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Has Anyone Had Any Success With Citizens Financial Group Out of Phoenix Arizona

They are a Loan Modification Company and they do have a money back guarantee if they can’t secure at least 50% reduction in the interest rate of the mortgage. They do want an upfront fee though.

Their website is: www.citizensfg.com.

Has anyone had any success with them? Are they as successful as they say they are. They are on the Nationwide Business Bureau website with over 100 success stories. That seems a little too good to be true. Any help would be appreciated.

Tom

Has Anyone Had Any Success With Citizens Financial Group Out of Phoenix Arizona by

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This is information that was submitted by a third party and not generated by GetOutOfDebt.org or Steve Rhode.
  • sr

    DO NOT USE THEM!!! I used them, and not only did i pay them their fee, and spend countless hours copying and faxing to them but i did all the talking to my actual mortgage company myself. Lucy Guteriez did nothing for me. My mortgage company denied the modification, my house was foreclosed on, and now i can’t get ahold of anyone or get my money back! Ive even gone to the attorney generals office, and they can’t get in contact with them either.

  • Specialk56dolan

    please!!…to all those scammed by cfg…don’t let them get away with stealing our money without letting the public and struggling home owners know there are several loan modification companies just waiting to steal their money also!! we must continue to hound the proper authorities and get these crooks off the internet and streets and held accountable for robbing us out of the american dream…our homes!!

  • KIM JONES

    Tom do not do it.  I have been waiting for my refund for four months now. No one answers the phone and I have a complaint against them with THE BETTER BUSINESS BUREAU

  • Arileynv

    We also were scammed out of 2500.00. We are not going to take it lying down! We have notified the FBI and are contacting an attorney on Monday on recomendation of AZ/CA AG. The more people that pursue them, the better our odds are. I too have seen that Nationwide Business Bureau is just a cover they use to establish fictitious companies, give them great ratings, take people’s money, then open another one. I have found 5 different companies that are directly related to these three men…Onpoint law center, National mod prep, http://www.loansolutionhelp.com, gsw financial products and citizens financial. I will keep everyone posted of our progress. Don’t let this end and don’t give up! This firm is listed in Corona, California and San Francisco. We are also contacting the Corona City Police.

    • Csala

      Thanks!  Please keep us posted on contact info.

      • Specialk56dolan

        i have filed every complaint to the proper authorities and continue to get the run around. we need to keep hounding the bbb,atty.general,internet crime,us mail,federal trade commission,etc., and let them know we are not giving up until these cfg thieves are held accountable!!!

    • THESE GUYS ARE LOOSERS

      ITS ONLY TWO OF THEM AND THEY MOVED TO SOUTH COROLINA. THERE OFFICE IS STILL IN CORONA THOUGH AND THE GUY IN AZ IS KEN SMITH THEY ALSO STARTED THE NATIONWIDE BUSINESS BUREAU SO THEY CAN PUT OTHER SCAM COMPANYS ON THERE THAT THEY OPEN AND SAY THAT THEY ARE CREDITABLE.

  • Robb Bauman

    If you have a strong heart and can take it, go to Complait Board website and in search bar at upper right type in Nationwide Business Bureau. Look at post by a hatecheatingliars about Nationwide and Citizens. Now if you feel real strong, follow the complaints for On Point Law or National Modification Prep. These scum bags have been doing this scam for years under at least three different names.Wonder why Nationwide gave Citizens an A+ rating. Hate-
    cheatingliars tells us why. Yes, I am rjb280 and my complaint is posted on this site also. Read it please to find out more about the association between these two companies.
    Both Offices of Attorney Generals, Arizona and California have been notified by me. Arizona said it falls under juristction of California.What does this tell us? They were in California all along.  Another lie they were pushing, telling us  they were in Arizona. If these SOB’s were doing business where I’m located they would be invited to go deer hunting ( like the guy your wife is cheating with, if you get my drift). If there is going to be a law suit, include me, but I don’t expect it. They find ways around it or only one guy takes the fall and the rest move on to the next scam. From what I read, there are three guys involved in this Jason Glasser David Willner and Paul Singer. I’m a printer not an investigator .How can I find this information but the athorities can’t hunt these guys down and string them up by the short ones.

