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2.8 275 Reviews

CitiMortgage Complaints Summary

124 Resolved
151 Unresolved
Our verdict: Dealing with CitiMortgage, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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2:32 pm EDT
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CitiMortgage refinance scam

Received notice from citi to refinance my 5/1 arm into a fixed rate in early Sept. 2009. After working with their represenative, and being assured that it would be approved on our second home in Texas, I gave them the $470 for an appraisal to start the process. After getting the appraisal and with credit scores of over 800, I was advised that they had turned down the refinance on a judgement call. I feel the real reason was the reduced revenue and the $470 should be refunded. They said sorry but it is our call and nothing could be done. I think they are misleading customers only to keep their employees and apprasers working.

No more bailout money!

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P T
, US
Oct 21, 2016 1:31 am EDT

I went through them to refinance my home. We paid them $500.00 + up front for service fees and appraisal. We went through the entire process and when it was in underwriting they stated could not refinance us after all. I advised them I provided all of the required paperwork and this mistake was not our fault so we should get reimbursed the money we gave them when this whole thing started. They have been giving us the run around for several weeks now and still have not contacted us about it. When I called the person I was working with from Citi he did not answer my calls and just sent me an email that he was still discussing the refund with his manager and would get back to us on it. It has been several weeks and still nothing. This is the person we dealt with. He seemed really friendly and was in constant contact with us (phone & email) until things fell through and we wanted our money refunded. This really seems like some type of SCAM they are running on people.

Matthew Cruz
Mortgage Representative CitiBank, NA
Direct: [protected]
Fax: [protected]
NMLS Identifier: 1414507

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New y
Dickinson, US
Dec 26, 2012 4:51 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I discussed refinancing with Citimortgage to go from my current 6.58 interest rate down to a 2.75 interest rate. I only owe 57, 700 on my mortgage for the next 17 years so it makes sense to go down to a 15 or 10 year refinance. Well, I got the numbers back and it appears instead of saving, my total I owe will be 59, 600k. So that means Citi is stealing all the savings and trying to con me into paying them 3k so they can steal it. What kind of scam is this? Are people really that uninformed? I was told I would save 100-200 per month note. Really? And rather than use the tax value of my house I am to pay them 650 for an appraisal? Nonrefundable of course should the loan not go throuth. They should be put out of business for theft. Of course I declined. Had I not asked for the entire 15 year payout schedule I would not have known they were stealing the savings. I guess they expected me to go for the 100-200 per month savings, which is not really savings since I would owe more.

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cole77
Lancaster, US
Feb 18, 2010 2:57 pm EST

the very same thing happened to me. call citibank and tell them that i will do my business with someone else.

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8:41 pm EDT
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CitiMortgage misleading information from citi while doing modification

Since February, I applied for Mortgage Assistance with Citimortgage to get a mortgage lower due to being divorce and having to paid the mortgage, car notes, bills, and insurance on my own and not getting behind just to save money. Had to wait for five months to see if a got approved.

I had to call Loss Migitation department several times to find out what was going on and who was handling my loan mofication if I was approved or not. I did get a letter in April saying I was denied and called Citi for reason for denial. They said to ignore the letter and they were still working on my account. I finally called at the end of June and they told me I was approved for a Modification trial plan. They told me to pay mortgage for $907 which was less than mine usual $973 note and I did not have to until September. Then I got another call saying I will get paperwork sent by UPS for fill out paperwork for Modification, but payment was just $720 and was not due until September. I'd explain I was told to pay the $907 instead of $720 in July instead for September. The representative on the phone said that was OK and that will cover August payment and only have to paid on second installment for $553 due to overpayment. I did fill out the necessary paperwork and made the payments on time and had October payment for $720 ready before trial period ends.

But something did not seem right with getting collection calls and collection notice in the mail back on September 14th. I called Citimortgage about why I'm getting collection calls if I am on Trial Modification plan? The reps told me not to worry and ignore them since I was on the Modification plan. I was getting my account handled by different reps. The last person handling my account only left voicemail on my home phone instead of calling on my cell phone like the last rep contacted me.

I left voicemail that same day, but he did not call my cell phone. I called the next morning before I left the house to take my kids to school before I went to work. I told him I left him a voicemail about getting misleading information from another rep who took my call since he was out of office or away from desk. He I was denied by the underwriters but I then said it was a error and was working to correct this. I told him I call him when I arrive at my job. I called him back and got the usual voicemail. I called again asking for his manager to explained I was not satisfied with service and runaround I was getting from Citi handling my mortgage. He did call me back and explain he can put modification plan that will make me more money over a thousand dollars? I said that was increasing my bill even worse than $973 I was paying every month. He tried to that was including real estate escrow taxes and insurance I was paying separately at the beginning of the year and I was not satisfied that I was denied while on trial period have not ended before I made my last payment. We started arguing that I wanted I speak to his manager. His manager was just repeating the same excuses without explaining how they can help me? It was like I did not pay them anything the last three months and the payments did not go to my mortgage?

I called collections two hours later. I rep first told me not to worry regarding the late payments should be posted on my account since I was on the modification trial plan. Then he said numbers he was seeing was not matching what I recieved in July for only $720? I told him who I talk to and now I said change from correcting this or he could not do anything? I feel that they messed up my payments I was making on time since 2007. Right now I going to check with attorney dealing mortgage problems and show them the paperwork and payments I made to Citi to just to lower my mortgage, not to mess me up more with late charges and increased payments?!

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RomanRealtors
Santa Ana, US
Mar 18, 2010 4:02 pm EDT

You must consider a shortsale most people do not realise that the bank does not care about the homeowner and there are millions of boiler room scams offering loan mods popping up every day . Out of 4 million homeowners facing foreclosure only 135, 000 have been helped thru a modification, companies are no longer allowed to charge for modifications so anyone offering their services at a price is a scam . I suggest talking to a licensed real estate agent about your case.
www.romanrealtors.com
also many people do not qualify for the 5 requisites the bank requires .

we do not charge for modifications or shortsales the bank pays us. We wont ask u for a dime.

Joaquin Roman
Owner
Roman Realtors and Financial Services, Inc
3005 S. Bristol
Santa Ana, CA
http://romanrealtors.com/
[protected]

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ayazoglu
, US
Jan 09, 2010 4:54 pm EST

i had same problem with citimortgage. I was first put in a trial program. also was told that i would be send letters by mail . I did not get anything. making my payments and recieving letters still showing as if i havent applied to mortgage program. after 2 payments i stopped maikng payments and first i recieved a mail saying i was denied. I called them ask for the initial papaers they had to send never came and if you have the intention to take my home i would try to keep money to myself. I was told by rep that this waws a system error and i was still in program, then 3 days later i recieved a email from citimortgage that i was approved for modification and would recieve paper work within 5-7 days. after that email i immediatly made payment also tolked with representative. I called 2 weeks later because i didnt get anything in mail. I get the answer that i was denied. I asked how does thinks change in 2 weeks no answer. itried to aply with bank directly but i guess the games played in this area is more than i can imagine. would tolk with a lawyer. if anyone has a stiuation like that and can email ayazoglu_78@hotmail.com i apriatate it.

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11:40 pm EDT
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CitiMortgage complete abuse, ways to fix it

Please listen to me if citimortgage is stealing, harrassing and abusing you and you family, I can tell you how to fix the problem, very easily..

We need to stick together and create accountablity in this company called citimortgage... They are hurting us all in the us and we have to stop it.. Please just do these simple steps and we will as a unit stop this company from abusing another customer...

1st,
Type up a simple but detailed e-mail with this format..

Your name and address
Your property address
You phone number
Your citimortgage number
The date..

In your subject line write something like "help" "please can you help us", etc.

Ask for help, tell them what is destroying you and your family from the inside out..

The problem in full detail with some feelings but no swearing or too much hatred.. Because higher up people won't listen to that stuff... But, please put your feelings in and what this company has done to you and your family in detail..

Again ask for help, put the mortgage number in at the end of your letter again..

(Close with a)
Thank you, as much from the heart as possible..

Then send the e-mails to all of these people and everyone else you can think of.. Because the more people who know about the abuse the more we will get help..

This is the first and most important company we can contact, but there is power in numbers please contact as many people in as many companies and states as possible because we need accountability on the part of citimortgage, no more abuse..

Occ - office of the comptroller of the currency, administrator of national ban

I would google everything I could think of "citimortgage complaints" "mortgage abuse" etc.
Please do this for all of us.. Place complaints with all companies you feel can help us.. I sent out hundreds and those that I contacted have been working very hard for me...

