Citizens One

Beware. Citizens One sends out advertisements for so called "prequalified" personal loans and is guilty of false advertisement. This is because they have no intention of actually lending any money. They are basically running a scam to gain your financial information. I received one of these prequalified invitations to apply for a loan at a certain low interest rate, which I should have qualified for because my credit is excellent. I was initially approved for a loan under $14,000. However, the interest rate was considerably higher than what was advertised (bait and switch scam). I should have known then that something wasn't right. However, I continued and spoke with a customer service agent who walked me through the steps of signing a promissory note, truth in lending act, and linking my bank account for disbursement of funds and so that my payment could be deducted from my checking out.

Worst business ever to work with. My home loan switched to Citizens One, got charged twice for the amount for $1302 for month of November 2019 for my mortgage and tried to get it returned back to my bank acct to no luck. I called several times thru the week and no one was able to help me. Every time I called it always a different person so basically I start from the beginning every time.

This place is a scam! DO NOT DO BUSINESS WITH THEM. I applied for a loan, which came back as approved. I received an email saying they will call me to verify to make sure I am the person who applied for the loan. Waited all day without a single call from them. Then I received another email saying my loan has been declined because they are unable to verify if I am who I am. I called the customer service number and was transferred multiple times and each time I had to provide personal information for verification. Then I asked why nobody called to verify me and I was told that they don't make outbound calls, which is a complete LIE. Their email clearly says that someone will call me. SCAM ARTISTS. DO NOT DO BUSINESS WITH THEM. I will dispute the hard inquiry they placed on my credit report and report them to the BBB.

Never ever go for anything to this bank even if they are the last one on the planet. It was my rotten luck to have initially gone with this bank for my auto loan. They have no idea what is customer service. They do not call you back, they do not respond to online messages, twitter messages or emails. Bottom line, do not go with the bank.

My husband and I recently moved and Citizens One was where our mortgage was sold after closing. I paid my first month's payment as I do all my bills via online through my bank. The first payment got there. The second month was pulled from my account but Citizens One claims they never received it. They began calling my husband's work and said "that's weird" when I called and told them the payment left my account and was accepted by them! In a dispute with my bank attempting to send them payment confirmation when next month was due so I went to get a certified check to send them for my October payment.

I'm an 100% disabled veteran who has all my major bills paid by my bank NFCU, once a month on the 1st; I am charged misc. fees, & receive past due notices & inconsistent % charged on my loan. Frustrated!

The personal loans site has a page to make one-time payments and to payoff your loan. The form on the page does not function. On submit, you get the following message: paymentAmount must be of the form "99999999.999". This message has been present for 6 months (at least). I spoke with a customer service representative, he confirmed this is a known issue, they have no timeline to fix it, and could not tell me about their process to get it on a backlog.

All I see is bad reviews about this bank. Mine was not exception. Can all of us get together to formally sue this bank. They sent me to collections for a $38 balance on a car loan that I ended up returning the very next day because I didn't agree with the dealership to purchase their GAP. I called the bank and they told me they can't do anything and I had to pay or be sent to collection...and they did...Can we all do something about this bank and take this further and not just post bad reviews.

I moved from Ohio to New Mexico and had to make numerous requests for a Lien holder Title. Only to find out that Citizens One state change requests are processed by a third party and they charge $36.00 to process and release your title to the DMV. I began this process in July 2019 and have still not been able to register my vehicle in October 2019. I spoke with Citizens One and the third party, My Title Support, today and was told it would be another 6 weeks. My temporary registration runs out every 30 days, which means I will have to sit at the DMV at least 2-3 more times. I will be looking to refinance my car as soon as possible. I do not recommend working with Citizens One or their fishy "third party."

Our home loan was sold to Citizens One. Every month they processed our payment incorrectly so we had to call and waste 30-45 minutes on the phone. Everyone was pleasant, they just do not know anything about loans, how to make corrections or look up something on the computer. One month, while calling to have the payment corrected Again....my husband had to explain to a nice lady there how a payoff amount is calculated. In the past 3 months we have paid off this loan instead of another with higher interest just so we do not have to deal with the aggravation each month. I am sure it will be a long wait for the deed and 100+ from escrow.