Citizens Auto Finance Reviews

I have a fixed rate loan and the monthly interest is fluctuating like a yo-yo. I’m retired and the day my ssi check hits I make the loan payment earlier than the due date. November 2022 my auto loan balance was $51,924.26 with interest of $224.55. July 2023 balance of $46,513.02 a difference of $5,411.24 but they charge $255.53. A difference of $30.98 more monthly interest on a balance that is $5,411.24 less. The customer service representative English was not her native language and I had to constantly ask her to slow down so I could understand her. She was unable to explain but only state interest is calculated daily.

Called this company 3 times and they did not help but keep giving me inaccurate information... Supervisor Barbara told me that I should have took advantage of the covid extension when they had it but there was no need because we did not have a covid outbreak... Their customer service sucks and they do not help there people... We pay all this money to get no help. Unfortunately my covid outbreak occurred at the end of the pandemic and there was nothing they could do to help me but tell me to borrow from someone else when I had workers comp coming available... They waited until the last minute where it was too late to tell me that I was only qualified for a 60 day extension instead of a 30 day extension which caused me to have to pay more interest fee... If I could rate this company a 0 star I would, I hate this company and will be reporting them to the BBB and any other that I can report them to for their horrible service.

I refinanced my truck after being completely fed up with Citizens and first they lost the $18,000 check and then my new institution issued a new one. They then had to get a supervisor involved bc they marked my payment as late even though it was their fault. The new company and myself have been trying for 4 months to get a lien release and still do not have it. The customer service has no clue what's going on and doesnt help. They won't fax or email and refuse to send me a copy of the letter. Seriously the worst company ever. Highly recommend everyone stay away from them.

Expect huge problems from this company. Paid off my car loan on a call that they have recorded. They put title in Dealer's name, sent there, lied about sending it there and are now forcing me through an appeal process for THEIR errors when they have the fall on file. 2 months, no title. Total incompetence and dishonesty from everyone I've dealt with. Take 1 star reviews seriously.

I purchased my vehicle in 2013... I made on time payments for years. I ran into some financial difficulties after a workplace accident left me without a job and another time when I was laid off due to COVID19. I called to explain my situation and try to get my payments reduced or get a extension. They would not help. Period. They repossessed my car 2 times and I had to get it out. The people they work with to repossess cars come from as far away as possible and are not the most scrupulous of people. They, Citizens One, claims they don't know the companies that do the repossessing for them, therefore, they have no control of who picks up and takes your car. I had to call the cops on one lady as she would not release my car after payment.

We paid our vehicle off in end of October and it’s been 9 months still no lien release. Our bank has tried and we have tried and still have not received it. Terrible service and they aren’t willing to email it or fax unless it’s 24-48 hours for a fax. Still the fax is yet to be received.

From the outset, this company got everything wrong on my statements, including my name. After calling in to try and address the issue, I was told the situation was resolved, only to later see that was not the case. This happened four times so far. It seems that no matter who I talk to, the customer service folks here are completely incapable of completing the simplest of tasks.

WORST WORST WORST WORST WORST Customer service ever. They are refusing to pay me back money after my auto loan account was closed over a month ago. Was spoken so rudely too when inquiring when my check would be sent, for which they told me since my account was closed they can't send a check.. WHAT? SO horrific, do NOT use them!!!!

This bank is a joke. The customer service department is terrible. I was on hold for over 20 minutes and hung up on. I had to call back and was on hold for another 15. The whole process took over an hour! They owed me a $350 credit and “forgot” to send the check out. It is not 10 days before Christmas and I have a 3 year old daughter to shop for!!!! I am disgusted by this bank.

We financed a car with Citizen and then refinanced with another bank. For four months we reached out to them by phone and to a branch in person to request the title and got the run around each time. Finally, after a visit to the bank who paid the loan Citizen didn't send the title but sent a lien release letter. They'd never admit they lost it or whatever so just sent the lien release. WHY SHOULD THEY PAY THE $50 FEE FOR A DUPLICATE TITLE WHEN THEY CAN FORCE THE CUSTOMER DO IT??