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2.8 275 Reviews

CitiMortgage Complaints Summary

124 Resolved
151 Unresolved
Our verdict: Dealing with CitiMortgage, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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10:05 am EDT
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The complaint has been investigated and resolved to the customer’s satisfaction.

CitiMortgage failure to service loan modification

I have read some but not all of the complaints on here regarding CitiMortgage and have a similar story to share. I am fed up with a large corporations failure to service my loan modification after 15 months of back and forth crap we had agreed n a reduced payment (360.00 reduction) and we have been making that payment for 8 months now. GUESS WHAT? I get a phone call from them (CitiMortgage) last week to tell me my loan Modification has "TIMED OUT"! What the hell does that mean? I have to start the process all over again and they want all the back monies (THEY told me not to pay) (360.00 a month) first to bring it all current...
I'm putting my e-mail on here to collect as much ammunition as possible to possible start a class action suit against them...I, FOR ONE AM MAD AS HELL AND FRANKLY NOT GOING TO TAKE IT ANYMORE...After talking to our niece who is a big wig for another major bank (I HAVE TO PROTECT HER IDENTITY AS WELL AS THE COMPANY SHE WORKS FOR, FOR OBVIOUS REASONS) and she filled me in on the NEWEST SCAM these banks and mortgage companies are running...It will shock you but most likely not surprise you...

SO HERE'S MY E-MAIL, FILL MY INBOX WITH YOUR STORY AND I'M GOING TO FIND A HOT SHOT ATTORNEY...YOU DON'T HAVE TO PROVIDE ME WITH ANY PERSONAL INFO AS YOU ALL DON'T KNOW ME FROM ADAM, JUST YOUR STORY AND A WAY FOR ME OR MY ATTORNEY TO GET IN CONTACT WITH YOU IF WE DO IN FACT HAVE GROUNDS FOR A LAWSUIT!

[protected]@cox.net

Time for us little folks to fight back!

thanks,

Sonny

Read full review of CitiMortgage and 3 comments
Update by sonbon
Jul 13, 2010 1:40 pm EDT

please e-mail mail these similar stories at sonbon4@cox.net

I would like to start a class action suit against the company for deceptive and unlawful business practices under the TARP guidlines!

Thanks Sonny

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Dustoff1968
Springfield, US
Oct 13, 2010 1:42 am EDT
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http://cases.milberg.com/citimortgage.

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canelson1
Dallas, US
Jun 29, 2010 6:19 pm EDT
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Dennis & Cora Nelson Dallas, Ga June 2010

I am a customer of CitiMortgage. In 2007 my husband suffered a severe stroke which left him totally disabled and unable to work. I was also not able to work due to having to provide 24 hour care for him. I begin the loan modification process in August of 2009. Our regular mortgage payment was $927 per month. Citimortgage required that we to pay $733.39 for 3 consecutive months in order to receive the loan modification. During the period I was required to provide bank statements, disability letters, letters from SSI, and etc. At the end of the 3 months the modification had still not been completed so once again Citimortgage requested the same documents as before, the bank statements, Disability papers, SSI, etc. For the next following months, it was repeatedly the same thing. Each month I was being told Citimortgage was missing something and need it to be faxed again. When we spoke to representatives we were told that they could not provide us with last names out of fear. I’m not sure what there is to fear if you are doing the right thing. This went on for about 9 months. Our loan was being shuffled around from one contact person to another. Each time we were told someone else was handling our loan now and the documents need to be faxed again. Then I would check the status of the loan in the system and it would say the loan was in review and I would have a decision in 3 days. Of course, 3 days turned into weeks. Finally in June 2010 after sending the same documents over and over again and spending money that we did not have to have documents faxed, we received the modification decision. We have been paying the $733.39 on the first of each moth for 10 consecutive months. My husband receives $2473 each month in SSI and disability. We were told that Citimortgage has to add $500 to this income although this is additional income that we do not receive. After all the turmoil we found out that our mortgage would be reduced by $33.11 of the regular payment of $927. This amount is higher than the $733 that was required during the modification process. Our new modified payment is $893. We are being told that we have to sign the new modification documents on line and the documents can not be mailed to us. If we choose not to sign the modification agreement online we are being told we will be delinquent $5000. We have not missed a payment on our mortgage since we started this process. This entire process has been nothing but stress and a complete nightmare for us.

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CaraCrab
Dracut, US
Jun 11, 2010 8:18 am EDT

My boy friend has been getting a similar "run around" since last July '09. He can give more detail, was told his case was unique, that Citi actually lied, screwed him in writing right out front. I believe that there are several things that were obvious and "out in your face" illegal that they have done, and should be sued for the damages this has caused. He has never missed a payment, did this preimptively, did everything he was told, and they really really screwed him, I think they should pay. It would take me too long to tell you everything right now, but it's pretty bad. Completly illegal, that I can see, and I'm not a lawyer.

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9:15 am EDT
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CitiMortgage here is email for ceo of citimortgage

My complaint is with Citimortgage's trial modification. My story is very similar to everyone elses on this site. We were in a trial modification for 5 mos, then denied. They wanted their money back immediately or they were going to foreclose. Couldn't get a straight answer from anyone at that company, transfered to a million different departments, hung up on, ect.
My story is only different in that I'm in a chapter 13 bankruptcy, so they are now dealing with my attorney. I didn't think it needed to go that far, but now I'm grateful that I don't have to deal with them anymore!

Here is the email for Citimortgage's CEO Vikram Pandit:

Vikram.[protected]@citi.com

Also, the phone # for the executive response team:

[protected]

Read full review of CitiMortgage and 17 comments
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lydia Hong
, US
Nov 13, 2017 8:19 pm EST
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hi, i am under the suffering to talk to many citi mortgage representatives over and over again with the same issue about the principle balance. I paid $102, 000 for my additional principle on 11/2/17. They applied to November, December, and January mortgage payment and tried ti apply the rest of them to my principle. The way they do is to get more interest payment earlier than the due time. Then my bank sent again automatic payment for November on 11/3/17 They applied for January again. it is so mess up. They put down plus and minus over and over again so the 25 lines of confusion calculation added on online record which i cannot follow up. I called so many times about what I originally wants to pay with lots of waiting time but still didn't solve the problem. Also, some of the fund was paid with my TCF bank check but they said they cannot locate my account so it was holding for 15 days without noticing me. How come they cannot locate my account for the check I use and it has enough money. Please can you correct my issue as soon as possible so that i may sleep well. My account Number is #[protected] and [protected].

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Saphir Lewis
, US
Sep 14, 2018 9:53 am EDT
Replying to comment of lydia Hong

contact the attorney general in your state and they will respond right away. atleast they did for me.

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Ron Messier
, US
Jul 13, 2016 4:11 pm EDT
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I have got such a big run-around on an issues that should be a simple fix. I submitted a check for my mortgage received by citimortgage on 3 July 13 (Phoenix, AZ). The check was submitted to my Credit Union on 7/5/16. I had NSF at the time. On 7/6/16 I called and made a payment over the phone. I have a conf number. I asked repeatedly if the check (which was reversed) would be re-submitted for payment. I was assured that the phone payment covered everything and the check would not be resent for payment. I have now received 2 NSF Notices from my Credit Union in the amount of $64.00 in fees, becaues citimortgage tried two additional times to have the payment made. On the 7th July 16, and again on the 11th of July 16. I spoke to a "manager" "In the Philippines"... which upset me once I found out I was calling the Philippines .. God Bless AMERICA ... I am now being told I have to submit a written statment asking for MY MONEY ($64.00) to be returned to My account at the Credit Union. This is UNSATISFACTORY. I should not have to go through all this to have money returned to my account, especially when I was "assured this would not happen".. (Probably was talking to someone in Africa).. I will be searching for a different mortgage co. And will never again recommend CITIMORTGAGE to ANYONE.

Dana Shafman
Dana Shafman
Scottsdale, US
Mar 17, 2014 3:00 pm EDT
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Hello Dijmart, Brock D Smith, Paula MD, Mayers09, et al;

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

I too have had dealings with CitiMortgage on behalf of a client that experienced the same abuses that you all have experienced. He was granted a trial modification and made all his payments on time (they even drafted an extra amount that he did not dispute). Once the trial was complete, they told him to keep paying the trial amount but that no permanent modification has been granted. They further tried to hold my client accountable for trial payments after the trial was complete stating that he was "past due". His representative was named Jandry Fernandez and he was so abusive that even the managers agreed that his actions were in violation...but they never took him off the file even after violating the cease and desist countless times. We began filing complaints to both federal and state oversight agencies and what do you know, the full modification finally showed up after flexing our muscle!

You all have rights and it appears that CitiMortgage not only violated my client's right but yours as well. For more information on your rights, visit the CFPB website or feel free to contact us here at END Consulting to discuss your options and rights. Check out our daily debt show called "the daily complaint" where we target a complaint daily to review in an effort to provide solutions for distressed homeowners and credit card holders at www dot ENDDebtShow dot com.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com'
www.ENDDebtShow.com

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Becky Pace
Pittsburg, US
Feb 21, 2014 3:28 pm EST

I also had a mortgage through Citi. I lost my home to foreclosure in April, 2012. Five days before we were to vacate, someone changed the locks on the house and garage. Before I could find out how to get in to finish moving, they had a company come in and clean out my house and contents, saying the only things left in the house was "debris". The garage was full of car parts to a '96 Mustang, tools, etc. The writ that I was served stated specifically they (Citi) was responsible for removal and STORAGE. It was taken supposedly for disposal. I have faced all the same problems everyone else has; the major run around! After all the battles and time, I've been told my account is closed and they did nothing wrong. Silly me! I'm thinking going into my house early and disposing
of private belongs sounds like theft!

I've contacted an attorney about this and he agrees this is all very wrong, but he says we could easily spend the same amount I'm trying to be reimbursed on legal fees. He says you rarely win when going up against giant corporations. I'm sick of all the BS and just want compensation so I don't have to pay out of pocket AGAIN to replace all our things. Would LOVE to see them brought to justice!

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@re_info_411
, SE
Sep 12, 2013 6:06 pm EDT

Here's an email we sent to the CEO Offc. Unbelievable the run around we have received on this file.

I am writing you today in hopes that you will be able to provide the much needed help I am seeking to finalize a short-sale that has been delayed. While I have been working to find a resolution that will satisfy all lien holders and allow the family to move, I have encountered many obstacles within CitiMortgage that have led to numerous delays. It is hard to believe that documents are being lost or misplaced but I can think of no other reason why multiple departments must ask for the same documents over and over again when they are all working on the same file. Surely the constant need for the duplication of documents is not only unnecessary but inefficient and confusing. Additionally, further requests for additional information have continued to be made by separate departments that do not apply to the process further delaying the completion of this short sale.

The subject file/ loan #: [protected]-7 has been bounced back and forth from the Citi Short Sale Department, the Citi Bankruptcy Department, the Citi Recovery Department, back to the Citi Bankruptcy Department, and now is at the CitiMortgage Executive Office. This is a bankrupt account that has been charged off by CitiMortgage, we have an "Order on Motion to Avoid Junior Lien on Principal Residence" signed by the bankruptcy judge and is unopposed by Citi. We were told by the Citi Recovery Department that with this notice the borrower would not owe CitiMortgage any additional monies. In turn, we asked for a satisfied lien release. We were then transferred back to the Citi Bankruptcy Department where representative Shaconie Bell demanded additional information and forms that did not apply to this file. She was incredibly rude and in no way helpful. After Tweeting about the "run around" I have experienced, the CitiMortage Tweet department (Social media team) asked me to call the CitiMortgage Executive Office. I have done so and representative Ras Brantley has been professional and helpful. He has taken over the file and stated that the BPO is over a year old and would need a new BPO. I stressed that this account is an active bankruptcy and a charged off account and that the first and the third lien holders have approved the short-sale. I asked him to please take this file to his VP for review and exception. He did take the file to his sales manager who only took a day to decide to decline waiving of a new BPO even though there is no reason for Citi to insist on further delays for such a file. So, while this file has been dragged along at a snails pace for a month by multiple departments it suddenly is stopped by a sales manager who made this decision in a day. Please understand that I am in no way suggesting that the file should have sat on the sales managers desk but with so much to consider I am concerned that he did not care to take the time to truly review the file and even more concerned that the file never did make it to a VP.

