Mortgage -- Struggling to pay mortgage -- Complaint #6589483
Complaint Overview
Complaint ID: 6589483
Company: Citizens Financial Group, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: New Jersey
ZIP Code: 07052
Date Received: 2023-02-18T12:00:00-05:00
Date Sent to Company: 2023-02-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My loan was recently moved from XXXX to Citizens. I am behind on my mortgage. XXXX was trying to help me, offered a payment plan ( doubling my monthly payment ) but at least it was something. Citizens will not help me and is forcing me into foreclosure. I called them and offered to send $ XXXX today, total with fees due is $ XXXX. They will not take less than $ XXXX and as of XX/XX/XXXX they will not take less than $ XXXX. They offered me to apply for a loan modification program, but I was denied by XXXX. I don't need it modified, I just fell behind due to a loss of employment/income/covid and now they will not help me. How is this legal? I am going to reach out to my senator and congressman also. This should be an illegal practice. I am offering to pay 58 % of what is outstanding and they will not take it? Also when I call I am speaking to people in call centers outside of the US. Also I am getting letters from XXXX XXXX XXXX XXXX ( certified and regular mail ) stating my file is with them and I should call them. I called them on XXXX and didn't hear back. I called Citizens and they acknowledge this is a firm they use, but my file is not with them and I should not pay them. Is this a SCAM? XXXX is demanding payment and foreclosure via email, which Citizens says my file is not in foreclosure. I reached out to the XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and this past Thursday and no response. email I am using is XXXX. At this time, I would like the bank to accept my payment of $ XXXX and work with me on the balance due. I can afford to stay here, I am not sure why the bank will not help me. They are forcing me to start a modification process which they will not approve in the end.
Frequently Asked Questions
What is Complaint #6589483 about?
Complaint #6589483 was filed against Citizens Financial Group, INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2023-02-18T12:00:00-05:00.
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.