Make sure your phone number and your mortgage numbers are correct..
Then get ready to take care of yourself and others, while citimortgage gets a taste of its own medicine.. We have to do this..

After you have e-mailed all of the people on your list and all of the suggested people below, call or e-mail hope, they will help us fix our mortgages and they won't steal from us any more...

Please contact all of these companies and more... We have to take action to save ourselves and others..

Contact us - thank you page president obama

___________________________________________________________

The united states department of justice - united states attorney's office
___________________________________________________________

A-z index of u. S. Government departments and agencies (A) : usa. Gov



Maryland attorney general

___________________________________________________________

Write your representative - contact your congressperson in the u. S. House of r



Ftc bureau of consumer protection - consumer information



Consumeraffairs. com: knowledge is power! Consumer news, reviews, complaints, r _stop

___________________________________________________________
Local hud information



Stop citimortgage from abusing there customers online access |comment| the sta

___________________________________________________________
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Citimortgage frustrations, part 2 | alexking. Org

___________________________________________________________

Findlaw | about findlaw.

___________________________________________________________

Email list of all state attorney generals offices and or related contacts. - t

___________________________________________________________
Consumer complaint

___________________________________________________________

Consumer complaints about citicorp mortgage

Thank you, you are no longer helpless against this company that bullies all of us, thank you, for helping yourself and others..

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Chico2254
Broomfield, US
Jul 21, 2011 7:37 pm EDT

We received an email stating we had a balance over 2000. The current months dues plus 1000 from last month. We had sent them 2 money order for the month previous over two weeks ago. So, my fiancee called and asked them what was going on and they told him that their machine only takes out one check at a time from the envelope? My fiancee asks them where the other check is then and they say I don't know, could be anywhere even though we have sent our payments in this way for over 7 months with no problems! Ok so, then we look at putting a stop pay on the check and we call them back and they said well if it went to Urbandale it should be fine (just another example that no one has any clue what they are doing). We tell them um ya we have a copy of the fedex airbill and that's where it went. So they tell us well, you might need to see if it was cashed because it could have been applied to another account-even though our full name and account number was clearly on the front. So, we call the bank where the money order was drafted and they tell us the check was cashed. Now we have to pay for another money order to send to the bank then they will send us a copy of the check front and back. Of course Citimortgage is taking no responsibility for any of this and now we are having to jump through hoops because of their incompetence. I am so mad about this and cannot believe what idiots they have running this place. Not to mention their customer service, well they have absolutely none! I agree with everyone, this company is horrible and I cannot believe they are still in business.

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ojmiami
Palmetto Bay, US
Jun 09, 2011 11:33 pm EDT

I have been paying on time and sudenly my statement shows delinquency fees. I called and told me that that due to late payments in 2004 that they never applied to my account. A rep Ms. Tesa gave an ID number 8702 which I believe is bogus treated me very disrespectfuly and hanged the phone on me, told me that I have to pay the delinquecy fees even when she was unable to explain to me why they were posted to my account. For the last few month they have been taking my monthly payments holding them for up to 2 months and applying them to the delinqunecy fees created by them holding the payments. As a shareholder of Citi I feel ashamed of been part of this company and the way they treat the customers.

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spowart
, US
Apr 28, 2011 12:41 am EDT

I got sick and got behind on my mortgage with citimortgage. I paid the ENTIRE amount due (3 pmts.) on the 16th of April( the third payment was for the month of April). On the 19th I got turned over to foreclosure AFTER I WAS PAID IN FULL. I called Citimortgage and was told that even though I made the payment on the 16th and GOT confirmation of payment, the payment hadn't actually processed until the afternoon of the 19th and that by that time they had already filed for foreclosure.
Now If I don't pay the attorneys fees they will continue foreclosure Even though I am currently paid to date.

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Scauthen
Aurora, US
Feb 15, 2011 9:02 pm EST

Well folks there seems to be a number of us. What are we going to do?

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Citi-Lies&Fraud
, US
Jul 10, 2010 11:41 pm EDT

The exact same for me too. 18 months of stressful insanity. For six months I have paid HAM payments and listened to Citi agents tell me my documentation is incomplete ( I have provided it in triplicate, with proof). The only reason it is incomplete is because of thier incompetence. The only modifications Citi gives is when the homeowner owes way more then the home is worth. If there is any equity or possibility of Citi getting their money back, they will sabotage your modification, take your home, keep the payments you made, and get a nice tax advantage on the forclosure as well!. They are doing it to me! The same day they told me on the phone " your account is in review...don't worry the forclosure is on hold while the account is in review", is the same day they posted the 'Notice of Trustees Sale on my do0r! I am a single father with two kids, no help, and 20 days left.

Angry Mike in Ventura, Calif

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Verlina
Oakley, US
May 11, 2010 9:25 am EDT
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The exact same thing has happened to us out here in California. Our mortgage is 2349.07 per month our mod payment was $1899.55. I paid all trial payments on time with lasted from June to Nov. They then said you don't qualify for the h.am.p mod but we can qualify you for the in house mod. We made those payments on time as well. Now, they said you don't qualify for any modification and you are behind 2 payments. I asked how and they came up with some crazy story. I am still paying my original payment of 2349.07 current this month. We received a notice of default saying we are still behind the two payments and foreclosure proceeding will begin 5/31/10 if we don't pay the 2 payments that they say are behind. We are so frustrated! I didn't know they can do that!

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Milton Morales
woodhaven , US
Feb 15, 2010 4:25 pm EST

Oh my GOD, it sounds exactly like my story except I applied for a mortgage modification in June making all my payments through Jan, seven months on time and the amount they requested which was 134.00 less than my regular amt. then was told that my modification was denide in Dec.and now they tell me that I owe three months in arreas over 4, 000.00 my account is delinquent which means that my credit is ruined after owning my home for 16, years and maybe lose my home. I am at wits end I'm going to the main branch tomorrow 01-16, -09 to see if somehow I can talk to someone or should I say BEGGG... someone to look into ny account and give me back my dignity, credit, and possibly my home.

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RebeccaInOrlando
Orlando, US
Dec 22, 2009 2:58 am EST

Citimortgage is absolutely the worse company I have ever dealt with and there is no question in my mind that they are ripping all of us off as consumers. Read the numerous complaints about Citimortgage on consumeraffairs.com. I applied for the Hardship Assistance Program last March (2009), but prior to doing this, I had good credit and had been laid off from my job due to my company downsizing and eventually folding. I accepted a less paying job and have been depleting money from my 401K and my savings to make ends meet in order to keep my home. It has been nothing but horror in dealing with Citimortgage in getting paperwork processed and receiving harassing calls that I never should have received because their departments do not communicate with them. I can go on and on about the rudeness and complete incompetency of this company in dealing with any department within their company in numerous offices in different states. They lost 3 faxes and misplaced over 10 pieces of paperwork from original documents that were fed-exed off to them that I had to fax or scan to them "immediately" many times. I have owned my home in Orlando since 1995, and I received a phone call from one of their offices in Arizona to call them back right away at 8pm eastern time last night (Dec. 20, 2009). I was not at my phone when they called and immediately called them when a family member told me my phone had rung and I heard a voice message from "John" with Citimortgage in an Arizona office to call back ASAP because they needed more documentation for the final process of my hardship assistance loan. I need to state that I hadn't heard from them since October, 18, 2009, and I was in the "final stage" of being processed as of the October 18, 2009 date. I was also informed that I would know something in no more than 2 weeks from that date of Oct. 18, 2009. I was given a 3 trial payment period for the new "supposed" loan modification from them and made the requested payments for October and November. The phone call I received tonight from "John" who is in the HAM (Hardship Assstance Mortgage Department) in that Arizona office informed me that they needed paperwork, which again, was not even a part of my loan process. I explained this again, for the 20th time (this is an accurate number) to "John", who asked me to hold while I explained that I had sent in all necessary documents requested via a scanner to email from my accountant about a business I opened and am making sufficient money for expenses. "John" told me that I was correct and that the they had made another mistake in not looking at my documents thoroughly enough. "John" informed me that he would request the underwriting team (Now I've transformed myself from the tears to calmness in knowing that they are totally inefficient, uncaring, and I now have ruined credit that will take me years to get repaired.). However, I was told on Oct. 18, 2009 that they needed proof of my self - employement earnings and expenses ASAP and that this information could not wait. I paid my accountant to help me expedite what Citimortgage needed "right away" in October only to receive another phone call last night (Dec. 20, 2009) stating that they needed more information that had nothing to do with my present employment situation. They had "misread" my file and case again, and that it would not be longer than a week for me to know if I would be "approved" or "not approved". I didn't lose my temper but went into a bit of tears of frustration again and told "John" that I needed to know what was going on before the end of this month and that I couldn't take anymore of Citimortgage's incompetence of not doing what they have been promising to do from their side. "John" told me that I had "his word" that he would get right on top of it and ask the underwriters to please look at their mistake in not seeing the 9 pages of documents that were drawn up from my CPA that were in my file from Oct. 18 and that this is Citimortgage's fault in this "oversight". How could this be an oversight? "John" also asked me to please understand that they had tons of loans to process and that errors can occur. Now, it is to the point that their countless errors of my over 100 calls of holding from departments from Maryland, California, Texas, Missouri, and there are a few other states and time zones that I haven't mentioned because I don't have my "War and Peace" documentation about my dealings with Citimortgage in front of me as I am writing this. I will make my third payment to Citimortgage in this "trial period" and if I am denied, I read on the consumeraffairs.com complaints from other Citimortgage consumers that legal action works against Citimortgage along with reading about a person who wrote to one of their senators in their states in their horror of dealing with Citimortgage. I am calmed down now at this point and will write the senators and legislatures in Florida, our governor, and I will send a letter to President Obama about this also. This is what seems to work, in my opinion, because like you and countless others who are dealing with Citimortgage, we aren't getting processed and they don't care. I don't read or hear of people getting help with their mortgages from this company. People are losing more homes and are sending in information to Citimortgage, but they aren't doing their part in processing it correctly, and again, they don't care! This company received one of the largest "bailouts" to help us and they rudely deal with us, put us on hold, give us wrong answers and then get our hopes regenerated only to find out that the information we fax, scan, email and directly mail ends up lost or not added to our files and / or the information is "overlooked" or "misread incorrectly". Citimortgage is not abiding by a direct order of President Obama in helping us. I'm not even beyond suing them for all of the emotional and psychological mistreatment they have done to me in addition to owing me a great sum of money for large cell phone hours with them and ruining my credit. Fight these ###s who are taking our money again after being "bailed out". I would like to hear from any success stories that anyone has had from fighting this monster of a company. Rebecca from Orlando, Florida U.S.A.

