Citizens Auto Finance Reviews

I paid my car loan in full in January 2016. After paying my loan, I received a letter stating my loan was paid in full and my car title would be arriving shortly. After 2 months, I did not receive my car title and contacted Citizens One Auto Finance. I was told my car title was mailed out at the end of January. However, I never received my car title via the mail. Citizens One then sent me a letter for a Release of Lien to take to the driver's bureau to request a duplicate title. I contacted the DMV in my state and was informed it would cost $95 to obtain a duplicate title. I contacted Citizens One again and was told there was nothing they could do about it and they made a million excuses as to why I didn't receive my title and even accused me of losing the title. I was courteous via the phone and explained multiple times that I never received the title via mail. I am very disappointed with Citizens One.

I have the same problem with Citizens Bank Auto Finance. Paid off the loan over 8 years ago. Do not remember getting a lien release letter. Now I was given a website to get assistance. The fee is $30.00??? Do anyone have the website???

If you choose this bank to finance a new vehicle you can easily run into major problems when you wish to pay them electronically through your bank and not use their login portal. Our problem with Citizens Auto Finance arose when the paper checks that our bank mails from our Bill Pay portal would arrive late. When the late payment fees are triggered and calculated, you CANNOT pay these fees using your lending institutions electronic bill-pay. Instead, their systems automatically apply the payments you make to your principal. Anything extra you pay to make things right are NOT applied to the late fees and things keep racking up. What this does is cause a compounding problem that starts adding up and generating more and more late fees.

I was out on disability for 12 weeks starting late Aug 2015, called Citizens and the lender for my home to put both on notice. I fell behind on both when my savings ran out. The credit union had no problem with it. They just asked me how I was planning to be caught back up. I made double payments when I went back to work for 4 weeks. I thought I was just a month behind with Citizens. I had the county taxes due and was juggling to get back on my feet. I was there, what I thought was a month behind with Citizens was closer to 7 weeks. I had to get a propane delivery. I had heating fuel delivered. Once I became 60 days behind, they put an order to repo my truck. My fault I did not know I went over the 60 days. Calling in Aug to let them know I was on disability??? It was their right to take action.

Do not do business with this company, they say they can help. They give you a high rate, then when it all ends they tell you to come up with 9000 dollars for a car that's not worth a thousand. They take advantage of the poor and have no plans on helping. When you ask for a manager they say, "I am the manager" then treat you as if you're a nobody. My car broke down and I was stuck out-of-town with three kids. When I called to fix it, it was basically "Pay us. Who cares that you had to be stuck out-of-town with your kids? We want 9000 dollars." And I still have voicemail that said I only owed 50.00 dollars. They are ruthless. If you do business with them you can lose everything from a matter of false promises..

They said they sent me a title in February but that was the one piece of mail lost this year. I don't believe that when others have the same complaint. Now it's time to jump through hoops with a company that provides letters that confirm that your loan is paid (for 30.00), then you get to apply for a new title through your state. I dislike having to do this sort of thing a lot! I'm not giving them any credit at all. They were very dismissive on the phone and insinuated that I was somehow at fault because I waited so long to follow up. I don't buy cars very often and forget the process. They never sent a letter telling me what to expect after paying off my loan and to look for the title in the mail which I believe every company I've ever had a loan with have done. I consider this very poor customer service and it's my first and last time working with this bank.

Been trying for 3 weeks to resolve a late fee on my account. Happened because when I paid my payment online like I've been doing for at least 5 years now, I must have hit a wrong number. No immediate notification or even notification by phone until I get SEVEN letters in the mail the beginning of August stating my loan is passed due, blah, blah. I called and explained to them what happened. They said no waiving of late fee, but they would put it through to higher-ups and see if they would consider it. I never heard back, so I called and spoke to a supervisor. He looked at my loan/payment history, saw that we are excellent payers, pay extra on our loan every month, pay on time, and said he understood the situation and would waive the fee. This phone conversation was being recorded. A week later, still have a late fee on my account. I called yet again and was told he was wrong in doing that and there would be no waiver.

I am a U.S. Marine about to deploy again. Most financial institutions will suspend any loan payment during the duration of a deployment as a courtesy. While it is not required by law, it is a very simple courtesy that can be given to military members forward deployed. Usually the only thing required is proof of orders for a deployment. However when speaking to a representative and a manager both told me that they adhere to "the law". As if caring about your customers is illegal. As soon as I have the opportunity I will be refinancing with any other bank (Mind you I have either been early or on time with every single payment, never delinquent.)

