Citizens Financial Group, Inc. Mortgage Complaint

Citizens Financial Group, Inc. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Ohio

after giving me the run around for a couple of years I was able to get citizens bank to refinance my loan I have had with them for 11 years at 6.74 % they sent me a package with things they would need from me to close loan, - thing was 30 days worth of check stubs.i imformed them that I had - 2016 stubs and I have been on workmans comp since - -, 2016 for an - that I exacerbated working. after i told them that they told me that they would not be able to refinance my mortgage because i was on - i imformed them that me working does not pay the monthly mortgage on house in question. i was told it had to do with debt to income ratio, i imformed them with a refinance that would lower my debt to ratio from paying them $260.00 a month with a refinance my payment would only be $120.00 a month. also they doubled up my debts and listed them twice on application as to make it look like i had more debt than i did. they also failed to count income on a house i own


i see it they will use any and everything to keep me from paying a lower rate on this mortgage and i think that is very wrong. basically more money in the banks pocket. also they wanted me to pay for appraisal fee out of my own pocket while they pick the appraisal company this seems like they are setting me up for a lowball appraisal that way they can deny me because appraisal came in to low. all houses so far that i have refinanced the appraisal fee was written into loan with other closing cost. i thought turning people down because they are - was against the law