Citizens One

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?

I have reached out to Citizens One regarding a recent November 2020 refinance of my mortgage. My Citizens One pay-off was sent and processed by Citizens one but they did not close my account. They kept billing me for Escrow payments for two months which I did not pay. This lack of payment resulted in Citizens One posting 30 day and 60 day late payment with the credit reporting agencies. As of January 20, 2021, my credit report is showing 60 day late pay on my 'closed mortgage' account. Unable to get resolution from Jamille B. in customer support. Impossible to get someone at this company to resolve issue... Next action is a formal complaint with NC consumer protection agency.

Over the period of 6 or more months, I have been working to change information pertaining to my mortgage. Forms were requested to be sent in, which were received. Every phone call to check on the status of the account lead to “requiring additional documents” in order to complete this process. Now the company is claiming to no longer have a form I’ve previously sent in. Issue is dragging out and is still unresolved. The company is NOT organized and have ZERO compassion in resolving the issue.

WORST LENDER I have ever encountered. I wish I could leave ZERO stars. Not only did your representative laugh at me on the phone after hearing me cry because you have put me through absolute hell, but you’re also going to destroy my credit over your mistake! You put my September and October payments in a suspension account and then lost my payment for November (saying it had been returned when it hasn’t). Now I’m in collections over your mistake. All of your representatives are rude and incompetent. I’ve filed a complaint through RI Attorney General, the BBB, and the FBI Mortgage Fraud department. You’re not going to steal my money without a fight, I’m refinancing ASAP. Your company is nothing but FRAUD. How is there not a civil lawsuit against this company?

If I could give Citizen's one a negative star they would have it. They have screwed up my refinance on more than one occasion. Trying to get their second ridiculous mistake corrected and all I get is hung up on and out on a several day call back waiting list. If you value accuracy and integrity especially when it comes to something as important as buying a home or refinancing you have been warned. This company is trash and place your trust in a more reputable company.

Purchased my loan from a local mortgage company. Customer service is absolutely garbage as well. Seems they have almost nobody working there. Stay away from them, not good to do business with. I refinanced, still took money from my account and then didn't give it all back after my attempts to get a hold of anybody. Me and my new company are baffled, so just take the experience from me. They say they'll try to get back to you 3 times if they miss you, they don't. Good luck if these guys have your mortgage. 1 star is too much.