Citi Mortgage — modification / forecloser
Citi foreclosed on my home due to their incompetence working my modification
I fell behind in my payments due to oral surgery, numerous car repairs, very high utilities bills, legal fees after divorce etc...
I called Hope and talked with a counselor James Wells who got all my info and sent off a hardship package to citi mortgage. James was sure that I qualified for the making home affordable program since my income is at 39% of my mortgage . I called Hope in the middle of April 2009.
I called Citi and asked them had they received my Hope package and I was told by the rep that a foreclosure date had already been scheduled for June 2.
The Citi rep on the phone told me that in his notes he sees that Marcus Byrant is assigned to my case and that he is sending him a email to get that date moved. The rep explained that it takes a while for the loan modifications to go through so moving the date was imperative to my case and that he has emailed folks before and they have moved the dates for the same reasons. He gave me Marcus Byrant telephone number and told me to talk with him as well. I called Marcus Byrant [protected] several times I got no answer so I left several messages. I didn't receive any call backs from him. I gave him my email address, home and cell. Nothing was received. I talk with Kevin [protected] and Ken [protected] one of these Citi Reps sent off the email to Marcus Bryant.
I called Citi mortgage back about every other day or so. I was told to ask the
Citi reps to look at the DRI noting system to see what notes where added to my account so I could be informed on where my case was going. I received no calls no emails no mail from Citi.
I called on May 20 and the rep pull the notes up on their system and I was told that they are needing pay stubs from me to show my income. I faxed them to James Bryant like I was told on May 21 2009
I called Citi again and again to check the status. I was told that I had been approved for some kind of modification but all they were needing was my home value information. I offered to send what I had or to get that to them. I was told that they would need to obtain that info themselves.
On May 31 or June 1 I called to see what was happening the Citi rep Ashley Tarron [protected] her rep number is 34236 told me that was my home was still up for foreclosure on June 2. I was SHOCKED. She placed me on hold and got with her manager and she said that she saw notes that I was approved for some type of modification on May 13 but the property value info still had not come in yet but her manager was indeed moving the date of foreclosure to make time to get the needed information they were waiting for to get my new payment amount.
In the meantime, I am still waiting on modification information and finally on June 23 I get a letter from Citi letting me know that my file was forwarded to the loss mitigation team. See attachment
I also get a yellow envelope that has a card noted 6-23-09 to call Citi mortgage. see attachment
I call the number [protected] and the message says " If you are calling about the status of request for mortgage assistance the review process will take approximately 30day's. sign in to your account at Citimorgage.com for status update
I go on line and I can't access my account so a number pops up for me to call.
The rep tells me that my home was sold for foreclosure on June 2!!! I lost it asking why and what because I am getting information from rep after rep, I got this letter dated June 19 saying that my modification was being worked.
The rep told me that the date was never moved, then more excuses: they had received a incomplete package from Hope James Wells. They hadn't received the property value information they had requested. I informed her that the date should have been move long before and they where responsible for the property info.
She told me that since I leave in Texas that I couldn't do any thing about the house being sold and that a eviction letter was mailed out on June 26. I got it on June 29. see attachment
I called back on Sat June 27, I spoke to a rep and asked her who bought the house, she explained that couldn't find that info and that since she was in Loss Mitigation that there is nothing she can do for me and gave me yet another number to call for REO [protected]. I left a message no phone call has been returned.
I got 3 days the letter says. Citimortgage inc. has purchased the house now. I have no where to go!
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