Citizens One

I tried to call and update my billing information. I was told because I was not on the loan that I could not pay it. When I requested the website to change information for the loan and for a complaint address, I was told because I wasn't on the account that this information couldn't be given to me. After 30 minutes on the phone, they continued to be rude and not allow a payment. They want to charge a late fee, but would not allow me to pay it. Also, my husband who is the account holder is working out of town and unable to call. I have all his information, including a POA while he is gone and still they refused to provide me any information or allow my payment. They have horrible customer service. Juan #** and Leon #** refused to allow me to speak with their supervisors or give me any information as to how to file a complaint or go online to correct my billing information. All I wanted was a website.

The experience I'd like to give is a zero but I am required to pick a minimum of one star. - While I was in arrears with an iPhone loan, I explained my situation trying to find out what I could do. The correspondence I received from them looked like, felt like, and tasted like spam, so I ignored them. Thinking an official document/phone call would be forthcoming. I finally received what looked like a copy of a copy of a faxed form letter from Citizens One. Now that definitely looked like spam. My personal data was breached twice in the OPM data breaches as well as in retail store ones. And my credit card data was stolen twice.

If I could give them 0 stars I would. I received a notice charging me a $29.64 late payment fee. I called because I am 2 years ahead on my payments. They told me they would correct the problem and issue a refund. A week later, I received another notice with another fee attached. When I called again, they informed me they were working on correcting the problem (the way they applied 2 -$3000 payments) but it was not "a rush". Meanwhile, they keep assessing me with more late fees and apparently not in a hurry to correct their mistakes.

Told me I was pre-approved (Personal Loan). Put a hard inquiry on my report. Asked me for a 4506-T to get my tax returns straight from the IRS. Then denied me 3 different times because they said I didn't provide enough information, even though I gave them everything each time AND the IRS sent them my returns. Wasted a whole month. Even worse was the customer service. They refuse to explain their denial and read boilerplate legalese. The supervisor refused to tell me what specifically they were missing, was rude, and actually told me that they couldn't verify even my name from my credit report or the IRS tax returns. Even my name. Just to get me off the phone. Obvious B.S. Stay away.

I sent in my check for a payment for my car to Citizens Bank. They opened the envelope and tore the check. They sent it back to me in the mail and never notified me over the phone. After 20 days they notify your credit bureau and will hurt your credit. They charged me $15.00 late fee for their mistake. I wanted to make a payment over the phone and they want to charge me $20.00 processing fee.

I have been making payment for over a year to Citizens Card on time and always twice or more than minimum payment require. Last month I sent the payment in a two days after due time and they charge $ 27 dollars late fees. Like all the payment on time mean nothing. These people are thieves and I would never deal with them again and I will try talk people from dealing with Citizens. I will tell everyone stay away from Citizens Bank.

To put it bluntly, it is very hard to take advantage of the balance transfer offer I received from Citizens One. The interest rate is very good, however I have posted a warning in my tracking spreadsheet to myself. This is to remind me not to purchase anything during the time which I am paying down the balance. Okay, I got that pretty much under control. I put the card in my "sock drawer" to make sure I don't use it. This is because as soon as you use the card for a purchase, the entire balance reverts back to 17.74% (in my case).

With my soft inquiry pre-approval I requested rates, was told I was approved so I applied and got a flat denial which will hit my report as a hard inquiry. Not impressed as I don't apply unless I am sure I can be approved. Asked for far less than maximum I was supposedly approved for.

After my interactions, I wouldn't trust these morons to make change for a dollar. They screwed up my loan, admitted to it but told me there was nothing they could do nor was there anyone that I could talk to.

Citizens One Home Loans bought my mortgage loan. After they bought it they would only apply $20 from each payment to the principal on my mortgage. When I questioned them about this they closed out my escrow account without applying the money to the property tax or principal. They also don't send me my property tax invoices and had I not checked into it on my own my house was being put up for a tax lien sale. I also found out that they aren't even licensed to do business in the state that I live in. They need to be Shut Down and Face Criminal Charges.

Mortgage modification - This company jerked me around for 15 mo after never missing a payment and has completely ruined my life and credit! Had to hire a lawyer! At 800.00$ a month. Why isn't someone doing something? They have ruined my life.

