Citizens One

I was pushed into using Citizens One when my loan was sold to them in May. I have been with them for almost 9 months now and so far they have made mistakes in processing 5 out of 9 payments, each of which requires me to spend an hour or two checking the numbers and talking with them on the phone. Then the resolution for these items is always super slow to apply, sometimes requiring follow up to ensure that the correction is actually applied. What should have been 9 transactions in my account history is now a jumbled mess of 46 different transactions. 46 transactions in only 9 months. Wow!

We refinance our home 15 years ago. We didn't choose Citizens One. We chose a company with the best rates and conditions from Lending Tree. Within a month, they had sold our loan to Citizens One. It was a 15 year loan and the final payment is due in June of 2019. However, because of additional payments in the past, if I continued to make the monthly payment, the loan was going to be paid off by February of 2019.

I was enrolled in the Apple Upgrade program and thought it was misleading since I misunderstood that I would get a new phone anytime after 12 payments (which was not true) so I thought the website was misleading. I was transferred to Citizens One, a person named Ryan was extremely rude and judgmental. I said I wanted to talk to someone else, he said "I can transfer you to my manager, since he is not here, you can leave a voice message". And he seems to be very confident of what he said, I wonder how Citizens One train their customer service staff, or maybe they are just spending all resources on making misleading commercials.

The telephone customer services was worthless. I had paid the personal property tax directly to the County of residence prior to Citizens One taking over my home loan. The result is a huge surplus in the Escrow. Citizens One would NOT follow my request to apply this excess to the principal balance. The result is that they held on to over $10,000 of excess balance for an entire year without allowing me access to these funds.

I paid my auto loan off early. I'm trying to sign the vehicle over to my daughter in law. I mailed the final payment on 11/5/2018. They cashed the check on 11/16/2018. I'm still waiting for them to get a release of lien to me. Something that is necessary in the State of Michigan. I had a supervisor from Pennsylvania tell me that I didn't need that, after I stood in line at the DMV and had them tell me the paperwork Citizens mailed me was WRONG! What the Pennsylvania supervisor (Craig **) knows is: NOTHING. I've called Citizens one three times now. Every time I call - I'm told something different. Turn around time is two hours to fax a release. Turn around time is 24 hours to fax a release. Turn around time is 48 hours to fax a release and they don't fax anything on the weekends! This place sucks!! I will never finance a vehicle with Citizens one again.

I would have given zero stars if possible. I was funneled to them through the iPhone program. I expect more out of Apple to pick a better partner. They've continuously screwed my account up. I gave them new credit card and they reverted back to the closed card. They don't call you they email. I very seldom look at my personal email. It happened again, I gave them another card. They still ran the account delinquent for two months instead of taking the correct payment to get the account up to date. It has just been a mess. Do yourself a favor and as long as Apple uses this vendor get your iPhone somewhere else.

I was trying to adjust online payments, but I could not log in. It said my account was not recognized. After 1Hr 12Min on hold I was told to click on an obscure link that directed me to a totally separate and rudimentary site where I am not even sure I achieved what I wanted because the website is too basic. I would take a higher rate somewhere else to get better service.

I started my payments with a credit card but decided to switch over and make payments with my debit card. They will not accept Debit Cards as a form of payment. It's 2018 people, why won't you accept a Debit card as an acceptable form of payment.

It was time for iPhone upgrade and proceeded as Apple had indicated by following the prompts. Enter SSN and provided business credit card. Initially it was declined. I thought it was a glitch. I did it with another card and was declined again. Few min later I got an email telling me it was declined because of my credit score (which’s is satisfactory). I was very confused. One hour later I decided to call to better understand what happened. Guy on the line was clueless as to why it was declined however he acknowledged that it has to be something “wrong” since I have been part of the iPhone upgrade and never been late in my payments.

I'm going to keep this as short as possible. Basically called in to resolve a problem with the iPhone Upgrade Program application. Very unusual but resolvable problem of a card being identified as debit, when it is credit after all (app doesn't take debit cards). Called in to resolve the issue over the phone, and the specialist puts in a ticket to technical support to manually review the card. Calls me back 2 days later to inform me that they are still detecting it as debit and that they have no further resolution and my only solve to the problem would be to use another card.

