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Report: #1529802

Complaint Review: Citizens Bank - Providence RI

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  • Reported By: Daniel — Kansas City MO United States
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  • Citizens Bank One Citizens Plaza Providence, RI United States

Citizens Bank They've made the process of inheriting a car as much of a PITA as possible Providence RI

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December 23, 2020, my father passed away. He left me his car (TOD) which had/has an auto-loan financed by Citizens Bank.

Back then, I tried to contact them to see what the next step was, manage his account, and probably just pay off the loan entirely (he'd been paying $500 a month since 2014, plus he'd had a 2013 Focus before that that was recalled and traded in; I figured there couldn't have been much left of it).

Dunno if they were suffering COVID staffing shortages or something, but I couldn't get in touch with anyone. Tried several phone numbers, sent letters to two different addresses, Facebook, one was home. To be honest, I wasn't all that eager to risk a DMV visit at this time, anyways (the vaccine wasn't out yet), so I just left about 10 grand or so in the bank account where the auto-payments were coming out of, and they stopped being taken out somewhere during the summer of 2021.

Fast-foward to a few months ago: I'd kind of just set the car aside and mostly forgotten about it, so I finally decided to go register/transfer/whatever the car I'd paid two years worth of taxes on. The license office told me I would need either a lien release or a form showing I'd taken over the loan, so I attempted to contact Citizens again.

Well, it took a decent amount of waiting on hold, but I finally managed to get in touch with someone, and they told me they would send me the lien release letter...which then didn't show up even well after the promised 7-10 business days. Two more conversations with them took place, with the same promises, and the same disappointment. I also sent another letter to their HQ (this time, Priority mail w/signature verification, so I know someone received it this time), which was once again completely ignored.

On my most recent attempt, I was going to demand they send it in some way where there's a tracking number I can look up, but they started saying completely different things from before (like I'd need to fax them an "executor's letter"; it's TOD, it doesn't go through probate, why TF would they need that?), then they clammed up completely.

Asked to talk to a supervisor, who put me on hold for a while, only to come back and tell me I needed to call the number for their "Asset Recovery" department and press "option 2." I called the number just to scout out what I might be getting into, and the automated message literally called themselves the "Repossession Department." Now I'm thinking I'm gonna get totally screwed if I even talk to someone there without a lawyer.

This report was posted on Ripoff Report on 11/17/2023 02:35 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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