Nightmare to deal with. I had to keep emailing them to get any response as far as my refinance. I will no longer use this bank as soon as I can. They are the worst and will lie to you just to cost you a 600$ house appraisal. Please listen to what I say, do not use this bank if at all possible.

Got a letter Oct 4 saying what my new monthly payment was and then it would start with my next payment. If the box has the wrong number, just change it. What a joke. Tried multiple times to do that - no dice. If I do not have to pay the old amount which is nearly twice the new payment, why should I. So finally, my payment is late. That's when the real fun starts. Told the payment site today I would pay by tomorrow, so started to try. When I click on "make payment" it now tells me that since I am paying the loan off it cannot be done online. Tried multiple times, same thing.

PROBLEMS: automated phone system & lack of way to talk to a human to resolve. EXCESSIVE amount of time (3 to 4 weeks) to get title after they have deposited check (and it shows up on my bank account). Having come near the end of the loan, I attempted to pay off the load and called the customer service number on the billing statement. Customer Service is almost entirely automated, but it does provide a method to get the payoff amount, information on where to send the payoff, and a method to make payments electronically. The system recognized the account number for generating the payoff amount, but for attempting to pay off electronically, the SAME account number was not recognized on many attempts.

I work in web. Perhaps my standards are too high. The website experience for this company is so astronomically bad, I don't even know where to begin. There are at least FOUR login screens, so figuring out which one is appropriate for your loan is its own challenge. Once you actually successfully log in, the user interface is a cascade of dog poo. The "Make a Payment" button doesn't allow you to do that. Not sure why it's labeled that way. Anyway, they got a single star back because they financed my thousand dollar iPhone for free, but sweet Jesus, why is it so difficult to manage your account online? If anyone from Citizens One reads this, I know a good web guy...

I have only had my loan for 12 months out of 36 and 2x in the 12 month period my loan has generated a late notice when payments were actually early. I call it gets problem taken care of but come on now should I really have to call them to begin with if idiots processing payments could read? I am going to look into who to complain to government wise as this bank should not be allowed to loan money. No apology when you call them out on their mistake either.

This Bank refuses to credit my payments on this home line of credit (that they changed to a mortgage without telling me) and has twice sent in preservation people and started foreclosure which I bought my way out of. I just want an attorney for this if anyone knows of one.

My mother had taken out a car loan through this company (which she was given a horrible deal to begin with), unfortunately she passed away 3 months afterwards. I called the company to settle on a price to pay off the vehicle, as she owed about $7,000 more than what the vehicle was worth. After speaking to 4 different people, 3 of whom were managers, and being lied to by those 4 different people, they finally transferred me to the department that negotiates and settles loans. After calling this department several times and attempting to work with them (attempting meaning they dont return phone calls, dont follow up and dont engage with customers). These people are DISHONEST, hard to work with and difficult to communicate with. I have been LIED to by at least 7 different people now and have contacted them more than they have contacted me. This is a HORRIBLE company to do business with, would stay as far away as possible.

I had a loan with Citizens One to do an addition on my home. The loan was for 200,000. 2016 I received a notice saying that the balance of the loan had come due. Not having an extra 190,000.00 I applied for a modification. Through out my loan I was never late with payments, never missed a payment. I started this process August of 2016. I am now on my fifth time of having to submit a ridiculous amount of paperwork and start process once again. They are now threatening to foreclose on my home that is valued at 2.5 million dollars. Because of the amount of time that has passed they have ruined my credit. It's now in the 500 when I've always been well above 700. Therefore no other loan companies want to touch this. My primary home loan is up to date and always has been. I can't believe that this company has made my life a living hell for a year. If anyone has any suggestions please contact me. This is so wrong!

I had a loan with them for the Apple upgrade program. I pay monthly payments and it makes me eligible for upgrading to the new phone, or I can pay the balance and own the phone. All was fine in the beginning. Then, I started having issues with my phone to the point where I was no longer enjoying it. Apple's customer service was under the impression that as long as I had made a year's worth of payments, that Apple was satisfied and I could return the phone and the contract would be void.

I hate the system Citizens One has. I wanted to pay off my personal loan, with my debit card, I was told they couldn't accept a debit card and that I could only pay off my loan by calling them with a check. I then told them that I had my Credit Union cut a check for the balance of my loan and was told from customer service that they would not honor my bank and send it back to Credit Union.

