We entered a repayment agrmt with CitiMortgage in July 2009 to make 12 inflated payments of $555 starting in August 2009 and ending in July 2010. We made every payment early. When we completed final payment, Citi claimed we still owed more on the repayment. We presented our proof & the runaround began. Their records were incorrect & they still haven't fixed them. Moreover, two months into the repayment plan, Citi's attorneys filed suit for foreclosure! On Oct. 19, 2009, my husband appeared in court alone, presented our proof that we were in compliance, and the judge found in our favor; Citi was ordered to pay all attorneys' fees and court costs. The following day, Citi began moving money around in our account - trying to hide the attorneys' fees. So the issue is still unresolved, Citi is still in contempt of court, & we still receive collection calls every week, even though we pay on time & haven't been late in 15 months.
My advice to all Citi victims: It's time to FILE A FEDERAL COMPLAINT AGAINST CITI. Go to the website of the Comptroller of the Currency and of the FTC; both have complaint forms. Visit the website of your Secretary of State; there should be resources there to report mortgage fraud. That's what this is - FRAUD. Before you start on the forms, write out a simplified timeline of what happened to you - it will make filling out the forms easier. Citi doesn't care if we sue them; they have dozens of attorneys on staff. What they DON'T want is to have to defend countless federal complaints. Make the effort, and make Citi pay, & hopefully get your lives back. Good luck!