THAT CHECK WAS RETURNED AND THE ACCOUNT OF THE BANK STATED THAT WAS NOT THEIR ACCOUNT LOCATED ON CHECK. I WAS TOLD THAT THEY WILL NOT HONOR THAT CHECK. I EXPLAINED THAT FOR SEVERAL MONTHS OVER I HAVE DEPOSITED THE SAME CHECKS I RECEIVE AS AN INJURED WORKER FROM XXXX THAT A WORKER 'S COMP JUDGE DIRECTED XXXX TO PAY ME {$1000.00} BIWEEKLY.…
Very difficult to access payment information from the Citizens Bank App or website. Asks for a new password every time I access my payment information. Neither online location or App can provide information on or documentation of the original line of credit agreement. It is XXXX interest line of credit, and the account is closed. I can not see how much of the loan is paid, or if I am getting credit on the loan with my regular auto payments.
I was placed on a XXXX trial mortgage payment plan with Citizens Bank for XXXX, XXXX, and XXXX, and I was required to call in to make payments. In XXXX, I was informed by a representative that I could make payments within the same month as long as they were made after the XXXX. Based on that guidance, I followed instructions and made my payments accordingly. XXXX payment was made in XXXX, and XXXX payments were made in XXXX during a single call on or around XXXX XXXX. These payments were processed by a Citizens Bank representative while I was required to call in and did not have the ability to make payments independently. After these payments were made, I was later informed that I had been removed from the trial payment plan because payments must be made in the specific month they are due. This requirement was not previously communicated to me and contradicts the guidance I was given in XXXX.…
I am writing to file a formal complaint regarding ongoing difficulties with my Citizens Bank XXXX XXXX account. I have been unable to access XXXX and other essential online banking features because the phone number linked to my profile is outdated. While the bank was able to update part of my phone number, the original number still remains in the system. This outdated number is still being triggered for XXXX and other key features, preventing me from enrolling or verifying transactions. I contacted customer service several times and was told to visit a branch. After XXXX visit, I was redirected to the original branch where I opened my account. Despite spending over XXXX hours there, the staff still couldnt fully resolve the issue. Furthermore, I find it extremely unprofessional that the customer service agents do not have the ability to delete the outdated phone number. Instead, they rely on a chat with the back office via a chat box, rather than directly resolving the issue.…
CRIMINAL CASE XXXX XXXX XXXX XXXX XXXXXXXX XXXX Statement of Forgery and Unauthorized Account opening : I have been a Citizens Bank customer since XXXX with only XXXX authorized credit card. On XX/XX/XXXX, I discovered a second unauthorized XXXX was opened in my name on XX/XX/XXXX. 1. Evidence of Forgery : Today, XX/XX/XXXX, I visited the branch and reviewed the application with the manager. I discovered the signature field contains only handwritten " initials '' that are NOT in my handwriting. I never authorized anyone to sign for me. This is a clear case of internal forgery. 2. Failure to Resolve : Despite my phone calls yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ), and my in-person visit to the branch, the bank manager confirmed that the card was cancelled. Around XXXX I called the Customer Service XXXX, and the attendent named XXXX ( Ref # XXXX ) confirmed that I have XXXX credit cards under my name but refused to provide the full account number. 3.…
Issue : Illegal Account Set-Off & Violation of State Exemptions Company : Citizens Bank XXXX Citizens Financial Group XXXX XXXX Number : XXXX I am a Massachusetts XXXX with a private student loan through Citizens Bank XXXX Despite being on an active, compliant repayment plan, Citizens Bank performed an unauthorized " XXXX Debit '' ( internal set-off ) XXXX seized XXXX % of the funds in my checking account on XX/XX/year> This action is a breach of our established repayment agreement XXXX violates the following : XXXX. c. XXXX, XXXX ( XXXX ) : Massachusetts law protects the XXXX {$2500.00} in a bank account from XXXX XXXX ensure consumers can meet basic living expenses. The banks action left me with a {$55.00} balance. Unfair XXXX XXXX Practices : The bank acknowledged an error by issuing a partial refund of {$190.00} after my initial dispute, yet they continue to withhold the remaining balance of {$300.00}.…