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RebeccaInOrlando
Orlando, US
Dec 22, 2009 2:50 am EST

Thank you! I will contact all of the above and my legislators in Florida!

Rebecca

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tirza
Brighton, US
Dec 08, 2009 5:54 am EST

Thank you what a great list of contacts!

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CitiMortgage scam charges

I have gone through painstaking efforts to get my mortgage paid on time since Citimortgage bought my mortgage form LaSalle Bank (now called Bank of America).

For years I simply went to LaSalle Bank and paid my mortgage on the 15th or 16th (or the following Monday if the 16 landed on a Saturday or Sunday) since I got paid on the 15th.

Citimortgage informed me that there is no physical location that I can pay my mortgage within 173 miles of my home. I can't mail my mortgage because it must get paid after the 15th, but before the 16th which is the last day I can pay my mortgage on time. For several months I was forced to call in my mortgage for a $20 fee.

In order to stop these $20 fees the Bank of America branch manager helped me set up an account that receives my mortgage payment from my employer's direct deposit on the 15th and automatically wires my mortgage payment to Citimortgage on the 16th. In August, September and October of 2008 my Bank of America account wired my mortgage payment on time, however Citimortgage shows that my payments were received one day late and added a $57. 87 late charge each time.

After meeting several times with the branch manager at Bank of America to establish the exact time that the mortgage payment is wired to Citimortgage, it was determined that my mortgage payment was wired to Citibank before 3AM on the last day I could pay my mortgage in time. However, it turns out that Citimortgage needs time to acknowledge the wire transfer and always receives it one day later. After spending hours talking with Bank of America and Citimortgage customer service no one could come up with a way that I could pay my mortgage on time.

A coworker suggested that my mortgage be direct deposited directly from my employer. I spoke with Citimortgage customer service and they said it is possible to do this and gave me the routing number, citimortgage account number and other required information to do this. This will get the mortgage payment to Citimortgage on the 15th (one day earlier) and hopefully will be acknowledged by Citimortgage on the 16th and on time. My mortgage will be payed this way starting November 15, 2008.

At the request of a Citimortgage customer service representative, I faxed a this information to have the 3 late fees removed. I just got their response today that they will not remove the late fees so I am going to have to cough up another $173. 61 and possibly more if my new method of payment isn't satisfactory to Citimortgage.

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sangeez2005
Niagara Falls, US
Apr 28, 2014 3:04 pm EDT
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They are the biggest thieves that I have ever come across

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CitiMortgage interest/sayingwehave a late payment

I have a mortgage with citimortgage, account # [protected]-5 lori b snyder, I wrote a certified letter about 8 months ago, no one contacted me back. I went bankrupt over 5 years ago, my husband had several back surgury's I was forced to do this tredegy to our family, than I losted my good job a went from 12.00 with benifets to 6.00 an hour as a sales person, I never was late on no payments ever. than I had a program, by-weekly I understood I couldn't do that until my bk was discharged, but my mortgage was not in my bankruptsy, I paid my payment, never late, but nothing went on my principal. I asked over and over, citi couldnt tell me no answer, just threw it in my face, I went br like I deserved no pricipal on my loan. than citi, months ago they made a mistake, an said we were late? we were never late, ever time we called in customer service they would say we will take it off, next month it never happened! please help I dont know what else to do you can only talk to customer service so many times and no response!

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flagerdefon
, US
Sep 19, 2009 10:10 pm EDT

fair opinion, who the hell do you think you are?

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A fair opinion
Tucson, US
Sep 19, 2009 10:04 pm EDT

Sooooo did you go to high school? I cant understand a word your saying. Sorry to hear about your situation but really concerned about your grammar. Good luck with that. When you can form a clear sentence repost your complaint and than we will talk. Thanks.

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CitiMortgage cust. service / rudeness

My husband robert monroe has given cust service permission to speak to me many times cecelia monroe lost the house in their divorce. I am his new wife I have 3 people interestes in buying the house now since may and no one will listen to us. Now my husband has passed away so I am your only source of info. I have poa over all assets. U need to call me [protected] asap cecelia is court ordered to stay off the property ans not to get involved and is not to benefit of any oversale money I have all court papers to prove this call me! Account # [protected]-9 and do not be rude or I will seek an attorney for how I have been treated by your reps! Thank penny l. (Cooper) monroe

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CitiMortgage flood insurance scam

I have mailed proof of Flood Insurance for our Condo in Boulder to CitiMortgage Inc Insurance Center, Box 7706, Springfield, OH [protected] on four separate occasions since our former policy expired in early June 09. The flood insurance policy is also available on-line. In spite of this, Citi has taken out Flood Insurance on the property. We received the most recent demand today, August 15th. Citi has never answered any of our communications. This is clearly a scam to intimidate and harass the motgage holder. The mortgage covers only 20% of the value of the property and we assume Citimortgage would like us to pay off the loan. As a shareholder of Citibank, I am at a loss as to why this Company would try to alienate a client paying 8% interest.

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mpaco3028
Harsens, US
Nov 22, 2010 10:19 pm EST

THIS COMPANY is without measure. I've never felt so abused in my life.
I have the same exact problem. My insurance is 3 x's the value of my loan. The problem I had...Original loan papers only required me to insure the value of the loan...but after winding up at Citi after the loan being sold on two previous occasions, they demanded the full amount allowed by FLood Insurance program or the value of the home.
This was and is not located on my loan papers...HOW DOES THIS HAPPEN TO HONEST CITIZENS who pay their mortgages? BECAUSE OUR LOANS ARE OWNED BY THE FEDERAL GOVERNMENT...FREDY/FANNY

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CitiMortgage mishandling from a to z

In the last 3 years citi mortgage has been an absolute nightmare to deal with. In the last segment of the disaster to get a Home Modification approval we finally got a huge package to fill out and send back with a timeline of 4 days to complete. I did so and was very excited about the lowered payment and gathered every thing requested. After contacting the company Citi hired to handle this to see if everything is ok and if they need anything else I was told each time they need this, they need that, they did not get this... so and so forth. Stalling tactics. Only do I find out if I call. We never get any info unless we call. Hours upon hours spent on phone and nothing ever gets done. Then, the last straw came today, when I called citi they told me to disreguard the payment they agreeed on for us that is must be an error and our new payment will be such and such. About $700.00 more than the agreed amount THEY sent us. I am so devasted I cant function today. We need help from the GOv!

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MickyDDD
Lemon Grove, US
Apr 07, 2010 5:12 pm EDT

All of these Citimortgage HAM complaints are legit! I have been dealing with Citimortgage since the program began last year (over a year) and still have not been accepted. Just recently, they said that I was $5.00 over the limit and didn't qualify. After I got layed off from work and started to receive unemployment. ... they said that I still didn't qualify.

