We had a car loan for a new car that was purchased in March time frame. At the end of June we paid the loan off in full. In July I recieved a bill that showed 0.00 Principle Balance. I then received a formal letter stating that our loan has been paid in full. In late Oct, I recieved a new bill for 33.95. Called the customer care team who was unwilling to help figure out why I have a balance. Had to argue with her to let me speak to a manager. After her telling me she can only put in a request to speak to a manager I told her that was not good enough. 10 minutes later she found somebody but was on hold for 20 minutes. He was unwilling to help as well. When I asked to speak to his manager, he lied and said he didn't have one, and calling him out on his BLATENT lie, he hung up. Now I am calling back as the other person on the loan to start this absured process all over. All for 39.00 bill that is in error on their end.... WILL NEVER SIGN A LOAN WITH CITIZENS ONE AGAIN. Would give negative stars IF POSSIBLE, and if I don't have succesfull resolution of this issue I will be calling BBB and filling a formal scam report.
Review by MelHall6 months ago
Citizens One approved me for a $50k loan the next day after I applied, and I had money in the bank the day after. The APR was 8.73%, lower than all the competitors (I applied to all of these): SoFi, Upgrade, Upstart, Earnest, plus LendingClub and LightStream, which decided to reject my application.
Citizens One pros:
* no originaton fee (looking at you, Lending Club and Upgrade)
* very fast approval - next day
* no unreasonable verifications
* streamlined application process
One minor con:
* the online application process could use some improvement - documents didn't show up immediately after uploading, and the application status lagged behind reality
But really, nothing to complain. This is what I wish the experience with other loan providers was like.
Citizens One is rated 3.0 based on
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