    • SPECIALK56DOLAN

      ROB.. I WILL CHECK OUT THE ABOVE LISTED INFO AND APPRECIATE YOU POSTING IT! I WILL ALSO POST A COMPLAINT ON THAT SITE. IT STILL SICKENS ME HOW WE WERE SCAMMED AND I CONTINUE TO FOLLOW THROUGH ON THE 8 COMPLAINTS I HAVE FILED AND CAN’T BELIEVE THESE INDIVIDUALS HAVEN’T BEEN HELD ACCOUNTABLE FOR THEIR DELIBERATE CRIME AGAINST STRUGGLING HOMEOWNERS. HOW ON EARTH WERE THEY ABLE TO DO THIS FOR YEARS?! THEY ARE SICK TWISTED THIEVES AND WE DESERVE A FAIR RESOLUTION!

    • http://GetOutOfDebt.org Steve Rhode

      Thank you for helping out with the investigation and posting information.

      And apparently if you ever call me to go deer hunting, I’m busy that day. :-)

      • Specialk56dolan

        hi steve! how can we continue to follow up on the many complaints filed with the proper authorities if we keep getiing the run around! meanwhile, these thieves are figuring a way to scam more people out of what little money they have just to survive

      • http://GetOutOfDebt.org Steve Rhode

        It’s almost impossible to find out the filed complaints that might be part of an active investigation. From experience, the surest way to get action is to encourage people to file complaints with state and federal agencies as I outline in this post. http://getoutofdebt.org/20126/how-to-try-to-get-a-refund-from-a-debt-relief-company

        Faster action may be available for people that decided to push ahead with their own suits in their local small claims court. But a win does not equal a refund unless you collect it.

  • Specialk56dolan

    i will keep everyone posted as i recieve info from the several complaints i have filed. the bbb has informed me that they have made several attempts to contact them to no avail…and that they are keeping them “on the list”!! well…looks like we need to dig deeper so this does not happen again! i will not give up!!

  • Specialk56dolan

    to all those who were scammed by citizens financial group…. i recieved info from the atty. general’s office last week in arizona that the case is being sent/investigated in the california atty. general’s office as they ran the “business” with a AZ. address {possibly because california has a law that you can’t ask to pre-pay a fee} and AZ. does not as we were told. i urge you all to continue to send your complaints to hopefully get these thieves held accountable for stealing tens of thousands of our money!!

  • Helenp

    A group calling themselves United Financial Assistance Service contacted me promising to consolidate all my bills to decrease the interest rate.  They offered a fee and promised to decrease the interest rate to 7% or less.  If no bank lenders give them an offer than I get my money back.  I am wondering whether anyone encontered an offer like this and whether it is legit. 

    • Specialk56dolan

      helen! talk to your creditors yourself! do not give these people a dime unless you speak to an atty  we were told by our atty in  boise never to go to a debt consolidate co.as very few people actually benefit! there are so many scams and it takes the system so long to investigate that the thieves disappear by the time they are found out to be truly fraudulant!

      • helen

        A week after I was contacted, I received a contract from the company requesting my SS and financial information.  While it looked legit, it also looked fishy.  I began calling the BBB of Arizona, and other organizations.  Turns out there is no company nor address existed. 
        Because I gave them one of my credit card to pay for their service, I called my card to cancell and they changed my card.  PHEW!  Greatful that I got out of that without a scratch. 
        A week after, I went to my credit union and applied for a personal loan with low interest rate. 
        This scam artist are terrible people.  Please get justice.  If there is anything I can do to help, please let me know.

  • Cobus542003

    Same thing here as everyone else. After 6 months of going back and forth with the same people-Lucy, James, and Lucy told me she had to forward all of the information to Jeff Wolfe for our refund and we still haven’t heard anything. Tried to call and email and phone is no longer in service and emails were returned. I feel so stupid for falling for these scumbags but everything looked legit. I want and need my 2500. back.