When we received our first statement, we wanted to pay off our car loan in full. One payment was deducted, one wasn't. Finally, after many phone calls and the runaround, I was told that our account was closed out and we were paid in full. A week later, I got a letter saying that they returned one of our payments because of their mistake. They wanted us to send a money order. I didn't want the hassle of that, so I called and asked to make a phone payment. They charge for those so I asked if they would waive the fee, they were adamant, they would NOT. Their mistake, but I would still be penalized.

I gave the car to my daughter and she tried to get the car in her name and it showed the bank owns my car and it was paid off in a month's time ten years ago!!! They will not deal with you!

In 2004 I financed a vehicle through Charter One which is part of this company. I paid the vehicle off within months. They never sent me a payoff letter. I didn't think that these idiots were still on my title and now ten years later I have to pay money to a third party to get proof that it is paid off!!! PISS POOR CUSTOMER SERVICE I SAY!!!!

Do not do business with this company. I have been paying on time for 3.5 years, I have paid 14,400 so far on my SUV. I still owe 12,500. The original loan was for 11,900. They are unable to produce paperwork to show where my money is going. They are rude and unprofessional. I became late by a month and a half due to a job loss. I tried to pay 3 separate occasions and every time, told they would not take the money unless it was for the full amount. They then said they would talk to the "male" on the account - sexist. These people are crooks. Do NOT USE THEM!!!!!

After paying off my loan I reached out to Citizens Auto Finance to see when they would forward my title. I was moving at the end of the month and was concerned that it would not reach me in time. I was told that it was sent standard mai and that allowed me 2 weeks to receive my title. I forwarded my mail to my new address the day after I left the old address. It had been 2 weeks at the new address, so I went back to the apt building (who held other mail I had received) and they did not have it either. I have since called them back 5-10 times to obtain my title.

Citizens Auto Finance was the lender for my last auto purchase. In order to make a payment by phone, they charge $12.50!!!!! After making my last payment in September, I still have not received my title as of 12/27!! I am told it is being held at a title agency in CA... I am an NJ resident. NEVER DO BUSINESS WITH THIS COMPANY! They find any way to rack up miscellaneous charges and offer NOTHING in the way of service! Thank you for making the auto lending process as difficult and expensive as humanly possible, RBS Citizens Auto Finance.

I paid off my car loan. I received a letter in the mail congratulating me on paying it off and saying my title would be mailed within 14 days. After waiting over three weeks, I called them and they couldn't tell me where my title was, but offered to send me a duplicate if I paid for it. I have been calling them for a week with no success. When I asked to speak to a supervisor, I mysteriously get disconnected! I am trying to obtain a loan for a new house and I need the title for the bank to use my car as collateral. A month later, I'm still waiting for the title!

DO NOT DO ANY BUSINESS WITH CITIZENS FINANCE. At the end of 2008, I purchased a 2001 Mercury Mountaineer from a used car lot in Joliet, IL with a loan through Citizens Finance. Over the next 2 years, I made my monthly payments on time and never missed a payment. In 2010, I went to refinance to get a cheaper interest rate, and to my surprise, I had amount $3,500 plus over my principle balance! I asked them where did this amount come from and they said it was due to late charges. I told them I never been late on a payment and they said I've alway paid $100 less than my payment.

My wages were garnished to pay off my car and I completed all payments on the car but the title was never sent to me. Two years later, they show up to take my car away saying I still owe money on it. I paid it the next day and they still have not sent my title. They added an insurance policy which I was not informed about and was never given a declaration page for. I had auto insurance and they were told to cancel that policy, by the way. Now, after recovering my car, I still do not have title or declaration page of insurance they supposedly purchased showing coverage time. I need help as they keep giving me the run around over this.

I was getting behind on my car payments and asked for a revision on my loan but was told they don't do that. My payments were late and we informed the bank we were making payments to bring the account current. In a 4 week period we paid the account to current as well as a payment due for the following month. However, Citizens did not post my payments for 2 weeks and as a result, the account went to repossession agents. Even though the payments they didn't post brought my account to current, and a future payment was also received, they failed to update the information on my account and as a result the car was repossessed.

I just made my last payment on my car loan finishing up all the stubs in the book. In the back of the book, there is a number to call to find out if we owe any money because they told us the last stub was not actually the last payment. We had to call for the last payment, which I did. The operator I spoke to told me I owed a late charge from June of 2008. This does not make sense because I previously had a couple of late payments and they had to be paid with right away. This just doesn't add up because they would have told us immediately if we were late and we would have to pay it at that time which was done in the past. Can you please let me know if I have a legitimate claim?