Mortgage -- Trouble during payment process -- Complaint #17998325
Complaint Overview
Complaint ID: 17998325
Company: Citizens Financial Group, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Trying to communicate with the company to fix an issue while managing or servicing your loan
State: California
ZIP Code: 90043
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My mortgage servicer, Citizens ( XXXX # XXXX ), is reporting a false 90-day delinquency despite my payments being made on time and processed successfully for the past 12 months. I request the CFPB compel Citizens Bank to : I have attached : Bank payment history showing consistent monthly electronic payments Their own delinquency notice, which contradicts itself County tax records proving proper handling of escrowed taxes ( I paid on the XX/XX/XXXX XXXX it shows as online echeck ) PLUS loan denial letter directly caused by their false reporting I have suffered measurable harm, including denial of federal student aid due to this false reporting. Servicing Errors : Misapplication of XXXX XXXX payments False delinquency reporting to credit bureaus Failure to respond to multiple requests for escrow breakdowns Failure to provide a mortgage payment increase justification Failure to provide an escrow analysis Foreclosure threats during an unresolved dispute Refusal to investigate errors Major credit harm ( student loan denial, rental denials, interest increases ) I mailed a RESPA Notice of Error requesting a full payment history, escrow accounting, and correction of the false delinquency. They have not responded. The evidence shows I paid on time, yet they continue to report false information.
Frequently Asked Questions
What is Complaint #17998325 about?
Complaint #17998325 was filed against Citizens Financial Group, INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
How did Citizens Financial Group, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Citizens Financial Group, INC.?
Yes, visit the Citizens Financial Group, INC. company profile at readthecomplaint.com/company/citizens-financial-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.