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Citifinancial Mortgage Company Inc lost/misapplied my March 2008 payment. I received a letter saying I was 25 days past due. I called them, got someone who did NOT speak English, explained to them that I made the payment, it cleared my bank and I could provide them a copy of my check, front and back to prove it. I spoke to a supervisor named Dave who said I should fax it to [protected]. I did just that 1st thing the next morning. I then started getting annoying phone calls all hours of the evening/night from the collections dept. I re-explained the situation (feels like a million times) and each time was promised they would look into it. Each time I spoke to a different representative, I requested that notes be added to my account so everyone would know that the problem was being worked on. After two weeks of no resolution and TONS of phone calls, I spoke to a supervisor named Brigitte who had me fax the same documentation AGAIN to [protected]. Once again, I got a bunch of BS promises that were never fulfilled. I then spoke to another representative that gave me a different fax number to send my info to [protected] and that conversation was followed up by a letter requesting the same info. On it was an actual name of a person (surprise). When I called the phone number on the letter, it turned out to be an "invalid number". I faxed in my documentation proving the payment was made a total of 10 times, I have spoken to more people than I can count and yet I can't get a SINGLE person at Citifinancial to do their job. Meanwhile I am getting threatening letters stating they will foreclose, they will accelerate the loan, my credit is being affected AND to add insult to injury, they have my money and I have done NOTHING wrong. Citifinancial is a fraudulent company that is probably to blame for the so-called home foreclosure crisis. If they are doing this to me, they are doing it to others. Someone needs to do something about this!!!

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  • Re
      8th of Jul, 2008
    0 Votes

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

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

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

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

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

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

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

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

  • Er
      21st of Aug, 2008
    0 Votes

    They are doing the same thing to me.
    Only difference is they bought my loan from a different company!!
    They are horrible to deal with and continue to promise and never deliver. They do not care about their customers at all.

  • Le
      31st of Aug, 2008
    0 Votes

    Citi Mortgage has charge me over $900.00 in deliquency fees, posted my bill as nonpaid, changed the number to my account, raised my percentage rate from 7% to 10% with re-negotiating my contract. I know I need a mortgage lawyer to sue them. If anyone reading this can help, please send me an email. I will be filing and calling to complain about this company. We need a class action against them.
    Leila Elkins

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