CitiMortgage

Due to my medical condition and high medical bills, lowered pay and having to quit my second job, I applied for a mortgage modification. This was in review for 18 months and I was asked to pay around $400 every month during review. I started to receive "default" statements and when I called CitiMortgage, they said to dismiss this because "the computer automatically prints these out when the full payment isn't sent." I asked if this would affect me negatively and was assured this wouldn't.

So, I went along paying my payments early, every month. On a weekly basis, they would lose my paperwork or ask that I keep sending updated information or information a slightly different way. This was extremely stressful situation with their constant calls, letters, registered letters, emails and texts. It seemed every time I called, I was given a different answer. I would also call and be sent straight to voice mail or sent to nonexistent extensions.

After 18 months, my request was approved and over the phone, my housing representative and I talked on speaker phone to a rep from CitiMortgage and a new payment was negotiated that was reasonable and I could afford to keep up on my payments. I was told the contract would be sent out in the next week. When I received the contract, it is for over$100 more than what I had been quoted. My housing rep was on vacation.

I called CitiMortgage who said that the deal was the best they could do and that I needed to sign and send it back to them within days or it would be voided. Stupidly, I fell for their "bait and switch" con, signed the contract and sent it back. After about 5 months of paying, I received a notification that CitiMortgage was filing foreclosure! They stated that I was in default during all the months they told me to pay $400 something, and I would have to pay almost $3,000 to get caught up or they would file foreclosure.

I could not believe it. The people in power at CitiMortgage are corrupt criminals that stole my American dream! I have disabilities and drag myself to work everyday and got no help from the government because I don't just sit down and accept free money from the government. Now, I'm suffering because I try to do the right thing. How do companies like CitiMortgage legally steal American people's houses? The courts appear to be right there with them, agreeing with them and allowing them to steal our houses!

My house is much better than when I bought it 12 years ago. Now, they are going to auction it for over $30,000, less than what I paid for it! But would they lower the mortgage for me--the one who has put all the money into the house and the one who has been a loyal customer for 12 years? No! They did nothing but kick me again and again when I was down and then ruined my credit! Shame on you!

After numerous repeated requests for modification or short sale by my realtor in Tulsa, OK (who provided two reasonable offers in the short sale process) you and your associates left us "high and dry" in September of 2009 by foreclosing on our home in Tulsa, OK. Not only did you destroy our credit, we were also desperate to find shelter. We ended up losing everything. Mortgage number **. A copy of this form is also being sent to: Independent Review Administrator, P.O. Box 2585, Faribault, MN 55021-9815. This form was filled out primarily so that you will have an address to try to rectify the terrible damage your company has done!

I made my decision to purchase this home in question partially based on the value as appraised by the bank. I even apparently had enough equity in it to get a home equity line of credit loan to fix the house up. BOA was more than happy to give at that time based, I believe, on the same recent appraisal. I put on a new roof, bought a new water heater, furnace, insulation, re-did the dining room and bathroom, and new carpet. After a couple years making regular payments on both loans with no problems, I find I needed more room so I decided to purchase another house that had a garage. I tried to sell but not even a bite, so I figured I would rent this one out. BOA decides to close my equity loan because they say the value suddenly was no longer in the home so I could no longer withdraw but of course had to continue to pay it back. Did they renege? I think so. I kept paying for a while. Being new to the rental thing I had problems with renters not paying and such, but I continued to make the payments until a couple of years ago when my last renter died a month after he moved in and my work took a down turn and I could no longer afford to make all the payments.

I had tried to negotiate from the beginning but was denied any form of assistance. My payments began to slip and eventually I was around six months behind (approx. $4,200.00). During this time I filled out every paper for the banks requesting financial information, applied for every type of assistance and program they recommended, MHAP, HOPE, loan mod, refi, but I was denied at every turn. I managed to come up with nearly all the back payments. A check was sent to Citi in April of 2010 for $4,000.00 but they sent it back denying my request to keep the home. Finally after being totally frustrated and beat down by the system, I gave up and sent them a letter stating, since they seem so determined to keep the house rather than take the money or work any solution, they could have the house, deed in lieu, and goodbye. They then threatened me with all kinds of charges and fees and such things as you could imagine. I then asked a couple of questions like, "How is it possible that you appraise my house at $80,000.00, get me to buy it, take an ELC on it, and then a couple of years later say the home is only valued at $20,000.00?" No good answer.

Then I heard nothing for quite a while, nearly 2 years. I figured it was done with, and now last week I get two letters, each with significantly different amounts, saying that the mortgage was sold to them, and now they are trying to collect from me. Funny thing is somebody has been living in this house for about a year now. So, yes, I think I was scammed somehow but nobody would help except a lawyer and I have no money for that as I have been without work for over 2 years now and have applied for SS disability.

My husband lost his job in November of 2010. We began the modification process as soon as this happened and we were no longer able to make our payments. After hours on the phone and resubmitting our Modification Package many times, we received a letter in October of 2011 that the foreclosure process had begun. We put the house on the market to stop the foreclosure. We got a buyer the first week the house was on the market. We sent in all the paperwork at least 4 times. We have had 3 different counselors - none of whom really knew what we needed to do to get the ball rolling on the short sale.

Finally, our case was given to a negotiator. I have sent him my paperwork twice in the last 3 days. The first time he said that I didn't send enough documentation to match my income/expense worksheet and that it was all disorganized. I don't know how the organization of it is my fault because it was given to him originally by my counselor. So, I separated it all out for him, labeled everything, and matched each item with the line on the income/expense worksheet for him. By the way, my 12 year old could have organized this stuff for him. He receives it, and replies "it's a lot to go through". I asked for him to call me to go over it all. He replies that he can't speak with me on the phone and that email is all that is available. Insane! What in the world does that mean? I can only assume he is afraid to talk to me.

I am only sending in the information he requested. He says my income/expense worksheet seems inflated. I have 4 kids. He says that spending $800 a month on gas and food with 4 kids is too high. I didn't know it was his place to comment on my bills and expenses. My house payment was $1,300 a month and besides being late here or there, we had not had any real problems with our mortgage up until my husband lost his job. We are divorced now and that is causing a huge problem for my "negotiator", which I kind of understand, but on the other hand, it doesn't change my ex-husband and my income and that both of us are on the loan.

So anyways, here it is a year later. We haven't made a payment the entire time. I tried to modify our loan so we could make payments. CitiMortgage said no. Now we have a buyer that wants to give CitiMortgage money for our house. It's looking like CitiMortgage will say no again. I am sure that the amount the buyer is willing to pay is a lot more than what the house will sell for on the auction block. I can completely understand why the mortgage industry is going bust. If CitiMortgage were to pay me an hourly wage for the amount of time I have spent calling, faxing, re-faxing, emailing the same information over and over again, and being on hold for crazy amounts of time, I would probably have enough to pay back some of my missed payments. CitiMortgage would be getting their money from me monthly and I could stay in my home but no, they have drawn this out to over a year, killed an entire forest in paper products with faxing, paid their employees to do nothing but transfer phone calls, and ultimately get less for my house than they would have in the first place. Ridiculous! Does it benefit CitiMortgage for foreclose in some way, tax right off? I am sure my comments on this website are just more for me than any action being taken. Thanks for allowing me to vent.

I am behind on my mortgage with Citimortgage and trying to make a payment to avoid foreclosure. I can't get them to take payment, even though a supervisor told me she has processed a payment I made over the phone. I cannot get an accurate answer from anyone over there and am concerned I will lose my house before I can get it sold. I think they purposely place obstacles in front of people, so we fail!

I went through their Home Owner Assistance Program where you pay the three months then you get the loan modification. Well, I did not get it and even worse, I don't make enough and I owe $245,000 on my house and its worth per their site $145,000.

I came to find out that I have never been approved for their program and it never went to underwriting first. I mean, really I can use their help but they would rather see you lose your house first.

Per mortgage disclosure, we are asking for a release of PMI per contract. The mortgage is now below the required 78% of the original value and per contract should be an automatic termination of PMI as we meet all other requirements, current on loan, etc. Per the disclosure our loan is not in a higher risk. However, CitiMortgage responded with a letter stating that they need a full appraisal of our property to be completed to confirm that the value has not declined since our loan closed. Per our contract an early PMI release of 80% LTV would require an appraisal and automatic at 78% LTV. Why the change in contract without notifying us?

We had our 1st and 2nd mortgage with Citi. My husband works construction and was laid off for over 8 months. We got behind. I took money out of my 401k and got both accounts up to date. They mailed me a letter by FedEx offering to do a loan modification and to lower our interest rate to 4.1. I faxed and mailed everything they asked for. This went on for over 6 months. Then, I was told the last week of June of this year that everything had been approved and that we would receive our final paperwork in the 1st week of July. I asked several times about the second mortgage. They assured me that they were going to combine the 2 so we would have only one mortgage.

In the 1st week of July, I received a call from Carrington Mortgage asking me who do I think I am, that I can stay in my home and not make a payment for 6 months. I explained to her that I had been paying every month. She was so rude I hung up on her and called Citi. They told me they had sold my mortgage to Carrington and that I would have to talk to them. When I tried to ask about the payments I had been paying and the second mortgage, they told me that the second one had been charged off. I got nowhere with them. The next phone call I got was from some collection agency saying that they were going to garnish my wages if I didn't make a payment.

So to stop any kind of legal action until I could get something straightened out, I authorized 1 payment from my checking account. They proceeded to withdraw $1625.00. When I called, they said no payments had been posted to the account. I want to know what I can do to get my money back and how these people can be stopped. I would hate for anyone else to go through the hell this company has put me through the last 6 months and the expense. They told my husband that I hadn't been making any of the payments which caused us a lot of problems, not only between us but also caused my checking account to be overdrawn by taking payments out.

On November 28, 2011 USAA mailed us a check for $15,257.51 for damage to our home at **. The check was made out to Michael and Patricia ** and CitiMortgage. I was told by CitiMortgage to endorse the back of the check and CitiMortgage would endorse the back and mail it back to us. On December 8, 2011 I mailed check for the amount of $15,257.51 to CitiMortgage. After numerous phone calls I was told by CitiMortgage they were going to hold the check after telling us they were going to endorse it. They lied. I found out January 12, 2012 from USAA that CitiMortgage cashed the check and are keeping our money.

CitiMortgage lied to us twice. First, to endorse the check they lied to us when they said they were holding the check, for what reason I never found out. Then they lied again when I found out they cashed the $15,257.51 check. CitiMortgage has been deceptive to us. They stole $15,257.51 from us and lied about it. Please find enclosed a copy of check number ** for check $15,257.51. Please help us to retrieve our money from CitiMortgage.

I received an statement in January 2010 from CitiMortgage indicating our monthly payment would be increasing by $300 due to an increase in the Escrow. When I initially called, I was told to contact my Homeowner's Insurance Company. After further investigation, I found out that when we changed Insurance Companies in 2009, an adjustment was not made to the Escrow. Therefore, the correct amount was paid to the Insurance company on our behalf, however, it was not taken out of our Escrow account. The shortage was from 2009 through 2011.

As a result, it caused us to have an unexpected $2,600 shortage which was applied to this year's adjusted monthly Escrow payments. The $300 increase is unreasonable since we were not notified of this until 1 month prior to the new payment schedule. This new amount will cause us a hardship. The representative from CitiMortgage indicated that they recalculate Escrows in December and our change did not occur until after that. The procedures should include a change to the Escrow amount when the mortgage company is notified of the new insurance. My agent notified CitiMortgage verbally and the new insurance company also sent them all of the documentation.

We told Citi that we were unable to make mortgage payment and asked for a loan modification. We were told that we did not qualify as we were current with payments and it needs to be six (6) months late to qualify. Well, we're six months late when we filled out the financial disclosure paperwork and then never heard from them. We did hear from their bill collecting attorney that they would foreclose on the home.

We have filed a complaint with the Justice Department in the State of New Hampshire. Apparently, Citi is not interested in working with the homeowner as required by the Home Affordability Act states.

I had purchased another home and put one up for sale by owner (the one with CitiMortgage). I was making both house payments and then my hours were reduced at work. I contacted Citi and all they could do was to offer me a modification. I told them I had it for sale, but it appeared they did not care. I then put it up for sale with a realtor and asked Citi if they would do a short sale as I had a buyer. First they rejected me, then they said they would review all the paperwork. That was in October. The offer was put in, the paperwork I sent in was, supposedly in review.

Then in November 2011, I called Citi to find out the status. It was only at that time that I learned they switched counselor's and I had to deal with a new person, so I did. Resent all the paperwork. I called again in late December to check the status, at that time I found out that they sent an email to my realtor on Dec 12, 2011 with a counter offer. My realtor said, he did not receive anything from Citi. I immediately emailed my new counselor and asked him to send me a copy of the email and all future emails should be copied to me. That was last week and I have not heard anything. Now Citi is threatening to foreclose. Since my hours at work have been drastically reduced, there is nothing I can do. This has been going on since October 2011.

CitiMortgage needs to be held responsible for their inconsistencies. Having gone through this, I believe that CitiMortgage has put more people into foreclosure than needs to be with their unprofessional ways, not properly notifying their customers, etc. The buyer has backed out of the deal, which I don't blame him after 3 months. Now I have to start all over again and find a new buyer.

CitiMortgage basically made us file chapter 13 bankruptcy in 2004 because they "claim" that when we sent two mortgage payments, that our bank said "no such account number." So then, CitiMortgage sent us a letter from their attorneys saying that they were going to foreclose. And on top of that, we now owed their attorneys $5,000.00 for the privilege! All we could do was to file bankruptcy to save our home and vehicle and I had to have brain surgery right after we filed.

I had been very ill for years and couldn't work anymore, which is a huge part of what got us the two payments behind. CitiMortgage told us over the phone that we could do a check by phone, which is what we did. We gave them the information, and like I said, they claimed that the bank said it was a bogus account. I do not believe anything CitiMortgage says ever and I would not recommend ever getting a mortgage through them, period. We were almost homeless because of them and were forced into chapter 13 even though we finished paying off almost $70,000.00 in debt.

In 48 months' time, where chapter 13 took money from us, we had no say and they even ** up our payments, taking way too much for over six months. We lived on less than $600 per month total while I had brain surgery and almost died. We were forced to also put our new vehicle on the chapter 13 by the courts. So now, we were discharged from chapter 13 in 2008, and we have been constantly harassed by our credit union. They say that we have to close our "account within 10 days" because we still "owe" them $2,500 for the vehicle that was on the chapter 13!

But in the same breath, the credit union also says that they cannot legally ask us to pay the $2,500.00. So what the heck? Anyone know what this means? And in the three years they keep threatening this, they have given us an ATM Visa credit card and overdraft courtesy protection (that we pay for, of course). But three years after chapter 13, which CitiMortgage caused, we were still being harassed and live in fear because the bank locked the account. We can't write checks or anything except withdraw or deposit money to the teller!

I so wish that CitiMortgage (and all the other companies) would stop outsourcing to countries where the employees are clueless, can't speak or understand English, nor do they care about your mortgage or finances. They're just making great money on a job in their country without a care in the world for the clients/customers. They are unreachable in person; therefore, they care even less! God, someone please do something about these things. The president and government of the U.S. needs to stop these companies in their tracks, not give them handouts that we all literally paid for--even though we can't afford to even live now! Please!

Had my mortgage with city for 18 years and never late once. We decided to sell. Had a buyer just before closing she was denied for owing money to IRS. Waited a week for her to obtain papers and pack up for sale and had a buyer in hours. We went to closing with not problem. Citi was paid off by lawyer. In the meantime, received foreclosure notice. Some retired police officer came to our new home, explained situation and compliant was dismissed.

January 2, filled out an on line application for amazon and just received letter that we our credit report reflect a foreclosure. Thank god for amazon application otherwise we would not know this. I understand that there is a class action case against citi. Where can we get an aapplication for this action to fix our credit. Your prompt attention to this matter will be appreciated.

When calling to make a late payment, or resolve an issue, the call center is in the Philippines (I know this because a friend of mine trains them). They don't know what a mortgage is, or what to do. They are only trained to answer the phone. I switched checking accounts, and they couldn't even type the the account number in correctly, and I was charged a late fee. They told me that I could only make a loan modification, if I call back after the first of the month. I had to wait 3 weeks, and then the person told me a different story. I requested to modify my loan because I was unemployed, and behind on one payment.

She said yes, you can pay an additional $200 this month, and each additional month, until u catch up to the past due charge. I called back the next month to make the payment, and they said that's not true, and can't be done. I tried for months to make alternate arrangements, but every time i called back to follow what their representatives told me, I was told a completely different story and process. This is just the tip of the iceberg. I won't even go into how one rep finally modified my loan, and then I get the payment info in the mail, for a completely different amount again, and different payment dates.

They foreclosed my house, waited a month, and have been harassing me nonstop on my phone for 2 months. They have my house. Can't they leave me alone? I don't want to talk to them, or have anything else to do with them. They made 2 years of my life miserable, and call me more than a stalker ex-boyfriend.

After my November payment, I had a mortgage balance of $.01. Yes, that's one penny! I blew off my December payment thinking they would just write it off. Wrong! Charged me a late fee of $23.04 and threatened to report to credit bureau if I don't pay. I've called three times to resolve but they won't back down.

Even if I'm a day late, they send my attorney a foreclosure letter. Every time! There used to be a grace period of 10 days, but they say that doesn't mean the payment is late. This is only the secondary mortgage on my property at an unheard of rate of 8.5%. Believe me; I am trying to get rid of this in any way. My main mortgage rate is under 6%. Never, ever, ever, take a loan from CitiMortgage!

We have been fed up with this bank. We have been behind only one payment and each month, they will not accept the mortgage payment and send us through hell to get them to accept the payment. They want to foreclose because we have equity in this property. It is valued about $100,000 over what is owed. Today, they sent a FedEx letter of foreclosure which is not legal because we are not behind 3 payments and I have had all I can take of their harassment. Will someone step forward here and make these ** stop? Our government bailed these ** out and gave them money to help Americans, not harass them.

Citimortgage is a boiler room operation. There are lots of squirrelly complaints here, even one from a person who claims to be a lawyer, and yet believed a phony phone call and is so worried about letters and such, although he has always been current on his mortgage. Right. Since when? How can a corporation that operates like Citi be stopped from it, when so many complaints are bogus? The truthful, accurate complaints can't be heard above the din of idiotic ones.

Honestly, people, do not call your mortgage company when your husband goes on strike and try to get a lower rate. Do you think they are the local social services agency? No, they don't give a rat's **, and you are going to be unhappy. Just don't call them at all. That is the best way. Their phone reps are not informed and are ill-trained. Your chances of being given wrong information are at least 50%, which is chance. If you are current on your mortgage, you have nothing to worry about, so don't file complaints here, okay?

Five star frustration! I fell behind with CitiMortgage for 3months. They passed me on to RCS a predatory collection department without my knowledge. I was told CitiMortgage was still my holder, and RCS was a service company. I was charged $1300 for the transfer. They harassed me and threatened foreclosure, and legal action.

Mind you I'm 25 yrs into a 30yr loan. I was working with a women named Rita, made all late fees, all payments and have a zero balance($0.00)in writing. After I complied all payments, RCS bounced me back to CitiMortgage without my knowledge again. CitiMortgage charged me $1300 again for a home inspection that was never done. An executive decision was made and on my paper work it said delinquency expenses. I was not delinquent and I have their paper work that says so. Also, my mortgage payment goes from $1257 to $1598 and they told me my taxes went up! I called the Town of Babylon and told me they did not go up $340 a month!

I called CitiMortgage when my husband was on strike. We have never had a 30-day late and we both have impeccable credit. We wanted our interest rate to get lowered based on the current interest rates. We asked them if they could modify our existing mortgage so we could afford to make the payments. CitiMortgage told us that there was nothing that they can do for us unless we were late for three months. Now, even though we thought about being late so we could get a lower payment, we decided against it. I thought the Obama plan would help people like us. We are good borrowers and we did not ask for our debt to be forgiven, we simply asked for our interest rate to be lowered so we could make the payment without having to financially suffer. I am just disgusted with the whole situation.

CitiMortgage is a scam, I am convinced. We re-financed with them for a fix 30-year loan back in 2009 for 5.25%. At closing, we were presented with a bamboozled version of PMI. What? We put 20% down on our home and were never late on a payment. Their loan officer did not inform us that we qualified for Harp 2.0 as the loan discussion began in December 2008. Instead, he snaked it in without a disclosure upfront and now we're paying an extra $137.00 a month for PMI! They hinted to us, "Skip a payment or two and we can modify." We told them, no way, take the PMI off because we worked hard and have outstanding credit. Citi is snakes in the grass. I'm filing with state Attorney's office.

They called us and told us they could save us on our mortgage payments with the new Obama plan. We just needed to fall one or two house payments behind and that would qualify us for the refinance and cut our interest and cut our payment. They were our mortgage company, so we listened to them and fell one payment behind. They let us stay behind each month, so it showed it was late to prequalify our loan.

After 6 months, they called me and said we didn't qualify because we had been late on our payments. When I told them it was them that called me and suggested this, they said, "Sorry, you didn't have to listen to us." Now I can't get refinanced until I'm current for one year. I've been current for 9 months. They sent me notice of an increase in my payments from $1454.13 to $3,118.86. God, please help me **. My wife committed suicide over this and other stress from the economy.

After a long term relationship (11 years), my boyfriend and I broke up. We put the house on the market and I moved into a relatives house and he remained in the house. The house was on the market for one and a half years and it was only shown three times. Throughout this time period, I continued to pay 50% of the home expenses (although I didn't live there) in the hopes we would sell it. We finally got a serious offer of $130,000 (maybe a year ago), which would be a short sale of approximately $25,000. CitiMortgage refused to take this offer! Not enough money.

As a result of our inability to sell the house, I ultimately had to tell my ex-boyfriend that I could no longer continue to financially support his living arrangement and I filed bankruptcy. The last house payment that was made was June, 2010 that I made. We have now received foreclosure notification and that is moving forward. Absolutely ridiculous that these mortgage companies won't take a good offer when they get one. The septic has failed and there is no way they are going to get $130,000 at an auction. Absolutely disgusted and now that the Massachusetts Attorney General has filed a lawsuit against mortgage companies, including Citi. I have no idea how long this foreclosure process will take. In the end, I hope they get $10,000 for it.

After 15 years in my home, always making my house payment, I received a phone call from a number I didn't recognize. It was CitiMortgage, informing me that I was delinquent in my loan. I assured them that couldn't be true, as I've always made payments. They investigated, called me back and told me that it must have been a mistake and not to worry about it. I never heard anything else and then suddenly I started receiving solicitations from lawyers representing individuals in the middle of foreclosures. I contacted CitiBank again. This time I was told I was in default and to contact their Southfield, MI attorneys.

After many attempts to obtain any information at all, I received a "reinstatement" letter which said I had to pay $36,000 to bring my loan up to date, and my house payment would increase to $3500/month, a 400% increase. Again, I've attempted to ascertain where they've gotten these figures since I've never missed a single payment. They told me I would be placed on a 90-day mediation period and the supporting documentation would arrive within a few days. We are now 15 days from the end of the 90-day period. I have written, re-written, called, asked for clarification and have received nothing. Their law firm tells me they are waiting on CitiMortgage to provide the information.

On Friday, December 2, 2011, I sent them an email outlining what I see my options to be. Today, I received a check for my December house payment saying they wouldn't take that amount because my loan was in foreclosure. Despite numerous emails and telephone calls, I have yet to receive any supporting documentation from them. The amount of money they are claiming we are past due represents nearly 10 years of property taxes on our house and about 39 months of house payments. They claim that the "new" house payment of $3500 represents a $1000 house payment, and a $2500 escrow payment. If that's true, I'm paying nearly one year's worth of property taxes every single month. I'm an attorney and I can't make heads or tails out of this, nor are they sending me the information I've been asking for over three months.

In 15 days, the mediation period is over and they can publish a notice of default. Apparently, they simply can ignore my repeated requests for information, demand unbelievably high amounts of money without providing any documentation to support their claims that I haven't paid, when I've got bank statements going back years that establish I have paid. There are no consequences for this bank.

We were in financial hardship and needed to short sell our condo. Our mortgage was through CitiMortgage, backed by Freddie Mac. We were told by CitiMortgage that we needed to be at least 60 days late on our mortgage payments in order to qualify for a short sell. We had excellent credit scores, and had never missed a payment on anything in our lives. But, in order to qualify for the short sale we stopped making payments and were 90 days late by the time the sale closed. Because of this misinformation, our credit scores have been ruined. In addition, we are ineligible for a new mortgage for at least three years. We could have kept our CitiMortgage account current and still short sold (Freddie Mac guidelines). We made choices on what were told, and we were told incorrectly.

About two years ago, I called Citi Mortgage to make a payment over the phone on my second mortgage. I had been struggling with my finances, which caused me to be perpetually late with my payment, but had making the payment with late fees incl. by the end of the month. While I was on the phone, the Citi Mortgage rep said that I may qualify for a mortgage modification and that he could run my information and see if I pre-qualify. I felt great relief when he told me we pre-qualified and could start paying the modified amount immediately (I had been putting most basic necessities on credit cards because our budget was exceedingly thin and I thought this was going to alleviate some our stress).

After four months of no paper work (that I called repeatedly for), the only answer I got was "it's with the underwriters". Finally after months of paying the reduced amount, a rep told me that we did not qualify because this was our second mortgage, not our first. What! They hold the mortgage. Wouldn't you think they would know this?! I was instructed to pay the full amount plus the thousands that was not paid due to our paying the "modified" amount. It was impossible. I'm certain Citi Mortgage put thousands of people in thispredicament to not only get the years of interest that we had already paid but to now reclaim thousands of properties.

A win-win situation for them. We now have a judgement against us to pay weekly but when I call to find out where the payment should be going, no reps know. "My computer is not showing anything here" This is stupidity. If I were to say "my computer doesnt show that I ever owned a 2nd mortgage by Citi Mortgage", would they just say " oh, ok" and stop with the never ending phone calls and legal proceedings? I am hoping that this small preview of what Citi Mortgage is doing to people will stimulate someone brazen and smart enough to take on the greedy corporate untouchables, such as Citi Mortgage! If there is any lawyer out there that can help push Citi's hand into resolving this matter, please contact me.

I have been working with Citi for over a year now trying to get my mortgage reinstated. Last October, I was two months behind on my mortgage. I attempted to pay the money I owed plus late fees. I was told they cannot accept my money and I needed to be on a special plan. I have emailed and faxed all the paperwork that they asked for over 12 times in the past year. I have been through countless CSRs and supervisors. Every time I send the paperwork, I am told that I am assigned a new person and am asked to resend all paperwork. I have been yelled at by CSRs and laughed at by supervisors. I was told they needed a year's worth of bank statements. I spent hours downloading and sending these only to be told we only needed two months. The CSR thought this was funny! I have been given names and phone numbers of people that don't even work within the company.

I was scheduled for a sheriff sale in October 2011. It was held off till December 8th, 2011. I never ask for a special plan in the first place. Now I'm 16 days from the next sheriff sale and no closer than I was a year ago to fixing this. This is joke to the CSRs and supervisors that work at Citi. It's not a joke. It's me and my daughter's home. I have done everything they requested over the last year, except now I owe thousands of dollars in attorney's fee and they have my home's cost up to 106 thousand dollars. I don't know what I should do here.

I have been working on a loan modification for two years now. Problem after problem, errors in that dept., serious errors. Now I am being told my modification is on lock, 4 months now. Calling twice a week to fix. Please check my records.

Last week, I was told after insisting on a manager that my first loan has not reported my modification. I went to BOA. They researched and found it most definitely has been reported. I have all the 1st loan modification documents. I asked to fax them to Citi. Not good enough. My modification was already on a trial period 7 months ago, which I paid and was ready to finalize, but there was an escrow issue. I fixed that by paying my flood insurance in full. Since then four months ago, I have not been able to get this unlocked. Please review my massive records.

3rd major negative occurrences; numerous minor (thought many would consider major, after my 3 majors, I classified these as minors) occurrences.

Occurance 1: 2.5 years ago, failed to pay my property taxes for 1 year when I was paying my mortgage payments with an escrow acct for my insurance and taxes. Property was about to go to tax sale and that's how I found out (through my county, not my mortgage company).

Occurance 2: 2 years ago when they performed an inspection on our home (which they claim they do on all their mortgaged properties on a routine yearly basis), that our home was vacant, when in fact it was clearly occupied. I never received any notification of this and they cancelled my homeowners insurance which was escrow into my mortgage, of which I was still paying (mortgage payments). I didn't find out about this until my homeowners insurance company contacted me about it being cancelled. Citimortgage never sent me anything about my home thought to be vacant, nor did they send me anything about cancelling my insurance. Even after rectifying the issue with Citimortgage. I was still stuck with the additional costs of my homeowners insurance costs increase due to lapse in coverage (which my mortgage company cancelled). Citimortgage did pay the additional premium amount, but I still paid it in the end because they calculated the additional premium increase rate into my next years mortgage amount raising my mortgage payment an extra $70 a month.

Occurrence 3: 2 days ago, a locksmith came to our house to change the locks on our doors indicating that our home was on a list provided by Citimortgage that the home was vacant or foreclosed (which it was not, I was only 16 days late with my payment). When contacting them, they indicated that when once again they were performing their routine yearly inspection on their mortgaged homes, that our home was classified as vacant.

Hello....what is going on. My house is clearly occupied. Grass is mowed, there is a children's swing set, new front door, freshly planted grass, a light on in our house at all times. What more do they need; A permanent sign placed in the yard that says, Home Occupied, with large neon arrows pointing to it? I have a family which includes 2 small children who are only 4 years old and 9 months old. What if were were locked out of the house. It is winter time in Indiana for goodness sake. Besides that, isn't there some sort of policy or procedure or law that indicates that they should follow. Why can they 1 time just cancel my insurance and the other not cancel my insurance and just change out the locks. In addition, if I am paying my mortgage payment with escrow, why does it matter if were currently occupy the home, occasionally occupy the home, or never occupy the home, I'm still paying for it. There are many smaller occurrences but way too many to list.

After reading all the reports here how hard it is to get a loan modification from this company, I have no idea how this happened.

I purchased my house in 2006. My mortgage was with Country Wide, then bought out by Bank of America, who it has been with ever since. At no time did I ever have an account with Citimortgage nor have they shown up on my credit report since '06 when I bought my house.

I received a letter in the mail about four weeks ago from the IRS telling me I owed an additional $500 on my 2009 taxes because Citimortage sent them a 1099-C that they forgave me over $4000 in back debt. I have called Citimortgage and gotten several people on the phone who have told me I have never had an account with them based on the account number they sent the IRS, my full name, or my social security number. One particularly stupid person I spoke to had apparently no idea who the IRS was and said I should just ignore the letter and throw it out. I got someone on the phone who advised to fax them the info the IRS sent them and they would verify I had no account with them and I could dispute with the IRS. I forwarded all of this info to my accountant, who sent them all of the info they requested. We have gotten nothing back from them and my deadline to dispute is tomorrow.

You never get the same person on the phone when you call, you get told you need to speak to another department and transferred a hundred times, and if you do get an agent on the phone who says they can help you, they actually have no idea what they are talking about.

If this is not resolved by tomorrow, I am going to have to pay an additional $500 in taxes that I do not owe. My dog is going through bladder cancer treatment and all my funds are going towards that.

When we had a small house fire in September 2011, our insurance check had to be mailed to CitiMortgage for them to decide how much and when the money would be released to us for repairs. I was initially told that 1/3 of the money would be released immediately, and if the report filed by the inspector CitiMortgage sent out said the repairs were at or beyond a certain point, the second 1/3 would be released. Then when an additional inspection was done and it was determined that the repairs were 95% or more complete, the balance would be released to us. This is not what has happened.

Because we are in the middle of major remodeling, CitiMortgage is using the incomplete remodeling work to hold the balance of our insurance money. Both inspectors that have been sent to our home have stated that the fire damage repair work has been completed, and CitiMortgage has been shown numerous photos taken of the remodeling prior to the fire and immediately after it, so they can see for themselves how much work has been done. But CitiMortgage has decided that there is a "discrepancy" somewhere in the reports, and they now will not even talk to us. They expect us to leave a message and wait for a return call. My husband has already left messages that are not being returned.

I started trying to get a loan modification on my mortgage back in April. It took until July before I got the packet for the modification. I asked to make payments or at least partial payments through this process but was told that I could not due to the foreclosure, attorneys do not allow that. If I wanted to pay the attorney fees and the back payments, taxes and interest in full then I could make payments again.

When they finally requested the information I had just had surgery and was unable to get the paperwork together, at that time, so I was given an extension until August 23, 2011. During the process, the file manager was changed and no one knew for sure who it was going to be. If you called the phone number given and the extension for that person I always got a customer service person who didn't have a clue what was going on. The information they had about my file was dependent on how good the notes were that were put in by the previous person you spoke to.

The information I sent in August, which I faxed to the number they gave me, they claimed they never received it so I had to fax it all again. Again in October additional information was requested, which I faxed to the number they gave me, and then I called the next day to see if they received it only to be told that it takes up to 48 hours for the case manager to get a fax. I requested that I be notified after 48 hours, and I was not. I called and emailed several times before getting information letting me know if it was received.

I got an email for Mecco **, the case manager, telling me that she had not received the requested information. I again faxed the same information and a few days letter I got an email from the above named individual telling me she had not received the information she requested and if I did not send it they were going to close my file. The next day I called her on the phone to see if she had received the information and she asked if I had read her email. I told her that I was at work and can't check personal emails until I get home.

She said she had received the information and was sending my file to the underwriters. This was on the afternoon of November 7, 2011. I received a letter in the mail on Saturday November 12, 2011 that was dated November 8, 2011 that my loan modification was not being approved due to some information that was not available.

I find it difficult to believe that a company that has taken 6 plus months to get all of the paperwork together for this modification is going to receive a file and make a decision in less than 24 hours. I think that there is negligence within the CitiMortgage staff. The Obama plan is supposed to help us keep our homes. You would think a loan institution like CitiMortgage would rather work with people so they the institution can get their money, and not be saddled with another house to sell!

