CitiMortgage

It's time to file a federal complaint against Citi. Go to the website of the Comptroller of the Currency and of the FTC; both have complaint forms. Visit the website of your Secretary of State; there should be resources there to report mortgage fraud. That's what this is - FRAUD. Before you start on the forms, write out a simplified timeline of what happened to you - it will make filling out the forms easier. Citi doesn't care if we sue them; they have dozens of attorneys on staff. What they DON'T want is to have to defend countless federal complaints. Make the effort, and make Citi pay!

Has anyone had anything resolved from Citi? I have the same problem...it has been going on for 2 years... I am now so stressed out and on stress meds...My house note has Doubled because of this Tax issue and Citi just paying...
Help!

I am having the very same issue right now. I cannot get anyone to help me! What do we do? Where do we go? Citimortgage paid a tax that was not even for my property and it was 3 times what my normal tax will be. The County is suppose to be sending them the portion back that was over paid however, what am I suppose to do in the mean time? Who can afford a $2000 house payment in which they went up on due to the erroneous tax payment. I have gotten a lawyer involved and that doesn't seem to make a difference. I cannot get past a customer service representative to speak to anyone in authority...What are we to do?

I agree with you.Bought my house 8 months ago with a fixed APR for 30 years...I just found out that in this month they increased my escrow by $700.00 dollars and they do not why! They told me that it was because when they appraised my house they made a mistake and appraised it for less when they should have done it for more. Now my payment is high and I can't get a person to help me.

we wnt through this same thing. husband lost job could not make payments, tried for help and got nowhere. making homes afforable, every progam available, with no help at all. we want to keep our home, please. agree to help somehow. we live on social security now both of us retited because we are disabled. we have tried paying so much a month for a few months they told us we do not make enough to pay for house. we are willing to pay something, if we have some money to live on and for utilities.

I had the same experience with them... payments returned and being referred to their lawyer (as if they dont have any control over what the lawyer is doing).

Having been forced to fall behind in my payments due to a hardship, I applied for HAMP from Citi. I was promised the resolution in 30 days. It has now been three years and still no resolution. In fact my payments have been increased two fold by CitiMortgage.

I have complied with all the required submissions and now have recived a notification that the attorneys are selling my home at auction in 60mdays. I have not received a judgement or anything other than a letter from the attorneys.

can someone please help?

John Dale
[protected]

CitiMortgage is the worst company I have ever dealt with.

They have had me behind for months when I am current. When I get a job the first thing I will do is refinance with someone else. This is the most unprofessional company I ever had to deal with.

I too have been harassed by Citi Morgage. They informed me in August that my taxes were delinguent. The taxes in Bibb County are due in two equal payments on Oct.15 and Nov.15. Therefore how could they be late? Well, It did not stop here. I contined to get letters and I continued to talk to the customer service dept. Finally in January I was informed That I had been set up on a mandatory escrow . I am 79 years old and had my daughter take me to the tax office. I gave permission for the kind lady, Mrs.Renfroe to talk with someone from Citi Bank. She explained to them that My taxes were never late. She let them know Bibb county due dates. Needless to say Citi morg had sent a check paying my already paid tax bill. WHAT A MESS? At this time I can not get an apology out of Citi Bank . They are still referring to my taxes as extremely Delinquit. SOMEBODY PLEASE help Me!

This is not legal advice, and I am not acting as anyone's attorney. Here is what I would do in this situation:

If CitiMortgage is calling my cell phone:

1. I would mail CitiMortgage a certified return receipt letter and inform them that I am revoking consent for them to call my cell phone. When the return receipt card comes back to me, I would save it along with a copy of the letter.

2. Check to see if it is legal to record telephone conversations in my state. If it is, purchase a recording device and begin to record all calls, especially the early portion of the call when the recording asks me to hold for a representative. There is no need to stay on the line after recording that part of the call.

3. Take photos of my phone CallerID, showing date/time of each call.

4. Keep logs of the calls, times/dates.

The above is what an attorney can use to help me sue for the caller violating the Telephone Consumer Protection Act, which provides for $500 to $1, 500 for each call made to my cell phone after I revoke consent with the letter described in #1.

This only applies to cell phones. I might also be able to sue them for invasion of privacy or infliction of emotional distress, if the calls were frequent enough, even if they were only made to my home phone.

No one is allowed to legally harass me by calling me a dozen times per day. Owing someone money does not allow them to harass me.

I've finally had enough. I googled citibank and harrasment and this is the first place I found. I don't have to even explain the problem because it is the exact problem listed so many time here before. I have always paid my bills and never miss a payment yet they feel they have to call me constantly even after the payment is made. Count me in on any class action lawsuits or movements to criminalize Citibank. They have lost one great customer... me. I will pay off the measly loan soon then they will never have me as a customer again.

I just emailed this to Citibank...

YOU ARE IN VIOLATION of the Fair Debt Collection Practices Act!
Stop calling me when payment has been made! AND IS NOT LATE!

See #5
U. S. Fair Debt Collection Practices § 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller's identity.

I too have had a CitiBank mortgage for four years. They have ALWAYS received my payment within the grace period, and I have ALWAYS paid from $20 to $180 EXTRA toward my principal amount. And yet today, they call me at my desk at work, with a number of coworkers within earshot, and they ask me when they can expect my payment, and how much I will be paying. They also wanted my email address and my cell number. I told them I don't have a cell phone, but that I would let them know when I have one. (Just how stupid do they think we are?)

Unfortunately my original mortgage was sold to CitiBank, so I have had no choice but to do business with these people. But believe me, I am going to double or quadruple my payment pay off this mortage as quickly as possible to keep them from making money off the interest, and I will NEVER DO BUSINESS AGAIN WITH CITIBANK.

Surely the name "Sanjiv Das" must translate to "Ebenezer Scrooge". I pity everyone who falls into their trap.

OMG I thought we were the only ones! Like there was some sort of glitch in the system. Our payment is due on the 7th, with a 15 day grace period making it due no later than the 22nd and I have it set up through THEIR website to pay automatically on the 15th YET they still call and harass! We have excellent credit and we have never, ever been late with a payment. I think they are bullying us into not taking advantage of the grace period because they know we can actually pay it "early" if we wanted to...I'm not giving in. They can continue to wait for their payment. I would LOVE to see a class action law suit against Citi.

Everyone, please make sure you file your complaint. I think if the number is overwhelming it think something may happen.

same experience here, with different citimortgage personnel. i also thought it would be simpler to just refinance with citibank since they were my current mortgage company, but i've been waiting since dec. 26 2008 for my refinance to get finished; in the meantime, of course, i could have accepted better offers. i've had to fax in paperwork more than once, phone calls go unanswered and unreturned; i'm about to just write off my $500 application fee. i've wasted more than that on having to pay my old monthly mortgage instead of a refinanced one for an unnecessary four months.

I would jump at the chance to join a Complaint against Citi-Bank. They are crooks of the first order. I pay periodically throughout the month on my small mortgage with them. I live near a CB "banking" site and walk in my final payment each month near the deadline date, to make any remainder payment in cash. I save the receipts due to past bad experiences with them in making cash payments.
They have begun to refuse to accept my final payment of the month, as it is less than the mortgage payment, because I have already paid the rest of it previously that month.
For example, through another bank, I make about 2 payments of several hundred on my mortgage each month and then walk in a final payment at the end of my payment period. These 3 payments either equal my mortgage or are slightly more than my mortgage payment.
I have begun asking them for a writing refusing to accept my payment.
Now they are saying I have an escrow account attached to my mort. for property taxes, BUT I pay my own property taxes and have checked with the County. The County says I have paid my taxes and on time. They said about 5 mths ago they received a check from CB for my taxes and that they immediately returned that check.
I have spoken with CB and notified them of their error and now they are saying my mortgage payment in full, is in a side account and my payment is late, because I have not paid the escrow amount.
On top of all this, the new manager at the bank has physically threatened me when I was attempting to make my payment, which they were refusing to accept. I was irritated, but never raised my voice and the clerk and I were doing fine together.
Additionally, when you log out of CB online banking you are not actually logged out! There is a minor inconsequential question after you log out, like, do you want to go paperless. If you ignore that question and move on to another website, you can hit the Back button and you will be in your CB account. Anyone can get into your CB acct for about 20 minutes, at which time the system finally closes it. I have complained about this to them for years, but they don't care.
This bank is a joke. They do not seem to understand the most basic things about banking or accounting.
Sign me up for lawsuits against these crooks.

