Complaints

It is the policy of our company to respond to customer complaints, disputes and issues immediately, to take each complaint seriously, to investigate each complaint however small it is – immediately and to take remedial actions swiftly.

As soon as a complaint is received, it is documented and is logged into a special log. The complaint is sent directly to the Customer Complaint Officer or his designate, in order to take action.

All complaints and records of complaints are kept in a special complaints binder along with all the Customer Complaint Officer's Quality Control Files and other written policies so employees can easilyaccess them and use them to provide better customer service. Reports on complaints are reviewed during the Customer Complaint Officer's meetings with our Board. We are focused on providingfinancial products and services to all customers in compliance with all Federal and State regulatory policies including but not limited to consumer protection, fair lending and civil rights laws. For more information, contact us using the information below.


Contacting Us

If you have a complain or any questions about any legal disclaimers or disclosures, please write us by mail here:

32500 Woodward Avenue
Royal Oak, Michigan 48073

or Call us at 248-613-9044

Citizens State Bank 32500 Woodward Avenue, Royal Oak, MI 48073
Citizens State Bank
NMLS ID 729779
EQUAL HOUSING LENDER
Ramzi Faraj
VP, Consumer Lending Manager
NMLS #162269
Phone: 248-613-9044
Email: rfaraj@micsb.com

Office Address:
32500 Woodward Avenue
Royal Oak, MI 48073

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