Citimortgage is so dishonest to work with... I will not get another mortgage with them in the future!

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Lanisa
Washington, US
Mar 20, 2010 10:31 pm EDT

i sympathize with all of posts. I began the ham (home assistance modification program) in May 09. After sending in every document, paying every bill, and calling repeatedly, I got absolutely nowhere. In fact, I ended up worse off than when i began the process.

When I started, I was current on my payments. I had taken in a roommate to make ends meet. I had good credit and a tiny bit of savings in my account. Still, my job cut my pay and I had a super bad loan (10 years interest only @ nearly 7% interest rate).

On March 15, I checked my account online. A message read "Your account is in the final stages of review. We expect to approve your modification in three business days." I phoned on March 19th and discover that my modification had been denied.

The denial was rough enough. But, on top of that, I now 0we $20k for the reduced payments that I made while on the trial period, my credit score dropped more than 50 points and I have NO recourse. Plus, since I am still behind on payments and now have bad credit I can't even b e considered for a refinance with another company.

On top of all of this, the Citimortgage rep that I spoke with recommended that I put my home on the market as a short sale.

DO NOT DO THIS PROGRAM!

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laurajg
Highland Heights, US
Jan 29, 2010 5:01 pm EST

I have just received at least the fourth request to send documents to CitiMorgage. They are also asking for documents that do not even exist center as the tax records for 2009. I have tried to call there on several occasions and there is no answer. I also received a letter from CitiMorgage not the ham program, saying that I was in forbearance in foreclosure was eminent. I have made my monthly payments timely and I have done it a electronic flight so there is a document trail showing that. When I called them and they said all year in the modification program just disregard the letter there sent out by computers. I don't know who to call about this horrendous mess or whom to write. I don't know if the congresspeople or the secretary in Washington would do any good. I am just so frustrated and ticked off that consumers are getting shafted this way. If I was on Wall Street I could get a bonus for this ignorant behavior.

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PMar
Hobart, US
Jan 15, 2010 9:37 am EST

My husband lost his job 10-08 due to the economy. We were not late on our mortgage or any of our bills. We were being proactive in March 2009 when we applied for our Mortgage Modification. It has been a nightmare. I just got off the phone with them, after sendin documents by fax and mail six times, they are requesting them again! Our credit which was excellent has taken a dive even though we were assured in the beginning that our credit would not be effected. I am not sure what to do that this point. I know people that don't care about their credit that now has better credit scores than us. I am so upset.

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KKMK
Baltimore, US
Jan 13, 2010 8:30 pm EST

I can't even begin to say how frustrated I am. I have been in this process since February 2009! 2 programs...of course after I completed the first one they said this one is no longer active I had to start another one! I completed the second program in November '09 and finally receive my final modification letter today (1/13/10). And guess what they did for us! Our mortgage has been reduced by $227 per month and my principle balance is now $9100 more than when I started. I have 5 late payments on my credit report and the mortgage is still more than we can afford. I have done everything I was suppose to. Sent in documents multiple times, made every payment on time and it has gotten us nowhere but further in debt. I have no idea what to do now. Maybe if I would have done what people who don't give a crap do and just not pay my mortgage, save my money, live in my house for free and wait for them to kick me out We'd be better off now! Thanks!

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pressures on
fall river , US
Dec 23, 2009 6:23 pm EST

this is true .i provided citimortgage with all documentation 4 times certified mail and faxed -i kept track of it and they still say they never got it and sent me a letter stating help would be canceled under the hamp program if they did not receive, -i wrote my senator, congressman, attorney general and made complaints citimortgage.i kept the pressue on till i was too weak mentally to continue-these people are ###! i believe they do not want to participate in this it is costing them billions.there customer service (before their dropped calls, mistatements, and lies w/names ), were all carefully documented -i have a file of over 200 pages since my ordeal started-not until you hound the ### out of them -call them on their own mistakes, record and document everything do you even have less than half a chance to get loan mod completed that you qualify by law.everyone keep the pressure on complaincomplain complain to every government entity-most of complaints can be done on line.

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Ms. Cameron
Lithonia, US
Dec 17, 2009 1:40 pm EST

I have been trying to get a modification since March 09. When working with them on my own they turned me down said I didn't have enough income. I got a HUD Counselor and 2 weeks after he contacted them I got my trial packet. It said pay this amount for 3 months then you are approved, well it's 6 months now and I get excuse after excuse. In November they said I don't have enough income, I corrected that, then they said they found something in my credit report, I confronted them on this and they said it was probably an error but the real reason is I need 9 months left on my unemployment, and they stated they want me to pay back all the money for the last 6 months ( the difference between the new and the old mortgage) but the letter they sent that said I was in default demanding payment did not even deduct what I had paid over the last 6 months.

This week 12/14/2009 when I called to get an update THEY HUNG UP ON ME TOO?

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michael k.
Manalapan, US
Aug 13, 2009 12:17 am EDT

its been a year now that I have been calling and trying programs for re modifiying my current home loan. I had the same experience. I complete the forms necessary as instructed, mail, fax and get no response until I hunt them down for an answer. Then the same thing happens, they say they need time to get back to me, are not clear if they received the paper work when I ask for a confirmation, months later get a denial letter. I wnet thru just about every program they rolled out, spoke with every tema they have, called all numbers and departments. I leanrned they pocketed all of our current and future tax dollars, the gov. loans or bailouts where not to help us, the primary home owner, and will only entend the help if your request is presented or represented legaly. This is done to retain the highest of the dollars and dispurse the least amount they can in order to stay afloat. I think the media should take my phone recordings and throw it back in their face for what they are doing to hard working and struggling american fathers like me and every other family or home owner out there going thru what they call hardship. I spoke with the HAT team for the HAM program, loss and litigation team, was assigned a councler without an extension, got the name Don Alexander but good luck getting in touch with the wiZard of Oz. I have sent in applications twice for hardship, given my hud for all the new tools as they roll them out for a over the phone approval, and get denied every request. They seem to find a excuse from any angle they can. I am up to 100+ pages of notes now, sent them everything but blood samples and sick to my sould as to what they are getting away with. The classic move & I know anyone who experiences this is going to get a chill down there back when I say this is "WAITING ON HOLD AFTER THE PHONE BLENDER & THEN THEY HANG UP ON YOU", THEM CALLING YOUR HOUSE TO SPEAK WITH YOU & HANGING UP ON YOU WHEN YOU ASK IF THEY CAN UPDATE YOU WITH YOUR CASE.

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CitiMortgage insurance check

After storm damage to my house, the insurance company made the settlement check out to me and the mortgage company. It was our understanding that we would endorse the check and send it to citimortgage, along with requested documents, and they would immediately send us a check for half the amount so we could begin repairs. Two weeks later we are still waiting for the check, and now they have informed us it will be made out to us and to the roofer. I explained to them that the roof is only one part of the damages. We need to money to pay for other repairs. The roof won't even be done for several weeks. We have already had electrical work done for over $3, 000. The electrician is still waiting for payment. We sent the invoice to citi, and they said they don't know why we sent it! We are also supposed to be reimbursed for tree cleanup for $500. We sent a statement on this and again, they act like they don't have to pay us. Very frustrating. We need a lot of other repairs done and they will not release the money! Who do I complain to?

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Davidpissedoff
Cherokee, US
Jul 17, 2010 3:27 pm EDT
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in my situation, citibank allso told me I would get half of the 13000.00 + thousand. I sent in along with the indorsed check the estimates and paper work that I down loaded from there site. Now they want estimates on material cost to put my house back together, the cost to cleanup the storm damage.they were not interested in, this will need to be paid before I order any parts to fix my home.I will get them there estimates, but I need the check written out to me, not the bidder, I am quite capable of doing the work myself. would like to know if anyone ever got all of there money.looks like a lawyer to me.

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CitiMortgage escrow mishandling

This has got to be the worst and most incompetent mortgage company out there. I used to think it was Countrywide but perhaps their record has been topped. CitiMortgage, during the poor transition of my account from Countrywide, made duplicate payment of my insurance and tax payments after Countrywide had also paid and as a result, my escrow balance went into the negative. Rather than acknowledge and fix the error, they pointed fingers at Countrywide. They further compounded the problem by telling me they were going to base my 2009 tax payments on what was paid in 2008. How stupid! They said they were doing so b/c they did not have access to 2009 information. I've told them repeatedly that I have the information but they fail to consider it. I have since sent in $1481 for escrow and they have yet to appl;y it to the account, rather it is sitting in an "un-applied funds" pot. They have literally turned routine mortgaging into a nightmare.

