Where do we begin? For starters we had our mortgage through Citifinancial several years ago and didn't like the way they did business (mostly customer service problems) so we moved it to another company. But Citifinancial bought out the company we had moved to so we ended up being forced to do business with them again even though it was against our wishes.
We ended up in financial trouble due to economic loss of employment, and ended up having to file chapter 13 bankruptcy in 2003. Citifinancial was part of the culprit in us having to do this as they would not work with us at all when we were behind, even as far as refusing payments. We were afraid they would try to take our house and thought it best to file chapter 13 to protect it.
Fast forward to 2008--we completed our chapter 13 payments in May and were instructed by the court and lawyers to begin making payments to Citifinancial starting in June. (The court had been making our payments for us while in chpt. 13 and we had no contact with Citifinancial during this time.)
We did make our first payment to Citifinancial in June via phone (on time) but when we finally got a statement from them, the statement showed us to be over $800 delinquent! While attempting to make the July payment (on time), we were forced to wait on hold for almost an hour with numbers we had been given to call, only to have the representatives tell us they could not find our names, social security numbers or account numbers in the system.
We finally got through to a number that could locate us, and they gladly accepted our payment; when we inquired about the delinquent amount on the bill which should not be there, we were told they would look into it and call us back. They never did. So we wait another month and try to make our August payment (on time) via the same number we made the July payment. But this time we were told that they could not accept our payment because our account is in a delinquent status and we had to call another number. Nothing but run-around.
We ended up mailing the August payment via priority mail and have decided that there is no getting anywhere with this company. (This is the second time we have attempted to make a payment with them and they refused it--that is crazy!) Our next step is to contact our chapter 13 office or the lawyers from our case and see if they can get to the bottom of it--we should not have come out of chapter 13 in a delinquent status--the amounts we had gotten behind on from before we filed were taken out first thing, shown on the statement as 'arrears' amounts. It looks to us like they are up to their usually thievery and trying to get every penny they can get their hands on--legal or not.
And one more thing--we also had another real estate account with them which was due to be paid off in June. We sent the payoff amount to them and it was confirmed that they received it on the 13th of June. We have yet to receive our deed or titles or even to hear any word about that account or property.
In our book this company is a company of incompetents and are not fit to do business with the public. If it is possible for us to do so, we intend to get our mortgage out of their hands as soon as possible!