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!

The day the whole office of about 10-15 people came trudging thru our house and decided that the…read moremost our house was worth was $109,000 - it sold for $140,000 a week later. Actually more than the asking price due to a slight bidding war. I understand wanting to make a quick sale but at my expense? I think not. Nice people but I doubt they know much about real estate.

From the owner: Better Homes and Gardens Real Estate Wilkins and Assoc.- a full service brokerage company. With…read moreclose to 70 Realtors, we List and Sell homes, condos, townhomes, Homes of Distinction, estate properties, luxury homes, primary and vacation homes. Evening and weekend appointments always available. Need a rental, we can help! Corporate Rentals (fully furnished townhomes and condos nine months or less). Long Term Rentals (unfurnished homes, townhomes and condos one year or longer). Credit App required, some homes pet friendly (with deposit). Handling a five county area. Ask about our Independent Family of Home Buying Services, available only to Better Homes and Gardens. real estate buyers. Truly one stop shopping- title and settlement services, attorney services, homeowner insurance, relocation services, Global USA Home Warranty's, mortgages from five preferred lenders, so you're sure to get the best service and the best rates and discounts from a local mover. All offices open seven days a week.

My husband and I continue to work with Julie Warfield in our search for our future retirement…read morelocation and home. It will be a big transition for us and she has been nothing but kind, respectful, and VERY patient. We have seen quite a few homes and are hopeful that we are narrowing down the search and close to concluding the process. She has been our cheerleader and therapist along the way. LOL. Julie puts her client's needs front and center and is honest....and did I mention patient?

We went to buy a house (not using a buying agent) that was being sold through Davis Chant and were…read morevery disappointed that they would not discount some of the 6% agency fee to the seller? It was one showing and an all cash offer. House was on the market for 1 week. It would have been easy to make both the buyer and seller happy and Davis Chant would have gotten commission that they expected when they listed the house. Very greedy on Davis Chant's part.

Great service and a fine bank, very professional 5 stars been using them for 12 yearsread more

I'm gonna be starting a active lawsuit with the state of Ohio behind me against woodforest…read more overdraft system please don't bank with them you will pay outrageous fees that make no sense if you have already experienced this please get in contact with me so we can take them down this is corporate evil at there worst they give you the good speech about how you can cash checks for free and so on so forth never truly explaining this bank is hell worst bank I ever had fees for just using there card at a store you lose about 10 percent just having this bank alone the rudest customers service and bankers I have ever dealt with so if you experienced bad overdraft to where you over spent 200 and now paying 400 please contact me to join my lawsuit in (ohio)