Sioux Falls, South Dakota
United States - 57117-6728
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I am having so many problems getting my insurance check to do repairs on my home after hurricane ike that I would never recommend citimortgage to anyone trying to get a home financed. I am going to write the city houston chronicle newspaper to do a story of what I have gone through and is still in the process of going though to get my check released to pay my contractor. I have done work to my home and paid for it out of personal funds (Bills money and borrowing it from family and friends) and cannot get money released to reinburse theses people. I have done everything asked of the mortgage company and still everytime I get a different story of why its going to take longer to get money released and this process have ruined the little credit I had and have totally destroyed my life. My next step is to get a lawyer to get my funds released and not recommend this company to anyone. I hope when they close fema they next take steps to close citimortgage. I am going to write everyone I can think of to get this story out.
I am also extremely upset with Citimortgage and would like a class action suite filed. I had the workable solution paperwork filled out for help on a short sale for my home. I had a buyer since April 2008. They would never return phone calls from my lawyer. My lawyer contacted their lawyer and their lawyers couldn't even get a response back from them. My loan was in the HUD department. I could only get to someone in regular loans. I kept getting the run around and different phone numbers to call. My house ended up foreclosing in August of 2008. I found this out about when I called the mortgage company trying to get to the correct department for request on answer of our short sale offer (I didn't believe my lawyer when he said that he couldn't get through to them so I started calling myself). I was then told that my file didn't exist and that it looked like it had been foreclosed on. They couldn't give me any more info because that department didn't handle HUD loans. Their lawyers attempted to contact them via email and by phone several times. They wouldn't even respond to their own lawyers who were encouraging them to except the short sale offer. They wouldn't give them power of attorney to except any offers either. I don't understand how they can get away with all of this. I thought I was doing the right thing by trying to sell my home. Our buyers even had more than half in cash. It just doesn't make sense.
About a year ago, I was forced to re-finance my home, due to a divorce. I re-financed using abn amro mortgage who later sold my mortgage to citi mortgage.. Because of the market rates, my home appraised very low, causing my equity to be very low.in order to refinance my home, I was told that I had to pay a pmi of approximately $350.00 a month on top of my mortgage payment, which increased my payment to over $1390.00 for a $180, 000.00 dollar loan. By the pmi company is theirs! That was the first big mistake!!! I set up bi-weekly payments through my bank, who personally spoke with the mortgage representative directly to ensure proper payment. After three months of making payments, I received a letter stating that they had not received a payment in three months and that foreclosure was in my future. I immediately contacted my bank, to find out what had happened. The bank informed me all payments were made and had been posted to my account. When I contacted abn amro, I was told that no payments had been received. I had to fax my bank statement to them, just to prove a point. After careful review of my account, and after speaking to several representatives, the payments were located. I was told that bi-weekly payments are only accepted when I use their company. Problem!!! In order to use this company, you must pay the $300 and some dollar fee, just to start up and must have at least two payments in order to start!! I was told that they had placed the payments into my escrow account, because there was no other place to apply the funds. The mortgage company charged me three months of late fees! Again, after being transferred around, the funds applied to the escrow account were applied to my monthly payments. Then, I was told that I defaulted on my payments, because I started one month later than what was stated on my contract. I eventually caught up with all of their requirements and in december I found out that my escrow balance was low and that I would need to pay an additional $300.00 or so, just to keep my payment the same. So I paid the additional money. Then, the following february I received a letter stating that my I owed over $250.00 in late payment fees. Apparently they forgot to zero me out before the beginning of the year! I then received a letter stating that my mortgage had been sold to citi mortgage!!!
Citi mortgage!!! My worst nightmare!!! In july of this year, I was told that my house payment was going to be increasing to $1410.00 a month, due to property taxes. Oh my god!!! Ever since the change, I have been struggling to make ends meet. I have contacted citi mortgage, who continually sends me from st. Louis to maryland and then back again, trying to get some help!!! I receive over twelve calls a day, wanting to know when I am going to make my next payment, even after I have made arrangements with the loss prevention people. They constantly ask me to feel out hardship paperwork, which time and time again I have faxed to them. Each time I speak with them, they deny receiving it. Lesson, anytime you say or do anything with citi mortage, keep a detailed record!!! Names, times, specifics, etc., it may be your only claim to sanity!!!
