Review and analysis of over 243 Home Equity Loan Or Line Of Credit complaints against RBS Citizens
RBS Citizens consumers have reported over 243 official complaints related to Home equity loan or line of credit. Out of the 243 consumer complaints against RBS Citizens, 25% 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 credit decision / underwriting December 1, 2015 - I am the - - for the - of - -. A resident, - -, came to see me regarding an issue he is having refinancing a home equity line he opened last year with Charter One/Citizens Bank. At the time of opening the line, the property - - owns at - - - in - - had no mortgage. - - obtained a home equity line for $75000.00 based upon Citizens ' appraisal of his home which came in at $94000.00. This year, - - attempted to refinance this adjustable rate loan into a fixed rate mortgage, but was denied by - based on their appraised value of $44000.0... |
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 credit decision / underwriting September 25, 2015 - Been waiting for Citizens bank of -, RI to release a - mortgage - since - 2015. Trying to get a line of credit. This is a old mortgage and I have refinance since this loan. Do n't understand how long is a reasonable time to wait. ... |
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 modification,collection,foreclosure July 12, 2015 - We fell behind on our mortgage in - due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a - - - from their collection department, repeatedly pressured my husband and I, -, to short sale our property. Because we help over - in equity, we found this repeated suggestion harassment. The In - -, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands - and his - - statement reflecting his - - retirement income. - - 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 application, originator, mortgage broker June 30, 2015 - We took an equity line with Citizens Bank in -/-/-. After a long process to get this loan we signed the paperwork in -/-/-. We then used the money to pay contractors to do some work on our home. The paperwork was lost '', not processed '' or just misplaced and we had to duplicate some of this paperwork for months after the loan was originated. The payment set up was incomplete which caused headaches and late charges which after a full year the bank realized their errors and reversed all those charges and cleaned the record. In -/-/- I refinanced my home and closed the equity l... |
RBS Citizens Mortgage loan modification,collection,foreclosure April 13, 2015 - My home equity line is going to the repayment phase in -, and the payment will go up by over $1100.00 a month. RBS/Citizens has sent me letters saying seek alternatives if this payment is too much or I 'd have trouble. I did call, and after getting bounced all over was rudely told there were no options for me as the house is now rented to keep it afloat since I could not sell it. They refused to do any workout or modification, but did say I could deed in lieu to them. They sent paperwork for that calling my loan in default when I have never made any sort of default in payment, insurance, ... |
RBS Citizens Mortgage loan modification,collection,foreclosure April 7, 2015 - We did a short sale on the property and have submitted all the documents as requested. Unfortunately, the property went to foreclosure due to misunderstanding at the lender side. We submitted the documents to the case specialist assigned, who at a later stage left the company which was never notified to us. At a later stage, some one else reviewed the file and declined the short sale and pushed the file to foreclosure stating that the requested documents was absent while it was already in the case specialist inbox. ... |