CitiMortgage
Reviews and Complaints

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

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.

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

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]

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.

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.

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.

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.

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

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

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!

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.

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.

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

Rebecca

Thank you what a great list of contacts!

They are the biggest thieves that I have ever come across

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

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!

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!

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.

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.

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!

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.

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?

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.

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.

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.

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!

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.

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)

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.

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.

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

I do hope this will help several people with these illegal foreclosure. You must go after the attorneys, if they have file a Rem Action against you file to have your case heard in a judicial matter ; the rem sir faca prevent you from defending yourself, its a nice way of the attorneys telling you to shut up while they steal your home from you for the banks. SUPREME COURT OF THE STATE OF DELAWARE

Case No. 387, 2015

RE: Pickens, Charles vs Citi Mortgage Inc.

Appellants Opening Brief
Res ipsa loquitur

Appellant respectfully calls upon the Honorable SUPREME COURT; OF THE STATE OF DELAWARE; to reverse the ruling Granted to Appellee by the SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY.

Granted on July 13, 2015 by the Honorable, Judge, Jane M, Brady; as per Rule 56; and Grant Appellant and his children; full wrights to Appellant home; in addition, to issuing Appellant with the right to sue Appellee and both racketeering law firms; McElroy, Deutsch, Mulvaney & Carpenter as well as Morris/Hardwick/and Schneider; Law Firm, and including Wittstadt; additionally, Appellant, request that this honorable court refer this matter to the Attorneys Bar Association as well as the F.B.I and the State of Delaware Attorney General office; for disciplinary action and criminal charges; regarding various; vicious, unethical, inhuman, corrupt, dishonest, demoralizing, hateful, discriminating, for profit Racketeering criminal acts, including fraud, perjury, Child endangerment, and illegally hacking into Appellant personal computer as per illegal internet crimes.
Appellant, will prove to the court that Appellant has shown Material Facts from the very beginning of this case; even before Appellant knew the legal defense; additionally, Appellant will show that Appellee has not proving to the Court how this Appellant is in default with this mortgage nor can they do so at this time; as payment of this mortgage was never a problem for this Appellant; in addition the Superior Court never gave a reason why Summary Judgement was even granted.
Next; Appellant will prove to the Court that this Rem Action was used by Appellee, to estoppel this Appellant from defending his position as this was an illegal attempt to steal Appellant property and to take advantage of Appellant due to his mental disability and base on his race and education on paper.
Appellant will also prove to the court that all Appellants legal rights to his property were illegally taken away; although it was this Appellant who purchase the property in question; as no one including Appellant ex-wife was ever giving power of attorney over this Appellant, at any time, most importantly Appellant purchase the property in question by himself and only added his wife name to the documents regarding the note and the mortgage; while using his credit only; which is a matter of material fact.
In as much Appellant will also show to the court that both McElroy, Deutsch, Mulvaney & Carpenter in addition to Morris/Hardwick/and Schneider; Law Firm, and including Wittstadt, both law firms had full knowledge that this was an illegal foreclosure attempt, additionally both law firms used the powers of their office to assist their client in committing fraud against this Disable defendant; becoming partners in an illegal racketeering scam against this defenseless appellant as appellant has no legal counsel to protect him.
Appellant will also show that this Predatory mortgage was targeted towards Appellant base on Appellant race and his disability along with his education; in as well as his ability to retain counsel.
Additionally Appellant informs the court that appellant was hinder from defending himself when his motion to come out of this Rem Scire Facias action was denied; received by the Court on April 14, 2015 in as much as all of appellant documents submitted to the court was not address that included material facts.
Appellant will also provide evident to the Court proving Appellee has knowingly committed perjury in the SUPERIOR COURT OF THE STATE OF DELAWARE IN AND FOR NEW CASTLE COUNTY; When Appellee stated this this Appellant was not on the note to the home that he purchase, as appellant initials are a legal signature; which also was never address by the Superior Court; although Appellant brought this matter to the Court attention; in addition it is illegal to remove a spouses name from their mortgage in order to be granted a refinance; especially a spouse who was suffering from mental problems at the time of this refinance.
Appellant will also show that the SUPERIOR COURT OF THE STATE OF DELAWARE require this appellant to refinance his home while it was in a foreclosure matter; something, impossible to do, as no lender in the United States of America would consider this as an option while Appellee is seeking a Summary Judgement against the property.
Appellant will also show that the Superior court had to recognize that appellant was indeed on the note as per the Courts instruction to refinance the mortgage; as it is impossible to refinance a home if your name is not on the note.
Appellant will also show the court were the Honorable Judge herself hinder this Appellant from defending his position fully as there are only three defenses to a rem action; therefore denning this appellant request to move to a judicial court estoppel this Appellant from bring in key material facts; most of all as initials are a legal signature which bears this appellant mark on the note in question, and not for the reason stated by Appellee; to show appellant being aware of the matter.
Appellant will provide for the court evident of title fraud; as there is no title insurance on the property in question; although this Predatory mortgage listed it as being on the property; as title insurance protect both the buyer and the lender; which would have help this appellant with proper representation to defend appellant title against all encumbrance.
Appellant will also provide for the Court evident of appellant putting forth vigorous effort to prevent this illegal attempt to foreclose; as most of his communication to Appellee went unanswered, by Appellee and both of their racketeering attorneys law firms,
In their attempt to help their client steal the property in question; while appellant pleaded, with appellee and all of their attorney to communicate with him regarding problems with this predatory mortgage; as payment of this mortgage was never a problem for this Appellant, even offering to make rent payment until this matter could be rectified; however Appellee never gave this Appellant any rights to his mortgage or note from the beginning of this predatory refinance; nor would they communicate with Appellant even when appellant was making payments on his mortgage and note.
Appellant will show that as require by law, the appellee estoppel appellant from receiving his mandatory mediation as appellee went as far as to commit perjury in court as well as causing appellant and his children to be put out of their home for 8 months by the Family Court Judge; because, appellee illegally took all of his rights to his property away from him and stated to everyone that this appellant was not on the note to the property that appellant purchase by himself; additionally even if there was some fraud by this Appellant ex-wife committed against him, Appellee had no legal rights to remove this appellant from his note or mortgage as this appellant was the one whom purchase the property in question, so how did this appellant lose any of his rights to his note and mortgage.
The same Family Court Judge 8 months later, reverse his ruling, and granted appellant and his children all rights to the property in question; in addition to allowing this appellant to quick claim deed the property in hope that it will help keep the property from being foreclose upon.
Appellant will show that appellee and both of their racketeering attorneys law firms with criminal intent did everything they could do to prevent this appellant from receiving help from any were; most of all from the offices that the United States government has put in place to help prevent illegal foreclosure; as appellee did everything they could think of to keep this appellant quite, are in other words shut up while we take your home away from you and prevent you from defending yourself or position.
Appellant will show that the SUPERIOR COURT OF THE STATE OF DELAWARE did not properly address serious material facts brought to the Court attention by this appellant such as Racketeering allegations, Perjury, Sub contracting attorneys allegations; in addition, to damages done to appellant and his children due to the Perjury committed by Appellee and their attorneys; whom had full knowledge that this appellant was always on the note in question; but because appellant was not represented by counsel, appellee and their racketeering attorneys continue with this illegal attempt to foreclose on appellant property, as appellee’s attorneys used their knowledge of the law to assist their client CitiMortgage with another illegal foreclosure; while hindering this appellant from defending himself as appellees attorneys knew that material facts was indeed an issue.

