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Citifinancial Mortgage / Customer service is awful

1 United States Review updated:
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My wife and I are trying to sell our house(built in 1950 needs work) the 1st is with WAMU and they are willing to do a short sale the problem is that Citifinancial will NOT remove the junior lien for $1, 000 (this is all WAMU's investors will allow to give Citi) we have offered to give CITI the junior lien position on a brand new home that we have in Alabama for the balance due. We have always paid Citi on time! We showed them the buyer's contract to buy the listing agreement and the short sale agreement from WAMu proving that WAMU will only give them $1, 000. Citi will not agree to recast our loan and move the lien to our other house!!! They want $9, 000 to settle the $15, 000 debt. If I had $9, 000 I would jump at that and the house wouldn't foreclose!!! I have been telling CITI for 4 months that I don't have that kind of money!!!1 No one will listen, I have called the district and regional manager and the office in Baltimore the guy there was really rude to me...the best part is today I receive a letter saying that they are trying to garnish my I am going to let WAMU foreclose and then CIT won't be able to garnish or collect another dime!!! So that is what they get for being GREEDY and RUDE!!!

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  • Gl
      27th of Jul, 2008
    0 Votes

    I completely understand on how you are feeling. I am also going through this same situation with citimortgage. My first mortgage agreed to do the short sale. However, citimortgage wants $30, 000 and the primary mortagage is only willing to give $5, 000. My lawyers have beent trying to work over this deal for more than 4 months already. I really do not understand why they are being so difficult and their workeres are very rude. But don't worry, someday they will pay for what they are doing.

  • Re
      12th of Aug, 2008
    0 Votes

    I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

    Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

    I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

    Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

    That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness!!! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

    I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

    That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

    I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at 888-453-1518 and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is
    and if not for you, best of luck. In all your endeavors.

  • Mk
      17th of Apr, 2009
    0 Votes

    So, just to understand what you're saying, you want them to accept $1, 000 to pay off a $15, 000 debt. They lent you $15, 000 dollars in good faith and you are upset because they will not accept less than 7% of the amount that they lent you? If you had lent someone $150 would you let them give you only $10 to pay off the debt? It seems to me that maybe you should be more angry at your first mortgage company for being so stingy with how much they are willing to pay the second mortgage.

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