Early September, I spoke to Jason ** about refinancing with them since I have been with them for several years. Mr. Jason ask me several question and an application fee of $400.00, appraisal was completed. So he gave my application to another person name John **. John **, skeptically not knowing that just today, he ask me a question that was already taken care and was in the file. The amount of fund in the bank. I reminded Mr. John that this example of today discrepancy is what I have been experiencing earlier September with Jason **.

I am a disable Veteran, retired after 29 years of Service. I wish to recover my application fees and go else where. I am afraid that it is not possible, since Citibank has me tied down. Meaning, I would lose my Application fees if I chose to go else where. This is not acceptable. What can I do?

I have had the most awful customer service and experience with this company. After 6 months of applying and re-applying with no response and no clue as to where the documents are that I had provided on over 6 separate occasions, I am starting to wonder if it may just be easier to give my home back.

Our story begins with the lender before CitiMortgage, but ends with their apparent incompetence. Due to adverse financial circumstances, back in 2006, we refinanced our home on a variable rate loan with another lender to avoid the necessity of filing bankruptcy. We knew that the terms of our refinance were not good, but it provided us an opportunity to shore up our finances to refinance again later under much better terms. Within 30 days, our loan was sold to CitiMortgage and they have been the service provider ever since. Then the market started to tank, leaving us with negative equity.

Despite significant improvement in our financial situation, CitiMortgage refused to talk with us about refinancing the loan. They only offered ridiculous forbearance programs and insisted that we were not eligible for modification due to our good payment history. Then after the first two years of fixed rate payments ended, our variable rate kicked in, increasing our payments by over $400/month. We started slipping backwards again. We ended up always struggling, and often making payments to other creditors late. We downsized on all that we could, but the excess mortgage payment put us too far behind to catch up even after our variable rate dropped again. We were facing bankruptcy.

Taking that realization to heart, we decided that because 'we had a good payment history that made us ineligible for modification', we would change that. So we stopped paying the mortgage for five months! Their first response to this as usual was constant phone calls, threatening letters, and complete inflexibility aside from forbearance. They did not even start talking about serious consideration of modification until we were 60 days late. Then of course, we went through the same thing everybody else seems to with an endless string of calls and lost documents etc.

Fortunately the handler of our modification actually stayed with the company long enough to see it through to our trial payment period of 3 months. So after 5 months of not paying, we began making payments again for the next 3 months. Meanwhile, we neither hear nor see anything from CitiMortgage regarding the status of our modification. Having read the experiences of others' denials after being lead on by CitiMortgage, we assumed the worst and stuck to the letter of the trial period agreement by ceasing payments again. It takes another 2 months before they even contact us again! (We of course having given up on attempting to contact them due to the massive runaround we regularly received.)

So when they do contact us again, they actually have a complete modification agreement ready for our approval. And while it did provide us with a significantly reduced fixed rate of 6.125%, they also were nice enough to tack on the arrearage for all of the prior missed payments. Lucky us. Now the house we were only underwater by 15% or so on is closer to 25% underwater. Meanwhile, other open credit lines have exercised their right to jack our interest rates up to as high as 29.99% because all of these missed payments have destroyed our credit rating! So payment-wise, we ended up no better off than we were before, but with destroyed credit and little chance to recover. That wasn't exactly helping the situation! Regardless, we were happy to have more favorable terms on our home to move forward with, so we filed for Chapter 7 bankruptcy and discharged all but our vehicle loan that was reaffirmed.

Flash forward to today, 7 months later. We have continued to make payments under the original agreement to satisfy the lien that remains on the property, inquiring repeatedly about establishing terms for a new note. But CitiMortgage is unwilling to talk. All they are willing to do at this point is take our money while applying early payments improperly and assessing late fees for the trouble. The last representative I talked to would not adjust the late fee and the refinance department person advised that they won't talk terms until 2 years after bankruptcy discharge. Well it's a fat chance that we are willing to wait that long while they ** us on improperly applied payments! We were not late but they charged us a late fee anyway!

I was forced into a Chapter 13 Bankruptcy since Nov. 2008 due to a land investment gone sour. I lost almost everything. In efforts to save my home, I became employed full time and started reconstructing our lives. The arranges were handled through a trustee and I tried to apply for a home remodification. I received a call (July 2008) from Citi Mortgage. I spoke with agent Micheal ** at ext. **. He said he has good news. He said that my modification was a go with a rate of 2% including tax and ins., $961.01 for 5 years, and a rate hike of 1.25% yearly, not to exceed a 6.3% cap with a maturity date of 40 years. I was placed on a 90 probation period and to expect a package within 30-60 days. Sign and return were the instructions. Well, excited and relieved as my wife and I have small children, I began making the on time payments. We prayed and the prayers were answered as we restarted our new lives.

After a couple of months, I called Citi to find out where the package was that we had not received yet. I was told that the bank was behind with the packets and to give another 30-60 days for arrival. I asked if all was okay. I was assured all was well to continue making the agreed modification payment. Well, I paid the new amount monthly. But then after 6 months without a packet, I became worried. I called to speak with Michael ** but he was no longer with the bank. Redirected, I was now dealing with Jesus ** at ext. **, when I was politely advised that the bank has had problems with the entity sending out documents and that it won't be long. I was told to be patient and to continue making the modification payments. All I did was follow the bank's lead to our demise. After months of trying to get this package, we were told by Mary ** of Citi Mortgage that the package was sent to our Bankruptcy Attorney James **. Mr. ** never received this package nor did we. I was told another request will be made, that many people have had the same delivery problem.

After about a year and 3-4 months and no word from the bank so far, my wife made the usual monthly payment by phone. A Citi agent told my wife that the payments to that department were no longer accepted as we were denied loan modification. What?! It was a year plus later with payments on-time every month. We got no packet, no word, nothing. Shocked, my wife said, "What happened?" The agent said that a "letter (denial) was sent to Mr. **'s office a month ago", meaning September 2010. Mr. **, our attorney, never received such a letter. And I never would believe that a giant such as Citi could be so unorganized. A year and two months after making faithful payments, the bank pulled the rug out from under us, just like that.

We tried to plead with the bank. They said that the new modification products are now available, that we should not worry and re apply. Well, it has been application after application. And even recently (last 4 months), we hired a re-modification company who also failed, as the denial letter received today says it was denied due to lack of documents in the 30-day period allotted. We were led to believe in the bank back in July of 09 when we were only behind a couple thousand dollars. But after the bank's game, we are now in the arrange in excess of 40 thousand dollars. Is this legal? Are there any affordable solutions for my family and me? Please help me.

I am a long time customer of CitiMortgage when my Countrywide mortgage was sold to them in the early 2000's. I have since refinanced with them and I have to say between my refinance of 2009 and today, late 2011, CitiMortgage has become a horrible company to deal with, completely different level of customer service. CitiMortgage couldn't care less about my being an existing customer who has a fantastic track record of always making mortgage payments, property tax payments and insurance payments on time. Not to mention having refinanced with them once before. As far as they are concerned, they couldn't care less. I have found their staff so busy as to be not only indifferent but wrong on their facts, not telling correct information and basically committing fraud and bait and switch.

From the beginning, I have been pressured every step of the way that I had to move fast and only had a day or two to get them the information including the approval to proceed or the lock on the loan would be in jeopardy because of how long it takes to process (why is it my problem that they take so long). When I had questions I couldn't get answers, I couldn't even get someone to respond except after the 5th or 6th time I tried contacting them. They apologized because they were so busy, but again how is that my problem and why am I being punished for there failure to manage their business? They had the settlement wrong and switched me from being the payee to my creditors without my consent or informing me until the actual day of closing. I had refinanced to take out additional money on the equity of my house to pay down debt, but I was supposed to be the payee.

What is worse, they informed me that I had to pay property taxes because it is CitiMortgage policy that if they are due in 60 days, they must be paid by or at closing. Again not disclosed until the day of closing, when the title company calls me to inform me I owe this amount. This company has on 4 or 5 occasions now approached me for more information or on day of closing that I owe money and then informs me I must respond immediately or my loan is in jeopardy. Does anyone else see that being any less that high pressure sales tactics? And by the way, the additional amount was supposed to be made out to me as discussed with my loan officer initially, but because my debt/income ratio was 42% instead of 40%, the underwriter decided it must be made out to the credit card companies and not to me; again this was not disclosed to me until the day of closing. Am I wrong or is this not reprehensible behavior on the part of a large mortgage company? Is any of this behavior illegal?

I have cancelled the closing, I'm going to do business with CitiMortgage. This is a huge financial hardship and we're out of money because of them, but CitiMortgage has been outrageous from the beginning and I can't do business with this company. God help all their loanees.

In Oct of 2009, my husband lost his job after 23 years. I called CitiMortage to inquire about a Loan Modification. I was told that we were not eligible and that we needed to be behind at least 30 days. We continued to make our regular scheduled payments through February of 2010. At that time, all our savings were gone. So again, I called CitiMortage and was told we were not behind, but this time I was told not to make my March 2010 payment and to apply for a Modification. So that's what we did.

It took CitiMortage over a month to even get our Loan packet to us, and once we received it, we sat down and started going through it and obtaining all the documents they required. All were shipped off in there return envelope. A week later, I called the number provide by them and was told my packet hadn't been received. I gave it a few more days, called again, still no packet from us. The rep told me he was going to mail another packet and to complete it and mail again. We did that. This time, they received the packet. But they told me there was a document that my husband failed to sign. So they sent the form via email. I downloaded it and my husband signed it. I sent it back.

A week later, I received a call from someone named Ivy, who worked in the modification dept, and she asked me if I knew we were missing an important form in our packet. I said I was aware of it, and it had been not only mailed to Citi but I had faxed it as well. Ivy asked me if I had a copy. I said I did, she said please tell me it was dated last month. I told her it was. She asked me to fax a copy to her directly, so I did that.

Bottom line, our Modification was never completed. We made the payments at that time. We had to call them in, later we mailed them in the forms lost. We were even told by CitiMortage to hire outside help to work on loan modifications. Because of such, we struggled through until March of 2011. As my husband gained employment in Feb/of 2011, I had already backed out of the Loan Modification due to complete frustration.

Our file at that time was given to someone named Brian. I have made eight payments to date, received several threatening letters from CitiMortage and have brought those letters to Brian's attention. Every time he has told me to disregard them as long as I am paying every month. My house was not going into foreclosure. Brain now has our file, unbeknown to us, it was given to someone else. I have called this guy repeatedly, and CitiMortage employees have sent him priority emails. Not once had he acknowledged them. By chance, I got him on the phone (Philip) last Friday 10/21/2011. He said he didn't get any of my messages, nor did he receive any emails from any Citi employees. They he tried to strong arm me, said I needed to come up with $6,720.00 down payments and I had to pay CitMortage $1837.00 a month for 12 months. I told Philip that I could not come up with that kind of down payment. By Nov 1st, I was then told I needed to Short Sell my house. I hung up on Philip.

My health is not good by far, in fact I have Lupus Sle, and it's attacking my right Kidney. On top of that, I have hasimotos disease. So my thyroid is isn't working properly. At the moment,I was diagnosed with Sj/Syndrome a month ago, and I have degenerative disc disease. My medications are costly, not to mention the ones my insurance will not cover. He could care less. My husband is making good money, but we backed out of a BK, so with all the creditors, I pay back not to mention the extra money I was sending Citi, coming up w/a deposit and on such short notice was out of the question.

Today, I was so frustrated with all these Citi employees. I cried at my wits end, and not sure what to do at this point. If anything these people in the home owners Association Program are programed, not to mention heartless.

I applied for a modification for five months and they said all was fine. Then they said they made a mistake and they tried to foreclose on us. We had to claim bankruptcy. CitiMortgage is crap.

I am a disabled person without an income and since 2008, I've been trying to seek help from CitiMortgage to fix my 7-year mortgage to no avail and due to that, I have no income. I've been loyal with my payments. Since September 2011, they sent me a letter that I was delinquent on my payment which is false. I've been getting harassing phone calls about my missing payment for September. I prove to them over and over that I had made the payment. My bank also send them a fax of the check and they have been harassing me, which has cause me to get very sick.

I have a mechanical valve and repairs in my heart and an auto immune disease, due to the stress they have cause me to be more ill. I demanded to speak with a supervisor named Ken. I told him that if they didn't get to the bottom of this missing check, due to their neglect, I will sue them for all the emotional and physical trauma that they have caused me. Then he ask me for the check number and my checking number. He said that it was put somewhere else. They took two payments in August 2011 electronically out of my checking. One was on the August 1st and the other one on August 31st 2011.

First of all, I have never given them permission to take payments electronically from my account. I always pay them before the first of the month. Even though I have no income, I am a very responsible person. With an excellent credit.

It's been a nightmare for me. It's been horrible and I feel violated over and over again due to their negligence.

I am an existing customer for almost 10 years. I decided, back in July 2011, to refinance with Citi. Diana, who started the process, was wonderful but everything went down hill once my case was turned over to my loan processor, Amy **. I would leave several messages, several times a day, with no response. Her associates were wonderful, but their hands were tied to a lot of information needed from Amy. I would have to call Citi to find out what was needed instead of my loan processor calling me. There was absolutely no communication. I would be told everything was going through and approved, and then the underwriter would come up with requests of documents that should have been requested at the beginning of the loan process, not after my extension.

Yes, I was extended twice since these people couldn't get their act together. I was finally told to get in touch with Amy's supervisor since she wasn't getting back to me, but she was even worse. Michelle ** was very condescending and would not return my phone calls when she said she would. This has honestly been the worst financial experience I've dealt with. I feel like I'm in the Twilight Zone. I finally got a phone call today that I was declined over a private settlement letter made up between my husband and I. That is not legal and none of their business, but they insisted on seeing this letter written on a loose-leaf piece of paper and declined my loan.

I will add that I received two separate phone calls that my loan was approved 2 weeks ago and my loan processor would be in touch for the closing. Needless to say, she never contacted me. This whole process is one big circus. I do not recommend Citibank for anything. I will be refinancing elsewhere and can't wait to leave Citi all together. The one star is given to the associates.

Last year, I had my property taxes impounded into my monthly payment. From the moment Citi agreed to do so. I have had a nightmare. They will tell me this is your payment amount, I sent the payment and it turned out that wasn't the right amount given to me. It has gone so far as they were taking my payments and applying them to everything but my monthly payment. In turn, they're saying I am in default and want to take my house. I have a very low mortgage, put a lot down on my home. CitiMortgage would benefit greatly from taking my home. Please help!

I went through a housing counseling agency (ESOP) Cleveland to work with my mortgage servicer CitiMortgage. In May 2011, I submitted all relevant documentation and for 5 months, they kept requesting more and more documentation, one piece at a time. Finally, they said that I may qualify for the HAMP program and placed me on a three-month trial payment plan; with the payment due on the first of the months' of Oct., Nov., and Dec., 2011. I had already submitted documents. After 22 years on my job, I had to resign due to a stroke and I was receiving SSI disability. The added income was my mother's Social Security, which is dispensed on the 3rd of the month.

Before my first trial payment in October, I called CitiMortgage and spoke with Frank **, housing specialist. I pleaded with him to change my trial due date to the 3rd so that I could at least start out on making timely payment under the modification. He refused. So starting out, I am already in 'default' of my trial payment. Then instead of the 'making homes affordable' slogan used by CitiMortgage, my mortgage went from $515 a month to $740 a month (escrow) and I have to come up with an additional $2550 to put in escrow account (I fell behind in property taxes). If Citibank received almost $300 billion bailout from the federal government, how can they justify what they are doing to homeowners who are struggling to save their homes? All we want is an opportunity to regain our dignity and pursue the American Dream. Why is there so much greed when it comes to the banking industry? They have the bailout but as a struggling homeowner, what kind of assistance can we get to save our homes?

CitiMortgage kicked me out of the HAMP trial after I was told for months that there was no problem. I complied with everything; my application is in the final stages and should be approved for a permanent mod shortly. After I was kicked out, I became 100% disabled as a Combat Vet. In March, I reapplied for another mod and they said I make too much money all that is available is foreclosure. I called again in Oct 2011 and they said I could apply. They could not give me a reason why I was kicked out of HAMP. I made all payments, until they started sending them back in March 2011.

CitiMortgage purchases our mortgage from Nationstar Mortgage, in August 2011. We made our July payment to Nationstar, as requested and our August payment to CitiMortgage; however, CitiMortgage says that they never received our July payment; therefore, we are in arrears and continue to get nasty letters from CitiMortgage, for the last two months about them foreclosing on our home.

We are not late on any payments, this is an issue between Nationstar and Citi. However, after sending CitiMortgage, our account statement from Nationstar and sending canceled checks to prove that we are current with our mortgage. CitiMortgage continues to send letters about short sales, foreclosing and hurting our credit score. This has been going on for two months, with a number of phone calls and letters but nothing is resolved. If possible don't ever use this mortgage company.

My wife and I took out a mortgage on April 30, 1996 for 15 years with Associates Mortgage in Baton Rouge, LA. They sold our fixed mortgage to CitiMortgage in 2000. But after they took over, they started charging simple interest. We never signed any papers. The mortgage payments were $749.00 a month with a $15.00 late fee. I paid 74 payments of $800.00 and it was supposed to be paid off in April of this year. I have asked for information but they won't give it to me--receipts and canceled checks back to 2002.

If I could give their insurance loss department a rating it would be a negative number. Everything they do takes 3-5 working days and that includes getting a fax off of the fax machine. We had a windstorm come through in mid July and 3 months later we still haven't received any money that our insurance company sent them for the damage repairs. So far I am out of pocket over 8k for a new roof and miscellaneous repairs. No one knows anything or they give you scripted messages to appease you. I am beyond frustrated with every one of them and they obviously really don't care if their collateral is protected. They just want to keep the money floating in their pockets.

I have a home loan with Citibank. I had a contractor working on my home to complete home improvements. He was fired because he could not secure permits. Before he was fired, he submitted a sales estimate in the amount of $24,046.71 for supplies. This was not a purchase order receipt and the check was withdrawn and made out to the supply company by the name of Window Galleries. This contractor never purchased the supplies and cashed/deposited the check in Bethex Credit Union. I found this out after requesting a copy of the canceled check. The signature was that of the contractor.

I called Bethex Credit Union, gave the account number and asked how was this contractor able to cash/deposit a check that was not made payable to him. They advised that I needed to contact Citibank and have them do the fraud process needed. Bethex was not able to discuss the account because I am not the account holder. I called Citbank and was advised that there wasn't anything they could do and I should contact an attorney. I am still responsible for this money even though I have not received the supplies.

I thought Citibank would be a little more helpful with my case. I have gone to the police department, district attorney's office and consumer affairs and I am being told that I should get help from Citibank to prosecute not only the contractor but the teller/representative at the other bank. Would someone please advise on how to proceed?

I applied for a loan modification due to a lay-off and I sent paperwork in early July. When I called to follow up, they told me that three weeks after they acknowledged receiving my paperwork that my claim was closed - no one called, no mail, no denial nor approval! Therefore I had to start the process all over again. With their stalling tactics, they made sure they got their payments.

Now it's in the hands of an underwriter but this is illegal and a definite stalling/delaying tactic. I have proof of my first application date and no one can give me a direct answer as to why my claim was closed without a decision.

We purchased our home through a VA home loan back in October 2001. We refinanced once again through what was to be still a VA home loan in 2005. We did this through ABNO, who later sold our loan to CitiMortgage. CitiMortgage added on a PMI. I argued for years to get the PMI removed but they refused. I tried going through the VA and was told that they were not supposed to do that, but VA did not give me the resources to get them to stop. I found some companies that could assist but they wanted hundreds of dollars down with no guarantee.

Citibank acknowledged that VA loans were not to have PMI but refused to remove them unless I paid out of pocket for appraisers and accepted what the terms the appraiser set the house in 2008-2010. During the height of the mortgage crisis, I finally got it removed in February 2011. I received a refund check for $33 when they charged me thousands. When I received the $33 check, my name was forged on the back of the check. Yes, I received the check with the endorsement already signed and with a handwriting much better than my own. (My signature is small with no loops). The signature was big with loops.

CitiMortgage stated that it was their policy to send checks in the mail like that so the consumer won't forget to sign. So, they are okay with having employees sign their customer's names to checks and send money in the mail that anyone can now encash. I have recently hit tough times. I called Citibank to explain my situation and will be unable to continue my mortgage payment here in the near future. I have received pay-cuts, no more overtime, and facing more pay-cuts to come in two months. They refused to help me because I am current on the mortgage.

My husband, Michael **, bought a townhouse at ** in 2006. He was retired and unemployed and Bayshore Capital and Tremigo Properties got him a loan for interest only for 10 years with the promise that they would get him a a 30-year loan shortly thereafter. I married him in 2007. In 2011, my business faltered and the house went from the price of $1,500,000 to $700,000 so I applied for a loan modification. We asked for the original note and the original application for four months now and got no answers.

At the end of August, we received a notice from BSI Financial Services that they were the servicer of the loan. I called Citibank today to see if that was true and they said that they sold Michael's mortgage to PIMCO, and I suppose that BSI Financial is the servicer.

Citibank, BSI Financial and PIMCO do not have Michael's note. Who do we get the modification from and who has the note to this home? How do we save this? What are Michael's options? Where does he go for help? The idea that we are out of the loop or control of this situation is boggling to my mind. To whom are we making the payments to? And what is our security in this home?

The bottom line is I am making a complaint and I want to know what to do. Thank you in advance for you consideration.

My story is pretty much the same as everyone else. I applied for a loan modification in January 2011 after a divorce. I was not late when I applied for the program. I sent the requested documents over and over and over and they continued to state they never received it. Then they tried to tell me that I owed $3,500 and was starting the foreclosure process. I contacted the attorney general in WV, they initially stated they could not help. I was at my wits' end. I sent my story to WDTV and they aired it as top story. The anchor, Brittany **, made a few phone calls and CitiMortgage approved me after all this time. The attorney general's office reopened my case and sent it straight to their lawyer! Please do not give up. Please see the following story. Email me and I will direct your stories to Brittany. She has saved our home.

My wife and I are divorced. But unfortunately, I am still on the mortgage loan. My ex-wife has obtained a modification back in September 2010, without my consent or signature. I was told I didn't have to sign, because we were divorced and she was responsible for the mortgage. But my name was clearly on this document and filled in where I was to sign. It was not a hard signature, but the document was submitted electronically. And it was filled in where my name appears. CitiMortgage refuses to acknowledge that this is fraudulent. They told me that the loan terms are better and I should not be concerned. I was signed on to a legal document without my knowledge or consent. I contacted CitiMortgage to get some resolution to no avail at this point. In my estimation, this modification does not exist if I didn't sign nor did I agree.

In 2009, my husband lost his job and at the same time our septic system needed to be replaced. I called Citimortgage and explained the situation. The representative said we can fill out a "modification" application and take care of the problem. I did not have to pay November's payment or December's.

I was concerned in December and called each week to check on the status. On December 24, 2009, at approximately 7:15 pm, I received a call from Citimorgage, and the representative said we were approved for the modification and that we needed to have our first payment in by January 3rd of 2010. She also suggested that we have it sent by 12-31-09 to assure that it would be received on time. The next thing she said is that paperwork would be sent to us and we needed to sign it (it was time sensitive) and to send it back in with the return envelope that would be included (overnight mail).

So I waited for the paperwork but never received it and called each day to check on it. I was reassured that it was going to be there. This went on for months. I would call each week and I would get the same answer. I did make sure that each payment went in on time each month. One week, I made my call to check on the paperwork and found out that Citimortgage sold the loan to Litton Mortgage. I had asked the representative, "When? I just called last week and I was to have received paperwork months ago regarding the modification." The answer I received was that the loan was just transferred and that Litton would be able to give me the paperwork. I asked what the amount was that Litton was given for a pay-off. She did not have any answers. I had to call Litton.

I called the number for Litton that Citimortgage gave me, and after 3 tries, they gave me the right number to call. When I called Litton the representative said that I had to call back on Monday because they did not have the information yet. I called on Monday and asked what the pay-off was. When they gave me the figure, I said it was not correct and I am disputing the amount. The Litton representative said he would send out a dispute letter. I said, "No. I would go on a website or just send out a letter." I was not waiting for anything! He gave me the address to send the dispute to and I did.

When Citimortgage transferred, there was an escrow amount that was not included. I was told it was being taken care of. I asked Litton representative on where to send the November payment? This next thing that came out of his mouth I just could not believe! He said to hold on to the payment because the loan was being sold to American Home Mortgage. I once again asked about the modification paperwork. I was told that I would receive it from American Home Mortgage. So, once I received a phone number from AHMS, I called and once again explained the events that have taken place. I was assured that everything was being taken care of and that it would be worked out soon.

I then received a call for AHMS representative, and she said I had to start from the beginning and fill out the modification pack again. So, I had no choice, I started from the beginning. To make a very long story short, I have sent in the information each time they asked (because they either lost, did not receive the fax that I sent several time and have confirmation, or that the information sat so long on someone's desk that it expired) and in a timely manner. I wish I had one dollar for each time someone said it was going to be okay. I could pay off what they say I owe and help a lot of others. I continued to pay each and every month.

In August of 2011, I received a call from AHMS (on a Saturday) and the representative said my home was being foreclosed on. I almost fell to the floor! She said that the last time I spoke to AHMS was on May 2011 and because of that, the foreclosure process was in place! I explained that I just spoke to AHMS and have emails and fax to back that up. She said to send that package all over again, and I did!

That next Wednesday I was served foreclosure papers. I could not believe this! What was going on? The payments were made each month, and I was doing everything they asked. The first thing I did was go to the computer and typed "American Home Mortgage - modifications and fraud". I looked and each and every complaint. For the most part, I was reading what my family was going through with each complaint I read. I called 2 Law Offices and set up appointments and also made an appointment with the Act 91 office. However, I did not stop there. I called my State Representative's Office and filled out paperwork and also the Governors' Office and expressed my concerns.

I went to the first appointment with the Law office and I was told, "You have no other debt. You have been paying your payments. This is just wrong." The second appointment was almost the same. When I went to the Act 91 appointment, it was there that I felt hope and that someone was truly concerned about what was going on. I explained in detail what happened from October of 2009 to August of 2011. It just so happened that the woman that I met with and I shared a birthday and it happened to be the day of my appointment. I knew that the good Lord was there.

I did receive a phone call from AMHS requesting additional information; however, my home was going up for a state sale in November. I did explain that I received a letter saying that the modification was denied because we could not pay the payment, even if it was decreased. I have been paying each month and never missed a payment from the time that Citimortgage gave us the amount to pay (Which was only a difference of about 145.00 dollars).

The person I spoke to seemed concerned, and I just hope that what she is telling me is the truth and not something just to keep me hanging on. I will update this as new information comes. May God bless all of us going through this and bless the people at the mortgage companies to do the right thing! (Please note that there is much more detailed information but I just wanted to give a summary).

Run from this company. Here is what happened to me. I started with a divorce back in 2008 and fell to a single income of course. I called CitiMortgage and explained my situation to them. We spent some time on the phone and checked to see if I could qualify for a loan modification. During the divorce, my ex-wife was staying in the house and some mortgage payments were apparently late, so I could not qualify to refinance the house at that time. Per several lenders, I had to make 12 months of payments on time to qualify for refinancing the house -- a property which I have had since 1993.

The CitiMortgage representative explained to me that the only way to qualify for the modification was to miss three mortgage payments. Well, I got no problem with that. I can catch up on other things that were suffering due to my situation. It was explained to me that during the trial period of the loan modification, I could not miss a payment and had to pay on time, or I would get bumped from the program. I was also receiving a lower monthly mortgage payment. After the modification, the amount would stay the same or would be lower, depending on my situation and what I would qualify for.

I started paying after the third month as instructed. I made payments over the phone, I kept track of names and the reference numbers for payments. After three months of paying them, I started to ask when I was going to get my approval. They told me to keep paying and that they were back logged. So, I did. During this time, I kept getting calls from CitiMortgage representatives inquiring about the account. They would read their notes and say "Oh, I see your getting a modification.The paperwork is being done and reviewed. So, you should hear something soon".

Every few weeks, I would received some calls. And I started getting door knockers. I would come home and see the door knocker. Then, I would call them. It turned out that the door knockers would determine whether someone is still living in the house. They would also take a picture of the property, which they charge you for.

The representatives would tell me that they needed my tax forms and a 4506-T form for the IRS. Okay. I sent it. Another month or so, they needed something else. Then they needed more pay stubs and another 4506-T form. They said that those that I sent them were only good for three months and they needed the documents that would be good for six months. This was becoming a crock! They asked for another copy of my divorce decree. I sent it through fax again! There were always some excuses with these people. I sent them, via fax, the required documents so many times that I started keeping track of it. Sad.

Then I received a letter stating that they have denied my loan modification. I immediately called them and had the representative enter a dispute. Not only did I get a letter of denial from CitiMortgage, they wanted me to pay almost $4,000.00. It turned out that not paying your full amount can bite you in the behind. Due to the fact that I was not paying the full amount during my trial period, which was supposed to be only three months and now, turning into 18 months, I was late! There were late fees and attorney's fees for each month! Also, they reported it to all three credit bureaus. So, now it shows that I am monumentally late for 180 days+.

My trial period amount was a $22 difference. Doing the math, that is $22 times18 months equals $396! I never recall being told that if the modification is denied, I would have to pay almost $4,000! Not to mention, when this whole thing started, I was told I had already been pre-screened for this loan modification and was told that I qualified for it. Otherwise, I wouldn't have done it.

After hanging up with CitiMortgage, I called Family Housing Resources, a non-profit Government funded assistance program for home owners, to explain my situation.

I made an appointment and spoke with the default counselor. Apparently, it is against the law for CitiMortgage to advise their customers to miss three mortgage payments. If you missed two payments, you are still qualified for modification. However, missing the third payment gives the mortgage company the right to run a loan modification and a foreclosure at the same time.

So, CitiMortgage ended up re-opening my modification. They asked for everything all over again -- bank statements, pay stubs, taxes for the last two years, bankruptcy paperwork, divorce decree and some others I am forgetting to mention.

This whole time, I have been asking to get my ex-wife removed from the house. It is in the divorce decree that I got the house. To make the long story short, she kept her business and I got the house. After doing this for over a year, I got an approval and received the documents via UPS.

I looked them over and my ex-wife's name is on it. Well, she is not going to sign this (my ex-wife and I do still talk). I sat down and wrote a letter to Karen Hernandez, who was supposed to be reviewing my account according to the letter I got. I explained to her that this is all becoming a continuous nightmare. I sent the paperwork back without signing a thing.

Days later, I got a CitiMortgage call in the evening while driving home. The rep started asking me for money and I just went off. I know that there are notes in their system for my account, they just don't read them when the auto-dialer calls you. The rep told me that I can't have my ex-wife removed unless I do a quit claim deed. It is not true either, by the way. He told me that I could have signed the paperwork myself without my ex-wife's signature. I told him that nowhere on the paperwork they sent said something about it. Not to mention, the documents that I had received said there were some amount to be paid. However, I and some others I had looked at the documents could not find an amount.

My account was turned over to DeTreece ** (1- 877-245-2511 ext 2201164 and fax 866-457-5981) of the Executive Response Unit. DeTreece ** was going to handle my account from here on. Finally, I got one person to talk to! She said that I had to send all the paperwork all over again! I told her that the documents are getting old and it would be the last time that I would send the information. So, I sent her, via fax, the 55 pages of the information she requested.

I wrote a letter to the Arizona State Attorney General's office complaining about the way CitiMortgage handles things and does business in AZ. I stated that CitiMortgage had misled me in believing that missing three payments was the only way to qualify for the loan modification. I also stated that the default counselor said it was illegal for them to do that.

The State Attorney's office just forwarded a copy of my letter to CitiMortgage. I got a response saying that they looked into it. Then I received a letter from CitiMortgage, which stated how they attempted to reach me on certain dates and times. They said that they researched my accusation about their representatives telling me to miss three payments and found nothing. I was shocked to hear that!

Here is the thing. I work for another call center with a different client etc. We are instructed on what to say, how to say it, and when to say it. It is a script that employees have to follow. The script is developed by upper management. The script goes to training representatives who are taking calls. It is a policy -- a policy that would mean a lot to your job. If you don't follow the policy, you would lose your job. I know people here in the town who are working in a call center for Citi. They handle Citi mortgages and Citibank credit cards. There is a fraud department and more. Some of these people even work from home.

If you call customer service anywhere and ask to speak with a supervisor, I can tell you there is no guarantee you will get one. In our office, there are times that there are no supervisors around and we just pass the call to another agent that is smarter than the one you were dealing with. You may go from an agent to a coach or team leader. You should get a direct phone number and local extension from them. While they are doing a research or whatever, use another phone and check the number. Sometimes the phone number they give you is for another department or for a different place like Florida, North Carolina or Arizona.

I was at the point of not talking to CitiMortgage. Back in the second week of February this year, I was told that someone would be in touch with me within three business days. On March 3, I received a message from Ms. ** of CitiMortgage. What do people would think when they say three business days and it turned into weeks? We can't do it to them!

I spoke with a few real estate people to inquire about short sales, foreclosures, and selling the house. And how each of them would affect my credit. Short sale dings my credit for a year while foreclosure for two years. This whole thing will also affect my ex-wife's credit since her name is written on the original loan. The people whom I spoke with agreed that not paying CitiMortgage was the next best thing. They knew people who are living in their house for years without paying and still waiting to be foreclosed. I stopped paying CitiMortgage in March of this year.

I keep getting doorknockers and I called them. They told me my loan modification is on the underwriter's desk for review and I should hear something shortly. Then they told me that I owe them $7,000.00 now. I asked the rep how could it be.The whole process should only take three months, not years. And why should I pay for their mistake, which is dragging this out for so long. I said that it didn't matter since it was going nowhere. Asking for a supervisor would really get me nowhere.

