Complaints

This profile includes complaints for Citizens Financial Group, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Citizens Financial Group, Inc. has 1146 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Citizens Financial Group, Inc.

  1 Citizens Plz Providence, RI 02903-1344

  
• 

  Citizens Financial

  4333 Belmont Avenue Youngstown, OH 44505

• 

  Citizens Financial Group

  315 E. Main Street Louisville, OH 44641

• 

  Citizens Financial Group

  1000 N Main St Canton, OH 44720-1922

• 

  Citizens Financial

  2233 E Pershing St Salem, OH 44460

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/22/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Citizens bank has overdrawn my account (last four digits of account #My Name: *********************** Reason, I suspect fraud on the behalf of (Citizens Bank) has overdrawn my account without my permission (and since I actually signed the documents) under no circumstances is Citizens bank Authorized to overdraw my account. I also have documentation with my signature as proof!Dates and times for reference 08/19/22Fee Overdraft ( 1 At $35 ) |eNotice - $35.00-$66.99 08/18/22Preauthorized ******************* ******** $36.00-$31.99 08/15/22DBT Purchase Prime Video*e89e75888-802-3080 ******* - $9.99$4.01 I called customer service concerning this issue, and the rep provided false and misleading info. She indicated that( one) charge was a pre authorization. The pre authorization was to see if the funds are available for that particular transaction, it was not, and Citizens took it upon themselves to pay for the transaction. There was no (pre) prior authorization, Not only that they tried to use this citizensbank.com/peace-of-mind. Im no subscriber to this fraud!

  

  Business Response

  Date: 08/26/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.
  A detailed response has been communicated to ************** on August 25, 2022 by way of phone. 
  
  Sincerely,
  Office of the Chairman
  Citizens 

• Initial Complaint

  Date:08/18/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Citizens Bank keeps either putting a block on my *** card and/or preventing me from accessing my funds or making a purchase. Their rationale is "fraud protection": basically, anything and everything that has even a whiff of possible fraudulent behavior triggers the block.What they don't take into account about an egregiously, oversensitive fraud system is that, in order to address the block or denied ***/POS transaction, the customer has to contact customer service. Let's unpack that: you have to either call a number or get on their website chat. Calling the phone number entails AT MINIMUM fifteen minute wait times, usually more. Using the online chat is equally problematic because it's not optimized for mobile devices (go ahead, try it on Android and see if you can maintain a conversation); and that chat would inevitably end up back at the phone number. Problem is: WHAT IF YOU DON'T HAVE A WORKING PHONE? What if you're travelingas I wasand your ***/POS transaction is denied? Then what? What if you're stranded at an airport in USas I waswith only a foreign SIM card with limited funds and the *** denies the transaction? Citizen Bank's fraud system is preventing normal, unextraordinary transactions from taking place because they'd rather be accused of being too cautious than not cautious enough. So they let the "fraud protection" system effectively lock up customers' accounts and leave them customers to navigate their appalling customer service setup.And, get this: BEFORE we traveled internationally this year, we WENT TO A BRANCH and TOLD THEM which country we would be going to. THEY TOOK INFORMATION and assured us that all would be well. And what happened the very first time I tried using my card? ***: "TRANSACTION DENIED."Even their own in-branch reps have to call the same stupid fraud line when they offer assistance. What is the point?

  Customer Answer

  Date: 08/29/2022

  Hi,
  
  I received a phone message asking me to call them back, which I did. This was days ago, I've not heard back since.
  
  How does this bank have an A+ rating on BBB while customer ratings are so poor? Something doesn't add upand the fact YOU haven't heard from them only underscores my point. Their rating needs to be revised, otherwise what is the point of consulting the BBB?
  
  Regards,
  
  
  *************************

  

  Business Response

  Date: 09/13/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.
  A detailed response has been communicated to ************************* on September 7, 2022 by way of phone. 
  
  Sincerely,
  Office of the Chairman
  Citizens 

  Customer Answer

  Date: 09/14/2022

  While Citizens Bank did respond to me, about this one incident, the underlying problem will not have changed: the bank's fraud protection system hampers, if not outright obstructs, normal banking activities like withdrawing funds from an ***. The existing setup has two main problems:
  
  1. Fraud protection measures that trigger at an *** cannot be resolved until the customer either responds to a phone text or calls the fraud protection line. In both cases, this assumes that the banking customer has a functioning phone with adequate cell reception. When traveling, this is not always possible. Thus, the fraud protectioneven in cases where the bank was *informed* beforehand of the customer's intention to travel in a specific countryeffectively denies the customer access to their funds.