I am asking for a moment of your time to review the file, loan #: [protected]-7. The only logical solution is to finalize this file with a waiver of a new BPO and allow CitiMortgage approval without a new BPO.

Thank you in advance for your time and consideration.

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Nicoled Quimbaya
Windsor, US
Jun 26, 2013 5:04 pm EDT

I really dislike Citi mortgage and would never gone with them if I knew they were going to be this disappointed with their business. My complaint is with Citimortgage's trial modification. My story is very similar to everyone elses on this site. They wanted their money back immediately or they were going to foreclose. Couldn't get a straight answer from anyone at Citi, transferred to so many different people, gave me phone numbers of people that they say I needed to contact, and I never got an answer back, just left voicemail after voicemail and til this day I still have not gotten any response back from anyone. They are quick with taking you to foreclose and taking you money, but when you need and answer and some type of help that is totally out of the question. This is one of the worse experience I have ever had with Citi Mortgage. I do not know how they stay in business with so much unsatisfied clients.

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Katherine Ryan
, US
Jun 11, 2013 11:39 pm EDT

To file a complaint with the Federal government go to www.FTC.gov- it is the Federal Trade Commission. The more complaints the FTC has on a company (CitiMortgage) the more likely they are to follow up.!
And people when you're referring to the company or other people/a group of people the word is "their" not "there".

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jo1313
Miami Lakes, US
May 14, 2013 2:37 pm EDT

citimortgage corporation has been foreclosed by oppt check [http://i-uv.com/] for more info

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lmbstory
Hanceville, US
Jun 12, 2012 4:19 pm EDT

I have been going thru this modification crap for seven months now. I have had three different "specialists" and they all ask for the same information over and over and over and over and over...see where i'm going with this. Finally ask for a supervisor and she said they DID HAVE all the information they needed and my account was turned over to the "underwriter" for approval. NOW, my "specialist" will not call me back or answer my emails, so I contacted my previous "specialist" by email and she did answer me and said they needed more information...ie. Form 4506T EZ (which supervisor admitted they already had) and more bank statements (which they had them all at the time they said my account had been turned over to an underwriter, but my May bankstatement has JUST NOW become available and my account was suppose to have been turned over to the underwriters nearly a month ago! A month ago they had ALL my bank statements from October thru April ! We have to stop these criminals. I have contacted my state rep., and gerneral attorny. I am going to contact any and all media that will listen to me. This is a bunch of crap, OUR government gave them BILLIONS that BILLIONS is with a B, to help people like us that are trying to do things right, and companies like Citi and Bank of America are stabbing us in the back! If anyone knows a solution to this problem or knows someone to contact that may actually be able to help, please let us know. Thank you, lmbstory@hotmail.com P.S. the CEO of citimortgage is now Sanjiv Das'. If you know how to contact him or have an address for him please post it.

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SueBee66
Franklin, US
Jun 09, 2011 7:01 pm EDT
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I agree with you on this one. I heard the same thing and they wouldn't do a modification with us unless we went on this so -called six month program, which we are barely able to meet each month with our medical bills, and this will be okay, maybe, in september which we have to reapply, and then if they don't approve, which I heard they usually don't, they will foreclose anyway. It has been a nightmare with them but worse with HSBC. Our second mortgage. Separate category which I'll complain about in a minute.

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5:41 pm EDT
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CitiMortgage statigically deceiving

This company is very deceiving; for the people who ended up on unemployment like myself, and tried to get on board with the Home modification program they wait 8-9 months later to put your information into a calculator (which only takes a few seconds) to tell you that youd do not qualify because you need at least 9 months of income to get onto the program-is very misleading. They are the white collared crooks who have underminded helping the unfortunate Americans who have fallen victim to this economy. There is also another program that was recommened, but wait a minute... only a few months left on unemployment and guess what? I'm not qualified to participate! So where is the help from this people that we initiated a 30 year relationship with, because employment will come one day soon I pray, and I will remember all the crap that I went through with this company. It's all a matter of time, before they "Citimortgage" is found gulity of some type of foul play! To my fellow homeowners- We must expose them with our personal experiences, and hopefully someone in government will take the intiative to investigate them "Citimortgage!

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meshel
, US
Apr 02, 2011 3:16 am EDT
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yes we do im all in tell me how letter writing doesnt seem to work

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lindaf1059
Harwood Heights, US
Jun 29, 2010 8:28 am EDT

I to was in the process of a loan modification. 9 months later they are telling me that the service provider is no longer participating. I received a call at the end of March 2010 telling me I was approved and now in June Citimortgage is telling me that the loan was not approved because they opted out. Now I am facing foreclosure and Citimortgage tells me there is nothing they can do. I need help fast!

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4:39 pm EDT
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CitiMortgage customer servie (lack of)

We have had to move out of state due to my husbands job.We have had our house up for sale for a year with no offers.We now have a payoff offer that is a great deal and we cannopt get anyone to talk to us.You call and ask for a supervisor and they say none available.We call everyday and get transfered 5-6 times every time.We quit making our house pmt 3 months ago due to not being able to carry both places anymore.We sought out help from them before this ever happened.Never once did we get a response.We filled out paper after paper that was way to much info anyway but never got any help.So we call to get a payoff and they charger us $5 to get it faxed to us.Okay then the next day they put us in Forecloser.Really? I hate working trying to work with this Co and WILL NEVER again.WE have our house sold and can't even get a contract signed because they will not give us a firm 45 day payoff.UGH! This is a nightmare.

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12:28 pm EDT
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CitiMortgage foreclosing on ill customer/veteran

I have been calling CitiMortgage since January trying to talk to someone from Loss Mitigation Department to work out a repayment plan or get a modification on the house loan. I have been contacting creditors and CitiMortgage because I got sick from a head tumor. I had to take weeks off for Family Medical Leave from teaching. I just got radio-surgery for the tumor in mid-May. On June 4th, 2010 CitiMortgage sent me a letter that my house is being foreclosure and the sale date is July 6. I am still in the six weeks period of healing from the radio-surgery. My summer monthly pay is temporarily down to $1, 100. I was waiting so CitiMortgage would develop a loan modification or temporary forebearance. Instead they sent the letter saying my house will be sold to highest bidder on July 6.

Only personnel from collections called me, but they could not come up with repayment plan; they told me that my case was being sent to different case workers in the Loss Mitigation Department. No one ever from Loss Mitigation called, but I did send copies of my salary & bank statements as part of an application for a modification plan. I was denied twice a modification plan on the basis that my income was too low. Duuuuuh! that's why I called them in the first place, because I had to take Family Medical Leave from teaching because I was sick. Also, I told them that I did receive a 3-year contract from my job.

I have been in the home since 2004 and never paid late until I got sick February 2010. Finally, I am a lady veteran from the military so part of the loan is VA. This mortgage company has no soul; it would rather foreclose on a home then work out a plan to help the customer.

Read full review of CitiMortgage and 4 comments
Update by msveteran
Jun 11, 2010 2:50 pm EDT

Thank you...I feel that I can relax and focus on healing. They stopped the foreclosure and scheduled sale of my home. The executive response team immediately offered me a forebearance. Basically a reduced payment amount that I feel comfortable paying. I can pay the reduced amount for four months. Then they will discuss repayment options for the missed months.

You're right, the executive response team has been very cooperative and compassionate. I intend to repay everything I owe after I'm cleared to return to work. Also, once cleared, my short term disability insurance will pay a lump sum, but that may take 2-3 months. I intend to use those funds to catch up on the mortgage. Even if I have to file bankruptcy, I still intend to repay them everything I owe. This has just been a major even in my life because of the serious illness. It just feels wonderful that I won't be kicked out at a time when I'm ill. I have a chance to heal, get on my feet again and repay what I owe at a later date when I'm better.

I will pray for you and your husband, you're now on my prayer list.

Good luck & blessings,
Msvet

Update by msveteran
Jun 11, 2010 10:46 am EDT

I appreciate your response because you clearly wrote to help me. For years I paid on time, until I got sick. After head tumor treatment, the neurosurgeons have not yet cleared me to drive or return to teaching yet.

Finally, after months of trying to get someone to call me back, The Executive Response Team is offering me options where I can pay a lower amount for a few months. Now I can relax and focus on healing and whether I need another treatment in the summer before school starts. Then I will return to educating many students in science. Once I earn regular paychecks, I will be able to pay back the few months I missed due to illness.

I try to be a person of excellence helping others where ever I go. My neighbors are glad that I can stay in my home. When I returned from surgery, lightning from a storm struck a roof next door. I quickly rang their door bell even though no car was in the drive way. Also I used my water hose to flood the fire with water until the fire department arrived. A lady and puppy were in the house and came out. She did not know the roof was on fire. I also helped minimize the fire damage. All my neighbors know that I care about people and our community.

As soon as I get better, I promise to pass on the kindness you gave to me to others. May God bless you tenfold for your kind words and helpfulness. You made a positive difference in my life and I will pass it on to others.

regards and thanks,
msvet

Update by msveteran
Jun 10, 2010 9:49 pm EDT

Hey stealth, you're taking yourself way too seriously. I have found 39 pages of complaints on CitiMortgage at http://consumeraffairs.com/ site. What I wrote to Dijmart was accurate. The bankruptcy lawyer also said the same information as the VA representative.

The same day, a respresentative from CitiMortgage actually called me. She discussed VA options that were not previously disclosed to me. She spoke for about 45 minutes about options. She listened to how I was not satisfied with the lack of customer service. Read for youself her email after we talked...

"It was a pleasure to speak to with you today. What I would like to do is put you on a special forbearance through September to give you time to get back on your feet. Let me know what you think you can afford. After September we can look at a couple of options.

1. A repayment plan would add some of the defecit on to your payments each month for a specific length of time until it is paid back.

2. A VA Modification would add the defecit back into your existing loan and extend the term. The interest rate would be determined by VA at the time of the modification. This would then make the loan current and whatever the new payment amount is would remain as your payment amount for the rest of the loan.

Thank you, " She let me know that they work with the VA and is willing to help (even though not required). So I am thankful that finally after months of waiting, I am receiving communication and assistance.

Update by msveteran
Jun 10, 2010 6:48 pm EDT

Thank you dijmart for the information. I received a call from a person from the executive response team after I sent an email. She said they are stopping the sale of my home. Also, she said there are some options to work with me in order to keep my home. I am so glad and feel that I will be able to sleep better tonight. Thank you again...

Update by msveteran
Jun 10, 2010 11:12 am EDT

Thank you for the information. I really appreciate it. I was just contacted by a Veterans Affairs Loan home mortgage representative. CitiMortgage previously told me they can not offer me modifications because I had a VA loan. He was not happy about the fact that CitiMortgage just tried to foreclose & sell my home without offering a forebearance or loan modification. He said it was not the only time he heard negative reports about CitiMortgage. He will see what he can do to help my case.

Update by msveteran
Jun 06, 2010 4:36 pm EDT

Oh I started calling them back in January when I started missing work days. I asked for the telephone number for the loss mitigation department and I pursued modification. I faxed paper work for modification twice. The first time, I was told that I was not delinquent. I was also told to tell the collection people that my case was being review for loan modification by their loss mitigation department. So I re-faxed the data with one of their delinquency letters. I kept calling and asking who my case worker was. I was given one name, then another, then another and finally a fourth. Each time I called and asked to speak to the case worker. I even filed a second application and faxed updated salary & bank statements. No one from Loss Mitigation ever called me.