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HOMEOWNER810
Elkhorn, US
Dec 15, 2009 3:25 pm EST

EVERY YEAR I HAVE BEEN RECIVING MY ESCROW CHECK TO PAY MY TAXES AT THE BEGINNING OF DECEMBER. I CHECKED TODAY AND WAS TOLD IT WOULD BE MAILED OUT TODAY. I CHECKED LATER IN THE DAY AND NOTICED NO ACTIVITY ON MY ACCOUNT. WHEN I CALL UP I'M NOW TALKING TO SOMEONE IN ANOTHER COUNTRY AND I CANT GET A REASONABLE ANSWER AS TO WHY I DONT HAVE MY ESCROW CHECK TO PAY MY TAXES. I HAVE ALWAYS HAD EXCELLENT SERVICE FROM CITIMORTGAGE, BUT THIS IS NOT VERY GOOD AT ALL. THERE WAS NO NOTICE THAT THE CHECKS WERE COMING AT A LATER DATE. NO EXPLANATION ON THE WEBSITE OR ON MY ACCOUNT ON THE WEBSITE. YOUR CUSTOMERS DESERVE BETTER THAN THIS. I EXPECT BETTER THAN THIS. I DOUBT IF ANYONE WILL LET THE PUBLIC KNOW WHAT IS GOING ON, BUT IT WOULD BE NICE IF SOMONE WOULD LOOK INTO THIS. THANK YOU.

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CitiMortgage bi weekly and loan modification issues

Everything has been fine with CitiMortgage for years. We have had no issues for 6 years, of course, we have not had to deal with them over the phone in that time. The last month has been unbelievable though.
First off, we applied for the Bi-Weekly advantage plan. Three bi-weekly payments had been taken out, with $25 of the $300 initiation fee taken out of each installment, before we had received the first monthly statement from CitiMortgage. Only two of the installments had been entered into our CitiMortgage account, the third was still being held by FNC Insurance. We noticed the bi-weekly installments were nothing more than a third party company taking $200 extra per installment and paying the payment in full once a month with $400 extra towards the principle. We looked at this and thought, "why do we need to pay a company to do this for us?" I called CitiMortgage and they said they had nothing to do with this and I needed to contact FNC Insurance company (should have read the fine print which states it is a third party company). CitiMortgage provided the number. I called FNC Insurance and asked them to cancel my policy... The gentleman said no problem, and faxed me a "notice of cancellation" to sign and return to them. I also requested FNC Insurance company to return my third installment, which they were still holding. The same guy said, "no problem, just sign and return the "notice of cancellation" and we'll gladly return your money. I looked at the form and it clearly states "FNC Insurance Co. reserves the right to keep any fees not yet collected." I told the guy I would not sign this form unless I was guaranteed FNC Insurance Co. would not keep any of my third installment they were holding on to. I also asked for them to return the $75 of startup fees they had already collected because I did not want to keep the Bi-Weekly plan. The guy said to write up a complaint letter, sign it and fax it in and they would look over it. I wrote the complaint letter and faxed it in. I called back and the same guy said they looked over it and would be returning my payment in full, without the $75 of startup fees already accumulated because we were three installments into the plan. I agreed to this. He said all I needed to do is sign the "notice of cancellation" form, send it in and the check would be sent out immediately. I signed the form and wrote a note on the bottom stating "my signature does not authorize FNC Insurance Co. to take out any additional fees as previously agreed upon." I called back the next day and they stated the check had been mailed. I asked the amount and the rep stated it was $300 less than we had agreed upon. I spent the next 2 1/2 hours on the phone pleading my case to no avail before losing my temper and of course any hope of getting my $300 back.

A few days after this, I find out I have a 25% reduction in pay at work. A few days after this I have CitiMortgage calling me to find out where my monthly payment is. The one I am now scrambling to figure out how to pay. I tell the rep that I have all but $300 of the payment and they would have to contact FNC Insurance Co. for the rest of it. Of course this wouldn't happen with CitiMortgage because they have NO IDEA who this 3rd party company is and only refer to them as an "acquaintance." So now I'm out a monthly payment. Great.

I transfer to the Loan Modification Department to see if maybe I can get my payment reduced. The minimum federal requirement is 31% HTI ratio. I provide my newly adjusted income and find out by their calculations I am at 30.34% HTI and I don't qualify. I do my own calculations and find myself closer to the maximum, at 36.5%. I inquire as to why our calculations are different, the guy could not explain it. So I check a little more and find out his calculation works perfectly if you do not include the impound account. I let him know the federal qualifications include the impound account. He puts me on hold to talk to his supervisor, whom I am eventually transferred to. They state CitiMortgage DOES NOT include the impound account in their calculations and ARE NOT required to!

Oh, and I also tried to get my past due balance added on to the end of my loan and CitiMortgage DOES NOT IN ANY CASE allow this either.

AM I CRAZY OR IS THIS RIDICULOUS?

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Rkr2014
, US
Mar 11, 2014 6:48 pm EDT

Same just happened to us! We received a letter they are without notice canceling our biweekly plan! No refund ( yes we were stupid enough to pay a fee for to start up the biweekly plan!) I hate citimortgage and so do all the realtors I have spoke with . We called to ask why they cancelled the plan to an agent who I can hardly understand since she had issues speaking English! We asked for a refund to be told someone will get back to us! Yea right! When pigs fly!

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liztn
Sweetwater, US
Feb 18, 2014 7:12 pm EST

Same here. After 6 years they cancelled my plan with no refund. When I asked when they were sending my refund back the woman, that maybe spoke English as her third language, once she understood me, asked if my contract said they would refund it if they cancelled it. I told her I didn't know but it did say they would provide a service they were no longer going to provide. So mad i could spit.

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tracymace
Coaldale, US
Feb 06, 2014 11:01 am EST
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FNC insurance ageny contacted me through Citibank mortgage to enroll in biweekly payments. Wanting to pay my mortgage down quicker, i enrolled and paid a hefty enrollment fee. Two years later I am now being cancelled with no refund of my enrollment fee.
Thanks FNC insurnace Agency (citibank subsidiary)

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Lord von Manor
Auburn, US
Sep 02, 2009 9:26 am EDT

My mortgage lender is B of A and I'm going through a similar issue. Two years ago I refi'ed my home and at the time they offered me a Bi- weekly program with a one time fee. I paid the extra month in mortgage and I think a fee of 400 dollars. From time to time I called and checked to make sure this program was working. It sure was until last week I received a Payment Enrollment Form from B of A. I called the Rep at B of A and He tells me I have to re-enroll in the plan and pay an addition month mortgage with a $5 bi weekly fee. But why do I have to do this when I already paid the upfront fees over 2 years ago? He replied I never was on the Advanced Payment Plan. I was on a plan designed for people who could not afford their mortgage. Um, so maybe this is an error. So what happened to the extra mortgage I paid? REP: What extra months mortgage? What happened to the interest I saved by being on the program? Rep: What saved interest? What Advanced Payment Program? Sir, The program never existed! But if you would like to sign up for the program I can help you with that. All you need to do is pay Octobers mortgage now(sep. 1) and $4.90 in additional fees bi weekly. Me: Wait a sec. why would I do that again when I already did this two years ago? Wait a minute; earlier you said the program does not exist! Rep: Sir, there is no advanced Payment program. Me: [Click], [Click], [Click], [Click], [Click] - repeat! Now my head hurts so bad.

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jerkoff223
Tuckerton, US
Aug 30, 2009 12:59 pm EDT

You should have never paid anyone to do a bi-weekly mortgage payment. You can do this yourself. You could have sent as little as $50 per month extra principal and reduced your mortgage yourself, with no out of pocket cost. When ever I see bi-weekly mortgage programs, that you actually have to pay to set up I think, are there really people this stupid that would pay to do this? Yes, there still is.

