Don't trust them. I signed up for a fixed rate but they kept increasing the interest rate without my knowledge or consent. Even worse, I found out that some of the money I was paying for the loan wasn't even contributing to the loan. AVOID THEM.
I have NEVER had a loan with Citizens Bank aka CIT but all of a sudden, they appeared on all of my credit reports as owning the same mortgage that was being serviced by Seterus since August when troubles began. Long story short, the fact that they are CLAIMING to have the same mortgage even though I have never borrowed anything from them for any reason, is blocking my ability to resolve issues with Seterus. CATCH 22 with NO ONE at CIT bank able to help me at all!
my citizens bank credit card posted 2 payments of the same amount in the month. They insist it was my fault but why would i schedule 2 payments of the same amount!
This put me over my account balence in my checking account by $100. Instead of overdrafting to my savings which had plenty of money. They hit me with a $35 over draft fee. Then every 4 days they hit me with a $30 additional overdraft fee. EVERY 4 days. They did not notify me via email, phone, txt anything. Apparenty they only notify you by your account dashboard which you have to login to see. WHAT A SCAM! If you only login once a month like most people and you accidentally overdraft you will be hit with $150 worth of fees before you realize.