Citi mortgage payment online is also a rip off. The system is set up to receive a payment only if you are not behind. If you owe more than one month, they system shuts you out, causing you to contact the mortgage company directly. So now, on top of being late, you lose out on paying the $10.00 online process fee and are forced to pay the $20.00 live transaction fee!!! What a scam! Further the online information is not accurate. If you owe late fees, the payment prompt shows you only what your monthly payment is. So you are constantly paying on those late fees. I can no longer afford to make the payments on my home without it affecting my family!!! I can not believe that companies like this are allowed to take advantage of people in this way!!! I could use some advice.
On June 12th, 2007 I had a house fire in my basement. The basement and all of its contents was totally destroyed along with the upstairs being heavily smoke damaged. The heat made it to the roof and caused a spot in my roof to start leaking. I was dealing with Liberty Mutual Insurance and really thought it was going to be a MAJOR headache. But to my surprize the headache came from my mortgage company which was Citi Mortgage. #1 I had re-financed a year or two earlier just to have my mortgage sold to citi...which I would have NEVER wanted. I have had payment problems, ever since the start with them loosing my payment, saying it had not made it, etc etc. My point is I have enough problems on my own making payments and not screwing up my credit without their help! Anyway, the check came and it was made to me and Citi mortgage. I endorsed the check and sent it to them as they asked. Let me back up. Between the insurance company and Citi, I was told it may be 30 to 45 days before I would have the money to start working on the house. Citi however told me that if I wanted to use my own money, or put it on a credit card that "as long as I kept good receipts" they would send me my money with the first construction draft. This was the first lie that was told to me. I used my savings, and kept good receipts and was not finished, but back in my house in less than 3 weeks. Of course when it was time for me to get my money they told me that I could not get that money until the end and the house was totally finished. Well I stuck it out, robbing peter to pay paul for a year and then on my last inspection they informed me that instead of the 75 to 80% complete it had to be close to 100% complete for me to get my next draft. My question was how am I going to get it that far if I dont have any money...And their answer was to us a credit card or something. Needless to say, no one really cares. They just want their money and nobody know what is going on with the other side. If at all possible NEVER use this company for anything and please pass the word. It is September 19th and I still dont have my money and my house still isnt finished. So I have not had any saving for over a year. I am behind on a bunch of things including my house payment and they are sitting on my money.
Unbeleivably frustrated with CitiMortgage and want to complain...anyone know the federal agency to direct our complaints?
How can we implement a tax exemption award if CitiMortgage (INDIA) refuses to take responsibility and handle our request.
My husband is 100% Disabled Veteran and was qualified by the state of PA and the City and County of Philadelphia for retroactive realestate tax exemption (back to Sept 07), but we can't get the tax department at CitiMortgage to talk with us to reduce the Monthly payment and have our '09 escrow tax refunded. Please advise...
I have been trying to get Citimortgage to correct my credit report for FIVE YEARS now!!
It is incorrectly reported on my credit report that my house is foreclosed with a zero balance with no payment received since 2003. Yet, I AM making my monthly payment of $1260.00.
I have repeatedly faxed them copies of my credit report and proof of payments. This has been disputed for numerous times and each time they tell me that it will be corrected and it has not been yet. When I call they act like it's no big deal and usually the customer service rep hangs up on me.
How can I receive a monthly statement with all the correct information on it but they can't report the same information. I spoke to a manager today who said that by looking at my file Citimortgage has not even reported to the credit agencies since 2006 regarding my account. Citimortgage is a joke...
On March 8, 2008 2 trees hit my home. Citibank is holding the funds from the insurance co. to fix our home...
