Hi, Cardinal Financial financial has sold my loan servicing to Citizens one(effective today), anyone know if they are a decent servicer, as all online reviews as with most servicers are poor. It seems I am not in system yet, phone system doesn’t recognize SSN and online registration is not working. How long does a transfer usually take? As I prefer to pay online with ACH, can they assess a fee if they don’t receive payment on 15th if loan isn’t in their system yet?