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Phone: (706) 795-2880

Primary Phone: (706) 795-2880

TollFree: (888) 323-4732


First Citizens Bank & Trust

First Citizens Bancshares

First-Citizens Bank & Trust Company

First Citiizens Bank and Trust

Banks, Commercial & Savings Banks


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Help us Save our Home


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Help save our home from First Citizens and Merchants and Far

Merchants and Farmers bank based in Comer, GA. 30629 bad business practices.
2007-2010 and these dates I have determined just from talking to other customers that were mislead by Johnny T.
Posted this on February 4, 2010
I?m placing this review here because we need help before the new bank First Citizens out of North Carolina takes our home from us. I have owned my property here in Madison County, Ga. since 2000, I have had my ups and downs with BB&T when they had my loan but nothing with them could have prepared me for what Merchants and Farmers bank did to us.
At this time 1 year later we have spent countless time trying to get Sherri A. The head of mortgage loans to try and fix this but after she refused several times to apply for an FHA loan for us or look into a VA loan for us back around April and May of 2009 we now are left with bad credit and a new bank trying to force us into a loan that we can?t afford because in the words of Andy D. the representative from First Citizens they will not abide by anything that the Merchants and Farmers people told us. We now have to do what they tell us with this loan! We were told this by Andy at the Ila branch back at the end of October 2009. Funny thing is Johnny and Sherri both put us off for the majority of the summer telling us that as soon as First Citizens took over they would help us figure this out, I just thought she was saying they would help us the customer not them the bank buddy's.
We had to get a lawyer out of Athens to help us with this problem and so far from his emails that he has sent us the bank is just giving him the run around also. So the verdict is out on rather he?s going to be able to help us? We have contacted the FDIC about this issue because they are the regulators for both banks. I sent them all 7 pages of notes I have been taking after each meeting with the bank since April. They are asking us to send any more info we might get before they meet on February 17th to discuss our case.
Im asking for a county and State wide help with this matter! If anyone out there and I have meet a few of you so far think that you may have had a similar problem with the Merchants and Farmers bank please call the FDIC Atlanta office at 1-877-275-3342 let them know you are calling to file a complaint on Merchants and Farmers bank of Comer, Ga. This will get you to your representative. If you wrights down most of your complaint you can fax it to them once they accept you complaint.
PLEASE!!!! if you feel that the Merchants and Farmers bank placed you into a Construction loan telling you that you have a mortgage company to take your loan after the construction is over in 6months then at or before 6months you were finished and then after 1 to maybe 3weeks you get a call telling you that they no longer have a mortgage company to take your loan and it will take some time to fix this. Then after they take a anywhere between a few months to a few years to fix this problem and the whole time they are charging you interest daily witch for us they are up to costing us an extra $5000.00 so far but I have talked to a couple that they lost just over 10,000.00 with the bank and there bad Construction loan practices. Contact them NOW before their meeting so they can see that it?s not just us. I relay don?t want to lose my home and property to this new bank! We done everything that Sherry A. with Merchants and Farmers told us to do, It took 3 year just for us to get everything right for Sherri so they would give us a Construction load and it took them less than a year to ruin everything!!!!
You can also email me! We need your help!!! My email address for this is: helpsaveourhomega@yahoo com
Thanks; Robert