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FIGHTER
, US
Aug 22, 2009 9:25 am EDT

YES THEY DO INCLUDE IMPOUND ACCOUNT -DO NOT LET THEM TRY TO MISLEAD -THESE INSTITUTIONS DO NOT WANT TO DO ANYTHING AS FAR AS MODIFICACTIONS INLESS THEIR FORCED TO-EVEN WHEN THERE FORCED TO THEY DRAG THERE FEE-I HAVE OVER 200PAGES OF DOCUMENTATION REGARDING A LOAM MODIFICATION -EVERY TIME I SPOKE WITH SOMEONE I GOT THEIR NAME AND FAX NUMBER AND AFTER THE CONVERSATION I SENT LETTERS IN SUMMIZING THE CONVERSATION-FIRST YOU NEED TO NOW THE FACTS OF THE OBAMA PLAN -SERVICERS OR HOLDERS OF YOUR MORTGAGE ARE REQUIRED TO GET YOU DOWN TO 31% DEBT TO INCOME THEN THEY GET INCENTIVES TO GET YOU TO 31% IF YOU STILL CANNOT RECEIVE THAT TARGET # AFTER INTREST RATE REDUCTION THEY NEED TO LOOK TO EXTENDING TERMS OF THELOAN-PRINCIPLE FORGIVNESS IS NOT MANDATORY BUT IF ONE NEEDS IT PUSH FOR IT.IF ONE ENCOUNTER PROBLEMS FILE A COMPLAINT ONLINE WITH ATHE ATTORNEY GENERAL OF THAT STATE AND THE OCC GOOD LUCK

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CitiMortgage - illegal, unethical, unprofessional practices

After years of medical and legal hardships resulting from brain injury that caused dementia, my children's father finally died on May 4th. Last September I knew that I would not be able to keep paying the mortgage payment which had been at a fixed rate of 7.4% for 2.5 years, "because you need to establish credit." This is what the corrupt mortgage broker...

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CitiMortgage mismanage account

I have my 2nd mortgage with Citi Mortgage and I spend in extra money each month with instruction to be applied to the prinicpal but each month even after I call to remind them to please put the extra towards the principal these company continue to apply the extra money towards an extra regular payment. This has been going on for 18 months now. These has cost me alot of money due to lost of princpal. I have been paying bills for over 30 years and I have never dealt with a company that is so badly ran.

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Andrewe_66
Forest Grove, US
Jun 23, 2010 12:21 pm EDT
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I refinaced with Citi Mortage and took out money from the equity of my house. They took out money to pay of my propertry taxes up to the end of 2009. Then proceeded to charge me again for those taxes so I was double charged for the taxes. Trying to get to talk to anyone at CiTi is almost impossible. When you do get a human, who is usualy in India they run around in circles because all they have in front of them is you account deatails. They cannot even pull up the original agreement. I recently refinaced with another comapany. And received my last escrow refund, I have no idea how their maths works but it does not add up.

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God's Servant
Varnville, US
Jun 22, 2010 5:32 pm EDT
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Citi Mortage took my husband's home in foreclosure, he only had 7-8 more years on a 30 year loan.

Didn't try to help him get modification on loan

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JasmineKumar
Naperville, US
May 09, 2010 8:44 pm EDT

My husband and I bought a condo three years ago and the lender was Citi Mortage. To give a little background I worked full time as a therapist and my husband worked as an analyst during the day and worked towards his MBA in the evenings. Our sitution changed after the birth of our lovely daughter a year ago and I made the choice to be a stay at home mom. My husband got laid off and that begun our financial challenges. For a year we stuggled (unemployment and student loans) but paid our moratge, never missed a month. The ONLY problem was CITI MORTAGE was getting our payments three days later than their grace period and that was a problem for them. We started to incur late charges and at that point I called them to talk about our options. I asked them if it was possible to give us three days extra to make the payments. I told them how we struggled BUT Never missed a mortage payment. I told them about our infant, financial obligations and how we were living off student loans and unemployment. They did not Care. They told us our options were to continue paying late and CONTINUE to incur late fees OR they will give us a break BUT will have to report us to the credit Bureau & that would affect Negatively on our Ceredit ! So in other words continue to pay us late fees or we can help you at a cost.

NEVER EVER GO with CITI Mortage, Never Bank with CITIBANK. Its funny how the banks got a break from the Government but we the people get NO Breaks !

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rarelycomplains
Naperville, US
Jun 22, 2010 7:41 pm EDT
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Well maybe your husband should have paid his bill or called them when the problem started? Why do you assume that the mortgage company is obligated to let you live in a house for free? The mortgage company isn't your daddy. Why didn't you try to sell? It takes a lot to get to foreclosure. If you can't pay, then don't take out the mortgage! Be responsible!

I've survived during a really horrible IT job market in Chicago as a divorced mom and have struggled to keep my home. The company where I worked went out of business a few months after I moved into my house. I changed careers, worked two jobs, and sold things to get money to pay my bill. I have no sympathy for people who whine "poor me" when they don't pay their bills!

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Mhendri961
Molin, US
Oct 03, 2009 11:03 pm EDT

I am not surprised. We had a medically forced, saved the home, bankruptcy. We paid it off several months early. Citi agreed to all the terms, but now won't even return my calls to get a correct pay off amount, have our mortgage insurance removed (over 80% paid off) or even explain the mystifying array of bizarre answers I get from their gate keepers. We were responsible and paid bills that were not even our own. We were responsible and paid off the resulting bankruptcy (after loosing our life savings), but being responsible isn't rewarded like walking away from one's debts.

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CitiMortgage pmi

I have been unable to drop my PMI to date. I am at 77% LTV based on original purchase price of 2 Unit Rental Property. At origination with Reunion Mortgage, we discussed removing PMI after 80%, but there is no documentation noting this. Reunion sold the loan to CitiMortgage. Citimortgage now tells me it has to be 70% LTV of original price! I have asked for Managers over the past 3 months and get the same old answer each time.

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Update by Charley L
Mar 15, 2010 8:05 am EDT

I filed suit against Citimortgage in small claims court. CitiMortgage attorney contacted me. After discussing, he agreed Citimortgage should have released me from PMI. He sent me a check and I dismissed the lawsuit.

Update by Charley L
Jul 26, 2009 3:27 pm EDT

Update: I have found the original PMI disclosure which shows automatic PMI removal at 80%. I sent CitiMortgage the document and they still refuse to remove the PMI!

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wastingmytime
, US
Oct 29, 2009 11:25 am EDT

We are having the same problem with citi mortgage.

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A fair opinion
Tucson, US
Sep 19, 2009 10:01 pm EDT

Hey SOOOO maybe do you think you are the one who is wrong and falsely accusing a company of wronging you? If they were doing something not legit I would believe they would fix it. Seriously you should get a life.

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CitiMortgage refinancing loan

It is almost a relief to see that we are not alone in experiencing the unprofessional and inconsistent work at CitiMortgage. We filed for a loan in April, and any feedback of information needed was given us when we called them. NEVER have we received any documentation after the initial Loan Application was sent to us in April with many errors that needed correcting.

We have spoken with many phone operators, who are doing their jobs nicely. They apologize for incompetence that is not theirs, and vow to get to the bottom of the problems that they have no "jurisdiction" over.

I have read about Sanjiv Das, CEO and President of CitiMortgage. He is apparently basking in the glow of his words but not checking to see if they are being put in to practice. Mr. Das, I have never had a more completely negative experience with a loan process than I have with this CitiMortgage "team".

Today I called to request information on filing a complaint about our experience with their company...and there was no one who could help me.

How appropriate.

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tirza
Brighton, US
Dec 08, 2009 5:43 am EST

Have you gotten any where? This sounds exactly like what we are going through! We have filed a complaint with the bbb & are looking at a lawsuit against them.

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CitiMortgage refinace fee scam

Citimortgage is running some type of scam for refinance quotes. My husband and I called to get information about refinancing our home at a lower interest rate. The loan officer started giving us rates and figures over the phone, he told us the only out of pocket expense was $15 for a credit check and an appraisal was not required. I asked him to fax or e-mail me the quote he was giving us, he said NO he could not do that, it had to be done over the phone. I was traveling and lost phone service and had to call back a couple of days later. I was told the only way to proceed was to pay $250 application fee upfront, which I did and a week later I finally received the good faith estimate and related paperwork. With the additional fees Citimortgage was taking on, the new loan would be for more than what was originally financed 4 years earlier. I said I was not told this over the phone and I wanted my $250 app fee back for being mislead. Citimortgage informed me that was non-refundable. I asked what the $250 was for, they said $15 for credit app and $235 for an appraisal that was not done. I believe if you take money for services not rendered, that is a fraud and a scam!

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Steven Cagle
, US
Sep 17, 2010 11:33 am EDT

Letter to BBB:
On June 11, 2010, I initiated a mortgage refinance with Brad Hatmaker (tel: [protected]) of Citimortgage. He asked for my credit card number so that he could bill $425.50 for the appraisal of our home. On July 1, 2010, I cancelled my loan application with Citimortgage and personally called the appraiser to cancel his services. The appraiser assigned to me was Steve Rogers (tel:provided to BBB). On July 26, 2010, I left Mr. Hatmaker a voice mail requesting a status on the $425.50 for the appraisal that was never performed. He left me a voice mail on the same day saying "The Appraisal Fee, which is $370 is refundable to you, if it was not done, and that will be refunded to you automatically within 45 days of withdrawl of the loan, which I believe took place on the 2nd. Within 45 days you should see a refund of $370 for the appraisal that was not completed." and "What is not refundable on that $420.50 is going to be $55.50, which will cover the application fee, the flood certification and the credit
report." Although he did not previously disclose that $55.50 was for the application fee, flood cert (if performed) and credit check, I accept those as reasonable. However, Citimortgage has still not issued my $370 refund.