I have had the same problem since august of O8 they keep putting my payment in escrow and then when i go to make the next months payment they would tell me that i am not current and that i am a month behind I DONT EVEN HAVE AN ESCROW ACCOUNT! and i would spend all day long on the trying to get the mess fixed and they would pass me from person to person and every person i talked to told me something different heck one day i spoke with twenty people and each one of them told me something different not one person told me the same thing twice . I also got ID numbers and names of every one i spoke with it still didnt help and as of march of this year i filed bankrupsy chapter 13 just so i could hold on to my home and i have only been in it for six months and citimortgage has tried to change terms of the loan by upping my mortgage payment and saying they are paying my land taxes and home insurance . I have been doing that all along myself ! What gives

I am going through the same things as mentioned above. My mortgage was okay until May, 2010. Up until May, my payment was $912 a month. I was late sending in the May payment. They rec'd $950 on June 6. On June 1st, my payment increased from $912 to $982. So, they didn't apply my $950 payment to May, as they said it was not the entire payment. Instead my payment went into a "unapplied fund" account. I sent $1, 000 in July and another $1, 000 in August. Actually thinking that I was paying more than was due! HOWEVER, my payments for three months of $2, 950 are all sitting in this "unapplied fund" account. AND, this week I rec'd a letter from their attorney that my house is in foreclosure! I have called Citimortgage numerous times. Yes, they agree that this should never have happened... however, they can't do anything and I cannot get through to the Foreclosure Department. HELP!

This is happening to me. In the past two months, I have attempted to submit 4 separate payments through the citimortgage website. In each case, the payment was noted with a confirmation email. In each case, I received an additional notice a week later stating that the payment had been returned. But the money was available in my checking account, and my bank shows no record of a request for the funds!

This is not an error in entry of my checking account or routing number. 3 of these payments were submitted using account information already stored with Citimortgage, which had been used successfully in the past. The 4th payment was submitted while I was on the phone with my bank, and I confirmed my checking account numbers twice.

I have been charged $250 per month by citimortgage for fees and penalties. I am being harassed by phone 3 times per day. My credit score has dropped by 150 points because of the resulting late payment status on my mortgage account. I am now seeking a lawyer to help me address this.

I also have a problem with Citi...I have been making my current loan mod payments...out of the clear blue I get a foreclosure
letter...the funny thing is...my home burned down in Feb 2010...Yes let's give the banks more American money to party on
why not...? They really seem to know what they are doing...Remember this ask the bank to produce the NOTE...chances are...they do not have it...espicially if your loan has been sold more than once...mine...5 times...
Let's do a class action lawsuit against Citi...a bank that services Freddie Mac...

Would love to be involved in any class action suits...check out our blog post about our situation! It's a mess! http://www.themommymentor.com/?p=677

same problem

My husband and I had a similiar problem where they did not apply my payments and refused to correct the matter until we involved a lawyer.

My mortgage also was bought out from ABN Amro. This is what I went through. You have to be tough with them. I am still struggling with them, but there are some helpful hints in here as far as getting supervisors and such. I am on the phone with Citimortgage right now. I had applied for a loan modification. Was turned down and then they apparently approved me without notification so when my payments arrived they just put them in Unapplied funds. I just found out by accident they hadn't applied them. I have spent 2 hours today getting my funds reapplied correctly and my late fee waived and making sure that they didn't affect my credit report. It has been a 6 month nightmare dealing with them. It has ben so bad that I put my entire phone log from Jan 29 to June 10th I believe up on the CNN mortgage blog. And I have about another page more of phone numbers. Make sure each time you talk with someone you ask for their ID number. At least then you know who told you what. I also make it very clear every time I talk to them and take their ID that I have been keeping a log and posting it on the CNN site. Just insist on a supervisor and keep taking names. Eventually you do get one. You have to be downright sarcastic but it does work. I've spoken to 3 just today. Finally they have fixed thsi months payment but I am not optimistic about not going through this every month from here on out. Keep a log of every phone call and what was said, time, date, name of employee and ID. I don't know how I am going to get someones attention at Citimortgage but I am going to try to get someones name that I can report this to along with finding a banking commission or someone else that oversees them. There has to be someone!

My parents have their payment made by their CPA on the15th of each month. Citi is saying the May payment is late and there is a late fee. That check has cleared the bank. They paid the late fee and it has cleared the bank. They now will not process the June payment until the late fee has posted. They are holding out so that the May payment will be late thus another late fee. They had no problem until Citi took over their loan.

We agree with you completely on the Citi Mortgage NIGHTMARE... and to think our government bailed them out with our money is even more frustrating. We have been going through the modification paperwork only to find a big IF you qualify after making your 3 months of trial period payments on time. Then there is no promise that your payments won't be higher then they were before the modification...what modification. I have been reading through all the complaints about Citi Mortgage and I can't believe that they get away with this kind of nonscence. They also want to escrow in our taxes and ins. with our payment and to be honest...they can't even take care of our mortgage let alone the taxes and ins. It is obvious that someone in higher places then us little homeowners needs to do something about this problem that we are ALL having with them. Minnesota Stressed

Have you goin in person and talked to someone to get this mass cleaned up once and for all? I dont understand why they are doing this to you. You have to fight them, there must be some kind of mistake. Good lucy too you. Keep me posted on what you do and when you get it done.

Raluca Elena Saturn

I received an insurance check made out to me and CitiMortgage for loss of my roof and other hail damage which occurred in July, 2011. They have delayed and stone walled with paper work, many different answers, inspections, outright lies, and everything that happens requires 3-7 business days. They are in fact delaying payments because every day they have all this money is another day for them to collect interest from your money. AND THEY HAVE A JOB BECAUSE OF OUR TAXES. IT IS THE WORST CUSTOMER SERVICE I HAVE EXPERIENCED. I HAVE PAYED FOR THE ROOF AND OTHER REPAIRS, AND YET THEY REFUSE TO RELEASE THE MONEY. I had the same problem with them in 2009, and did not get a check for over 6 months. I am contacting my Senator and my Representative. I want to know which Federal agency has oversight on a company that the American Taxpayer had to bailout, and one which is an "International financial conglomerate" according to their own website.

I have a similar problem with CityMortgage. I started my claim in July of 2009 and as of today, December 8, 2009 the contractor who roofed my house and the painting company who painted my house after a major hail storm have still not been paid. It is almost laughable because each time I call them they say that they need another paper which they say they do not have. These are papers I have already sent them, and of which I have a copy. They keep asking for small changes to be made and the papers sent again on the pages they do have.

I feel sorry for my contractors because they have done the work expecting to get paid, and the mortgage company refuses to pay them. In this case, the mortgage company does not even need to send me money, just pay the contractor...yet they stall and delay.

Very unfortunate situation! If there is an option out there to NOT use CityMortgage, I highly recommend you look there first.

Check out this free service

www.myrecoveryresolution.com

they handle the checks and you don't have to call the mortgage company once!

I live in Houston as well and I have been given no help from this group of [censored] bags. Prior to my claim check arriving I called and was told that they would only pay half out on the first draw. That did not cover the cost of the roof and as a contractor and inspector I put it on the back burner till I could get my company back together. When I did send them the check with a letter bagging for the total cost of the roof I was told that after completion of my roof that they would pay out the rest and we would be done... I later received a call from my insurance company telling me that they had tried to get the check cut directly to them.

Today I was told that in five to seven day I could expect a call from the inspector to set up am appointment to look at my roof. I fund this over the top and asked to speak with a supervisor. I was told that I had only called in 5 times prior and that he did not feel I was receiving poor service. After reading others I can say he was right about that. They then told me that the job was not 95% complete and that the inspector would have to let then know what was done. Now for the good part… I can ask for an other exception for some more founds (maybe I will get the money? Maybe I will not). I pointed out that I paid for this insurance and after checking with the insurance company I was told there is no law requiring the check to be made out to both party’s
I have had it with this company… I plan to file complaints with the BBB… and write the state about this... This is un-real.

i can copy jane j's comments to the letter and be writing about my experience. i would also like to file a bad faith claim against crummymortgage. any help out there?

