Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
In XXXX my dad and I built our family home in XXXX XXXXXXXX my dad and I built our family home in XXXX, NH. I had a great loan until XX/XX/XXXX when a loan officer while was doing my friends re-fi, he convinced me I was better off with a lower interest rate and a lower payment. Never signed the agreement that I got stuck In. My Income was XXXX. & my payment was supposed to be XXXX. instead it was XXXX. In XXXX of XXXX Loan officeXXXX. XXXX XXXX showed up at my home said he had no problem approving the loan after seeing my home. I told him I'm not getting a loan with you. I am happy with my loan, and why would I want to change anything? If you would just keep it the same anyway. I only owed XXXX, I was able to recently cancel my PMI, and it would be paid off by XXXX. The tax assessment was XXXX at the time. 
I always made my payment but never had any money left over so I'd always have to borrow a little bit at the end of the month for my mother for bills, but I never had any money for myself or anything. In XXXX Bank started charging fees like XXXX for hazard ins. Plus XXXX for flood ins. Tried to make me lose my home. They Would never talk to help except a young man rep. Offered to put a payment on the back of the loan so I wouldn't fall behind. XXXX, At that time, the young man told me the name of the home owners insurance company which was a different insurance company than the one I had been using. I called them requesting information on why they're charging me XXXX and XXXX for flood and hazard insurance when I never had a single claim and my house was on a hill. the woman said she was not entitled to give me any information. Her name was XXXX. It was XXXX insurance in XXXX NH. In 2 months, I notified the bank that I was in a hardship it had been since they gave me this loan I could not afford without my authorization. They told me not to worry about the next three months that they would send me a form to fill out that would reduce my payment to half. I continued filling out the forms several times never heard back until I would contact them several times to find out that I was denied. I constantly would receiveThreats about Foreclosure. XXXX of XXXX, I contacted the bank finally again a woman named XXXX XXXX who was very rude refused me the option to pay my loan off so I could get away from them. So I put my mom on the phone with her who confirm she had the money to pay it off,, which went from XXXX XXXX to XXXX in 4 months. She told my mom I'd have to wait until they competed the foreclosed process for house to go on market. Twice I borrowed XXXX XXXX paid them to stop the threats. XXXX they foreclosed on me, evicted my family in XXXX. XXXX all my property and bc I'm physically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then paid for audit to find out millions of dollars was made off it, they overcharged me, and it was in so many ways illegal. I brought bank to court to get my house back and damages. They never showed. Judge set another hearing, never showed. XXXX just dismissed case ( XXXX XXXX XXXX XXXX Bank refused a friend who tried to buy house after they evicted us. They only let a man name XXXX XXXX who is the head of XXXX XXXX XXXX XXXX XXXX. Get my home. He is a millionaire and he only paid XXXX for it. He is benefiting off all my hard earned money and equity my father and I worked for while we remain homeless and extremely poor. In the beginning XXXX dollar I made I saved it went towards my home. I had a very good job and made great money as a XXXX XXXX XXXXXXXX, NH from XXXX ( I became XXXX ) In XXXX I paid XXXX out of pocket for landscaping alone. XXXX out of pocket for my driveway, XXXX out of pocket for my radon, water filtration, unit, and outside irrigation for the lawn. I had top of the line furnace. I had my downstairs refinished into an apartment. There was nothing that Home did not need, and after everything was done, I lived in the home for 10 years until they took it from me. The home tax assessment is XXXX today. The market value is XXXX. this home was my entire estate. i've brought it to DOJ, CBFP, US Attorney, Etc. I've contacted an attorney in Massachusetts, XXXX, he said he would need XXXX K to take the case. I understand I have 20 years to sue for this in New Hampshire. I'm getting tired. I'm severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and I am in no condition to continue this homeless life, living on a piece of land in a camper with no electricity and water is not a normal life. My poor daughters because of the situation it dissolve my family, they are living in hotels, XXXX XXXX XXXX they missed out in college. My plan was to put them through. I was told I could take XXXX XXXX to court for unjust enrichment. The home is across from my ill Mom. No one is even living in it. This Home is a gold mine, absolutely perfect condition. My father made sure everything was done exactly right and top quality of everything. I feel as though this man has an inside contact. I was firm with the loan XXXX in XXXX when I told him I am declining on the offer to refinance when he came to my house unannounced. He waited 3 days to tell me over the phone it was already processed and I couldn't back out. I suffer learning and physical XXXX. I truly feel this was planned as an opportunity to not only steal a lot of money illegally, but also to take my XXXX XXXX away from me. I feel this was for sure a white -- collar crime that has not been properly handled in a lawful manner.. I am able to retrieve all of the paperwork, I was told I could not file it electronically that it had to be done in court, so the paperwork is in a folder at the court in XXXX, NH. I believe there is also paperwork at the NH Supreme Court in XXXX NH. That XXXX said I was in the wrong district. always getting the runaround or the case dismissed. This case is a large case, but it is simple and open and closed. That is why the bank never showed up. They have nothing to produce that is legal.. they were obligated to assist me and saving my home instead they did the opposite. They secretly signed me up for a loan. I did not authorize and on top of it. Used my house as collateral knowing the payment was the same as my income, in my opinion, in an effort to steal my home. I feel they foreclose quickly and evicted me so that they could hide it. I would like to find out if I could please get my home back and some damages for all the pain and suffering.. sipee, NH. I had a great loan until XX/XX/XXXX when a loan XXXX while was doing my friends re-fi, he convinced me I was better off with a lower interest rate and a lower payment. Never signed the agreement that I got stuck In. My Income was XXXX. & my payment was supposed to be XXXX. instead it was XXXX. In XXXX of XXXX XXXX XXXX. XXXX XXXX showed up at my home said he had no problem approving the loan after seeing my home. I told him I'm not getting a loan with you. I am happy with my loan, and why would I want to change anything? If you would just keep it the same anyway. I only owed XXXX, I was able to recently cancel my PMI, and it would be paid off by XXXX. The tax assessment was XXXX at the time. 