    • SPECIALK56DOLAN

      DON’T BLAME YOURSELF! THE LOCAL POLICE LOOKED OVER THE CFG DOCUMENTS AND STATED THEY LOOKED LEGIT. WE CHECKED OUT CFG BEFORE WE SUBMITTED 2500.00!! LUCY WAS THE WORST AND BLATENLY LIED OVER AND OVER AGAIN AND “JACQUELINE” PRE-QUALIFIED EVERYONE  WITH ASSURANCE THEY CAN AND WILL HELP AS THEY HAVE LOAN DOCUMENT SPECIALISTS TO DEAL WITH OUR CREDITOR/LENDERS! WHAT A JOKE! I DID ALL MY OWN PAPERWORK,FAXING,COPING,CHASING BANK STATEMENTS,FORMS AND FORMS FILLED OUT ETC.,ETC.,!! ALL THEY DID WAS PUT MY PERTINET PRIVATE INFO ON THEIR DESK AND WAITED FOR MY MONEY TO TRANSFER! HOW DO WE EVEN KNOW WHAT THEY DID TO OUR PRIVATE INFO? I KNOW FOR A FACT THEY NEVER EVEN SPOKE TO OUR CURRENT MORTGAGE LENDER!! WE HAVE ALL BEEN HORRIBLY SCAMMED AND STILL CONTINUE TO STRUGGLE!! IT IS SICKENING!

  • Tonimccay

    It is so sad we have all been taken by these people.  I am literally sick and will follow Steve’s advice but probably we’re all going to chalk this up to a lesson learned. I don’t know how someone can go after someone like this.  Surely some attorney reads these things and has a solution for all of us, some kind of class-action lawsuit.   I should so know better and should have checked them out.  I didn’t pay them until 2/10 and if I had read all this first, I would still have my 2500.00. 

    • SPECIALK56DOLAN

      I AM VERY CONCERNED! IF YOU DIDN’T PAY THEM UNTIL FEB.10TH 2012 AND NO-ONE HAS BEEN ABLE TO CONTACT THEM SINCE FEB 2ND 2012… HOW WERE THEY STILL OPERATING TO RECIEVE/PROCESS YOUR MONEY?? ASK YOURSELF WHAT LESSON CAN BE LEARNED FROM PEOPLE WHO LITTERALLY STOLE YOUR MONEY AFTER YOU PAID FOR A SERVICE IN OBVIOUS NEED OF FINANCIAL BREAK INSTEAD OF “RUIN”?? WEDID OUR HOMEWORK AND INVESTIGATED THEM ON NATIONWIDE BBB AND THE SITE STATED IN BUSINESS SINCE 3/18/07 AND IN GOOD STANDING 7/12/10 WITH SUCCESSFUL RESULTS! NOW, NATIONWIDE BBB LISTS THEM AS A RED FLAG WARNING!! I FILED A COMPLAINT IN NOV 2011 WITH PREVENT LOAN SCAMS .ORG AND I GUESS THEY NEVER FOLLOWED THROUGH !!

  • Swearingenjosh

    We live in Florida and also lost 2500.00. I am a teacher and my wife is a part-time teacher and we needed to get our mortgage rate reduced to be able to have lower monthy payments. They assured us they could reduce our monthy payment. They told us we would get our 2500 refund back if they couldn’t get our rate lowered. We started this process in June of 2011.They said from the beginning that this could be a long process. They gave us all the paper work and had us contact our lender. They told us not to let them know that we are using a third party. Once we were denied by our lender they told us that their underwriters would be in contact with our lender. They told us to give them 30 days and then call if we have not heard from them. I contacted Lucy on January 19th. She emailed me later and told me that they would be mailing our refund check out on February 8th. I have een trying to email them since 2/20/12 and the last 2 days when trying to call the phone number is no longer a working number. I now have to take work off tomorrow to meet with my bank and the state attorney. I will also be contacting the BBB, Federal Trade Commission, Arizona AG office. I feel for everyone who was scammed by these people. I hope that this will get resolved and each of us will get our HARD EARN MONEY BACK.