My experience has been EXACTLY the same. In December I was required to forward my endorsed insurance check from damanges due to Hurricane Ike to them, which they have held since then. I have complied with every form, every requirement, and they have continued to either require additional documentation (the roofer's proposal then became a "signed" contract with both our signatures); they denied a signed form because I forgot to enter the date, then never bothered to inform me that the process had stopped because of that. I have kept a massive journal of the phone calls and supervisors I have spoken with. I was told that as soon as the inspection and repairs (all of which were completed weeks ago) were complete, the funds would be released, and that a check would be issued to both the roofing company and me to endorse, and I assume the remaining balance to me (I had already done the repairs with my own money, had their inspector verify that 95% of the work was complete, another requirement to release the funds), overnighted. As of last Friday (March 13) I was told that the claim was complete but that it would take 3-5 more working days to process (that's what they call overnight?), then sent out FedEx, meaning as early as yesterday, or as late as tomorrow. This morning, after calling to check on the progress, I am told that the claim was approved 3/13, sent to accounting in Maryland, cut on 3/17 and has to be sent back to the Ohio claims office for MORE approval, and hopefully FedExed then, and it could be next week before it is received. In my furor, I forgot to ask why they are only referencing ONE check. I asked the supervisor to please personally follow up to make sure it is not held up again, and she offered to call me as soon as it is overnighted. Big help. It's misleading, fraudulent and bordering on criminal. I have yet to have a conversation in which more delay, more processing, more forms, and more requirements are not the case. This is a HORRIBLE HORRIBLE company and I would like to be a part of any lawsuit or complaints to the FTC, for what it's worth.

I had this issue in 2008 and CitiMortgage is attempting to force flood insurance again at the end 2014, due in January 2015.. I also have a letter from FEMA and CitiMortgage agreeing that I am not in a flood zone. Is anyone else getting these letters again from CitiMortgage again?

This company's customer service line is the absolute worst. I have tried to speak to someone about signatures that were forged on a recent mortgage re-modification but I was transfered 6 times and each time the person was ruder than the previous person. None of the 6 gave me any kind of customer satisfaction. I guess they don't acre whether they are getting my money illegally, just as long as they are getting it. Just another scam. Thanks Citi-Mortgage!

I had the same issue with Bank of America. Every year I would have to fax documents about 5 to 6 times every year and be on the phone for hours until months later they would finnaly get my flood insurance squared away. Just to find out I would have to do it again year after year. I finally got a LOMA (Letter of Map Amendment) which will cost you around $300 dollars (for a Proffesional engineer land surveyor) and a little running around town to get some local maps. But its was worth the $600 flood insurance bill I had to pay every year, every since they decided to triple my coverage! I believe the banks and flood insurance companies have come up with a good scam to empty the home owners pockets legally?!

Wellsville, get your property off FEMA. It's not that expensive. You get a survey, send it into FEMA. they remove you. Here's a response from another forum:
/URL removed/

In case you haven't already, this issue does not get resolved unless you apply for this Letter of Map Amendment from FEMA. You have the biggest headache out of the way (the elevation certificate), so file this with FEMA and you should get an answer back within two months. The surveyor is not liable if your property is flood damaged; the lender is. If Citimortgage has any question about whether its collateral is at risk, it will protect its investments until a higher authority (in this case FEMA) states flood insurance is unnecessary. Many surveyors also incorrectly state the flood risk of the property. Also, once you get this LOMA, speak with the insurance company about getting reimbursed for some of your premiums paid.

Finally, a WYO policy will be cheaper than the force-placed policy from your lender. They are required to rate to the maximum risk. Your agent should write a policy matching the lender's finding until a LOMA is produced. This is all covered in the Mandatory Purchasing Guidelines that lenders follow.

http://www.fema.gov/library/viewRecord.do?id=2954

I have my mortgage with Citi. It is not by Choice, my mortgage was bought by them. Well anyhow long story short, my flood insurance was at 52, 000 of coverage, the house is only assesed for 47, 500. This insurance has been inplaced since i purchased the house in 1994. Citi made me increase my flood insurance to 140, 000, which by far is way to much for flood insrance. The only thing that it covers is water clean up, and the furnace if it is in the basement, and it has to be documented that the river is what flood my home, it cannot be back up of ground water that caused it, which in the area that I live in is going to be what happens anyhow, the river is over 1/2 mile away, and will never back up to my house. But from the flood of 1972 FEMA came in and said that the property that I now own is in flood zone A. but my backdoor neighbor is not, they are in flood zone B and do not have to carry flood insurance. and that house is with in 50 feet of my house and the land is flat. I did call Senators office, and they said if I want to hire a survey crew and do the paper work with FEMA I could possible get my home removed from the flood zone. Like i really have the money to do that, not. I also did ask them if they have the right to set the amount of flood insurance on a home and they said that there really is not Federal law under FEMA that limits them to the min amount, but they can set there own guide lines for the amount that you must carry, up to 250, 000 is the max flood insurance that you can have. Now Citi has increased my mortgage to the point that my escrow account is 2 times what my actual morgtage payment is. My wife and I talked, and decided that we must either sell the house, or try to find a mortgage company with different guide lines for flood insurance. I cannot afford this much each month, the thing about it, is that citi does not even get any of that money for the flood insurance because the rates are set by FEMA and all of the money goes to them, because I got my extra insurance though my private insurance company. If anyone knows any federal laws or state laws for New York that can limit this from happening please post a blog here I will be checking back, and if I learn more I will post again

Wellsville NY

I am searching for a mortgage to turn my HEL into a fixed rate mortgage. I have looked @ BOA, BankAtlantic and Citibank. They all pretty much the same, but when I googled problems with each one of those banks, they ALL have compliants in the hundreds. Any suggestions?

Having the exact same problem with citimortgage. How do we get help?

We have just joined the Citimortgage Flood insurance scam group (victims)...policy charges just quadrupled. Low loan balance (45, 000), no real problems for years with them, and bang! here they come with this.

I've been reading now lots of accounts of very similar circumstances...but no mention of recourse taken, solutions found/made.

Any advice to the best course to get these criminals off our backs? It's frightening, as it seems they're capable of doing a lot of damage.

Citimortgage did the same thing to us. We pay our own taxes and insurance. We had $170, 000 in flood insurance on a house worth $125, 000 (by County tax appraisal) and a loan balance of $30, 000. They insisted we raise our insurance to $225, 000, but with two hurricanes in the Gulf, one right after the other, there was no way to increase insurance amount. Citimortgage took out a separate polity and is still trying to get us to pay the $72 in premiums. We have refused to pay the additional escrow amount each month, so they count our payment late each month and have threatened to return our payments until we pay the $72. The next thing will probably be an attempt to foreclose...

I also had problems with Citimortgage they returned checks to me saying that that account did not exsist so and that my named did not either so I would use my social security and that also came up non exsisting .For over a year I dealt with this problem I spoke to various of people on the phone and all from different states and none of them could get the problem solve I have been with this company for only four years and it has been nothing but problems I did not exsist for over a year and know all of a sudden they get a big chunk of change from the government and know I exsist and my house went into forclosure I have had medical problems I have a brain tumor and MY partner went through quadruple bypass surgery a couple of years ago, this problems with citimortygage do not help our physical problems we have a daughter who is 9years old she is seeing all the stress that we are going through someone needs to do something about this .