Discover Card took Citimortgage's word and refused to reverse the charges.

We no longer do business with Discover or Citimortgage!

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C. Lalumia
Little Falls, US
Nov 18, 2009 1:36 pm EST

We paid CitiMortgage - our current mortgage holder - an application fee of $640 for a refinance that we were told would take 30 days. As soon as we signed the papers and paid the fee the time frame suddenly went to 60 days. After 70 days of not hearing from them I began calling and no one would return my calls. I was told by the people on the 800 number that there was 'no acitvity' on the file for the last month but someone would call me back. Eventually someone did get back to me with a list of info they needed and I promptly sent it back to them. Then the loan processor suddenly stopped returning my emails. After several phone calls and 5 emails he replied that he was no longer handling the loan and again...someone would get back to me. Then I received a letter telling me to call CitiMortgage to set up the closing as everything was approved. When I called they again asked for the same information that I had already given them! I spoke to a supervisor who then gave me another loan processor who was handing the account. She assured me that they never received the information that I sent even though it was emailed and the original processor said he received it. She assured me that if I sent her the info requested she would put a 48 hour rush on the loan. Of course they were not able to get it done in 48 hours so after countless phone calls, emails and $640 we moved on to another lender who was able to close on the loan with no problems in less than 3 weeks.
I will NEVER EVER use CitiMortgage or any division of CitiBank for anything again.

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CitiMortgage - not following home affordable modification program guidelines

Tangi smith 2896 via palma, lake worth, florida 33461 [protected] july 2, 2009 Citimortgage, inc. Loss mitigation department 1000 technology drive O’fallon, mo 63368 Fax number: [protected] Re: loan number [protected] Summary of situation Due to financial hardship as a result of an unexpected divorce at the end of 2008, I contacted...

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CitiMortgage insurance dept withholding funds

On June 10, 2009 our home was seriously damaged by a severe storm. The total claim amount received by State Farm was $38, 000. We received the funds from State Farm, immediately sent the endorsed check to CitiMortgage as instructed since the check is made out to both us and our lender. I called CitiMortgage as soon as we received the check to follow their process. I went to their www.mylossdraft.com site as instructed by a recording to complete the necessary paperwork. The one page website was vague and lacking in clear information, but I printed the necessary forms, completed them, and called for further clarification. After finally reaching a person, I was given the web address again. I explained twice that I had the mental acuity to get that far but would like personal assistance and clarification. They provided none. I faxed the forms into the ether (no confirmation of receipt provided). I followed up later that day and was told it takes 48 hours to get a fax. This is where the stonewalling tactics began to become apparent. I asked about the process again, hoping another rep might help. She did give more information than the site (accidentally, I assume) and told me with multiple contractors to pay, I should complete the self-contracting form instead of the waiver of lien form. That form includes the following statement: "I (We) will be self contracting repairs to the property, and will provide paid receipts for material and/or sub-contractors used in completion of those repairs." 1. I had no choice but to complete this form since I had multiple contractors. 2. I said I would obligingly provide receipts upon receipt of the funds from CitiMortgage since I cannot pay $38K out of pocket. 3. I HAD to agree to this to get ANY of the funds from CitiMortgage. The rep said that was all understandable and fine. A week later, I had their required inspector out to confirm repairs. He confirmed and they acknowledged that 95% of the repairs had been completed. This step I understand as they have an obligation to ensure their collateral is at least worth the value of the loan. So this is completed, and according to their website, the remainder of funds will be released. That's not happening. After more than six more phone calls, they are insisting they need receipts from me showing I have paid the contractors. What? That's what the money is for, to pay the contractors. I even asked the automaton on the other end of the line if he (different unempowered call center employee every time) had $38000 lying around and if so, he can pay them, send me the receipts, and I promise I'd pay him back. Not surprisingly, he didn't get it. They are obviously trained to stonewall in order to hold on to the money as long as possible. Finally, I called the mortgage customer service department and after 3 tries, got a manager. She was seemingly helpful, but I was mistaken. I told her in no uncertain terms that I would cash out investments to pay off the loan and they could give up the possible hundreds of thousands of interest, or she could make a call to get my funds released. She made the call, got back on the line and GUARANTEED my money would arrive by July 16th. I got all the info, including her extension (if it's real) and a case number and said thank you. An hour later, I got a call from the insurance department demanding receipts again and explaining no funds would be released until they had them. I had the same, maddening circular argument to no avail. Since we had FINALLY received a third of the funds, I sent her a receipt from a contractor (this after sending two receipts prior - money paid out of our own pockets) showing that exact amount paid. She made all kinds of huff and puff about having to escalate for approval - again, obvious stonewalling - and I said I could care less. I said, "We have done more than is required by your documents and incomplete instructions and varying stories from different employees there. Your document does not in any way legally bind me to pay contractors and provide receipts BEFORE you send me MY money. It does not state a contingency for release of my funds to me. It does not state a specific percentage or number of receipts (by the fourth call, they were saying 100% and/or 50% of the amount of the repairs according to whom I spoke with. Blatant lies spoken as absolute truth without any supporting documentation.). I do not owe you anything based on your own documentation other than two paid receipts, and even then, I don't owe them to you before you send me the funds. You do owe me my money. Your inspector already confirmed the repairs are complete and your concern in this is alleviated. You have no right to continue to hold my money to earn interest and to bolster your reserves, which is obviously what you are doing. Have I made myself perfectly clear?" She said, "yes" and that the funds would be released upon receipt of the fax (again, 48 hours with no follow-up). That's the third time someone has "guaranteed" that and I have no reason to believe them. In the meantime, I have contractors who deserve their money. What recourse is there? It is obvious that their arrogance makes them feel entitled here as illogical as it seems. It's a scam, plain and simple. It is obvious to any thinking person they are holding homeowners' insurance funds for their own use. It is blatant thievery. What miniscule power do consumers have in such an oligarchy?

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Update by txdemjen
Sep 15, 2009 1:59 pm EDT

Thank you for your comments. I did get my issue resolved - eventually. It took countless hours of tenacity, calling every number I could find for CitiMortgage and demanding to speak with someone who had the power to get us our money, filing complaints with the FTC, the TX AG, the TX Insurance Commission, the BBC (waste of time, really), and other agencies.

If you have the time, please pester everyone. We are fortunate enough to be in a position to handle the problems, but many people are not. While we all deserve fair and honest treatment, it's especially important that we bring this to light and demand regulations and enforcement for the people who don't have the time, money, and resources to fight back. The huge banks need to be put in their place before we're all screwed.

Go get 'em and best of luck to you.

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Rick Lueck
Columbus, US
Oct 19, 2010 9:56 am EDT
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I am having the same problem with CENLAR, which is actually Freddie Mac. They are refusing to release the money required to pay the contractor, which is a large company and requires money upfront...I can not start repairs without the money and they refuse to contact me...looking to get an attorney and file with the hopes of forcing them to pay not only the funds to repair the property but pay the lawyer fees for any legal action to recover insurance monies.

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sagg
tuskegee inst, US
Sep 22, 2010 2:49 pm EDT
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I have been with Citi for many years and have some insurances with them. My payments are made on time, but every month I receive a letter that certain policies are a month behind. I contacted the companies and they are said that the policies are up to date. I have call Citi and the are saying that the policies are behind. Back in 2005 I missed one month payment and the policies that I have now was not on the loan.

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, help, help
Reynoldsburg, US
Nov 06, 2009 12:45 am EST

I am having the same trouble with Citimorgage right now.has been 1 month and promises and lost paper work & still no check & no repairs done, we all need help to stop them

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Lagunatic
28339 Shrike Drive, US
Sep 15, 2009 11:54 am EDT

It should be illegal what they are doing to homeowners - we had the same situation. On July 22, 2009, our kitchen flooded, damaging our wood floors. State Farm immediately issued us a check for the repairs (approximately $15, 000). Wells Fargo Bank has done everything in their power to hold on to our money as long as possible. We have had to pay most of everything out of our own pocket and haven't received a dime yet even though our job is 100% complete. Inspections keep getting mysteriously canceled, errors keep being made by the Bank, or they keep requiring additional documentation. It makes me wonder what would happen if we didn't have the money to do the repairs. How long would they hold on to our money then? And why should they have the power to determine what we put in our house and who we contract with for the job? They don't pay for the insurance, we do!