    Josh

    Florida

    • SPECIALK56DOLAN

      I AM SO SORRY FOR YOUR LOSS AS WELL. WE MUST NOT PUT THESE SCAMMERS ON A BACK BURNER! WE ALL MUST FILE THE PROPER COMPLAINTS AND FOLLOW UP ON THEM SO THESE THIEVES CAN BE HELD ACCOUNTABLE! I HAVE PERSONALLY FILED 8 COMPLAINTS INCLUDING LOCAL POLICE AND KTVB LOCAL STATION. MY HUSBAND IS ON DISABILITY AND I AM ON UNEMPLOYMENT… IN NO POSITION TO LOSE 2500.00 !! I AM HORRIFIED THAT THERE HAS BEEN NO RESOLUTION YET!! I AM LOSING FAITH IN OUR SYSTEM!! HOW CAN WE BE PROTECTED? WHO CAN WE TRUST? LUCY G., JAMES S. JACQUELINE L, NEED TO BE HELD ACCOUNTABLE FOR DELIBERATE DECEIT AND THEFT!! WE SPOKE TO THESE INDIVIDUALS IN GREAT LENGTH BEFORE AND AFTER WE SUPPOSEDLY QUALIFIED FOR A MODIFICATION! THEY LISTENED TO OUR HARDSHIPS KNOWING ALL ALONG THEY NEVER INTENDED TO EVEN COMMINACATE WITH OUR LENDER EVEN AFTERSEVERAL CALLS,E-MAILS ETC. LETS FIGHT TO GET THESE CROOKS!!

    • SPECIALK56DOLAN

      I AM SO SORRY FOR YOUR LOSS AS WELL. WE MUST NOT PUT THESE SCAMMERS ON A BACK BURNER! WE ALL MUST FILE THE PROPER COMPLAINTS AND FOLLOW UP ON THEM SO THESE THIEVES CAN BE HELD ACCOUNTABLE! I HAVE PERSONALLY FILED 8 COMPLAINTS INCLUDING LOCAL POLICE AND KTVB LOCAL STATION. MY HUSBAND IS ON DISABILITY AND I AM ON UNEMPLOYMENT… IN NO POSITION TO LOSE 2500.00 !! I AM HORRIFIED THAT THERE HAS BEEN NO RESOLUTION YET!! I AM LOSING FAITH IN OUR SYSTEM!! HOW CAN WE BE PROTECTED? WHO CAN WE TRUST? LUCY G., JAMES S. JACQUELINE L, NEED TO BE HELD ACCOUNTABLE FOR DELIBERATE DECEIT AND THEFT!! WE SPOKE TO THESE INDIVIDUALS IN GREAT LENGTH BEFORE AND AFTER WE SUPPOSEDLY QUALIFIED FOR A MODIFICATION! THEY LISTENED TO OUR HARDSHIPS KNOWING ALL ALONG THEY NEVER INTENDED TO EVEN COMMINACATE WITH OUR LENDER EVEN AFTERSEVERAL CALLS,E-MAILS ETC. LETS FIGHT TO GET THESE CROOKS!!

  • JAY

    Lucy Gutteriz and Jacquline Langouria who has scammed me out of my money. They nicley told me that 100% gaurantee a refund if my loan modification did not go through, It didn’t because they really didn’t comminicate to the bank. They did nothing but took all my paper work after many fax and put them on a desk some where. My bank states they never heard from this CFG at all. Now I tried to call and e-mail to no avil. The phone is disconnected and no e-mail. These people need to be investigated. How can this Group allow to be up and running??