I am writing to file a formal complaint against Citizens Mortgage concerning their handling of my mortgage account, particularly following a forbearance period. I believe the company has engaged in unfair practices, resulting in significant financial harm to me. Due to a government shutdown, I was placed on a mortgage forbearance plan. I proactively contacted the Loss Mitigation Department at Citizens Mortgage to discuss solutions for repaying the missed payments and bringing my account current. During my call with the Loss Mitigation Department, I encountered the following issues : I was informed that I was only one month behind on my payments. However, the representative stated they had no specific guidance or programs available to help me make up the missed payments from the forbearance period. Unhelpful " Solution '' the only advice offered was to " just make an additional payment.…
On XX/XX/scrub>XXXX XXXX XXXX I received an email from Citizens Bank about a new checking account that I opened with them. The email stated it was a 'One Deposit Checking ' with no opening deposit amount. In the email I was given an applicant ID. I was sent the disclosure forms and agreements in a separate email. I had never heard of Citizens Bank so I did not click on any links and immediately looked up the bank and called their customer service line. We exchanged information and they verified that there was an account opened in my name. I was promptly transfered to a supervisor who quickly resolved the issue and terminated the account. The supervisor then advised me to report fraud with the 3 major credit bureaus and then file a complaint with ftc.gov. The supervisor at Citizens Bank gave me a confirmation number for the closing of the account and I gave him my contact information if they had further questions or concerns.…
Citizens Bank, 2 citizens Way, XXXX XXXX XXXX XXXX has an UNFAIR BUSINESS practice. When customers transfer money from their home equity line of credit to their checking account, the bank holds the money for 2 days. Although they state and their agreement that they do this it is unfair because it is an internal bank transfer and the money should transfer immediately.
I am attempting to open and establish required banking accounts with Citizens Bank in connection with an active XXXX XXXX bankruptcy proceeding. I have already provided all requested documentation electronically, including filings related to the XXXX XXXX proceeding and notarized organizational documents for the company. Despite this, I continue to experience repeated delays, conflicting instructions, and lack of proper processing. Despite providing documentation via email, I am being asked to resubmit the same materials multiple times without clear justification. There is no confirmation that my documentation has been received, reviewed, or submitted to the appropriate back-office team. Additionally, I have encountered repeated issues with staff conduct and escalation : - A representative identified as XXXX ( XXXX ) has disconnected calls on multiple occasions when I requested escalation to a supervisor. - This has prevented me from resolving the issue through normal channels.…
I was refused an overdraft line for my new checking acct started after my first ever fraud issue. I closed the old XXXX acct next XXXX w/ bank. Notified XXXX credit bureaus & took all measures. After 6 months opened this new XXXX acct w/ same branch bank. They refused an overdraft line. Said too many loans, credit card balances- none of this tis accurate. No loans, all cards pd in full statement balances every month. Never pay interest-not needed. I am retired, XXXX yrs old, nurse of over XXXX years. No debts. Private client of my bank w/ savings/checking of over $ XXXX, annuities over $ XXXX. They said I needed EARNED INCOME to qualify. I clarified : a JOB? Yes! they said. I have Social Security as well & income monthly from my annuities. DO I still need a job?! I reminded them I am XXXX ( now am XXXX ) That did not matter. My head banker spoke to them more than once, & gave me his name & I spoke 3 times w/ him - '' XXXX XXXX My current credit score is XXXX.…
I went to open a bank account with citizens bank online and after inputing my information they said I already had a bank account open before in XXXX. That is impossible because I never even had a bank account with citizens bank. They said its odd because the account was only open for about 3 months. So Im worried someone may have used my credentials to open an account or accounts to commit fraud.
