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    Wayne Bank

    3.5 (4 reviews)
    Open 8:30 am - 5:00 pm

    Services - Wayne Bank

    Auto loan

    Business banking

    Business loan

    2 More Services

    Mortgage services

    Personal banking

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    3 years ago

    Madeline and Tony are great to deal with and are super helpful!

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    Citizens Bank

    Citizens Bank

    (2 reviews)

    We locked in a mortgage interest rate of 3.25% with .125% credit, for 60 days with Citizens Bank…read more However, when we received the closing disclosures for the mortgage, the interest rate was listed as 3.5%. When I inquired about this discrepancy, my loan officer, Maria Esposito, told me that there were utilization ratio issues (due to the fact that we were closing on our purchase before our sale, despite the fact that this had always been the plan), but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved. We received the final closing disclosures the evening before our closing (which had already been delayed by Citizens), but the interest rate had not changed. I emailed my loan officer multiple times but received no response until I reached her by phone the next morning. She told me she was working on getting the rate adjusted as promised. However, a mere two hours before the scheduled closing, she informed me that she would NOT be able to give us the rate that had been locked in. She suggested postponing the closing on our purchase until after the closing on our sale (which was scheduled for less than one business day later). Because it was only two hours before the closing and we'd had issues even getting the seller to the closing table, my lawyer strongly advised against postponing the closing. Doing so would have put us in breach of contract, and we had no viable options for postponement or alternate loans at this late date. Citizens' bait and switch tactics left us with no choice but to close with a increase in the mortgage interest rate that amounts to about $30,000 over the lifetime of the loan. My loan officer loan officer told me that the best she could do was to refund the closing costs ($844, barely anything in comparison), which she requested to be expedited. I complained up the chain and it took months to even get those closing costs back, but Citizens basically told us we were SOL otherwise because we made the mistake of trusting what their loan officer told us over the phone and we had no written proof. This is clearly a company that couldn't care less about it's customers and I wouldn't even recommend them to my worst enemy.

    I can't even begin to say how sorry I am that I went to Citizens Bank to apply for a mortgage. The…read moreloan officer, Gerard McDonnell was so unprofessional, unresponsive and gave me incorrect information every step of the way. I I decided to pull the mortgage application after he totally screwed things up - it cost me $650 (appraisal feel that I had already paid) and 3 weeks delay in getting a mortgage with a new company. I also complained all of the way up their consumer resolution center and got nowhere with their Boys Club - who covered for each other and lied. I spent so much time emailing the supporting documents, trying to get the $650 refunded but Gerard McConell and his supervisor, Thomas Knee both claimed untruthful situation for which they had no proof. Then, to top if all off, they "denied" the mortgage application instead of what I had been told would just be an expiration of the application. This has now negatively impacted my credit score but once again, the Boys Club prevails and I Lose. Stay away from these people at Citizens Bank and find another place to get your mortgage. What a shame and Shame on them!

    Wayne Bank - banks - Updated May 2026

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