After a month, I got a letter from John ** who is also from the Executive Response Unit of CitiMortgage (I never received any communication that my account was turned over to someone else). It is a denial letter for my loan modification. His letter states that they need a quit claim deed or a copy of my divorce decree. What? I exclaimed.

I called John ** and left a detailed message. I mentioned that I was not informed that the person who handles my case and account was changed and that I would like to speak with him. I also asked if he thought that this process would have gotten this far (two years) without the divorce decree in their system. Then I came home and found another door knocker. On 07/29/2011, I called CitiMortgage and spoke with Sharon. She said she would e-mail John ** and would ask him to call me back within 24 to 48 hours. However, I never heard any word from him.

On August 8, I received a letter (dated August 1) from CitiMortgage stating that I have ten days, from the date specified on the letter, to fill out another application to get the whole process starts again. The problem is that I only have three days to do it. After all, the letter was dated August 1. I have to include my two most recent pay stubs (which is one of the reasons I fell behind) and a financial information from all borrowers who signed the original loan. On August 11, I sent the required documents via fax. I provided them these documents before many times. Federal Housing had also sent these documents to CitiMortgage while I was under their housing assistance program.

On Friday, August 12, I received another letter from CitiMortgage stating that my mortgage is still in default and has been referred to attorney's office in San Diego, California for foreclosure processing. I got this letter the next day after sending them what they have asked for. So, I called the attorney's office, Pite Duncan LLP (858-750-7600). My call was passed around and eventually connected me to a company called Cal Western (619-590-9200). Then I spoke with Lani.

Lani said that they have received some documents from CitiMortgage, but not all of them. Once they receive all the documents, they will file for a foreclosure sale. I would have 91 days from the date it will be filed. They will notify me through mail within 5 days of the filing.

I have been searching the web for someone doing a class action lawsuit against CitiMortgage here in Arizona, but have not been able to find anything. I do not have the money to take it on alone or at all really. I have found other suits filed in California and New Jersey. Reading the docs, you can see exactly what is happening to the people. The same thing that is happening to me.

It makes me feel so mad that even after all of this, they are proceeding with a foreclosure. The house is not of the same worth of what I owed from them. So, selling the house would only incur loss to CitiMortgage. Now, how much business sense is that? You have someone willing to stay in the house and wanting a lower payment in which all they had to do is to move the three payments to the end of the loan. If CitiMortgage had just left my credit rating alone (and after a year and a half of paying on time), I would have been able to re-finance the house under own name (without my ex-wife's name on it).

I called the attorney's office the other day to inquire about doing a quick sale, so my credit would take a year hit instead of two year's with a foreclosure. They provided me with a sale date of November. This company really stinks and no one should be doing business with them.

I contacted several Government agencies here in Arizona as CitiMortgage's business license to operate in Arizona is about to expire on 12/31/2011. Obviously, I can't stop that. Run from this company. Don't believe on what they tell you over the phone.

I am in need of and qualified for a loan modification. So far, CitiMortgage has violated RESPA by not acknowledging my QWR within 20 days, and not providing an answer within 60 days. They are engaged in deceptive practices by having an employee tell me verbally that I don't qualify (which I do according to the government rules, but they just don't want to help me). They did this so that I'll stop pursuing my modification request. They employed stalling tactics, so that they can initiate foreclosure proceedings before acting on my legitimate modification request.

My husband and I refinanced our home in October 2007 through Citicorp Trust Bank FSB. Our loan is now being serviced by CitiMortgage. We had a home equity builder loan and our loan payments were $918 bi-weekly.

When we originally refinanced our home, these payments were affordable and our loan has not ever been paid late. On May 15, 2008, my husband Dawayne ** was laid off from his job of eight years. We had mortgage insurance through our loan, which paid our mortgage in full for 12 months. The mortgage insurance started making payments to our loan August 2008 through August 2009. We were told that we had to wait 90 days before the insurance company could take over payments, so June and July payments were paid on time by us.

September 9, 2009, I called CitiMortgage regarding available Hardship Modification Programs. At this time, my husband was still collecting unemployment benefits and I had just returned back to work from maternity leave. A representative informed me of the Home Affordability Program. The representative said we could lower our interest rate down to 3%. The representative asked some questions regarding our income and based on the information that I gave her, she said we did qualify, but they would need to verify all information that I had given her before the modification would be approved. The representative said in the meantime, the company has to set up three monthly trial payments. She stated that an HAMP information package would be sent out to us via UPS.

I asked the representative what would happen if we were not approved for the modification and she assured me that we would be approved and if for any reason we were not approved, our loan payments would go back to the original amount and what amount we owed during the three-month trial period would go to the back end of our loan.

I did call back to ask about other modification programs, but was told that for a rate modification, our credit score would need to be over 560 and to refinance our credit score would have to be over 530. I was informed that at this time, our scores were not high enough for a rate modification or a refinance. So we decided to go through with the modification process. The representative said no payment was needed at this time and our first trial payment would be $818.19, due on October 10, 2009, 30 days from this time period. Listed below were all the calls that I documented (I'm sure there were more) regarding our modification.

On October 1, 2009 I called CitiMortgage (Loss Mitigation Department) and spoke to a Joshua. He stated paperwork was mailed out on 10/01/09 via United Parcel Service; we should be receiving the paperwork shortly. On October 10, 2009, I called CitiMortgage back to make my first modification payment of $818.19 and to check on the status of our modification paperwork. Payment was taken over the phone. I asked the representative about the HAMP paperwork and he said paperwork had been mailed out. I let the representative know that no paperwork was mailed to our home and he said he would request the paperwork be mailed out again.

On November 9, 2009, I called CitiMortgage to make a payment and to inquire about modification paperwork. I was told that the paperwork had been sent out on October 30, 2009. Payment confirmation number 14218900. I was told to expect the paperwork within 15-30 days.

On December 3, 2009, I called CitiMortgage to confirm that trial payments were due the 10th of each month during the trial period. The representative told me yes and my trial period started in November. I did explain to the rep that I was told my trial payments started in October because that's when I made the first payment and he said no, trial payments began in November. So November, December and January are my three trial payment months.

On December 10, 2009, I called CitiMortgage to make trial payment for $818.19. Payment confirmation number 7118109 confirmed that modification paperwork was received via United Parcel Service. Paperwork was received 12/02/2009 at 9:44 a.m., signed by a person with the last name Colden. I was told that modification paperwork was being reviewed and I would be contacted if any further information was needed.

On January 10, 2010, I spoke with Myesha who took my payment of $818.19 over the phone, check # 1004, confirmation number 7455695. On January 11, 2010, I called 866.413.4560, Mortgage Outreach Services, and spoke with a Phil ** who told me all documents were in, no additional paperwork was needed. I asked does the normal process take this long? Mr. ** informed me that he did not know.

On January 11, 2010, I called back to see if I would get a different result and I spoke with a John, with employee number ** who also told me paperwork was being processed and that he did not know how long the process will take, but no additional paperwork was needed.

On January 15, 2010, I spoke with Earl in the Loss Mitigation Department. He told me that the modification was in the final phase, all paperwork was submitted to underwriting, and no additional documents were needed. The hold up could be that they were waiting for us to file our taxes to get a copy of our tax file and if that is the case, a representative would contact me.

On January 27, 2010, I called CitiMortgage and spoke with a Jeremy in the Loss Mitigation Department. He told me no additional documents were needed. On January 27, 2010, I called Mortgage Outreach Services 866.413.4560 and spoke with Yolanda, no additional documents needed for the modification. All paperwork has been received.

On February 9, 2010, I called CitiMortgage to make a payment of $818.19, payment confirmation number 7835198. Representative said no additional documents needed. I told the representative that I received a text message on my cell phone on 02/02/10 for additional documents, but she checked the computer and said all documentation had been received.

On March 10, 2010, I called CitiMortgage to make a payment $818.91, payment confirmation number 8202650 plus a $20 phone fee. March 22, 2010, I got a text message on my cell phone that our request was in its final stages of review.

On April 10, 2010, I called CitiMortgage to make a payment $818.91, payment confirmation number 8571118, payments taken by Armando. No additional documents needed for modification.

On May 10, 2010, I called Loss Mitigation Department and Shantel advised me that she could not take payment and referred me to the bankruptcy department (301.696.4053) to make payment.

On May 11, 2010, I called bankruptcy department to make payment. Payment was taken, with confirmation number 15542390. I asked about modification and was told modification still in process, account is in underwriting.

On May 12, 2010, I received a call from Susan ** from CitiMortgage Bankruptcy Department who requested additional documents. She said because our loan was transferred to a different department, we would have to re-fax all documents. I re-faxed all documents, updated month worth of pay stubs for Dawayne and I, two months of recent bank statements, 4506T, 2007, 2008 & 2009 tax returns, updated hardship affidavit and property tax statement.

On May 14, 2010, I called Susan ** (469.220.3568), left a message on her voicemail asking that she give me a call. On May 17, 2010, I sent a 24-page fax to Susan at 866.641.4350; she said she did not have all the tax returns. I re-faxed tax returns.

On June 10, 2010, I called bankruptcy department (301.696.4053) to make payment, with confirmation number 15753986. Modification is still pending. June 10, 2010, I called Loss Mitigation Department, no one wanted to speak to me regarding our modification or the process. When I tried to explain to the representative why I was calling, he hung the phone up.

On June 24, 2010, I re-faxed Susan ** all documents, 84 pages, which included everything including old faxed items. I called Susan and asked why do they keep asking for the same documents over and over again and she stated they hadn't received them. I gave her the dates on which I faxed the documents she requested and she then told me she did see them in the computer? I also stated to Susan that our bankruptcy was already discharged.

On June 25, 2010, a letter was dated to my attorney's office, (the Office of Lee **, **, NJ 08003). The letter stated that our modification request could not be approved under the government's Home Affordable Modification Program at this time. Our mortgage terms will remain unchanged as a result of my bankruptcy case; CitiMortgage is not attempting to collect a debt from us. It further states that the modification request was incomplete. We did not provide the company with documents we needed 30 days ago.

On July 7, 2010, I contacted one of the lists of agencies CitiMortgage included in the letter Consumer Credit Counseling Service of Delaware Valley. I made an appointment for July 26, 2010.

On July 12, 2010, I called bankruptcy department to make a payment and follow-up on status of modification. I was told modification was denied. On July 26, 2010, I met with Eddie ** from CCCS of Delaware Valley, who contacted CitiMortgage on our behalf because according to the government regulations, Mr. ** said we clearly qualify for the HAMP modification. While we were sitting there with the counselor, a Citi representative hung up on Mr. **. Mr. ** finally got in contact with a representative after several attempts who instructed him to go on Citi's website to submit application again. Application was submitted again on 07/26/10; follow-up appointment was given.

On August 3, 2010, I received a letter from CitiMortgage stating that we owe them $13,287.37, which needs to be paid by September 3, 2010. On August 16, 2010, I called CitiMortgage and spoke with a representative who informed me that our account was being handled by an account manager, Gwendolyn ** (866.702.5963 ext. 1801943). I left a message on Ms. **'s voicemail.

On August 17, 2010, I called Ms. ** again, at 11:39 a.m., left a message on her voicemail again. On August 18, 2010, Ms. ** called and left a message on my voicemail. I called Ms. ** at 11:50 a.mm and again at 3:03 p.m., no answer.

On August 18, 2010, 4:45 p.m., I spoke with Gwen ** (866.702.5963 ext. 1801943). Ms. ** informed me that our modification was denied because we filed bankruptcy. On August 24, 2010, I have called Ms. ** again several times, no return phone call as of this date.

We are not sure what CitiMortgage is doing. In the letter sent to our attorney's office, it states that the company is not trying to collect this debt, but sent us a mortgage statement for payments for June, July and August. I asked Ms. ** why we would be denied because we filed Chapter 7 bankruptcy. Chapter 7 has nothing to do with our mortgage. The reason we filed bankruptcy was because my husband had just found a job in November of 2009, (after being laid off for 18 months) and credit card companies started garnishing his wages. At this time we could not afford any wage garnishments because that would prevent us from making our modification payments.

Ms. ** said she did not know much about bankruptcy laws and that she would ask her supervisor, Naomi **. After numerous calls back and forth, Ms. ** did assure me that her supervisor told her that the reason our modification was denied was because of us filing bankruptcy and some kind of bankruptcy law.

I contacted our bankruptcy attorney, who told me that there was no such law and if there was, to ask to have it sent to me in writing. I have contacted CitiMortgage every week from this day to only have representatives hang up on me. My calls are not even being taken at this time.

I did Google some things on the Internet and came across a website called loansafe.org and it listed this number, 866.915.9417 option 4. I did contact this number on October 12, 2010 and this is when I spoke with Renee and was asked to submit this letter. We have still not resolved this issue. The last time I checked my credit report, it states that we are in pre-foreclosure proceedings!

I am so sorry we even applied for this modification. Clearly, this modification was created for people like us, and we cannot even take advantage of it. We have never been late on our mortgage payments, ever. This is the most stressful ordeal we have ever had to endure. Just when we think we can recover from an unexpected layoff, CitiMortgage is threatening to foreclose on our home.

We are hard working tax-paying citizens; I just cannot understand how this could happen. We will, however, keep trying to contact who we can, to see what can be done in this matter.

I would like to go straight to the point. City Mortgage is not a good company to deal with. They didn't give us our money back like they were supposed to do according to their discount coupons for appraisal. If for any chance you get Brandy **, do not deal with her. Run away from this company. My wife and I had the worst month of our lives trying to do business with these crooks from City Mortgage.

I have been in the modification process with Citimortgage since Sept 30, 2010. At that time when I applied, I was told we were preapproved for a modification. I told the gentleman I was working with, "Perfect! What are the terms?". He told me someone would contact me within 2 weeks. In the mean time, I filled out the Workable Solutions Package and sent in all documentation necessary. In 3 weeks, I had not heard anything and called them. No answer. Back and forth we began. Since then, to date I have over 60 phone calls to Citimortgage in which I initiated over 90% of them. Every time I call to get the status on my modification, I'm told more documentation is needed or they never received my most recent fax. I have faxed documents to them over 6 times now and they have everything just short of my blood type on file.

I am so frustrated at this point. I have been a mortgage processor for 15 years. If I had treated my customers the way I have been treated and talked to by Citimortgage, I would have been out of a job a long time ago. To top it all off, when I was able to speak to one of the customer service people, they told me what income they were using for me and my husband and what debts they were using. I lost all control. They were only using our net income which shorts our income considerably and they were also using a debt against me that is satisfied, and another that has only 3 payments remaining on a car loan.

Per FHA guidelines, they are to be using gross income and they are not to include debt if there is less than 10 months remaining. When I told the representative this that I was talking to, I was told, well we can have a supervisor pull your file and re-review it. That was 3 weeks ago and I am still waiting. They told me 2 weeks ago that we qualified for a special forbearance since our income was not enough. When I told them I was disputing my income, they closed my case! When I found this out, I demanded to know why and they said it was because I declined the forbearance. I told them never once did I use the word DECLINED, and they could pull every one of my phone calls to verify.

I demanded that a supervisor reopen my case and miraculously, it was done immediately. Now with my sale date 13 days away, I called Citimortgage to get the terms of the forbearance since this will be the only way to push the sale date out on my home. They were basically forcing me into a forbearance since they are not willing to work with the consumer to save their home. I have yet to hear back from anyone to confirm the terms. I am very upset that they were doing this to me and I even know the guidelines and they are not abiding by them. Does anyone have any suggestions? I'm so stressed it's beyond reality.

Our mortgage was sold many years ago to CitiMortgage and it has been a nightmare since. We have since learned they have done so many things they were not supposed to. We did not put 20% down. However, they did not escrow taxes and insurance. Our appraisal was "inflated" to make the loan work. They did not add in PMI. I don't even know if the original mortgage companies that held our loan are even still around. (It was sold twice before going to Citi.)

We have tried to modify. Their idea of a "modification" is to actually increase our payment.

We have several interest extensions (my husband was in a pretty bad auto accident). To "modify", they want to take the extension interest and add it back into the original balance and then refinance. Meaning we would be paying interest on top of interest.

My husband is a contractor and was laid off, so he started working for himself but lost half his income. We contacted CitiMortgage to ask about a modification and were told our payment is always on time. I then told the woman, "Yes, but we are behind on everything else." So I then started making just partial payments and called them back. We were finally approved for a trial period, but the payment was just slightly less than what we were already paying. So I called CitiMortgage again. The gentleman I spoke to was very rude. I asked to speak to a manager and was told that the managers do not speak to the customers. We just ended up making the trial payments and not knowing what else to do.

My husband has to show his income quarterly as being self-employed, but the woman at our local housing assistance who had been helping us, talked to someone at CitiMortgage and was told that at the end of our trial period, it would be re reviewed. We just finished our trial period and they called us and told us that our documents were ready to sign online there's no actual paperwork!

I told the woman that we were told it would be looked over again because my husband makes money some months and other months he doesn't. I told the woman it was unfair to look at just three months of income, especially since we just sent them our tax return that shows just how little we make. She said it was not looked at again and we had to accept it because we could not apply again.

We are still paying over $2,000 a month and a 4.95 percent adjustable rate. How is this helpful, as I understand that at the end of 5 years, our rate will be higher than what it was in the first place. With an income reduced by half, I'm not sure how long we can go on. We have no savings left and have been borrowing money from family. I told her all this while crying on the phone and she just did not care! Not to mention, when I called her back on the extension, she has left. Someone else answered and I asked for her, but he said he didn't see her at her desk. So I asked if I could have her voicemail and he said they don't have voicemail. I asked if I could leave a message for her with him and he said to just call back in the morning. I had my husband call back five minutes later and someone else answered and they found the women who had called for my husband. They just do not want to help people!

i morgtage with citymort. who after i fell on the job in 2009 feb i contacted city bank for help seeing that i had an insurance that covered unemployedment and disability as soon as i contacted them they sold the morgage to lpbs who started haressing me and now they are telling me they are going to for close on me even thou my morgtage is uptodate they refuse to honour the insurance

At the time, I was a first time home buyer. I don't know everything in buying a home. I went to Freedom Realty, which helped me get the loan. Shortly thereafter, Aegis Ego, the primary lender, sold my loan to CitiMortgage.

I thought that unusual, but really didn't question it. I believe that my lack of knowledge in buying a home was taken advantage of by these parties. They had knowledge at the time of running my credit report that I had outstanding debt, of child support, and a student loan, in which I am still in debt for.

I believe it was their obligation to let me know as a consumer that no matter how I wanted a home, I couldn't afford one at that time. They didn't do that. My home went into foreclosure. I couldn't keep up with the payments. They said I had collateral on the home, that's on my credit report.

I really do not feel like rehashing the horrible memories. I dealt with CitiMortgage for seven months last year in a desperate attempt to have my mortgage modified via HAMP. I was unemployed due to a company layoff. After over 50 phone calls, letters and fax, I never even made it as far as a trial period! In the meantime, I had to remit a $1200 mortgage payment. I eventually was in arrears and was only one month from losing my home. Fortunately, my employer hired me back and I terminated the process.

Unfortunately, my employer just laid me off again. My only income (when it kicks in) as before, will be unemployment benefits. I sure as hell do not want to re-initiate another modification as the stress, phone call waits, misinformation, untruths, loss documents and repeat of my story to over 20 representatives are too overbearing. I'll probably lose my home this time as I will not reapply.

I called Citimortgage back in March 2011 to set up a repayment plan because I was three months behind on my mortgage. They set me up on a payment plan that was unreasonable. The monthly payment was too much to handle and ended up making things worse financially. I called and told them that it was too much and the woman I spoke with set me up on yet another repayment plan but one that was more affordable. I made the first payment in April. When I called to make the May payment, the lady told me the plan had been cancelled. When I asked why, she said because I had not faxed back the agreement. I had in fact faxed the agreement back in April to a woman named Liz with a fax number that she provided.

I received no notification that it had been cancelled or anything. So at that point, they told me I had exhausted the amount of repayment plans allowable and now was left with trying to get a loan modification. I filled out the workable solutions packet online and submitted the required documents. I called back in late May to make sure the documents had been received. They were received May 17th, 2011. At that point I was told that I was waiting on being assigned a counselor. I had continued making my monthly payments as scheduled. My husband and I didn't have a problem making the payments anymore, it was just trying to resolve the amount we were behind from the end of the previous year. Anyhow, I called back every other day to check the status. I gave the same story to a different person. I was told it is still waiting to be assigned.

So on May 28, 2011, I get a message from a Tawana **, who was my assigned counselor. She left me a number and an ext. 18773090917, ext **. I called the number back immediately, and got someone else named Tawana. She said I'm sorry this happens all the time. You have the wrong Tawana. I explained my situation again and she told me she couldn't help me because she was not my counselor. She told me she would let the right Tawana know that I called and she should return my call. So I waited a few days and nothing. I called back on Jun 1, 2011 and talked to barbara in the home modification department. Keep in mind, I am calling the same number Tawana left and told me was her extension. So I'm talking to Barabara and telling her my story. She is very apologetic and tells me she will send Tawana an email telling her that I have been trying to reach her.

Barbara tells me if I haven't heard back in a few days, to call and ask for a supervisor. Once again, I didn't get a call and found myself calling again. On june 13, 2011, I called the same number and talked to Jonathan. Jonathan told me that barbara didn't follow the proper procedure on notifying Tawana that I needed her to get back with me. He told me that he needed to set up an "appointment" with Tawana to speak to me. Basically he needed to know what the best time for her to call me back was. I told him I was available after 430pm est. He said she would call me back within 72 hours. At this time,I also set up a payment for June and July. So 72 hours passes, and I received no call from tawana. At this point I am exhausted. I'm tired of calling, talking to different people, getting different stories, and not getting any results. I decide to wait about a week and call back on 6-22-2011. At this time, I'm told my review for a mod has been closed! It was closed on 6-14-2011. That is one day after I talked to Jonathan. Are you kidding me? Now what do I do?

I asked her why it was closed and she said it was because no contact had been made about the account. What do you mean no contact has been made on the account. I have called weekly trying to get this resolved. Tawana called me once! And that was the initial phone call that unfortunately I didn't catch! Iam furious once again but the rep. assures me that she is going to rectify the problem. She reopens the review, asks for my income and expenses, and tells me I pre-qualified for trad. loan modification. She then tells me to give it a few days and call back to see if it has been assigned a counselor. I called today to talk to someone about these little yellow envelopes that they are leaving at my door. It was the basic customer service number and the gentleman I talked to was horrible. he was very rude, probably the rudest person I have dealt with thus far. I asked him why they keep putting these things on my door.

He says because the account is delinquent. Yes, I am well aware of that. I explained how I call on a weekly basis to try to resolve this issue and I could understand sending someone out if you are unable to reach the customer. But, come on, I call every week! Seriously, it is a total waste of gas and money to send someone out to my house to out an envelope on my door to let me know my account is late. DUH!! I know this! I am just so aggravated that I can't get any answers and get this resolved. I understand that I am at fault for being behind on my payments, but I have been making regular monthly payments thus far and will continue to do so. All I want is a resolution and some to give me a straight answer.

All complaints re: CitiMortgage and home modifications are so very accurate. I hired an attorney after a year and a half of failed modification attempt with Citi. I communicated with over 60 people (I have names which I'm sure are bogus). It went to mediation finally but ended up nowhere. I keep offering a good substantial mortgage payment (which they suggested at the end of mediation), but Citi won't even respond to our attorney! That should be against the law! I started this whole thing trying to get help from Citi in March of 2009. Here it is May 2011. The emotional stress is unbearable.

Citibank is getting money from the Feds and then dumping clients to make it look like it was the client who has failed to keep up their new mortgage agreement. I had a bankruptcy which was completed over 9 months ago. I continued to make my mortgage payments although they hit the grace period at times. I did not include the home on the bankruptcy.

Once I finished the bankruptcy, I applied for the HAMP loan program and completed the necessary trial monthly payments. I was told that I successfully completed the process and I had an online account to make my payment through. Now, when the 1st actual payment is due on June 1, I can't access my account. I get hung up on or was transferred to collections then they would tell me that I need to talk to the bankruptcy department! I never received a physical new mortgage contract but they only read it online per their insistence. I was supposed to be able to download my own copy but can't even do that until now. Suddenly, everyone just disappeared who could or who was helping me. I believe that they are trying to cause clients undue duress by causing us to miss payments by not sending the statements and not letting me/us to do it via the online system. The bankruptcy department is rude with clients. Their attitude is pompous and judgmental.

I started my second request for a loan modification back around May of 2010. I spoke to several representatives. I would call and was told this is being worked on. However after a few months went by I found out they closed my request and did not notify me. After several more phone calls, I was able to reopen my request for modification, had a counselor assigned, was put on a 6 month forbearance plan. I was told once I completed the forbearance to call my counselor back and we would review my status and finish the modification.

I was told as long as I could bring down some of my debt during this time that I would be able to qualify for the modification. Now, six months have passed. I call to speak to my counselor who is no longer in that department. No new counselor was assigned to my loan. I was told to resubmit the request for modification paperwork with updated financial information. I did this on 3/23/11. As of 5/12/11 I have been told my request was lost, then closed, that it is being worked on, or that it is being escalated. I have even talked to supervisors. I believe that we will lose our home. I have talked to the several people.

I applied for a home loan modification. After lots of lost & missing paperwork, we finally started a long trial modification period (2009). We received a letter that our loan was being sold to Freddie Mac in Feb. 2010 (during the middle of the trial modification period. In June 2010, we received the final modification agreement, however my wife's name was misspelled and Citimortgage sent us new modification documents to sign, but those documents also contained clerical errors and finally in Nov. 2010, we signed correct modification documents.

Now we are being told that we are in default and the date of default is Nov. 2010 (the date our loan modification was sold to Freddie Mac). After several attempts by telephone and in writing, I finally spoke to a manager (Allen) who informed me that the reason we are in default is not because we were late with our payments but because of the clerical errors Citimortgage made on the first two loan modification documents. The only way for us not to lose our home is to pay several thousand dollars in late fees and penalties. I have contacted HUD, HOPE, Freddie Mac, the Federal Trade Commission as well as several other agencies who "all" say they cannot help us. I even wrote a letter to State Senator Al F** who never responded. Therefore, we will lose our home not because we missed or were late with a payment but because Citimortgage made a clerical error on two of the three final modification documents. Citimortgage refuses to work with us to resolve this matter.

We are in need of some advice, please. We have lived in our home for 12 years. We have never been late or missed a payment. I had a small business a few years ago and like many others I had to close and file a personal bankruptcy. My husband was not on it. The house was not on the bankruptcy, but it went to the bankruptcy division since my name was on it. This was 1 ago or more.

Our mortgage is with Citi Mortgage. In February 2011, my husband wrote out the house payment and sent it off. Then, we got a notice about three to four weeks later that said we were in default and had missed our February payment and was headed for foreclose. We called and they said it went into the "bucket" because he accidentally wrote it for 10 cents less. Yes, 10 cents! Really! So then they wanted to charge us outrageous late fees plus $15.00 for over the phone payment.

Finally, we got hold of a lady there who was very helpful and she also said that this is crazy and she couldn't believe it. She said we should not be in that division and she would contact them to get us out of that division. Well, she waived all fees and got February and March straightened out. Then, we sent off our April 2011 payment (the exact amount due for the month). It was cashed on the 11th of April. We called to make sure everything is okay. Guess what?! They say they didn't get the payment. I come to find out it was put in the "bucket" again and not applied to our mortgage!

To try and save my husband's credit, we had to pay April again and May plus late fees and a $15.00 over the phone fee. This is really crazy! Lots of stress, needless to say. We are thinking of getting an attorney. They have reported us to the credit bureau and have ruined my husband's excellent credit. That's going to be another fight.

Any advice? We can't believe this is happening. It's like a bad movie! We have overpaid the late fees that were not due! April was the exact amount and letters to foreclose! We will not loose our home because of a bank error. What about all our money that's in the "bucket"? Should we get an attorney? Any advice, please? This is really a true story. All because of 10 cents.

I cannot re-fi my mortgage. My income consists of rents I receive from rooms in my home. I cannot continue the mortgage payments much longer so I decided to call Citibank before I send in the necessary paper work required for a modification. When I called to tell them I would like to apply for a modification of my existing mortgage with them, I was asked what my income was and my expenses were. When I gave her the information, she put me on hold for about 2 minutes and returned to say that I was denied. When asked her why I was denied ,she didn't have any idea but I would get a letter in the mail. I plan on sending the necessary documentation to them to see what happens.

I received a letter dated April 7th from the Loss Mitigation Unit/Workable Solutions unit to contact them. I thought it was going to be about my modification application. It turned out that they were trying to reach me about modifying my existing payment agreement that had been put together last month. Apparently, it does not fall within the investor's guidelines. This is an FHA loan and I had already signed and agreed to give them a set payment on the 30th of every month with the next one being due on April 30th. They now wanted to charge me more and shorten the length of payment period. I asked them if they understood what breach of contract meant, but I don't think they get it. If you want to modify an agreement, it can't be less favorable and apply undue hardship on a party that is already complying with the previous terms.

Every month after the 1st, I receive a minimum of 3-4 daily recorded messages that my mortgage is late. My mortgage is not late until after the 15th of every month. I have called them back and told them repeatedly that I am not late nor considered late till after the 15th. I have repeatedly told them this is harassment. Harassment and undue stress for something that is not true. They have and do receive my payment before the 15th and they need to immediately stop harassing me.

Short story. I could not make mortgage payments due to a severe injury causing loss of income. Citi could not help with hardship as we did not make enough money to qualify. Home was put into foreclosure and we put in on the market to sell. A closing was scheduled for 3/31/11 and prior to, repeated requests were made by our attorney for the payoff amount. We were told we had to speak to the attorney holding the file. That attorney said the file was closed and was unable to assist. CitiMortgage will not help us at all. Numerous phone calls were made to various departments by our attorney, my husband and myself without any action. They state they are unable to contact the foreclosure department directly and communicate through email only.

The closing was canceled because of this and as of today 4/1/11, we remain without the requested documents.

I've started to send my mortgage payments via my banks bill-payer application biweekly. However, when I checked my CitiMortgage account online, I found that the payments had not posted correctly as payments, only as additional funds. When I called, I was told that they would not and could not post them correctly when sent this way. My only option was to pay them $375.00 to sign up and 1.50 for each payment for their biweekly program.

Citi would have let my account go past due affecting my credit and charged me fees had I not caught it. Charging me for something that I obviously can do is nothing short of extortion.

I paid my mortgage down almost 33% in nine years but they still refused to remove the PMI, using games to keep me going in circles. $1,200 per year X 8 = $10,800 worth of loss.

On 8/29/07, I bought a home. On 5/28/08 it was burned down. On 11/12/08, I got a check for 115,876.66 and sent it to Citimortgage to start rebuilding my home. I am now homeless. They kept the check and still calls me to pay a mortgage. Now I have my job back and as 3/22/11, I did not hear about my home being rebuilt and the bank has me homeless.

After the fire, I was jobless for over a year, no money to get an attorney I need to get the insurance co. to pay me for my house hold property and and the fact that I am still displaced, they did not find me secondary dwelling, they did everything they could to deny my claims. Please help.

Mortgage was under my husbands name, he requested a loan modification in May 2009. He passed away 3/17/2010, and at that time, I (his wife) found out that the mortgage was under foreclosure. We had not received any information about this, and now that he has passed away, they have requested a copy of the death certificate and any other necessary documents giving them the authorization to talk to me.

I have faxed them no less than 6 copies and each person I speak to say that they need a copy! Now there are over $10,000 legal fees attached to this mortgage, and after speaking to all these people about the unnecessary fees, all I get is, "so, what do you want us to do about that?" We have not received a statement from them since May of 2009, all they would say is "so what... Deal with it."

Citimortgage got money from the government, the big executives got big bonuses and this is how they deal with the "little people"? They are all corrupt and need to go to classes on their people skills and better customer service!

In Aug. 2009, I called CitiMortgage to inquire about a modification. They sent me the paperwork to look over. I decided not to go with the modification and I called them and told them that I would just keep my account the way it was. In the meantime, they put it in a modification and opened an escrow without asking me if I paid my taxes and house insurance, which I had already paid. My tax collector called me as did the insurance company and they said that they received a duplicate payment.

The tax collector sent them a check back registered mail and I sent them a check for the insurance company's registered mail. In the mean time, they did not close the escrow and I received bills for double my normal payment with interest. I was 1 month behind and I made two payments in Dec. 2009 along with the late fee. After a few months, they finally closed the escrow but I continued to receive outrageous bills and phone calls with foreclosure threats in the mail. I sent the research department and tax department registered and certified mail copies of all my bank statements, tax receipts, and home insurance receipts. It cost me a lot to pay for the bank statements, gas, time faxing, and registered mail. That was a year and a half ago.

I called them at least 3 times a week and spent hours on the phone literally 6 hours a week getting transferred, put on hold, usually disconnected, and then being told that it would be straightened out in 2 weeks. I am still getting foreclosure threats. I am still calling them to no avail. I got one bill saying that I'm 2 months behind and I owe about $1,500.00 and another bill saying that I owe $272.00. When I called to make my payment on the same day of every month, I get another amount that I owe. I explained the same thing to about 4 or 5 different people after hours on the phone and I always got the same result.

"It will be resolved in 2 weeks and we will call you every month," but they did not call me. This has been going on for a year and a half. I have MS and stress will put me in a wheelchair. I am almost pushed over the edge by this company. They saw the 2 payments that I made in Dec. 2009, but they didn't know where the first payment went. One time they told me that I had paid $487.00 too much but they didn't know where that went either. I have been paying my mortgage for 18 1/2 years and it is supposed to be paid off on Nov. 2012, and now this. I have sent them proof that I am not behind with payment, taxes, and insurance. I have cancelled all of my checks and this has never been resolved. My credit is ruined and I am having MS exacerbations daily due to this. What is left to do to get this straightened out?

It cost me hours and hours of time on the phone, MS symptoms, blurred vision, difficulty walking, pain, money sending fax, registered mail cost of duplicate bank statements, gas, and headaches. I live quite away from town so all of this has taken so much time with stress.

