Citizens Bank Mortgage Rates

THE WORST CUSTOMER SERVICE!!! If I could give negative stars, I would. They don't do a darn thing in times of financial hardship. My last experience with a mortgage refinance was an absolute disaster. When something sounds too good to be true, it usually is. Once things get better, I am going to switch to Advantage Federal Credit Union.

Beware of using their escrow services. I have had a mortgage through them for a little over two years and have had to call several times because I keep receiving delinquent property tax bills that they should be paying. The representatives are very polite but do not offer much more than "We will look into that." Today they admitted that they paid one of the bills late (I called because the tax authority disagrees that they even sent it), but I was offered no more assurance than "Sorry this is happening." I asked how they will let me know that it is resolved, but they said I have to call them back in 5 days. Why can't they make an effort to reach out to me? I will never use this bank for anything again and will refinance when able to.

Citizens Bank is run like a deteriorating video rental store managed by teenagers. The positive reviews seem simply implausible. Just visit their website, which appears to be designed in the style of GeoCities from the mid to late 1990s, and you'll understand. The service Citizens has employed to generate positive reviews online must be effective and efficient. The bank itself, though, handles finances as adeptly as my dog would handle advanced calculus. It has become so problematic over the past year that I've begun to save voicemails and emails for a podcast that I'm sure will be entertaining in the future. The banking representatives address my wife and me as "hey, man" and have occasionally started charging us twice for our mortgage and then report missing payments to the credit bureau. "What is this credit bureau you're talking about?" a representative replies with a mouth full of cereal from her home. And I'm serious; that actually occurred. This upcoming podcast (or book?) will be delightful. So in some respect, it's beneficial to engage with Citizens, as we'll hopefully recoup the money they've mishandled through sales and advertising from "Impossible Dream: Creating the World's Worst Bank". Keep an eye out on Broadway. I could envision this as a theatrical production too.

The app is a disappointment; I can't view my mortgage statement, and there are always errors on my phone and in the app. I have called and submitted tickets so many times that I gave up. They are way behind in technology. That's why I closed my large accounts and kept only my mortgage, just because the rate I have is low. I'm very upset. Their website is weak, and their app is even weaker.

Horrendous customer service... if you can call it that. This company is clearly downsizing the human component of its workforce. Case in point: Try to find a customer service phone number. You will be rerouted by stale robots through an automated "FAQ" loop - the go-to shallow customer service algorithm of companies with an insatiable profit margins and skinny expenditure on HUMAN resources. After three hours of having several robots end my calls, I reached a human who put me on hold... and then disconnected the call. Two separate 30-minute waits for a callback. My problem? I need statements mailed to my home address. Why? Because I cannot access my account online. Why can't I just recover my info online? Because the website gives an error advising I try again later. Unbelievable. My loan product is solid, as far as I can tell, but once the ink dried on the contract, all customer service humans relocated beyond the “Thunderdome.”

One of the worst customer service experiences. Actually the worst. Mainly due to incompetent IT department. Nonetheless, the customer service people transferred the call to elsewhere when they could not help. Unprofessional!

I applied for a construction loan and was pre-approved. My original loan officer left the company and I can not get in touch with my new loan officer or the original assistant to submit my last documents. The system will not allow me to do so. I have no idea what is going on. I reached out to the supervisor and no response. I reached out to another loan officer and asked to switch. I talked to this loan officer I reached out to who said one of his supervisors would call and still nothing. What is wrong with this bank? How hard is it to call someone and let them n=know what is going on? Horrible company.

Used them to sell home to my daughter was the worst experience ever my daughter had great credit and a good job they held it against us cause she rented from and works full time for me we have a family business and as a father it’s your duty to help your children all they did was hold it against us made us feel like we were trying to something scandalous had jump through multiple hoops in order to close deal

Worst Customer Service Ever!!! Do not do business mortgage with them!!
I have been with them for 7 years and never late on a payment and I am having an issue making an online payment and the company does not respond> I can tell you how many phones calls and hold times I have been on. I have asted 4 hours of my life trying to resolve an issue that is a Citizens issue. I recommend never doing business with them.

Citizens has changed my bill delivery method to paperless twice in the past two years. This was not done by my request. I much prefer paying my important bills by mail, that way I have a convenient record of the transaction. Over the years, I've learned from experience to become a scrupulous and frugal person. I also learned that if you watch a rat long enough, it will eventually lead you to its hole. For these reasons, I believe Citizens Mortgage is engaging in some questionable, if not unethical, business practices. I have NEVER changed my bill delivery method to paperless, by accident or on purpose. But my bill delivery method mysteriously changed the first year I had my mortgage through them and now, on my 2nd year anniversary, it happened again. Nor did I ever receive any kind of notification that it had changed. The first time this happened I was willing to give them the benefit of the doubt but now, their greed has found them out. I believe this because 1. They save money on the cost of printing and sending paper bills through the mail and 2. They generate revenue by creating inadvertent late fees that their consumers must pay; in my case, it is a $30 late fee if payments are not made on time. If they switch the delivery method and don't tell you well, who is the wiser? I've also read similar accounts of others experiencing similar misfortune. Luckily, I keep track of my payments using my own system and now, I believe I have caught them. If you are shopping for a mortgage, please do your research carefully. I rarely write reviews and I have nothing to gain with this one. If I were you, I'd think twice about getting a mortgage loan through Citizens. In my case, I had little choice as my mortgage was immediately sold to them right after I bought my house last year. So believe what you will but please, buyer beware. Take care and stay safe.