Citizens One

I had no choice but to go with this company as my local lender sold my mortgage. I get it. That's what they do. BUT OMG. This company is useless. I have been calling since December 2020 to have my loan modified. It's now July 29 and I am STILL waiting. I have called every week for the last 7 months and get told something different every single time. My account has been "escalated" 3 times in the last month and STILL no phone call, no follow up, no email, NOTHING. I can't even refinance because of the status they have put my account in while we wait for an answer. I'm absolutely trapped and it's completely their fault for being incompetent. Seven months I've been waiting for an answer! It's absurd.

My auto loan was sold to Citizens One and after the issues I'm having with them I'm looking into switching loan companies. I've been making auto draft payments from my bank account for the past 3 years and suddenly my bank account information was no longer in their system and my auto payment didn't go through. I was then sent a letter that unbeknownst to me I was incurring late charges. Their online system wouldn't allow me to sign up for auto draft payments and said the account was uneligible, even though it had been eligible for years.

So I got this loan a year ago in August as we got Vivint security systems and this place is a joke! I paid my loan off two days before my auto pay was suppose to come out on 6.12.2021. I paid the left over amount on 6.10.21. They told me that my regular payment couldn't be stopped and that it was to close as it was auto payment in two days. I was fine with that. Then they told me that I would receive a paper in email stating, "Good job. Your loan was paid off." Then they decided to just have my pay on the 6.10.21 be my month payment even though that was not my discussion and they record the lines. So this is a joke.

We have a loan w/ Citizens One that in my experience is about as predatory as a loan can get. Statements usually arrive about 10 days after the statement date, which gives you about a 5 day window to get the check to them. Late charge revenue is the goal with these derps and they are pretty good at generating it, I imagine. This is a garbage loan to get yourself into and if at all possible, look to work with your local banks or another lending source if you are told the "good people" at Citizens One want to handle your loan.

I had a situation where I applied for credit through Walmart partnership with Citizens ONE. I was fully approved but was unable to complete the purchase as it kept getting flagged as fraudulent. Essentially there was no way to complete the transaction and they ran my credit under false pretense. I was guaranteed a product if I was to be approved for financing. I was approved and unable to purchase the intended product. When I called in for assistance I could not believe that I was actually talking to an employee of Citizens ONE. They were completely useless, rude, insulting and utterly disinterested.

This bank is the most unscrupulous mortgage company I have ever dealt with. The customer services agents are probably not in the United States, and really don't care about resolving any issues. I signed up for the covid forbearance program for 90 days, and for the past 6 months they have refused to remove me from the program. I have called several times to have my account taken off forbearance with no success. I have made several payments on time for the past 3 months and spoken to at least 20 agents requesting my account be returned back to normal, with no success. The 3 payments I have made has not been applied to my account, and I just received a alert from my credit monitoring bureau stating my mortgage balance has increased. How does one's mortgage principal increase when I'm in forbearance?

If you want to refinance your home I definitely would not recommend Citizens One! We started our refinancing with them in October 2020 because we have our current mortgage with them. It was February 2021 and we still did not have a closing date. First they came back and told us we needed another heat source so we put a mini split in then they came back and told us that wasn’t good enough. That we need an electric baseboard.

Sadly Citizen's One in RI. Has been a disaster. Home Equity Loan paid every month since '08. Citizens attempts to change the date of payment. Bank employee initiated an unauthorized advance to my a/c.

Citizens One did not pay my property taxes. After reaching out to them, sending the tax bill 2 times and sending a letter to the president of home loans, I finally had to go and pay the taxes myself. They sent an escrow refund and assigned a customer advocate. She does not answer the phone or return calls. Customer service can't help. Now I'm afraid I will have the same experience with my insurance due in April. I'm requesting cancellation of my escrow which I was told today would take 3 months. This is the worse experience that I've ever had with a mortgage company. They bought my loan. I didn't choose them. I don't know how they continue in business. All experiences seem to be about the same. It seems like this should be a RESPA violation. I will be looking into it.

This bank is the most unscrupulous mortgage company I have ever dealt with. The customer services agents are probably not in the united states, and really don't care about resolving any issues. I signed up for the covid forbearance program for 90 days, and for the past 6 months they have refused to remove me from the program. I have called several times to have my account taking of forbearance with no success. I have made several payments on time for the past 4 months and spoken to at least 6 agents requesting my account be returned back to normal, with no success. The 4 payments I have made has not been applied to my account, and I just received a alert from my credit monitoring bureau stating my mortgage balance has increased. How does ones mortgage principal increase when I'm in forbearance?