Only collections people called and I kept telling them that loss mitigation department was reviewing my case. The collections personnel were very nice and reassuring. Each time I talked to anyone, I wrote down the date, time and information. I have copies of everything I faxed. The second time I filed over the phone and still faxed the data. Later I received another letter denying me for modification saying my earnings were too low.
Eventually, I got treatment and still called them to update them. It was apparent each time I called that the "left hand does not know what the right hand is doing". The company is too large and it is not able to focus on customer assistance. It's just business to them, not people.

I kept records of everything and went to see a bankruptcy lawyer. As a homeowner, I offered to send partial payments, one or two months payments, but the collections people told me to wait for the loss mitigation personnel to work out a plan. It has been a lot of energy used that I need to heal. I just do not have any more energy to spend with the mortgage company. I have responded to their foreclosure letter, but will have to take charge of my situation via bankruptcy.

Update by msveteran
Jun 06, 2010 3:05 pm EDT

Oh I agree that paying is the main goal. I tried to send in payments but was told by collections people to wait until a caseworker contacted me. They said the caseworker would offer some type of repayment plan or modification or even a reinstatement amount. So since it just business, I will be forced to declare bankruptcy to protect my interest. Since it's just business to them anyway, they won't care.

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Cappie
Pell City, US
Dec 27, 2010 4:29 pm EST
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***WARNING*** Please read this if planning to use CitiMortgage ******
Citimtg is more compared to a title loan company than a mortgage loan company! If you are forced to file chapter 13 (repayment) bankruptcy, make sure to keep very good records and all correspondences from Citi. (You will have to make current payments on time and can only put arrears into chapter 13).
I filed bankruptcy to stop foreclosure because ABN-AMRO wanted to modify my loan for over $5, 000.00 in fees (that included about $1500.00 in (2) missed payments) still I was foreclosed on while in chapter 13 by ABN-AMRO. The house was sold and bought, at an auction by ABN-AMRO, ten thousand dollars ($10, 000) was added to the loan in fees and profit by them. A consent order by the Bankruptcy court was filed and signed, but the fees were never removed from my loan. The loan was taken over by CITI. All this happened while I was deployed in 2006! I've tried every since to get this removed, multiple calls to who knows how many different departments, even writing to the CEO. On top of this, since we came out of bankruptcy in 2008 no payment has been missed, only last week to receive a letter stating we are now in default and owe over $4700.00 plus $2, 230.00 in "delinquency related expenses". What the crap kind of charges is " delinquency related expenses"? I've herd of late fees and legal related fees to foreclose, but this is the icing on the cake for a loan shark. Is this the kind of company Fannie May uses to service its loans? I've had it with this company, I will report them for fraud as soon as I get my lawyer working on this ridicules claim, we are "in default". I hope anyone who reads this will not use this company, it is nothing but a greedy, blood sucking, fraudulent bunch of thugs looking for a way to steal from people, force people into bankruptcy, or loose their property so it can be resold for their profit. It is hard to believe our tax dollars went to help companies like, this stay in business, by bailing THEM out. May God have mercy on the greedy and help them change their ways, before judgment. I have peace in knowing we have repaid them what we owed in late fees and arrears, paid them on time since bankruptcy. Guess they need a judge to tell them that...Again..
If this is how the rich keep the poor even poorer, we should pray harder for them!

The peace of Christ be with you!

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Joannna
, US
Jun 11, 2010 11:40 am EDT
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No problem!
I ran into my problem with Citimortgage because last Sept my husband lost 10 hours of overtime a week (that he had for years), then was reduced to 32 hrs. I also have multiple sclerosis and had an exacerbation that lasted 7-8 weeks. My employer needed me to come back to work or quit (I hadn't been there for one yr, therefore not covered by FLMA).

We called Citimortgage and explained our problem they stated we had to miss one payment to be eligible for the loan modification program. Well, we missed Oct payment, then had reduced payments for 4 mos, then my husbands work picked back up and I went back on SSDI. Citmortgage called to update our info and said we no longer qualified and to start making regular payments again. No one ever mentioned we would owe Citi the money back.

So, last week the collections dept called stating we owe $4900 and to pay immediately or they would move to foreclose. I was stunned! I spoke to the loan mod office and they said that the paperwork we signed said somewhere in the packet that we'd owe the money. Okay fine, but we don't owe $4900, more like $2100...
They said we were in default for 4 months of payments. WHAT? ...No that's WRONG!

No one would listen or help me... I think they all thought I was a liar. Anyways, I found the email I posted online and it's the only thing that got some "action" from those people. They think they can just say you owe this and they can get away with it, every time I faxed my cancelled checks they conveniently didn't receive them...

Not only was I dealing with the amount due discrepancy, but what, no repayment plan, just foreclose if not paid immediately? Well, we're in a chapter 13 bankruptcy, so they sent our loan to their bankruptcy lawyer and now their negotiating with our lawyer and I don't have to deal with calling them anymore, but feel very bad for those who still have to communicate with them...The people at the executive response team are in my opinion the only ones that seem to be able to truly help. They seem to have more authorization to "DO" something to help you.

Anyways, I hope you feel better soon.
Dijmart

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Joannna
, US
Jun 11, 2010 9:18 am EDT
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Your welcome! these are hard times and a mortgage company that received bailout money and committed to help others in need of modification, ect ...SHOULD be helping when they can!
Good Luck to you!
Dijmart

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Joannna
, US
Jun 10, 2010 9:22 am EDT
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Here is the email for Citimortgage's CEO Vikram Pandit:

Vikram.Pandit@citi.com

Also, the phone # for the executive response team:

[protected]

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CitiMortgage pmi removal

We own a Single Family home as an investment property. The mortgage on this property is currently held by Citimortgage. We purchased the home two years ago for $200, 000 and took a loan for $180, 000. On July 7th of 2009, we sent a principal curtailment of $70, 000 and also a check for $500 to have the loan re-amortized. Along with the check, we sent a letter asking for the PMI to be removed, since our loan to value would have automatically reduced dramatically.

We received a letter from CitiMortgage stating that an appraisal is required to remove the PMI off of our loan. Well, we accepted that and paid $385 for an appraisal. The appraisal came back lower, as expected in this market, to $185, 000. We are being told that the PMI can’t be removed since the home value depreciated. This seems like a ludicrous argument to us. Our current appraised value is $185, 000 (appraised by your bank recently) and our loan amount is $110, 000, which means our loan to value is under 60%. We are utterly confused why we cannot get the PMI removed considering the significant reduction in loan to value.

p.s. This loan was originally from ABN AMRO.

We have contacted my local elected official to look into this. But there has been no progress so far. They have filed a complaint with "Comptroller of the Currency, Administrator of National Banks". The status has been "You case is being reviewed" for the past 3 months.

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CitiMortgage foreclosure after fake modification

I am presently waiting for the other shoe to drop when it comes to a CitiMortgage property myself. My mom passed away without a will, so things have been tied up in probate. Nonetheless, I have kept CitiMortgage in the loop every step of the way. I contacted them to apply for a modification when I started having difficulty paying the mortgage and was told that I qualified.

Like a lot of other people, I was on a modified payment program (supposedly working towards a modification) for 6 months, but then I was later told that I didn’t qualify and if I couldn’t pay them the full past due amount, the house would go into foreclosure. Since it has gotten to that point, I’ve gotten conflicting stories about what my options are, and nobody seems to be willing to help, or even know if there is an option for me. To add insult to injury, I am CONSTANTLY (I mean like DAILY) getting phonecalls by random representatives who usually start the conversation by asking for my mom, who is deceased. By the time we work up to who I am, whether I am authorized to speak on the acct, and how much is past due, nobody can give me a straight answer as to how I can be helped.

Honestly, I get the feeling CitiMortgage is just trying to snatch the house from under me! They keep referring me to their foreclosure lawyer as if they have no say in the situation.

They CLAIM that they work to help people stay in their homes, but I think that is a crock of crap!

I am about to contact people to let them know about the shady practices of CitiMortgage… TV, newspapers, Congresspeople and whoever else will listen! This has to stop!

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llway
mulvane, US
Aug 07, 2011 5:19 pm EDT

We were able to come up with an agreement after, a couple of years of pushing for a home mod. loan. Talked to many different people, sent two sets of applications in. Citicorp lost the first one! After a set agreement and setup payments that we have kept currant for almost 2 years. Now they have turned us into a collection agency for no apparent reason. So even if you get a loan reset up thru them, they will still stab u in the back.

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wronged family
Hastings, US
May 16, 2011 7:40 am EDT
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exact same story for me and my husband. we have lived in our home 15 years. we have to be out by september.

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qtdivergirl
, US
Mar 18, 2011 4:01 pm EDT

My brother is going throught the same thing - I've called every newspaper and TV station in NY, NJ, and PA for help and some of them are actually getting back to me to do a story

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Nancy Piont
, US
Jan 07, 2011 2:51 am EST

We live in FL where the court has decided that all homesteaded homes going into foreclosure (similar story to yours) is mandatory. We went through all the hoops trying to get a modification didn't work of course. Now we jumped through the hoops to get the mediaton which was supposed to be completed by January 20th. Now we find out by accident (no notification by by court or mediator or Citimortgage that Citimortgage fired their attorney for fraud and now we are back in limbo. Had to move because my job moved, haven't been able to sell the house and totally frustrated. I'm ready to send the keys by FedEx addressed directly to Vikram.Pandit and be done with it. We had credit scores of 785 and 807 respectively (obviously not deadbeats) and they still wouldn't help us. They have no interest in helping because we paid for mortgage insurance through them, so you can be pretty sure they won't lose because they have the insurance if we end up finishing the foreclosure and we are in a gated senior golf community so obviously eventually they will be able to sell the house. I feel your pain and who knows how many others in FL don't even know yet that Citimortgage has fired the lawyer and left them in limbo.

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RBO1
Daytona Beach, US
Aug 11, 2010 8:18 pm EDT
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I HAVE HAD NOTHING BUT TROUBLE AND LIES FROM CITI MORTGAGE. LETTERS ASKING ME TO TELEPHONE ONLY TO BE TOLD EITHER NO SUCH PERSON OR THAT I CAN NOT TALK TO THE PERSON THAT SENT ME A LETTER ASKING ME TO CALL. THIS HAS BEEN GOING ON FOR 1.5 YEARS AND FINALY AFTER BEING TOLD THAT I WOULD GET MY LOAN MOD PAPERS IN JANUARY THEY CAME IN AUG. AND WERE DIFFERENT.
EVEN WHEN I TRIED TO CALL BACK TO SOMEONE THAT I WAS IN TOUCH WITH THE TELEPHONE NUMBERS WERE CHANGED. THEY ARE A TERRIBLE COMPANY.

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Joannna
, US
Jun 10, 2010 9:27 am EDT
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Here is the email for Citimortgage's CEO Vikram Pandit:

Vikram.Pandit@citi.com

Also, the phone # for the executive response team:

[protected]

My story is similar to yours. Try the above email and phone #.

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CitiMortgage mortgage modification

Citimortgage has been working on my mortgage modification for at least 8 months. Initially they had me resending the same paper work over and over again for about 3 months. Finally they said they have everything and that it would be an additional 30 days. In March the modification still was not final. In April their was a notification on the website saying it would be complete in 3 business day and now on May 21 they are saying that they need additional documentation..

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Teri654
New Carlisle, US
Feb 03, 2010 8:22 am EST

I have a home mortgage on a house that I built in 1997. My mortgage was with Principal Residential until it was bought a few years back by Citimortgage. Immediately our payments went up, which we were able to afford still but due to my having to change jobs and my husband's hours being cut we have gone through all of our savings just trying to keep up the payments...then in 2008, yes, 2008 I started the modification process with Citi...needless to say, we have been denied for the HAMP program. I have a credit counselor with CCCS who has stepped in to assist me and I am now trying to have Citi look at the loan for any other kind of modification...if not, Citi wants to short sale my home...this is outrageous, they will not work with you, they don't know what they are doing, the customer service is non-existant and you can't understand the people that you are talking to.

I believe that Citimortgage is utilizing misleading, deceptive and predatory lending practices. Does anyone out there know how I could refinance with someone other than Citi even though the mortgage shows us behind due to all the charges and fines they have tacked on to my loan? I was never behind on a payment in my life until Citi got ahold of my mortgage, thanks for nothing.