I have an ins check to fix the roof on my house.. I have to send it to citi mort ..but because I am in bankrupcy and its not on the house I have to down load some papers off this site to send in with the check Then the check is going to be held for a while until approved by someone? I cant find the forms on this site that they want.. does anyone know how to find them? I need help..

we to have never been late, spent 75 min on phone trying to resolve it I asked that a copy of my conversation be sent to me after the 4th person a Nicki employee # nl86247 did I get some place I said these calls started after I had asked about refinancing with them she slipped up and said that triggered the calls I responded you are profiling me because I asked for a lower rate she became quiet I said maybe congress will like this I told her to be sure our taped conversation to be sent to me she said they do not send copies of calls I said we will ask for the tape in a discovery motion for 24 mo my payments have been made eft on the 13th of the mo just like it was with AB Amro were my mortgage started we all need to come together and make congress stop all companies from doing this Larry

These guys are HORRIBLE. I will NEVER have any dealings with any branch of Citi as long as I live...and I intend to close my Bank of America accounts as well. I've been out of work since Jan 1...this is the first month that I haven't been able to make my payment - 3 DAYS after my payment was due, the phone started ringing and hasn't stopped! Multiple hangups...calling at all hours...just had another call today (SUNDAY!) and another hangup. Nice that they disturb my Sunday with a hangup. Thing that infuriates me is that I have been COMPETELY upfront from the beginning - told them that I am out of work, don't know when (or if) I can make the payment - I'm trying the best I can. You would think with that info, they would call off the dogs, at least for a week or so...the phone RINGS and RINGS and RINGS and RINGS. Like they're expecting the story to change 40 minutes later. Then give me the BS line that "they can't stop the automated system". BULL! Someone designed and maintains the system...FIX IT! Give me a break...I'm not even 30 days behind. Can't wait to see what happens with these jokers then. I'm going to complain to the FTC, FCC, Atty General and anyone else that will listen. This is nothing more than HARRASSMENT. I wish I could find a lawyer to go after these vampires.

Same problem here! They are driving me nuts. Half the time the recorded message hangs up on me, like they know they shouldn't be calling. I have called customer service several times, one person said the phone calls would stop, yet after 4 calls, I had to call again to complain. I was told there was nothing they could do. I am currenltly trying to refi out of Citi - I can't stand it anymore. Go bother someone who has had a late payment and leave the good customers alone!

Same here. Citimortgage constantly calls us, even though the payments are not late. Plus the try to over charge us for escrows. They have sent me an escrow notice stating my payments are going up effective April 1st by $110.00. My insurance increased by $13.00 a year and my real estate taxes have not increased. How can my payments go up by $110.00 a month for a $13.00 year increase? This is similar to what they did last year and it took me 6 months to get it straight. I have asked to opt out of the escrows - but I have yet to receive a phone call regarding this option. We shall see.

I've been with this mortgage company for years and they sent me information about lowering my interest rate. I called them and went ahead and applied for the loan. At the time, speaking with the representative he basically told me there would be no problem lowereing the rate. He also ask if I wanted to apply for a credit card with no interest, so I did and recieved a card. I then recieved a denial on my Refi loan, which costs $415. I have never been late or missed a payment, so I called and basically told them I thought this was a scam to get $415 to make for the loan they recieved from the government. It just seems strange to get denied for a lower rate but at the same time get approved for a credit card. I would not recommend this mortgage company to anyone. They didn't even try to explain themselves. Shame on them!

Spent 2 hours on the phone trying make an arrangement for payment of interest only.
FIRST representative said I could make the payment of principal and interest and not escrow IF I made it immediately and with a $25 dollar fee.

SECOND representative Could not understand a word they said.

FINALLY got hold of collections and was told that the information that I had received about a short payment was not correct and that they had no provisions for paying in this manner.

I decided to send the payment late, big mistake, they have been calling daily about it and at one time suggested we send a POST dated check so that it wold show that we payed on time. I'm sorry but I don't think that is legal and not very professional on their part to even suggest it.

Didn't the federal government just give them billions of dollars and look at the way that they choose to treat people

I was just informed by CitiBank that my mortgage is going to be serviced by a bank I have never heard of. This seemed to come out of the blue but made sense later. I had to send an insurance check for them to endorse. It was for water damage and repairs. The check was sent off but took almost a month to get the check back. First of all I have no idea why they need to sign off on a check when they do not pay the insurance. I pay it through an escrow account, but it is still my money. When I called to find out the status of the check I was told by the service representative he could not answer my question because he was not able to contact the Insurance Division. So here you have a multi-million dollar company (bail-out money?) where one Division can not communicate with another. The representative also lied to me stating he told my wife about the status of the check. it is a lie because 1) it never happened 2) it didn't happen because they would not give her any information because she is not the primary on the mortgage. So I proceeded to rip this guy a "new one", then ripped his boss a "new one". I get the check back a few days after the heated phone call, then I receive a notice they have sold my mortgage shortly after the phone call complaint. very little information was provided about the new bank. The bad part about this is just before receiving the "notice" i had to send a second reimbursement check for endorsement. Yes I was angry, mostly because no one knew what was going on and they can not communicate with each other. Maybe I will be better off. If I am not mistaken CitiBank took a bail-out. There company moto must be the best customer is no customer at all.

Reading the complaints about Citimortgage and my own experience convinces me to move forward with a reverse mortgage on my home. It's not my preferred solution, but removes my property from any association with this company.

Like many of you, I lost my job at the end of 2017. I owe about 40% of the value of my home even in these hard times. I made a good living and chose an accelerated mortgage schedule 6 years ago resulting in large payments, but less than 15 years to pay. My bank of many years arranged the loan and Citimortgage acquired it about 3 years ago.

I am completely current on my payments and could remain so for about a year, but then all my cash would be gone and I'm 62 with little hope of employment at that age. I'm familiar with the government plans to help homeowners. As a result of those programs, I found that my mortgage was a Freddie Mac and called to inquire about options. Citimortgage's customer service person descended into a "yes it us --- no it isn't" exchange while my laptop was connected to the site that clearly showed that my loan was Freddie Mac. When I finally convinced him to look it up, his reply was "so what, we don't have to offer you anything."

The US Government circumvented our tax dollars earned now and in the future through generations of my descendants to guarantee hundreds of millions of dollars in bonuses to the CEO and others of Citimortgage like the one that I had a conversation with. I will be happy when not one penny more of my money supports this company and hope that our government or others of passionate disgust with this corporation destroy it and render sterile its very existence.

Where do you start with this place? Two years ago I took out a
fixed rate mort. with a local company they sold it to citimort.
and my headaches began I have been through trying to understand the employees. Loss litigations you name it all to no avail they do not write anything in their computer when they tell you something. My mort. payment went from 710.00 a mo. to 850.00 with no explaination we finally are so fed up we put the house on the market now they tell me they will defer payments until the sale except the girl that told me that never wrote it down and I did get one wonderful girl Nicole who appeared to want to help she found the first girl but she is in Costa Rico my house is in TN gee don't get that! but she said "I'll call you as soon as I reach her and settle this" well it's 3 weeks now so I call today to speak to cust. service my payment is behind so I can't talk to anyone but collections they will not transfer or help you with another number the girl I spoke to would only tell me her name was Heather she got VERY rude and hung up on me well I'm about to loose my house and she hung up on me! This company is by far the worst I have ever seen. I can't get another mortgage because they didn't defer they marked me late and now my credit is bad. So I guess real soon we will be living in my car. and Citimortgage will have my house.

My husband got laid off and we are having trouble our mortgage payment and have called for 3 months and have gotten no help so far. Everytime we call we get india which they can barely speak english and have no clue how to help us. We are hardworking americans and are trying to keep our house but are getting nowhere with citimortgage! You see people that don;t care and are just walking away from their homes and here we just trying to do our best and the right thing and are getting nowhere. You keep hearing how the government is giving citimortgage all kinds of money for bailout and how they are suppose to be helping the working class - this is a joke and where is all the money going - my guess is to the people that don;t need it and are getting richer off of us tax payers. Basically who cares about the working class people! This has been so stressful for my husband and myself that it is starting to affect our health! Once again who out there basically cares. Why even bother to do the right thing because we are getting nowhere. What happened to caring about the american people! Who are these people from india and why are they answering american phone calls for help! Why would they care about us! Somebody out there better start sticking up for the american people before we are all destroyed.