They took our home from us and told us to get out and we were not behind in payments. They claimed the house was financed wrong that it should have been under a recent home loan, not primary because there were snoh birds and the home was vacant 6 months a year.

I have been having a problem with Citibank mortgages. For the past year, I have been on the phone with escrow department in Citibank about shortages from my escrow. It all started in 2008 when I purchased a new home and the taxes were not correctly calculated. I knew of the problem right off the bat and contacted the lender to notify of the problem. It was never fixed properly and I sent them more money every month and lump sums of money to try to cover the amount. I am not disputing that I owe some but the money they are claiming is incorrect. It seems that they are charging projections of new year's taxes and the threshold that was needed for the past years. I have tried many times to explain the problem to them and they cannot help. There is no one that I can speak to in person in the state of NJ.

I, along with thousands of other people who have tried to get their mortgages modified, am being lied to by Citi Mortgage. Many of their customers, including myself, have been told that our loans were being modified, only to be told later that the modification had been declined for reasons that were fabricated by Citi Mortgage. People have complained on websites (Complaints Board and Rip Off Report among others) about what is being done to them. I realized that this bank has dumped money into every pocket in Congress. There must be someone that will bring this to a stop. People are losing their homes due to this bank's illegal practices.

Citi mortgage agreed to modify my mortgage May 2010. Since then, I have not received any statements. Each month, I call customer service, each month no statement. I mail checks and they take 10 days to post. I have to call the 800# and watch my account daily waiting to see if my check will post. In January 2011, customer service line tells me that my account was in foreclosure, and only the foreclosure team can send statements. My acct was not in foreclosure, but if they want my house, they can have it. I asked Citi mortgage today to send me a letter stating there are no processing fees of any kind if I set up my credit union to pay my account directly, twice a month, then I will not need a statement, and I will not have to worry about mailing a check. Citi mortgage cannot mail me anything saying there are no fees. They can only tell me verbally. That is not good enough.

I filed and was granted bankruptcy in late 2010 due to experiencing major economic problems. I knew it would take time to get back on my feet, so I asked my mortgage company to allow me to use my escrow funds to get up to date on my mortgage payments to Citi so that would be one less worry for me. I informed them I would plan to pay my 2010 property taxes to the city on a monthly basis in 2011 as this is allowed.

Citi Mortgage had collected almost $3,000 in my escrow account and sent a check to the City of Milwaukee to cover my property taxes instead of sending the check to me directly as I had requested both in writing and by phone. I wanted to pay Citi Mortgage instead of the property taxes in a lump sum with the escrow money. Citi ignored my hardship and my wishes for how money that belonged to me should be used. Now Citi is informing me that I'm behind on my mortgage payments and gave me a date in early February 2011 to pay the lump sum or they will pursue foreclosure.

My insurance company sent Citi Mortgage the insurance money. I fired the first contractor. We are in a court process.

We have most of the house built. The inspectors were there. Now the Citi Mortgage is not releasing the last $45,000 for us to finish the house. They say it is in their legal department however we can never talk to anyone in that department nor have we received any information. Keep getting the run around. I have a paralegal helping me but still no money. We have sent them all information they have asked for several times. They claim they don't receive them but we have proof they did. They are trying to steal the money. I am not behind in payments.

This is a crooked outfit.

Looking back on our bank records and comparing them to our mortgage statement, we have noticed that CitiMortage consistently posts our payment 1 day after it is deducted from our bank account. We looked at other credit accounts and payments are posted the same day.

Loss of household net income of $5,200.00 monthly since May 2010. Anticipating the shortage and in preparation to access any hardship option available, I contacted City Mortgage via phone by July 2010 to inquire/request 1-2 monthly payments deferral. Even though I informed them that I was unemployed and wanted to prepare with alternatives, I was advised by customer service representative (name could be provided) that there was no recommendation(s) available at the time because the mortgage account was up to date then. By September 1, 2010 I was still without a job and, as anticipated, the funds available did not suffice to satisfy our mortgage payment. Seeking again consideration to have payments deferral, I contacted City Mortgage again. This time I was informed that in order to reflect fault to the payment cycle, I must hold on and retry in 2 weeks further; therefore, I proceeded as advised.

Ever since and, to the present, I have been persistently and more desperately calling and intending to adopt the deferral options I'm only encountering barriers and no disposition. There are numerous obstacles from their customer service team. In two occasions I was induced to come up with a monthly payment as condition to be considered for the extension (deferred payment plan). Embracing hopes to survive the hardship I have borrowed the money required to meet the extension terms; however, the feedback corresponding to the petition have demonstrated to be more manipulating than responsive. By November 2010, when still debating alternatives, I was advised that authorization forms were required only to initiate the request to be considered for the extension, but these could not be mailed and were only available via fax.

This only option again limited my avenues because I do not count with a fax neither risk the exposure of confidential data while using public faxes. In good faith a relative offered her employment fax number along with her disposition to monitor the document. Only then I was able to receive the form which I proceeded to complete and fax back to City Mortgage within same day (11/23/10), hoping to conclude the preliminary requirements. On Nov. 27, 2010, I called again to obtain resolution; however, I was advised that income and expenses data was required (second time provided) in order to proceed with the extension "request".

Further attempts to obtain resolution followed almost daily until December 13th, 2010 when customer service representative "Erica" notified that my request was approved and corresponding documents required in order to seal the new plan were mailed December 10, 2010 to my residential address on file. At sharing my frustration with the representative, this one threatened aggressively stating, "Ok, I will now disapprove your request," and proceeded to hung up the phone without allowing response.

Seconds away from the incident I proceeded to call again, but the call was handled by a representative named "Maria" this time. When requesting the involvement of a supervisor, representative advised that there was no supervisor on site; however, she will forward request for a call back to customer when supervisor is available at the telephone number on file (verified). To date none of the telephones on file have recorded a call received from City Mortgage in reply. December 16th, 2010, I received correspondence from City Mortgage dated 12/10/2010. It was only informational and presenting the option of the extension for hardship customers in general.

December 21st (today), I'm attempting again to resolve this matter and spoke to representative "Samuel" who advised our request for the extension was denied. I deeply regret to conclude that mortgage companies like City Mortgage do not precisely attempt to assist their customers but more indeed neglect to explain and/or facilitate the access to programs and/or options enforced by the government intended to be available for their clients.

From an external view the mechanism and the dynamics applied by City Mortgage while managing these programs implies a sense of strategy or manipulation among guidelines and regulations inducing clients to invest a remarkable amount of time in their efforts to access the programs or even lose their properties as consequence of the barriers imposed and/or the psychological frustration while trying to achieve a resolution. Consequences have developed and escalated to impact and/or affect our finances and mental stability. The level of sensitivity and the commitment are both crucial and primary for our family of 6; therefore, the lack of provision and efficiency from City Mortgage has a damaging effect to our health.

When I refinanced my home, I was sold to CitiMortgage, would not honor my by weekly payment program from the original leaner. They lowered my monthly payment and now am charging me with over 900.00+ because they did not hold out enough money to pay my insurance and taxes. When I called, I was told that I was in the rears for only $533.36 on the escrow account. I am not pleased with this company because I have had nothing but problems since they took over my loan.

On January 2nd, I started a loan modification with lender Citi Mortgage. I have been getting the runaround ever since! I can't get a straight answer about this modification. I have sent them everything they have asked for and I call them two to three times a week to see if they have done anything!

When I started this process, I was told that I was on six months trial period at $1,035.91 but I was not told after the trial period that I had to go back to my original $1,337.19 payment. As a result, I received a letter informing me that I didn't send them $8,547.00. By the 23rd of December, my house would go into foreclosure!

I'm 71 years old and this is just not right. I haven't missed one payment of the $1,035.91 since the loan modification began!

These people, I believe, are dragging their feet purposely so they can put this place in foreclosure. I need help on this matter. I'm a widow on a fixed income as well, and it is worrying me not knowing what is going to happen! Something has to be done about this company. It seems strange that it should take one year to get this done!

My house will be going into foreclosure on December 23rd and I have no way to get $8,547.00 before that date.

My wife and I have have been paying our mortgage on time over the last three years. Our original loan was through eLoan then, I guess, sold to Banco Popular. But ever since CitiMortgage took over the loan, we have mailed in our payments. It takes them forever to cash the check. A couple of times, they have dinged us with late fees now.

Their claim is we mailed it in late. Not so. Their processing time is slow and when the check does get cashed, they have hit us with a late fee. I think this is just another way for the lender to take advantage of the consumer and make money for themselves by justification. When you call them, you either get a recording or bounced around from one person to another and eventually you will get hung up on.

In September of 2008, due to the economy I lost my job. I contacted CitiMortgage in regards to a loan modification. I was told that I needed to be 3 months behind in my monthly payment. I continued to make my monthly payments of $1187 a month even though I was only bringing in $1200 a month with unemployment. Keep in mind I am a single parent supporting 2 boys.

In September of 2009, I again called CitiMortgage and inquired about a loan modification. I was at that time placed on their forbearance plan and was told that if I made payments of $600 a month, I would qualify for the loan modification and it would take place within 60 days after making the 6 months worth of house payments. When the forbearance was complete (in April of 2010) I contacted Citi again. I was told they would send me out the packet for the modification.

On May 28th, 2010, I received a letter from Citi stating that I was behind in my house payments in the amount of $7000! I called immediately. The packet was dropped between the cracks and would be sent out immediately. The next piece of mail I received from them was a letter stating that I needed to contact the foreclosure counselor stated in the letter or risk foreclosure.

I placed the call immediately. For the next 4 months, I worked side by side with Deb. I began to panic as I was served with foreclosure papers and on the sheriff's sale for September 14th. She advised me to file a postponement of sale with the county which I did. We called every day. My paperwork was sent over and over again. I have faxed confirmations as well as read receipts. We would call the very next day and Citi workers confirmed the paper work was received, yet the next day I would receive up to 12 calls from them stating they had not received the requested paperwork.

Still today I receive up to 10 calls a day from Citi and some of them come before 8 am! The mortgage counselor told me that they would not do a loan modification because I have too much equity in my home and that they wanted it. With that, the counselor walked away from helping me any further.In November I requested that Glenda ** return a call to me. I called every day for 5 days in a row. She never called me back. I was then told that Clarissa ** was in charge of my account and things were ready to go to the underwriters. I placed a call to Clarissa to see what was up next for my account. I had her direct dial number as she was the one who called my cell phone before 8 am. I placed more then 5 calls to her and she never returned a call.

On November 6th, when I talked with Citi, they stated that a new packet had been mailed out to me. On November 11th I still had not received it, so I called. They assured me that it indeed had been mailed and I would receive it in the next 2 days. On November 23rd I finally received a letter from Citi requesting that I complete the packet and have it returned within 7 days from the date on the letter, that had this highlighted. The letter was dated November 12th, the post mark was the 15th, and it arrived in my mailbox the Tuesday before Thanksgiving.

November 12th plus seven equals to November 19th. I immediately called Citi and asked to speak with Clarissa **. That is when I found out a person by the name of Franklin was handling my account! Ironically enough there was no packet enclosed in with the letter. I received the packet on the 24th. It was sent UPS (overnight) to me on the 23rd.The person that I spoke to sent an email to Franklin while he had me on the phone, or so he said.

As of today's date, Franklin has not returned any of my many unanswered phone calls. On December 4th, I received another call from Citi. Again I requested that Franklin return a call to me. On December 6th I received two calls from Citi. During both calls I requested that Franklin return a call to me. While speaking to the person who placed the 2nd call to me, she placed me on hold for a very long time before returning to talk to me. She stated that Franklin had made a notation on my account that he spoke to me on the 30th of November.

This is so untrue. I have never, ever spoken to Franklin, period. She became very stern with me and said that Franklin would not note my account with falseness. Yet he did. I told her that he reported a false notation; she said I must be mistaken. I told her my cell bills will prove that I did not receive any calls from anybody on November 30th; she confirmed the date over and over that I did indeed speak to Franklin on November 30th. As of today's date of December 8th, I still have not heard back from Franklin. I know that there is a class action lawsuit against CitiMortgage. I have googled the case and read it in its entirety. If I was to change the name to my own, the story remains the same. I am not sure why all of us homeowners can't get together and take a big fat stand against these people who are playing God with our lives.

The next letter I received stated that due to my credit score my case had been closed. They have reported me to all the major credit bureaus and my home goes on the sheriff's sale on February 14th. I live in Minnesota and have to be out in the middle of dead winter with two sons. We have no place to go. All due to the shenanigans that goes on within CitiMortgage.

I contacted CitiMortgage in August 2009 to see if me and my family qualified for the Home Modification Assistance Plan. The person I spoke to said we did. They told us that they only go by our net income not gross. They told us that we would be put on a Trial Period. We had to make our trial payments by the 1st of every month and if we were late, we would be dropped.

I called back several times to make sure that we would qualify for a permanent loan modification. They said they don't usually approve for trial period if you didn't 99.9% qualify. My husband and I made our payments faithfully on or before the 1st of each month. In April of 2010, we received a letter of denial. The letter stated that we made too much income. The person I spoke to on the other line said they would put us through for a traditional modification. They could not accept a partial payment though we would have to pay the full amount we were behind which was $20,000.

This company is a joke! They have approved me for modification twice now and both times, they set up foreclosure dates within hours of telling me I was approved. No one in the company knows what anyone else is doing. Foreclosure doesn't know what Mod is doing; Mod doesn't know what Forebearance is doing and no one really knows what they should be doing.

It's sad and I feel like I'm going to lose my home over this. For almost 18 months (and 200 pages of documentation of poor calls, no notes taken on Citi's side, etc.), I have tried to send payments, been refused and turned down "because you're in modification." It's insane. I need help.

November 23, 2010, loan modification with CitiMortgage. When I first applied for a loan modification with CitiMortgage in December 2009, my payments weren't in arrears. CitiMortgage informed me that I could begin the trial modification period and make modified interest payments. CitiMortgage told me this without disclosing the possibility of negative consequences to my mortgage payment history and under the expectation that I would receive a permanent modification under the HAMP or other CitiMortgage loan modification program after I was sent a letter and a phone call telling me that I was in 4-month probation and that I had to make modification payments of $713.00 on time for the modification to be completed.

Several letters were sent to me telling me that more of my personal information was needed. I sent the information and payment that was requested each month until October 2010, the same information was requested and I therefore sent the requested information and payments each time.

Then I got a letter telling me that they sold the loan to IBM to be final on November 1, 2010. They were still sending me request for info as late as October 28, 2010. On November 1, 2010, I called IBM and they told me to call back in a week because they didn't have all my paperwork yet. On the 3rd of November (after the loan had been transferred), I got a letter from CitiMortgage saying I was denied loan modification and another letter saying I owed $16,000.00 (plus) due by December or I would be in default.

Now. I can no longer talk with CitiMortgage. I have to talk to IBM! IBM says I owe them $14,000 in back payments due by December 16, 2010. I wasn't behind when I went into this loan modification to begin with. Now after following all the instructions to the "T", they're telling me that I must come up with money or lose my house after doing just what they said make only the modification payments of $713.00 per month.

IBM now wants me to re-apply through them (IBM) for their loan modification. Sounds like a "catch 22" to me. What should I do now? I'm afraid to ask for any more help after what I'm going through now. I believe this constitutes the following involving CitiMortgage: Breach of contract, Breach of the Implied Covenant of Good Faith and Fair Dealing, Promissory Estoppel, Violation of California Business and Professions Code Section 17500 et seq.

Our nightmare starts with my husband getting fired for a Work Comp injury on August 12, 2008. Then our economy going into the tank thanks to... We made payments on time, were never late. He was released from Work Comp on Feb. 14, 2009. He was looking for work during the time he was on. Potential employers told him to call after he was released. He started calling those employers back. By then the economy had taken a turn for the worse. We were still OK.

*August 2009- Full payment sent in.

*September 2009 we contacted CitiMortgage regarding our payment, at first they told us we had to be 3 months behind before they could help. I kept calling them, finally they wanted a modification so we filled out the paperwork and sent our full payment in.

*October 2009 turned down by CitiMortgage they sent us to HOPENOW, who turned us down until we could get under their guidelines. So we quit paying vehicles, credit cards etc. to get in their guidelines.

*November 2009 received a call after Thanksgiving we had been approved, what payment could we afford, since I am the only one working making $7.28 an hour, with his unemployment, $500. We made our first payment on December 2009. We never received paper works to sign, nothing ever mentioned about balloon in payment in March. We had three months to get on our feet.

*December 2009, made our first payment. Brent found work out of town making $16 an hour when the work was there. I was making $7.50 an hour. We were playing catch up on Bills, let the credit cards go:( By now we are several months behind on everything. Getting phone calls up to 6 times a day from CitiMortgage wanting money and not knowing that we are working with HOPE NOW and requesting a modification.

*Jan-March this cycle continued. We contacted HOPE NOW, never spoke with the same person twice and they told us to keep paying the $500 and they would let Citi know. Citi would call and whom ever we spoke with would either say, yes we were still with HOPENOW and continue sending payment or that we didn't qualify and to do theirs. We sent in theirs, it was once again rejected. We sent in our March payment on a close deadline, our payment had to be there by the 17th, I over knighted, due to payday's I had to over night it. Citi got it on the day it needed to be there, didn't process it until the 18th making payment late, so now we have this $9,000 payment due. We started calling to see what the heck. We mailed our payment I have confirmation it was there on the 17th and they choose to process it the next day? Now the fight was on.

*April 2010 we mailed in our payment of $500 as instructed by HOPE NOW and the Citi employees that we spoke with that stated we were still OK to do that, and argued with the ones who refused to read notes.

*April 24 we received notice on our door that we had two choices, modification through CitiMortgage or HOPE NOW or face foreclosure. We received in the mail the "right to cure and sale our house" letter from CitiMortgage attorney Castle, Meinhold, Stawiarski.

All correspondence goes out certified return receipt from this day forward...

*April 26 I went to the Clerks Office and retrieved ALL paperwork associated with this house under Brent's name. Found that the First Deed was sent to recorders before he ever signed at closing, as well as the same thing on the loan we currently have. I started going through all loan docs from 2006 and 2008, found that the first set of 2006 no signatures from anyone including Brent. The second loan 2008 only signatures were Brent's, no others there is false signatures only the signature with Brent's name and date are truly his, all others are not his. The notary for Mesa County signed before he did and dated the paperwork as if she was there to witness his signature.

*April 26, 2010 we mailed off a money order to the original lender for the amount that Citi's attorney requested, $212,569.39, made copies for Attorney and Citi and sent them out. Along with a qualified written request to all who were involved. First Community Mortgage received it on May 3.

*May we sent out the $500 payment and I bought a tape recorder. I was tired of being told different stories by Citi employees and started sending out letters to anyone who would listen. CitiMortgage employees were still contacting us, wanting money or modification or to argue with us. Getting calls from a 636-261-2484 number that nine times out of ten no one was there, when the recording stopped, someone one would come on and then pretend not to hear us and hang up. These calls would come in sometimes up to 6x's a day, call the house the Brent's cell and do the same.

Started tape recording all calls from this day forward...

* May 19, received a call that the $500 payment was refused and would be sent back, we questioned where the money order for pay off went. I gave him my sisters trust number and federal reserve number. He stated he would look into it. Getting calls from a 636-261-2484 number that nine times out of ten no one was there, when the recording stopped, someone one would come on and then pretend not to hear us and hang up. These calls would come in sometimes up to 6x's a day, call the house the Brent's cell and do the same.

*May 21 I called customer service and spoke with an April and asked here where money was at. She confirmed on Tape that the pay off money was there, she spoke with her Manager Kyle ** or ** and he also confirmed and that title would be released to us. By the end of the week we would get a letter stating congratulations on paying your house off and letting us know when we could expect the title.

*May 24, received a letter from Attorney stated we need to find another place to live, our house is going up for Auction on August 18, 2010 and we also received paperwork from the trustee as well (5 envelopes) stating that as well. We called Citi and spoke with a lady in Loss Mitigation, name is on recording that stated yes the money was there and that the title was now in litigation what ever that meant she said. She requested that we contact the attorney. I'm still sending out letters to everyone and anyone requesting help. No one from our local FBI, constituents, to our Senators, President and VP will help us. Everyone is stating they cannot help us this is not their area. Even our Attorney General refused to read or listen to us. I'm determined and keep fighting with Citi and keep tape recording and keep digging into this.

*May 25, we called the Attorney and talked with Mary of Borrowers assistance..tape reordered her as well, they are in daily contact with Citi, title in litigation and that everything is now on hold. I am still sending out letters, digging, requesting title be released.June we get a letter from Elizabeth with Attorney requesting copies of front and back of cancelled check. Well there is no cancelled check/money order, Citi is sitting on the money. I resend her the front and back of money order where my sister signed it, not a word from her, we cant even talk to her on the phone, we get the run around.

*June 24, I call the trustee office, sure enough sale is back on and its now listed in the paper. Making my husband look like a dead beat and that he can't pay his bills. I am furious. Still getting nowhere with the attorney. *

June 28, Brent receives a phone call from a Michael who is employed by CitiMortgage, doesn't state what department he works in, is rude and won't let Brent speak, just keeps telling him, when Brent asks why is my house still up for sale when the money is there. Finally Michael shuts up long enough to really listen to Brent and he also states, yes money is there, title in litigation, and that is just how they operate in regards to the foreclosure. They will more then likely pull it at 9:59 on the morning of the 18th of August.

July, I start looking for an attorney to help us with this nightmare to get this stopped, finally he asks me to see if a 120 ruling, motion to sell has been placed in District Court as well as contact the Attorney's again and tell them to stop this foreclosure until answers have been truthfully satisfied. I do that, and get no response. All we keep getting is the run around.

*July 19, since we have never received any 120 ruling, motion to sell our house from the attorney or the court. I make a phone call to our District Court house, nothing is there. It has never been filed.

*July 21, received a call from Norman ** with HUD who is requesting I do this and to let anyone who calls that they are welcome to contact him regarding this case and HUD/FHA investigating this on our behalf.

*July 25, we call CitiMortgage after a message had been left on our recorder at the house, requesting we call ASAP its urgent they talk to us. We speak with a Jennifer in Loss Mitigation who first wants copies of his pay stubs and income taxes from last year, when we question her, she states its because of our loan modification? We explained to her, we never asked for one, why would we when the money is already there and title in litigation. She puts on hold, so she can "research this" she comes back on and states; on recorder, that our title is now released, money is there, everything is worked out and that hour house was sold.

My heart sank when I heard "sold" I asked her what she meant and she stated that we bought our house, it's now ours. When we asked when we can expect the title she stated we needed to contact customer service. We received a packet from Vivian **, who did not sign anything from Legal Support, Research and Litigation. In the packet they stated they do not have to give us anything that we requested back in May.

*July 28, contact District Court, Still nothing there. *

July 30, we contact customer service, get Christine in Loss Mitigation who is now stating money isn't there, house still up for sale, we ask her to transfer us to Customer service. We get Shawn who states, money not there, house up for sale. I ask them if they would like to contact Norman ** with HUD since HUD is going to launch an investigation on our behalf against them. He/she ignore us.*

August 2, I contact District Court again, nothing there.*

August 3, get a call from 636-261-2484 we stayed on the line to see if someone would actually come on or if the phone would hang up, or if someone would truly answer and talk to us instead of pretending to not hear us. Denise with CitiMortgage and Loss Mitigation came on the phone, at first was very nice and polite, she put us on hold and when she comes back she was rude, hateful and disrespectful. She kept stating that we were basically liars and that they have never received any of our paperwork regarding copies of paperwork that they requested. Brent stated more than once that we sent it to their attorney and that we have signed return receipts stating that attorney did get all information that was requested and she became upset and stated that our house would go up for sale on August 18.

She also stated that Jennifer put on the notes on our account that she spoke with us and that we stated that we paid the house off. There was nothing there in regards to what she stated to us in a recording. I told her that if we were not recording her at the moment I would let her hear what Jennifer told us, when she found out we were recording her, she became even more angry and threatened us that we either quit recording or she would end call. When Brent asked her why they could record us and we couldn't record them.

I stated because we could use them in a court of law against them. She stated we could not and she argued with us over it and when Brent stated that we asked an FBI agent here in Junction and was told we could, in the state of Colorado as long as one person was aware of the recording it was ok. She wouldn't continue on with conversation as long as we were recording. I told her good bye, and she asked us to quit recording and wanted to continue on telling us that they would take our house on August 18 and I told her oh no she wasn't. We never told them that they missed steps, nor did we let them know that upon my digging I have found that Mers nor CitiMortgage had a business license in the state of Colorado to do business. So the injured party here is actually Brent.

*August 11, 7 days before our scheduled sale date, a 120 ruling is put to the court...the following is from Court on Sept 29, 2010.

In April of 2010 I started going through my husbands loan docs, guess what no notary signed his loan docs with him, his title was placed with the clerks office 4 days before he even signed the paperwork. I have a document where my husbands first loan, (August of 2006) wasn't paid off, yet a second; oh wait come to find out it was a "line of credit", and not what my husband was told was a second mortgage on his house, was paid off. I have a document showing where my husbands first loan (August of 2006) Was not put as a debit to my husband, yet as a credit to the first lender in 2006.

I have a document from CitiMortgage and saw a document in court on September 29, 2010 where the "NOTE" has "paid to the order of CitiMortgage" signed by one Debra **. The one we saw in court has two "paid to the order of" stamps with signatures on it. I subpoenaed the "original wet ink signature" to inspect in court, guess what? Saw a copy only and Mr. ** (spells his name in caps) would not give us a copy of it as we have been repeatedly asking for since April 29, 2010.

Remember I subpoenaed the "original" not a "copy" yet Citi's Witness testified under oath that it was the "original" one. It was a "copy" clearly you could see it was a "copy" and we never got our "copy" of this "supposed" "original wet ink signature" as I stated in our subpoena. Which clearly has the two "paid to the order of" stamps with signatures on it. Which we have been denied as our right to have. I also subpoenaed the call logs and accounting. We were handed our copies of those, upon inspections of the call logs several calls were either deleted, or completely changed, we also saw several entries that were repeated that we didn't say.

There are several entries from the Attorney as well, several entries where I supposedly stated one thing, when in all reality I never said. We spanked them on the "true and accurate" account of all calls that came in or went out, regarding our case. I had/have tape recordings of every phone conversation ever had with CitiMortgage employees beginning May 19, 2010 to well when ever we get our money and title back. Then and only then will I stop tape recording. Upon inspection of the "true and accurate accounting" that they (CitiMortgage witness and counsel) had, we were able to get them on that as well. There were payments missing from August and September of 2009, on. CitiMortgage witness also stated that as soon as "foreclosure proceedings have started, they return all money that comes in as payment. Well then if that is the case, then why did they accept a $500 payment in April and start foreclosure procedures against us? Why wasn't that money returned when the May payment was returned? Why is there $1490.46 setting in an un-applied account that Citi is refusing to return.

They didn't put any money towards payments like they were suppose to, so why are they not returning our money? Even the witness for CitiMortgage stated; "they return all money once foreclosure proceedings are started". So where is our money? (side note, 11-16-10; as I sit here and go back through their so called True and Accurate Accounting I have found that there is more then just the above mentioned amount setting there, there is another $1509.54 setting there that no one is mentioned to us yet. For some strange reason there is an extra $1000 setting there as well that we have no clue where it came from.

So in total we have missing from the "accounting" over $6000, when I call Citi to get an explanation, they now tell me that there is no record of my husband giving them permission to speak with me. Really? You idiots there is plenty of verbal and written faxes that we have recorded and copies of. Again the run around from these complete nimrods) CitiMortgage witness on phone; (ok how in the hell do we know that she truly was with Citi, she was who she said was, and was actually looking at "printed" documents that the judge ordered her to print off of her computer, yet we never heard a printer go off? This is why in our response to Counsels motion to have Citi appear by phone, we requested that it be denied and witness appear in person for credibility and assessment of them as they testified, we wanted this so called witness to look us in the face put faces to the people they were trying to destroy.

We were denied and theirs was granted) and Mr. ** with Castle, ** and ** out of Denver, stated for two hours "They have never received our payoff payment, do not have it". Yet upon cross examination of me, guess what appears, our payment. He even entered it into evidence as evidence #5. He was not a happy attorney, even stated to the Judge that our evidence was and I quote; "he had listened to our recordings and believed them to be fabricated, and manipulated and that there was no way we could prove that they were not".

With our evidence we were able to prove Mr. **, **, **, **, CitiMortgage and their witness had in fact lied and perjured themselves, entered fabricated, manipulated evidence as accurate and true into a court of law. Our evidence was in fact not fabricated and manipulated as Mr. ** wanted the judge to believe. He even argued with the Judge on her "over ruling" of his objection of her allowing our recordings in as evidence, really? Who does that, argues with a judge? Then Mr. ** requested a phone in, since it is "4 hours away, and for a 15 min ruling, isn't cost productive". It was so granted.

October 8, nothing. no word from Mr. ** or anyone in the office for that matter, yet there are Plenty of names on our documents as attorney's. No one called, so the Judge gave her ruling, based on all evidence that was provided on September 29, 2010; "Respondents are not in default, therefore motion authorizing sale is denied oh and the great thing on that signed Minute order; The attorney was FTA".

Well on October 14, 2010 **, **, ** and Mr. ** decided to do a "Motion For Reconsideration" really? Wait a minute here? This is a huge, cookie cutter, foreclosure company, who of all people should know; You can't file a motion for reconsideration, it's against the law! Then in your motion blame the Judge's clerk, the court house and lie stating that the judge didn't grant him the phone in? Really? Did I just read that correctly? Is this Law firm and this Attorney, blaming everyone but themselves? To actually lie in the motion? Wow, just goes to show the ** and the nerve that this company has. Then again, the ** and the nerve that CitiMortgage has.

I have a copy of an email from Castle, Meinhold, Stawiarski, that was sent to the Public Trustee's office on October 15, 2010, requesting a sale date of November 17, 2010. Yep you read that correctly. The Public Trustee was to sale the house anyway, even though Mr. ** and his law firm, and citimortgage, knew he could not. The judge said no! This ballsie law office and huge lending company, was hoping the Judge would let their crap and lies slide past her and she would be in a caring mood and let them have their Motion For Reconsideration.

After all, he was so busy the day of the Ruling, he was handling cases for another attorney in the office, he is all over the state handling cases and since it was her clerks fault that he didn't appear by phone, that should not be a reason to side with us. Please give him his second chance and side with him.

I believe in my heart, gut and soul that had I not called the Public Trustee's Office and brought our "signed order by the judge" to his attention, he would have sold our house at auction on November 17. That order was mailed from the Judges office at the Court house, to the Public Trustee's office, and placed in our file along with the one that we had taken to them before this.

Obviously and its quite clear that our account was never flagged in the system as having such a document? Why is it I had to remind them that they had a signed order? Why was it they put it on the books to be sold on November 17, with that signed order setting in our files? Why can't we do anything to the Public Trustee for ignoring the cold hard truth and facts in front of him! Why? Well the Judge got their Motion for Reconsideration on Monday October 18, denied stamped across the top of it, and her reasoning behind it. Well she simply stated; "Due to the statements made in the Motion for Reconsideration, the Court is promptly issuing this Order.

The Court has concluded that a hearing is not necessary and the presentation of evidence is not necessary. There are no facts alleged which would require evidence or further explanation. Based upon the testimony presented at the hearing, the Court's determination of credibility and assessment of the sufficiency, probative effect and weight of the evidence, as well as the reasonable inferences and reasonable conclusion that the Court drew from the assessment of the evidence, the Court entered detailed oral findings. Ultimately, the court determined that it could not find that the Respondent had defaulted on his loan. On that basis, the court denied the Petitioner's Motion for Order Authorizing Sale. In no way was the denial of the Petitioner's Motion for Order Authorizing Sale based upon the failure of Petitioner's counsel to appear at the hearing for oral findings. "

So you see, I have proof of the left hand not knowing what the right hand is doing. That their so called "continuously view our document handling procedures and believe the integrity of Citi's foreclosure process, and have not identified systemic issues" is a joke. Yep I said it joke! Here let me say that again; joke, lies, corruption, manipulations falsified and fabrications of documents, made up stories! CitiMortgage Witness testified that "CitiMortgage was simply the servicer and foreclosing on behalf of First Community Mortgage".

Really? Did she just say that? Seriously? Did she just say that? I have a document from First Community Mortgages Attorney stating they have nothing to do with this loan anymore"! How is that possible?...anyway There is no notary signature on any of his loan docs. No notary was present when he signed in 2008.

What about those "paid to the order stamps" that are on the "note", what about that $1490.46 setting in un-applied that Citi refuses to return, what about that $500 that was received in April when foreclosure paperwork had been started?

What about that $212, 569.39 pay off that was received by First Community Mortgage on May 3, 2010, CitiMortgage states they have on May 21, 2010 What about that recorded call on May 21, 2010 where April with Customer Service at CitiMortgage states, they have our money they will be releasing our title, we should get a congratulations letter, then our title with in 1-2 weeks.

What about that recorded phone call on May 24, 2010 where Debra with Loss Mitigation at CitiMortgage states our title is in litigation and she doesn't know why, tells us to contact **, **, **.

What about that recorded phone call on May 25, 2010 where Mary with Borrowers Assistant at **, ** and ** states that Yes our title was in litigation and everything was on hold, yes they were indeed in contact with Citi, and everything is on hold.

What about that add in the Legal section of our local newspaper, that the Public Trustee ran, after receiving our recordings, and me calling, exactly one month to the date, June 24, 2010 stating my husbands house would be up for Auction in August. Wait a minute, didn't Mary at the attorney's office state "everything was on hold, because our title was in litigation"?

Why is our house in the paper, with every real estate office and with realtrac as a foreclosure ?If Citi has the money, our title is in litigation, which means Citi has the money, then why are we being put through this nightmare, our name being drug through the mud, our house in the paper. My husband made to look like a deadbeat.What about that recorded phone call on July 25, 2010 where Jennifer with Homeowners Assistance at CitiMortgage states that our title is now free and clear and we should be getting it in the mail.