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Claudia S
Oakland, US
May 25, 2010 12:22 am EDT
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I began our loan modification process with Wachovia back in Oct. 2009 and to date we still haven't been able to finalize it. I find it absolutely stomach churning that every single god given financial documentation was provided to them (within 24 to 48 hours after Wachovia's request), and they still managed to delay the review process by claiming that the fax was never rec'd, the date was missing, the name was misspelt, Snoopy ate the mailbox, and Garfield, the cat, jumped on the stack of papers and his lice/fleas ate the documents!...seriously, my 5 year old son has better (and thankfully less) excuses then the Reps at Wachovia.

Well, I don't know about you guys, but quite frankly, I've had enough. Wachovia shouldn't have accepted the bailout money from the gov't (which is really our hard earned tax dollars) if they had no intentions on bailing out anyone other than themselves! I've sued Wachovia in the past (before they acquired World Savings Bank) for extending a prepayment penalty fee and I had the entire matter resolved within 1 week...and mind you, I am not an attorney, never went to law school, and I sued completely on my own. Now, that being said, I took some of my own steps yet again for the 2nd time in hopes of getting what I was promised when we initially went through the phone interview: (1) 2% fixed interest rate; (2) lower monthly payment that included my escrows; (3) keeping my home (especially since we put 20% down payment on the purchase price back in 2005). I am keeping my fingers crossed that I will succeed for the 2nd time but it's never a guarantee!

I think that if we all ban together (picture the Boston Tea Party) and everyone writes or files a complaint to the addresses listed below, then they will have no other choice but to listen and comply. My filed complaint alone is completely useless unless it's backed up by everyone else who is experiencing the same difficulties. Below you will find the steps in filing a lawsuit and complaint in your own County, but please keep in mind that all we can do is try our best and hope it'll work:

1. gather all docs and any fax/mail/email/fed ex confirmations sent to Wachovia;
2. organize in accordance to date, all phone calls made to Wachovia, whom you spoke with, and the topic covered during that conversation;
3. go to your County's website or google "how to file a complaint in _____ County". Once at the website, you can download the forms you need to complete in order to file a lawsuit. Be watchful of the Complaint you submit to Court, because there may be 2 different lawsuit forms: (1) small claims (typically used if you are suing for less than $6, 000); and (2) civil complaint.
4. If you do not have access to the web or your county does not provide this online, you can visit your county clerk and ask for the forms directly.
5. in addition to filing your own lawsuit, file a complaint online with the Department of Banking and Insurance and also with Thrift Supervisory.
6. Lastly, once you have a copy of your filed lawsuit at hand, along with all the other online complaints you filed, feel free to drop a few lines to the following people at Wachovia:

Wachovia Corporation
Legal Division
NC0630
One Wachovia Center
301 South College Street
Charlotte, NC 28288
[protected]

Board of Directors
Wells Fargo & Company
P.O. Box 63750
San Francisco, CA 94163
email: boardcommunications@wellsfargo.com

Wells Fargo & Company
2711 Centerville Road
Suite 400
Wilmington, Delaware
Attn: Mr. Mark C. Oman

Good luck to all and if you have any questions feel free to drop me a line at clichtenstein@hotmail.com. Just remember, I am a regular schmoe like everyone else, sharing my experience that worked for me back in 2008 and hopefully again in 2010! Therefore, I can not give any legal advice, since I am not an attorney and hold no office in that capacity either.

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Rodster
, US
Feb 09, 2010 10:34 pm EST

Teri654,
I have been in the process with Citi since November 2008! Took a big pay cut from work, folloed their advice on a reduced payment for three months, was told that would qual me for a remod. 90 days later I'm told I need 90 days more of reduced payments. I'm thinking this does not seeem right, not to mention that NONE of their service agents have a damn clue what they are talking about. Call five time-get five different answers. I was told I qualed for the HAMP. Processed for it, hit the 90 days and was told...Oh..you need another 90 trial period. After all that crap I'm told, oh sorry you don't qualify because of a screw up in THEIR interpretation of my income-just crap! Then told we can do an in house remod-OK. Now I'm filing BK but still trying to get the remod. I"m now told-Congratulations you qualify for the in-house remod. I say great how does that work with my BK application. They say no prob just wait till your in-house remod finalizes and you can go forward with the BK. Loan finalizes- call the BK dept. and they now tell me I'm mistaken..if I file the BK they will CANCEL the new remod terms and the loan will revert back to original loan terms! I'm sorry- am I missing somthing here besides my sanity! I'm ready to torch the house and walk. This is a crime on Citi'S part, but who is going to help me! Absolutly no one at Citi can be trusted, not ONE knows what they are talking about. I don't blame people for just walking away! I'm actually trying to save it, but I may loose it in the end.

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CitiMortgage refinance rip off

I have been in refinance with citi morgage for 4 months... Today I received a call that we are being denied because the credit card companies for two cards they asked me to close (American express and chase), will not provide a letter stating the payoff amount and the per diem. We qualified just fine... Have our current mortgage with them... Have outstanding fica scores over 700 both me and my husband, but are being denied because they credit companies won't give them the per diem. Meanwhile the credit statements reflect that I closed the cards and have the daily percentage rate but that is not good enough... They need the per diem in letter form. Now I am fighting to get my $455 back and for them to write letters to these two companies reinstating my cards. What a rip off this has been.

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Uptoherewithit
Yucaipa, US
Aug 04, 2010 10:50 am EDT

We have also been going through refinance hell with Citimortgage. Our FICA is 849 and we have been with this company for many years. On top of that, they came to us to ask if we wanted "to take advantage of a refinance at a lower rate". Now it's been 3 months and every call and email we get is for MORE information for the "underwriter". All they want is more pay stubs, more letters from employers, more "previous address information", evey home we have ever owned etc, etc. So enough is enough we have now refused to provide them with anymore information! They can approve the refi or not my payments are not that high anyway, yeah to save $200 a month would be nice, however my time is worth more, and we are tired of wasting time with "underwriters". Oh, and this is not the first time we have told a bank to "shove it!" when they used this kind of delay tactics, and really thats all this is, they are waiting for their interest rate to go down so they can make more money! We just got a call from our credit union last night asking us if we want to refinance with them for less, no points, no closing, no appraisel free, nada! Works for me!

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CitiMortgage loan modification nightmare

Upon losing my disability, and worrying that I would fall behind until my appeal case was complete I contacted citimortgage to be a "pro-active" customer. After explaining my situation to the rep. I was urged to do a loan modification.

The rep. Told me that the only way I could be approved for a loan mod. Was to stop payment for 3 months. It is important to note that when I made this call I had not been late on any payments, but wanted to maintain this mortgage, as I have fought hard for the last 8 years to improve my credit score.

I explained my concern to the representative but he assured me that the non-payments for the next 3 months were necessary for the modification, and that it was strictly an in-house procedure and would not be reported to the credit bureaus.

We received the modification, but soon found out that it was indeed reported to the credit bureaus. Our credit score dropped dramatically, and I have appealed this, called countless times, been told different excuses, and made to feel like I was lying! Citimortgage is responsible for bringing my credit score from good to poor, and I am now subjected to high interest rates when applying for credit.

I am so disgusted with citimortgage, as they have set me back to a place that will make it impossible to access another loan until 2015. We had hoped to sell our home, now we cannot. I could go on and on about this joke of a company but it has had a huge impact on my health. The reps. Lie about their names, or they have no concept or training when you are unlucky (Most times) to discuss your situation with a polite but useless operator in india. Most of the americans I have spoken with are obviously past caring about the plight of citimortgage customers and are extremely rude. There have been many times I just hang up when I hear that certain tone when our conversation starts. I don't need sarcasm in such a serious matter.

I now just want to walk away from this home and screw citimortgage! (i don't think I care any longer if my credit score drops further, as this has been an enormous stress that has taken its toll)

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princesskamy
casselberry, US
Jul 17, 2012 12:21 pm EDT
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I am in a nightmare situation with citimortgage trying to get a loan modiification that they are turning down because we cant provide a letter from social security saying how long he is going to be on disability...if he had a regular job they wouldnt be asking how long he expected to be on that job...its a nightmare nightmare nightmare and now we are probably going to lose our house now...and this all started from us asking for a 3 month deferrment while we waited for the social security to come through...thanks for nothing citimortage, .

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I Hate Citimortgage! They Suck!
New Paltz, US
Apr 02, 2011 10:20 pm EDT

We have been through the same horrific situation/experience with Citibank. They ruined our credit and have kept us in this aweful cycle of "loan modification." They give you no information and no support documentation. As a matter of fact their reps contacted us and sucked us into this bullsh&! and we were never even late on a payment, not once. In an effort to be proactive, we got scammed by Citimortgage. This sucks! All this stress, work, money, etc for nothing. We might just stop paying and wait the two years for the foreclosure and save money in the meantime for our next home. They can't do any worse to our credit so why not...

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Joannna
, US
Jun 10, 2010 9:34 am EDT
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Here is the email for Citimortgage's CEO Vikram Pandit:

Vikram.Pandit@citi.com

Also, the phone # for the executive response team:

[protected]

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CitiMortgage escrow increase for monies already collected

CitiM0rtgage notified me March 19, 2010 that there was an escrow shortage for my account, #[protected]. I challenged the shortage and resultant increase in my mortgage pament (from $1387.77 to 1471.27 or 115.64). After speaking with a customer service rep twice and faxing my challenge letter three times I was simply told that my escrow was short. Asking why, the rep read to me the Escrow Account Disclosure Staatement. Frustrated I asked why the escrow was short. My taxes and insurance Had Not changed (increased) since 2006, therefore my payment should not change.

She then asked me did I change insurance companies in 2009. After initially saying no, she said that The Hull company/USFG was changed to Kemper in 2008. Then I remembered, CitiMortgage did not pay my insurance (that had been collected for said paymenyt from escrow). CitiMortgages failure to pay my insurance resulted in cancellation of my policy through Hll. I was uninsured for nearly a month when I found this out. I immediately called CitiMortgage and demanded to know why my escrow had not paid my insurance. Their answer was vague and unconvincing and apologetic, yet they failed to get back with me with a resolution. I was forced to find a new insurance policy through my insurance broker.

As a result in CitiMortgages failure and shortcomings with regard to collection, credits, debits and disbursment of my escrow funds has resulted in double collection of funds for insurance, not to mention jeopordizing my well being and my single most valuable asset, my home and contents due to their negligence, disregard and lack of oversight in the process of standard business practices.

Note: when my mortgage was first purchased by CitiMortgage, my payment Doubled, yes doubled and that the next year, 2006, most of that increase was refunded. No explanation other than [their] increase in estimated withholding was mis-estimated. CitiMortgage, at least in my case, has a history of "mis-estimation" mis-allocation and mis-collection of escrow funds. Oh, I meant to state than my mortgsge is an FHA loan, and has never been late or in arrears at anytime since it's June 1, 2005 inception

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choochoo1
suite 405,, US
Jun 01, 2010 11:45 pm EDT

citi bank sent us a letter as of may 25th 2010, saying our mortgage payment will be $900.00 a month more, so from $1600.00 to $2500.00. that is craaaaaaaaaaaazyyyyyyy. i am planning to freaking sue them, because i read that this happened to others as well but not with this much increase. they were saying our escrow account is $7500.00 short.
can someone explain this if u have an idea?

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CitiMortgage warning: post hamp denial lies and trickery

Warning to every citimortgage homeowner who receives a hamp denial.

I was originally informed that if I were to be denied a hamp modification, the difference between my monthly hamp payments and my regular mortgage payment (Which amounted to over $4000 in my case) , would be put to the back of the loan.

The day I was called by citimortgage to be informed that I was denied my hamp modification, I was told by the representative who called me that I had to apply for an extension, in order to put my difference to the back of the loan. In order to qualify for an extension, I had to make one full month's payment to bring the account current. So I reluctantly made a full month's payment (This was april 30) and applied for the extension.