I had called to make a change to our home owners ins and was told I was not able to make any change that I was not on the account I told my husband and he called citimortgage and told them to put my name on this account so that I could make any changes that we saw fit and we were told they would send a paper for him to sign to update our information and never received anything and when we call we better have at least a hour or two to be on the phone and we have two homes and the one is with another company and we never had an trouble with them if anything were to happen to my husband then what I could to nothing with this account ? This is crazzy! We need this fixed and citimortgage doze not care.

I started the same thing with CitiMortgage back in April 2017. I actually thought they cared, because I too was one of those that cared about her credit. I had lost my husband of 20 years to cancer and was left raising 4 sons on my own, with two being in college. I called Citi and was told they couldn't help me because I was current on my payments and had never missed one. So I fell hook line and sinker when they told me, we could help IF we put you on a Forebearance Plan for 3 months at a 20% reduction in my monthly payment and change the due date of my loan by 25 days and take a relook in August. But by the way, don't pay attention to that park where it asks for the balloon payment at the end and your credit won't be affected. I was thrilled! Here I am in September and have never received not one call from them...I called them every day/week up until August and to this date, have never received a call from the Loss Mitigation Dept or my counselor. BUT I sure have from collections, even on Sundays. I have gone thru every single scenario from people on this site. All I can say is CITIMORTGAGE YOU ARE CROOKS AND COULD GIVE OR CARE ABOUT ANY OF US. SEE MICHAEL MOORE'S MOVIE AND YOU WILL UNDERSTAND! Who ever that person is on this site from CitiMortgage is PAID to monitor this site I guaranteed you, because WHY, if she supposedly works so many hours would you want to come home to read this and you have children and are a single parent? SHAME ON CITIMORTGAGE FOR DOING THIS TO PEOPLE! I have cried so hard that I don't know what to do. I ended up with heart palpations and ulcers. I have decided to not fight this any longer and have just stopped making payments. My sons need their only parent and I need my sanity to go on.

We sold a rehab house on Aug 5th of 2017. Citimorgage had bought the Mortgage. At the end of August we got a collection call demanding a mortgage payment and in September another. Citimortgage lost a Check from closeing for $122, 000.00 dollars. They signed for it and then asked our Title company for another. The title company sent another check which they refused to accept. They wanted intrest for the missing check time, the check they admitted to loseing. They then put 2 late mortgage payments on our credit. We now have the government regulatory commision involved. Today in the middle of all their stupitity and dispite our undisputable evidence we got a letter saying they just can't help us. The letter is unsigned. Dispite our plees it seems no has even looked at our situation for more then a few seconds. This $122, 000.00 check was not the only one they lost but it is the only one we can prove. Even the title company laughed when they heard this story. I'm not laughing. Stephen Brockman

In Sept.2017 the heat and air system went out and needed replacing and with winter coming there was no choice. The company that carried the insurance on the unit was a total failure so we asked for assistance from Citimortgage. We did all of the paper work, faxed it and began to call after a week or so to see what was happening. NOTHING! Collections has hounded us as much as 8 times in one day as early as 7:48 AM until 8:41 PM. We have been assigned a councelor, one Eric Barnes, but we still haven't heard from him. Our account was not supposed to be turned over to the credit bureau as deliquent but it has been, the company that installed the heat and air system pulled our compressor because in December a creep named John called from Citimortgage and made horrible threats and called us terrible things for not making our payment so we made it. We could not afford to make the payment on the house and the heat unit so the compressor was removed until such time we could pay for it. Because the house got so cold we had water pipes break and the basement flooded and I lost one of my cats because she couldn't handle the cold. I personally have spent almost a month in bed because the cold gave me pneumonia and the Arthritis in my spine has acted up so bad that I can only walk from the bed to the bathroom and then I can't pull the toilet paper off of the roll as my hands are swolen to badly to close my fingers enough to pull off a piece. Still no call from Eric Barnes but dozens of them from collections and a credit score that will never allow us to buy another house, car or anything. To top it off our daughter needs another student loan so she can go for another semester of college. FAT CHANCE OF THAT. She's 18 and will have her Associates after this semester, she's an honor student with a major in Psychology and a minor in criminal justice. She wants to work with the FBI. Citimortgage is just a dream of a mortgage company. We've gotten a dozen lies and promises from everyone we have talked to at Citimortgage but the records have nothing in writing and there is no help coming from Citimortgage, only lies and grief.

citimortgage needs some good lawer to go in and file one hell a suit because they are screwing people royally and our goverment is letting them get away with it.

we have our property threw citimortgage and i got sick and had to retire so we lost my income, so we couldnt make our payments and their wanting to see us in court.they gave us the run around and we faxed paperwork and paperwork but it was always not enough so now thier wanting it.

We have our current mortgage with Citmortgage. I called about refinancing. They sent all the paperwork then we decided not to go forward. The paperwork clearly stated if they did not hear from us by July 11th, 2012, they would not proceed any further with the loan. On July 13th, I got a call from a local appraiser saying she wanted to set up an appointment. I told her we decided not to refinance. She said she would notify the powers that be. That same day we get an email from the loan processor needing more documentation. I emailed her back and copied the man I orginally spoke to on the phone and told them we were not proceeding. I found out today that on that same day, July 13, 2012, they charged my credit card $470.50. Now we will have to try and play the game you all are playing and get that charge removed. Wish I had seen this page before I called Citimortgage. Has anyone had any luck in getting the credit card charges removed?

Same problem here. Had my mortgage with them for eight years or so and decided to refi. Only asking to finance less than 1/2 of appraised value and they are dragging us through the mud. Close to saying "K...M.A.." but it pisses me off that they took my money and it appears they don't want customers with 750 to 800 credit scores. DO NOT USE THESE PEOPLE FOR A LOAN, YOU WILL GET THE RUN-AROUND AND MOST LIKELY SCREWED.

You all are correct, this is a scam. I too currently have Citimortgage, theyhave been holding my loan for over two years and decided to refinance with them. My credit report averaged around 800 and my income was more than sufficient. And on top of that the house appraised at more than two times the loan request amount in Oct 2009. I got the same run around and poor customer service, Talk about no risk, I agree with all the others if you are trying to be smart about your finances and do the right thing by dropping the PMI cost and lowering you interest rate CitMortgage has no problem taking your appraisal money and making money on that transaction. If CitiMortgage does not make good on this Refinance I will be cutting up my credit card with them and telling others to ditch them fast, also I encourage all of you to file complaints with your State Attorney Generals Office.

Same problem Citi is totally screwing us around with our refi. Going on 90 plus days now. Just called again today to the customer service line (because our loan rep never answers or replies to my email except to say its still in underwriting) they tell me finally that and underwriter has reviewed our loan and we are going to have to drop $4, 300 to refinance due to our appraisal not being 80% of our loan amount. This is complete BS. Originally I was told they only needed a exterior appraisal. Of course this changed at some point so we set up an appointment to have an appraiser come out to have him call the next day and tell me our appraisal had been cancelled. Call Citi on Monday to ask what is going on and of course no one knows why and blame it on the appraiser. Citi then sets us up with a new appraiser to come out different than the man we have used in the past. He is in and out of our house in less than 15 minutes. I know the value of homes has dropped in the last year but he appraised our home for more than $30, 000 less than in Sept of 2008. They have put us off so long I could have gone with the company I used last time to refi took 2 weeks paid a bit more but what I have paid extra in our higher mortgage amount would have already made up for the extra fee. They put you off cause they dont really want you to get that better rate they want that higher payment from you. The only ones that are getting the service there are not their current customers they are only interested in bringing in new clients that they can screw over. I want to report this problem so others know. Just not sure who to report it to other than emailing our local television station. Just got a call from a supervisor with Citi and the reason our refi came back so low is due to the comparables that the appraiser used when appraising our home meaning the other homes he also looked at and what they sold for brought the value of our home down. What the, the houses he compaired ours to were 500 sq feet smaller and over 10 years older than our home. So if I want to contest it I have to come up with some comparables on my own. I have to do this all on my own and submit it, now how much you wanna bet they will still deny the comparables I send in. So frustraiting!

