Citizens Financial Group, Inc.

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to the customer's inquiry. Please note that we have fully addressed this matter directly with [redacted] on 10/12/2017.  A detailed response with enclosures has been communicated to...

the customer by way of letter.  Please allow 3 to 5 business days for delivery of the letter. If the letter is not received within the allotted time the customer may contact the advocate handling their concern directly for additional support.  In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter. Please let us know if we can be of any further assistance. Sincerely, Office of the Chairmam

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry. Please note that we have fully addressed this matter directly with [redacted] on January 6, 2016.  A detailed response with enclosure has been...

communicated to the customer by way of letter.  Please allow 3 to 5 business days for delivery of the letter. If the letter is not received within the allotted time the customer may contact the advocate handling their concern directly for additional support.  In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter.Please let us know if we can be of any further assistance.Sincerely,Office of the Chairman

We are in receipt of the rebuttal complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.Our response is in the final stages of approval and we will be providing a detailed resolution to Mr. [redacted] by way of letter as soon as possible.     Sincerely,Office of the ChairmanCitizens Bank

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.As communicated via telephone to Mr. [redacted] on March 2, 2017, we are still researching his concerns.A detailed response will be provided to our customer by way of...

telephone or letter.This message is merely an interim response until our research is completed.Sincerely,Office of the ChairmanCitizens Bank

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].  This response is not sufficient, I received a call from a Citizens Bank representative on 2/1/17 from [redacted] from the Office of the Chairman, tel [redacted] in the morning.  She stated she would call the local branch I have been in contact with to investigate my claim of Fraud as well as any backup documentation they printed for me.  She also stated that the collection calls will cease.  However, on 2/2/17 in the morning, I received an autodialer call from the collection department even after several requests to cease the harassment and even after [redacted]'s promise to get these harassing calls to stop.   My rights are being violated and there are civil penalties that are now recorded on my cell phone to back up the harassment that was supposed to stop.  Perhaps a lawsuit will stop the calls at this point?  I thought they would oblige after I escalated this all the way up to the Office of the Chairman, but apparently they do not follow the laws of the CFPB.  I have never gotten any response in writing that I requested on 3 separate occasions and got absolutely no results to get my money back that they were taking out of my checking account for a fraudulent check written from my account causing an overdraft which is the root of the problem that the branch provided the proof of the front and back of the check, however they seem to be doing no justice with protecting my rights to pursue fraud.  I want results, I want the response in writing, I want my money back that they were taking to pay themselves back for cashing a stolen check and I want the collection calls to stop.  I want them to follow the law, I want my credit report to be updated and I want them to oblige otherwise I have no other recourse but to take legal action since I have tried every other amicable way to resolve this on several occasions with zero help from those acting on behalf of Citizens bank.  Shame on you for harassing your customers all the way to push them to the limit to file Civil Lawsuits....unfortunate you will not do the right thing required by Federal Regulations. 
Regards,
[redacted]

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.As communicated via telephone to Ms. [redacted] on January 17, 2017, we are still researching her concerns.A detailed response will be provided to our customer by way of...

telephone or letter.This message is merely an interim response until our research is completed.Sincerely,Office of the ChairmanCitizens Bank

Tell us why here...We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to the customer's inquiry.Please note that we have fully addressed this matter directly with Mr. [redacted] on May 12, 2015.  A detailed response has been communicated to...

the customer by way of telephone. In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter. Please let us know if we can be of any further assistance.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].  
I don't feel they did anything to help me recipe some of money.  They say they can't give me any money back.  I know it is an offset however I have read up on this matter and the bank is not allowed to take me below 1000.00 .  clearly they left me with no money to live off of.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. 
The previous response from the bank stated that they would research the situation.  This made us hopeful…  But, instead, the bank simply reiterated its previous position, which remains factually inaccurate and completely unacceptable as our previous response stated.First, the bank blames other institutions for all delays, as they did throughout the entire process.  The fact remains that we consistently found all delays to be the result of the incompetence of most of the people we dealt with at the bank, where we had to spend an inordinate amount of time correcting the many mistakes they continually made throughout the entire process.  This resulted in the bank failing to honor agreed upon closing dates, missing five different closing dates, the first of which caused us to incuradditional costs of $3,330.Second, concerning the most egregious act, the bank continues to claim that they “verbally” informed us of an increase in the interest rate.  Once again, this is categorically untrue and a complete and utter fabrication.  No important information was ever conveyed verbally to us without also having confirmation via e-mail or other writtencorrespondence.  Because of early misrepresentations and failure to deliver on numerous promises, and since one of us has spent more than 20 years working in the banking industry, we kept careful notes on all verbal correspondence and we kept all e-mail messages and other written correspondence.  We were never informed of any increase in interest rate through any means.  The fact remains that an increase was made in the agreed upon interest rate without any re-disclosure or amendment to the construction/permanent mortgage loan commitment letter through verbal, written or any other means, as documented by our careful notes on all correspondence with the bank.  This represents, without question, truly unprofessional, unethical and deceitful behavior by the bank.  And, despite such behavior, the bank refuses to do anything to address these misdeeds.Based on our dealings with the bank, we will never work with them again for any banking needs and strongly recommend that others look elsewhere for their banking needs.  Wehope that no one else ever experiences what we went through.  We are exploring legal options.
Regards,
[redacted]

We
are in receipt of the complaint for the customer referenced below and welcome
the opportunity to respond to the customer's inquiry. Please note that we have fully addressed this matter directly with Ms. [redacted] on December 8, 2015.  A detailed response with
enclosures has been...

communicated to our customer by way of letter.
 Please allow 3 to 5 business days for delivery of the letter. If the
letter is not received within the allotted time the customer may contact the
advocate handling their concern directly for additional support.  In the
interest of protecting our customer's privacy, we are unable to provide you
with any additional details in this matter.Please
let us know if we can be of any further assistance.Sincerely,Office
of the Chairman

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].
 