This bank is the worst bank to deal with, they don't have any compassion for their customers and have no choices for anyone who is out of work and can't make a car payment, to defer a payment on your car loan and have to pay the interest charges on your loan is crazy, the interest on the loan is more than the principal, if you're out of work how you can you pay anything in time of hardship, they only have one option for you to choose from. Find another bank, anything can happen in life and they have no soul. It's all about the money and no cares about the customer.

I had spoken to Troy and his Assistant Susie back in July to obtain a mortgage pre-qualification. I had asked multiple times not to have my credit pulled, verbally and in writing, as I was evaluating several lenders at the time and simply wanted to get information on potential interest rates. He did not even care to look into my file without pulling my credit and clearly mentioned that he had no interest in assisting with the loan without doing so. 2 months later, after never hearing a word from him, he randomly pulls my credit as well as my husband's credit from all 3 credit bureaus, without our consent. I already closed on the loan with another Bank and own the property. I have called him and e-mailed him to request a letter of deletion for me to use with all 3 credit bureaus and his response was "I'm at the gym. You're going to have to wait".

This “business” operates like an Abbott and Costello skit. They stopped sending payment stubs while in bankruptcy but blocked my discharge unless I paid 5k -which I did. Only to find out that they put a lien on my property. I called to find out why and how to fix things, start making payments again since I still didn’t receive any payment stubs. I got the schtick from a so called manager. I was told since it was charged off, they wouldn’t send payment stubs and I didn’t have to pay but have to pay to remove the lien but the balance wouldn’t change. Well, as I get credit report alerts that was a lie! Still no contact or payment stubs from them and the balance is now 6k over the supposed no changing balance. These people need to be out of business.

I received a personal loan offer from Citizens One. I could not get the website they sent me to take the invitation code to even check my rate. I checked around to find some way to contact them and found nothing. For a company that wants my business they sure make it impossible for me to give it. I would deal with a loan shark or the mafia before I would deal with citizens one. Tell Citizens One to pound sand. Put them out of business!

We have a Vivint security system installed in our home. Love the system, hate this company that we were not told about at installation. No way to contact, deals with student loans and I have three doctorates along with an MBA. No student loans. What a piece of crap.

I just cannot believe for 1, that they are a mortgage company, and you cannot email them, or reach anyone after hours, my biggest gripe is, I use a bill payer system through my bank, most all banks and mortgage companies have what's called electronic banking, but no not this antiquated place. They will only accept snail mail checks for payments, I think they are doing this so your payments will be late, and then they can tack on a 65.00 late fee. The bad part about all of this is I did not pick them. They bought my loan from my old mortgage company. Please get with the times, and get with real customer service...

I financed my car through Citizens One, and the entire process has been a complete mess, mostly because of them. Originally, I had taken out a warranty on the car but then decided I no longer needed it so I canceled the warranty. The warranty company initially stated I would get 62% of the warranty refunded, but I fought them and they agreed they had miscalculated and I should get 92% back. The first check had already been sent to the dealer, who had forwarded it to Citizens One and it was applied with no issue. They issued a second check for the remaining 30% of my warranty back to the dealer, who forwarded to Citizens One, and... nothing. It was never applied to my account, nothing ever came of it. I called multiple times, and they stated they couldn't even see the check. So I talked to my dealer. They showed me a copy of the check they mailed. I call Citizens One back, and they basically said they couldn't do anything.

I went through a refinancing with Citizens One upon being referenced to them by my Northwest Mutual adviser. The people I worked with were nice. However, they made several mistakes and I felt in the dark about the whole process. They had mistyped my email and were sending things to the wrong email for a while. Everything nonetheless went forward until I hit a roadblock: after paying $600 to get an appraisal, upon seeing the appraisal, Citizens One informed me that we could not go forward with the refinance because my house is "round". The very first phone call I ever made with them, I made very clear that my house is round. But now 2 months and $600 later, they tell me it's a surprise to them. They made no attempts or apologies. They attempted to help me out a little by referring me to a place that could get me a home equity loan but that never went anywhere. I'm very disappointed in Citizens One. Don't use their services.

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.