I am a widow and like many others lost my house, cars etc. During the bank meltdown years. Ironically, I was a professional in mortgage lending, I worked hard and honestly for over 35 years. My last position was director of affordable housing, I enjoyed what I was doing as a profession because unlike many others in my field,
I was really helping those in need of housing and gave my very best to educate my customers so they never would lose their home. Now, sadly I have a nuerological illness that has no cure and is very painful, for the last 6 years, that does not permit me to work full time or in my profession. I was very hopeful that the bank I have been a loyal customer for over 25 years citibank would listen to my request for a modification of my mortgage to make it affordable for me now that my income was so much lower than years ago. The story unfortunetly is long, I will summarize as best possible... This is my fouth attempt to request a modication on my mortgage with citimortgage!!! They are the most incompetent and unresponsive group of people I have ever encountered. Each time I have sent in all of my incredibly lengthy amount of documents to them, after 6 months of waiting I get another decline. Each time for something else, I feel they just want me to fail and give up... I am now trying once again to request the modification of my mortgage, I am not asking for a hand out, I am not asking for any special treatment, all I am asking for is a fair honest opportunity to keep the only thing I have that I call home, which is a small condo apartment. Nobody in citimortgage cares to stand up for what is the right thing to do or listens, the last person I spoke to in the executive escalation department said to me "it is not about emotions, it is all about numbers" so there you have it, they don't care at all to take the last small home you have. The modification process should be easy and it should not feel like I am begging for help, I have my dignity and I worked very hard for many years, I only ask for justice to be done, it is simple; all I need is a lower 30 year fixed rate loan, instead of a 15 year adjustable rate that keeps going higher. There are many people in my shoes and this is an outrage that this bank "citibank - citimortgage" being such a huge corporation would be so heartless and frankly unprofessional. I am so out of hope and feel to low at this point that, I doubt this is going to help me or any one else, but atleast I felt a little relief in writing my citimortgage saga which is a "true story".
(I am not sure how you would contact me if this does make a difference, I have never written a complaint like this before.)
I do not want to sound so bitter, or resentful, but it is really not fair to take away they only home I have, after having so much hardship.