I believe Mr. **, should have done his homework, instead of believing what some of his employees across the nation were telling him, if what he stated to ABC was true, then....Why is some of his own employees stating they have no record of us ever sending in or them receiving our payment . Yet we have recordings of several who state other wise? If a title is paid off on the 21st of May, in litigation from May 24 to July 25, again I state; You can't have a title in litigation if money had never been received, and why did we have to go to court on September 29?

Why are we still having to endure this debacle that they caused, by their incompetence, manipulations, mishandling of documents, monies, lies, fabrications, stories, corruption, fabrications, left hand NOT know what the right hand is doing, lack of truth, honesty, reality, and most of all their greed! !Why do we still NOT have our money and title/deed/note, why is Mr. Gantenbien and his giant cookie cutter foreclosure law firm, still trying to foreclose, even though CitiMortgage, the Public Trustee, and his firm all have signed judges order; "we are not in default" ? How is this possible. Why won't Citi give us our title and money back? Seriously what are they going to do with it?How do we get our house off the foreclosure list when we have phone calls stating our house is paid off!

Why is CitiMortgage and their Attorney's being so stubborn? Why are they making this so difficult?All we are asking for right now is the $1590.46 and our Title/Deed/Note to our house, or simply our title/deed/note. This is it, we don't want to have to fight them in court for it, after all, we do have proof that they have our money, Mr. ** and his giant cookie cutter, fabrications, perjuring, corrupt, self righteous, manipulating, falsifying, holier then thou, disrespect for the justice system, court orders, laws, judges, better then anyone, don't have to do what the judge says and CitiMortgage, knows they have the money.

When is our nightmare going to end, my migraines, lack of sleep, too busy to stop and eat or drink anything, because we have to stay on top of these lying, conniving, corrupt, manipulating, snakes in the grass, 24-7 since April 24, 2010 to...well when they give us our money and title/deed/note, or title/deed/note back.... eat, sleep, drink, etc., going to end? This is a nightmare, we paid our house off, these bullies know we paid our house off, yet they won't release the money and the title/deed/note. Our new sale date, is Dec 15, we will go through this every month for the next 9 months until its been with the trustee for one year. After that, the trustee can no longer put our house on the auction block.

CitiMortgage and their attorney's are self righteous, indignation, holier than thou and feel, show and demonstrate on a daily bases by the crap that spews out of their mouths. We are looking for someone who can help us with "our special limbo" the judgments are piling up fast, and I am not sure how long I can keep them at bay.

I have been trying to refinance through Citimortgage for over 4 months. It is amazing how a company can stay in business that is so unorganized. They keep trying to have me close through them which costs $1200 when I can get it done for $502 at Transnational Title company locally. I know I have nothing to stick on them but what an overpriced undereducated bunch of idiots.

It's an unethical and Illegal method of conducting a home modification. Citimortgage modification department approved a modification with one signature where home loan consists of two signatures. Citimortgage never consulted me nor did I give approval for the modification to be done. Citimortgage violated my rights as a borrower. But yet makes me responsible for the modification. I want it revoked and this loan to be done correctly by Citimortgage refinancing home loan or assuming the loan which my ex-wife is on.

Back in Feb. 2009, my husband and I knew we both were going to have pay cuts. We did not know how much at the time and we had over extended ourselves already, so we were trying to look into ways to cut some bills down. This is the time when talk about modifications were starting. So I called Citimortgage and asked what a modification was. I was put on hold for several minutes and when the man finally came back on, he told me I didn't qualify. I did not know what it even was, so I just said okay and hung up. Then we were one of the stupid gullible people who fell for the scam companies that help people with getting their mortgages modified.

After paying them $3300, we waited and waited for 3 months because they said modifications were on hold until the government settled all the guidelines and whatever. So finally, in June we started receiving paperwork. We got a very easy modification on our second mortgage with USbank. But the hell with Citimorgage was just to start. The company we were working with kept getting stone walled and finally gave up, and told us to file bankruptcy. We did not want to do that so we started dealing with Citimorgage ourselves. We sent all the information they requested several times over the next few months and waited. In the meantime, we had our pay cuts losing almost $2000 a month. We ended up having to file for Chapter 7 bankruptcy to try to save our home.

Due to the recession, our mortgage is way more than our home is worth, so selling was not an option. Up until Nov. 2009, we had not missed a mortgage payment. I started calling Citimortgage every other day. Every time you call there, you can never talk to the same person. I asked one man for his extension number so that I could call him back, sure no problem. I call the extension, guess what? It's not him and the new person I get doesn't know who he is. Any way we were late on our first payment, I guess thats what they wanted because on Nov 11 we finally were told that we were going into a trial period, our payments were being lowered by about $400 for 3 months. We were to make our payments on time for 3 months and the papers for us to sign were being sent out in the next 2 weeks.

Sign the papers, make your payments and in Feb. 2010, the end of our trial period, call for an update. Our first trial payment was due on Dec. 11 2009. We made first payment but still waiting for paperwork. We called on Dec. 15, they are resending new paperwork. Finally on Jan. 12, we received a packet, inside is a letter dated 1/5/10 requesting our required documentation of our income due 1/4/10. We called immediately asking how is this possible? We were told to ignore these dates, that there was a mistake and all packets were sent out late, just send it to us now. In the meantime, we have been receiving certified letters telling us we are being foreclosed on and harassing phone calls at home and work. Every time, we go through the same drill telling them we are in a trial modification program, we have sent our documentation and are making our payments as required. We called them in Feb. after making third trial period and told to call back in 2 weeks.

We called on Mar. 5 but started calling loss mitigation dept. due to our bankruptcy, even though our bankruptcy was discharged on Dec. 15 2009, and continue to make same payment every month. We called in April and were told to call back in 1 week. We called back in Apr. 28 and they told us our case was discharged due to house ratio. What? We were never notified! After having a meltdown, Edria asks for all my information again and says she is reopening our case and to call back around May 12 to ask for an update. We called, first we were told that we were denied but then changed her answer to we are entering into 3 month trial payment. Here we go again! Starting June, we are to make payments on time for 3 months and our modification will be finished.

September, its a miracle, we got our modification. We looked it over for any question and we were told to just call but it is non-negotiable. Our modification is that our interest rate is lowered from 7.125% to 4.625% for 2 years, third year it goes up to 5.626%, fourth year it goes up to 6.625% then fifth year goes up to 7.123% for the remainder of the loan. Also, they added $17000 to our principle, we can't get a straight answer about why so much. Any way, we signed and that's our help. We paid on this mortgage for 3 years but now we owe the same amount of money we started with but our payments will be lower for a couple of years. Yippee! At least I get to keep my house for a couple more years. Citimorgage puts you through hell, they don't care about helping their customers. They only care about making money and it seems that they will continue to do this to countless other people and no one can stop them.

I have a friend who is going through the same problem with them and seeing all the complaints on several websites, it seems that nothing can be done to stop them. I am grateful that I got to keep my home but what they put me and others through is shameful! Someone needs to do something. Oh and I can't get them to take our mortgage out of bankruptcy status. They say I need a re-affirmation, whatever that is, from our lawyer. But our lawyer says the State of Connecticut doesn't due affirmations. So Citimortgage does apologize but there is nothing they can do. So I have no internet access to my account even though they send me emails telling me go log onto my account for information or to make payments. This company sucks and if there was a way for me to get them to sell me to someone else, I would do it in a heartbeat.

Sometime in July, 2010, we received a solicitation in the mail from this mortgage company asking if we wanted to refinance our mortgage. I called and obtained information on interest rates and asked about rates for our first and second mortgages. Mr. *** gave me those rates and I decided to refinance both mortgages. We began the refinance process and we were told that we would initially refinance the first mortgage. Mr. *** said that after the first mortgage closed, he would 'piggy back' the second mortgage onto the first.

He told us the interest for the second would be a five year ARM (fixed for five years, just like our first mortgage) for 4.75%. He said it would be easy to refinance the second mortgage because he would already have all the information he needed from refinancing our first mortgage. He said it would only take four to five days to complete the second mortgage refinance. We signed our loan documents on our first mortgage on September 22 and it closed several days after that. We were expecting the second to close shortly thereafter, however, Mr.*** then told us it would now take 2-3 weeks. We waited that amount of time and when we didn't hear from him, I called and e-mailed him. He did not respond initially.

When I e-mailed him again threatening to file a complaint, he responded, but the story changed. He told us that the lender that was going to refinance our second was no longer offering second mortgage loans. The only option was a home equity loan at a variable rate, not a fixed rate. We feel that there was never a second mortgage loan product available and that he deliberately misrepresented his product from the beginning just so he could get us to re-finance the first mortgage with him. We believe that it was the classic bait and switch scheme.

On September 30, 2010, I sent my mortgage payment on check number 2113, dated October 1, 2010, in the amount of $1,343.00 to Citi Mortgage via priority mail. I have that receipt. One week later, I contacted Citi Mortgage because my check had not been cashed. They told be to call back in one week.

On October 13, 2010, I went to my bank, Navigant Credit Union, and stopped payment on check 2113 in the amount of $1,343.00. I also have this document. I then called Citi Mortgage and authorized a one time payment of $1,343.00 using check number 2116. This payment was confirmed by Frederick ** - confirmation number 16555126. I informed this customer service representative that I had stopped payment on the original check and he stated that he would document this in my account information.

On November 13, 2010, forty-four days later, Citi Mortgage made an unauthorized cash withdrawal from my checking account using check number 2113 in the amount of $1,343. Not only did they misrepresent the issue date of the check and claim it was for November 13, 2010, but who's been holding onto this check for forty-four days and what information were they able to steal from the Citi Mortgage data base file while cross-referencing my personal information on the check. Citi Mortgage doesn't have carte blanche when it comes to withdrawing from customer's bank accounts and someone has to address this problem.

I paid off all of my mortgage via a wire transfer from Bank of America to Citimortgage following Payoff Dept's explicit instructions on August 31, 2010. Bank of America's records show that Citi received the funds on Sept 1, 2010. As of today, I received a letter from CitiMortgage that I am in default of my mortgage. I have sent them three faxes with required documentation and a certified letter to Sanjiv Das, CEO, to no avail. I am at my wits ends and minus a lot of money which CitiMortgage has socked away in some unknown account, I am sure making interest, while I am being dunned and charged with non-payment with penalties and fees. What about their penalties for their ineptness? At best, their actions on my account are a sure sign of incompetence and at worst it is an unapologetic attempt to defraud their client(me)! What do I do next, if they do not respond? I am bewildered and in default but it's not my fault.

In Aug 2007, my ex and I were looking to buy a home; we were in a rush because our lease was up in the place we were living at that time. My ex came across a house and got in contact with a broker/investor/seller/owner named Thomas Cooper with T Cooper Investment who was selling a house at **** ******** ***, Indianapolis, IN 46226. We spoke to Mr. Cooper who told us to come to his office in Carmel, IN and fill out an application and include all the people we were paying debt to which included copies of my check I was paying to my student loan.

Mr. Cooper, then got back to us and stated we didn't qualify because we didn't have $10,000 in the bank and the banks like to see that you have collateral. Mr. Cooper was very eager to get us in the house but we finally said no we don't have that kind of money and that we were in a hurry to move so we were going to keep looking. Well, Mr. Cooper had my bank info from the application we filled out. A couple of days had gone by after we told Mr. Cooper we didn't want the home and he called me and said I put $9000 in your account and stated they would be for closing costs so if we still wanted the house we could get it. My ex and I thought about it and we were in a hurry and didn't realize at the time that Mr. Cooper put that money in my acct to show that I had collateral so I could buy the house so he could get rid of it which is why he was so eager. I wasn't told about a homestead or given any 1st home buyer discounts.

I know now that there was a conflict of interest because he owned the home and was the broker and shouldn't have put that money in my account without my consent. Mr. Cooper sold us the house for $85,500 with no improvements done. I was later told by CitiMortgage that the property is only worth $33,770. I am confused on how they can sell that property to me and the appraisals were done 5 and 6 blocks away from my home where the homes are better and way more expensive than my house and they should have stayed in my area to get the comparable rates for the appraisal.

Our mortgage was $873 a month which was a little steep especially if the property wasn't worth the $85,500. We never should have paid that amount in the first place. Everything was going okay but my ex and I started to have doubts because Thomas Cooper told us the house was on the market for only a few months but talking to the neighbors, it was over a year. Also, we were told it was city water and it was well water so we had to buy a Culligan softener to filter the water. Then the well went bad which Thomas did replace but it made my ex and I believe that the property was vacant for longer than Mr. Cooper had stated.

Everything was okay, so we thought. Then in March 2008, I received a letter from Chicago Title which was dated Jan 08; this letter was notarized and had someone else's name on it by the name of Jimmica ****** showing back taxes were due for 05/06. I didn't own the property until Aug 2007. The letter was notarized but my signature wasn't on it but it looked as if I agreed to pay the back taxes.

I thought Chicago Title was supposed to check to make sure there were no back taxes due or any liens before and if there were I thought for sure that you cannot sell a house like that. If that were the case, I should have been able to buy the home for the back tax amount. I called CitiMortgage and asked what was going on. They said we don't really know anything but there are back taxes and that's why the mortgage went up. I called the county tax assessor and was told there were back taxes due over $2500 but once they were paid, the mortgage would go back to the original price and that the yearly taxes were a little over $1200 which I paid triple that in 2008 when I filed my yearly taxes.

I went down and picked up the receipt for the back taxes and sure enough there were back taxes due for 05/06. Even when I did my own yearly taxes, I was asked why I was paying so much in taxes and should have that looked into. I called Thomas Cooper and he came to my house and gave me $400 to help with the next month's mortgage. I showed him the receipt from the assessor and then I called the tax assessor and gave him the phone and they also told him that once the back taxes were paid, then the mortgage would go down and they gave him the amount of the yearly taxes which is what they had already given me. I asked him then, "How could you sell me this house with back taxes?"He told me to call him every month if I needed to and he would help me until the back taxes were paid.

He then disappeared and I couldn't find him for him to help me straighten this issue out. I paid the $1216 for a couple months but couldn't afford to do so anymore. My friend who sells houses happened to look at my paperwork one day and he was saying your paperwork is really messed up. My signature or initials aren't even on my mortgage documentation. Also there are amounts that were paid and different people that I met with that I never did. I started to believe that I had been duped.

At that time when I picked up the receipt from the tax assessor, I was told to do my homestead at that point which I did. I live in what is considered the hood and once I did the homestead, that should have also helped in the mortgage amount but didn't. I contacted a lawyer and paid him $500 because he looked over my paperwork and said this isn't right. He said the letter I received from Chicago Title shows back taxes due but my mortgage paperwork says no back taxes were due but the tax assessor and the receipt I received showed back taxes. I also had that letter from Chicago Title with someone else's name on my Title Insurance.

The lawyer also stated that there were too many different amounts that were paid that didn't correlate with the other pages. My lawyer tried to contact all the people on the mortgage paperwork that included all these people I had never met with or talked to. The lawyer couldn't find anyone and is still billing me $2500. The lawyer sent a letter to Chicago Title who was supposed to do an investigation but failed to. They stated my lawyer and I didn't submit all the info they needed to complete the investigation but I gave them all the paperwork and info that I had. They then asked who Jimmica ****** was because she was on my Mortgage Title Insurance but I'm like you all tell me who she is because I don't know.

In the meantime I'm calling CitiMortgage and they are telling me that back taxes are due and why the mortgage went up but according to all my paperwork and yearly taxes, based on the receipt from the tax assessor, the back taxes were paid up. I couldn't get any answers from CitiMortgage, Chicago Title, Thomas Cooper or the lawyer. I was stuck.

CitiMortgage never told me that I had the option to do a loan modification so I went to Debtors Protection which is a 3rd party company and paid them $2100 for the loan modification. I dealt with Debbie ******** and Nancy ***** starting in Aug 2009. In September 09 I was told by Nancy ***** in an email that I still have, "Hey Special Lady, I left you a message on Friday and haven't heard back from you. Please tell me your okay? ! Your package has already gone through processing/underwriting and has been submitted to your lender. Cheryl, your negotiator, has scheduled to follow up with them at the end of this week to confirm they have registered the submission through their imaging debt. I'll try and call you again tomorrow -Nancy."

Then on 11/05/2009, I received an email from Debbie ******** "Hi Janet. Nancy is out of office this week and your email was forwarded to me. From file it looks like you spoke with Stacey in mid-October and Stacey spoke to your lender on 10/12/09 and 10/20/09. It appears that Citimortgage requested additional documents which we sent them. They told us to call back in 10 business days. I will check with Stacey and get an update for you. I will get back to you hopefully today, but it may be tomorrow. Thanks, Debbie"

I kept calling and finally spoke to Nancy in Dec 09. She told me that the loan modification went through and I checked CitiMortgage online and they had my paperwork in the system. I was able to go in and update it and everything if I needed to. I was thrilled. I called CitiMortgage and spoke with Denise on 1/06/2010. Denise also told me and my aunt who also used Debtors protection, that the loan modification went through. Denise stated there is an estimate in the system that shows my mortgage should be no more than $525 and as a matter of fact it was already showing I was paying $525 but then stated that was an estimate and they were going to send someone out within 3 weeks to appraise my home to see what the true value for the property was which would determine my new mortgage amount. She called this an open value of the property. I thought everything was fine.

I was waiting to get my new mortgage amount in the mail. I never received it but kept getting letters on my door asking me to contact CitiMortgage to make sure my house didn't go into foreclosure and I'm thinking everything is okay. I did submit my information also to the attorney general to investigate Thomas Cooper; I was advised it would take up to 6 months and I gave all my information.

I'm thinking why are they harassing me, the loan modification already went through. I called CitiMortgage at 6:00 on 7/27/2010 and spoke with Steve ID # *******. I asked him why I was getting all these letters when I already paid a 3rd party to do the loan modification and I was told by Debtors Protection and by Denise with CitiMortgage on 1/06/2010 that the loan modification went through.

Steve was rude to me and was talking to me as if I were dumb. He told me Denise gave me incorrect information and that I never even qualified for a loan modification. I was dumbfounded. I asked him was it okay for CitiMortgage to give misinformation? He looked in the notes and he did state that Denise's notes do show something about open value but he stated the notes didn't say what I was saying. He said I'm not saying you're lying but there is nothing to prove what you are saying. Steve stated the open value of your house is already in the system and there would have been no reason to send anyone out to access the property. I asked him what the process was when someone did qualify for a loan modification. Steve stated to me, they would do an open value and send someone out to access the property to determine the new mortgage amount.

I told Steve I'd do his job for a living and how could I possibly know the process if Denise hadn't told me that's what was going on with me. I also told him that Denise stated that it had already showed I was paying $525 in the system, Steve stated if that's what she told you, then she gave you incorrect information. I asked Steve to have the tape pulled, he placed me on hold for 20 mins and came back and stated, he cannot pull the tape and there is no way to get the tape pulled. I told Steve I work in customer service and we only hold tapes for a certain period of time and then we send to a 3rd party company to have them archived.

He then stated they couldn't do that, how convenient for them. Why would I be so adamant to pull the tape if I were lying? Steve stated the open value of my house was already in the system and he could see from Denise's notes where she could've given the incorrect info. I asked him was it okay for his company to just give false hope and misinformation to me? I also asked Steve about the back taxes. He stated their system never showed there were back taxes due but that's not true because on several occasions I called CitiMortgage and was told they showed back taxes due and why my mortgage went up. I told him I've been fighting this since 2008 and I didn't just pull that information out of my hat. I've been told that by his company and the tax assessor. I told him to stop speaking to me and to get a hold of customer service skills. I told him this entire situation wasn't fair to me nor was the way he was speaking to me. I asked Steve what the next step would be; he stated that there was no sale date in the system and it could take 3-6 months after the sale date for the foreclosure to go through and he stated he could see if I qualified for the loan modification now.

He put in the numbers of my income and my expenses and stated I did qualify for the loan modification now. He stated he would go ahead and send me out a package and to make sure I send the information back in the self addressed FedEx package. He stated the estimate for my mortgage amount would be $544.50 but again it was an estimate. He then looked in the system and stated Debbie ***** with Debtors Protection called them in June 2010 but he didn't know why but that Debbie didn't have authority to speak on my behalf. So Steve and I released the call. I didn't receive the FedEx packet with all the information that I was supposed to send back until September 2, 2010. I gathered all my info, made copies of the originals and sent back in the self addressed FedEx envelope to CitiMortgage on September 6, 2010. On September 25, 2010 I received a duplicate packet of everything that I had already sent to CitiMortgage.

I didn't pay any attention to that. In the meantime I'm still getting letters at my door stating my house may go into foreclosure. Then I got a letter stating my house would be sold on October 20, 2010. In the meantime everyday I'm checking CitiMortgage website, it's showing I requested the loan modification but kept stating my information wasn't received. Once I received the letter on 9/28/2010 from the sheriff stating my property would be sold on October 20, 2010, I called CitiMortgage at 5:25 and spoke with Christine. She placed me on hold and never came back to the phone, and then someone named Phil picked up the phone. I explained to him everything that's in this letter and that I've been so inconvenienced and I've done everything they asked me to do and how long I had been fighting this and that this isn't even my fault.

I didn't understand what was going on and I asked him how is this fair to the homeowner who is fighting trying to keep their home. I told him to look at all the calls I've made to try to keep my home. Phil told me to stay prayerful and that he could tell that I was a praying woman. He told me that my home would not be sold. He stated that even with a loan modification, they still had to follow policy and procedure and had to send through the foreclosure process but guaranteed to me that my house wouldn't be sold. He told me I would get a suspension for sale letter and that this is a government subsidized program and the company is bound and obligated to help a homeowner keep their house as long as they advise CitiMortgage they want to keep it.

He asked me if I wanted to keep my home and I stated of course. I'm a single mother with no money and no help. I cannot afford to move but can afford the $544.50 estimate of my loan modification. Phil proceeded to tell me his sister and mother were single parents and he understood but not to worry because my house wouldn't be sold. He stated it would cost the company more money than it would to sell my property. Phil stated they were so backed up in their loan modifications they had to hire a 3rd party group to come in and assist. He stated they were about a week behind and to call him back that following Saturday which would be October 2, 2010 and gave me his extension of 4239. He stated again to keep my faith. Phil then asked if I had copies of my information and I said yes, he gave me a fax number in case they didn't get to my papers in time. The following day, 9/29/2010, I sent in all my information by fax also. Phil stated as long as I sent my papers back in the envelope CitiMortgage supplied, I would be okay. I got off the phone feeling really good.

On October 22, 2010, I received a letter in the mail from CitiMortgage dated 10/14/2010 stating they cannot approve my loan modification due to the fact I didn't supply all the necessary documentation. I was so hurt. I believed what Phil told me about the backlog, caused them to send me this letter because they couldn't find my paperwork in the backlog. I called CitiMortgage on 10/22/2010 and got someone named Imlan, I again told him the entire situation and that I've been trying to keep my home and this isn't my fault. He was very nonchalant and told me he was sorry but there was nothing he could do. He told me to go online to the CitiMortgage website and go under help and that I could reapply. He stated that in the state of Indiana I have 120 to try to get the property back.

I asked him to research to see what happened to my paperwork that I sent in at this time 3 times. He stated he couldn't go backwards only forwards from this day. I told him about Phil, he said he was his coworker and hated to say wrong things and shouldn't say it but Phil gave me incorrect information and that he never should have told me that my house wouldn't be sold and the only way that the loan modification would have gone through was if they had my papers in writing with my signature. I told him I've been given incorrect information by this entire company; every time I call I get a different answer. He said he didn't know what happened to my papers and wasn't interested in finding them and he said sorry your house is already foreclosed on and you were given incorrect information.

I said I've done everything you all told me to do to a T. It's a no win situation. I never should have wasted time, energy, money, tears or patience if this was essentially going to be the outcome. I asked to speak with a supervisor. I was left on hold. Finally Isnira got on the phone. She stated the person I was talking to never should have even talked to me because of the status of my account which again every time I get different information. She asked me what she could help me with and I asked her didn't the guy just tell you what the issue was because at this point I'm tired of explaining it.

Isnira who told me she was the supervisor stated they need permission to talk to me from litigation and to call back within 24-48 hrs which would be Monday October 25, 2010 and then she stated we could go from there to see what my options were. I asked her why it took so long for me to get the loan modification package. I told her I requested it on 7/27/2010 and didn't get it until 9/02/2010. She didn't know. On the same day, I received the letter from CitiMortgage I got a letter on my door from Ala Carte Realty stating that my property was sold and I must contact Lana ***** within 24 hrs of the letter.

She came back and told me I had to speak to the claims department and gave me the phone number.

I was calling to see if litigation stated it was okay to speak to me in regards to my account but okay, I called the phone number and what would you know, it was the wrong number. I spoke with Jessie who answered that phone number and stated, I don't know why CitiMortgage keeps giving out our number but it's wrong. He referred me to phone #number ***. I called on 10/25/2010 at 1:18. I left a voic email but never heard a response back. I am a nervous wreck because I asked if I could be evicted and was told yes as early as 48 hrs. I have been jumping through hoops, lied to and all responsible parties need to be accountable.

I cannot believe CitiMortgage has people answering the phones who cannot assist and who don't have proper training and give incorrect information. I cannot believe that this house was even sold to me this way. I've suffered, I've tried, I've cried to no avail. No one can help me, no one will help me. Is is okay for them to lie to the consumer so they can try to cover themselves?

I am sending this to the news, to the federal trade commission and Fannie Mae. This is ridiculous and unacceptable. I've been treated like I don't matter. No one cares, no one can help me and I keep getting lied to. Thomas Cooper has been on the news for fraud and everywhere I've called for him that he used to work, I've been told he no longer works for them. I've jumped through hoops, been stressed out and emotionally drained. Why can't anyone help me?

We tried to be proactive as jobs were folding and stopping in place in Las Vegas. I am a union Carpenter. We contacted CitiMortgage to see what kind of help we could get, because soon there would be no jobs available. We were not behind on any payments at that time. CitiMortagage would not help us, they gave no suggestions other than, telling my wife to get a second job.

Eventually, I was laid off and collecting unemployment. I applied for a hardship modification. CitiMortgage did not respond, so I contacted them again. They told us they lost our paperwork. We put together another complete hardship modification package. Still, Citi would not help my family. I finally found a job, but it was 1/3 of my normal pay. Eventually, our payment was lowered by $400 and we were placed under review until October. October came, and we had not heard from them so, I contacted them. Somehow, we had fallen through the cracks. Our payments returned to normal. I am still unemployed, and they won't modify my loan, or our interest rate. They must really want this house.

On February 15, 2009, I lost my job as a contractor for Embarq. I earned $84,000 a year. My husband Mark earns about $50,000 a year. The loss of almost 2/3 of our income was substantial, devastating and unexpected. I have been employed since I turned 13 years of age and have never been fired, laid off or unemployed. I have never had any difficulty finding a job until 2009.

I have been seeking employment since my contract was completed. Unfortunately, I am still unemployed. I have a side job as a caterer. This side job brings in roughly 600-800 a month)

In the interim, aware of both the economic downturn and the substantial number of ex-employees and contractors looking for work in the IT field, which is my expertise, I had to evaluate our financial position. When we purchased our property, I put our home on a 15-year note. I wanted to pay it off rapidly. I prefer to not carry debt.

In February of 2009, I contacted the HAT department requesting a hardship loan modification. I asked for an extension in terms and a reduced interest rate so that I could cover our expenses while I looked for another job. Eventually, I got in contact with the modification department. I worked with the modification department to modify my mortgage in order to make the payments on my home fit within our unexpected new budget. I was told the process would take about 45 days. It took over a year. This required me to resubmit my taxes, worksheets, and other forms several times, some as many as four times over the course of the year.

In September of 2009, I was approved for a modification (Step 1) and began my trial period. The modified payment of $1300.85 was due Oct. 1, 2009. I paid this amount from September 30, 2009 through February 2010. From February 2009 until September 2009, when I was finally approved for the trial period, I used up all my savings and cashed in my stocks in order to keep my mortgage and bills current. I did not miss a single payment. I mention of this because my credit is important to me, my responsibilities are important to me, and my promises are important to me.

February 24, 2010, I received by UPS delivery, my making home affordable package, which congratulated me on completing the process and detailed all my future payments. Citimortgage sent me 2 emails and 2 phone calls advising me that these documents were on their way and that I needed to call Citimortgage as soon as I had them notarized and shipped them back. I did. My new payment of $1640.0, versus the current payment of $1918.00, was to begin on 3/1/2010. I was required to notarize it and return it by February 25, 2010. I did so. I called back to make sure my paperwork was received and was told everything was complete. My interest rate was modified to 2% for years 1-5, 3% for year 6, 4% for year 7, and 5% for years 8 to term for my remaining 11-year note.

Within a few days, I checked their website and saw the following message:

Your modification is complete! Please make all future payments as requested in your making home affordable agreement. I called the phone line and was given the same advise: Your modification is complete! Please continue to make the payments as agreed. Your next payment is due 03/01/2010. I paid $1640.07 on Feb. 29, 2010 for my March payment. I made the $1640.07 payment on April 2, 2010. A few days later, I checked your website and again saw the following notice: Your modification is complete! Please make all future payments as requested in your making home affordable agreement.

In May, I again made this same payment. At the end of May, I received an automated dial phone call informing me that my March payment was past due. I was alarmed. I checked the Citimortgage website and saw that my payment was indeed received. I checked my bank account and verified the funds were indeed withdrawn. Confused, I called Citimortgage customer service to try to figure out the error. I began making regular calls at the rate of one a week, or at times every ten days as the customer service rep directed, trying to discern the true issue. Since I could see the payments on your website and could also verify that they were withdrawn from my bank account, I was more than a little confused. So were your customer service reps that I spoke with about my account.

On or about June 6, 2010, I was told that the modification was booked on the Fannie Mae side, but not the Citimortgage side! I was told this was not your fault and may be linked to Fannie Mae office in Phoenix closing assuming my loan was processed there. I was asked to call back in ten days to check on progress. On or about June 18, 2010, I called in. Your customer service rep, Sonja, said that an email was sent to Kevin and Annette, in booking, asking about my account. There was still no reply, Sonja asked me to call back in 2 days. When I called again in two days, there was no reply, so I asked that the email be sent again. I was assured that my account was being reviewed and notes would be added. Again, I was asked to call back in a few days.

At the end of June 2010, I received a letter from CitiMortgage stating that I was in default in the amount of $7,000 and that I must bring my account current by 7/16 to prevent foreclosure proceedings. Again, I called and was again told this was not my fault, it was being reviewed, and to call back and ask for the customer service rep to read me the updated notes. I was told that Citimortgage had me in an automated system and that I would be held out of that system for ten days while my account was being reviewed. That did stop the daily collection phone call for 7 days.

On July 6, 2010, I received notice from Citimortgage that I was delinquent on my modification loan and had missed 2 consecutive payments which as you can see above, was not true. It went on to say that if I missed a third payment, I would lose my good standing under the loan modification agreement. On the same date, I also received a demand letter from the Citimortgage foreclosure review unit stating that I had received the letter from June 30 and noting the default amount due as $6048.15 to include $239.22 in late charges and $54.00 in delinquency expenses. The letter went on to say that if I failed to cure the default by the date mentioned in the previous letter (7-16- 2010), my account would be sent to a local attorney to begin foreclosure proceedings.

Again, I called. This time I stated that I had a copy of my agreement in front of me, I read the agreement to the rep. I told her that I was looking at the Citimortgage website, which stated that my modification was complete and that I had made all payments as directed. She noted my account and asked me to hold. Our call was disconnected. This happened multiple times. Each time that I was asked to hold, I was disconnected or returned back to the main menu. This was an ongoing issue since I began calling in May. I called in once again and asked to speak to a manager. I waited 20 minutes to get a rep and was passed to a manager's voicemail. I left a message describing my issue, my name and number. I have yet to hear from the manager and assume I will not ever hear back from him.

July 12, 2010, I called to check on status of my account again. This time I was told that a new package had been shipped on 7/7/2010. I ended up needing to call back three times to finally get a rep that did not put me on hold and got the tracking number, since I did not have the package. (See the disconnect issue above). The rep told me it was sent via UPS 2nd day air. I stated my alarm that: 1) I did not know a package was coming, so was unaware that I should be looking for one and 2) that I did not have one and it was a week past when it should have been delivered. I also looked up the tracking number I was given and found that it showed a delivery date of 4/22/2010 and was delivered to front door! I live out in the country and typically get erroneous delivered packages and mail 2-3 times a week. Additionally, if a package is left on the porch (meaning no signature required) and I am not even expecting it, and anything happens in a storm. High winds, anything, how would I ever know I did not get it? Surely, something as important as a loan modification update would warrant a signature, a phone call, or an email message. I assumed that the tracking number was incorrect.

July 13, 2010, I called back looking for the correct tracking number. The rep was unable to locate a new tracking number, so I was pushed to a supervisor. The supervisor, Victoria, told me that the 7/7/2010 package had not been sent since I was no longer in the modification program because I failed to return the April 22 package, I again repeated that I had not received a package in April. I never even knew there was a package sent in April until just this week. She said since I had failed to return the package in the allotted time, my modification was closed and the option to modify my home loan was no longer available. After some lengthy conversation with her, she acknowledged that she understood I was unaware of the new package. She understood that I was reporting that I did not receive the April package.

She understood that I had responded appropriately in February when I received the first package. She also acknowledged that there were no notes to show that anyone had ever informed me of a new package being shipped or why a new package was being shipped. She said there was nothing I could do and nothing she could do because I had failed to return the April package within the time frame given me. Eventually, she agreed to email the counselor who worked on my modification and see if she would reopen the case. She also said that the package in April was sent due to a Citimortgage miscalculation of $3.00 on my escrow account. So I assume my true arrear is $15-$18 dollars. For that I have gone through all this? For $20 I am going to be processed as a foreclosure? I am seeing my credit, which I have worked diligently to uphold my entire life, be taken from me? Really? Does this seem fair or even logical to you?

