RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Conventional adjustable mortgage (ARM) Credit decision / Underwriting Pennsylvania

My first issue concerns the length of time it is taking to settle this refinance. On -/-/-, I filed an loan application with Citizens Bank for re-financing my home. It 's now -/-/-, and I still do n't have a closing date. They tell me this is because of delays from Underwriting. Second issue : They are now insisting that I remove security bars from all '' the basement windows in my home because they say these security bars pose a safety issue '' rather than just removing the bars from - window per room in the basement, thus addressing any safety concerns for a quick exit. Besides, I do n't see how this is any part of their concern, as this would be something that would addressed by a homeowner


welcome letter '' from -. that they were now servicing the loan. I forwarded this welcome letter to Citizens Bank last week, as they said it was my responsibility to provide proof of which bank now holds the lien on my property. Now they are telling me, that that is not enough and I should obtain more information from -. Is n't this the job of the title company assigned to my file or should n't the employee of Citizens Bank, who is handling the loan subordination take care of this? My fourth and final issue is that they are now quoting me over $11000.00 in closing costs, for a refinancing on a $610000.00 loan. That seems very high to me.