TOO MANY STRUGGLING HOMEOWNERS JUST LOOKING TO MAKE MORE AFFORDABLE PAYMENTS ON THEIR AMERICAN DREAM... THEIR HOMES... GET SCAMMED OUT OF THOUSANDS OF DOLLARS BY CITIZENS FINANCIAL GROUP. THEY GET AWAY WITH IT FOR YEARS BY PRE-QUALIFYING EVERYONE FOR A 100% MONEY BACK GUARENTEE LOAN MODIFICATION ONLY WITH THE PURE INTENT OF RE-LOCATING AND CHANGING THE NAME TO DO IT ALL OVER AGAIN AND STEAL YOUR HARD EARNED MONEY. WE MIDDLE-CLASS HARD-WORKING AMERICAN CITIZENS WERN'T ASKING FOR A BAILOUT...JUST A MORE AFFORDABLE WAY TO LIVE!! I WAS INFORMED BY MY LENDER THAT THEY NEVER EVEN HAD CONTACT WITH CFG! WHERE THE HELL DID ALL THAT PERTINET, PRIVATE INFO I E-MAILED,PRIORITY SENT,FAXED,ETC, GO? I SPENT HOURS PUTTING TOGETHER THE PROPER DOCUMENTS FOR THAT BS MODIFICATION! I ACTUALLY GOT SUSPICIOUS AND FILED A COMPLAINT WITH PREVENTLOANSCAMS.ORG EARLY NOV 2011. THEY SHOULD HAVE BEEN INVESTIGATED THEN.