I am going through a refinancing process with CitiMortage through a mortgage broker to get a lower rate. Our credit is excellent, we have equity on the house that's 2 times more than the mortgage refinancing amount. All in all we pose no financial risk to any banks or lenders and they are giving us hell. Everyday there is a different document they ask for. Our rate lock expires in 3 days and they haven't schedule a closing date although they approved our mortgage 10 days ago. I agee, we as taxpayers should demand that these incompetent SOB pay back every cent of the bail out money that comes from your and my paychecks.

Welcome to my world. Citi Mortgage (CitiMortgage) has had our loan for more than 9 years, and we've never been late on a single payment. We've been getting the refi run-around for well more than 3 months. If it weren't for already paying them, their waiving of some closing fees, and a good appraisal, I would have dumped these S.O.B.s long ago! Shame on you, Citimortgage, Citibank, and Citicorp!

What a scam! I applied over the phone to refinance and was told everything looked good, our credit was good, etc. Since appraisers are now chosen randomly to decrease potential for over appraisals, we got a young woman who must not have known the area because she appraised us so low my heart came to a stop when I saw it. We tried to appeal it based on an appraisal from a year earlier that was $75, 000 more, but we were ignored. We then received a denial letter stating that our appraisal is too low and our credit isn't good enough! What? Our credit is fine. I began to wonder why they would want to refinance us when we pay every month ON TIME and we pay a high interest rate! I am beginning to think the only ones who are getting deals now are the ones who are heading into foreclosure and have not been paying their mortgage at all!

I have been trying to refinance since May 2009 and it is now September 2009. My summer was also spent sending them documents that were previously lost, paying more fees, listening to lame excuses and "not my job" lingo. My application fee was $450.00. Everyone in this blog has a different amount.? This is a scam. I was supposed to finally close in 2 days only to have something else go wrong that I will deal with on the next business day. Now they say I need $3000 more at closing for something that was never quoted to me before. I would also like to complain to someone. Scam, Scam, Scam...

I went through the modification process and was denied because, "they could not find an affordable solution". Any solution would be better than the current one. I believe their programs are a scam to make the Government believe that they are trying to help people.

I am having problems with Citi Mortgage too. In December 2009 I signed an application online for a mortgage relief assistance. I was suppossed to receive a copy of these loan documents in the mail and I was suppossed to receive coupon books from CENLAR, which the payments would start 07/2010 to CENLAR. I never received the coupon books. In the meantime I filed Chapter 13 Bankruptcy in 4/2011. I have missed one payment from 5/10 to the present yet according to Citi Mortgage in their request for Relief From Stay I haven't made payments since December 2010. Compleltey false! I have been in dispute with Citi Mortgage over two payments that I sent in last year using money orders as I no longer have a bank account. Theyare not crediting those two payments and cannot account for that money. Thank goodness for receipts! I will present my receipts to the judge whenever a hearing is actually scheduled but they are not honest and I am wondering if Citi Mortgage or CENLAR actually holds the mortgage loan at this time.

I do have a similar story...I applied for a loan mod in January 2008. I repeatedly asked if this move would destroy my credit, the woman I spoke w/ Diane, said NO. My credit would only look bad for the first few months but once (if) the Mod went through, it would be as if I never did anything to "hurt" my credit. I ask OVER and OVER "ARE YOU SURE!" because I did not want to ruin my credit. Diane assured me that that would not be the case. I had informed Citimortgage that my company was going through changes and although I COULD afford my mortgage (and probably could for the next few months) things were headed for a change and i would be losing at least 1, 300 a month due to these changes. She said she understood and I felt she was simpathetic to my problem. I wrote my letter, as I was advised, telling my story of hardship and sent it out right away. I received a call two months later letting me know that I qualified for a Home Loan Modificaion. Diane then asked, " So, what can you pay a month?" I informed her of my situation and told her that I was being proactive but I could still make my mortgage payment but probably wouldnt be able to in the next 3 months...She said, "So...if you give me an amount we can work with it..." I did not understand what she meant? Did she want me to "pick" my mortrgage price? I said, "Well we can afford 1, 500.00 a month? " She said, "OH! well would you say 1, 000.00 would be appropiate?" Hmmmm...well yah Diane, huh? What are you talking about if I said 1500 then of course 1000 will work. I got off the phone I told my husband, "WOW, I think I just got coached!?!" Well, that was just the beginning of a total nightmare that almost cost me a marriage, a baby, and my mind. For TWO YEARS, July of 2010 to be exact, is when I was notified that my loan mod was accepted...this was after a TWO years of lost papers, check stubs, current check stubs, and current current check stubs. FYI to Citimortgage...if you give check stubs and I call... and YOU keep telling me to call back in a week, and I do...then you say you need more current check stubs, I send them...then call back... and when I do you say that those stubs arent current...well DUH! I guss I just need to buld a time machine to go in the future you idiots! Maybe if you would check the stubs when I send them and stop telling me I need to give you the info that, Oh WOW you already had, but the last person that checked my file said I hadnt...ARRRRGH! Seriously people, The last 3 months was people @ Citi telling me that things were going to the "Review" dept. and to call back in 7 days...when I did that they would say that I needed this document, or that check stub...IT WAS UNDER REVIEW FOR 3 MONTHS! One day I came home from work exhausted and crying and told my husband, "Screw it! I dont care if we lose this house. We fight all the time and have spent more money at Postal Annex than this house is worth! Eventually the clouds parted and we did FINALLY get the text that the loan mod was going through. Well now we do pay 500.00 less but our credit report says that we are over 90 days late on a motgage payment...WE NEVER MISSED A PAYMENT! WE PAYED WHAT CITI BANK TOLD US TO! WE COULD'VE PAYED MORE AND THEIR COMPANY SAID NO...how is that fair?

You are absolutely correct. After an agreed upon deferred payment plan with the CitiMortgage department misleadingly called the Home Retention Unit in Rocky Hill, Ct. I was lead to believe my Mortgage would be modified in one of several different plans underway. This was based upon information I gave to CitMortgage when I entered into that agreement. I was told to pay $1080.00 per month instead of my usual $2290 at the end of the month for 6 months and then after August (the 6th month) my loan would be modified in one of several ways increasing the length of the loan, refinancing etc. I was told that they were unsure how this would go since they themselves were just becoming familiar with plans initiated by President Obama. I was concerned about the ever rising tab I was building but they told me I was in the same boat as thousands of others, and that because of the vast amounts of cases they were handling the paperwork was on a long delay. They kept mentioning a "package" that I would be receiving in the mail sometime after August. That time frame came and went and the payment plan was extended from September and on each month through December. I was told month after Month the package was to be mailed to me but was delayed or unexpectedly lost in the system etc. I was reassured each month that I was in the same situation as thousands of others. Then one day in December I was told that Home Retention Unit was no longer in charge of my file. It was now in the hands of Loss Mitigation Unit and the calm reassurance was over. In January I was told that the "package" I had been waiting for all this time was a down-loadable file called the "Customer Hardship Assistance Package" I was told to complete it ASAP which I did. I faxed the 10 page (with supporting Data) file back to Loss Mitigation and after a few days they called me back again to verify a few items on the list. I was put on hold and 5 minutes later I was told I was not a candidate for the Obama plan modification or any other plan for that matter. By now since the start of the agreement in April I was 10 months behind on my mortgage and would need to send them a check for $22, 724.60 immediately. If that wasn't possible the deficit could be repaid over one year along with my usual mortgage payment of $2209.00. The monthly payment on the deficit would be an additional $1894.00 per month for 12 months. This would come out to $4103.00 per month for 12 months. When I asked if this could be spread over a longer time frame I got the "I'll ask my supervisor" and "No, that is not possible" 1 minute later. When Citibank was in trouble they got a far more sensitive response from the US Government. I realize where I went wrong in handling my finances that I had taken on too much debt because I had always been able to consolidate it by refinancing with the ever increasing equity in my home. I was an idiot but one of millions of idiots who didn't think it would end. The people who refinanced just before the crash all are different than me only in the pure luck of getting in before the sky fell. I realize that another group of people are doing alright because they showed the restraint to live within their budget, bravo to them but the economy ran at full rpms on the sub-group I was in or we wouldn't have gotten into this trouble. I can't see the logic of the banks who provided the loans and the needed their own loans to recover now acting judgmentally towards the people who took them up on the loans the offered so freely. I'm not asking for a handout just a reasonable term or arrangement that would repay my loans and not leave the bank with another foreclosure that benefits no one.