I note that as of 7/12/2010 Citimortgage removed my modification complete statement from my home page when I log into your website, though it has been there since March 2010. Really, after 5 months? Despite making all my payments per our agreement, I am being reported to the credit bureaus as delinquent and in default, which has caused my credit score to plummet. I ask that you correct this with the credit reporting agencies, as your reports have been inaccurate and defamatory to my credit, my character, and my actions. Additionally, these reports have caused other creditors to increase my interest rates on my outstanding credit balances. I pay my bills and do not deserve to be treated as if I do not take my responsibilities seriously. I do.

At the end of July, I received a note from Citimortgage saying you could not remove the credit smear, since your records show that I am delinquent, but that you would report it as disputed. On July 14, 2010, I called a local lawyer for advice and consult. She advised me to put all this in a letter to you all, send it certified mail, and wait for a demand letter from an attorney. I did not mention the credit smear to her yet.

On July 15, 2010, I called to find out what had transpired since the supervisor emailed the counselor, there was no update. The rep gave me the direct line to my counselor, Patty **. I called and left her a message. I never heard back from her.

Throughout the rest of July and all of August, I continue to speak with your collections department. Going over and over the same information. Muhammed calls me every Tuesday to let me know that I am 3 months, four months, etc. behind. On the 24th of August, Muhammed and I had a conference call with Ernest, a supervisor in modifications. Ernest said he would ask that my account be reviewed and he would call me back by the end of the week. I never heard from Ernest again. On the 31st of August, Muhammed called me and asked what I learned. I asked him if there were any notes as to what Ernest had done. Muhammed said there was an entry from Ernest, but it was not a complete sentence. He then asked me if Ernest had called me. I said, "No, just you have called me only the collection dept calls." I can't get anyone else to call me back. Muhammed started in on his collection script, so I asked that he refer my case to the Citimortgage attorney or put me in front of a judge because I needed someone that would actually look at my case. We bid each other goodbye.

Saturday, 9/4/2010, I got a call from Courtney in collections. She asked me to fax this letter with all the details in to the dispute underwriter for review. I asked why the first agreement was not at least booked when it was received in February. Courtney did not know. She called a supervisor, she did not give me the name, the supervisor said that the original package was received, but due to the miscalculation, it was never booked. Instead, a new package was sent out with the new total. She was unsure how to proceed but agreed this was unfair and certainly not my doing.

So now I am writing the dispute underwriter with the hopes that someone at Citimortgage will look at this account logically and apply a fair determination. I have jumped through all the hoops, I received a letter saying my modification was complete. Your phone recording and website said I was complete. I have made all my payments as required by the only document I have ever received or knew existed. I have been told that my only option is to start the whole process over again! But that leaves me in default, my credit smeared, and starting out again at square one. Not only that, but for the period of time it takes to rework the modification, I am liable for the unmodified amount of $1918 which I can not pay, hence, the whole effort in doing the modification in the first place. Additionally, I have no way to make up the arrears all because Citi decided that they miscalculated by $3 and failed to even inform me to watch for a new packet.

Now, why would I do everything for an entire year, notarize and return the packet in February, see that my modification was complete everywhere I looked, and then assume there was some issue or new packet. I can tell you even if the packet had been delivered to me, I would have called to find out what the heck it was and why I was getting another packet since my modification was already complete.

Meanwhile, I maintain that I did due diligence, I operated under the only terms I have in my possession regarding my modification agreement. There is nothing in my agreement that even alludes to a second package or adjustments being made to the first package. I have repeatedly called trying to discern the issue since late May, when I became aware that something was amiss. Why it took almost three months to figure out there was a second package that was mailed, I have no idea. I do not know what more I can do. I am currently awaiting either a call from Patty stating she will send the new package to me with the additional $3 charge, fix my credit report, and apply the payments correctly to my account or a demand letter from an attorney, at which point I will engage my attorney.

Please give me the time and assistance to actually look at my account, apply rational thought, and then either send me the package (call or email to let me know you are doing so, so I can watch for it) or send this letter to your legal department. Please take me out of collections! No offense to them, but they really can't assist me and I am so tired of saying the same thing to a hundred different people.

I would like to bring to your attention a matter that I have been having with CitiMortgage. Loan number: ***. My address is *** st. Overland Park, KS 66204. My phone numbers are *** *** ****. *** *** ****. I have been working with CitiMortgage since April '09, trying to get some type of modification on my loan. An employee was working on something until July. She then quit and the process stopped. They foreclosed on my home but I was able to stop the process. We then started working on a Making Home Affordable modification. I mailed the whole package to them in Feb. 2010. I was sent a letter dated May 14th stating that I was denied due to not providing them with a specific document in the time frame required that they stated. I was informed about prior. I never received this letter.

I proceeded to call them many times and was informed that were still trying to work with me and that my house would not be foreclosed on yet. In the meantime, I was notified by Milsap and Singer, their attorney, that my house would be sold on August 5th. I was told by Sandra in the REO dept employee #xxxxx that my redemption period was until Feb. 1st. I then received a letter from Milsap and Singer that I had until Nov. 5th on the redemption period. You can understand my confusion.

I then started to work with Hope from the executive response unit. She did some research and did in fact find that they never mailed me the letter informing me as to what was needed. I have a voicemail from her on Sept 21st stating that she would send it all through to their underwriters based on the home affordable rules in effect in March and it might be two weeks before I heard anything. I called back several times after that and was informed that she quit and that it was never forwarded. It took until October 25th before my case was reassigned to Christian in the executive response unit at ext #****. He would not honor what I had been told by Hope. He informed me that he could not do anything unless I had a job. I told him that I am working on that diligently. Also, I am working with Valerie from the home affordable modification escalation team to resend another package.

I will be served an eviction notice by the Johnson County Sheriffs Department this Friday, November the 5th if we cannot stop this. We have had many hardships to deal with since Jan. '09. It started with me losing my job. My daughter had stage 4 ovarian cancer. My son had health issues. My wife's brother died in April 2010. She was his caregiver so she lost her job. I would just like CitiMortgage to follow through on the Feb. redemption date and give me time to get another Home Affordable Modification to them. If there is anything you can do to stop this, it would appreciated. Please do all in your power to stop this.

On 11/3/2010, Annette from the executive response unit also told me that I had until Feb. She stated that they would do everything they could to stop this before 11/5/2010, that is when my redemption period ended according to the county. I tried and tried to get them to convey this to my county clerk.

After conducting business with Citimortgage yesterday, today I received numerous calls wanting me to complete a customer satisfaction survey. But I just finished receiving up to 15 robocalls a day on this damn election and I don't need anymore unrequested phone calls. Quit calling me.

My husband and I went about refinancing our existing home mortgage. Once the process was started (9/2/10), we were assigned a processor (Thomas **), who emailed us to introduce himself. That was approximately 10 days after the file was opened. Since then we have sent numerous emails and telephone calls, not only to Mr. ** but to his manager, Odis ** and Mr. **'s manager, Wendy **. None of them called back in a timely fashion. It wasn't until October 19th that we finally got a call from Mr. **, telling us that we were ready to close, and he set up the closing with the title company for 10/22/10 at 7:30 pm. My husband, my 5-month-old daughter and I drove across Long Island to the address we were given only to find out that no one was there.

When I called the title company on the following Monday, they told me the closing was cancelled because the paperwork Citi sent was incomplete and that Mr. ** should have informed us of this. I called all the same people at Citi again and received a call back finally on 10/26 from **. He told me that he filed for the missing paperwork (which is apparently needed for all refinanced mortgages) and placed a rush on it. He also said it normally would take 10 days from the date requested which was 10/19. I asked if that was business days, he said no, making the latest day to receive the paperwork (Mecca) 10/29.

As of this morning, I still haven't heard from anyone regarding my loan or the Mecca. I have requested from anyone who would answer the phone at Citi for over a month to be assigned a new processor, they have not done so. I was however told that it is a policy of Citi for every processor to call each of their clients on a weekly basis to give them updates, even if there are none. When things are "out of your hands" it makes dealing with these large companies extremely difficult. Please help.

In July of 2009, CitiMortgage paid my 2008 taxes and they claimed my taxes were not paid in 2007 and they paid them a second time. No one is disputing these payments were made and they even gave me check numbers. I have been working with them since March to try and resolve this issue. I have faxed information to them, done research on my own and my taxes were paid on time in 2007. They told me numerous times that this would be taken care of and to continue to pay the amount I have been paying. In June, they said my account was three months behind because they have been putting the money into an escrow account because I was not paying the correct amount. They did not know where to credit the money. They reported me as being late to the three Credit Bureaus and last week, sent me a certified letter that they were foreclosing on my home.

I have made my payments at least four days before they were due every month. I have contacted them over 13 times and have six different ID numbers they gave me to check the progress. They have even elevated my account to their rapid response team, who sent me a letter telling me to send them the canceled check that I paid my taxes in 2007, when they paid all my taxes out of escrow. Their customer service is a joke. They transfer you to another department or a supervisor and you get hung up on. They all seem to be able to see the problem when you talk to them on the phone, but they don't fix it. They are threatening to foreclose on my home when I called them at least three times a month trying to fix their error.

Today, they told me they would submit another request to the Escrow Department but they have until November 21st to give me an answer. I can't wait that long. They suggested that I pay what I owe them and they will have to return the money when things are resolved. This has been the worst example of customer service I have ever seen and they have people in their escrow department that should be looking for a new job if they are this incompetent. Fine example of bail out money at work.

This is the worst company I've ever dealt with. I sent in a $50,000.00 lump sum payment to pay down a large portion of my mortgage. I allocated $48,000 to principal and $1,500 to monthly payment. They allocated the entire $50,000 to principal, sent me a late notice, imputed late fees, sent me a bill with two months' due stating they may submit a negative credit report. I have called and written to straighten their mess out. They don't care. I hate this company, and I'm a lawyer.

My wife and I purchased an investment condo in 2005 in cash and then refinanced/cashed out the property in 2006 with CitiMortgage. We've been paying a mortgage of $161,000 at 6.875% without a problem since then. Despite the rent not being enough to cover the mortgage plus the condo fee, we didn't mind as we thought of the difference as forced savings. Fast forward to early 2009 and I was laid off from a high paying construction position. Paying the $500 difference was no longer possible, but we took it out of our savings in order to keep the payments up. However, in July of 2009, we did contact CitiMortgage to ask for help as our savings was beginning to dwindle. After 4 long months of sending paperwork and confirmation of expenses and unemployment compensation, we were denied a loan modification. Their reasoning was simply that this was an investment property, fine.

Fast forward to April 2010. Still not employed, but with a very good tenant and an unreasonable association, we decided that the association, having increased the condo fee almost two-fold since our original purchase date without reason, would have to wait to receive payments in order for us to keep making the mortgage payments to CitiMortgage. Then we sought out CitiMortgage for a loan modification again in June 2010. We were late in July, as we had some unexpected expenses. Every time I called in for an update on the loan modification, I was told that there was still no decision and that we had to wait. Come August and we received a letter stating that the required paperwork was incomplete. Huh? I called in weekly and not one of those ** mentioned they needed more paperwork.

After talking to 3 different people, I finally found a person willing to listen to my argument. I am actually willing to keep paying the $157,000 I owe on a $90,000 condo, so long as the interest rate was reduced and the payments were such that the tenant's payment would cover all expenses. Mid-August, we resubmitted all required information to CitiMortgage, calling in to confirm receipt. This time, a young lady told me that the reason my loan modification hadn't been looked at was that Fannie Mae guidelines required that my loan be in default - two months late - in order to get any attention. Unbelievable! Who makes up these rules! Anyway, September came and went with no updates. Every time I called, the loan modification department just told me that I had to wait for a response, about 30-45 days from application.

Well, come October and I called in. Surprise, my loan is being transferred to a new servicer. So what happened to the loan modification process? It's a mystery. The loan modification department doesn't know what is going to happen. I may need to start the process all over again. Yet the collections department keeps sending demand letters. Who is the math ** that cannot make a decision based on the information provided in the previous 60 days? Can the brains behind the CitiMortgage loan modification department please stand up and make a decision? When does a bank not accept an investor willing to keep paying the loan balance, so long as the interest rate was reduced? Do you know that some local banks have been proactive and contacted commercial clients to renegotiate the terms of the loans in an effort to avoid a walkaway? Does CitiMortgage not see the big picture? What kind of a ** is running that show?

CitiMortgage made a payment error on my account in April 09, made another one in May 09, and has been charging me late fees, reporting me late to the credit bureaus, and acting like they will foreclose on me. It is now 10/10, and my credit is ruined, they keep charging late fees, and they call and constantly harass me with phone calls and letters.

I have been looking for an attorney to sue them, since talking to them 100 times in the last year has done nothing to correct the situation. They acknowledge their error, but then proceed to do nothing. Anyone out there able to recommend a course of action? I have tried going through OCC, MN Attorney General, BBB, FTC, DOJ-USA, and HUD. Please help me if you can. None of the others seem to help.

I am stuck with late fees in thousands, loss of all credit availability, bad credit reports, still not reconciled mortgage account. I also get credit calls and letters and general harassment.

Before we were late with any of our house payments, I contacted CitiMortgage in regards to our drop-in income and our need to modify our loan. They said I had to be 3 months behind in my payments to get any help from them. After draining all our savings and falling behind in our payments, CitiMortgage sent out a package to fill out and send back.

We did this about 5 or 6 times. We were approved for a loan modification trial period but CitiMortgage had no record of receiving any of our payments and lost all our paperwork several times and mixed our file up with another customers file (admitted twice by there employee). We are now $100,000 behind in payments with penalties and interest.

How could this be happening? When I call CitiMortgage, I just keep getting the run-around and a different story on how I could save my home from foreclosure. They way they treat there customers is criminal. This problem has caused a great deal of stress on me and my wife. I am tired of being treated like just another number. Even if CitiMortgage forecloses on my home, I will not leave!

My husband's income was reduced by approximately half. We were just fine on our mortgage when this happened. No late payments. But I saw the trouble coming with this huge reduction in income. I contacted them to get into a modification program. We qualified. Grewat! It was going to be easy to handle and give us some much needed breathing room.

We received our trial paperwork and began our trial payments. We received the final paperwork and it was all messed up. There was even someone else's name on it. I called to let them know that and they told me to "just sign them". I told them I would not sign them.

I continued to make the trial payments and sent them with a certified letter each month and have the return receipts and copies to prove it. They began foreclosure proceedings. I made a minimum of 16 phone calls speaking to a different person each time, if I could get a person. Sometimes I only got voice mails. Each time I did get a person, they told me they would have a supervisor review our stuff. No responses ever to these promises.

Then I finally received a letter saying I was denied because "Default not imminent", "you are current on your mortgage". Are you kidding me? I think I received that letter the same day I received the one about foreclosure proceedings being filed. This is a mess! We need help!

My latest attempt to modify my home loan with CitiMortgage was denied yet again today. Why? I have to keep calling to find out, and I still don't have any answers. I've been trying to modify my loan for over a year now. And I had, again, supplied all necessary paperwork and documentation 3 weeks ago, when a CitiMortgage representative called on a Friday to tell me that my house was up for sale the following Monday without any notice. To prevent the sale, I was told I had to pay $1150 and provide additional pay stubs. You would think that after a year of loan modification applications they would have enough of my pay stubs on hand. But I managed to pay the $1150 that day, and I had all intentions of providing the pay stubs they requested, except, our work offices are closed every other Friday due to cut backs, and our pay stubs are only available on an internal website that I can only access from within my office. CitiMortgage didn't care.

We need those pay stubs to stop the sale date, and that even after I had already paid the $1150. I ask why CitiMortgage didn't call me sooner to let me know that my house would be up for sale especially since I have been trying to modify my loan for over a year but got no real answer. If they don't want to modify my loan, fine, just say so. But to drag this out over a year and to never provide me with any answers whatsoever is cruel and stressful. I may lose my home of 13 years next week. I have a job, I pay taxes, and I am willing to afford my mortgage and yet I am scheduled to lose my home next week. Background.

I am a hard working, tax paying, and law abiding citizen. I am in my 40s and my husband of 13 years was laid off last year. He then decided to leave my son and me behind with the home we had shared and worked on, and all the bills that came with it. Our divorce will be final within the next few weeks. And since I was unable to support my son and our home, and still pay all our bills with my single household income.

I was forced to file for bankruptcy this year. I tried other things first, like the governments home modification plans, but I don't qualify for those because I have income. And I tried to settle my credit card with Chase, but they turned around and sued me, so I had to get an attorney and file for Chapter 7. I tried over and over again to get a loan modification during this time to keep my home - the home that was worth $450,000 in 2005, and which is now worth only $135,000. And serious repairs are needed. The total mortgage is over $300,000.

After denying all my loan modification requests (each time they never notified me that I had been denied, nor did they explain why, they just put up my home for sale), they told me to wait until I file for bankruptcy and that at that time their special bankruptcy department would be able to assist me. So, as instructed, I re-applied again after my filing and when I called back a week later to get a status, their bankruptcy department told me they cannot do anything for me while I am in bankruptcy.

Why wouldn't they have told me this to begin with? Why did they instruct me to re-apply and fax all necessary documents (which I have to do during business hours when I am supposed to be at work)? Why do they even have a bankruptcy department if they cant do anything for you anyway? As soon as my bankruptcy was discharged, I contacted CitiMortgage again to apply for a modification. This time, I was told I qualify for a traditional one. Again, I submitted my paperwork and called every day to make sure they had arrived safely on someones desk.

At some point about 3 weeks ago, I was finally told that I should be ok and that my paperwork should be in the mail shortly. I was so relieved. A week later, I hadn't heard anything, I called CitiMortgage back again. I was told that because of my pending divorce that I had to fax a county recorded spousal deed. And again, they told me this on a Friday and demanded they needed that info by Monday. I explained that Monday was a holiday here in California and the County offices are closed. She said Tuesday would be fine. I called my ex husband who was nice enough to sign the deed paper, notarized it, and faxed it back. He sent the original via express mail.

Tuesday morning, I took time off work again and filed the deed with the County Recorder. It was the only thing they needed to finalize my modification, so I was told. Tuesday morning, as soon as I got the document recording number, I faxed everything to CitiMortgage. When I called back, they told me, as they usually do, that it takes 48 hours to find out if they received the fax and to call back later. The problem with CitiMortgage is that you can never talk to your account counselor directly, or a person in charge, or someone who knows anything about your case until they look up some basics on their computer.

You always have to go through customer service, push the right buttons, enter your account number, then answer all the security questions, then listen to some government required speech they give you and then you have to explain, again, why you are calling and that you already talked to whoever and I just want to verify that they have gotten the documents. CitiMortgage never calls me, they will never mail me anything, and they never gave me a direct line to communicate with the right person. I feel misled, confused, and mistreated by CitiMortage. I feel their business conduct is cruel, harmful (I was submitted to the ER several times because of heart palpitations caused by stress), and I like to file a formal complaint about this lender. This is my house, my sanctuary, and the place I call home when Christmas and Thanksgiving is celebrated. I want to sue them and hold them accountable for the despair they cause me in my humble life.

It all started when my husband passed away in December of 2008. Shortly after he died, it quickly became apparent that I could not afford to mortgage payment, so my son took over and attempted to get the loan modified. After 3 months of filling out ridiculous amounts of paperwork over and over again because they kept losing it and after speaking to 10 different people, he was able to get the loan modified. This is where the nightmare really begins.

Upon confirmation of the new loan amount, the CitiMortgage representative said that there was a 3 month window where the new payments would be taken from my checking account automatically, which I agreed. But sometime during the 3 months, I would get a package of paperwork that needed to be signed, which would confirm the new agreement after which I would be sending payment through the mail. The payments were taken out of my checking account for many 8 months and I never received any paperwork.

My son would call them at least twice a month and they said the paperwork was in process and would be mailed shortly. Not only did I not ever receive the paperwork, but I never received a statement showing how much Principal & Interest I was paying. From the 4th month until the 10th month of the Modification, we must have made at least 20 calls to CitiMortgage and spent probably 20 hours on hold with these idiots.

On or about the 11th month so (around April of this year), I started to get late notices. When my son called they told him that everything is all set to just disregard the notices because they had a bunch of notices that went out in error. For the next 3 months, we got at least 8 more notices and we called on about 2 of them, then I just started throw them in the trash. That was until I received a threatening letter in June saying that my home was being put on the Foreclosure block in 30 days if I didn't send them $25,000.

At this point, I had enough and decided that I wasn't going to call them any longer and I wasn't going to fight. The torture and harassment that I have endured by these people over the past year and a half after my husband passed was way more that I can take. I decided to leave my home that my late husband and I worked so hard to maintain over the last 8 years, but I had no choice. I decided to stop paying them in June, which now started a whole new process by CitiMortgage.

My realtor took the home and quickly offers from a couple and it is now under agreement as a Short Sale. I have since moved on into a Condo and I just find out this week that even so CitiMortgage is in negotiations with the buyer. They posted my name and my late husband's name in the local newspaper as a property up for Foreclosure. This company ought to have it's doors closed forever and everyone involved in these tactics should be punished.

I had to quit working in 1999 because of declining health. We struggled for years with our mortgage as my husband was bringing in our only paycheck. We tried for years to refinance, and for every program we tried, we did not qualify. In 1999, our balance was $63,000 and 11 years later, paying almost $600 a month and no payments behind, we still owe $59,000. Where did all the money we paid go? Now we get calls even when we pay up to date.

We fell behind in our mortgage 5 years ago when we bought a family-owned business. Over the years, we would send extra when we could and sometimes we would pay what we could.

Now 5 years later, things are getting better for us. We called CitiMortgage to see if we could do a program to pay a large down payment towards the past due, and finance in the rest of the past due to get us back on track. While working with them (which took several months because their litigation department was so behind), they decided to put our mortgage in foreclosure.

Now we have a large fee due to the lawyers, in addition to the past due amounts. CitiMortgage claims it takes 4-8 weeks to run your application through the litigation department. They claim that my income verification reached them on October 4, even though I faxed it in September. I have a sell date of November 1 on my home. I can't talk to anyone other than customer service reps who send messages to the person handling my application.

I have asked them to call the lawyer and postpone the date of the sale of the house to allow them the time they need to process the application. I still have not received a response from anyone, other than the lawyer who said the sell is going as planned. If CitiMortage can't help those with past due amounts in 30 days, why plan for a foreclosure sale in 30 days. It is making it impossible for people to receive assistance once the foreclosure has started. If there was a better program in place, maybe foreclosures would not be so high across America.

We had a past due of $4k which was mostly combined last fees and now with lawyer fees it is close to $6k, which is harder to come up with. We are trying to come up with the money because we know that CitiMortgage is not going to pull through for us. We are not one of those who bought when the market was high and now owe more on than what it is worth. We bought 15 years ago and are on the down side of this loan. Is there any help out there for us, and people in our situation?

Then we applied for the remod using an HUD counselor, which we qualified for. But Citi has some messed up way of calculating and said that we didn't qualify. We kept applying for the remod 3 times, trying to show we needed help. Eventually I got a new job, one that pays less than my previous one and we reapplied again. This time we only had about 6 weeks before the auction date on our home was set to happen. I sent in all the necessary paperwork, faxed it, and overnighted it.

They called back two weeks before the auction date saying that I did all the paperwork wrong (which I didn't) and they threw it away! Then I got a call that same day, saying it was the IRS's fault the paperwork was not working. They said they had a 3rd party working on that paperwork and they decided to quit. Now they have to reprocess everyone's paperwork. I have been to a bankruptcy lawyer to see what my options are, but the house is my only debt.

I don't want to lose my house, but it looks like they have stalled just long enough that they get to keep it, not me. I am so tired of being lied to, pushed around, and harassed by the phone calls. I, too, have been transferred to the phone sex lines. I experienced dropped calls, phantom calls where no one is there, and hourly calls looking for money. I have seen the creepy photographers camped outside my house. Have had noticed thumb tacked to my siding. I will be glad when this process is over. I am done.

January 2010, I applied for a loan modification. I signed a contract from CitiMortgage that stated it would take 90 days and I would have a new trial mortgage payment. I was reassured I qualified for the program. After submitting all required documents and making my payments on the day I was required for 90 days, I heard nothing. On month 4, April 2010, I made my payment and was told everything was okay, that they were overwhelmed, but I was in final review. May 2010, nothing yet. I paid on time. This time I was quizzed by the girl why I was in the program and told some forms had expired and that I needed to resubmit. I did immediately and was told I should hear soon. June 2010, I made my payment, but no progress. A phrase that I hear every time I call was, "You are in the final stages of review."

July 2010, I made my payment with, "You are in final stages of review." July 26, 2010, I receive a much anticipated letter from CitiMortgage, but this letter pushes me to the brink of suicide. It claimed I was behind 2 months mortgage and could possibly be moved into pre-foreclosure. I called the number on the phone, but get nothing; just a full mailbox. The next day I get through, I get sent to my "counselor." I was told on July 19, I was denied the federal loan modification and on July 21 my account was sent to collections. During the conversation, the girl advised my account was moved to the company's loan modification and I should hear something within the next 30 days.

I still, to this day in October, have never received notice why I was turned down, per the contract I signed. My mortgage payment was raised $800 pre-loan modification. They added escrow without my permission. The following week, the next person I get a call from was collections. "Sell your house then, sir, we want our $11,000. Don't you want to stay in your house? Then we need that money." You are no longer in a loan modification. So I called back my "counselor". Her voicemail stated she was in training for 30 days and would not be checking her voicemail. Her supervisor had the same message. Now began the weekly calls for months in regards to people that I never spoken to twice. I finally had someone tell me I was in the process for a company loan modification, but it would now take 60 days; the end of September 2010 (9 months if you're keeping track). I finally had to contact a loan modification company to help me. That is $3300 out of my pocket. I paid my September mortgage on time, but technically I'm still two months behind.

October 1st, CitiMortgage collections calls like clock work, we're becoming friends now. But as for customer service, that's a different story. CitiMortgage left a message for me to call, "Mr. **, please call me (no name left) back at 866 Thank you." I called and had no idea who called me or why. A few days later, the service I paid for calls me and says a woman named Shirley (CitiMortgage will never let me talk to her) says she needs my 2009 taxes, which they have! So after 2 hours of trying to reach Shirley and getting denied, I'm finally told they want every piece of tax return I can send. I faxed 82 pages of Turbo Tax. It took 3 days to verify someone received it. I was eventually told it was received, but now Cory was my counselor. They even gave me his direct number. Well, Cory doesn't have a voicemail. The number given just rings and rings. It occasionally had a busy signal, but still nothing. This time I get a new manager at customer service who even gives me her employee ID number. She tells me that I have a different counselor. She says she is sympathetic to my problem and doesn't understand what the hold up is. Several e-mails were sent to Cory and my new counselor doesn't understand why no one has called me back. This manager promised she would call me back within a few hours to see if she got anywhere.

Three days later I'm still waiting, but my friend, the collections agent, called and promised to help me if I could at least pay my late fee of $1700, even though technically I have never been late and this isn't my fault, and though CitiMortgage doesn't see it that way. I don't know where else to turn or where to go. Why do these companies assume I just have $11,000 just lying around when they lied and put me in this position in the first place? I have never felt so lost and such a loser. I have thought several times of pulling the trigger and ending it all. Maybe my wife could use the life insurance money to pay for the house, but then I stopped myself.

Not because of the fear of death, the fear that my term life insurance is with Primerica, a company by Citi, which owns CitiMortage, which means my wife and kids wouldn't get a dime. Oh, and I'm now heading into month 11 with no end to this torture in site. I'm a police officer that has experienced and seen the worse that life can throw at you, but I always put the people I deal with in the public first. CitiMortgage just treats me like a dog.\

Our nightmare started over 1-1/2 years ago when we fell behind on our mortgage for reasons which were out of our control. CitiMortgage was kind enough (so we thought) by offering us a "loan modification", but we would have to put down/borrow $13,000 down to catch up then apply for the modification. So we borrowed the money from my grandparents and sent in all the paperwork that was requested by Citi, which we sent in 3 times! We hadn't heard anything in a couple weeks so I decided to call and I spoke to Valerie on 10/27/09 at 866-413-4560, and she stated that we were approved for the modification. I cried with joy! We started making payments of the "new modified amount" ever since then. We have the paperwork from Citi stating the new amount along with a printout from our bank with the payments that we've been making with the new modified amount! We have even been getting monthly statements from Citi with the new modified amount also.

Life has gotten better for us and we have been making good on our loan payments. Then all of a sudden, on Wednesday, 9/22/10, we got a hand delivered letter from "The Commonwealth of MA Land Court" stating that Citi is foreclosing our home on 10/18/10. Our home! OMG! A letter from "Harmon Law Offices" was attached also. I freaked out, called the attorney's office, spoke to Josh and he said "Not to worry, I don't see you on our list, I don't know why Citi does this to people, you can disregard the notice or you can contact Citi to see what they have to say." So I did! I called 800-695-0384 or 866-272-4749 (I forgot which one) and spoke to Leesha.

She told us we were denied back in April. I asked her why and why weren't we notified. She looked at our notes and said "I see that you weren't. I don't know why you weren't." I then asked to speak to her supervisor. Her supervisor, Stephanie, got on and pretty much told us, "Oh, well, you have to stop making payments and that they were going to return all our payments that we have made since April and that we would have to "re-apply again." I told her we didn't need to, we don't want to. She asked if we did or if we filed bankruptcy that they can see what they can do. I said, "No way!" I asked her why this is happening, and she told me that she didn't know, but we had to do what she said. OMG!

I contacted Senator Kerry's Office, I hand delivered all my proof and a copy of all my documents to him and they said they were going to help us. I did get a couple of emails from Matthew stating that they have made some calls and they are working on it. I couldn't wait any longer. I then contacted our State Rep Jay Barrows who then connected us to Congressman Barney Frank's office who has now said they have made contact with Citi and have opened a case.

Today, we haven't heard anything, I've been emailing like crazy trying to get answers because my husband got a call from CitiMortgage's representative Annette at 877-245-2511 extension 1803207 who stated they were going forth with the foreclosure! OMG! My husband told her to talk to me since I've been dealing with this nightmare. He also told her what we've done, what we've paid, and who've we've talked with, and she had no record of any of it on our file! I called Annette and LMT, called again, she answered. I told her who I was and our loan number and she hung up! I called back LMT, I called back again and she said she couldn't talk because she was "busy on another case and that she would call me right back on the cell phone number that I gave her so she wouldn't miss me! I'm still waiting!

Whoever is reading this, I am real, we are real, our 14-year-old son and 11-year-old daughter are real, our 2 poodles are real, and our bearded dragons are real! We don't want to lose our home, please help us! Please! We don't have much time. We've already wasted too much time waiting for help that I'm not sure is even there from what CitiMortgage is saying! What should we do? I've been home, out of work sick, physically sick over this! I have a heart condition and I'm not sure how much more I can take, how much more my family can take either. Please help or at least guide me. I'll do or go anywhere to fight this, please! Thank you!

After speaking to several different CitiMortgage representatives, my mortgage account is more screwed up than ever. I've been actively trying to get my account corrected for several months. Each representative has a different prospective on the account. The information is never passed on, thereby causing the consumer to constantly repeat the situation. The situation gets worse and never resolved. I have attempted by phone and email to have my account audited. My additional mortgage payments were being held in unapplied funds by CitiMortgage. The company was piling on fees, and reporting their misinformation to credit companies.

According to CitiMortgage in August 2009, my account was in arrears for $4000. Yet in August 2010, I had over $6000 in unapplied funds. Once these funds were distributed, they claimed I was still 1 month behind in my mortgage. How is this possible? I have been making additional monthly payments for well over a year, they misapplied my money, and now claim that I owe exorbitant fees. They have been taking the extra monthly money that I have been sending, and creating fees, i.e. unsecured clearing charge, reinstatement to expense charge, and even returned payment charge, even though I have been making regular timely payments to include additional payments that were to go towards my principal once my account was current.

I am exhausted with dealing with these buffoons. The last two representatives that I spoke to assured me that my account had been corrected. I actually sent more money this month because I was told it would bring my account current and any extra would go towards principal. The extra that I was sending plus the money that I had sent over the past two months would equal 1 monthly payment. I have since received info via mail, and online that all funds have been sent towards their extremely unusual fees.

I would like an audit of my account. I am certain that if CitiMortgage had not taken monies and placed them in unapplied funds, that my account would not be so corrupted.

Citi Mortgage is a farce. They don't care what happens to their clients/customers. I lost my job and tried to do a modification with them (my interest was 10 percent). They have lost all of my paperwork twice and I had to restart the whole process. They are still requesting the lost papers that they lost. I believe that they just want their houses back to foreclosure and not to help the people that have been making their payments.

We are currently working on a Loan Modafication, with a Sheriff's sale tomorrow (Oct. 12, 2010), which I've been trying to get postponed all day. The problem is that no one that I speak with at Citimortgage's Homeowner Asst Team (1-xxx-xxx-xxxx) can get a hold of or give me the ext # for Eric *** (counselor on our Loan Mod).

Tonight, I was told by the account manager (didn't get her name) that the only ones that can stop the sheriff's sale tomorrow is the Foreclosure Dept, which they have send emails to about it but they did not have a phone number for to call them direct. I don't know about anyone else but it does not make. Any bit of sense for a big company like Citimortgage to not have phone numbers of their people, no matter what office that they work in. You rely strictly on computers? What will you do if your system crashes or like in Aug 2003 with the 1/3 of the country blackout. Did anybody do anything during that time? Beings that you don't call anybody? You only communicate via computer?

I guarantee that anyone that works within General Motors, Ford or any other company can call and contact anybody else within their company and speak to them or at least leave a voicemail message for them to contact them back. I think that Citimortgage is one of the worst companies that I have ever dealt with in my entire life. I'm very sorry that we ever signed a mortgage contract with Citimortgage. Don't be surprised if you at Citimortgage starts to hear about this on the local, state and national news because I'm going to contact them and give them all the information.