My XXXX XXXX account was sold to Citizens Bank at the beginning of 2022. Since then, I have had several issues and have been mostly dissatisfied. I approached XXXX this year and they have reopened an account for me. I want to transfer the balance of my Citizens Bank account to XXXX. I called to do so and was told that my funds were frozen. I asked what steps I should take to unfreeze the account and move forward with the transfer. Nobody will tell me. Since Monday, I have spoken to 2 people from the customer service number and I called the last branch I was in. Nobody can tell me what the problem is or how to solve it. I tried calling the XXXX and XXXX number ( XXXX ) XXXX but that department is closed because of unforeseen circumstances (?!? ). If I knew what the problem was, I could probably solve it, but no one will tell me. I am told that a letter will be sent to me. They " supposedly '' sent me a check earlier this year as I had paid more than I owed on my credit card.…
I have {$250.00} owed to me by Citizens. I noticed on XX/XX/year> that I was XXXX in the green, so I paid my full statement balance of {$480.00}, which my app says posted on the XXXX. On the XXXX, which is the day I set up auto pay and forgot, I was charged {$230.00} from my savings to make a payment on my credit card, but there was nothing to pay, so it just shows XXXX in the green. I called the Citizens credit card assistance number on the back of my card, and I was told that the {$480.00} still hasn't posted, so they won't send me {$250.00} that I am owed, and the credit card balance is still on {$16.00} because my {$480.00} hasn't posted, but the app says it has. Basically, I have {$480.00} that's been taken and not even applied to my bill, and an additional {$250.00} overcharged and being withheld. I have a series of bills coming up, so I need this money. The money I sent on the XXXX should have posted by now, so I believe something is going on.
I went to the bank on XX/XX/XXXX deposited a check in a savings account. I then got a letter in the mail 3 days later saying they were going to hold my money until XX/XX/XXXX. I proceeded to go back to the bank Monday XX/XX/XXXX with all my documents showing proof of where my check came from they said everything was good. Now the XXXX of XXXX came and they were saying that I have to wait my money is still on hold until XX/XX/XXXX. I asked why and have gotten no reason or information on why my money was being held I spoke with the bank manager this branch is in XXXX NY XXXX XXXX XXXX.
I am filing a complaint against Citizens Bank regarding their refusal to provide timely payoff documentation for a paid auto loan, which is now directly impacting a scheduled home closing. My auto loan with Citizens Bank has been paid in full. However, I have requested written confirmation of payoff ( paid-in-full letter or equivalent documentation ) to provide to my title company in order to proceed with a home closing. Despite multiple requests, Citizens Bank has refused to expedite or provide any form of immediate documentation, including email or fax confirmation of payoff. I explicitly clarified that I am not requesting the official lien release, but rather any written confirmation that the loan has been satisfied. I was informed that no expedited options are available and that I must wait for standard processing timelines, which is unreasonable given the time-sensitive nature of a real estate closing.…
I am filing this complaint regarding Citizens Banks denial of a fraud claim involving {$36000.00} in unauthorized debit card transactions on my account. My debit card and mobile phone were stolen, and shortly afterward multiple fraudulent transactions were made using my debit card information. I reported the theft and the unauthorized transactions to Citizens Bank promptly and filed a fraud claim. Despite the clear circumstances of theft and unauthorized activity, Citizens Bank denied my fraud claim and has not provided adequate documentation or evidence explaining how it concluded that the transactions were authorized. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to conduct a reasonable investigation when a consumer reports unauthorized electronic fund transfers. If a claim is denied, the bank must provide a clear explanation of the findings and make available the documentation used in its determination.…
On XX/XX/XXXX, I received a letter sent by the IRS stated that CITIZENS BANK forward them a XXXX 1099-C Form involved me. The " IRS Notice : XXXX '' letter claims a tax deficiency because I did not file XXXX Personal Tax Returns included CITIZENS BANK XXXX 1099-C Form ( Cancellation of Debt ). However, I have never had any business with CITIZENS BANK. No loan, No credit/debit cards opened, No savings/Checking accounts and no mortgage account whatsoever with the bank. But, the CITIZENS BANK fabricated a XXXX 1099-C Form involved me causing the IRS judgement of owing back tax in the amount of {$6400.00} I contacted the CITIZENS BANK XXXXXXXX XXXX XXXX XXXXXXXX XXXX speaking to customer service reps to request a copy of a XXXX 1099-C Form they sent to the IRS to further investigate a possible ID Theft issue and working closely with IRS XXXX division and Department of the Treasury XXXX The CITIZENS BANK NEVER sent me XXXX 1099-C Form at XXXX initially, nor want to send me a second copy…