  2. Calling the fraud protection numbera requirement when the card is lockedalmost always entails long wait times, often well over 15 minutes. Again, when the customer is traveling, waiting on hold using a foreign SIM card, or with poor connectivity, or in potentially unsafe urban areas where the *** is located, makes this setup ineffective and unsafe. Additionally, the fact that *bank employees*, when serving customers in *physical branches*, have no recourse but to call the same fraud protection number, with the same unreasonable wait times. Even the branch employees acknowledged to me that this is a problem.

  So while I'm sure that Citizens would want to close this complaint, until we see evidence that these issues have been addressed, we don't consider this complaint "closed".
  
  Thank you.

  *****

   

   

  

  Business Response

  Date: 10/04/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with ************************* on October 4, 2022 via mail. 
  We have provided a copy of our response letter only here for our customers convenience. 
  
  Sincerely,
  Office of the Chairman
  Citizens

  Customer Answer

  Date: 10/09/2022

  Better Business Bureau: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 # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I received a letter by mail from *************************, Citizens Bank Office of the Chairman. Some key points need addressing:

  
  

  1. The "Personal Account Agreement", which stipulates that "we employ security systems that *** limit the use of your card in circumstances where possible fraud or other problems are detected" does not satisfy the essential problem that we *informed* the bank of our intention to travel in a specific foreign country *beforehand*, *knowing* that our travels would take us to remote areas where communicating with the bank might be impossible. What is the point of alerting the bank of our intentions if the bank is going to ignore us and prohibit the use of our debit cards? 
  
  2. The letter also states: "Please be advised that there are times our call centers are experiencing higher than normal call volume". This is patently untrue, the bank knows it, and it demands a correction. Not once, in all the many times I've called the fraud line, have I managed to get a response that wasn't over 15 minutesoften much longer. This is saying one thing while doing another. If staffing shortages are an issue, then admit that the fraud department is simply overwhelmed and that the current model doesn't work. Additionally, it does not address the problem that even the bank's *own branch employees* must use the same method when serving customers who come into a branch seeking answers. It's an absurd setup.

  
  

  What is essentially at issue is a bank that is engaging in "defensive banking": better to simply block transactions (and strand customers) in the name of "security" and "fraud prevention" than to contend with the costs of a few *actual* fraudulent transactions. The current system demonstrably serves the bank's interests, not the customer's. Yes, fraud prevention is an important factor, but not at the expense of *basic* banking transactions, and one t hat does not take into account very real practical problems such as when customers are traveling in remote areas (like the Atlanta international airport??). And it's clear to anyone that the bank cannot cope with the volume of traffic that its fraud prevention system has created; that in itself is evidence enough that it needs an overhaul.
  
  I've got nothing more to say about this and, until the bank can better serve its customers in 1) enabling/safeguarding transactions without draconian "fraud prevention" measures, and 2) providing a customer service experience, both in and out of branches, that respects their time.

  
  
  Regards,

  *************************

   

   

• Initial Complaint

  Date:08/17/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I returned an Xbox back in feb 20 2022 at the store and got my return receipt and they are cont to charge it for my Xbox pass with us ***************************************************************************************************************** claim number and a lot of emails but everytime I call they give me different departments to solve this issue they giving me the run around every time I talk to an agent just want to get the money back because I returned the item to the store already back in February thanks

  

  Business Response

  Date: 09/14/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with **************** on September 12, 2022 via mail. 
  We have provided a copy of our response letter here for our customers convenience. 
  
  Sincerely,
  Office of the Chairman
  Citizens

• Initial Complaint

  Date:08/17/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an account with Citizens that I am trying to close. There was an automatic withdrawal made during this transition and it forced my account to go into the negative. I work full time, I drove to a branch on 8/15/2022 and it was closed at 4 pm. I went to the *** to deposit money that I owed into the account, so I would not get hit with overdraft fees. The Citizens ***, took my money, and then said I needed to contact the branch, and rejected my deposit. On 8/16/2022, I went on my new account to try and send money over to the citizens, so I would at least stop the overdraft fees. The money was rejected again saying my Citizen's account was suspended. I logged online with citizens and spoke with a representative named ****. She said she couldn't help me. I asked her to freeze my account, stating I didn't want any more debits to come out and was told that she was not able to do this. I just want to be able to pay for the initial overdraft and close my account. How can I stop the overdraft fees if I am not able to put money into the account? I feel like this is a scam to try and get money out of me. I am being hit with $30 daily fees and I am not able to rectify it as they are refusing ***********.

