RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Georgia

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 : - Citizens - received the full payoff amount on - - ( we have the wire transfer documentation that states that it should be a payoff applied to my account ) - On - -, Citizens - contacted my closing attorney to get the 'authorization to close the account '. The closing attorney and Citizens - went back and forth several times attempting to fax the form. They notified the closing attorney several times that it did not come through ( I


the next 7 days, so my account still had a balance and continued to accrue interest. - On - -, Citizens - finally applied the funds to my account, NOT AS A PAYOFF, but as a standard payment. - AND, they did not backdate the funds to - - when the funds were received. - Thus, my account accrued interest until - - ( and then beyond because the interest compounded. ) Now, they want me to pay - $ to close my account when they had the funds, per their payoff quote, on - -. Additionally, the original payoff included a - $ recording fee, yet Citizens - is attempting to charge me another - $ fee a second time. * I have attached - the wire transfer on - - and the new payoff request for - $.00