Even after being advise by appellant to stop and review the note and all documents, as they were put on proper legal notice, that this action was an illegal attempt to foreclose on appellant and his children home; however because Appellant was not represented by counsel, these Racketeering attorneys continue to assist their client with this illegal foreclosure, therefore both McElroy, Deutsch, Mulvaney & Carpenter in addition to Morris/Hardwick/and Schneider; Law Firm, are both guilty of illegal racketeering, by using the powers of their office and abusing the trust they have been granted as officers of the court, in addition to being a legal law firm; whom both were issue power by the state of Delaware; as both law firms sold their office and its powers and repartition for illegal profits, in their attempt to assist appellee CitiMortgage in committing fraud and thief of appellant home.

Morris/Hardwick/and Schneider; Law Firm, and including Wittstadt, are the largest real estate closing firm in the nation, the firm handles over 36, 000 closings annually

They operates their title company, Land Castle Title, in title states. Management of the firm and title company is vested in the Managing Partner, Mark Wittstadt.

Illegal foreclosures can be beaten and put to an end by a few Pro Sa Appellant or John Q Public; but as per my experience; A lot of Judges do not give non attorneys victory’s over an establish Attorney, regardless, how good the Appellant prove their case; it is the justice system, though the means of it Racketeering attorneys who are supposed to be officers of the Court, whom are breaking the laws every day, these racketeering attorneys are giving innocent home owners like myself the problem not as much as the corrupt banks; as the Racketeering attorneys and their law firms are the ones whom are doing the final part of this illegal scam; assisting Appellee with their illegal foreclosures.

The banks or not the only ones whom are foreclosing on innocent home owners, it is their racketeering partners A.K.A Attorneys; whom are doing the job for them; without the corrupt attorneys the banks could never get away with illegal foreclosures, while the attorneys are illegally using and selling the powers of their law firms or office, to help the banks continue to commit these horrible crimes; even though these attorneys have full knowledge that it is wrong and illegal; even when they are inform of the corruption they proceed on with the illegal foreclosures.

What do they care, these people have no one to represent them and have very limited knowledge of the law and the rules of the Courts; so, it’s easy money for the attorneys and the Banks; and by continuing allowing these corrupt Banks and their attorneys to file Non judicial Rem Action foreclosures motion to estoppel Appellants from defending themselves; allows the racketeering attorneys to used the Non Judicial rem Action as a means to keep the innocent home owner quite; as they help the banks steal innocent people home; as the Non judicial Rem Action foreclosures motion gives the racketeering attorneys an open door to continue committing these crimes against the poor and estoppel the innocent home owner from defending themselves.

Regardless’ of how many fines the United States Attorney General gets against these big banks like Citi mortgage, their profits over weigh their fines by one thousand percent, are more; as they are teaming up with Law Firms though out the United States to use their knowledge of the law against innocent home owners; henceforth the attorneys are racketeering partners with these corrupt banks and have never had to answer for their role in illegal foreclosures; until the Honorable Supreme Court accepted this Appellants appeal.

In the racketeering attorneys attempted to help their client Citi Mortgage get away with thief by deception, by use of force, in addition to filing a untrue Rem Action against appellant and appellant children home, ; it is important for appellant to inform the court that appellant, did reach out to others agency; for help; and most of all payment of this mortgage was never a problem for this appellant.

On March 24, 2014 Appellant attempted to file criminal charges against Appellee and their racketeering attorneys; Morris, Hardwick, Schneider; Appellant went to the U.S. District Attorney’s office at 1007 Orange Street in Wilmington, De 19801 Suite 700 and was told that Appellant would not be able to file criminal charges there, and was advise to file his criminal report at the New Castle County Court House; upon arriving there at the New Castle County Court House again, Appellant was told that he could not file these criminal charges at that location; and once again Appellant was advise to move on, this time to the Attorney General Fraud Dept., located at 820 North French St, Caravel State Building.

