Who is sending these letters?

You may receive a “Home Warranty” offer from various home warranty companies that show THE CITIZENS STATE BANK as your mortgage lender. There is usually a disclaimer at the bottom of the letter stating where its coming from. “American Home Protect, LLC.” is a frequent letter we have seen.  In looking at their page on the Better Business Bureau website, you’ll see multiple complaints and one-star ratings regarding this advertising.

How did the senders get my information?

At The Citizens State Bank, we’re committed to protecting our members’ personal information. Likewise, we do not sell or otherwise distribute it to non-affiliate third parties.

However, some information about mortgages, regardless of what lender the consumer works with, is public record. That’s how scammers like this can obtain your contact information. Do note that the account number provided in the letter does not match yours – this should immediately alert you to the likelihood of something being a scam.

What happens if I call the number on the letter?

Calling the number may connect you with a real person, or it may connect you to automated recording prompts. Regardless, do not offer them your personal information. Doing so could result in terrible consequences in relation to your privacy and finances.  

What should I do if I get this letter?

Although there are reputable home warranty companies out there, the best thing to do is disregard the letter. Dispose of it however you would any other junk mail you receive. In addition, you are always encouraged to contact us directly should you have questions or concerns. 

What if I would like a Home Warranty?

It is best to talk to your realtor to see what company they would recommend to use.