Review and analysis of over 254 Conventional Fixed Mortgage complaints against RBS Citizens
RBS Citizens consumers have reported over 254 official complaints related to Conventional fixed mortgage. Out of the 254 consumer complaints against RBS Citizens, 26% were disputed by the consumer (i.e. the consumer was not happy with how RBS Citizens responded to their complaint) and 100% were processed in a timely manner. 7% of consumer complaints against RBS Citizens resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 2% resulted in non-monetary compensation.
Submit a complaint with the Consumer Financial Protection Bureau today
File ComplaintStop harassing phone calls, know your rights and what you can do to stop them
Stop Calls
RBS Citizens Mortgage credit decision / underwriting December 4, 2015 - Received pre approval on -/-/-. Started full application on -/-/-. I was charged $470.00 for an appraisal on -/-/-. As of this evening -/-/- the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I a... |
RBS Citizens Mortgage loan modification,collection,foreclosure November 30, 2015 - Several months ago I fell behind one payment on my mortgage with CCO. I made a payment arrangement to divide that payment up into 6 payments due at the end of the month, instead of the beginning. For the last 4 months I have been paying as agreed and even paying a late fee monthly for the missing month 's balance, while they continue to report me delinquent to the credit bureaus. On -/-/2015 I found out from my insurance company that due to changes I had made to my policy many months ago, my insurance dropped significantly. The overage had been returned CCO Mortgage months ago. I contact... |
RBS Citizens Mortgage loan servicing, payments, escrow account November 19, 2015 - -/-/- I entered into a Modification Agreement with RBS Citizens Bank, in which I promised to repay the outstanding balance over 30 years at a fixed rate of 5 % APR. My principal balance of $99000.00 would be payable over the next 360 months in equal payments of $530.00 which includes any interest accured during the billing cycle. My first monthly payment at this new amount would begin -/-/-. I have now made - monthly payments of $530.00 of which none of the payments are going to my mortgage. Citizens Bank has added on to the agreement an " accrual adjustment '' of $6400.00... |
RBS Citizens Mortgage settlement process and costs November 13, 2015 - I contracted with a home builder to build a new home. The mortgage company ( Citizens Bank ) requested that I let them know when the house is 75 % complete so that they can order the appraisal. On -/-/-, I notified them that the house was - % complete. I do n't know exactly when the appraisal was ordered, but I learned the day before our scheduled closing ( which was to be -/-/15 ) that there were problems with the appraisal, and the appraiser needed to complete some steps before closing. I managed to track down the appraiser 's email address and phone number, and contacted him ... |
RBS Citizens Mortgage application, originator, mortgage broker September 29, 2015 - I am writing once again to protest the possession of my stolen documents in your possession. It would help tremendously if you would address each point specifically. Please read carefully - as you have misread and avoided responding intelligently in the past : Citizens Bank - CB - knowingly processed a loan using stolen documents. - -, 2015 Letter from the Office of The Chairman - - - confirms that the stolen documents were used : Please note that the information provided does not negatively impact you financially as the documentation only provides proof that the taxes an... |
RBS Citizens Mortgage loan servicing, payments, escrow account September 25, 2015 - I have a 15 year term 4 % simple interest mortgage loan with Citizens Bank that initiated -/-/-. I always paid the monthly loan payments early, frequently by more than a week or so. Until -/-/-, the bank provided payment coupons that did not itemize how the payment was applied- interest vs principal. This year, Citizens Bank began providing monthly statements providing a breakdown of interest vs principal. Recently, I happened to review and calculate the bank 's breakdown of interest vs principal on a current monthly statement. I found that the bank had erroneously calculated the bre... |
RBS Citizens Mortgage loan modification,collection,foreclosure September 17, 2015 - Round or about - -, 2015 I had a -. She was not able to return to work. I am is - years old, however, I could not retire completely due to financial obligation. My - caused me to go into complete retirement,. I can no longer walkout with aid. In - 2015. I submitted an application for home modification, it was denied for lack of the - being submitted timely. I submitted another application it was denied, due to lack of food assistance proof. However, I am sure the proof of assistance was faxed by another family member. Please can someone help in this matter. ... |
RBS Citizens Mortgage loan servicing, payments, escrow account September 16, 2015 - Background : I have several rental properties. - of which have mortgages held by CCO Mortgage. The properties are:169 - - -, - - CCO account number -. - - -, -. CCO account number -. - - - -, -. CCO account number -. Problem : In - of 2015, I made a payment to - mortgage for - rental property mortgages. The payment was made by mail and included the monthly statement coupons. It took me a while to figure it out, but CCO applied - payments to - - - - in - and applied no payments to - - - - in -. A thi... |
RBS Citizens Mortgage loan servicing, payments, escrow account September 15, 2015 - I filed a complaint against Citizens Bank. They made an adjustment that did not solve the problem and now refuse to return my call. I have placed - calls to the Chairman 's office. - - - calls- - call-his voicemail says he is back from vacation as off yesterdayA $600.00 ( approximate ) payment was not applied to the balance of my mortgage in -/-/-. If it had been the balance going forward along with the interest charged on the reduced balance would have been less with each additional payment since the balance would be less. The paperwork supporting this was supplied to... |