At first Appellant was told by the receptionist that Appellant could not file charges because Appellant was not an attorney and that he had to be an attorney in order to file a complaint; after refusing to accept this answer and explaining to the receptionist that he was a Pro Sa attorney, the receptionist finally allowed appellant to fill out a complaint statement received on March 24, 2014 by the Fraud & Consumer Protection Division; how is Appellant expected to win his case as a Pro Sa attorney when the scales of justice or unbalance; and the Pro Sa attorney is not giving the full benefits or the respect as a qualified attorney? I am sure as an attorney Appellant would have been settle this matter; but as a Pro SA attorney the deck is truly stack against me; it’s like me expecting help from the other team to win.

Appellant had little faith or confident that his complaint would be taken serious or even look at; as appellant explain to the Honorable M. Jane Brady Judge for the Superior Court for New Castle County 500 North King Street, Suite 10400 Wilmington, De [protected] whom was assign this case; (C.A. N13L-02-021MJB) and to this date Appellant have still not received any correspondent are assistance from the Attorney General office.

On April 2, 2014 Appellant filed a complaint with the OFFIC OF DISIPLINARY COUNSEL located at the Carvel State Office Building, 11th floor 820 North French Street, Wilmington, Delaware 19801, I received their reply dated May 5, 2014 in a nice way appellant was told to shut up, by the Bar, or they would make it worst for me if I bring this matter up again, as I stated above attorneys looks out for their own especially against a Pro Sa Attorney.

On March 31, 2014 I filed a Motion to change Plaintiff Rem Scire Facias Action, Motion From A Non-Judicial Hearing to A judicial Hearing; Case No.: N13L-02-021 MJB because plaintiff could not and has not proving that this mortgage was in default; additionally, they refuse to settle this matter as advise by the Honorable M. Jane Brady; Judge for the Superior Court for New Castle County on 3 to 4 different occasion though out this matter; however it was denied for some reason unclear to me, therefore, this decision hinders Appellant from defending himself against this Rem Scire Facias Action; as it estoppels appellant from bringing in key facts; since it is a non-judicial hearing, this decision has allow the scales of justice to remain unbalance and in flavor of Citi Mortgage and their Racketeering Attorneys; since appellant is not allowed to bring in any of his arguments, as there is only three defensive to a Rem Scire Facias Action.

Just as some police officers look out for each other it seems to be the same way in the court system; these attorneys are highly decorated; and know each other, and the judges (I am not accusing this Judge of any wrong doing in this matter as she have giving me more opportunity to get my affairs in order to move out of my home, then most judges would have) however you tell me where do John Q Public or a Pro Sa Appellant stand a chance against a system already purchase by the Banks with their wealth.

I have reached out to almost every organization for assistance but received none; most of all because appellee committed perjury and stated that this appellant was not no his own note to his home.

More Material Facts

. On April 13, 2005 doing a refinance; Plaintiff Charles Pickens and his now ex-wife executed and delivered to appellee and/or its assignors a Mortgage on the property known as 36 Osage Road, Claymont, Delaware 19703, Tax Parcel No. 06-070.00-109 (the Mortgage’’)

2. The Mortgage provides that upon the failure of the borrowers to pay when due any obligation of any portion thereof when due, the loan shall be in default and Plaintiff, upon thirty (30) days’ notice, may accelerate the sum secured by the Mortgage and may foreclose upon the mortgage property for the collection of the obligation together with the costs of suit and reasonable attorney’s fees plus any sum hereinafter expended in the preservation of the property and Defendant security.

3. Appellee has falsely accused Appellant Charles Pickens of being in default with this mortgage; when Appellant made every attempt to pay this mortgage and to rectified issues regarding this mortgage as payment of this mortgage was never a problem for this Appellant.

4. Additionally; Appellee and their former attorneys Lisa Hatfield; Managing Attorney, Christina Pross, and Chase Miller, all of MORRIS/HARDWICK/SCHNEIDER has committed prudery; and attempted fraud, against this appellant.

On November 14, 2013 Appellee stated in the Superior Court of Law that Appellant Charles Pickens was not on this note; however the note clearly shows Appellant mark/initials on the front page of the note provided to the court by Appellees own attorney’s; as their own exhibits; including on the Prepayment Rider to Note. Additionally, regarding the Mortgage itself section (D) provide information regarding the Note; were Appellant initials are clearly mark as being on the Note in question.

5. Since April 13, 2005 Appellee has violated this note/Mortgage against this Appellant and has denied this Appellant any and all right’s regarding his note; and his Mortgage including; refusing to communicate with this Appellant on behalf of his Mortgage; which Appellant was clearly entitled to. Appellee Citi mortgage was even advise four different times by the Superior Court Judge, Jane Brady; to settle this matter with this Appellant and Appellee still refused to do so; even after receiving an order, by a Superior Court Judge for the State of Delaware; to sit down with this Appellant and settle this matter; On December 19, 2013; There was no negotiation at all with this Appellant;. As a result, any damages that the Appellee are claiming are of their own doing and Appellant claims for damages are still continuing.

6. This predatory mortgage was targeted towards this Appellant base on his race and his disability; in addition to his limited education, on the record; and most importantly the lack of being able to attain counsel.

7. The reason Why Appellee Citi Mortgage refuse to give Appellant a Mortgage/Refinance after being a vise 4 different times to settle this matter by the Superior Court Judge; was because Appellant already had a Mortgage with Appellee Citi Mortgage, and Citi Mortgage with the help of their Racketeering attorneys did everything they could do to hide this information; including committing perjury in the court of law; although, Appellee Citi Mortgage has denied this fact for over 8 years to this Appellant, to the Courts, and to various offices that the United State Government has put in place to help prevent foreclosures against home owner’s; violating this Mortgage and this note from its beginning with this Appellant.

8. The Real Estate Settlement Procedures Act (RESPA) requires the servicer to acknowledge your request within 20 business days and to try to resolve the problem within 60 business days. Giving Appellant such right’s as to file a civil lawsuit against the servicer since the service violated the RESPA requirements.