I HAVE HAD A HORRIFIC TIME DEALING WITH THE CEO, AN APPOINTED PERSON DUE TO MY COMPLAINT, THE ESCROW AND LOSS MIT. DEPTS. NONE OF THEIR STORIES ARE TRUE OR
CONSISTENT! THIS IS SEVEN MONTHS OF CONFUSION AND DISAPPOINTMENT AND THEIR
DEMANDING MONEY CONSTANTLY, NOT APPLYING THE MONEY PROPERLY, NOT ALLOWING
ME TO SEE WHAT I AM BEING CHARGED FOR (I.E. $15/MO. FOR DRIVE BY'S), REFUSING TO
APPLY MY MONTHLY PAYMENTS TO MY MORTGAGE, HOLDING AS MUCH AS $7, 200 IN A
"HOLDING ACCT" USING MY MONEY FOR FREE...AND CLAIMING I HAVE NOT PAID MY PAYMENTS TO ALL THE CREDIT UNIONS, PROMISING TO DO THE LOAN MODIFICATION WHEN THEY HAD NO INTENTION OF PUTTING IT THROUGH, DOUBLE TALKING AND LYING TO YOU!

I HAVE HAD IT! I HAVE ANOTHER LOAN FROM THEM, PERFECTLY FINE! THIS LOAN ABOVE...

I REQUESTED THE TAXES IN AN ESCROW ACCT. THE PROBLEMS BEGAN THERE! ESCROW CHARGES ARE WAY ABOVE WHAT THE TAXES ARE. THEY CLAIM MY $2, 106 PYMT IS NOW $2, 700! NO
CLEAR EXPLANATION. I WOULD NOT TAKE ONE OF THEIR MODIFICATIONS NOW THAT I KNOW
WHAT THEY ARE PULLING ON THE PUBLIC, IF MY LIFE DEPENDED ON IT! THEY ARE CLEARLY
IN TROUBLE FINANCIALLY AND WANT US TO PAY FOR IT! I HAVE CANCELLED MY 20 YR OLD
CITIBANK CARD THAT HAS A LOW BALANCE, SINCE THEY ARE GOUGING US FOR 15-25%!

IT IS NOT NEW NEWS, THAT CITIBANK GROUP, WHO TOOK THE BAILOUT, CAN'T PAY IT BACK!

I INHERITED CITIMTG. WHO TOOK OVER ABN-AMRO, WHOM I HAD NO PROBLEMS WITH. I OWN
FOUR HOMES AND NONE OF THEM...HAVE I EVER HAD A PROBLEM WITH. I HAD A GOOD CREDIT RATING UNTIL I ASKED FOR A MODIFICATION. THEY SEEM TO THINK THEY CAN CHARGE THE WORLD
AND THREATEN YOU WITH ...ALL THE FEES...IF YOU DON'T CONTINUE IN THEIR BOGUS PROGRAM! WHEN ARE WE GOING TO STAND UP TO THESE LEGALESE THIEVES AND DEMAND
OUR FINANCIAL RIGHTS AND NOT...THE "O" PROGRAM THAT ISN'T WORKING AND NEVER WAS
FOR THE MAJORITY OF THE PEOPLE.

WE THE PEOPLE...NEED TO GET OUR RIGHTS BACK...FINANCIAL AND OTHERWISE AND STOP
BEING BULLIED BY THESE WEALTHY THIEVES WITH NO GOOD INTENTIONS BUT TO ROB US, RUIN OUR CREDIT AND TRY TO STEAL OUR HOMES!
THIS IS AN OUTRAGE AND OUR GOVERNMENT AND SENATORS SHOULD NOT ALLOW IT!

WHEN I ASK FOR DOCUMENTATION, I GET NONE. WHEN I SENT IN A LARGE PRINCIPAL PAYMENT
FOR THE OTHER HOME MTG I HAVE WITH THEM, THEY IMMEDIATELY SWITCHED THAT PAYMENT
TO THE MODIFICATION LOAN PROGRAM AND NOW THEY ARE DEMANDING ANOTHER $9, 000
ONE MONTH LATER! LIARS AND THIEVES! NO STRAIGHT ANSWERS. JUST BITS AND PIECES TO
FIGURE OUT WHAT THEY ARE TRYING TO DO TO ALL OF US. NO PROBLEMS UNTIL I ASKED FOR AN
"ESCROW ACCT. FOR MY TAXES". I ALSO GOT THE "JUST THREE MONTHS PROMISE AND ALL WILL
BE FINE" SEEMS THEY ARE READING THIS OFF A SHEET TO ALL OF US!

WE ARE ALL IN THE SAME STEW KETTLE; HOWEVER, I AM TIRED OF ALL THE LONG PHONE CALLS,
LIES, UNKEPT PROMISES, FILLING OUT PAPERS (FOR WHAT?), AND BEING THREATENED MONTHLY
AND EVEN HUD REP TOLD ME "ALL THEY WANT IS YOUR MONEY!" SHE ALSO SAID MOST OF HER
CLIENTS WERE NOT GETTING THE MODIFICATION EITHER, TAKING OVER EIGHT MONTHS.

I FOR ONE CANNOT GO ON WITH THREATS, AGGREVATION, AND NOT KNOWING WHAT OR WHERE
THEY ARE HIDING MY MONEY, WHILE THEY RUIN MY CREDIT! PLEASE FEEL FREE TO CONTACT ME AND DON'T BE SURPRISED IF YOU SEE ME TALKING TO SENATORS OR ON TV FIGHTING FOR ALL OUR
LEGAL AND FINANCIAL RIGHTS TO KEEP OUR HOMES AND CREDIT IN TACT! ETARBET@GMAIL.COM
READY TO DO SOMETHING SOON BEFORE THE

Just went through a home modification due to the loss of my job . I submitted the hardship paperwork back in September of 2008. I had only missed two payments but needed help catching up. Citimortgage lost my paperwork the first time. I then had to resubmitt the second time. I called everyday and also would sit on the phone for hours trying to get the issue resolved. Finally in Jan 2009 my modification was approved but I had to continue to make my payments for three months on time, which was not a problem. The money that I paid was never applied to my mortgage, but put into a sub- account, thus causing my mortgage to appear even later then it really was. Finally after speaking to at least 100 representatives with diffent stories, my new loan paperwork was sent to me. I sent the paperwork back only to get an additional bill for all the late charges and drive bys to see if my home was still being occupied. I was told in October that this would take 45 days. No one ever called me, I called them. Mind you I was only two months behind, but my credit reflects 10 months of late payments, which is untrue. I have called the FDIC and filed a complaint. I recommend you do the same. This is unfair practice my opinion, that they purposely took 10 months to complete my paperwork thus charging me late fees. I have contacted Citi but they are not willing to remove the late charges which were a result of them being understaffed and changing governement regulations.

My complaint is against CITIMORTGAGE and is related to extreme escalated ESCROW charges applied to my “Un-Escrowed” account around May ’09, which doubled my mortgage payment of $1, 206.00… to $2, 400.00. I had paid all of my taxes by early June ’09 but was eventually locked into escalated mortgage payments due to errors committed by CITIMORTGAGE’S Banking, Escrow, Tax and Customer Service Department(s). In early August CM locked me into projected escrow balances and the elevated payment is now cemented at $1800.00, $1422.00 and now $1600.00 not sure because each Customer Service "phone fiasco: rep informs me of different amounts day-to-day, week-to-week.
I fear by the time my complaint is eventually reviewed by the Attorney General’s office…and the OCC I will be “locked into” foreclosure. I have been in communication w/ CM weekly and even daily and recently enlisted the folks at Hope for Homeowners (a federally funded Consumer resource group) to delete the escrow from my account. The following timeline details the chain of event since March ’09 to the present: (Exact dates can be provided for the following timeline if this issue goes to litigation).