RBS Citizens Mortgage settlement process and costs July 13, 2015 - I sold my house and closing took place on -/-/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on -/-/15. - calls and - different answers, where the last person said they were n't even sure if it went out. Received documents dated -/-/15 saying my loan was paid and closed. It is now -/-/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a sup... |
RBS Citizens Mortgage loan servicing, payments, escrow account July 6, 2015 - On - - 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On - -, CCO decided after my mortgage was paid in full to make the next quarters tax payment - - in - 2015 - from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed $730.00. My town - - RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back t... |
RBS Citizens Mortgage loan modification,collection,foreclosure June 19, 2015 - Describe what happened so we can understand the issue ... I - - have been fighting with my mortgage company CCO Mortgage loan # - help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on - - 2015. I called back a week later and CCO Mort... |
RBS Citizens Mortgage loan servicing, payments, escrow account June 8, 2015 - CCO Mortgage - Citizens Bank collections department has been calling me - times a day for the last week. My account is up to date, and I have never been late on a payment since the loan originated. After talking to - people, I found out that they implemented a new policy to call their customers if payment is not made by -/-/- - even though the grace period to make a payment is until -/-/-. Payments received after -/-/- are considered late and will incur a late fee. There is no way to stop these phone calls unless I do a cease and desist ' letter. My account is in good sta... |
RBS Citizens Mortgage loan servicing, payments, escrow account June 2, 2015 - In -/-/-, I thought I was selling my house on - - and I requested my - installment of my taxes ( Due - - ) be paid early, so I would have less cash to bring to closing as my house is still underwater. Instead, as I found out later, CCO mortgage put a hold on my escrow so the taxes would not be paid. My closing date was changed then finally canceled as the sale fell through. On - -, I spoke to - people at CCO mortgage trying to find out why my taxes were not paid. The - person I spoke to in the tax and escrow department, told me there was a hold on the escrow. Th... |
RBS Citizens Mortgage loan servicing, payments, escrow account June 1, 2015 - My husband was severely injured at work. We were receiving - - payments. At times the payments were delayed for a few weeks at a time. We had delayed paying our property taxes so CCO Mortgage made our payment on our behalf. They notified us our next months mortgage payment of $550.00 would include an additional $630.00 to pay back to escrow. This was -/-/-. We paid the $1100.00 for -/-/--/-/-. - we paid $1100.00 they held this payment and it was not applied to the - bill because it was $6.00 short. I had assumed that it was being held due to us applying fo... |
RBS Citizens Mortgage loan servicing, payments, escrow account May 29, 2015 - I made my mortgage payment to CCO mortgage in -/-/2015 for the amount of $-. This is the correct amount of the monthly payment. The bank cashed the check for $- short. I was assessed a late charge for the incorrect amount paid to the bank. I called the bank and was told that this was a bank error and that this would be corrected and had nothing to be concerned about. I was also told that since I was such good customer, the problem would be resolved that day. They also said they would credit the dollar shortage since the bank was at fault. The following months passed and I conti... |
RBS Citizens Mortgage loan servicing, payments, escrow account May 26, 2015 - Charter One Mortgage aka RSB bank has failed to make timely private property insurance for the year -/-/- and -/-/-. Our property insurance is included with our mortgage payment and has never been late, Instead of paying - - charter one is force placing insurance and increasing our mortgage payment. I contacted Charter one mortgagee - and spoke with - - and - and requested a escrow statement and was advised that because I have a chapter - bankruptcy charter one is not obligated to send me information regarding the mortgage, It should be noted that the mortgage is... |
RBS Citizens Mortgage loan servicing, payments, escrow account April 28, 2015 - Received - due statement Paid -, $1000.00 [ - + - extra principal ], check # -Received - additional - due statements but no - due statement Called - CCO customer service, - - She said all $1000.00 was applied to principal and will correct it in - business days and will send the - due statement within 7 business daysReceived - due statement Paid -, $1000.00 [ - + - extra principal ], check # -Did not receive - due statement Called - CCO cust service, - - - She said that all of the - $1000.00 payment was applied to t... |
RBS Citizens Mortgage loan servicing, payments, escrow account April 6, 2015 - An over payment of approximately $1100.00 was made to - on - - -/-/2015 as final payment on a mortgage. Citizens claimed to have sent a refund of that check to my home address for that amount within 10 days of receipt of the over payment. I did not receive it. I called to request a new check. Citizen 's customer support advised that a new payment would be sent out. By - -, I had not received a check. I called again and was told to send a request for a new payment in writing to Citizens Bank NA, - - -. - in -, RI. I did so on -/-/-/-/2015 by means of bo... |
RBS Citizens Mortgage settlement process and costs March 20, 2015 - - / Citizens Bank, N.A. adds fees for additional insurance to my mortgage year after year. Year after year I 've requested the additional insurance removed, completed all required forms and submitted all requested information. I had been advised the insurance would be removed when calling after confirming I met all their requirements in prior years, but the insurance was not removed. This year a law firm has become involved, I 've made - attempts to submit the forms, only to be told today that the address that Citizens Bank provided was incorrect. I am now being asked to complete and res... |