The Fair Housing Act, 42 U.S.C. 3601 et seq., prohibits discrimination by direct providers of housing, such as landlords and real estate companies as well as other entities, such as municipalities, banks or other lending institutions and homeowners insurance companies whose discriminatory practices make housing unavailable to persons because of race or color religion sex national origin familial status, or disability.

In cases involving discrimination in mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and the Equal Credit Opportunity Act. Under the Fair Housing Act, the Department of Justice may bring lawsuits where there is reason to believe that a person or entity is engaged in a pattern or practice of discrimination or where a denial of rights to a group of persons raises an issue of general public importance. Where force or threat of force is used to deny or interfere with fair housing rights, the Department of Justice may institute criminal proceedings. The Fair Housing Act also provides procedures for handling individual complaints of discrimination. Individuals, who believe that they have been victims of an illegal housing practice, may file a complaint with the Department of Housing and Urban Development [HUD] or file their own lawsuit in federal or state court. The Department of Justice brings suits on behalf of individuals based on referrals from HUD.

Discrimination in Housing Based upon Disability; The Fair Housing Act prohibits discrimination on the basis of disability in all types of housing transactions. The Act defines persons with a disability to mean those individuals with mental or physical impairments that substantially limit one or more major life activities. The term mental or physical impairment may include conditions such as blindness, hearing impairment, mobility impairment, HIV infection, mental ###ation, alcoholism, drug addiction, chronic fatigue, learning disability, head injury, and mental illness. The term major life activity may include seeing, hearing, walking, breathing, performing manual tasks, caring for one's self, learning, speaking, or working. The Fair Housing Act also protects persons who have a record of such impairment, or are regarded as having such impairment. Current users of illegal controlled substances, persons convicted for illegal manufacture or distribution of a controlled substance, sex offenders, and juvenile offenders are not considered disabled under the Fair Housing Act, by virtue of that status. The Fair Housing Act affords no protections to individuals with or without disabilities who present a direct threat to the persons or property of others. Determining whether someone poses such a direct threat must be made on an individualized basis, however, and cannot be based on general assumptions or speculation about the nature of a disability. The Division enforcement of the Fair Housing Act'
; s protections for persons with disabilities has concentrated on two major areas. One is insuring that zoning and other regulations concerning land use are not employed to hinder the residential choices of these individuals, including unnecessarily restricting communal, or congregate, residential arrangements, such as group homes. The second area is insuring that newly constructed multifamily housing is built in accordance with the Fair Housing Acts accessibility requirements so that it is accessible to and usable by people with disabilities, and, in particular, those who use wheelchairs. There are other federal statutes that prohibit discrimination against individuals with disabilities, including the Americans with Disabilities Act, which is enforced by the Disability Rights Section of the Civil Rights Division.

Appellant was made to feel like appellant only choice was to commit suicide as appellant stated to Appellee’s attorneys, Chase N. Miller; on November 15, 2013 while having a mental break down after the Summary judgment hearing; also several times to appellant therapist; in addition to calling the Delaware Help line number 211 were a operator there had to call appellant back several times; in the month of August of 2013 to make sure appellant would not harm himself; as appellant was willing to take his own life in order for his Children to have a better life; because appellant would not be able to provide for his children; and failure as being a parent would be unbearable for appellant..

Appellant has been under doctor’s care since August 4, 2004 for mental conditions and was in no condition to protect himself against this attempt to steal appellant property nor did he know or understand what was happening to him at the time of this predatory refinance.

Appellant have been diagnosis as a Paranoid Schizophrenic which is appellant claim for appellant disability; approved by Social Security Disability.

Most importantly; Appellee Citi Mortgage, and their attorneys are not in compliance with the American Disability Act; regarding their actions and unethical business practices towards this disable appellant as appellant disability made it easy for appellee to take all of this appellant legal rights to his property unnoticed.

Appellant made every effort to prevent any kind of foreclosure action to appellant and his children’s home, even offering to pay rent or make good faith payments (like appellant had done in the past) until this matter could be rectified as payment of the mortgage was never a problem for this Appellant, and now because appellant have been able to expose MORRIS/HARDWICK/SCHNEIDER Law firm racketeering practice they were granted permission to bring in corporate attorneys to protect them and their client Citi Mortgage from federal racketeering charges.

So in comes McElroy, Deutsch, Deutsch, Mulvaney& carpenter big corporate Attorneys to protect MORRIS/HARDWICK/SCHNEIDER from Federal Rico charges; whom never proven that they represent appellee CitiMortgage and was not hired by MORRIS/HARDWICK/SCHNEIDER as per sub-contracting Attorneys to clean up this situation cause by MORRIS/HARDWICK/SCHNEIDER in there illegal racketeering scam to help their client appellee CitiMortgage get away with thief and illegal foreclosure; as this matter was also brought to the courts attention but not properly address.

Crimes committed by Appellee.

Bank Secrecy Act

The Currency and Foreign Transactions Reporting Act of 1970 (which legislative framework is commonly referred to as the “Bank Secrecy Act” or “BSA”) requires U.S. financial institutions to assist U.S. government agencies to detect and prevent money laundering. Specifically, the act requires financial institutions to keep records of cash purchases of negotiable instruments, file reports of cash transactions exceeding $10, 000 (daily aggregate amount), and to report suspicious activity that might signify money laundering, tax evasion, or other criminal activities. It was passed by the Congress of the United States in 1970. The BSA is sometimes referred to as an “anti-money laundering” law (“AML”) or jointly as “BSA/AML.” Several AML acts, including provisions in Title III of the USA PATRIOT Act of 2001, have been enacted up to the present to amend the
BSA. (See 31 USC [protected] and 31 CFR Chapter X [formerly 31 CFR Part 103] )

Bank Secrecy Act (BSA) Statute• 31 U.S.C. 5311-5314e• [protected]• 5331• 5332e• 12 U.S.C. 1829b• 12 U.S.C. 1951-1959e• Federal Crime of Money Laundering - Title 18, U.S. Code, Crimes and Criminal Procedure • Federal Crime of Operating an Unlicensed or Unregistered Money Transmitting Business - Title 18 U.S. Code, Crimes and Criminal Procedure.

