Consumer complaint received 2024-07-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I noticed on closing papers that all the info is wrong, my date of birth, my marital status, my income, my college dates are wrong, even after giving pay stubs, driver license ( of which I still have ), S.S. card, birth certificate. A termite inspection & letter by a certified termite company was requested by XXXX XXXX XXXX XXXX & this was this only stipulation awaiting the approval by XXXX, yet we closed on the XXXX, very next day without a termite inspection & letter of which I was never informed of by anybody not even my real-estate agent, whom should have told me. No survey was done of my property, they claimed I was an " unmarried '' person several times throughout the paperwork yet I was still married & have divorce paper to prove it. The attorney on closing date held the stack of papers closely to him & would only turn the bottom of the papers towards me to sign so I couldn't read them & my real-estate agent kept telling me, it's ok you don't need to read anything I would never do you wrong, she was also my employers fiancee & my employer was blowing up her phone wanting me back at work immediately, wanting her to tell him when I left there. He only allowed me to leave work that day on the XXXX long enough to sign & get back. He literally told me, I'm giving u 30 minutes to get there, sign & get back here immediately after, this is our busy season & we need u here. I was XXXX XXXX XXXX XXXX XXXX XXXX  & trusted my employer like an XXXX XXXXXXXX does & my real-estate agent, never thought they would be stupid enough to commit federal crimes against the government. So, I have been battling termites every summer every since & now I know why, during the appraisal termites were noticed & that's the reasoning for XXXX asking for an inspection & letter. My real-estate agent told me that an inspection & appraisal were the same thing & it was a newer build of only XXXX & half old so there was no need to spend the extra money. My employer loaned me the {$200.00} XXXX money to open an account at XXXX XXXX XXXX bank with to write a voided check for the {$200.00} XXXX money needed at closing also loaned me the money for the down payment yet claims it was a gift, yet he deducted it out of my checks every week before my check was made until it was all paid off. 
Also, the interest rate was 6.25 % per XXXX paperwork XXXX 6.75 % & 6.77 % on XXXX different forms per Franklin American Mortgage Companys paperwork . I have all the closing documents along with all the documents I submitted for the whole process to prove everything & have XXXX copies spread throughout XXXX states in case anybody gets any bad ideas to do something to me & my entire family knows about me reporting this. 
Franklin American Mortgage Company in XXXX, TN still in business today, XXXX XXXX owner of XXXX XXXX XXXX was my employer, XXXX XXXX of the XXXX XXXX realty was my real-estate agent, and XXXX XXXX XXXX XXXX underwriter with Franklin American Mortgage XXXX XXXX XXXX XXXX XXXX XXXX attirney at closing. XXXX also connected me with an agent with XXXX XXXX for hime owners insurance yet all XXXX XXXX sent was a page stating I has signed up for homeowners insurance with them, no monthly rates were on the page, no annual rates but I had to sign for it all to go through & yet again XXXX ASSURED me over & over she would never do me wrong, although she di me exceptionally dirty along with all of these people cause I was XXXX XXXX XXXX  enough to trust vultures! 
I found all this while looking for the square footage of my home last year 2023 when I put my home on the market to sell. Then decided not to sell after finding all the strait uo lies & federal fraud committed on my FHA Loan.