I have been attempting to payoff my home with Citimortgage since June 2, 2008. It is now July 28th and I still have not received a refund check from them. I first called in to request a payoff on May 28th 2008 due to my home being destroyed by a tornado on May 25th 2008. The faxed me a payoff on May 28th good until July 1st - because it takes 30 days to pay a mortgage off - funny thing is it takes them one day to clear the payment!!! I sent my check off on June 2nd, requesting any refunds or return items to be mailed to my new address...well they returned my 'PAYOFFcheck, the check I sent them, to me at my old address - which sat there for 5 days until I finally called Citimortgage to check on my status and they told me what they had done. So I went to my old hometown and picked up my check at the City Hall - where all of the undeliverable packages were going. I then returned it to Citimortgage requesting a payoff again - this time as of August 1st because it was July 1st already. I then called them weekly checking on the status. Well - IRONICALLY on July 2nd I also signed a new mortgage with Citimortgage for my new home - they applied my payoff check to that loan! So when I called in and found that out I was furious and told them they should fix it, payoff the correct loan as of the date they received the check (which was supposedly July 10th). This was July 17th and I talked to a man that said the loan would be paid off as of July 10th and I would receive my 'refund' check - it would be sent out no later than July 21. I called back on July 28th and asked about the status and they said my loan was paid in full as of July 17th and my refund check was to be mailed on August 3rd - I told them they were wrong and I was not paying interest from July 10-July17. And I requested my check to be sent overnight ASAP - she could only promise me it would go out the third overnight. Today is July 28th and we will see how this plays out - Citimortgage is by far the WORST company I have ever dealt with and has the WORST customer service in any industry PERIOD!!! They are out to screw you out of every penny they can. As soon as I can justifiably switch mortgage companies - it is happening and I will NEVER recommend or support in any way any of my customers to place their mortgage with Citimortgage.
I will make this brief. Citimortage, like many financial institutions is squeezing its customers for online transactions. As most you know, companies are leveraging the internet for online transactions and saving on overall cost of doing business. Citimortage unfortunately does not feel as if it is saving enough because it has decided to penalize its customers $10 when making a mortgage payments online. Obviously, this is a small matter for the EXECS who are lining their wallets with the profits, however, it adds to the big PINCH Americans are feeling in their wallets. Add Citimortage to the problem list.
Several months after I closed on a refinance, I was checking some numbers and found $200 of financing that was not accounted for. My mortgage documents said I paid $1000 in prepaid interest, but when I pulled up my Citimortgage account, it said they only collected $800 in prepaid interest. Looking into this became a 5 month long hunt, spending well over 100 hours on the phone with Citimortgage, most of it on hold. It, obviously, became less bout the money, and more about the point of the issue, that they would REFUSE to account for that extra $200. I finally got them to concede that they owed me that money, which started another 3 month process of trying to get it back. First they said it was held by the closing attorney, who then showed me documentation that Citimortgage had 3 months earlier requested that the attorney send that money back to them. Then Citimortgage claimed they never got the check, even though I had a copy of the check which had been cancelled and deposited in the Citimortgage pockets. Again, it took no less than 50 additional phone calls, leaving un-returned voicemail messages, talking to supervisors, who now were telling me that the person to whom the check was sent, and a Citimortgage address, was not a Citimortgage employee. I'm sure it was one of those rogue tricksters that go around pretending to be mortgage company employees, collecting money from unsuspecting Citimortgage customers, and depositing that money in the Citimortgage pockets!
So, several months later...they REFUSED to issue me a refund of that money, but did agree to put that money towards the principal of my loan, so at least the money is accounted for again. If they took $200 from each of their customers (most of whom would either never know it, or not have the tenacity to get it back), how much money would they be pocketing?
I even tried to find somebody that I could complain to, and they would not even direct me to a complaint department. There was absolutely nowhere for me to vent, or get an apology, or "I'm sorry, we'll try to serve you better in the future"!
That is why I am posting here. Bottom line: Watch your money CLOSELY, because even big name companies which we trust will take any chance they can to stick it to you!
I'm going through the same dilemma with citiMortage since they acquired ABN... discrepancies in my escrow account, proposed property tax increases that are not valid with the Placer County Assessor's office, not to mention the language barrier with citiMortgage's middle eastern rude representatives... what is our legal recourse for this?
Citifinancial Mortgage Company Inc lost/misapplied my March 2008 payment. I received a letter saying I was 25 days past due. I called them, got someone who did NOT speak English, explained to them that I made the payment, it cleared my bank and I could provide them a copy of my check, front and back to prove it. I spoke to a supervisor named Dave who said I should fax it to [protected]. I did just that 1st thing the next morning. I then started getting annoying phone calls all hours of the evening/night from the collections dept. I re-explained the situation (feels like a million times) and each time was promised they would look into it. Each time I spoke to a different representative, I requested that notes be added to my account so everyone would know that the problem was being worked on. After two weeks of no resolution and TONS of phone calls, I spoke to a supervisor named Brigitte who had me fax the same documentation AGAIN to [protected]. Once again, I got a bunch of BS promises that were never fulfilled. I then spoke to another representative that gave me a different fax number to send my info to [protected] and that conversation was followed up by a letter requesting the same info. On it was an actual name of a person (surprise). When I called the phone number on the letter, it turned out to be an "invalid number". I faxed in my documentation proving the payment was made a total of 10 times, I have spoken to more people than I can count and yet I can't get a SINGLE person at Citifinancial to do their job. Meanwhile I am getting threatening letters stating they will foreclose, they will accelerate the loan, my credit is being affected AND to add insult to injury, they have my money and I have done NOTHING wrong. Citifinancial is a fraudulent company that is probably to blame for the so-called home foreclosure crisis. If they are doing this to me, they are doing it to others. Someone needs to do something about this!!!
