I currently hold a balance on a refinance with Citizens Bank from 2009. I applied to refinance this into a 30 year. mortgage. I was approved within 1 week of application. It has been TWO full months and this matter still has not been resolved. When I applied in 2009 I had closed in a matter of a few weeks. there is no communication from your bank unless I call. I would like an explanation as to why I was able to refi in 2009 and close in a matter of a few weeks, yet now I am at a dead end with this mortgage. I now am forced to consult with another bank, consuming more time. I have never been so dissatisfied with your customer service before. Ronene A. Apr. 2, 2013 -by Ronene A.