Few days later I was told I was denied the extension because the reason for the extension was not valid (The first banker wrote that it was due to a job loss). I talked to a supervisor, and he said the reason that should be put is that I had just been denied the hamp modification, so had to apply for an extension in order to put the difference to the back of the loan. In order to apply for the extension, (It was now may 2) , I had to bring the account current yet again, but making yet another months' full payment.

3 days later, I get a call from a citimortgage debt collector asking me to pay my outstanding balance. I explain that I applied for the extension, and she tells me the extension has been denied, and that she wanted to work out a payment plan for me to make another months' payment by the end of may. Citimortgage was clearly leaving hamp denied homeowners to the deep water to swim with the sharks.

Frustrated I called citimortgage yet again, only to be told that there is the ability to put the hamp difference between hamp payments and regular mortgage to the back of the loan, that it is done automatically by citimortgage if they have not heard from you for 15 days, but that because I had brought my account current, I was deemed to have automatically opted out of the program. How does this make any ###ing sense please? I was basically forced to bring my account current in order to apply for an extension to put the balance to the back of the loan, only to be then told that because I brought my account current I cannot now have the balance to be put to the back of the loan.

So guys, if you get denied hamp by citimortgage, make sure you ask for the procedure that allows you to put your outstanding balance at the back of the loan without having to apply for a silly extension that is just a mere trick by citimortgage to make you pay your past due balance while under the trial hamp!

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DBee
, US
Apr 11, 2015 1:55 pm EDT

I am not a person generally to write but I remember just months ago I was looking for help so I decided to share my story. I was down to a one person household with 3 children. I was having a hard time paying my mortgage payment. I was so depressed after multiple times of trying to reach out for help with a loan modification and I kept getting denied. My friend recommended me to thedreamfinancialcom and I am so greatful! They helped me through everything. I was so discourage and out of options but they really help. The were able to cut my payment in half. And they even sat and listen to my sob stories for hours on end. If your like me and just are not build for a lot of stress it's not worth it. Let someone else get the job down for you. Well worth it. My Counselors name was Lauren.

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Evone
Walled Lake, US
Mar 19, 2013 2:06 pm EDT

CitiMortgage operates for the benefit of CitiMortgage--they are like magicians and are 'experts' in the art of 'slight of hand', half-truths, and deception. When I make a mistake, financially, I admit it, try to correct it, and start over, but in this instance, CitiMortgage was unfair and will go on, unpunished if people don't take the RIGHT steps.

Contacting CitiMortgage will do nothing but give you more of the same: the 'run around', empty promises, excuses, etc. Contact those that have weight and power and will MAKE CitiMortgage 'come to task': contact your State Office of the Attorney General--you can complete that form online, contact the Office of Finance and Insurance Regulation--that form can also be completed online, contact the Office of the Comptroller of the Currency--can be completed online. And finally, contact your State Senator--when I spoke with OFIR (Office of Finance and Insurance Regulation), they confirmed for me and then sent a letter to me, in response to my complaints, basicaly apologizing because there is no law in place to prevent CitiMortgage from 'doing what they do', so, as long as CitiMortgage 'makes a show' of 'attempting' to help, they fall within the guidelines. Our State Senators and other governmental agencies that regulate banks/mortgage companies need to be INUNDATED with letters regarding CitiMortgage so that someone sits up and takes a REAL look at what is going on. They send these government agencies 'cleaned up' details of their interactions with us but we have the 'down and dirty' transactions between us and CitiMortgage. No one will ever know, if we don't speak on it. I know everyone is tired but try contacting the Office of the Attorney General, OFIR, the Office of the Comptroller of the Currency, and your State Senator---put action and WEIGHT behind your words. Let's get 'em! Yvonne cu7649@wayne.edu

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Lakota_2009
Atlanta, US
May 03, 2011 11:12 pm EDT
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Citimortgage are scam artist they foreclosed on my home in my dead father's name and he was never ever on my mortgage which they bought from Abn amro mortgage company the resolution department will do nothing they hired lawyers and lied to me until that very day...My american dream is gone now my kids and I have no where to go my parents are deceased and I am a single parent...They told me after I got behind a couple of months all I owed was 60, 000 so they told me to pay nothing...I was crazy to ever believe a company that kept losing my paper work so in the end they put be on a three month forebearance and took every penny that I could have moved out with...I am penniless now with no where to take my kids we have no relatives to help us nobody...I can't believe they used first federal bank as the bank that foreclosed on my dead father who died in 2000...My Dad never was on the mortgage ever can you believe they got that low...I kept in touch but you never ever talk to the same person ever except once when they were trying to get the rest of the money that I had...

I went to naca and even legal aid they jerked me around and told me to write to the attorney general but they can't take my case they are backed up...I spoke to a man in Executive resolution he told me it is too late a third party investor bought my property but I called phone calls from them up to the last second I am outraged that they people that they said would handle hamp ...I went to that page they told me it would be a fee to counsel me on how to get hamp but that it was probably way too late for my situation...I know it is too late now lost my house and they are ready to put my furnishings on the street...I got sick and my business started to go downhill from there if anybody can give me any insight into my situation let me know you can write to me at jusneenee on gmail ...Thanks God bless and be with you all I know God is definitely in control as I don't know where me and kids will go now...

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Kay Hunter
Gainesville, US
Apr 22, 2011 11:22 pm EDT
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I wish they would come to Florida

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NACA
Charlotte, US
Apr 22, 2011 8:38 pm EDT

Our SAVE THE DREAM tour will be coming to your area soon!

WHO: Homeowners from North Carolina and other states who have an unaffordable mortgage.

WHAT: 4 day FREE mortgage modification event. NACA’s Save the Dream (of Homeownership) Tour was just highlighted on 60 Minutes. The National News Magazine highlighted how NACA’s Foreclosure Prevention Event gets more than half of its attendee’s lower mortgage payments the same day, on the spot. (click here to view 60 Minutes).

WHEN: Thursday, May 12th -Sunday May 15, 2011. Doors open 8 am to 8 pm.

WHERE: Raleigh Convention Center
Exhibit Halls B & C 500 Salisbury Street, Raleigh, NC

WHY: NACA’S Save the Dream events are incredible with thousands of people having their mortgage payment permanently reduced by over $500 and many by over a $1, 000 a month often with interest rates reduced by 3% or 2% and sometimes a principal reduction. Many receive a permanent restructure the same day.

There will be hundreds of NACA counselors ready to determine an affordable mortgage payment for the borrower and hundreds of staff from all the major lenders to process and approve these solutions. NACA has legally binding contracts with all of the major lender/servicers, including Fannie Mae and Freddie Mac to make mortgages affordable. And all NACA services are FREE. The program is open to owner/occupants and non-investors.

CONTACT:
Darren Duarte [protected] dduarte@naca.com
Ricardo Herrera [protected] rherrera@naca.com
For more information and to register please visit www.naca.com or call [protected].
For any other questions, please go to our NACA forum at http://forums.naca.com/forum

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Kay Hunter
Gainesville, US
Apr 20, 2011 10:54 pm EDT
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Thanks for the info. No we aren't in foreclosure yet, they may like we are in the hamp. We are fixing to make our 3rd trial payment then they will review and supposabliy we sign the papers. Don't know and as far as God is concerned we would have never made it through what we have without him! He is indeed and awesome GOD! Thank you again for yur info and we will keep you in our prayers as we hope you will do the same for us.

God bless,
Kay

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have loss my sanity
Phoenix, US
Apr 20, 2011 1:26 pm EDT

Call NACA Kay they get results, before I went to them I've known of 5 families personally who was successful with NACA. The only reason I did not go sooner was because I have already paid $4500 to Paragon crooks and I did not want to give Citi a reason to delay citing confusion of who's representing us, so I had to give Paragon crooks their chance and allow it to play itself out if they fail to have fullfilled my part of the bargain so I could exercise that 100% money back guarantee they were offering. However, that did not do any good because they bail with people's money but it did help with the credit card co. Once i receive docs to confirm the offer placed on my web file at NACA I'll let you know but as far as I know it does include taxes and insurance because it stated PITI- Principal, Interest, Taxes, Insurance = $963.00 and I previously were paying taxes and insurance included into my mort. payment. How they did it was 40yr term@ 2% 807.66 PI-Principal/Interest and the rest consist of taxes and ins. and that is on 184, 000 principal out of 215000 previously owe to citi. some 30, 000 of that principal was postpone to a non interest incurring account to be paid in a balloon payment at the end or when we sell, also they forgave the $35, 000 worth of past due payments, escrow ( they were paying the insurance and taxes for the past 2yrs), late fees/penalties to make it work. The 56, 000 owe to the 2nd mortgage was forgiven/written-off. Info obtained from my NACA web file/ page servicer comments section and credit report. Hope my story helps and give hope to all. Do me a favor all who reads this never give up fighting and stay close to god, you will need him! Oh FYI if you do get forclosed on do not leave until the sheriff comes or the county recorder confirm the transfer out of your name, because the house next door was foreclosed and the guy and his son left but the bank kept the property in his name so not to be responsible for the cost (taxes, HOA, maintenace, etc.). All of this happened summer 2008 just before the market collaspe and I was still current on my home. I found out this info by complaining to the HOA about the weeds and holding the bank to the same standards as the other homeowners. HOA replied that it was still in the buyer's name and that the bank has not transferred it to them, so the buyer's is incurring back taxes, HOA fees, etc. and they told me when they find the buyer they will sue him and that they can't go after the bank because it is not in their name yet and not they responsibilty until they transfer the property. The bank is slow to transfer because inventory properties cut into they profits and when they find a buyer they expedite the transfer into their name and transfer it quickly into the new buyer's name. That house I am refering to sat a year before someone purchase it, think how much money the previous buyer is going to owe when they catch up to him. Yet another game they play so if I were you I would sit on that home until the sheriff comes. Then you know it has been transfered because someone's interested and a realtor need it vacant to have unlimited access. BEWARE people!

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Kay Hunter
Gainesville, US
Apr 17, 2011 7:11 pm EDT
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Does your mortgage include your taxes and home insurance? If so that amount is great for you, but not for us because we are going through the same thing and they didn't lower ours to 1762.00 from 1825.00. Please let me know?

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have loss my sanity
Phoenix, US
Apr 17, 2011 10:02 am EDT

God bless all of you, those citi crooks are going to burn in hell I assure you. Be careful out there and pray without cease. I do not know where to begin! So to make a long story short. My family, six children and I are facing foreclosure partly due to my own fault. We were financially sound a capable of paying our mortgage, entice by the moment of a possible US citizen 2nd revolution against the unfair, unjust, greedy system that mind you NEVER happened. Caught up in the moment we contacted a loan mod co. to only inquire about the possiblity of strategy default and the chances of lowering our monthly payment. Of course, they stated they can get it done for a mere $4500 and after calling the citi myself to inquire about a loan mod, prior to calling this crooked co., citi laugh at me and transfered me so others could laugh at me. I am not usually suckered easily but after citi's laugh a thon with me gave me focus. So we got in bed with this co. which never did anything, we started 9/2009, it is now april 2011 to give you a time frame. after several battles with that co. from me and others who where taken and several calls to the attorney generals office that co. close down and took off with everyone's money and is now operating in nevada. thank God I was smart enough to dispute it with my credit card co. which gave us our money back and charged it back to that co. visa account. my perfect credit history of never defaulting gone, 806 credit score gone! Did it to myself I know, listening to the wrong people. So what started out as a strategic default turn into legitimate need after losing my job in late 2010 witn twins on the way. Working with the banks myself prove to be fruitless, got appoved for a mod dropping the interest from 7.1 to 6 and only dropping payment by $10 a month due to tact on late fees/ penalties. have not paid since 9/2009 at the advice of that co. with $35000 of delinquent payments owe 269800, house worth $157000. living off of wife's income, my unemploment, food stamps, county health care recipients. I 've worked all my life, paid my taxes, never had to asked for goverment assistance. Ashamed at first but now I just see it as getting some of my tax dollars back, something to tell myself so I can hold my head high. I told citi to stuff the proposal up theirs, they came back with a forbearance offer of paying reduced payments. I always though forbearance meant no payment but interest still incur, silly me. told them to stuff that one too. had to let the home phone go due to the harassment, 25 calls in one day, isn't that illegal? after going around and around with the banks and auction date set for 3/1/2011 at the last minute they told me i was approved and they just had to verify our income that I told them over the phone, 3 weeks later was told we decline that if they where to give us 2% it would bring our payment to 700 and that's not doable and i told him it was very doable for us. he told me not for citi! they wanted to keep us paying at a certain level. more like the 1500 or above range which was what we were paying in the beginning. last effort we went to naca and discovered that our second mortgage was forgiven so all we owed was citi's 215000 portion. naca was able to get the auction date pushed back to 5/2/2011 while they work our file. after praying every hour like a muslim 4/15/2011 they approved our mod at 2% with a payment of $963.00, I'll take it. have not received docs yet so still praying it is one of their mind games and illusion, refuse to celebrate until I see the first statement. If it is true we went from $1950.00 monthly to $963.00. Pray for us.