So far as of tonight, I've been busting my butt for the last two months to get this Loan Mod setup and filed for. They take 30 days to send me the paperwork and now with the sheriff's sale tomorrow (10/12/2010) I'm hoping like hell that I don't lose it out from under us. I have to wait until tomorrow morning to call Citimortgage's Attorney's office (Trott & Trott) to try and at least find out what time the sheriff's sale is.

Due to the nursing home and miscellaneous medical bills, we filed a "Save The Home" bankruptcy a little over five years ago. All payments were made on time and every creditor was paid in full, according to the agreement and over three months early.

It is now a year and a half later. Citi still has not provided an accounting as requested by the court as well as my attorney. Immediately after paying off this bankruptcy, we had a house fire. Though there were signs clearly stating who was taking care of rebuilding the house, Citi claimed the house was abandoned and paid a contractor to break all my locks, put in their own and rummage through the remainder of our belongings. We've found most of our important documents, but still haven't had time to properly file everything. Imagine the nightmare we had filing taxes.

They even caused $1200 damage to my wife's car, which is still in the garage. Yes, I have photos to document everything! Though I qualified to have PMI removed at the time of filing, Citi still refuses to remove PMI from my monthly statement because they say that they still show my account as being in bankruptcy! PMI is not cheap. 18 months of paying that which is not owed comes to a lot of money. Still, no one will talk to me. I've even emailed Citi's CEO.

My contractor was held up rebuilding my home by over a week. My son, recovering from PTSD, was not able to recover much of his memorabilia from serving in Iraq. I had to replace our locks, repair a window and two screen doors out of my own pocket. My wife's car still has $1200 damage. I am still listed as being in bankruptcy and I've paid nearly $1500 in PMI that I did not owe. Much more, though, is the psychological damage of having to go through all of this. These people have shown absolutely no concern or simple cooperation in dealing with it all. How do you put a price on such things?

In August 2010, I was 2 months behind on my mortgage payments. Citimortgage sent me a letter dated August 24th, saying that I had to respond in writing within 10 days of the date of their letter, indicating whether or not my property was being secured and maintained. I responded the same day (August 30th), telling them everything I had told them 14 months earlier: the house was vacant, was being maintained and approved, was secured, and was for sale.

On September 9th, without notifying me, Safeguard Properties, on order from Citimortgage, broke into my locked house, broke the front door lock and placed their own padlock on the doorknob, mowed the lawn even though it was mowed 2 days prior, and tracked grass through the house. I contacted Citimortgage and paid all that was due by phone, and complained about the actions of their security/maintenance contractor. I now have to pay the bill for the unnecessary services performed by Safeguard Properties, and they still have not removed the lock.

I have a buyer ready to buy this home from me, and I am unable to sell it because with their lock on the front door, I cannot turn over complete control of the property to the new owners. Calling Citimortgage is getting me nowhere. I can't even live in the home because you can't use the front door from the inside either, which makes it uninhabitable under the fire code. I'm stuck paying for a home that I can't sell or live in, and all because I can't get Citimortgage and Safeguard Properties to do their jobs.

We submitted a loan modification application under the federal government's HAMP. We provided all the documents requested by CitiMortgage and cooperated fully with their requests. We received a notice that we were approved for a trial loan modification and that if we submit modified payments for three months (and provide certain documentary proof of certain things), then we would be approved for a permanent modification.

We then made three modified payments, but didn't receive final approval. They switched underwriters 5 times, lost our paper work once. The second underwriter said we were making $120k per year (grossly inaccurate and no idea where that number came and they did not know either).

For 9 months we tried calling and writing CitiMortgage to inquire about the status of a permanent modification. Our permanent modification is dragged out for 9 -11 months. Finally we receive a notice that we do not qualify for a permanent modification. We are in default on our loan and that since having paid $1700 per month as we were told to do by 2 different Citi reps and were told not to make full $2200 per month payment because we would not be considered if we continued to make full payment or in Citi reps words our hardship and need for a reduced APR, it would be more difficult for them to approve.

Now, a year later we owe thousands of dollars with all past due plus Harmon legal fees for foreclosure. In total, we owe $16k to settle if we want to stay in our home and avoid foreclosure. Meanwhile, our credit has been completely ruined because CitiMortgage has been making negative reports to all 3 credit bureaus and at this point we would never qualify for a competitive refinance to pay off the claimed amounts due.

I had a loan with Citi Mortgage for 10 years and made the payments on time. When I sold my house, Citi Mortgage told me they were charging $45 to fax me my loan payoff balance. This is not industry standards. At the closing, I learned that I had to wait 3 weeks to receive the balance of my escrow. I do not receive interest on my escrow balance. I filed a complaint with the attorney general's office. I would never recommend this bank to anyone.

In October 2007, I lost my job. I asked CitiMortgage what I can do about my loan. They told me they don't help people like me. I said what does that mean people like me, they said, "just make your house payment." I have never been in this problem before, so I was not sure what to do so I just kept paying my house payment. I did find a job but the job did not pay as much and with everything else going up. I ran out of money, all this time worrying about everything.

After I ran out of money, I stop making my house payment. Then they said, "okay we can help." So we set up a price I could pay. All was fine then in 2 months. I started to get calls every day about money. I said I don't have that kind off money that is why for the last year I have been begging for some help. So I talk to my lawyer and he said to stop making my house payment. They called and wanted to no why I did. I told them about being harassed every single day. Then they said okay if you start making your house payment, we will stop.

So for the last year, I have been making my house payment and every 3 months they say we did not have enough time to process my loan and I need to start over again. This is like 4 times now. When do I get closer on this? Evey time I say how much longer then they say soon but nothing happens. Now today, they called again and said I did not send everything in, which I did. "Well we don't know what happen. You need to start over." I said is there someone that I can complain to about this. He said, "not really but you can write to this number by mail only." I ask is there a email address I can write. They said no. So I think that was a lie. I watch the news ,and I think they are just playing games.

I lost my six-figure paying job in March 2008. I was fortunate to work on a long-term temporary assignment from May 2008-January 2009 and then again from March 2009-July 2010. My temporary assignment paid a fraction of what I had made from my permanent employment. However, I was getting paid and I tried to modify my mortgage with Citimortgage several times.

On December 31, 2009, I spoke with a Citimortgage Loss Mitigation Specialist and she told me that I qualified for the loan modification under HAMP. I was told to fax over a number of documents which totaled about 62 pages and over $100 at FedexKinko's to fax each page. A couple of days later, I was told to resend the same information. So, I did again.

Two weeks past by and I called to check the status of the review and I was told that they were unable to find my documents in their system and therefore, asked me to resend the documents now a third time. So, I complied yet again. Two weeks later, I was told they needed me to resend the documents again because they couldn't find them. Throughout this entire process, I have been switched around from one person to another and never speaking to the same person more than twice. In late February, they told me that they had my documents but I now needed to submit updated documents through the current date; and so once again I faxed them the documents (updated). Then, they said that my file is under review but when I called back to check again in March, I was told to fax in another set of documents all updated. I once again obliged.

Then, I was told once again that my file was under final approval and it generally takes 45 days. Well, 45 days came and went and still no final resolution. I was told that my file had not been assigned to an underwriter yet. The underwriter needed to review all of my documents and the HAMP model before a final approval could be made. Now, it's June 2010 and I am still told that an underwriter had not been assigned to my file for review and that the wait would be a little while longer.

I called back in July 2010 and was still given the runaround that an underwriter had not been assigned to my file. By this point, I was beyond frustrated and I seriously couldn't make the mortgage payments so I just stopped paying. I was unable to keep up the payments that is why I was behind in the first place and seeking a modification in the second place. I was advised by an attorney to file bankruptcy given my changed circumstances, meaning my financial inability to pay all obligations. It is evident that Citimortgage had no intention of modifying my loan.

I believe they were playing a "waiting game" hoping that consumer will have the means to afford repayment. Unfortunately, it didn't work that way in my case. I eventually found a permanent job but it only pays what I was making on my temporary job, which is still a fraction of what I made in my previous six-figure job. I feel like I have been forced into bankruptcy as I cannot afford to have my wages garnished. Citimortgage is now trying to sue me for the balance of the mortgage.

I pay my mortgage payments every month, but they have actually stated to me and my legal representation that they want to foreclose because I have 2/3 equity in my property. My mortgage payment checks to CitiMortgage are cashed by Citi every month, but the amounts are not applied to my mortgage. Every month Citi reports to the credit bureau that I have missed another payment. We, the people, via the US Government own shares in Citi Group: we can make them operate ethically. So why don't we?

Do not believe anything anyone from CitiMortgage tells you! They are lies! I believed their representative when CitiMortgage (my current mortgage) contacted me to refinance. I called the representative several times after the initial contact questioning the information he provided. Now after they got my $500.00, I find that he lied! CitiMortgage has held up my process so I won't meet the lock in deadline and now it will cost another $400.00. I am so angry I could scream! They already have my money for their processing, they will get a higher interest rate from me due to their lack of processing and it will cost me more for the processing.

In 2009 my husband and I contacted CitiMortgage to do a loan modification because our payments went up $700 to $800 a month due to incorporating our taxes into escrow which we had trouble paying due to job loss and medical bills. They told us to pay a modified payment for three months and we would qualify for a modification.

Seven months later, we were denied for the Obama modification and now because of this, we were $15,000 behind which was due immediately. We didn't have $1,5000, so they suggested we try for a traditional modification and said it looked like we would qualify for that. Since then, they have requested paperwork over and over that we have sent in in a timely manner and even cancelled our modification twice because of this when I specifically called and checked to make sure they had received it all and they confirmed they did.

I called them weekly, sometimes daily, to check on the status and they would say they had everything, only to cancel the modification when it got to underwriting. Lindey ** never returned a call or email from anyone ever! I complained to supervisors that they were dropping the ball and this was their mistake. But they just said, "sorry, you have to start all over again", to which I said, "why, so you can drop the ball again?"

We were given the runaround for 2 years on a home mortgage workable solutions plan and CitiMortgage refuses to help us. After running and jumping through hoops, making weekly phone calls and providing every info they asked for, they turned down the assistance and will not workout a solution; instead, they're demanding the delinquent balance or they will begin foreclosure.

I am writing to you in hopes that you may be able to help me protect my home from foreclosure by CitiMortgage. Below is my story and I hope that you can provide some guidance as I feel that my only option at this point is to try to borrow money from relatives as well as sell my vehicle to pay for the reinstatement of my mortgage. This situation came about due to my losing my job due to increasing epileptic seizures accompanied by extreme anxiety occurring during work and affecting my ability to perform my job duties. I am not able to drive due to my disability and it has made it difficult to gain employment despite my education. I also have an autistic child and we desperately need help to save our home from foreclosure.

I believe CitiMortgage intentionally lied to me in order to begin the process of foreclosing on my home. I have researched CitiMortgage foreclosures and found that many other people were given the same instructions that I was given and after following them, lost their homes. I have spoken with HUD counseling as well as three attorneys who have told me that CitiMortgage is too big and powerful for them to help. They told me that CitiMortgage has enough power to do what they want and that it would take someone with a great deal of power to make a difference. I am hoping that you will investigate this matter and help me. I don't know who else to turn for help so I'm telling you what happened to me.

My application for a loan modification was rejected May 20th butIi was never notified of being declined. I received a letter from them dated June 9th, after my application had already been declined without my knowledge, welcoming me to the foreclosure prevention program. I was told not to make payments until I received my package with the trial payment information. I was told that late charges would be dropped and the late payments would be rolled into the new modified loan and at a lower interest rate.

I called numerous times during the months of June, July, and August 2010 and was told each time that my application had gone thru the review process and was with the underwriters who were calculating the new mortgage payment based on our income. They told me that I could hear from them from a few days to 30 days. They advised that I may continue to receive letters notifying me that my loan was in default but that they could be ignored because the system generates them automatically because they had no way of updating my profile to show that I was in the loan modification process. I then received notice that my account had been turned over to an attorney for foreclosure. I am being told there is nothing I can do other than pay $8300 to reinstate the loan or they will sell it on Nov. 10th. An additional $1500 will be applied to the lump sum payment Oct. 1st. They never gave me an opportunity to save my mortgage because they lied to me until it was too late.

My payment is due on the 14th of every month. Citi Mortgage called and I informed them that I would make my payment on the 23rd since I have a 15-day grace period. Citi Mortgage still continued to call my house. In one day, I receive 10 phone calls. The phone calls start at 8:00 am and end by 9:00 pm. I told them to stop calling me and they are harassing me but they still continue to call. This goes on every month.

After purchasing our home, Quicken Loans sold our mortgage to Citi Mortgage. Citi paid our property taxes twice, depleted our escrow and failed to pay the Municipal Utilities District taxes. After the depletion of our escrow account, Citi raised our monthly mortgage payments from roughly $1200/month to around $1900/month. We paid the $1900 for a few months, but went back to the original payment when we were unable to pay other bills. Every payment has been paid on time, but since it wasn't the full amount they wanted, we were charged late fees and Citi reported delinquent payments on our credit.

Since the beginning of 2008, Citi has been reporting these late/missed payments resulting in our credit scores plummeting. I started trying to get Home owner assistance from Citi since November of 2008. Citi either lost some documentation or said something was not filled out correctly. I went through this process at least twice before I had to resubmit all paper work yet again for a different type of program assistance. I finally got the paperwork approved and was sent the new monthly payment amount.

The mortgage had been slightly reduced, but after about a month of the "new" reduced "fixed rate" payment, I started to receive statements stating that starting in October 2010 the mortgage will increase $200. I still am not sure why with the "new fixed rate payment", the monthly payment is increasing? My credit is in the toilet and at no fault of mine.

Wrongful foreclosure by CitiMortgage.My mortgage with CitiMortgage was okay until May 2010. I was late sending in the May payment. They received $950 on June 6. On June 1st, my payment increased from $912 to $982. So, they did not apply my $950 payment to May. Instead, my payment went into an unapplied fund account. I sent $1,000 in July and another $1,000 in August. However, my payments for three months of $2,950 are all sitting in the unapplied fund account. This week I received notice my house is in foreclosure and I am current on my payments.

I am one of the fortunate ones, as I still have a very good income. However, in May, 2010, I became ill with fibromyalgia and some other health issues and went out on family medical leave the first week of June; thus my mistake in making my mortgage on time in May. However, I have had my mortgage with CitiMortgage since 2003 and have always paid on time! This is criminal, what is happening across our country to homeowners! CitiMortgage must be stopped!

I have a 30-year fixed rate mortgage that was initially written by Quicken. Shortly after I purchased my home, it was purchased and that is when it all started down hill. The initial problem started when Citi triple-payed my property taxes which resulted in a completely depleted escrow account. They in turn raised my monthly payment. The process to find out why my fixed rate had been modified took almost six months and to this day, has still not been resolved. I have been late on bills in the past but not my mortgage.

They have been reporting negative payment history for over two years now and will do nothing to resolve the issue. They are simply the worst financial institution I have ever dealt with. I do not know what to do to get them to fix this problem. I no longer will ever qualify to refinance my home with all the negative payment history I have on my current mortgage.

I am currently dealing with CitiMortgage for the past 6 months for a loan modification. **! Fax this. Fax that. I'll transfer you to someone who knows how to deal with your problem. I don't know why this is happening to your account. Your documents were misplaced. Are you sure you mailed it to the right place? Oh, my favorite is this: "Call us back in two weeks." **?I'm beyond frustrated. A stranger keeps coming to my house and takes pictures of my house.

I have been trying for loan modification for two years. We are refused because they say we do not have financial hardship. My husband had a severe stroke two years ago. He was working up to the time of the stroke. He is now severely handicapped and left side paralyzed. Our only income is social security which is $2300.00 per month. We had to rent our home out and rent a small duplex which is handicapped accessible. Our home had many stairs and would not work for my husband without a lot of costly changes.

We moved near our daughters so they can help with the problem. We spend $2500.00 per month out of pocket for aide care that is for five hours per day six days a week. We are both 71 years old. Property value has falling in our area. We would like to hold on to the house in the hope my husband will get better and we will be able to return to the house we have lived in for forty years. If we have to sell we would like to wait for a better housing market. I have tried everything, but because we do not live in our house they refuse our modification. We do not own any other property. Any help would be appreciated.

I was told that if my husband signed a quit claim deed, I could refinance. Then i was told that Citi would not touch it. There has been nothing but misinformation since April. I had a mortgage audit done; it was a violation in the TILA. Citi has had this info in April. They refuse to look at the problem. Mortgage network sold loan to Citi and the company that did the calculations is out of business. Now, I am 3 months late with no help available. My husband makes 20k, year ratio was 51 percent; he should have never been approved. He was given the loan because the house value was 485k. Now, it's 310k, please help.

They don't know their ** from a ** in the ground. If you called and spoke to 3 different people, you'd get 3 different answers. We had set up bi-weekly payments to take care of our house note. Then they call saying we're 4 months behind, and are 'holding' over $650 of it.

My wife and I refinanced our loan, through our existing loan company CitiMortgage. Our home value was overestimated, and with salary downsizing due to the economy, our payments became difficult to make. CitiMortgage contacted us with the opportunity to join the Mortgage modification program. We filled out the paperwork and sent it in. We have worked with earnest to qualify, and communicate with their loan modification program, and direct loan company.

We have had miscommunication, consistent phone call hang ups(both computer and customer service). We have received letters from CitiMortgage that have not acknowledged modification payments made, and state that we are months behind on our mortgage payments, when in fact we have been paying into the modification program each month. There is zero communication between CitiMortgage and their own modification program. When we called to find out how our application was coming along for the modification, we were told they needed two recent pay stubs from each of us. They were faxed to the number given to us, only to find out that this fax number, while still in service, was not the correct fax number.

We have spoken to numerous people at CitiMortgage about our modification problems, and were told that they are behind in processing applications. This should be CitiMortgage's problem, not ours. We were recently sent a notice of foreclosure, because we have not made our payments, according to Citimortgage. We finally spoke with someone today, who does acknowledge that we have been making payments, but cannot help us avoid foreclosure. We were told that our application for the modification was still in review, and that we have been denied, because they didn't get the documents we sent to an incorrect fax number, that CitiMortgage gave us.

We are very frustrated that the internal problems at CitiMortgage are affecting our ability to qualify for the modification program. We were told when we first applied that this would be a lifelong modification to our loan, but today we were told that it was a four month modification only. CitiMortgage has been less than honest with us, and cannot even communicate among themselves, yet alone with us.

We have had CitiMorgage representatives enter our home without notice, wanting signatures of legal documents. Now we are receiving foreclosure threats. We are struggling to make payments, and had this month's check returned, but will make it right ASAP. CitiMortgage customer service stated the modification payment amount we have previously been instructed to pay would cause penalties, and lead toward foreclosure, yet we are still in review. The stress this has caused is directly impacting our ability to sleep, and to maintain some kind of normalcy in our lives. We thought we were signing up for a program that would help us alleviate some of our financial stress, not cause more. The lack of communication between Citimortgage and their loan modification program is unacceptable. We are trying very hard to keep our home, but CitiMortgage is making this almost impossible. The Government bailed Citimortgage out, yet they have done nothing to help their customers.

On March 2010, I requested for a loan modification do to the circumstances of my disability. I immediately went online and filled out the hardship packet. Along with that packet, I sent in all of the supporting documents requested. So I waited for a week as I was told that no one will be assigned to my case for review. But what I would do to cover myself, I would call in every week to see, if it has been assigned to anyone. They let the packet go 30 days without anybody assigned to it. So now I'm furious.

When I finally spoke to a representative the representative insisted that I re-submit another hardship packet and I did it all over again. Now, I'm thinking a whole month has past and there was no help whatsoever. Now that the more I was calling in to check on the status of my packet, I was being hung up on or disconnected you might say, but it was ridiculous. I was shocked over the amount of unprofessional service from this mortgage lender. I never thought that my lender would treat their own customers like garbage. But anyway, doing over a period of three months, the lender refused to open the file for review because of insufficient income. Not even showing me that I would qualify for any modification. This like kicked me while I'm already down.

There was no effort on their part as to finding a resolution to my problem. If I recall, I thought this Obama program was for struggling homeowner in distress. "Citi wasn't following the government guidelines in my opinion". If that was the case, I wouldn't be facing foreclosure on my property. They didn't make ever effort to save my home. They did what they wanted to do, buy themselves sometime to tell me at the last minute that there was nothing they can do. They said they exhausted all options. I felt that I didn't get a fair shake in this whole ordeal. That was five long freaking months they jack me around especially the loss mitigation department. Citi loss mitigation department is known to belittle its customers. I didn't have no other choice; either have my family out on the street or keep a roof over our heads. So I've done what most people would do, file for bankruptcy. I know that I have to deal with a horrible credit score, but my family isn't out on the street. I can say this, I hope and pray that CitiMortgage goes under and fold.

In 2006, I started a non-profit organization to help youth. Although it was totally worth it to be able to help families in my community, I had to take a significant pay cut in order to start and maintain the program. As a result, I was unable to pay my mortgage. I started the process of applying for a loan modification from CitiMortgage in April 2009. In September 2009, they offered me a temporary "trial" modification of my payment while they continued the process. The original paperwork I received from them approved the trial modification through December 2009. When they still had not reached a decision, I began calling their Customer Service department on a regular basis. Each time I was told to just continue to pay the amount stated on the trial modification until they reached a decision. After months and months of calls to Customer Service representatives with no new information, I began receiving daily phone calls as well as weekly emails and letters from them stating that I was delinquent and needed to pay $10,000, $12,000, $14,000 to become current.

When I would demand to speak with a supervisor, I would be told to disregard what I was told, that it was a mistake, that it was generated automatically by the computer system, that my application was still being reviewed and yes, to continue paying the modified amount. Last week, I was finally contacted and told that my application is being denied because my income-to-debt ratio is too high (meanwhile I have never been late on my mortgage payment!) and that I needed to pay $18,000 immediately to get my account current. Or I could accept a "Special Forbearance Plan" in which I can pay half my mortgage for the next 6 months. Sounds like a good plan, right? I thought so too until I got the contract in the mail. They are expecting me to write them a check for $27,000 on March 1, 2011! I accepted the deal (what choice do I have?) in hopes that I can find another solution between now and then, like possibly re-financing. But guess what? When I asked the underwriter about refinancing, she told me that I did not qualify for refinance because my account has been delinquent since September of last year! So basically, I followed their guidelines (pay the trial modification amount) and now I'm being penalized (locked out of refinance) for doing so.

This is criminal! Whatever you do, stay very far away from CitiMortgage! I am now in danger of losing my home to foreclosure because CitiMortgage has denied my modification application after 16 months of deliberation and made it impossible for me to qualify for refinance.

Phone calls bordering on harassment with 36 calls in one week and as many as 12 per day. I have gotten to the point that I have had to block the number.

I have had my mortgage with Citi for 2 years and I have never been late. On July 15, I went to pay my July's payment to them through their online payment service. They took out a double payment. I called them and they said there was a problem with the online banking. They credited my account for the $1179, then three days later, my bank returned the check for $2379.00. I did not know this. Citi, in the meantime, reverted back 5 payments and put my account in delinquency. I called them and it took two weeks for them to figure out what they had done.

In the meantime, because they took the double payment out in the first place instead of one payment, it caused numerous checks to bounce and the fees. They refused to do anything about those. When they finally figured out the mess in my account, I immediately paid them what I owed them. I was told on three different occasions that my credit would not be affected and they would not report it to the credit bureaus. They reported me 60 days late. I wrote them a letter showing my printout and the mess they made and they say it is my fault I was 60 days late and it will stay on my credit. Up until then, I had no late charges no late payments. I have disputed this with the credit bureaus.

I tried calling them again on August 25, 2010 and they still say I am 60 days late. How can I be 60 days late when I have a print out showing I was current until their mistake with the online banking system? I have called them at least 12 times and have been on the phone 2-3 hours at a time without any results. They refuse to give me to a supervisor. I demanded this and they transferred me and the call got disconnected.

Citi does not want to help you with loan mods if you have equity in your home. They sent someone on a drive by to check my residence. I have not worked in 18 months, no employment or income. I sent them 68 pages of documentation. Most people would have given up. I have years of payments on time. I've gotten caught up on my payments. We're printing this in every newspaper that will accept it. They have [messed] my marriage/children up, they were very nasty with their letters. I'm only 53 years old. I had a heart attack, about to lose my house. They want you to lose everything. My mod has been going on since April, equity! I'm not a quitter and I'm not a whiner.

My credit union didn't cancel my check in time, so CitiMortgage cashed two checks, one on 8/13/10 and one on 8/19/10, for the same amount. One check was applied to the mortgage, the other $1235.40 was put somewhere to sit. It was not applied to the next payment. I was not contacted to ask why I paid twice or asked how I wanted the funds applied. Customer service is not able to apply these funds, only loss mitigation who puts holds on even receiving a statement. I believe Citi purposely does not send statements and does not tell you you will no longer receive a statement so that if you are late on a payment, they can start foreclosures.

I was contacted in May 2009 by CitiMortgage asking if I was interested in lowering my interest rates on my home in Maryland. It peaked my curiosity and I inquired, requesting more information. I spoke to the representative named Brian Jeffrey **. I told him that I did not want to pay any closing cost or any out of pocket expenses. He provided the information that I needed and we began the process. I had to pay an application fee of $425.00. I also inquired about a second home that we have with a different lender and inquired about a refinance with them on this property. I got the information and provide a credit card to pay that application fee of $425.00.

This is when the nightmare began. I received two packages in the mail requesting information, which I sent to CitiMortgage approximately on May 20. I sent all the requested information with the exception of a few items which I had questions about. Once I got the answers to my question, I sent the information via email. I continued to get emails that they had not received information so I sent it again and this continued to happen. This happened a number of times since the first of May. I must have sent the same documents to them at least five times. One thing I forgot is every time they sent me a GFE, it had closing cost which I repeated to them a number of times that we did not have the money to put out of pocket. I was told repeatedly that we would not have to pay the closing cost.

CitiMortgage lost 2 payments in Dec 08 and Jan 09; one I was able to reverse but the other one is still lost. Most of the persons I have contacted at Citimortgage appear to be incompetent.

My job at CREE ended in October of 2008. My husband and I planned to expand our business. In Feb of 2009, I became pregnant with our daughter. Our medical bills sky rocketed because we had to pay for COBRA coverage from my previous employer. After our daughter was born, we changed to a less expensive policy in an attempt to save some money. Unfortunately, our new policy does not have the same coverage and our medical bills have increased substantially. In addition, business at our own business slowed due to the economic downturn. We purchased our house for 500,000 with 2 loans interest only. We are now 200,000 under the water and still have no principle being paid.

In October of 09, we were current on our mortgage and I called inquiring about the modification program. I was told that since we were current, we did not qualify. I did not want to damage our credit especially since we rely on it for our own business. I did not make a late payment until Feb 10. In February of 2010, we applied for a loan modification from Citimortgage. We had all of our documents in by March 11, 2009. This included our taxes for previous years, bank statements, 4506T for ourselves and for our business, and profit and loss statements from our business. I confirmed this with Brianna at Citimortgage. Our payment for the trial modification will be $1705.00 and due on the first. We have made every payment on time. She said that I should call back in 30 days. I called back 30 days later which is now April and was told that we needed to send in our W2s. We don't have W2s because we are self employed. I was instructed to send all of our bank statements, and profit and loss information for our business again for the previous month. I sent this information by fax to the Ca TEAM #3.

I called back in May of 09, and was told to send the previous months information again because there was not a decision again. I sent the information again. I called back to confirm they received it and they had. I asked what the status of our modification was and was told that they are waiting for our tax transcripts to come back from the IRS and to call back. In 10 30 days. I called back in June and was told that they are still waiting for the transcripts from the IRS. I made a phone every 10 days to check our status and on July 16th, I was informed that we were dropped from the modification program due to incomplete paperwork.

7/16/10 - called in to check status. Spoke with Ebony and she said, we were removed because of incomplete documents. The 4506T was not there. I said we faxed them back in March and confirmed receipt. She said that I should have received a notice in the mail regarding the denial. I also called every 10-15 days to follow up and all reps said our documents were complete.I was transferred to Latoya and she said there were no missing documents and we were removed in error. There was nothing wrong with the 4506T. She suggested that I re fax the 4506T with new dates because they may have expired. She opened case # for our review. This is the first I heard of this. I asked to speak with a manager, but was transferred back to the main line.

Called Ebony back to find out name of person who told her 4506T was incomplete. She gave me Floyd number in loss mitigation. Because we were dropped from the program, even if by mistake our full amount became due and our credit has suffered dramatically. Our credit lines have been reduced, and we rely on this for our small business. This has affected our livelihood daily. 7/15 Confirmed that the team received the 4506T with new dates. 7/26 spoke with Shawna, said that all the paper work looked good and I should call back next week.

8/2/10 made payment of 1705. Spoke with Shawn, said we were still in review. Should have answer by 8/15. 8/4/10 Rita called us. She is now our account manager. She asked for contract payment and stated that just because we are in review, it does not keep us from going into foreclosure. She said that our payments are not applied until they are complete, so the 1705 we pay only gets applied when we have the 3107.044 complete that is due. Does not have time frame for modification, no info on underwriter and no way to know when or if it will be approved.

8/18 Ebony is now our account manager, she called today asking for full payment. Ebony stated that we must make a regular payment to avoid foreclosure.

Our contract payment is no $3107.44, and we owe over 9000.00 in back mortgage at late fees. I asked Ebony about the status of our review and she said that everything looks good and it is still in review. I asked to have a copy of my file with citimortgage. She said she can't do that. I asked to be transferred to a manager and was hung up on. I called back and Richard answered Ebony's line and again asked to be transferred. I then spoke with Luree and was told the same thing have to make contract payment, don't know when your modification will be complete.

In ending, our family is suffering hardship because we cannot afford to make the contract payment, and the 9000 that has become due. In addition, I had an accident on 7/23/10 that has disabled me to work, until February of 2011. We have shown our commitment to honor our loan, but citimortgage dropped the ball by dropping us by mistake, and putting us in review. We own our own business, have a 10-month old child, have extensive medical bills, and are extremely saddened that citimortgage will not solve our loan issue. We are struggling to make ends meet and citimortgage is calling every day for us to make a payment to them, yet they cant tell us about our modification.

I feel that citimortgage is playing a game with us. We have been paying and they take the money, yet wont honor our request for modification. We are in a unique place because our income fluctuates every month., and I am now disabled until Feb of 11 as long as my rehabilitation goes smoothly. Please review this information and I thank you for your time. Best Regards.

I applied for the HAMP program on 8/2009 was told that we qualified and we started making reduced payments on 9/2009. We Had never been late on our mortgage and had excellent credit. Just like everyone else on this web site these clowns totally messed up our life. After 9 months of no loan approved, it has ruined our credit, and had threats of foreclosure. We sold everything we could and took emergency withdrawal of retirement money so these fools would not take our home. CitiMortgage is despicable! Somehow they are making good money foreclosing on good people. Maybe they own some credit default swaps on our properties? Anyway, this company is just criminal in behavior!

CitiMortgage calls several times a day during our grace period harassing us for payment on our mortgage and equity loan starting the day after the due date, but well within our 15 day grace period. I explained to them that our contracts state that we have a 15 day grace period and that payment is not late nor is a late fee due until that grace period has expired. They call my house several times a day starting at 8:10 am including Saturday and Sundays during our grace period. They continue calling looking for payment even after payment has been made.

We always make our payments during the grace period and never have been in default. I believe CitiMortgage should call only if my payment is late and past the grace period. Even when I give them the date that the payment was or will be made, the calls continue.

My husband and I had to file a Chapter 13 bankruptcy. We have owned our home for 14 years and decided it's time to refinance to lower our interest rate. We got court approval and everything was going fine. Then a lender pulled our credit, all was good except CitiMortgage was not reporting that we had a mortgage to any of the credit bureaus.

This made our score lower since our timely payments were not being reported. To make a long, frustrating story short, they lied to us and our attorney, saying they were in compliance with the law after we told them we had rights under Fair Credit Reporting Act.

It took them 3 months to respond to anyone's letters and then we just got a generic letter back that basically said nothing. The customer service in the Bankruptcy Department was horrible. They were very rude and acted as if we were not entitled to their help or a fair credit report.

We got a letter last week responding to our first letter 5 months ago, saying that they are legally obligated under FCRA to report our payments and they have added them to our credit reports. They have not. They also added a statement that they informed the credit reporting agencies that we are "In Dispute." We are not.

We make our payments and are not disputing anything regarding our payments. My attorney has the letter now. We are still trying to refinance and they are stopping it. I will never deal with CitiMortgage ever again and I advise others not to as well.

They are refusing to report our mortgage payment and purged our mortgage from credit reports. Because of this, we cannot get out credit score high enough to do a cash out refinance. If our payments were being reported, we would be able to.

My husband got laid off from work on February of 2009. Then, my position was "phased out" and I lost my job of 13 years in May of 2009. We had an adjustable rate mortgage with CitiFinancial after our loan was sold to them. I contacted CitiFinancial regarding the government program for a home modification as we met all the requirements. They sent us UPS envelope to return the information. We got everything (unemployment letter, bank statements, bills, all signed forms they requested) and copied and mailed them in the UPS envelope they provided.

We made the modified payments. In December, we received a letter informing us that we had indeed entered into the modification program but that they needed more information. I went ahead and copied the forms they stated they hadn't received and again returned them in the UPS envelope they sent us. We continued making payments via Western Union so that we would have records and they stated that it was the best way to send them their money. Okay, it cost a little more but we had documentation. After all, they were helping us out by lowering our payment to an affordable amount, right?

In February of 2010, we received another letter stating that they hadn't received the award letter from unemployment, nor the tax form, nor the bank statements, so we faxed the same forms that had been mailed in their UPS envelope to them. We continued making our payments, and never heard anything back. On May 26, 2010, we received another letter stating that they had not received this same information.