Codified Bank Secrecy Act (BSA) Regulations • 31 CFR Chapter X (Effective March 1, 2011)• 31 CFR Part 103 (Effective through February 28, 2011)

FIN – 2012 - R005Issued: August 13, 2012Subject: Compliance Obligations of certain loan or finance company subsidiaries of federally regulated banks and other financial institutions The Financial Crimes Enforcement Network FinCEN) is issuing this ruling to clarify the requirements under FinCEN’s regulations for loan and finance companies that are subsidiaries of financial institutions subject to the same regulations applicable to the parent financial institution and examinations of a Federal functional regulator for compliance with the anti- money laundering and counter - terrorist financing obligations under the laws generally known as the Bank Secrecy Act (“BSA”)FinCEN hereby determines that a loan or finance company that: 1) is a subsidiary of a financial institution subject to these regulations, including at least anti- money laundering program (“AML”) and suspicious activity reporting (“SAR”) requirements; 2) is required to comply with the AML and SAR regulations applicable to the parent financial institution; and 3) is subject to examination by the Federal functional regulator of the parent financial institution is deemed to comply with FinCEN’s regulations at 31 CFR 1029.

On February 14, 2012, FinCEN issued a final rule titled “Anti- Money Laundering Program and Suspicious Activity Report Filing Requirements for Residential Mortgage Lenders and Originators” (“Final Rule”), which defined non- bank residential mortgage lenders and originators as loan or finance companies for the purpose of requiring them to establish AML and SAR programs and comply with other requirements under FinCEN’s regulations.

Non-Bank For purposes of this Ruling, the term “financial institution” shall have the meaning set forth in 31 CFR 1010.100(t)

The term “Federal functional regulator” is defined at 31 CFR 1010.100(r). Unless otherwise noted, the other terms in this Ruling shall have the meaning of the term set forth in 31 CFR 1010.100 (2011).

A loan of finance company is a subsidiary of a financial institution if the company is controlled by the parent financial institution See, e.g., 12 CFR 5.34 regarding Operating Subsidiaries of National Banks 77 FR 8148 (Feb. 14, 2012), http://www.gpo.gov/fdsys/pkg/FR-2012-02-14/pdf/2012-3074.pdf codified at 31 CFR §§ 1010.100, 1029.210 and 1029.320.
The Final Rule was preceded by an Advance Notice of Proposed Rulemaking and a Notice of Proposed Rulemaking in 2009 and 2010, respectively See 74 FR 35830 (July 21, 2009), “Anti- Money Laundering Program and Suspicious Activity Report Requirements for Non- Bank Residential Mortgage Lenders and Originators http://edocket.access.gpo.gov/2009/pdf/E -9- 17117.pdf; 75 FR 76677 (Dec. 9,

A collection of the statutes existing and in force in a given state, all laws and parts of laws relating to each subject-matter being brought together under one head, and the whole arranged systematically in one book, either under an alphabetical arrangement or some other plan of classification. Such a collection of statutes differs from a code in this, that none of the laws so compiled derives any new force or undergoes any modification in its relation to other statutes in pari materia from the fact of the compilation, while a code is a re-enactment of the whole body of the positive law and is to be read and interpreted as one entire and homogeneous whole. Railway Co. v. State, 101 Ga. 831, 31 S. E. 531; Black, Intcrp. Laws, p. 363

A separate account funded by direct contributions or the redemption or repurchase of debt set aside to systematically eliminate debt. It also refers to company funded self-insurance used to cover risks. Refer to doubling option and sinker.

Abuse of power, Abuse of process, ANTICIPATORY AVOIDANCE; CHILD ABUSE, Child Endangerment, COMPILED STATUTES, CONSPIRACY, Conspiracy to Commit Fraud, Conspiracy to Defraud United States (Obstruct Justice) -- 18 USC § 371, Consumer Financial Protection Bureau volitions, CONTRACT PROCEDURES, CRIMEN FALSI, Title Fraud,

According to TITLE 25 Property mortgages and other liens Chapter 21. Mortgages on Real estate regarding ₴ 2103 Effect on mortgage executed by trustee for mentally ill spouse. Any mortgage executed and acknowledged by a trustee for a mentally ill married man or woman, appointed pursuant to the provision of ₴ 104 or ₴ 105 of this title, shall be as valid and effectual to bar and divest his or her estate as tenant by the curtesy or dower interest in case he or she survives his or her spouse, as if he or she had been legally capable, and had in fact executed and acknowledged such mortgage; and any such mortgage, or the record thereof, shall be competent evidence in all courts of this State.

17 Del. Law, c. 616, ₴ 2; 22 Del. Laws, c. 444, ₴₴ 1, 2; Code 1915, ₴₴ 3202, 3203; Code 1935, ₴₴ 3663, 3664; 25 Del. C. 1953, ₴ 2103; 49 Del. Laws, c. 57, ₴ 1; 70 Del. Laws, c. 186, ₴ 1.;

Appellant could continue listing Laws and providing documents in regarding Appellant appeal; however Appellant is unsure if all his documents will be accepted as appellant did submit documents to the Superior Court however none of these argument was even address by Superior Court, and Appellant is sure that appellee and their racketeering attorneys will submit to the court an attempt to throw-out most of the documents that appellant has already submitted to the court as appellee and their attorneys has done everything in their powers to Estoppel this Appellant from bring in matters which clearly show material facts.