  

  Business Response

  Date: 09/13/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with ******************** on September 2, 2022 via mail. 
  We have provided a copy of our response letter only here for our customers convenience. 
  
  Sincerely,
  Office of the Chairman
  Citizens

• Initial Complaint

  Date:08/16/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Citizens Bank filed a missed payment on my credit even after speaking with an agent who advised that it was not my fault, that the statement truck had caught on fire and my statement was lost. I was then advised the online system was also not functioning and the information was not correct. I was advised to make a payment which I did and everything would be fine. Shortly after I was notified by the credit bureau that a missed payment was reported to all 3 of my credit reports. I attempted to call Citizens back a total of 44 times only getting an agent twice which transferred me to a dead line. I sent an email to ****************************************** to fix the issue on July 18th 2022 and to this day have not received a response. Due to the absolute disregard for customer service and failure to have a functioning online payment system paired with the failure to deliver statements caused by a "fire" my credit has been adversely affected and left me with nothing I can do nor anyone I can speak to for a resolution. My account# is *******************. I have exhausted all means trying to fix this issue with Citizens, their phone systems and online system is falsely reporting my account. Their Agents have lied directly to me telling me nothing would be reported to my credit it was all just a system error. I am seeking my account to be properly updated and the missed payment be removed from all 3 of my credit reports. This is the only avenue I have to attempt to fix this issue. I hope a resolution can finally be made. Thank you for your time.

  Customer Answer

  Date: 08/31/2022

  I have not heard from the business in response to my complaint, I did receive a phone call from (***** - chairman of the board) who advised me that she would take a very serious look into the matter and contact me back, she also provided her number for direct contact and said I could call and check status. I have made 5 attempts to contact her after giving 5 business days for her to look into the matter, every single call, rings through to voicemail, I have left 5 voicemails and never received a return call. At this point just like trying to contact Citizen on any of their numbers to speak with a representative, it seems to be much the same with (*****) who will not return my phone calls, answer the phone or call me back. It seems like (*****) only called me in response to the BBB complaint, just to say that someone contacted me...but it appears that no attempt to resolve the issue at hand has been made.

  

  Business Response

  Date: 02/06/2023

  Dear BBB,
  
   
  
  Please note we request to have the status update changed to resolved, customer remains dissatisfied pertaining to Case #******** for ************************************     
  
   
  
  A detailed resolution was provided to our customer via phone on August 31, 2022. We apologize for the delay in providing a status update to this complaint.
  
   
  
  Although this may not be the outcome ******************** had hoped for we feel we have fully addressed this matter and consider the issue resolved.  We request the case status be updated accordingly.
  
   
  
  Thank you,
  
  *****
  
  Office of the Chairman
  
  Citizens
  
   

  Customer Answer

  Date: 02/07/2023

  Better Business Bureau: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 # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

  The simple fact that Citizens reported the wrong month they claim my payment was late shows that their records and ability to maintain a clients information is unprofessional and terrible at best. With the wrong month being declared to be late rather than when they said I was late my complaint stands even more un answered.

   

• Initial Complaint

  Date:08/15/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The business has neglected all phone calls from my wife. She has already made a complaint to BBB and CFPB. The person who is supposed to be assisting her with the case (***********************************) is now ignoring her and will not return phone calls nor answer the phone. We have requested multiple times to be given a loan modification. Once we were finally given a loan modification, the paperwork for the modification was incorrect and did not have all of the amounts. We have made them aware of this and they are not telling us what is being done. Because they are taking so long, the loan modification has expired, our loan is now in default and they are telling us that we have to pay $22,000. We have already told them that we were impacted by the pandemic during that time and did/ do not have the money to pay that. The company is ignoring us and not giving us the help we have asked for multiple times. We feel like the company is trying to scam us and feel we should start to inquire about legal counsel on the matter.

  

  Business Response

  Date: 09/13/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with **************** on September 7, 2022 via mail. 
  We have provided a copy of our response letter only here for our customers convenience. 
  