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Kay Hunter
Gainesville, US
Jan 22, 2011 2:19 am EST
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We appled for a hamp modification in Aug, 2010. I called every week got a different story. Now they are saying they will start forclosure proceeding if we do not catch up on our mortgage. We have been making our monthly payment and it was going into an unappled funds account. When we started with this in Aug. we were only 2 months behind now they say we are 6 months behind. You get a different department and a different person with a different answer everytime. How can we get help? We don't want to loose our home.
Kay

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CitiMortgage citimortgage, inc. complaints - home modification loan

I just received a letter from Citimortgage stating that my loan is in default and I must pay $10, 803.61 including $45.01 late charges and $142.50 in delinquency related expenses. This must be paid by 06/05/10, along with any additional monthly payments and late charges that fall due. WOW. So basically I was pushed into foreclosure by Citimortgage. I been making trial loan modification payments since June of last year. Since then, I been calling and checking up on the modification. Resending paper work over and over again. Paperwork that I sent in certified mail. (They would say we had a imaging problem maybe it wasn't image correctly.) I was originally told that I was to make these trial payment for six months to prove that I can handle the modification payments . Once I proved that I could make these payment without being late, the modification will be processed, to be final. See, In the beginning we was told the we already qualified for the modification based on the bill and income that we gave to the lady over the phone . The next step was to send in paperwork that would reflect what was given over the phone. The Underwriter would verify the paperwork against the information that had been give to the modification rep in the beginning. Now they telling us that we did not qualify based on the 31% rule. But I seen on the government modification site, that the rule is from 31%-38%. 31% puts use at the monthly payment we are at now, not included the stress of the bills we currently have. I was under the impression that the 31% formula was taking in consideration potential bill a person may have. If this is the case my bills are not included. I was also under the impression that one would qualify for a modification if they could not afford there current monthly payments because of hardship. This was stated on the modification form. This is EVIL to push a person into foreclosure. Why would you do this to people.

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Dana Shafman
Dana Shafman
Scottsdale, US
Dec 02, 2014 1:03 pm EST
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Dear Karim18 and other violated CitiMortgage customers,

The actions of CitiMortgage are not only inexcusable but repulsive as they are actually causing you to fall further behind on your mortgage after simply asking to skip a payment…the exact definite of Unfair Deceptive Abusive Acts and Practices (UDAAP), which are forbidden in the industry! In my opinion, it is illegal what they have done to you and your solution should include, at a minimum, a lower rate or a principal reduction or a waiving of fees.

We routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like SPS, SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated. You CAN win this fight!

Thank you as I commend you for taking the first step in asserting your consumer and constitutional rights by complaining about the situation, both with Citi internally and beyond, in an effort to shed light on the abuse and encourage change. With that said, you have overlooked the key aspect to your fight, which is putting your objections in writing in the form of a proper QWR and attaching proof of your consumer and constitutional rights that have been violated; they have certainly been violated in this case since Citi has not only refused payment but also lied about the status of your payment, payment options, and more (FDCPA violation).

A QWR is an integral tool in getting what you desire and all of the aforementioned mortgage lending and debt collection companies MUST answer your Qualified Written Requests (QWR); if they refuse then you take your fight to all the regulatory agencies outside of Citi that assist in fighting for your rights like the CFPB; it’s a shame that these more than profitable and previously bailed-out companies engage in this type of consumer abuse.

My firm and me would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint” where we review a complaint and how to tackle it successfully.

We reviewed your complaint on the show if you would like to listen, visit www.TheDailyComplaint.com

You can learn more by visiting the CFPB's website and becoming educating about the rights afforded you under the FDCPA, Dodd-Frank and RESPA via the CFPB. Here is a link to the current rules that went effect in 2014 and stronger rules are forthcoming in 2015: http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/

In the event you have further questions, you can contact me via email or via the website or via phone (full contact information is below) as I would be more than happy to contact Citi on your behalf or with you to determine the status of your loan as well as what options exist for you as a borrower/homeowner!

Every new beginning comes from some other beginning's END

Respectfully,

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com

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Karim18
El Paso, US
Nov 13, 2014 11:47 am EST

Sorry 2013 was emergency, I typed this from my phone

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Karim18
El Paso, US
Nov 13, 2014 11:43 am EST

I had a family emergency in 2012. I was in the bi-weekly program and asked if they could suspend the one payment, due to emergency. They said I could do a stop payment and then call them to start up again. I called and was told that I would need to send in a letter asking to be placed back into the program(that I paid $300+ dollars to enter). Still no deduction, so I call again...this time I was told to send in a $10 check so they could see the account was active. I did, it was cashed and again no bi-weekly start up. Now I was like 2 and 1/2 months behind(which is odd since I was in bi-weekly which resulted in a extra payment)...now I start getting letters asking for entire owed amount. I dont have that due to being the only income in the home. I look into the loan modification...go through the entire paperwork crap. You send everything requested, but then it somehow gets lost or is missing paperwork. While going through the paperwork process, the foreclosure process is started. Now any money I want to send in is not allowed. I finally get fed up(10 months of nothing). I call and voice my displeasure with the loan modification process and how I am about to lose my home, because of their lack of honesty...boom next day(I am not kidding), I get the option to make the 3 monthly payments(which was higher than my original payment) . I make the payments and now recieve my packet. I owed $156k, now they are starting a new 30 year loan taking the fee owed from 10 months(putting it on top of 156k) making the mortgage 173k. I bought my home for 160k, its basically as if I never lived here and am buying a new home. I called all these so called help places and most can not assist because I started a modification...the system is broke and no one will help with this bs scam. I wish I never got involved with these people all they did is push me further behind on payments.

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nitrane
bay city, US
Mar 26, 2013 9:30 pm EDT

You all will be glad to know that the federal govt. Is conducting a foreclosure review. Everyone who was screwed by citi, will receive a settlement check, as well as the possibility of stopping current foreclosure, and even getting your home back. It will never compensate your losses, but it is a start.

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Paula M D
Hopatcong, US
Feb 23, 2011 2:31 pm EST

To dijmart...THANK YOU SO MUCH FOR POSTING THAT EMAIL..i sent an email this past saturday 2-19-11 and have recieved a call tues 2-22 -11 regarding my account! ANYONE WHO HAS COMPLAINTS ABOUT CITI...EMAIL THAT ADDRESS AND YOU WILL GET A RESPONSE! ...XOXO TO dijmart!

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Paula M D
Hopatcong, US
Feb 19, 2011 6:48 pm EST

My mortgage was also sold by ABN AMBRO...OMG! CITIMORTGAGE HAS GOT TO BE BY FAR THE VERY WORST MORTGAGE COMPANY EVER! they tell you they send letters and they never do. or they send it in NON CITIMORTGAGE envelopes which im sure alot of people as I did mistake it for junk mail until you open it! I cannot wait to get rid of this company because they have screwed with my mortgage soooo bad my credit is now gone! THANK YOU ABN AMBRO & CITIMORTGAGE!

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briguy333
Muskego, US
Nov 15, 2010 3:47 am EST

I am really sorry to hear all the headaches that people are having with Citi-Mortgage. As soon as the Modification was announced we called starting the looooong journey which eventually led to being accepted into the program. Along the way we experienced all the things everyone has talked about. Numerous phone calls, forms to fill out, forms lost or not entered into their system, right hand not knowing what the left is doing, etc. All I can say is DON'T GIVE UP! You have to stay on them and do everything they ask and follow up to make sure they do what they say they're going to do. When it came to the final decision we were first denied and then we we're put on hold and then, magically we were accepted. Our monthly payment was reduced by $800 which has kept us in our home for now. We had our interest lowered to 2 percent and 10 years added to our loan. Supposedly we will have $1000 taken off our principal each year if we stay in the program for 5 years. I'm sure our credit is down the toilet because of all of this. We applied for a small loan and were denied. Again if you can hang in there despite the frustrations do it, it may keep you in your home. briguy

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ComplaintagainstCiti
Stockbridge, US
Nov 02, 2010 10:44 pm EDT

Citi is a scam. I don't know if they are purposely telling lies or if they have hired minimum wage people who don't know what they are doing and are trying to have one person do the work of five people. I'm not sure what is going on but whatever is going on, it needs to be looked at quickly because people are losing, not only their homes and good credit, but their minds as well in this process. Citi is a complete JOKE. They don't need to be in business.

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TEC41180
Conyers, US
Aug 31, 2010 3:28 pm EDT

to vanessa and any others, if yo are in the georgia area and you have lost your home or have been working on your loan with citi please please email me today! I have a court hearing in the next few weeks and have filed for fraud against citi! I need your help and your information as well so we may win the war with these folks. thank you.
email me at glock41180@yahoo.com

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Joannna
, US
Jun 27, 2010 6:41 am EDT
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No problem... I posted his email on another site and a lady had received a call from the executive response team the next business day, like I did and they stopped her foreclosure and they put her on a repayment plan for what she owed from her trial mod period.

Let us know what happens!

good luck
Dijmart

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CitiMortgage home modification loan

Long story short...I took a lesser position to stay at my company and reduced my income .. March/09 phone interview with citimortage, mailed back their compleated modification package, fedex W2s faxed whatever they wanted. June/09, My wife and I "DO pre-qual for home modification" 3 month trial period and told to reduce mortage 200 less a month.I called CITI in Sept/09 asking what the status is of the loan, I was told some one would call back.Oct 09 - Dec 09 still no call but we continue to make our reduced payment on time.Jan/2010 - Apr/2010 still no call. May/5/2010.I get a call from CITI to say "oh you were declined " (back in march 2010)Now they want $4, 995.20! Plus during this whole time citi reported my payments late to the credit causing my 3 credit cards to climb one (chase) to 29.99% and I had never been late with a any payments. We have been taken and may now loose our home.David AZ
[protected]@msn.com

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chittybankassclownsmustgo
, US
Jul 15, 2011 12:21 am EDT

Exact same thing happened here. It's a god damn shame these companies cannot keep their ### straight any still make millions. The people that should be fixing these problems created by citi employees are too busy playing golf making assloads of loot for doing nothing but draining the economy and the country's money. There needs to be alot more of "you're fired" happening and alot less of "oh I'm supposed to be doing something to deserve this assload of cash?"

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Joannna
, US
Jun 10, 2010 9:43 am EDT
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Here is the email for Citimortgage's CEO Vikram Pandit:

Vikram.Pandit@citi.com

Also, the phone # for the executive response team:

[protected]

I have also had the same thing happen to me! I emailed Mr. Pandit and had someone from the executive response team call me the next day!