I always made my payment but never had any money left over so I'd always have to borrow a little bit at the end of the month for my mother for bills, but I never had any money for myself or anything. In XXXX Bank started charging fees like XXXX for hazard ins. Plus XXXX for flood ins. Tried to make me lose my home. They Would never talk to help except a young man rep. Offered to put a payment on the back of the loan so I wouldn't fall behind. XXXX, At that time, the young man told me the name of the home owners insurance company which was a different insurance company than the one I had been using. I called them requesting information on why they're charging me XXXX and XXXX for flood and hazard insurance when I never had a single claim and my house was on a hill. the woman said she was not entitled to give me any information. Her name was XXXX. It was XXXX insurance in XXXX NH. In 2 months, I notified the bank that I was in a hardship it had been since they gave me this loan I could not afford without my authorization. They told me not to worry about the next XXXX months that they would send me a form to fill out that would reduce my payment to half. I continued filling out the forms several times never heard back until I would contact them several times to find out that I was denied. I constantly would receiveThreats about Foreclosure. XXXX of XXXX, I contacted the bank finally again a woman named XXXX XXXX who was very rude refused me the option to pay my loan off so I could get away from them. So I put my mom on the phone with her who confirm she had the money to pay it off,, which went from XXXX XXXX to XXXX in 4 months. She told my mom I'd have to wait until they competed the foreclosed process for house to go on market. Twice I borrowed XXXX XXXX paid them to stop the threats. XXXX they foreclosed on me, evicted my family in XXXX. XXXX all my property and bc I'm physically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then paid for audit to find out millions of dollars was made off it, they overcharged me, and it was in so many ways illegal. I brought bank to court to get my house back and damages. They never showed. XXXX set another hearing, never showed. XXXX just dismissed case ( XXXX XXXX XXXX XXXX Bank refused a friend who tried to buy house after they evicted us. They only let a man name XXXX XXXX who is the head of XXXX XXXX XXXX XXXX XXXX. Get my home. He is a millionaire and he only paid XXXX for it. He is benefiting off all my hard earned money and equity my father and I worked for while we remain homeless and extremely poor. In the beginning XXXX dollar I made I saved it went towards my home. I had a very good job and made great money as XXXX XXXX XXXX XXXXXXXX, NH from XXXX ( I became XXXX ) In XXXX I paid XXXX out of pocket for landscaping alone. XXXX out of pocket for my driveway, XXXX out of pocket for my radon, water filtration, unit, and outside irrigation for the lawn. I had top of the line furnace. I had my downstairs refinished into an apartment. There was nothing that XXXX did not need, and after everything was done, I lived in the home for 10 years until they took it from me. The home tax assessment is XXXX today. The market value is XXXX. this home was my entire estate. i've brought it to DOJ, CBFP, US Attorney, Etc. I've contacted an attorney in Massachusetts, XXXX, he said he would need XXXX K to take the case. I understand I have 20 years to sue for this in New Hampshire. I'm getting tired. I'm severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I am in no condition to continue this homeless life, living on a piece of land in a camper with no electricity and water is not a normal life. My poor daughters because of the situation it dissolve my family, they are living in hotels, working like slaves, they missed out in college. My plan was to put them through. I was told I could take XXXX XXXX to court for unjust enrichment. The home is across from my ill Mom. No one is even living in it. This Home is a gold mine, absolutely perfect condition. My father made sure everything was done exactly right and top quality of everything. I feel as though this man has an inside contact. I was firm with the loan XXXX in XXXX when I told him I am declining on the offer to refinance when he came to my house unannounced. He waited 3 days to tell me over the phone it was already processed and I couldn't back out. I suffer XXXX XXXX XXXX XXXXXXXX. I truly feel this was planned as an opportunity to not only steal a lot of money illegally, but also to take my XXXX XXXX away from me. I feel this was for sure a white -- collar crime that has not been properly handled in a lawful manner.. I am able to retrieve all of the paperwork, I was told I could not file it electronically that it had to be done in court, so the paperwork is in a folder at the court in XXXX, NH. I believe there is also paperwork at the NH Supreme Court in XXXX NH. That XXXX said I was in the wrong district. always getting the runaround or the case dismissed. This case is a large case, but it is simple and open and closed. That is why the bank never showed up. They have nothing to produce that is legal.. they were obligated to assist me and saving my home instead they did the opposite. They secretly signed me up for a loan. I did not authorize and on top of it. Used my house as collateral knowing the payment was the same as my income, in my opinion, in an effort to steal my home. I feel they foreclose quickly and evicted me so that they could hide it. I would like to find out if I could please get my home back and some damages for all the pain and suffering.. 
property address is XXXX XXXX XXXX XXXX, NH XXXX

Company response to consumer: Closed with explanation