  Sincerely,
  Office of the Chairman
  Citizens

• Initial Complaint

  Date:08/15/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  An unauthorized withdrawal was made on my account, which was discovered when I reviewed my account transaction history online. After multiple calls to customer service, I was given the information that the withdrawal was made at an out-of-state branch by a person whose name does not even match my name (different spelling by one letter). In addition, the withdrawal was made at a branch over 300 miles away from my home branch. None of these seems to have triggered any alerts to the bank's employee/teller who processed this withdrawal. The BBB's records should reflect that Citizens Bank displays an egregious indifference to implementing adequate safeguards and providing appropriate training to their employees. I also want to note that in my three separate interactions with Citizens to get more information about this incident (2 calls to their general customer service department, 1 call to their claim department - Citizens does not seem to have a separate fraud department that allows their customer to file a claim directly), none of their representatives acknowledges any slip-up by the Bank (which clearly is the case here) or offers anything remotely akin to an apology. After filing a claim, there is no email follow-up or acknowledgement and customers are forced to spend an excessive amount of time on hold to a general customer service number to get simple information. The incident occurred and was reported a month ago, and they could not even give me a time frame when a refund of the unauthorized withdrawal would be made to my account. Will not recommend anyone to do business with them.

  

  Business Response

  Date: 08/31/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customer's inquiry.
  A detailed response has been communicated to ************** on August 31, 2022 by way of phone. 
  
  Sincerely,
  Office of the Chairman
  Citizens 

  Customer Answer

  Date: 09/07/2022

  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

   

  I do want to point out that the response addresses my concern by providing a permanent credit to settle the amount at issue, but I was not provided with an explanation of how the error happened in the first place and that no responsibility of the error was ever acknowledged by the bank in any of their communications or any apology offered for my inconvenience which is extremely disappointing.
  

  
  
  Regards,
  
  *********************

• Initial Complaint

  Date:08/15/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 08/12/2022 i was declined for a loan that i was previously approved for..i applied for a construction loan in November 2021 with a loan ************* He was fine at first and then decided to ignore all emails, texts and calls..He completely ignored my requests for assistance in getting into my portal . he kept telling me not to worry..but he refused to assist me.. he finally responded saying, "i got sidetracked" no apology, nothing.. I started to get the feeling that i, being a Hispanic woman didn't warrant the time and communication that i needed for this loan... he got to the point that was so annoyed because i was asking for help. he told me to find another lender. i had a great rate of ****% so obviously i didn't want to cancel it.. i asked him for another loan officer.. he gave me someone that was great in the beginning but then the same thing happened.. i think the small loan amount and being a Hispanic woman didn.t warrant his time or commitment either.. i was given so much misinformation by the new LO. that by the time we realized they didn't need the documents that they said i did, months had gone by and by then my funds were running out and my income was lower.. if we had closed on time with the original LO, i would have been fine.. but i was with one negligent LO and then sent to another one. Citizens bank has provided for us the absolute worst financing experience ever. the negligence and lack of interest and commitment is costing me a ton of money... i hope nobody ever has to endure what i had to .

  

  Business Response

  Date: 09/28/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with ****************** on September 28, 2022 via mail. 
  We have provided a copy of our response letter here for our customers convenience. 
  
  Sincerely,
  Office of the Chairman
  Citizens

• Initial Complaint

  Date:08/15/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  8/13/2022 I deposited $100 into my checking account through an ***. The *** gave a receipt for the $100 but it did not deposit the money into my account. I immediately noticed the issue and addressed it with the bank staff, *************************, who would not give me the money. My money. She filed a complaint for me. I want my money and I want an apology along with punitive damages of $500.

  

  Business Response

  Date: 08/29/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with ************** on August 29, 2022 via mail. 
  We have provided a copy of our response letter only here for our customers convenience. 
  
  Sincerely,
  Office of the Chairman
  Citizens

• Initial Complaint

  Date:08/12/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am missing a credit that was sent by ******* and never posted to my account

  

  Business Response

  Date: 10/28/2022

  We are in receipt of the complaint for the customer referenced below and welcome the opportunity to respond to our customers inquiry.
  Please note that we have fully addressed this matter directly with *********************** on October 25, 2022 via mail. 
  
  
  Sincerely,
  Office of the Chairman
  Citizens

  Customer Answer

  Date: 10/31/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ***********************