I currently have two loans with Citizens One. One loan on my primary residence is a 5 year ARM. When I was contacted by Alex ** from Citizens One at the end of March regarding refinancing, because I would be getting an adjustment in July, I decided to go forward with refinancing. After providing all financial information over the next month, including all rental information, tax returns, etc., Alex indicated that I would need to take a distribution from my IRA of $50k to make the numbers work to qualify. At no point was there any indication that we would not qualify for the refinance, especially since we had just received financing in January for the purchase of a different property, and were required to take an IRA distribution, similar to this situation.

I have been in the process of an equity line of credit for over a month now and I find the customer service to be horrible. Very unresponsive, and they take over a week to respond to you. I got a hold of a manager, and he casually put me on speaker phone for our conversation. I sent him some files for the loan and he failed to upload them into the system correctly, whereas the agent told me she is waiting for him do to it. If I had taken my time and done some research, I would never have gone with Citizen's for the money.

Application process, they can't connect the returns of our business and personal. Good luck to those buying a home. As far as the process department, lack of common sense. I own a company, we put down 80% of the loan. They ask me for this and that. They could connect the business and our personal return. They wanted P&L, which we gave them. Then they wanted one for the 1st quarter. Told them, "my accountant only does it once a year." Got to a point, I told them "if you don't want the business, I can pull the 20% and not even blink an eye." That shut them up. This stem from 2008 with those interest. Only loan THEY gave out and loss.

I have been fighting with Citizens One since April 30, 2017 regarding an over-payment on an auto loan. It took them 22 days to return the money after I spoke with 5 representatives (where I cited the names and dates of who I talked with), reporting them to the BBB, and filed paperwork disputing the charge with my own bank. The company's "customer service" response was hateful citing that they would "have a researcher call me back after they had reviewed the taped phone calls." Would NEVER do business with them again. I am moving my loan as of today. Goodbye and good riddance.

Stay away from Citizens One Home Loans. Whole experience has been a nightmare. Mistake after mistake and absolutely zero customer service. Now I can't get them to pay my tax bill from my escrow account and bill is past due. Been trying to get them to pay for a month now and nobody wants to help. I have never experienced such poor service from any company. Period!

I have requested to speak to your CEO in reference to a MAJOR ISSUE that I have with my Loan and escrow and am being today that I can speak to him??? I cannot understand why a customer of yours/his cannot voice their concerns to the company that I "hired" to finance my Home Loan. I have been dealing with this issue since July 2016 and have gotten nothing less than the runaround. I am a VERY FRUSTRATED AND UNSATISFIED CUSTOMER OF YOURS.

I inquired ONLY about modifying my equity loan. When I realized it was just a banking scam that would only be for financial crippling, I did not pursue the issue. Citizens Bank modified the loan anyway, converting it from an equity loan to a mortgage loan. The "new loan" included an amount much greater than was due on the account. Since I was missing several statements, I asked them to send me copies of them so I could sort through the mess. There were clearly at least two missing payments. The loan is now with an arm of Citizens Bank called "Citizens One Home Loans." They epitomize incompetency.

I had no idea that Apple was using Citizens One instead of Barclays or their own company. Citizens One is HORRIBLE! Do NOT use them. Use Barclays card or some other card that offers 12-18 months 0% interest. Do NOT use Citizens One. They have terrible customer service and take a long time to refund money. They send out letters stating they will refund your money in 5-7 business days - but it took almost a month. This included several phones calls, a letter, and fax to both them and my credit card company. My next step is file a complaint with the Attorney General Office. I'm losing respect for APPLE. Although I've had Apple products for well over 10 years. It's a shame that they use a scammer to finance their products. UGH! This is your WARNING!

I was a highly regarded customer at Charter One Bank. US Bank purchased Charter One and for some unknown reason, my line of credit was purchased by Citizens One. Because of health reasons I was forced to sell my restaurant. My loan has since matured and has come due. I have tried to get someone from the bank to work with me in regards to restructuring my Ioan. I was recently place on Social Security Disability income and am having a hard time making the full payment. I am asking to have my payment modified or wrapped into my mortgage. I was told that I do not qualify because I no longer make enough money to qualify for a refinance on my home loan. It feels like they want me to default on my loan or force me to sell my home.