In early XX/XX/year> I received a letter in the mail with an offer to apply for a HELOC with Citizens Bank. If I would take out a {$200000.00} HELOC and setup autopay, the XXXX would be decreased by 1 %. So, I took advantage and applied. I began working with XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX as my loan advisors. I was granted a pre-approval on XXXX. Over the next several weeks I was asked for several documents to secure the loan, all of which I submitted. Then, in late XX/XX/year> they provided a `` drive by '' appraisal that came in approx. {$100000.00} less than my expected appraisal. Because of this, my XXXX % interest rate jumped to XXXX % in my loan application portal and I was not able to get the full {$200000.00}, which means the 1 % rate reduction was null and void. XXXX explained that we could contest the `` drive by '' process and request an in-home appraisal, which I ordered. The appraisal was completed on Saturday, XXXX.…
Company : Citizens Bank , N.A. I am a former customer of Citizens Bank. I held two accounts at this institution : Savings Account No. : XXXX Checking Account No. : XXXX Registered address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Both accounts have been closed. I am now required to submit mandatory financial disclosures to the XXXX XXXX XXXX XXXX regarding foreign bank accounts held during calendar year XXXX. To comply with this legal obligation, I need official account statements for XXXX and a formal account closure confirmation letter. When I contacted Citizens Bank by phone, representatives stated they have no records of my accounts. Online banking access has been disabled. The bank has not provided any alternative method to obtain my records. Under the Bank Secrecy Act, financial institutions are required to retain customer account records for a minimum of five years.…
I REACHED OUT TO YOU TWICE BEFORE, AND YOU CLOSED MY CASE WHEN THERE WAS NO RESOLUTION, CITIZENS BANK JUST IGNORED ME AND IS STILL IGNORING ME. They keep telling me that there is NO ONE that I can talk to to resolve this except for calling support in XXXX which is very hard to understand. At this point, they owed me two more payments and finally returned them but accidentally made the one payment twice and then they went in and took it back and charged me {$120.00} in fees and now they have a collection agency after me when someone that works for their bank gave away my father 's name and account number stole money from me and now they're coming after me... below is my initial contact with you this is still not resolved and I don't like that you guys keep closing it when it's not resolved you didn't even ask me if it was resolved.... I am tired of stressing over it My original complaint...... My father passed in 2021, for his estate I opened a checking account.…
I am submitting this complaint regarding Citizens Bank, N.A.s handling of my residential mortgage loan, which involved misrepresentations related to pricing and rate matching, inadequate disclosure of material issues prior to closing, and failures of internal supervision that resulted in borrower harm. I selected Citizens Bank after receiving multiple more favorable mortgage offers elsewhere. I proceeded specifically based on representations made by Citizens Mortgage Loan Originator, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, who indicated she would obtain competitive pricing, successfully match rates, and provide compensation for issues that arose during the process. Many of these representations were conveyed via unrecorded cellphone conversations. I learned that certain rate matches were denied based on explanations that were inaccurate, including claims that competing rates could not be matched because they were not offered in XXXX % increments, despite evidence that they were.…
Every time I deposit money into my Citizens account, they claim that theyre waiting for the other financial institution to get back to them seven days later the money is withdraw from my account as a chargeback for no reason at all, and they overdraw my account into the negatives when I asked them what was the reason they dont give me a reason all that they had to do a charge back the check wasnt accurate mistakes were made on the check where the check was wrote out wrongly some excuse not a proper excuse, Ive called the highest of the highest in the bank to investigate, and Ive still got no response. My account constantly is frozen for fraud, even though Im the one verifying it and every time I go to verify myself over the phone, they can never pull up my account.…
I am on my mother 's checking account because she's older. She opened a line of credit and they automatically put me on it. I have asked to be taken off and was told they could not take me off until it's paid off. I did not give permission to be on the line of credit. I did not say assign anything saying that I would be okay with the line of credit and I do not want to be on this line of credit. I tried to dispute it but the bank says that for real I can't get it taken off my credit report. They should not be able to take out loans without talking to me first and making me aware of a line of credit that's being opened in my name
Subject : Formal Complaint Regarding Representative Conduct and Interest Rate Adjustments on Personal and Business Money Market Accounts Dear XXXX XXXX Team, Please treat this correspondence as a formal complaint requiring review by your XXXX XXXX, XXXX, or XXXX XXXX unit. I am requesting a documented investigation and written explanation addressing the issues described below, including the conduct of the representative involved and the interest rate adjustments applied to my deposit accounts. Please also consider this letter a request that Citizens Bank preserve all records relevant to this matter, including internal communications, call recordings, employee notes, and system activity logs related to my accounts and the interaction described below. First, I experienced extremely unprofessional and discourteous treatment from a Citizens Bank representative during a recent interaction.…
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