Review and analysis of over 356 complaints against RBS Citizens
RBS Citizens consumers have reported over 356 official complaints related to Loan servicing, payments, escrow account. Out of the 356 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. 10% of consumer complaints against RBS Citizens resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 4% resulted in non-monetary compensation.
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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 loan servicing, payments, escrow account October 5, 2015 - This is the fifth time I 've complained to the cfpb about Citizen 's Bank, my loan number -. Nothing has been resolved, corrected or done and they continue to harrass me by telephone ( I filed a cease and desist letter to them via certified mail on - -, 2015 - it was signed for by - - '' on - ). This time, they cashed my check on - -, 2015 and it was posted to my bank on that date - yet I 've received - phone calls on my cell phone - - and - and - at my place of business on - -. Not only did they have my mortgage money, they have ignored the ceas... |
RBS Citizens Mortgage loan servicing, payments, escrow account September 29, 2015 - Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of $2500.00. they have not responded at all. ... |
RBS Citizens Mortgage loan servicing, payments, escrow account September 25, 2015 - I sold my property and my closing attorney wired the full HELOC payoff amount ( $ - ) to Citizens - on - -. On - - ( 6 weeks later ) I received a notification that my account was delinquent. With my account seemingly payed off, I was very confused. When I called Citizens -, they said my account had not been closed and I owed - $ to close the account. Again, if my account was paid off and closed, this makes no sense. After a lot of back and forth with Citizens - and my closing attorney ( including all - of us on a call at once ), the following came to light : - Cit... |
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 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 loan servicing, payments, escrow account September 3, 2015 - Repeated harrassment phone calls at my place of business on the - day of the month ( mortgage payment due on - to the - - STATED ON MORTGAGE!!!!! ) - Just to help stop harrassment, I am mailing payment two days before - - due to mail - not there yet - they are making me lose my temper at my business - causing stress - please make them stop calling me immediately., ... |
RBS Citizens Mortgage loan servicing, payments, escrow account July 14, 2015 - Over a - month period I made additional payments to my mortgage that were supposed to be applied to principal. -/-/-, -/-/- and -/-/-on -/-/- I was charged the interest due in -/-/- that would have been significantly reduced by the principal payment had it been properly applied. on -/-/- both payments were applied to principal. on -/-/- the additional principal was applied as a -/-/- payment and I was charged for -/-/- 's interest again - days prior to the interest even being due. When we discovered this issue we requested a correct to the acc... |
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 servicing, payments, escrow account July 6, 2015 - Last year CCO mortgage who holds a - on my house of less than - on a house valued well over -, purchased flood insurance at $600.00 a month and charged it to my account. I already had flood insurance at $300.00 a year and yet they refused to refund the $600.00 to my account. Those actions make them fraudulent and unethical in my opinion and those are the exact words I put on all my bills that I pay for. Last month they decided to start harassing me by placing me on a courtesy call '' list. My credit is well north of - and I have never had a late payment to them or to any oth... |
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... |