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Lending Resource Center

How may we help you?

Have a question about your existing loan?  Contact Loan Servicing at (860) 928-7921 ext. 203 or via fax at (860) 963-5342.  You can also email us via our email portal.

 

Would you enjoy the ability of making electronic loan payments?

Manage your loan quickly and easily — anytime, anywhere you have Internet access.  
 

You have two options to pay your loan: 

  • Make a secure payment from a non-CNB account.
    Transaction fees may apply.

  • Transfer a payment from a CNB checking or savings account via e-banking or automatic loan payment.
    • e-Banking: To pay your loan, please log into e-Banking.  If you do not have online access to your CNB account, it's easy to get started.  You may transfer funds or generate a payment using our PowerPay service. 
    • Automatic Loan Payment: To set up an automatic loan payment, please complete the AFT Request Form.
    • Pay Now: Have a loan with CNB, but your checking account is with another financial institution? Are you writing a check for your loan payment? Ever wish it could be done electronically?

      If you have answered yes to any of these questions, we have good news! Now you can electronically send your loan payment from your financial institution to CNB. Simply click on “Pay Now” below and follow the instructions. Set up one time or recurring payments, the choice and the power is yours.

Would you like to request a payoff figure for your existing loan?

You or your designated representative (usually your attorney) can complete our payoff request form.  Just fax it to Loan Servicing or drop it off at any of our local Branch locations.  We will complete your request within 24 hours.

 

Protect yourself from identity theft; please follow these steps...

Whether you're in the process of applying for a new loan, or just following up on your existing liabilities, knowing how to protect yourself from identity theft is important for everyone.  Here are some steps to help you become an educated consumer.

  • Do not have your driver’s license number or Social Security number pre-printed on your checks.
  • Watch what you carry in your wallet; do not keep your Social Security card, Birth Certificate or any extra credit cards in your wallet.
  • Find a secure location to send in your loan payments.

If any one of your accounts has been compromised, please don’t hesitate to contact one of your local branches for assistance.

OR

If you feel identity theft has already occurred:

  • Contact the fraud departments at each of the three major credit bureaus.
    • Experian: 1-888-397-3742
    • TransUnion: 1-800-680-7289
    • Equifax: 1-800-525-6285

  • Contact the security departments at all of the creditors for any accounts that have been fraudulently accessed or opened.
  • File a report with your local police or the police where the identity theft took place.

 

Obtain a copy of your credit report

Under the 'Fair and Accurate Credit Transactions (FACT) Act' of 2005 you are entitled to receive a free copy of your personal credit report from each of the three major consumer reporting companies (Equifax, Experian and Trans Union) once every twelve months. 

 

To order your copy online, visit www.annualcreditreport.com. If you prefer, call 1-877-322-8228 toll free.

 

It is advisable to request a copy of your personal credit report from each of the reporting agencies since the information may be different. You may choose to order all three reports at the same time; however, experts recommend that you divide up your requests throughout the year; for example, every four months. It's your choice. The Frequently Asked Questions section of the annualcreditreport.com website can help you decide which is best for you as well as answer other questions you may have. Whether it's to apply for a loan, or guard against identity theft, you should check and protect your credit.

 

Correcting Errors

Under the FCRA, both the credit reporting company and the information provider (Bank) are responsible for correcting inaccurate or incomplete information in your report.

 

Where to Start

Tell the credit reporting company or bank, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one below. Send your letter by certified mail, "return receipt requested," so you can document what the credit reporting company received. Keep copies of your dispute letter and enclosures.

 

Send the Letter to:

The Citizens National Bank
Attn: Loan Department
182 Main St
Putnam, CT 06260

 

Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.