Citizens Financial Group, Inc. Mortgage Complaint

Citizens Financial Group, Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Massachusetts

Good Morning, I have submitted a claim number -, which CCO mortgage did nothing to answer. My complaint has - issues. 1 ) My house was incorrectly appraised in -/-/-. This is obvious by their appraisal in -/-/- and again in -/-/-. My house dropped by - %, but my area dropped by -- %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? CCO mortgage please and answer these - complaints.