Therefore; Appellant will now bring to the Honorable Courts attention the matter regarding Fraud and hacking in to Appellant computer as per internet crimes.

On July 22, 2015 Appellant received an email from Driver Support address to Attorney Aaron S. Applebaum (See Fraud and Hacking 2015) in appendix; because of the mental stress and appellant disability that this matters regarding the illegal attempt to steal appellant home away from him and (his two Honor roll R.O.T.C) sons, has place on Appellant, appellant was unable to deal with any other problems; as appellant continue to consider suicide as an option to bring this morally repugnant, destructive, Unacceptable discrimination to an end; with that in mind; Appellant place the email into a folder on his computer in case he had to recall upon it again.

On September 16, 2015 Appellant attempted to log on to Appellant Yahoo account; when appellant went to place his user name in, to log on to appellant account Attorneys Aaron S. Applebaum name appeared as a user on Appellant computer; as no one name would ever appear in that user box unless they have been on Appellant computer and used a pass word to excess all information on Appellant computer. (See pictures provided by Appellant in the Fraud and Hacking section located in the appendix)

Appellant; remembered the email Appellant saved and located it in his folders; after further review of the document Appellant place his pointer in the area were the email is address to and it highlighted more damaging criminal information regarding Fraud, and internet criminal activity, the contact information was Appellants name and email address however, the phone number listed as Appellant contact number Cleary belongs to Appellees Attorneys McElroy; Deutsch, Mulvaney & Carpenter, LLP

In addition to the above stated in the body of the email the driver was for a HP/Compaq all in one 20 PC series; which is not the computer Appellant has; the description of Appellant computer is HP 23”/Intel Core 17-4790S/8GB (See Geek Squad Service Order: 00465-[protected] dated 09/21/2015

On are about September 18, 2015 Appellant took his computer to Geek squad to have a professional opinion and to confirm for the Court the illegal criminal action and behavior of appellee CitiMortgage and their Racketeering Attorneys; On September 21, 2015 Geek Squad confirm that the driver was indeed install on appellant computer. (See client receipt from Geek squad Client Copy dated 9/21/15

On September 29, 2015 Appellant filed a Request for an extension of time; for reasons set forth in the matter; Due to the fact that Appellant is acting as Pro SA Appellant was unaware that appellee had an additional 3 days to respond to the matter at hand; (For responses being answered though the mail or by computer) therefor Appellant filed a Motion to Compel; in addition, to requesting that the Honorable court order Appellee’s Racketeering Attorneys to produce the information Appellant requested in Appellant Request for production of Documents; dated October 13, 2015

The information that appellant was requesting would clearly show further proof of Appellee’s racketeering Attorneys criminal actions and behavior unbecoming of an offer sir of the Courts, and this Great State of Delaware; therefore appellant respectfully request that this honorable Court order appellees attorneys to produce the production of documents as requested by appellant, as per appellant Yahoo account; it shows the logging on to appellant account from various places appellant have never taken his computer to, or been, appellant never had this problem until appellees attorneys illegally hack into appellants personal computer.

On October 14, 2015 Appellant received Appellee’s Racketeering Attorneys answer to Appellant request for an extension of time; Appellee’s Attorneys Unequivocally denied all of the allegations of wrongdoing; once again committing out right perjury; so that McElroy; Deutsch, Mulvaney & Carpenter, LLP Law Firm can continue assisting their client CitiMortgage with illegal foreclosures and save their Law firm from being disbarred and investigated by the F.B.I and the United States District Attorney’s Office but most of all protecting their Law firm from having to turn over all moneys made with CitiMortgage in their Racketeering scam over to the United States Government as per the Rules/Laws governing racketeering actions and behavior.

Appellant Contacted Driver Support several times in the month of September and was told that someone would return his call; however this never happen nor would the representative or sales rep giving Appellant any information after Appellant inform Driver Support that appellant did not order this driver and wanted to know the credit card numbers use to purchase this driver and name; so on September 22, 2015 Appellant called for the last time; appellant informed Driver support that appellant had a ticket number which is indicated on the email address to Mr. Aaron S. Applebaum ticket number (Ticket #dh_AoeS1437530267610)(5)
Phone number 512.373.3518 the sales rep name is Christina and after several attempts to get my questions answered reluctantly the sales rep gave me the names of a supervisor James White; and the CEO is Mike Hurd; as this company is very much aware of what McElroy; Deutsch, Mulvaney & Carpenter, LLP is doing with their drivers.

The driver that McElroy; Deutsch, Mulvaney & Carpenter, LLP has put on Appellant computer is very sophisticated something that you would expect the United State Government to use; as it also instills a HTML folder on your computer so McElroy; Deutsch, Mulvaney & Carpenter, LLP never need to know any ones pass word as this driver allows McElroy; Deutsch, Mulvaney & Carpenter, LLP to create their own pass word; on any ones computer in the world.

Appellant had to stop using appellant bring new computer as the HTML folder is still attach to appellant computer and although the driver has been removed it is still possible for Appellee’s racketeering attorneys to log on to appellant computer; appellant can bring the computer in question to the Honorable Court at the request of the court for your own review of the computer and McElroy; Deutsch, Mulvaney & Carpenter, LLP, HTML folder down loaded on appellant computer as additional evidence.

Additionally regarding Appellant Yahoo account history; appellant, has been log on from various States and location he have not been to in addition to someone cell phone activity.

In conclusion all appellant ever wanted was to pay his mortgage and raise his sons into productive members of this society; plaint some flowers and be a great neighbor and see a few grandchildren.
Appellant did not want this fight and did everything possible to prevent it from happening.
Just because a person has a mental disability does not mean that that person is incompetence for there is a beautiful mind in all of the disable people.