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mamasan1
, US
Jun 01, 2010 8:22 pm EDT

We had a similar experience with them over the cousre of the past 12 months. NO ONE EVER returned a single phone call to us. They "lost" volumes of paperwork we filled out and faxed. then mailed to them. After one year
and countless hours wasted on the phone trying to find someone at Citi that speaks english, we were told that we don't qualify for their "assistance" program becuase our loan is not in default, but we also don't qualify to refinance because we had too many late payments. YET - when our payment is 30 seconds late, they call my cell phone 5-6 times a day. they SUCK. We have filed complaints with the Better Business Bureau and the FTC.

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CitiMortgage ham program

I live in Miami, Florida and I also applied through Homeowner Modification Program a.k.a H.A.M with Citimortgage in April 2009. The Bank put me in a trial period which was supposed to last for 3 months. However, the period lasted from June 2009 until December 2009. During the trial period my mortgage payment was reduced from $3, 079.39 per month down to $2, 064.33 per month. After 3 months, Citimortgage was suppose to inform me (the homeowner) if I qualified for a permanent mortgage modification rather than being in a trial period. As previously stated, they inform me after 7 months that I did not qualify due to my equity in my home. They stated that I had enough equity in the home and that I can sell it to liquidate my mortgage in its entirety. However, I only own one house and its my primary home. I always paid on time prior to the Trial Period and during my Trial Period. I never missed a payment. In December 02, I made my December trial payment of $2, 064 and days after I received a letter from Citimortgage demanding the amount of $9, 238. This amount derived from the fact that since I did not qualify for the permanent modification, they demanded the amount of 7 months of regular payments rather than 7 months of trial payment. In other words, 7 months of regular payments totaled $3, 079.39 x 7 months= $21, 555.73. But the bank collected $14, 450.31 which derived from $2, 064.33 time 7 months=$14, 450.3 which was sufficient to cover for 4.69 months of regular payments. As such, I needed to cover for 3 more months to cover for a total 7 months I was under the Trial period. As such, per their demand letter I needed to come up with $9, 238 (to cover 3 months) within 30 days from December 02, 2009. As you can imagine, I was in shock to learn that the bank had 7 months to decide if I was going to qualify, yet I only had 30 days to give them the money before January 02, 2010. In December 2009, I became unemployed. I used to work as a Sr. Credit Analyst for a Community Bank which closed its doors in Dec. 2009. I could not pay the amount the Bank demanded in 30 days. I called Citimortgage the second week of February 2010, to pay the amount of $15, 533 according to their February statement amount only to learn that my loan was in foreclosure and that my case was handled by an outside attorney by the name of David Stern in Plantation, Florida. I learn that this attorney was being investigated by the FBI and had a bad reputation all over the [redacted]s. So I had no choice than to hire an attorney (costing more money) to fight for my case and obtain figures ASAP from the law offices of David Stern. I went to see my attorney for the first time on Feb 22, 2010. I don’t understand how this Bank took me to Foreclosure if I paid according to their Trial period Terms an amount of $2, 064 until December 2009. In February 2010 Citimortgage stated they sent me to foreclosure due to the fact that the amount of $14, 450 only covered 4 months of regular payment and as such I owe them 3 months of regular payments automatically making me 90 days delinquent. Since my career has always been in the Banking Business, they have drawn my credit down the hills by lowering my credit score by 150 points, and stating that I am currently in Foreclosure. Now I am not only in Foreclosure but can not get a job as a Credit Analyst. Their action has created a lot of damage in my family, my person and my career. I am even trying to bring my loan current and they are taking more than one month to give me pay off figures. I believe, someone needs to help homeowners like us, who applied for this program in lieu of reducing their mortgage payment only to find that their credit score decrease by more than 150, the Bank puts you in foreclosure and you now can not get a job. This is not right and I believe, Banks such as Citimortgage need to pay. By the way, my attorney told me I will most likely end up paying Citi’s attorney’s fees (Fees for Law offices of David Stern) because banks these days can do whatever they want. This is the reality of our country. Also, David Stern file foreclosure, without notifying me in writing and this is why they want me to sign a waiver of foreclosure. Is this the price to pay for applying for a loan modification? If you are interested in a Class Action Law Suit agains Citimortgage call Attorney Carlin Phillips at E-mail: [protected]@phillipsgarcia.com
Telephone (toll free): [protected], Ext. 112

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shawn seevers
Newark, US
Mar 08, 2011 10:08 am EST

my modification started in june of 2009. finally got straightened out march 4th 2011 when i sent them a check for $8900 to pay the amount behind that was there because of their B.S. loan modification.citi mortgage is the worst, most unprofessional company i've ever dealt with.i will definately refinance with someone else as soon as i get my credit back up.i hope someone is able to sue the crap out of them! a class action suit would be nice

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rp5rosie
North Dartmouth, US
Jan 10, 2011 6:13 pm EST
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Worst company ever! This is the 4th time i've tried loan modification with Citimortgage. They've lost paperwork, they've told me I was actually approved and I never got the paperwork and the deadline expired, another time the underwriters were writing up the loan and I was told it would take awhile, but when I called in to check, they said they had stopped work on it with no reason noted as to why and a new forclosure sale date was give. So, now the 4th time, I was told I could email the documents in. I did that was told it was all received and everything was there, then a couple days later I was told the docs couldn't be opened-maening the lady that said it was all there never looked at them. I then received a letter saying I had be given a months extension to get in paperwork or correct letters. When I called to check on this, I was told that they hadn't bothered to change the sale date even though now the sale date is a month before the paperwork is actually due. I asked them to put in a postponement on the sale and they say they've requested it(3times), but haven't heard back. I call and call...The sale is tomorrow and i am soooo pissed! Citi said they're waiting to hear from Fannie Mae, but I called them and they said this was up to Cite, not them! Citi told me to call the lawyers office handling the sale, so I did and they said the same thing as Fannie Mae-its up to Citi. Do they not know what they are doing there?-I am just about out of time. I was told the person in charge of my file will be calling me when she comes in, but she works the nightshift, so it'll probably be too late to do anything since the Lawyers office will be closed. i told the person I spoke to that and was told that there was nothing she could do. Maybe I can sue them for fraud or something-since I do have the letter they sent me with the month's extension...

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ArtM
, US
Oct 08, 2010 3:41 pm EDT

I having the same situation right now.

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Nelly4126
Ortonville, US
Aug 03, 2010 9:05 am EDT

I have had the same thing happen to me. I don't understand how they can get away with this. I did exactly what they told me to do and have jerked me around since day one. I'm going to write to my congressman and everyone else that will listen.

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Edith Walker
New Albany, US
Jul 07, 2010 2:26 pm EDT

I am in the same situation as you guys. Citimortgage is doing the same thing with me. we have to do something. citi should not be allowed to get away with doing this to people.

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Mr. mike
Miami, US
Jun 30, 2010 4:41 pm EDT

I started a modification almost one year ago with Citi lowering my payments from $1900 to $1150. I was never late and sent paperwork that they kept requesting evey two months. Bank statements, check stubs, tax forms etc. Each time they said I should hear soon. Today I spoke to a woman who was rude to me from the first moment I spoke to her. I was making my payment as usual and when she asked me if there was anything else she can do I said yes let me know why this process is taking over a year and is there anything to expedite it. She responded by saying that I had been denied the HAM program two months ago. Noone let me know and this is the first I had heard. I said why she said for not sending in paperwork. I said I have sent everything numerous times and that was not right. I said is there anything I can do she said " Call your congressman" I asked for her name and she refused to give it to me finally she gave me her first name. I asked to speak to a supervisor and she said thats not going to help you you are about to go into foreclosure and told me just pay 16k. I said if I had 16k laying around I would not have been in this situation. I finally got annoyed and ended the call. This whole program is bull and gets people in a worse situation then they were in to begin with. I guess I know have to hire an attorney and start the process all over again.

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bluemug
San Jose, US
May 15, 2010 10:59 pm EDT

This is what happened to me:
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In April 2009 I lost my job. I informed Citimortgage right away about my difficult. After making the regular payment for two more months, I was not able to keep that anymore. Citimortgage advised me to apply for their HAM program (loan modification program), which I did.

I was told that I would be put on a trial period for three months. During this trial period, they would lower my payment amount from my regular amount of $2660 to $1223. I was told that if I made all trial payments, they would make it permanent. I started to make the trial payment in September 2009, as they requested. During the trial period, I submitted all the documents they requested. Every month I called in to check my status, only to be told that they were still reviewing the completeness of my profile. I faxed in form 4056EZ four times, only because they couldn't finish the review and the form only gave them one month's authorization to pull my tax record. Between September 2009 and April 2010, I made countless phone calls to Citimortgage only to find out the review progress was still in progress. I thought they were indeed helping many people like me who are in difficult situation and seeking help from them. But I was wrong. After 7 long months, they finally sent the whole package to their underwriting team for the final review. It only took the underwriting team less than a week to deny my case (on 3/26/2010). After that, Citimortgage kept sending me letters requesting me to pay $22, 942 plus some late charge fees. I was totally shocked and deeply depressed. I tried my best to work with Citimortgage hoping that the HAM program would assist me during this difficult time. The whole family cut the expense to the bare minimum in order to keep the trial payment. Meanwhile, I have been looking for a new job. Apparently, Citimorgage care about none of that. They only care about collecting as much money from me as possible. At the same time, they trashed my credit score.

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bluemug
San Jose, US
May 15, 2010 9:35 pm EDT

Hi Carivos,

I thought I was the only one who experienced this ordeal with Citimortgage. Looks like I am wrong. Now I am convinced that this HAM program was designed to destroy people in difficult situation, not to help them. I think we should file a class action law suit against them to bring these vampires to justice.

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hannab
South Lake , US
Apr 22, 2010 6:34 pm EDT

Hi Carivos, I am in the exact same situation as you — pretty much in every step! I have never missed a payment, never been late and had a stellar credit score of over 800 when I applied for HAM with CitiMortgage in August. Last week, after processing my application for 8.5 months, I found out that they had thrown out my application due to me not sending in some papers that they had requested. I complained and said that I have sent in every document they have requested and gave them dates I sent papers in and what was sent in and to where. CitiMortgage is now "investigating" my complaint to see if they will be able to reinstate my application again. They are supposed to let me know in the next day or so. I don't have very high hopes as they are investigating themselves and we can all guess who will be in the wrong...

Anyway, if they insist on throwing out my application, not only do I owe them the difference between my regular payment and the required trial period payment of $13, 700 (and yes, I have 2 weeks to come up with that amount), they also have trashed my credit score, which currently are down 200 points.

I just don't understand how this can go on. It is obvious that the banks aren't even a little bit interested in actually approving anyone for the HAM program. If they were, they would approve people as soon as they've checked that they are eligible.

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CitiMortgage ripoff #s

Citi Mortgage customer service is the worst in the world. You can be transfered to several different people and all are incompetent! After signing up for a loan modification to help us keep our home these ###s ruined my credit! I had never been late with any of my accounts in the last 12 years and have made my test payments on time. I asked no less than four times if this would adversly affect my credit and was told no, it would show as credit neutral. What a bunch of liars!
So, I contested my credit report that was showing 90 days late and after talking to CITI they updated my account to 180 days late. These scammers have been putting me off for over six months now on my modification. I dont know if it s going to be approved or not. There is not one person at CITI that can tell me anything. I think they just make up a bunch of ### to tell people. Two people at CITI can not tell you the same thing. These CITI creeps were the first to ask for bailout money after their prediator lending practices almost bankrupted this country, now they will steal more from the country by collecting more loan fee's without actually helping anyone. What a despicable company! May CITI go under and all their exec's rot in hell!

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Vic Peed
, US
Jan 13, 2011 3:44 pm EST
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Is there a class action suit for Citimortgage?