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T. G. ALABAMA
HOKES BLUFF, US
Aug 08, 2009 3:18 pm EDT

the federal goverment should require mortgage companies to release funds in a timeley manor. if tax dollars are used to keep them in buisness. as an insurance contractor i chose insurance claims that i will acept by who holds the mortgage, as i have had funds held for six to twelve months before they would pay me for a job that was 100 percent complete.as a small buisness man i can not support multi-million dollar companies out of my pocket.There is no bailout for my buisness if i go broke supporting others who mishandle theirs

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CitiMortgage 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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mmbarreto1
, US
Aug 26, 2017 1:23 pm EDT
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over two yrs and payments $1901. Back in May, 2017, i had applied for modification to lower my payments, and supposedly it was approved and was told that my first payment was on July 1st for $1295 by Melinda Bennett, which now she is no longer with Citi & just to find out that the payments were 1901, higher than my actual payments. I got behind cause i was told to pay in July, 2017. After that my acct has being a mess. Between Mary J Bencon and Ramon A Goodman, i felt discriminated the way they treated me and spoke to me. They told me that if i can afford my house to sell it or give it back to the bank. I have worked so hard in this country and have a family for them to talk to me like that. If they do not know how to talk to people and give a good cust mer service, they are in the wrong place of work. I need those conversation to be escalated it and some one to call me so we can try to bring my account current. DUE TO CITIMORTGAGE MY ACCOUNT IS DELINQUENT

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Marguerite Girard
Stone Mountain, US
Apr 16, 2012 6:01 am EDT
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Mortgage with Citi for 10 years. Bank of America sent 3 auto mortgage payments in error, and Citi said they could not reverse the 2 overpayments. They did, then charged me $30 for NSF, and refused to waive the $30 "based on my payment history", which has ALWAYS been auto debited on the 1st of the month, and never late.

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Datine
, US
Sep 21, 2011 5:07 pm EDT

Citimortgage owns my mortgage. I have NEVER been late on a payment. I ALWAYS pay between the 1st and the 15th. Citi now calls me to tell me to pay before the 15th or I will incur a penalty.

Stop already. I know this and I pay on time EVERYTIME. Stop calling me and harassing me. Enough.

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cgs
Leander, US
Dec 15, 2010 9:10 pm EST
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Citi Mortgage a.k.a ### Mortgage...it's damn near impossible to contact these ###s...There is no contact web address e-mail for them..or has anyone been able to find one?

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ron uhrig
, US
Jan 24, 2015 9:38 pm EST

People: ITS ALL BANKS! i lost my home of 35 years to the crooks of zions first national. My senario would read ditto of posts just different bank. OOOhhh zions accepted bail out money as well and the occ fined them 8 million for money laundering How sweet it is.

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Ron L. Adams
, US
Mar 10, 2012 5:06 am EST
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I have reached the end of my Rope with Citi Mortgage having had my mortage with them since 2006' and a customer in very good standing I honestly could kill the person or people that continue to call me YES 4 to 6 times a day, morning noon nite, while I am at work home driving I at first thought they had the wrong person NO they are simply harrassing me and in the state of california there are some prettty strick consumer protection laws How do we ban together in a class action law suit to fry these people. I am a very conservative business man and do not want the Govt in my life but what do I do seriously I am getting dangerous over the anger this continues to build If I could find another loan company and refinance I would do this tonite I cannot stand this company and the people that they have doing their work for them. Who is this CEO that one guy says he calls every day and screams at if anyone ouot there can offer me advice or help Please email me tonite ThrdPlcSrClydale@gmail.com

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Irvin, US
Aug 27, 2010 1:31 pm EDT

These stories bought me to tears. THIS IS STUPID! Why is Citi Mortgage and other banks allowed to take government money and misuse it, while we all suffer the raft of their greed and stupidity!

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Sunshyne702
Las Vegas, US
Aug 20, 2009 2:59 pm EDT

I was planning a move out of town so I put my home up for sale and it was on the market for months with no offers. At that time I was not behind on my mortgage. I found a renter moved in with my mom and moved out of state. The renter stopped paying my property manager "use the term loosely" stopped answering calls and basically screwed me. When it came to paying my rent where I currently lived and paying my mortgage my mortgage got paid but it was a little late. In the midst of it all I FINALLY got the deadbeats out of my home AFTER they stole checks that were sent to my old address and the police got involved. This was months later and at this point the house was empty. I could no longer pay everything so I fell behind in my mortgage payments. I contacted Citi repeatedly and left messages with EVERYONE but no one knew anything. I was transferred from department to department to department... it was ENDLESS and unproductive. I finally got a renter in the house and I was finally told I could do a modification then was put on a payment plan ... paying about 150 over my mortgage amount. I was told to make the extra payments for a few months sending by certified check then I'd get some paperwork giving me my final amount that I'd begin to pay. I NEVER heard from my "counselor" again. He never answered my calls and never returned my calls again. I've called over and over and over and over and OVER! Each time I've been told I haev to talk to a different person and I've called and left messages. Today I FINALLY hear from someone who tells me since I don't live in the house they can't modify my loan and I'm now 8 months behind because the payments I was sending in technically didn't count. If it wasn't so HORRIBLE it would be funny! LOL So basically the lady tells me ... my new payments will be $250 over what my normal payments were. However... if I put a couple thousand down... lol I told her she could STOP talking right then! She told me my only options were to pay what she said or do a Short Sale. This is just RIDICULOUS and at this point I don't give a d*mn anymore. My only concern is... I own my own home now (for what it's worth) the way the banks are holding onto the money they are supposed to be lending... I'm scared I won't be able to get another home loan in the future (couple years). However, this WHOLE process is just a massive headache...

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kelli1969
Charlestown, US
Jul 06, 2009 5:02 am EDT

Yeah, they have been working on my modification since march, I have given them the same information 4 times and they still call. They send things in the mail saying they can help but when I call they can't help, they have no intentions on helping. They got bailed out for bad loans, but they won't help the people with the bad loans. Now, they have given pay raises. Isn't that money supposed to go to help us?

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CitiMortgage pay off included late charges when I was told by the department while in bankrupsy I would not be charged late fees

This company held my mortgage to 11 years, & I am proud to say never once was I late with my payments. March 2008 I had to file bankrupsy but my home was not listed, but was listed as an asscess . March 2009 I notified the mortgage company bankrupsy department at citimortgage that due to slow work I was going to be late with my payment, and was told by the staff that was taking my call "while you are in bankrupsy you are not charged late charges", I was pleased, but to my saddnes with the payoff made June 2009 from the sell of the home I had been charged late fees.

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pamela imani
mansfield, US
Aug 23, 2012 3:02 pm EDT

Hello,
I am so upset, the way citmortgage has handled my loan, #[protected]-2. I have been working hard as a single mother with 2 daughters in college to pay my loan every month. This past May my taxes went up without my knowledge, who would have thought with most homes under water that there could actually be an increase. I travel for work and pay bills online, when I finally got the notice it came from UPS that my loan was in default. Wanting to lower my interest rate and get the PMI insurance off, I am not able to do this because it looks like I was late, when in actuality you were holding my payment of $1, 500. I always made more than than the actual payment, and not applying the money. Your staff of managers that take calls, a Chris #23339 extremely rude and insensitive to my issue. For the amount of $259.00 that was increased or owed I am no longer able to refinance. For those of us that sacrifice each month to pay our bills, it is companies like you that continue to gouge for every dollar.
My history will reflect that payments have always been made and never late until the tax increase. I am asking you and your company to please take this default or deragatory implication off my record so that I am able to refinance this loan.
I will send my letter to everyone, especially the television stations that want to say there is help for people that pay their bills.

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Kevin
Union, US
Jan 28, 2009 2:36 pm EST

I replaced a cunstomers roof due to storm damage. The home owners insurance paid to replace the entire roof approx. $15, 000.00.
The fhome owners insurance compny issued a 2 party check with his name and also Citimortgage's name. It took at least 3 weekd for the the mortgage company to send the check back to the home owner. Then the home gave me a 2 party check issued to him and in my company's name. I deposited the check on the 9th of the month and on the 14th the check was returned UNPAYABLE! It is now the 28th of the month and the check has been sent back kto my bank for the second time unpayable.

And the new excuse is that the insurance company's check is bad.

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Kevin
Union, US
Jan 28, 2009 2:38 pm EST

SHOW ME THE $$$$$$$$$$$

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