In Mid March ’09: Regular mo. payment to CITIMORTGAGE was $1206.00/mo. In March ’09 I sent a certified check for $3500.00 (issued from my Credit Union) for delinquent taxes directly to the my County Tax Office (YCTO). In March I still owed $4300.00 and made arrangements to pay the balance in June ’09. This was approved by my local County Tax office as I had until mid July ’09 to pay the balance.
Mid April ’09 – CITIMORTGAGE (CM) issued a check to the local County Tax Office (YCTA) for $7, 800.00. Upon receipt of the CM check, YCTO immediately issued a rebate check of $3500.00 to CM for the $3500.00 I had already paid the previous month. I was not notified or CC’d of the rebate transaction to CM.
Early June ’09: Oblivious to the rebate…on June 10th I called (CTA) for the exact TAX balance as I was ready to send in the 2nd Certified Check. I was informed CM had paid $7800.00 (the balance of $4333.37 was now $0) and finally informed a rebate of $3500.00 had been issued to First Bank of America for delivery to CM’S Tax department to be credited to my escrowed account. Around this time I began receiving incessant calls from CMS’ automated Bill Collection dept. stating I owed $2400.00 for the month of June? I was surprised to hear this as I was current on my mortgage payments at this time. When I would call back the Bill Collection folks @ CM they said so not worry this would all be AOK when the $3500.00 was finally applied…. they would keep checking as it had not yet showed up.
Mid June ’09: CM Escrow and Customer Service folks said I would be able to apply for deletion of the escrow on my account if I resolved the remaining balance of $4333.37 and they would track down and apply the $3500.00 to my remaining balance I would be at $0 balance I could fill out an escrow deletion form and resume my original payment of $1206.00.
I immediately sent a personal check to CM for $4333.37 noted “apply to escrow”. Check was received and applied immediately but the escrow balance was still $3500.00 for the missing check… concerned I called local CTO Controller’s office and confirmed the check had definitely been sent in May.. When I called CM to check if received they promised to keep checking the system… and would $0 out my escrow balance when they found it. (I paid my normal payment of $1206.00 in June certain any day this would be resolved when the check was finally located.) I made several check up calls to CM for the remainder of June still not concerned at this time.
Early July ’09: Rebate check is still lost at the First bank of America and now my cell phone rings from 7:00AM to 11:00 at night (cell records will confirm) as now I owe another payment of $2400.00. I make another $1200.00 payment… hoping an adjustment will be made when the rebate is applied and the escrow is zero. The only good news is now my payment is “only $1800.00 due to the $4333.37 finally adjusted on my escrow. I am growing concerned because it appears I will not be credited the $3500.00… I paid in good faith back in mid March ’09 to my Local County Tax office.
Mid July ’09: I called CTO again and "conferenced in" the Tax Office w/ Customer Service at CM. During this call it was apparent (after almost 3 months) the check was still in limbo and I was pressing for the escrow deletion to get my payments back to normal. During the conference call we all decided that CTO would stop payment on the check and issue the rebate to me… then I could forward the check then submit another personal check for the $3500.00 to CM to $0 and delete the escrow. The check came from CTO the next week and was deposited into my account. I called CM and let them know the check had arrived and would be paying down the escrow as soon as the check hit my account.
End of July ’09: Called Customer Service and asked to be patched to the escrow department… was on the line w/ Craig and brought on Regina we were in a 3-way call… the record will show 99% of the time I pay CM w/ check by phone. Both escrow agents assured me the $3500.00 would be applied to the escrow. I authorized the payment and was assured the escrow would be deleted and I could expect my normal pay schedule to resume. Finally the rebate had come full circle.
Early August ’09 – Phone calls from CM's Automated Bill Collection harrassment come in from 7:00AM -11:00AM for monthly payment of $1800.00. When I called CM to check on the escrow deletion nothing had changed. During this call I found out CM (On August 1st) had paid ahead as well as projected my 2010 taxes allowing them to keep the inflated mortgage payment and now I was locked into projected escrow payments.
Mid August ’09 - After approximately 20 calls from early to mid –August most ending in disconnects after hours of being on terminal “HOLD” (cell phone records will verify) I discovered the $3500.00 was misappropriated to pay the "escalated" Mortgage payments. This was a blatant lie to me from the 2 CM escrow agents and countless other CM reps over the past 3.5 months. My CTO recommended I contact the Department of Banking (OCC). I have filed a claim and I’m on a waiting list… I also filed a complaint w/ my Attorney General's office. Recent calls to CM have been w/ the HOPE for Homeowners counselors conferenced in to witness my attempts to resolve and avoid litigation. The “Hope for Homeowners” counselors, referred by the OCC WEBSITE, have been on the phone with me and CM up to 3 hours at time while we spoke to “Escrow Supervisors” who are the first second and third line of defense for getting through to anyone who had a clear picture of my account information. Taking names and ID #’s are useless… an hour w/ Leslie ID# 22594 (she was filing an escalated request to a senior supervisor) we were disconnected. We got her back on by luck were put on hold and disconnected again… then we spoke to Nancy we asked for her ID and were immediately disconnected… We called back, and Shabir a gentleman who proceeded to tell us IDs# are not useful it is not possible or names as there is no way to get the original Supervisor back on the phone. It is a maze of unaccountability… Shabir said my monthly mortgage payment is now $1442.00 but would go to $1006.00 if I paid my projected balance of close to $5000.00 dollars is paid. I am certain CM is doing this to others as YCTO advised me to contact your office. Please help me bring them to accountability for deceptive practices.

My story is similar in trying to get refinanced through workable solutions. Citi has several departments working on my loan, and none of them seem to know nor care what the other department is doing - they constantly are contradicting each other. I can't get the same person on the phone twice. My mail and phone messages are ignored. I don't have a payment book nor am I getting any invoices, so I don't know what to pay when. Yet they keep sending me threatening letters saying I'm not paying. And the worst is that they've had at least one, maybe two, private investigators trespassing on my property and on the neighbor's property, and this evening when my kids were getting ready for bed and I was doing laundry on another floor of our home, someone from Citi walked right into my house without being invited and without my knowledge and asked my 11 year old daughter to give me a note. The note was crudely written in both English and Spanish, with a phone number, but no identifying information as to whom it was from. When I called the number, CitiMortgage loss mitigation dept. answered! My children are scared to death. You are right - these are horrible people with too much power. What can "we the people" do about this?

I have heard back from them too. I am currently making my mortgage payments and have never missed one or been late. Yet. The loss mitigation rep told me based on my Hardship assistance application that I DO qualify for assistance. But...
There is a "trial Period" where they will reduce my monthly payment for 3 months. Then at the end of 3 months they review my file and decide whether or not to mod my loan. He would not give any indication of what the modification could/would be. So after the trial period if they do decide to mod the loan the amount of money i did not pay as part of the trial period gets worked into the new modified loan. However if they DONT modify my loan then i owe them all the missed payments for those 3 months. To make things worse there is another catch too, my credit takes a hit for Missed/Late payments over 90 days.

Why is it that i am supposed to become delinquent on my payments? This makes absolutely no sense to me at all since according to the Loss mitigation person I DO QUALIFY Already. If i Qualify then I qualify. Whats up with needing to wreck my good credit. What if at some point i want to go out and purchase a new home in the future... Now i cant get a loan or a good rate because my credit report shows 90 days delinquent payments on my mortgage.

Not only that but their mod program that they wouldnt comment on goes something like the following according to one person's comments who has gone through this process in its entirety...

Say your current rate is 7.5%, they will give you a new rate of 5.5% for 12 months then 6.5% for the next 12 months then your loan adjusts back up to 7.5% for 40 years.

For me this amounts to a savings of about $200 per month for 40 years. I am already 5 years into a 30 year fixed, it makes no sense to add on 15 years of interest to save a mere $200 a month. Has anyone else actually modded their loans or gotten offers like these?

I applied for the Hardship Solutions package and received my call today. Because my expenses exceed my income I am not eligible. Eligibility applies only to those who's income and expenses are equal. They had the nerve to ask me to cut back on my grocery spending and to increase my income. Sure, I will get to work on increasing that income right away.

And like many, many others on this board I too have had escrow problems with them ever since I bought this home.