We received an insurance check for water damage to our home. The check was made out to us, and to...
This is ridiculous.
Every time I call Citimortgage to discuss my account, I get some foreigner who barely speaks English. They don't understand my issue and/or concern and what *** me off the most is the fact that they can only respond with what’s on the paper in front of them.
It's one thing to service your customers by being attentive and addressing there concerns, but its a whole other thing when you "know" a person is reading from a script and repeating themselves over and over again.
Totally *** me off - I live in America not India!
Refinanced my existing CitiMortgage thru a broker, hoping to get away from Citi (overall company, not just...
I paid my mortgage in march on citi mortages web site. Citi morgage doubled my payment and explained it as a glitch in there system. The also stated that it would take a minimum of five business days for them to credit the unauthorized amount back to me. I told them not to credit it back to me as I was $900 over drawn already because of this and stated that I would simply dispute this charge at my personal bank. I did this to avoid further overdrafts and penalties. While in the process of disputing the unauthorized amount citi refunded the unauthorized amount. I then dissolved the dispute with my bank and they in turn refunded citi the disputed amount. I then found out due to collection phone calls that citi never posted the refunded amount from the dispute to my account. I then contacted my bank and sent them the ACH tracking number so they could credit it to my account. They were given the ACH # and my personal bank statements on the 25 of March so they could send it to there research department. I have since been in contact with three people Jona, her supervisor Dihn, and now his supervisor Nancy Fuentez. All of the above stated will not answer the phone when I call nor will they return messages left for them (example I left Nancy three messages yesterday and two already today. Meanwhile I am receiving collection phone calls at home and at work! I'm receiving collection notices in the mail. And they have reported to the credit bureau three separate 30 days late. I'm running out of options to resolve this situation since they will no longer communicate with me PLEASE HELP.
1.Who is Chairman and CEO responsible for real estate lending in the US? What is the address to contact? Phone number?
2.What is the name of the manager responsible for escrow analysis at the Gaithersburg, MD 20898 address? Phone number?
3. What is the governmental agency and address for addressing escrow problems?
Have sent certified packages and letters. No resolution to escrow problem!
We qualify to delete escrow but have to pay for the privelege. Have 3.5 years with no lates. LTV is 37.7%.
Thank you for reponse. Frustrated at ineptness. Speak very plain English.
Citimortgage is run by a bunch of ignorant idiots and scam artists. I had a 5 year ARM loan. In February I...
I refinanced my home. Abn amro sent my escrow to me in the form of a check on february 10, 2008. I deposited the check into my account and it bounced. Abn amro told me that they were sorry about the mistake but they reissued the check. The check was for 2371.66. The check was not reissued. They have told me several different stories. I have talked to 10 different people. They have not reissued the check. I also incurred $150.00 worth of nsf fees associated with the check bouncing. They will not give me the phone number of a supervisor. They keep telling me that they will call me or to call their customer service number. This is terrible!
CitiGroup bought my loan back in November of 06 and ever since then it has been a nightmare. They first stated off ok till they lost $500. They found it in someone else account. Then back in July of last year they lost $1000 still haven't found it and when my bank talked to them and asked why i wasn't up to date all they could say is i haven't paid this months bill. you see the part that confused me and my bank is all my payments are made though bill pay. My bank is trying to help them and tell them that the payments were sent out and that they received them and they wish all the late fees to be taken off my account and off my credit report.
And as far as we can see is all the payments have been made. Well i have now received a new letter stating that its not just $1000 in default but $2000! This company should be put out of business i though when you buy a home it should be good a joyous as long as you do your part of the deal... i guess not when Citi is involved!
This is the worst company in the world and no one should do business with them!