Regards,
[redacted]

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to the customer's inquiry.Please note that we have fully addressed this matter directly with Mr. [redacted] on July 7, 2015.  A detailed response has been communicated to the customer by way...

of telephone. In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter. Please let us know if we can be of any further assistance. Sincerely, Office of the Chairman

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to the customer's inquiry. Please note that we have fully addressed this matter directly with [redacted] on 10/26/2017.  A detailed response has been communicated to the customer by...

way of telephone. In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter.   Please let us know if we can be of any further assistance. Sincerely, Office of the Chairman

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry. Please note that we have fully addressed this matter directly with Mr. [redacted] on April 6, 2017.  A detailed response with enclosures has been communicated to the customer by way of letter.  Please allow 3 to 5 business days for delivery of the letter. If the letter is not received within the allotted time the customer may contact the advocate handling their concern directly for additional support.  In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter.   Please let us know if we can be of any further assistance.   Sincerely,   Office of the Chairman

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
 I received the attached letter from Citizens One on 10/24/16.  I would like to respond to specific items that were discussed in the letter.  1) I NEVER RECEIVED a denial letter from Citizens One.  They state they sent out this letter on 10/1/16.  The only reason I found out that my application was denied is because they sent an email on 10/1 asking me for more information regarding my student loan statements.  I don't know where this letter went, but I never received ANY COMMUNICATION. 2) Communication - On 10/1, Citizen's One sent me an email telling me that I needed to give them actual statements from my student loans.  I responded on 10/2 telling them that I don't get monthly statements, so if they could please advise me as to what I need to do instead.  NO RESPONSE.  What kind of a business just DOESN'T RESPOND to someone who is trying to give them business???  A simply email response saying that they couldn't give me any information and I would receive a letter in the mail, or something along those lines would have sufficed.  I also sent the attached email on 10/4 because I still hadn't heard anything from Citizen's One.  They claim they never received any more emails from me.  Again, please see attached.  And yet again, no response.  At this time I reported them to the Revdex.com and only THEN did I get a response from the Office of the Chairman. 3) If my denial was only due to my debt to income ratio, then WHY didn't I receive communication regarding the fact that if I had extra income, I could report that and my application would be reviewed again.  Or if I had a co-signer added to my application, it would be reviewed.  No, I simply received a denial with no further communication.  I do have extra income that I could report as well as having my husband be a co-signer on the loan, but no one from Citizens One has even told me about other options. I am simply trying to consolidate my federal student loans to get a LOWER INTEREST RATE.  I am not trying to take out more debt; I have enough student loan debt as it is.  I do have more income that I could report and I also could have my husband as a co-signer, but was never given an opportunity to.  The fact that Citizens One couldn't even give me the courtesy of a simply email communication when I asked questions or a phone call is amazing to me.  It is obvious that there is lack of customer service skills and unfortunately I had to experience that first hand. 
Regards,
[redacted]

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry. Please note that we have fully addressed this matter directly with Ms. [redacted] on September 30, 2016..  A detailed response has been communicated to the...

customer by way of telephone. In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter. Please let us know if we can be of any further assistance. Sincerely, Office of the ChairmanCitizens Bank

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry. Please note that we have fully addressed this matter directly with Mr. [redacted] on April 26, 2016.  A detailed response with enclosures has been communicated to our customer by way of letter.  Please allow 3 to 5 business days for delivery of the letter. If the letter is not received within the allotted time the customer may contact the advocate handling their concern directly for additional support.  In the interest of protecting our customer's privacy, we are unable to provide you with any additional details in this matter. Please let us know if we can be of any further assistance. Sincerely, Office of the Chairman

We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.As communicated via telephone to Ms. [redacted] on August 30, 2017, we are still researching her concerns.A detailed response will be provided to our customer by way of...

telephone or letter.This message is merely an interim response until our research is completed.Sincerely,Office of the ChairmanCitizens Bank

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]Since filing this complaint, [redacted] reached out to me one day. I was at work in a meeting. I told the representative that I could not talk. I really don't have anything to say to [redacted] at this time. I've called their several times and I get the runaround. All I want [redacted] to do is two things: apologize for using the term "dispute" on my credit report and remove the word "dispute" from my credit report. That one word is causing me serious credit problems. I need them to remove the word dispute. This is so unprofessional. I should not have to go through this. JUST REMOVE THE DERROGATORY INFORMATION OFF MY CREDIT REPORT....PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Regards,
[redacted]

Revdex.com:As of now, I have NOT heard from the business.
I...

have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted].. 
[
Regards,
[redacted]