Citizens Auto Finance Reviews

Citizens Auto finance, trying to get title company to send title to Florida so I can complete registration requirements. Citizens refuse to send title, they want me to use website Mytitlesupport.com. Motor vehicle in Florida will not accept title from them. Website have many complaints. They take your money but never follow through. Need someone help. My temp tag is going to expire on the 17 September 2019. This is my second temp tag. Help! Car is going to have to sit in yard, can't use no tags.

This company has been very helpful in trying to make sure I can pay my payments on time. They have moved my due date to accommodate me. Also they respond in a pretty timely manner for all the questions I have submitted online.

The interest rates I am charged is 7% even with a credit score of 781. I am on a fixed income and am a senior. Always have paid my bills, mortgage, never a late payment. I will try to refinance out of this at some point.

My mother took out a loan from this company and as executor of the estate I tried to settle the account to transfer title to her Grandson upon her death. Months and months of total nonsense paid in full and no release finally after repeated calls and multiple faxes documents mail etc... They finally gave me a payoff amount and further instructions to satisfy the loan. Then after several months and even more inquiries and multiple faxes and phone calls moving from supervisor to supervisor I was to find out they sent the release to the wrong address. At that point they gave me the number and website Titlesupport.com where I had to start all over again with another round of nonsense. Please don't ever buy anything financed through this unbelievably incompetent company that should not be in business. If there was such a thing as a sub-sub-sub-prime lender this would be it!!!

I ordered a duplicate title, they billed and ordered it as a lien release. Canceled 5 minutes late on phone and they billed out a 10 dollar cancellation fee. Terrible service and not helpful. Explanation of service and what was needed was incoherent.

I refinanced my vehicle loan and paid Citizens One in full with bank check and my personal check for the minor difference. I went online to see if payoff was received (which it was) and noticed that the balance history did not add up correctly from October to November 2018. Instead of balance decreasing from my loan payment it actually increased by 86.00. I called (2 hours on hold) then got a customer service rep who claimed that the November payment was not received. I said I have proof of payment with electronic transfer confirmation from my bank then the Citizens One representative stated it was returned to my bank (there is no proof that it was ever returned. My bank told me and gave me documentation that they received the payment.

The customer service is great but it has been difficult paying off my auto loan as I accrue 1 cent per day and have to make the final payment via check only! I was told by two different people if I paid it over the phone or internet, the charge would end up coming right back as it wasn’t an effective method for final payment. However, paying it off in full via check may leave me with 1 or 2 random cents left by the time they actually receive the payment. It’s absurd. Why can’t we just overpay to catch any error in time lapse? Hitting that payoff down to the cent when it keeps changing seems like an antiquated method and they will certainly keep your title until that 1 cent is rectified. Just a suggestion for improvement.

I took out my auto loan for $38,000 in 2013. I have been paying $603.30 per month on time since August 2013, yet Citizens Auto Finance never reported the loan or my payment history to any of the credit bureaus. I have tried to rectify the issue with Citizens Auto Finance and with the Credit Bureaus and all I have been getting is the runaround. I'm getting denied credit and my credit score appears lower as though I have no credit when I have been paying this huge car payment for almost 6 years and Citizens Bank has never even reported that the auto loan exists.

I had a loan with these clowns for 3.5 years paid faithfully every month. Then I bought a new car on NOV. 5 and had already made my payment so I was due a refund of $260. It is now Dec. 8 and still don't have my check. I have called 3 times. Every time I get a different story of when loan was closed and check was sent and every time I am on hold for 45 min. before talking to any of their liars. Am going to call att. general in my state and report them. Stay away from these buffoons.

So I paid off my vehicle loan. The next day, when I logged in, I found my loan-account had been deleted. No trace of it existed! I couldn't look at previous payments... Or even see my account number. When I spoke with customer service, they confirmed this is their accepted policy! So... Their policy is to delete all trace of history I have had with them?!? Pretty fishy!!

Citizens Auto Finance is a horrible company. They have contracted all things title and liens out to another horrible company called My Title Support. That makes 2 horrible companies that customers will have to deal with. They are horrible because they blame one another when objectively they are both incompetent. I have never experienced such runaround. All I want is my dang lien release so I can sell a car that has been paid off for 7 years. They mailed it without verifying my address, claim that they sent a second one to the correct address but after 3 weeks it has not arrived.

