CitiMortgage — pay off of a mortgage
My complaint is against Citi Mortgage due to the way that my Pay off of my Mortgage has been treated. Me and my husband filled out for bankruptcy on Oct. 2014 We signed a Reaffirmation agreement with CitiMortgage and the bankruptcy lawyer sent it to CitiMortgage. When my husband passed away on Nov 2014. I got the life insurance from my husband and I sent the payoff for the mortgage to Citi Mortgage. I was short on my payment by $1, 161.00 dollars. This was in April 2015, when I request from them the payoff; they said they could not do it because I was in bankruptcy. BY the way I CAME OUT from Bankruptcy on July 2015. When I spoke to my lawyer he told me they had the Reaffirmation agreement they should not deny my payoff. When I kept calling them about this, they still keep denying me my payoff. Finally my bankruptcy lawyer found out in August of 2014 that the bank did not record my Reaffirmation agreement. I requested from them my payoff again after my lawyer found out that they not recorded my RA and the payment was almost two thousand dollars now. They explained to me that the amount has been rising because the interest that they have to apply to the remaining balance until now. I have been calling this bank since April 2015 when I sent my payoff. I tried calling the bank executive asking them why I have been punished to pay interest when the fault was on their side. Because according to my lawyer I should not been paying interest since they had everything to apply the payoff and communicate to me the remaining balance. Since my husband dead this has been the worst nightmare. My husband was a servicemen of this country . So I am being punished for an error that CitiMortgage did. I have filled out a Complain with the Consumer Finance Protection Bureau but at the same time I want everybody to know that CitiMortgage is not the company to make business with. I tried to contact the Office of the President but they would not give me any phone or address. This people are rude heartless they are there only to see how much more interest they can get from people like me. Finally I paid the pay off with the interest on Dec 2015 before the keep applying more interest to the remaining balance. I want the back to recognize that they acted in bad faith. I want the interest of 1359 dollars back to me. This interest was applied to a balance of 1161.10 and my mortgage interest was 4.5 % so you can tell here they are abusing. I want and indemnification for all the grieving, rudeness and bad customer service that added more pain to my husband dead.
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