Therefore Appellant ask the Court how is Summary Judgement giving to Appellee; when material facts, have not been address, and Appellant rights to defend himself has been denied by the courts.

Wherefore; Appellant respectfully request the Honorable Court to reverse the ruling Granted to Appellee by the SUPERIOR COURT,
as per Rule 56; and Grant Appellant and his children; full wrights to Appellant home; in addition, to issuing Appellant with the right to sue Appellee and both racketeering law firms; McElroy, Deutsch, Mulvaney & Carpenter as well as Morris/Hardwick/and Schneider; Law Firm, and including Wittstadt; additionally, Appellant, request that this honorable court refer this matter to the Attorneys Bar Association as well as the F.B.I and the State of Delaware Attorney General office; for disciplinary action and criminal charges; regarding various; vicious, unethical, inhuman, corrupt, dishonest, demoralizing, hateful, discriminating, for profit Racketeering criminal acts, including fraud, perjury, Child endangerment, and illegal internet crimes, by hacking into Appellants personal computer as per illegal internet crimes and fraud from opening an illegal account with Driver Support in Appellants name and using their own office number McElroy; Deutsch, Mulvaney & Carpenter, LLP as a contact number to reach appellant.

Respectfully Submitted. November 16, 2015
I am expecting the Supreme court to rule on this matter by May 5, 2016

Jessica longo from Holbrook. Is a fiilthy dirty ###ing [censored] slut. And that house that she is talking about she stole from her husband by making fake charges against him so that she could obtain an order of protection. There is animal ### an piss all over that house an her kids never take showers or brush there teeth. While she has guy after guy over sucking them off. She is one of the filthiest persons I have ever met in my life. She just recently settled a lawsuit from an abortion that went wrong in witch the body of the little boy was left in her an fell out 2 days later with no head. Well that little boy happened to be mine. Anyway she got $$105, 000 in September an now has less then $30, 000 an has nothing to show for it. Someone really needs to take those kids away from her an lock her away. Soon. Really soon.

Citi morgage never served our family forclosure papers either. Citi morgage lied on documents stateing that they could not reach us and had to appoint representation on behafe of my husband saying he was in the services and in fact he was never in service. The Suffolk County court libary helped me with the papers and they said there was odd things not adding up. I then called up Citi Mogges lawyer who were trying to collect the debt from us and they tell me they don't know anything. But, mean while there companies name is on the documents. Jessica Longo Holbrook NY

I might add, I finally received my Loan Modification after 1 year and 4 months. My State Attorney General here in Montana told me they draw you out or the process out so long as to DESTROY YOUR CREDIT. Citi get's a Pat on the back for a JOB WELL DONE HERE. They totally Destroyed Mine.

So not only am I disabled, can barely make it, But now if anything happens and I need credit to fix my vehicle or anything. I am Screwed as $712.00 SSI-DI only goes so far.

My advice is to LISTEN to the Advertisers. No one wants to get charged for FALSE ADVERTISING, Right? So when CitiBank say's that THEY NEVER SLEEP. Take that TO THE BANK... Because they are UP 24/7 learning new way's in which to SCREW the American People. FACT!

Why else would a Government Bailout be needed for CitiBank to stop them from going under so 35, 000, 000, 000 was given. And then CitiBank turned around and used that money to BUY Asian Banks. This is to us known as writing a Bad Check. It is Illegal to Write a Check to cover a Debt owed to someone else when your Broke already.
Since the USA is in HOCK to China and other Asian Banks the best way to cover a BAD DEBT for them is to just BUY THE BANK. Then you can FLOAT your one Checks and as long as your want.

It is all Criminal. And, What the White House did was TREASON! to the American People too. But just like the the WAR CRIMES we commit.. They all go unpunished and THAT is why we are where we are HERE today.
Keith

Milberg LLC in N.Y. has filed a class action lawsuit for exactly the same reasons you are talking about. I was told to pursue my loan modification disaster on a personal level as well. Have you called the OCC? Hud? I wrote to both and have a case with the OCC who have contacted Citi - lets see. I wrote to the President, House of Representative Banking Committee and my local congress man. I am not sure if this will help, but at least I feel like I am doing something.
If we all unite, we can fight those crack heads. I am in a good mood and sue each and every rep I ever spoke with individually for misrepresenting information about my file, which lead to the denial.
gina@wildaes.com

Lets do this together - the IS strength in numbers

Same here Keith. These people cannot tell the truth. If anyone has info please pass it on! I need to file a lawsuit against them.
Tirza
tirzasmith@vzw.blackberry.net

If it is FOR REAL?

WHAT WAS THAT ATTORNEY'S NAME?

EMAIL IT TO ME ((((((( PLEASE ! ))))))))

I can't take this Citi up my Butt much longer. LIES LIES and MORE LIES.

Keith
K7KTR@montana.com

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.

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

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 !

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!

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.

We are having the same problem with citi mortgage.

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.

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.

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!

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.

Any one in Tennessee having this problem as well? We are the exact same thing tons of paperwork for 3 mths always a different person on the phone, all payments have been mad and on time by western union and the now see the payments but none have been applied? Now they want us to mail them a copy of the modification because they can't find their copy? Help what can we all do?

AGREE with every complaint listed above, , , , , , my question is; how long before the government stops the abuse that CITIMORTAGAGE INC has with VETERANS like myself? The run around to get a loan modification...PLEASE HELP!

I too am a victim of Citi mortgage! I received a package in the mail for a 3 month trial Payment of about $580. When my husband comfirmed this with Citibank they told him that it was a mistake and they were send us a new package. So yesterday it came and I just cried they want almost 4 times as much! Was like $2100 and change. The $580 was doable even if it was $1, 100 but come on over $2100 and that's more then the payments were originally!