  • SPECIALK56DOLAN

    HAS ANYONE FOUND OUT ANY MORE INFO ON THIS CFG SCAM? I HAVE FILLED OUT SEVERAL REPORTS/CLAIMS AGAINST THEM AND I AM WAITING FOR RESPONSE.I HAVE BEEN CONTACTED BY LOCAL POLICE AND FILED THE NECCESSARY FORMS TO INVESTIGATE THEM AND IC3/INTERNET CRIME PREVENTION IS ALSO INVOLVED. I WILL POST ANY ADDITIONAL INFO I GET IN HOPES OF RECOVERING OUR REFUNDS AND/OR AT LEAST GETTING THESE THIEVES WHO STOLE OUR MONEY!

  • Kimdmurray

    It looks like I am in the same boat with everyone else! Awesome!!!

  • Jennifer

    I’m just sick!  I’m going through the same thing with them – I just tried to call and got a message saying “call not allowed”, and my email attempts just failed, so I Googled CFG to see if there is any new info posted about them and found this.

    • Specialk56dolan

      hi jennifer! today our local police dept. came to take statements and copies,etc. to hopefully track these CFG individuals that scammed us in our time of need. i have filed 8 complaints and even went to the local tv station. we are heartsick also and i will not stop until they are caught so this can’t happen to anyone else! i encouraged all complaint forms to use this link for reference in other victims losses by these thieves. do not stop fighting for what you rightfully deserve…a fair resolution!!!

  • Specialk56dolan

    i have been scammed out of 2500.00 by this loan modification company they operate under the good name of “citizens financial group”!! let’s work together to find these thieves and hold them accountable for stealing people’s hard earned money ! anyone who fills out for a loan modification is in obvious need of financial help and they took advantage of that taking away our trust.hope, and faith in financial help advertised on the internet! i will never purchase /pay for anything  upfront ever again…especially on the internet!

    • Kaitlyn-87

      WE got screwed as well so if you have any information on how to get in contact with them it would be greatly apprecitated!

      • Kaitlyn-87

        EVERYONE SHOULD FILE A COMPLAINT WITH THE ARIZONA STATE ATTOURNEYS OFFICE. I HEARD THAT CITIZENS IS UNDER INVESTIGATION BY THEM ALREADY SO THE MORE COMPLAINTS THEY HAVE TO BACK UP THE CASE THE BETTER AND IF THEY WERENT UNDER INVESTIGATION BEFORE ALL OUR COMPLAINT THEY WILL BE AFTER

      • SPECIALK56DOLAN

        HI KAITLYN! I HAVE FILED A COMPLAINT WITH THE NATIONWIDE BBB AND SCAMBOOK. I AM FILING A COMPLAINT WITH THE ATTY’S GENERAL OFFICE! WE ARE SHOCKED THEY WERE ABLE TO STEAL FROM SO MANY PEOPLE AND FLEE WITHOUT ANY CONSCIENCE TO THOSE JUST LOOKING FOR AN HONEST BREAK. WHO CAN WE TRUST? THESE INDIVIDUALS NEED TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS AND WE NEED/DESERVE A FAIR RESOLUTION!

      • Karen

        Hi, My husband and I are in the same situation; they assured us they were 100% guaranteed and could get us a loan modification.  I did all the work, they tried to get me to not pay on my mortgage so my situation looked worse.  By the time they had our money I realized I could have done this for free and then ended up doing all the negotiating with the bank. After being turned down by my lender, I contacted CFG and was told to give them 30 days.  I contacted CFG after 30 days in January 12 and I was informed by Lucy Guiterraz (SP) on 1/31/12 their underwriters were unable to negotiate a lower rate and would refund my money by the second week of February.  I have not received anything and have filed a complaint with the BBB, the Federal Trade Commission and am following Steve’s recommendation and sending a certified letter today.  Further, I will be filing with Ohio’s attorney general along with the AG in AZ. I contacted my lender to see if they could help and they recommended the above.

      • Ismith37

        Us too! Same story. Same two people. We try so hard to get ahead only to be screwed. We are so angry and would love information on how to recoup our losses. I did a lot of research prior as well. Remember their one email linking usto the BBB and encouraging usto do “our due diligence” in researching them? Complete scammers.