I recently requested a duplicate copy of my car's title from the state. I was notified that my car had a lien placed on it by Citizens Bank so they could not issue a copy of my title. My car was fully paid off nine years ago, without ever having any problems over the course of my loan!! When I contacted Citizens Bank, I was placed on hold for no less than 50 minutes! When someone finally came on, they advised me that they couldn't tell me why there was a lien, but the only way to satisfy it was to contact a company called mytitlesupport.com. Take it or leave it. NO DISCUSSION POSSIBLE! I then contacted mytitlesupport.com on the phone, and was advised they also had no idea what the lien was for and also could not discuss it. However they could send a satisfaction of lien notice to Citizens Bank for a payment of $30.00!!!

I purchased a new vehicle in 2007. Financed with this bank. The vehicle was paid off in 2012 or 2013, I had a runaround with them trying to get the title. I was sent to Mytitlesupport.com a company they work with to get a title. The vehicle was PAID OFF and I paid to get a title through Mytitlesupport. In 2018 I used the vehicle as collateral for a small loan and my bank told me I didn’t have a clear title. I called the ** number and had an unbelievable runaround again. The lady I spoke with found my account and it showed that they had not released the lien after 5 or more years of the vehicle being paid off.

Completely incompetent. It has been over a month since I have purchased my vehicle. I have yet to receive anything from them to register my new truck. They sent the wrong document to the DMV. Who does that? They won't talk to you on the phone unless you are the account holder. I'm just trying to register my vehicle and I can't. I've never heard of anything like this. Complete joke. Pull it together.

I paid off my car and told literally 4 different people my new address to send the title. A month went by and of course the title was sent to the address I had 6 years prior. Because Citizens One screwed up they claimed they would send me a duplicate title. I called back 2 months later and they said they can't send me a duplicate title and I would have to get on my own. I called a third time for the lien release and never received that. 4 calls including speaking to a supervisor and 4 months later I have not received a lien release and now will have to pay for a duplicate title for their incompetence. Very aggravated.

Truly an incompetent agency. I needed something as simple as a copy of the title on lien through them. Not asking for the title itself, just simple proof of the lien for the DMV. They said it was against bank policy and directed me to a third party that was equally incompetent and repeatedly directed me back and forth between them and the bank. So because of a moronic policy, I am unable to get to the DMV to register my vehicle. I am immediately refinancing to USAA to avoid ever having to deal with Citizens again.

My parents are both disabled. They fell into hard times. My mom had a major stroke with a terrible brain injury along with it. She was skipping bills. So I took over last month. I intercepted the mail and received a loan statement that was high but not anything near horrid. I paid $500 towards it. Citizens cashed the check. Yesterday my parents’ car was repossessed. So thank you Citizens One. You're a great company. No warning. Nothing. I called the bank today. Terrible customer service. Stone cold service. I'm going to have them refinance their car. This is ridiculous. No need for stupidity.

I always pay on time every month. In April I was in an accident that totaled my car. Thankfully my insurance and GAP covered everything and within 3 months paid everything with 4 large checks. Citizens reported me for late payment even though I kept close communication with them about the claim process and when the check were coming in. They received over $7,000 within 2 months, makes no sense why they would report me. They acted very uninterested in my troubles every time I called, I even sent them an email a week ago and have received no response. If I'm in the wrong for whatever technicality I understand, but their uncaring attitude makes me not ever want to do business with this institution.

Bought my car in Ohio, paid it off when I moved to California. They NEVER sent me the title, it took hours on the phone to find it and then I had to PAY FOR THE TITLE. I called Citizens to try to locate the title and find out why I had not received a copy. The woman I spoke to at Citizens (Karina) was rude and not customer focused. She kept saying how busy she was and then hung up on me when I asked to speak with a supervisor. I WILL NEVER DO BUSINESS WITH THIS GROUP AGAIN. They need to train their customer service people to be customer oriented. The fact that I paid the car off and now have to pay for the title of the car I own is ludicrous. No one at Citizens knew how to help me find the location of the title. They are awful.

I have had this loan since 2008, never once paid late. Every now and then, this bank decides to call and harass me like I'm some kind of deadbeat. Happened again today. My payment is due on the 20th, I ALWAYS make it by the 27th. Here it is the 24th and they call being EXTREMELY rude asking "when is the payment coming", "we are in Collections", "how much are you sending and when", on and on and on. It is TOTAL harassment. I will NEVER EVER do business with them again. Completely unprofessional company and people!