How is this affordable? My husband is unemployed and can't make that kind of payment!

I think this is all a scam!

Any one in Bronx, NY or New York? We should all band together and fit Citibank on this! You can reach me misymagicg@yahoo.com

I started my loan modification in Dec.2009 with balance of 96, 919.45 finally in July 2011 I was able to modify my loan with balance of 96, 467.22. when I asked them what happen to all payments of $ 695 I have made over 19 months. they send me payment history I barely understand any entry. I call them and they told me it apply toward the interest and late charge. My credit score was near 800 now it went under 650. Citi Mortgage lied overtime of period about late charge and I was told that every 2 payment they receive they will mark 1 full payment.Since I was under forberence plan my new principal balnce grew after making all partial payment . 695*17 went toward late charge and interest. Citi mortage modification is just a joke. If any one out there going through modification do not send any payment until you received modification document. they did same thing with my second mortgage. it took them over 27 months to modify, even making $199 paymnet over 24 months my balance grew form 26, 703.51 to 24, 889.06+ accured unpaid interest 2, 756.27 total in 27, 914.92 can we get together and file class action or law suit for breech trust.

Well. I can't actually complain just yet, but would like to give my situation. On September 23 2011. The N.A.C.A same your home dream event came to Houston, Tx. We used their service help to deal with the bank one on one for 3 days back to back. They needed some documents we went home or where we needed to go and got them. It took til the 29th of September for them to say our alternatives for help were denied. Then that same day we got a proposal through the N.A.C.A website directly from CitiMortgage. www.nacalynx.com
Mon Day Year # Months PI Rate Amortization Payment Insurance Tax Principal
11 01 2011 3 389 3.62 Full 280 30 79 $41, 192
Servicer Comment:
Account has been approved by Underwriter for Supplemental Modification trial, trial for the amount of $389.26 for 3 months starting on 11-1-11. Final Mod requires trial acceptance and completion. Final PITI may be slighty different than trial amount.
MY ORIGINAL TERM IS
MONTHLY PAYMENTS OF 399.00 WITH THE FIXED INTEREST OF 11.65. PRINCIPAL BALANCE AS OF 9/19/2011 IS $35, 505.94
On Monday Oct. 3rd 2011 through the Naca website I rejected the offer for 2 reasons. First the up to date balance is $35, 505.94 not $41, 192 which is on the proposal. Second the amounts on the taxes are suppose to be on the insurance and the amount on the insurance should be on the taxes. I called Citimortgage and informed them of these discrepancies. They said the underwriter working on my case is working to find out why the balance is what it is. I clearly let them know that I owe absolutely no backed taxes or backed payments. This can be proven by my recent mortgage statement and my current tax statement which I went ahead and resubmitted to them through the N.A.C.A website. I will keep you guys updated with the proceedings after this. Wish me luck if anyone was in my situation and would like to warn me about anything feel free to let me know. My email is OVDLG@yahoo.com hope this helps someone or helps me

I cannot beleive Citicorp is still in business. I too wanted to help relieve some financial strain by lowering my interest rate to lower my payments on my mortgage through what I thought was government assistance. This is a true story. For three months I was on a trial payment program of about 270 dollars less then my current mortgage required. After 3 months I was rushed this contract to sign and called and told to hurry and sign it or I would not qualify for the modification. My existing mortgage was at 7.59 percent and I had 15 years left to pay. The new modified mortgage was as follows, 1-2 years 5.59, 3 yrs. 6.59, 4yrs. 7.59, and 5-24 years at 8.01 percent. I was enrolled in a SMART LOAN before and was told to modify my loan at these rates and the SMART program would kick in and lower everything by .5 percent. I called the SMART program rep. and he stated that I could not re-enroll in the SMART Program and the payments would be as the contract read and would not be lowered. This would have cost me 9 more years on my mortgage and over 51000 dollars more if I would have trusted the Citicorp representative (Orquidea). What a joke! Now I am sure my credit went bad and am sure I will be unable to re-enroll in my last mortgage program. Any suggestions on attorneys would be great. Email me please a good mortgage attorney at hankstercam@yahoo.com! THANKS

I am in the same situation as above...I have had my mortgage "modified" twice only to have it taken back and the payments go up to more that previously. They will not deal with short sales, deed in lieu of foreclosure or the presidents HAMP program that is supposed to allow companies to set a short sale price ahead of time to help the seller and the realtor. Have had absolutely no luck in getting them to be reasonable. Now they have a law firm harassing me with 4 letters coming a day! If anyone does start a class action suit, I want in. Elizabeth Thomas
easthomas@hotmail.com

Is there anyone out there who really believes that our government has no idea what Citimortgage is doing, or not doing? Does anyone read this problem on the front page of ANY newspaper? Has anyone ever heard anything about our problem with Citigortgage on ANY radio? How about this one! Has anyone heard or seen ANYTHING about this situation on TV? After 14 months of dealing with Citimortgage and their mortgage modification assistance, they now say that I am behind on my payments by one month. There is approx. $800 missing in my account that CitiMortgage can't seem to find. Maybe that's where they get their bonuses for their upper management! If that isn't enough, they tell me that they have now sold my loan to another company. I think we need to deal with the government who created this problem and refuses to do anything about it.

so I call them this morning and they tell me that they can't take my mortgage payment because my mortgage has been referred to foreclosure for payments dec 09-dec 10. I've been making the payments. they told me that the program was terminated in august and they shouldn't have been taking the modification amount. I'm going to have to get a lawyer now.

hi mike here you all have just about covered everything.citi has givin me the run around for 18 months forebearance trial mod they say paper work not right. i want to sue them. mike in baltimore md [protected]

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.

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.

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

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!

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

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

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.

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.

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?

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.

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

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!

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...

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?

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.

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.

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