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Vic Peed
, US
Jan 13, 2011 3:42 pm EST
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They are doing the same thing to me, is there any that can be done?
V Peed

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CITI Hater
Punta Gorda, US
May 05, 2010 9:09 pm EDT

I had the same thing happen to me. Citi LIED and LIED and LEID some more. Everything has been a big lie. I specifically asked the bimbett who took the information for a "Loan Modification" if I should continue making my normal mortgage payment. She replied no, just send the new amount I have told you. It will be on your documents that you will receive in a few days. I asked again... should I make my normal payment... she said no. Just pay the amount we ask. Once we see if you can pay this amount your loan will be modified with a lower mortgage rate. I asked what rate, she replied 2%. It didn’t make sense to me but none of these Government assistance programs do! Then I asked her what happens after the 4 months of the reduced mortgage payments. She answered. You will receive new mortgage papers to sign. After 6 months IU received a phone call at about 8:00 pm and the gentleman said my mortgage is seriously delinquent and unless I bring it current within a few days it will go into foreclosure. I said wait, I was processed for a loan modification and was told to wait for documents. He said no, you did not qualify for loan modification. I asked when was this decision made and by whom? He said it was not his department all his job was to collect the past due amount. Yes, they ruined my credit and have affected my business relationship with vendors. This has caused much stress and embarrassment with fellow workers. After talking to another department at CITI the person agreed 100% with me that I was misled by employees of CITI but to protect his job he just could not put that in writing, however he would work through their departments to rectify my credit status as long as I made up the past due amount, which I did in 3 days.
A month has gone by and I have not seen or heard of anyone working on or fixing my credit file. I THINK I HAVE BEEN HAD BY A SWEAT TALKKING CITI WORKER. You just can't trust these people or the company.(CITIMORTGAGE) I'm willing to put up some money and get a good class action attorney to review our claims and file a huge class action lawsuit. Remember they got @ 75 billion to do loan modifications for those that cannot afford their current mortgage or their property suffered a substantial decrease in value. (Thanks Barney Frank). If you want to join with me on exploring a class action please write to RAY at this address ray@vetcorp.com There’s strength in numbers. Thank you.. May the Exec's at CITI sleep very badly every night for the rest of their lives!

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CitiMortgage gave wrong information to client

Been trying to work with Citimortgage to try to get a short sale approved for my house. My husband lost his job due to CHF and they have given me wrong information since day one. Everytime I call there I talk with a different person and the information is never the same. They tell me that person shouldn't have told me that. Well they work for you so how do I know what is the truth or not. They told me I had to be 3 months behind before I could even be considered doing a short sale. Now, the next person I spoke to says that is incorrect. I just don't know what to do when all they want to do is lie to me. We are a single income family with medical bills out the cazoo and I am doing the best thing I can. It's not like we wanted this to happen.

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DaveEichner
Lewisburg, US
Apr 09, 2010 11:10 pm EDT

I am going through the same with CitiMortgage I was paying and paying and paying to catch up but they just kept saying that I was still behind. I settled for an in lieu of sale back to Citi and they keep on stalling. This company is a fraud outfit and needs to be closed down by the Government. My interest was so high that all of my payments were going to the interest ONLY. That is why I was always behind, they are theives and everyone involved with them is paying OTA and there is no way out as I am seeing now.

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CitiMortgage loan modification program - lack of follow through

I have been working with CitiBank since January of 2017 to modify my loan. I have submitted my paperwork with them twice and we are now in April and have yet to get a response from them. I keep being told that all the paperwork is submitted and each representative keeps telling me to call back and that it will be going to the underwriter in 10 days. They also continue to tell me that they can't really do anything for me except to continue to call.

I called a manager today and her response was "I see that you have been calling, I also know that your documentation is complete, not sure what else I can do for you except to have you call again"

This has been a very frustrating process. CitiBank "tells you that if you submit all your paperwork it should only take about 30 days" I am not sure what the goverment is doing to ensure that Banks are actually following through. But they continue to delay and make up excuses while my family struggles on the other end.

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Wes422011
Bastrop, US
Jul 28, 2011 7:23 pm EDT

Where to start, we purchased a new home in Jan. of 2017 and the loan was sold to Citi Mortgage. At the time we received a 6% interest rate and thought that was great. As time went on our mortgage payment kept rising and I was shocked because we got a 30 year fixed FHA loan. Anyway Oct. 2017 I got furloughed from my jobe due to the "economy meltdown" and was out of work for 2 years.

Now, what makes this so interesting is that Citi allowed me to stay in this house for all that time and not until March of 2017 did they start working on a loan modification. I was still unemployed and I told Citi that I was going back to work in 3 months per my job, Union Pacific RailRoad. They told me that I had to sign the paper work now or they would not do a loan modification. Once I got back to work I was already 3 months past due and I tried to make the payments to catch up but couldn't.

The loan that was modifide, took my balance from $147K to $190. They gave me an interest rate of 5.75% but took all past dues, legal fees, admin fees, and all other charges and rolled them into the loan. I felt trapped because like I said, I was not working, I had no job and I had to keep a roof over my families head.
I applied for a short sale and they said yes and after my realtor came out and took pictures and put the house on the market, TWO WEEKS LATER MY REALTOR RECEIVED AN EMAIL SAYING THE SHORT SALE IS CANCELED AND THE HOUSE WILL GO TO FORECLOSURE SALE THE NEXT DAY AT 9 AM. I only found out because my realtor called me while I was out of town at work.

Now, that's been about 5 months ago and I contacted them to see if Citi would be willing to work something out. I received an email from a customer care rep. who gave me a series of numbers that did not work and I ended up leaving messages for a lady who worked with a collections law firm for Citi. THE NEXT DAY THE COUNTY SHERIFF'S OFFICES DELIVERED EVICTION PAPERS. I have a court date set for Aug. 4th @ 1:30 pm.

No one will touch me now as far as buying any kind of home and rent me anything without asking for a crazy amonut of money. I really hate corporate America as they have proven that they will sale their souls for money and don't care who they hurt in the process.

Damn them all to hell.

Wesley W., Texas

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greg19_19
Portland, US
May 05, 2010 10:11 pm EDT

Ii was working on a refinance with citi mortgage. I was just trying to see what kind of deal I could get from them and I decided not to go through them. I also have a citi credit card which mysteriously showed a application fee for 550.00 dollars on my account. This was an unauthorized charge. And since it was there credit card you cant even disaprove with the charge. Have tried to talk to them but all they care about is charging people for talking to them. What really stinks about this company is the fact that they were bailed out by our government in the billions and all they can do is find underhanded ways to cheat people!

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Linda Young
Saint Albans, US
Jan 16, 2009 3:40 pm EST

How does this mortgage company get by with sending my personal information to India ? I resent the fact that my address, phone number, social security number and acess to my credit report is being put in the hands of someone in another country. Who is to say that these people could not sale my information to anyone else. What does this say about a company who is either too lazy or trying to save a few dollars by hiring untrained and unprofessional and under paid civilians in another country! Shame on you Citi-do you ever stop to think that you are putting your customers possibly in harms way by exposing us to possible fraud by information that could be put into the wrong hands? I hope I can find a way to put a stop to this practice by contacting our reps in Washington-there has to be a law somewhere that would prohibit you from releasing your customers personal information.
You also need more training so that all of your employees can be on the same page. We can make arrangements with one rep on one day-several days later-another rep talks with you and knows nothing about it-this goes on all the time-can you train your people to take notes and post them to the accounts? Its really a simple procedure. You need to get your act togeather-no wonder you are losing so much money-if you get a bailout-spend the money on more training and hire people in THIS country to answer the phones after hours and on week-ends-I'm sure with the unemployment rate so high-you can find employees who speak English-and that we feel more comfortable with -I DO NOT WANT MY IFORMATION FLOATING AROUND IN OTHER COUNTRIES!

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sgtbenda
ludowici, US
Feb 15, 2009 5:49 pm EST

I have repeatedly contacted city mortgage Customer service and faxed a letter to the inquiry department about the harassing phone calls about my account the account is up to date yet I get up 30 phone calls a month regarding the account all attempts resolve this situation has failed.
I have been told to talk to your refinance department about this issue and have been met with a representative who was nasty and very rude on the phone I can not under stand why this is continuing on my account or treated in such a manner it has never been over 30 days late I pay on line and all fees your company has added.
Again I am requesting in writing as to why you are doing this to a account that has been paid and meets all requirements of the loan. I
Sincerely
Larry

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kelly adragna
, US
Jan 15, 2010 9:57 am EST
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Me TOO! Citi Mortage took me exactly the same way took over 7 months over 6000 back pay I was denied I am in a worse off position than before. They also lied to the credit bureau this should be illegal and stated I paid my mortgage late 3 times. Which not one payment ever sent was late. These people need to be stopped. Maybe not paying them will get their attention and then I will be approved for the modification.

I honestly feel like selling everything I own in this house and just leaving it it is not worth what I owe and it is falling apart let them get stuck with it. They will not be able to sell it.

I work so hard for me and my daughter and this is how my country pays us back no healthcare also scams, no college tuition we need to pay this (with some financial aid help but not enough).What we get is taxed more than any other country when you figure we pay taxes on the same money over and over again. and we get nothing in return.

What do we get for our tax dollars that we do pay not even safe travel.

Obama may have meant well but his modification bill put more people in worse off positions than they were before.
Sorry Obama but you failed here.

All we do in this country is worry about health care bills, college tuition, paying our mortgage, the crappy streets we have to drive on, you have to worry when you die. You can not even die in peace here with some dignity.

Kelly

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Jones2121
, SA
Mar 09, 2012 4:51 pm EST
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The claim that an affair is good is just dumb. If you are single and date a married person you will end up with a broken heart. If the person is not willing to leave their spouse first, they do not intend to leave. Would you really want someone who cheats on their spouse?

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mensch gordon
Long Beach, US
Aug 05, 2011 1:10 pm EDT
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the whole story isnt explained..you would do the same thing in wes's situation..values are dropping and banks are willing to make deals to avoid foreclosures

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mensch gordon
Long Beach, US
Aug 05, 2011 3:33 am EDT
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hopefully wes all will be good in the end..but how did your payment go up on a fixed rate loan..also, if you read my comment i didnt talk smack to you at all..i tried to understand the situation from both sides..thats why im called mensch..im a caring, nice, individual

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Wes422011
Bastrop, US
Aug 05, 2011 2:01 am EDT

Well just so you people know, the judge granted me my house and ordered the mortgage company to do a new loan at market price today. My court date was today and in addition to that she dismissed the forclosure eviction. There were several things found that was either not done or done the wrong way. Meltdown, HA...I'm so freakin' good right now. Just people understand this, I reserve the right to talk smack to anyone who talks it to me. If you want a good clean conversation, speak to people the way you would want to be spoken to.

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Wes422011
Bastrop, US
Aug 05, 2011 1:54 am EDT

Like 123321 said, it's a freakin' scam. I get that crap all the time via email and I just delete it. You can't hold Walmart responsible for something that, they have never come out and endorsed any of that stuff. If you need a better understanding, go to your local Walmart and speak with the store director or store manager so that you understand that you have been SCAMMED.

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CitiMortgage - home modification loan

I applied for a loan modification with Citimortgage in July 2009 after my husband was laid off for almost two years. Today is now March 15th, 2010 and we still have no resolution for our modification. We entered into forberance for a short time where we made partial payments and were told that the modification would be processed within 30 days and we could...

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CitiMortgage house fire didn't stop payment now in foreclosure

My house burned on Feb 1 2009, Called insurance company, citimortgage. According to insurance company and Citimortgage my mortgage payment would stop until final inspection to move back in. I finially got my first 1/3 of insurance money which of cousre as you know has to go to Citimortgage, to start the rebuilding of my 80% loss of my house. I hired contractor and 1 month into rebuilding I get a letter from Citimortgage that my house is going into foreclosure the sell date is March 3rd. Now they have froze all insurance money and tell me I need 20, 000 dollars to catch up my mortgage or it will be sold. I was told by citimortgage that claims department didn't tell the finance department that my house burned and now I cant get an answer from anyone not even the Lawyer Citimortgage told me to call. So please tell me what I'm suppose to do they still have my money to rebuild and won't even talk to me.

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AugustP
Suitland, US
Jun 04, 2010 1:14 pm EDT

Get yourself a GOOD lawyer. CitiMortgage isn't going to help if you dont have someone on your side that can force their hand.

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