Throughout the loan, terrible customer service. No one has answers. Always transferring you to someone else, and blaming each other. Dropped calls after holding long periods of time. I was on electronic auto pay, yet they said I missed payments and tried to charge me late fees. This is a scam operation hoping you don't check your account so they can steal money from you. Icing on the cake, I paid my loan off and never received the "letter of lien release". Then they made me pay a fee to a 3rd party title company to send the information. Terrible service, rude supervisors, unethical practices. I would rate lower than one star if that was possible.

I paid my car off 16 months ago and never received my title. Thinking it got lost in the mail or something, I went to the state building to get a new title and the state tells me that there is a lien on my vehicle. I call RBS and they are telling to call mytitlesupport.com. This company is telling me that I have to call RBS to have the lien released from my car. Meanwhile, they are not releasing the lien from my car but yet one company blaming another.

Purchased different car with dealership sending payoff check to Citizens Auto Finance. They did not post in timely manner and said they did not get check. Dealership issued another check sent overnight. Was told by Citizens that loan was paid in full but another payment was taken from auto payment. Week later they said loan was not paid, check was stopped payment. This was totally due to their inability to post payoff in time to prevent mix-up. I talked to supervisor. Assigned to another top dog and was told it would be cleared up and my refund for over payment would be soon. Three months later and still not resolved. Cannot believe this company is still in business. Story is much more sordid than this but don't have enough room to tell all. Bottom line, do not do business with this bank. Overall it was nightmare and still not resolved after three months.

The car under the loan was totaled, so the insurance company needed a copy, just a copy, of the title in order to pay off the remaining balance. I called Citizens at least 10 times within 2 weeks, asking them to fax the title copy. 4/10 of the customer services representatives told me that this wasn't allowed and kept telling me that I was wrong. I had to speak to 3 supervisors and only one supervisor was able to meet my request by personally faxing the copy herself. Worst customer service experience I have ever experienced. Not only did it take forever for them to solve my problem, it appears that none of the representatives really know the correct answer to whether faxing a title copy is allowed or not!

I had 2 car loans for my daughters, in both cases once a year for both loans, they would conveniently lose a payment. Both loans were paid using the same automatic payment through my bank, yet once a year the system that worked 11 times a year wouldn't work for the 12th. Be aware of their systems ability to generate revenue by losing a payment and then trying to charge a late fee for THEIR system. I have paid off both loans early to just get away from their dishonest business practices. Once is an error, the same month and time for four years on two loans, hmmm.

As I'll be going out of country for a vacation, I was trying to reach out to the customer service to make sure my car payments are done on time since they hit your credit score for every little thing. I have realized that all the numbers they provide on their pay statements and website get forwarded to automatic machine without an option to talk to a real person. This is the worst experience I've had with any customer service ever.

Do not use this company, they are horrible. My first payment was to be paid by the dealership where I bought my car. They sent the check to the address that was provided to them by customer service. The check was returned, they called again and got a different address and again the check was returned. I call the customer service with the dealership on the phone and a manager named James gave dealership the payment address. This was a week ago. Today when I called they still haven't received the payment, and it was sent certified.

I contacted Citizens Auto Finance and requested a payment history and a running principal balance for my auto loan. The vehicle was total in a accident and the Gap Insurance was in need of the requested documents. The customer service representative advise me that it would take 7 to 10 business days to mail the documents to me. I advised Citizens Auto Finance that it was imperative that I received the documents within a day. The representative was unconcern about the situation and could only repeat that the document must be mailed using regular mail with the post office. I asked to speak with a supervisor only to get more agitated with the response. I inquired if the document could be emailed or mailed overnight and was told no. She stated to me that because of security reason the document could only be mailed regular mail.

My car was totaled on June 1, 2016. I have been working feverishly with my Gap insurance to pay the car off. Everything is in order except they need a payment history from Citizens. I made 3 different request and still have never received it. In addition to the June payment and late fees I will now owe for July. I am at my wits end for I don't know what else to do to obtain the document I need to have this vehicle paid off. I have good credit and want to keep it that way but I refuse to continue making monthly payments on a car I don't have any longer and Citizens is holding back on providing me with this simple document that will end this all. I want to pay the balance I owe and have the check from Gap to pay the difference. I don't know where to turn.

So I took out a small loan about 6 months ago to build my credit in the hopes that I could get a new vehicle. Now one everyone was friendly and nice in the beginning but now things changed. I contacted Margot a few months prior to touch bases about my new car. All I was told was "I told you 6 months. It's only your fourth. Get a couple more payments and we will talk..." Personally I think this was rude as hell. She was so short with me and very uninterested. So I knew that someone like this WOULDN'T ever finance a car that's actually worth wild.