      • Specialk56dolan

        hi karen! same story..same BS! “LUCY’ promised us a refund by feb 10th 2012 as well. i actually started to lose faith and on nov.8th 2011, i actually filed a report on them with http://www.preventloan scams.org. i never heard anything from them and had already paid by EFT oct 21st 2011! all i prayed for then and now was my refund… which they scammed me out of! i will continue to update info as i have filed several reports including local police. sorry for your loss as well.

  • Csala

    Same here: they took $2500.00, promising at least a 50% reduction and now the lender has issued a foreclosure letter. 

  • [email protected]

    we got scamed they took our 2500 dollars and now they won’t return our phone calls it says disconnected  its a fraud  

    • Csala

      We have someone in PHX trying to get the owners name.  I will post any info that I get.  What state are you in?  I am in NM.

      • Specialk56dolan

        we are in star,idaho and they stole 2500.00 of our hard earned money!

      • gae

        please CSALA!!! im in hawaii

      • Csala

        They closed up shop in PHX and disappeared.  Have not been able to track them down or find out the owner’s name.   They must be opening under some new name?

      • Kim Jones

        I am doing the same I am in TN 

    • http://GetOutOfDebt.org Steve Rhode
    • Specialk56dolan

      we were promised a refund by feb 10th 2012 after several e-mails, calls,etc. and we took this money out of our retirement as we were assured we “qualified”. we are in a financial crisis and these people knew it and used “the obama plan” and a 100% refund policy to steal our money!

  • Csala

    Does anyone know the owner’s name/s of this company.  Or how to find them?  They have taken our money and cut off their website and phones?  Desparately seeking a way to find these thives!!

    • [email protected]

      we want our money back too   please someone help us that was our oil money…

      • Specialk56dolan

        we are begging for help also as they stole 2500.00 of our money in a desperate attempt to avoid foreclosure! we took the money out of our retirement account and have to pay taxes on it as well!

  • Fuscodj

    Nooo this is a scam they are not legit they won’t refund your money and they don’t do any work!!

  • Dldailey

    iam also having trouble with this company they willnot return my money willnot answer the phone they didnot help in anyway with our modification we have a promise letter saying they will return our money but now that it is time to return the money we cannot get anyone to answer the phone or return any phone calls                                                   lois

    • http://GetOutOfDebt.org Steve Rhode

      You should probably read and follow my refund guide. See http://getoutofdebt.org/20126/how-to-try-to-get-a-refund-from-a-debt-relief-company

      • Specialk56dolan

        hi steve! how can this company advertise using citizens financial groups good name and “the obama plan” drawing people in to thier website that are in need of financial help knowing all along they are fraudulent yet are listed in business since3/18/2007 and a member of the nationwide bbb since7/2/2010! recently they are a red warning no longer in good standing! how do they get away with this?? what can we do ???

      • Csala

        This company disappeared so your guidelines don’t seem to apply?

    • Chop1714

      I am in the same boat. They took my money and promised a modification. They same people are involved. Their number is disconnected and website down. I wish their was a way we could get our money back. These are the worst kind of scammers. Preying on desperate people about to lose their homes. Scott

  • http://DamonDay.com Damon Day

    Unfortunately most of these loan modification providers are not legit. What is your current interest rate? Are you in a situation where a traditional refinance is out of the question?

  • Wayne

    Do not use them.  They will do what your mortgage company will help you fill out for free.  They only consolidate all the paperwork that you send them, fill the forms and send it in for you.  They do not talk with the mortgage company in your behalf, in fact they “recommend that you do not tell them that you are using a third party company…”  When you get turned down, and you will, they will blow you off for your refund and never answer your calls or emails. 
    Save your money, they are a scam.  Learn from one who is suing them for breach of contract.

    Wayne

  • Msullivan

    Tom,

    I do not know them but a quick check of the Better Business Bureau site indicates they have an F rating on a scale of A+ to F. 

    Be very, very, careful.

    • Karen

      I found that after being directed to the national website, not related to BBB that said they were A+.  I also researched them and now realize they are using a similar name to a legit company to confuse people, as the legit company appears to have all proper docs, licenses, etc.

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