When I called them, they said that they hadn't received this information, so I copied all of the documents that were first sent, along with their letter, highlighting the documents that they keep saying they haven't gotten and UPS these to them again. The people I have spoken to have been rude and they keep on transferring us around and around. I even had Thelma tell me that she wasn't allowed to give me any information without a faxed letter of authorization, which, of course, has been verbally given dozens of times, along with another faxed letter stating that I am allowed to talk to them. I said, "Okay, put Troy on the phone."

She informed me to just send via mail the same documents that we have sent them over and over. What are they doing with people's bank statements, award letters and tax forms? These all have Social Security numbers on them, not to mention the bank statements. Where is this stuff going? I have repeatedly sent this documentation to them in their UPS envelopes, along with faxing it to their fax number and receiving confirmation that it was sent. On August 2010, we received a letter stating that we were recently in a trial modification program that failed to convert to a permanent loan modification. They wanted us to complete a short sale because they never received the documents.

This is just a scam in my opinion. Homeowners were given an opportunity to have a "bail out," so to speak, not billions and billions of dollars, but a way to actually pay the mortgage without losing their home. We didn't purchase a house over our budget. Our mortgage was sold again and again, and somewhere along the way, it was twisted into an adjustable rate mortgage. Then, we lost our jobs, and attempted the modification program, which is a government program. The mortgage company thinks that because months have gone by and people aren't paying attention, if they just say they haven't received your information, then they can say that you owe this past due amount or you lose the home.

I cannot even describe the treatment we have received over the phone. At CitiFinancial, they will not give out last names, they do not have extensions, so you can't speak to the same person twice. No one knows where all this information is at nor where it went. I am not sure who else to contact but I, for one, am not putting up with all these big corporations walking all over hard working Americans who are doing what they are supposed to do. The program is there, just because the mortgage company doesn't like doing it or doesn't want to do it because some CEO or president of the company can't pay for his trips to the island this year or whatever, you can't just treat people this way. I have had it. Someone needs to step in and put a stop to this behavior!

Nothing comes, so we called, then they said, it's not approved because they need more 'updated' paperwork. Told it was in the underwriters many times to call back and be told it wasn't.

Nothing makes sense with them. The numbers don't add up. They won't let us talk to anyone that is 'working' on our loan. We have to talk to a different person every time. They are extremely confused. They keep telling us to do what they say or they will drop us from the program. Yet every month we wait on them they tack on $4200 to the loan. I have friends that modify in 3 months, have taken vacations, and are building on their home! I hear they are with a bank that Obama has stakes in. I will find out what bank it is, because I know without a doubt it is not Citi. If they deny us, my children will lose the home they were born in because Citi let this go too far, too long, and we are in too deep.

Everything we busted our humps for 10 years may go down the drain due to Citi mortgage and their incompetence. Even if it goes through, they have taken so long to do it and we owe $70,000 more on our loan that the house isn't even worth the 'new increased' loan amount. To top everything off...they informed us that they won't even consider refinancing us unless we come up with the $70,000. Citbank has never once tried to help us through this whole process. And they may be the reason we end up losing our home we worked so hard for. How is Obama's plan working out? Citi Mortgage forgot the idea was to help people stay in their homes! We have done everything they asked. Over and over again. They are not being held accountable and we are at their mercy. Not a good combination for us. Citi Mortgage is stealing our home out from under us. And there is nothing we can do about it.

The problems started as we began the paper work for refinance at Citimortgage. We faxed all the paper work they asked for: Two recent consecutive pay stubs, two consecutive months of bank statement, two consecutive tax returns. We also sent a check for $860 which was our monthly payment.10 to 14 days later ,we received a call telling us they received all our paper work and everything was in order and it will be going to the processing and reviewed for refinance.

After a few weeks I did not hear any thing so I called to check on the process. (As you may know the phone calls are recorded) I was told the check for $860 was lost.They asked if I could cancel that check and do a check over the phone to keep the process going and I did so. Next thing, a few weeks went by and I called again. I was told it was still waiting to be reviewed. I waited a while before I called again. I was told I did not get approved because I stopped payment on a check.The nightmare began there.

In 2001, I was behind in my mortgage payments, because I was being blackballed by my local union. I could not get any work. I was threatened by Ms. ** who said she would see me homeless, instead of trying to work with me and my situation. She followed up on her threat in 2002. I lost my house to foreclosure. No effort was ever exercised to avoid this. I guess they already had a buyer.

I am speaking out on behalf of my mother in law. She receives Social Security benefits, so she is on a fixed income. A couple of years ago she fell victim to a bill consolidation scam and has since filed bankruptcy. Her home, which is mortgaged through Citi, was not included in the bankruptcy because she would have had to sale her home. Some how from the time of the "scam" until the present day, they have told her she was a payment behind. I know she does not let her bills go unpaid for any reason. Her records show she made payment, Citi's does not. She has tried o figure out the problem with no help from Citi. She has offered to send a little extra with her monthly payment to get the past due payment paid. Citi refused payment, saying they can only accept payment in full. Citi informed her also that she has money in escrow, explaining this is money saved when she over-paid her monthly payment.

She told them to use the escrow balance and she would send the remaining balance. Again, they refused payment. She pays her payment monthly with the late fees they say she owes. The payment due the 1st and not late until the 16th. She sends payment on the 4th every month. Citi calls daily. She has had her lawyer send a letter for harassment at no avail. Everyone she speaks to has no clue and can find no record of previous conversations. She has now received a letter via UPS stating Citi will foreclose on her home if payment is not received. If you expect money or need money, why would you refuse money? The bail out was like others say to help the people.

I believe it helped the people (investors) of Citi, never mind the people and their homes. How can they expect an elderly lady on a fixed income to double her monthly payment, which would take her whole check for a month? She has tried to make up for the "disappearing payment" for them, only to refuse then threaten to take her home. Citi needs a deep thorough investigation done on the entire company and employees. Imagine how much money they have swindled out of just the elderly with the threats of foreclosure? Fed up with the cons of Citi Mortgage.

Anything you would say about citimortgage aka citifinancial, I would believe if it is corrupt. They would not work with me on an adjustable rate that kept going up every 6 months. They raised my payments from $1000 to over $1800 with me begging them to let a buyer that wanted my house to assume my note. I had a 6 months pre payment penalty on my note that would have cost me about $9,000. They also sold my note (I can't remember if it was citifinancial to citimortgage or vice versa) anyway, when I refinanced a note one of them held, they claimed it as a "short sale" and damaged my credit.

After working 6 years on trying to get my credit report straight, they told me when the records changed, they lost my papers. They said about 6 months ago they had my papers for review, yet after all this time (and I believe it has been 7 years) they still were reporting to all 3 credit agencies I had a short sale. The bottom line is they have the power to do whatsoever they want to do with no accountability to anyone.Thank you for allowing me to vent.

I finalized loan modification with Citi in June 2010. I received a new monthly statement for July 2010 and paid my new mortgage payment. I did not receive an August statement, but sent a payment anyway, but to the wrong address, so it was never received or cashed and I have canceled the check. I called Citi and asked to pay by credit card since late payments start on August 16. I was told no credit cards, debit cards only.

I called again and got a person who took my check and routing number, applied my check payment over the phone and waived the fee. However, 3 people today at customer service have told me that the statements were suspended while the loan modification is processed. I was transferred to Marcu in Home Assistance Team, who advised that there is nothing on my account, delaying or canceling statements.

My fee to Citi was waived this time, but I had to pay $25 to cancel my check. More importantly, I believe Citi is still playing games with borrowers, they know we cannot refinance elsewhere because the equity in the home is gone until the market improves, therefore no other mortgage company will take our mortgage, so Citi is finding ways to charge us fees, have our payments not be received so that loans go into default and they can start assessing more fees and take our homes. I want a company that does not torture its customers every month.

I was laid off for 5 months, and now currently employed again with a 20 percent cut in pay. I have tried to refinance my mortgage with Citimortgage, but after the appraisal, discovered I was underwater on my mortgage (by 20K). My current interest rate is at 8.099% and I have struggled with making payments (I have remained current throughout the ordeal). I have asked for a loan modification and have not had any help from citimortgage. They keep offering different plans and then state that I don't qualify.

I know of 2 different individuals, one with Wells Fargo and another with Bank of America who were refinanced without appraisals at the lower interest rates. I can not understand why Citimortgage cannot find it in their best interest to help me out. It has become increasingly difficult making my mortgage payments and dealing with day to day expenses, groceries, gas, utilities, etc. I continue to worry about losing my home and damaging my credit.

January/February 2009, we inquired about refinancing our home with our mortgage company (Citi Mortgage) in. When we did not qualify, we were advised to contact the "Hardship Dept." via an on-line form on the company's website. We completed the form and waited to be contacted; some time later (March?) we received a call requesting information for a loan modification. At this point we were told we did not qualify because we had never missed a payment. After further discussion, the "agent" said that we would need to "not pay" our monthly fee for three months, at which point he would be able to begin the modification process.

March & April 2009, we did not pay our monthly payment (as instructed). Sometime during mid-April, we received a call from Citi Mortgage stating that they were going to start the process for modification. We asked if we should make our payment for May and was told not to pay anything until we were told to do so. Late May 2009, we were told to start making our payments. After payments were received for three (3) consecutive months without delay/shortage, the modification would then be submitted for approval.

June thru December 2009, we consistently made monthly payments for the duration of 2009, with no progress/status updates from Citi Mortgage. During this time (September/October), requested documents were also submitted to Citi Mortgage for the modification program. January 2010, we received a letter from Citi Mortgage dated January 8, 2010 stating that documentation was received, but additional paperwork was need to continue the review process. A list of the required documents was noted on the back of the letter. These documents were emailed to Citi Mortgage on January 13, 2010. Sometime in late January, we received a call requesting additional documents. We submitted these documents via fax to ** on February 2.

Late January/Early February 2010, we received Escrow Account Disclosure Statement indicating that our monthly payment had been reduced due to an overpayment in escrow. New payment would be effective March 1, 2010. Payments were adjusted accordingly. February 2010, we received a letter from Citi Mortgage date February 2, 2010 stating that the deadline for the return of required documentation had been extended to March 5. The two documents requested were originally emailed on January 13 with the others that were initially requested. When we contact Citi Mortgage to let them know but they could not find them. We then faxed them to fax number ** on March 1 at 9:05am.

March 2010, we were contacted by an individual with the Mortgage Outreach Services Dept (MOS). Her email of March 11 stated that our documents had been reviewed, "uploaded", and that everything looked great. She went on to say that the file was currently under review. On March 16, we received another email from her stating that additional documents were requested. After several phone conversations regarding the accuracy of one of the documents, everything was completed and emailed on March 24.

April 2010, we received an email from our contact with MOS on April 2 requesting a document that had emailed on March 24. After confirming she did, in fact, have this document she stated that we should give her thru the following Monday, April 5 to finalize. On or about this date, we learned that the program deadline had passed. As instructed, we contact their "Escalation Dept" for an extension. This was granted and we notified the MOS contact on Wednesday, April 7 that the file would be re-opened within 48 hours and to follow-up by Friday. A return email from the MOS contact stating that she would check on Monday (not Friday) to confirm the file was re-opened, at which time she would "make sure the review happens the same day." We waited several days for a reply and finally emailed this contact for an update on Wednesday, April 14. A reply was never sent and phone calls were not returned.

May 2010, we received a call from Jason ** with Citi Mortgage Loss Mitigations Dept. Stated he was assigned to the file and was inquiring why nothing had been done. I explained we were waiting to hear from our MOS contact, at which time he explained that she no longer worked there. He said that the deadline had expired, but also that everything seemed to be in order and would request the file be re-opened. We were then placed back on the Modification Plan on May 12, 2010.

July 2010, on or about July 23, we received a phone call that our house was in foreclosure. We tried to reach someone for clarification but were not able to until Monday, July 26. At this point, several discouraging conversations took place with the Modification Dept.; notes from each conversation are as follows: Monday, July 26, 2010. Spoke with Clarissa. Current status: File was closed April3/8/2010 - docs uploaded per Citi Mortgage Transferred to request file be re-opened; Spoke to Asia (homeowner's asst. team).

Per Asia, account notes stated: File was originally opened in May 26, 2009. Request to reopen (due to multiple submissions of documents requested by Citi Mortgage) and documents reviewed on 4/12/2010. Per notes, Jason confirmed all information requested by Citi Mortgage was found. All documents received and we were placed back on the Modification Plan 5/12/2010. Account does show delinquent; not sure why. No updates since May 2010. Amount currently shown as delinquent: $5,759.41. Account Supervisor (John) to call back by Thursday, July 26, 2010 with details on why the progress has been delayed (Note: This call was never received).

Tuesday, July 27, 2010 at 8:50pm I received "courtesy call" from CSR w/ Loss Mitigations Dept. re: satisfaction? Asked about follow-up call; CSR transferred me to a supervisor; on hold for 6 minutes and then call was disconnected. Saturday, July 31, 2010 Per Candy: $ 6,551.32 currently past. House placed in foreclosure July 11, 2010. Foreclosure sale set for August 30, 2010. (Roberta **) Manager is escalating the account with upper manager. Emailing point of contact/manager (with "Reset Dept. for HAMP program") on the account to escalate the process, finalize the modification, and contact the attorney to get us out of foreclosure. Expect follow-up call from "someone" by Wednesday, August 4, 2010 (Note: This call was never received). Once modification is finalized, foreclosure will be removed (not reversed) from credit report.

Wednesday, August 4, 2010 Per Mark: Citi Mortgage notes show on July 17, Todd L., "request manager to help move the file along." Robert ** sent email for assistance on July 31. Advised me to speak with a manager since no forward progress has been made. Per Treavor, Account Manager: Jason was with document review team; b/c all were received him re-set the file. Counselor the file assigned to was not working the files (not a valid counselor), so on 5/12/10 the files were closed. He will have the file sent to underwriting to be assigned; file will take a week to be assigned (by August 11). Once assigned, the underwriter will review the file and contact us in another week (by August 18). I said this was not acceptable and asked to speak with his supervisor, he said that he was the supervisor and that he was doing everything he could. I called back to file a complaint.

Per Avery (Home Owners Asst Team): Can't do anything except read the notes on the account. Shows file was sent to underwriting; all we can do is wait until it is assigned to a counselor. Transferred to Customer Service (866). Per Josue (Customer Service Supervisor-- pronounced "Ho-Sway"): Cannot assist with pushing the process thru; Asked to speak with upper, upper management; Josue connected me with Stephanie (account supervisor with Loss Mitigations Team).

Per Stephanie (with Josue on line): She sent another notice to escalate the process and said "that all we can do is wait". Her department cannot stop foreclosure. Josue interrupts to correct Stephanie to reconfirm our 3 missed payments in 2009 were due to instructions we had received from their department and that we should not be in foreclosure; Josue then asked who her Unit Manager was and for her SN# (**); Josue then asked to be connected to the Unit Manager, Patrick ** stated that regardless of what we were told, we were still responsible for the past due amount. At this point, Josue further explained to Stephanie that he has encountered other customers that have been told the same thing. He asked again to speak with her Unit Manager and provided her with his name (Josue **) and Supervisor ID number (**). No answer when transferred to Patrick **; Josue left detailed vmail and asked to be contacted directly or to contact me ASAP. Per Josue, he will contact me tomorrow (Thursday, August 05) to check if I have heard from Patrick and/or to let me know if/when he receives call/email from Patrick.

Thursday, August 5, 2010. Received call from Josue at 4:21pm. He asked if I had received a phone call from Patrick (which I had not). He stated that he had not heard from him either and placed me on hold while he tried to reach him again. Per Josue, he spoke with Patrick and he wanted to know if we were trying to qualify for a Conventional loan or HAMP. I explained (per my notes from Saturday, July 21) that this was thru the HAMP program. Josue placed me on hold while he tried to reach Patrick again. Spoke to Patrick; he can't do anything to speed up the process. File has been assigned to a counselor and is currently in processing. They will submit to underwriting for pre-approval/approval. Since they are aware of the sale date, they will try to process quickly. Advised to call Modification Dept. at ** (twice a week) to make sure everything is running smoothly.

Saturday, August 07, 2010. We contact Citi Mortgage to make this month's payment. Per Tracy (Home Owner's Assistance Team). Could not accept payment for this month b/c account is scheduled to be "booked" (?). If we made regular payment, it would be applied to the current balance instead of the new modified amount. Per account notes, underwriting approved the modification and account was scheduled to be "booked". On hold while Tracy contacted a supervisor.

After reviewing file with supervisor, the "approval" was actually for a pre-approval to have HAMP review file again. Per Tracy, Lupe ** (Manager) will send "up" today to Foreclosure Team for postponed of foreclosure. We do need to pay our monthly trial period payment amount of $1,769.11 ($1,100.10 - principle & interest plus $669.01 - escrow). When I explained that our current payment is $1,529.40 since March 1, 2010, she said that was not correct. I further explained that this amount was per Citi Mortgage via an Escrow Account Disclosure Statement dated January 8, 2010.

At this point, Tracy said that was not part of our records and she would need to get that department involved. I asked if the $243.25 difference was being applied towards our "past due balance" she said, "it may be." Per her discussion with Manager's Group: Regardless of the escrow amount we were still obligated to pay the trial period payment. Delinquency expenses of $213.00 also incurred.

Per Lupe (Supervisor): My situation is unfortunate, but it is a government program. Has seen this many times based on government changes to program--not the best program At this point: Our account indicated a credit of $778.41 in "unapplied funds"; unable to explain how. Account was currently being reviewed for this government program. Assigned to a department who will assign to a counselor (not assigned to a counselor as indicated by Patrick ** on August 5). To prevent foreclosure, we must go thru modification. Lupe submitted two (2) "urgent" emails to upper management stating that they needed to assign a counselor by Monday, August 9. She suggested that we go ahead and make our August payment for the correct trial period payment of $1,769.11. I explained that this amount was not in our budget as we had calculated the payment based on the amount indicated in the Escrow Statement of $1,529.40.

She said that we should have called when we received the Escrow Statement at which time we would have been instructed to disregard as it did not apply to accounts in modification. I stated that it is not our responsibility to call to verify information issued by their company and that we were relying on them to make sure we had the correct information re: our payments. She then suggested applying the credit amount we had on file ($778.41) to this month's payment and pay the difference of $990.70. This payment was made directly with her.

After she noted the account to explain the payment arrangement, she said that I needed to call back on Tuesday morning to find out if a counselor had been assigned to the account. She further explained that during the time this government program was implemented, it was very confusing and had changed a couple of times since the plan first started. She also said that "they" tried to enroll everyone (experiencing need for assistance) in this plan and had several similar situations to ours as a result of all the changes.

Tuesday, August 10, 2010. Per Ms. **: Asked to confirm if file had been assigned to counselor. Yes; counselor assigned to our file is Bonnie ** with Loss Mitigations. I asked for a contact number but was told she does not have a direct extension. Ms. ** then sent counselor an email requesting that I be contacted. At this time, I am currently waiting to hear from the counselor assigned to our file. As a result of Citi Mortgage repeatedly failing to follow through with their process, our account has now been reported as delinquent (which is technically, not accurate as we did as instructed by the lender).

Additionally, payments made from March - June of 2010 were noted on the account as "short" because we were paying the amount indicated on the escrow statement received earlier this year. As a result, Citi Mortgage has placed our home in foreclosure status and insisting we pay the "past due" amount in order to remove this status. This process has taken a ridiculously long period of time to reach any type of resolution. And now that we have done everything as instructed by Citi Mortgage, we are told that because this is a government program that was too confusing to understand, the consequences are unfortunate. That's it?

I fell a couple of months behind on my mortgage. I called them and they said no problem, we will send you a loan modification contract and everything will be okay. I completed the contract and sent it back. 3 days later, I received a foreclosure notice with a right to cure document. Now it's going to cost me several thousand dollars to file the right to cure with the county and get current with CitiMortgage. I would advise anyone thinking of doing business with CitiMortgage to find another mortgage company as Citi will lie to you and give you the runaround every chance they get. ** **!

On August 7, 2010, I called Citimorgage and inquired about funds being applied towards my mortgage. I was informed that I still owed $1166.00, and asked if I wanted to make a payment at that time. I then asked how much money was in their un-applied funds account. It was $900. I then asked why hadn't the funds been applied? I was told that Citimortgage doesn't apply partial payments. My mortgage payment is $638, and $900 is well over that amount.

I was then told that I would have to request that the money be applied, and that I would still owe $266. In the interest of bringing my account current, I then asked if I could pay the $266 immediately. I was told that I would have to wait until August 13, at which that time the funds should be applied towards my mortgage, and if I didn't make the payment by then, I would again be charged a late fee. What? Of course this made no sense at all. I was totally perplexed and frustrated to the point of saying just release the funds back to me and I'll make a total payment of $1166. This, of course wasn't going to happen. Why is it that I'm attempting to bring my account current and having so much trouble with Citimortgage in doing this?

I then made the mistake of asking if maybe some fees could be deducted from my payments. After several minutes, and several call transfers, I was told that the most that I would possibly receive, if anything would be $30. This amount of course would be after an account audit. This is ridiculous. I told the person never mind, and hung up. At approx. 9:30 a.m, on August 8, I received a call from Citimortgage stating that they were calling because my account was delinquent $1166. What! I was told that the amount in un-applied funds weren't recognized until they were 'moved over'. So, why weren't they?

"Dates may not be accurate I do have records of all at home can prove 30 days period." I received brochure from FNC offering to reduce mortgage by $XX to enroll in the biweekly program. On 02/03/2010, I called the phone number and asked for information. They mentioned yes we can save about $XX if we enroll on the plan what they do is they make the monthly payments for us. They charge a fee of $375 to enroll on the plan and they can enroll over the phone but enrollment would not be official until they received signed enrollment form. I requested the form and received 10 days later (no disclosure). We signed and returned I believe they received around the 02/19/10. This will be the official enrollment date. First withdraw was on 02/28 for half of my monthly mortgage payment and then another half (again not sure on date now but I have it on records) also noticed withdraw and they held money and waited for the rest and then they sent the payment (again this was not mentioned over the phone or form received no disclosure).

I called them back on 3/12, again 3/15 and 03/17 to go over on exactly how the plan works and they explained on 3/17 that they take two extra payments a year and these two payments go to the principal and that's why the savings and I told them to cancel the plan because this is something I can do on my own. I didn't know this is how the plan worked. The reps I spoke to before didn't clearly explain and I told her I can do it on my own without having to pay and the two reps assured me I was still under the 30 days period. I will not be liable for any charges they said cancellation form will be sent out to return signed and we did.

They are claiming $375 still owed. I sent letters explaining and they keep coming back with the charge. We were under the 30 days period. They claimed enrollment will not be official until signed form was received: acceptance form 02/19/10, cancellation form 03/15/10. This is clearly under the 30 days period. No charge besides the fact that information was not properly disclosed and being assured over the phone by two of their reps that we were still under the 30 days period. No charge will apply plus they record these conversations? The charge is unfair and I shouldn't be liable for this.

In February of 2009, I started the process of getting a loan modification because like most of us, I had a reduction in pay, and planning 6 months in advance, I knew I was not going to be able to keep up my mortgage payments. I started by filling out CitiMortgage's hardship affidavit and sending them all of the appropriate documentation. What started as a simple process has since become my worst nightmare. First Citibank kept losing my documentation, so I kept resending it. Then after months and months with no word from CitiMortgage, my financial situation deteriorated even further. Still, I continued to make my mortgage payments in full and on time.

This of course meant I was charging necessities on my credit cards driving me further in debt, but I did not want to neglect my responsibilities. Then in one of the many conversations I had with CitiMortgage's Loss Mitigation Department, I was convinced that I should sign up for a plan, where my mortgage payments would be lowered for a period of three months. Within this time, I was told that the reamortization would be completed. The problem was that if it was not, I would have to make balloon payments to make up for the reduction and then some. I did not want to do this because I knew that if it didn't happen within three months time frame, I would not be able to pay the ridiculous sum of the balloon payment in the end. I should mention that I have two mortgages with Citibank. When I applied for a mortgage for my house, I took a second mortgage to pay for the down payment on my house. Sound familiar?

I know I should not have enrolled in this 3-month program, but at the time, I was told by the CitiMortgage representative that it was the only way to get a reamortization, and if I didn't (which I refused twice already), then I would be at the bottom of the list and it simply would never happen. They told me this. At this time knowing making my next payment in full was going to be extremely difficult, I opted into the plan. Of course as I expected, three months came and went and I was still waiting. Now CitiMortgage was looking for the balloon payment which I didn't have. All this time I had continued to make payments every month 1 week early.

Next, I ran into some financial trouble and made 1 late payment on my first mortgage. The next month, I had some extra money and caught up on my 1st mortgage except for the balloon payment and paid everything on the second including that balloon payment, making me current. Then CitiMortgage made me reapply for the hardship affidavit, I think, for the 4th or 5th time and put me into another program with a reduced payment on my 1st mortgage only. These payments were to reflect what I would be looking at after the re-amortization. However, they would no longer look at my 2nd mortgage and I continued making the full payment on that account. This was at the end of the summer last year and again was supposed to last another 3 months and they assured me that legally, it could not last longer.

I was also told to make the payment early and by phone to ensure they were received on time. I was also told that they had to re-finance the 1st mortgage and only after could they even look at the second. For the last year and a half, my only goal has been to refinance my mortgage by merging the two. I am fine paying the first mortgage; it is the second that puts me over the top. Up to the current, after waiting and making my payments every month early and by phone (which they started charging me $20.00 per payment, so $40.00 each month) they bumped me out of the program on May 21st, 2010. I only found this out when I called to make my monthly payment and I couldn't. I should also mention that during this time, I've had about 10 "specialists" handling my account, none of which will return a phone call and believe me I called.

The last person whom I did get a hold of told me that they might be able to do a "normal" refinance, but I had to resubmit my paperwork for the sixth time. She also told me that I was bumped out of the program because I didn't qualify. Why do I all of a sudden not qualify when I was told that I did 10 months ago and my income has since reduced again? The calculations for disqualification she gave me were also incorrect, but she was adamant that they were.

I am at a loss. Currently, I get calls from CitiMortgage 3 times a week demanding payment. Then there are the companies CitiMortgage hires to drop off unmarked letters to call them regarding my account. I really feel like I have been swindled by CitiMortgage. If I had never been coerced into the payment reduction with the balloon payment, I would have been fine; I would have struggled, but I would have made it. Now, my credit is ruined (they have reported that I am outstanding at least 6 months, though I have never missed a payment) and I don't know when I will ever be able to pay the $7,000.00 balloon payment they say I owe, not to mention the reduction in payment over the past year does not come close to $7,000.00.

What do I do now? Walk away from my house? Stop paying? I feel like I'm dealing with a loan shark. CitiMortgage has me in a position where I have no choice but to pay them this exorbitant amount, which they know I can't or foreclose on my home. It is like they want me to be in a position where I have to stop paying them on purpose. I don't know how else to look at it. I thought they were helping me and instead they are ruining my financial life. My credit is ruined and I may lose my house.

Last year, I was laid off of work, I contacted CITI Mortgage to refinance my current loan to account for the decrease in our household income. English is my second language, and during this procedure I spoke with a CITI Mortgage representative who stated that I could save money monthly by removing the PMI. They informed me that I would need to pay around $10,000 to remove the PMI.

Per my conversation with this individual I cashed my retirement savings so I could pay over this amount and remove the PMI. Prior to sending the large payment in June 2010, I again contacted CITI Mortgage Representative Customer Service Call Center to confirm the amount of payment required to remove the PMI insurance, I was informed that if I provided payment in the amount of $12,400 my PMI would be removed. In June 2010 I sent in a payment in the amount of $20,000 to remove the PMI.

On June 17, 2010 CITI Mortgage sent a letter stating that they would not comply to the request because the loan was less than 2 years old. Next it indicates that this 2 year requirement could be waived with an appraisal. On June 28, 2010 I spoke with CitiMortgage about having the PMI insurance removed. Per my conversation with this manager I faxed the following document to the research department. It is my understanding that PMI is extra insurance that lenders require from homebuyers who obtain loans that are more than 80 percent of their new home's value. My loan balance is $63,034, in September 2009 CITI Mortgage sent a home appraisal report indicating my home was worth approx. $93,000. The 80 percent of the value of my last home appraisal is $74,400 currently my loan balance is less than 80 percent the value of my home. Therefore the PMI should be removed.

On July 23, 2010 I received a letter from CitiMortgage stating that our property value had declined from $93,000 to $90,000. It also states that should I believe that my property value increases at a future point I can again request the cancellation of my PMI.

All of this information has been provided to a relative who has assisted me in distinguishing the information. This last correspondence from CitiMortgage does not even mention the loan to value calculation. Based on an online calculator I find that my loan to value percentage is 69.83%. This calculation continues to be lower than the 80%. Supporting the fact that CitiMortage has provided incorrect information both orally and written. I still continue to be confused based on my understanding that, my loan balance is less than 80 percent the value of my home (per the appraisal done in Sept.09, and June 2010) Given that I owe less than 80% wouldn't this PMI insurance be removed?

CitiMortgage modification scam. I'm going to lose my house soon. Please help.

On December 12, 2009, I lost my job. I immediately contacted Citimortgage to inform them of the situation & discuss my options to protect my home. I was told that I had to be employed to qualify for any assistance. It didn't make sense to me, but I know that there are laws, regulations, etc. that I am not familiar with. This was frustrating to say the least, but I accepted it. I was able to stay current on my payments for several months, and finally got a new job in April 2010. I contacted Citimortgage and was told I need to send them certain documentation, which I did (this was to qualify for federal aid), which I was denied. I was told that I needed to send 6 weeks of pay stubs as well as 2009 tax return to be considered for Citimortgage's modification program. My new job only lasted 4 weeks, so I couldn't do that.

At this point, I was almost 3 months behind, and getting up to 6 phone calls a day from them. While I know this doesn't mean anything legally, I assured them that I am aware of my debt, plan to stay in my home till I die, and am doing the best I can. One very disturbing thing about these phone calls was the fact that they would ask me to verify personal information by asking me to give this information to them. Once when I refused to offer this information, I was asked if it was advice from my lawyer. I was under the impression that it was common knowledge not to give out any personal information to someone who calls you.

As I got closer to "caught up", I asked for the phone calls to stop. I was assured that they would stop. Well, they didn't. I told several more callers that it should be on record to not call me. They agreed, but the calls continued. At less than 2 months behind, I got the letter saying they would be taking photos of the outside & charging me for that. Today, July 30, I only owe what was due on July 15th. I am still getting phone calls! (3 today).

Being unemployed, with no assistance, I never got more than 3 months behind, & stayed in communication with Citimortgage. (I am again employed & am only 15 days late with the July payment. I will make whatever sacrifices I must to get the July payment made when I get paid). I am not understanding why the closer I get to "caught up" the more threatening they get. I understand that a mortgage is an obligation, and I have risked my retirement fund to meet that obligation.

Early in the mortgage, I received a past due letter & a more threatening letter in the same day when my payments were up to date. I have tried to re-finance, but cannot because of my financial situation. I would get away from Citimortgage in a heartbeat if I could! With all of the people out there playing games with their mortgages, foreclosures & such, I am really not understanding why the treatment I am getting from Citimortgage feels like harassment.

I am in fear of losing my home, even though I have made great progress since being unemployed. In the past, when I had a bad month & missed a payment, I was never treated like this! I have always (even when unemployed) paid additional principal. Constant fear might not be physical damage, but it is unnecessary damage to an honest homeowner!

My mortgage is paid 1 month in advance, as I am on SS and limited income. Because I was earlier than usual one time, they applied my payment to principal. I called and got that straightned out and was assured I would not be charged late fees. However, again, I am being charged late fees. What are they doing with my money?

I refuse to pay late fees when I pay early! What is going on with these people? Very few of them speak English one can understand, so I guess it is anyone's guess what is really said, though I always ask to speak to someone who speak English. I will be calling again today, and I have another notice. I have dealt with Citi company for many, many years, Credit card and Financial. I have had excellent credit with them over the years. Now CitiMortage has taken over my home, and I am in a nightmare!

September 2009, CitiMortgage sent me a letter offering me a year's free Accident Hospitalization insurance of $100,000.00. I endorsed the letter on September 21, 2009 which states after the year, they are to notify me with an option of increasing the policy to $500,000.00 for additional $9.95 per, even though there is no mention of $25.95 on this letter. On January 2010, CitiMortgage started taking out of my mortgage $25.95 for the insurance. I became aware of this problem in July 2010. Since the beginning of July 2010, I have been given all kinds of lies as to why they can't return my money. When I talked to the Insurance Dept, they did return $25.95 for July 2010 within 3-5 business days. She said that CitiMortgage would have to rebate the difference (six months x $25.95).

In April 2008, I submitted a Customer Hardship Assistance Package. On May 15, 2008, I spoke to Latoya with regard to a traditional loan modification. All info per Citimortgage was sent. Every few months, I was forwarding additional info to Citi. Each time I was told that I was ineligible for a certain mortgage, and was then told that I was eligible for a new one. This went on for over 6 months.

Fed up finally with their roller coaster, I decided to make additional monthly payments in an effort to catch up on my monthly mortgage payments. I also inquired about them lowering their late payment/fees, in an effort to assist me. I received no cooperation in this effort. I have been making my payments on time per the agreement. Since doing this, people have been calling, taking photos of my home, and leaving notes on the door. On 7/30/10, I found that Citimortgage has my additional funds in a 'special account', and have not applied them towards my payments.

I have gone online in an effort to check my account. It states that I still have a payment due 10/09, and last payment received 1/10. Of course this is untrue. I was informed that I have over $6300. In a special account, and I would have to call Citimortgage on 8/4/10 to inquire about an update to my account/funds. This amount is more than the amount that I was in arrears for. I asked about this affecting my credit, to which I received no response.

The reason that I fell behind initially was due to family illness as well as my own. I am still on medication. My situation has not changed. I feel that as a consumer I have rights. I entered into an agreement with Citimortgage, and have since been upholding my end of it. As a mortgage company, I feel that they are taking unfair advantage of consumers. They have not assisted me in any form, and have held my money in an account without applying funds to my detriment. I feel that their actions are illegal. I am stressed over this matter to which it seems no end.

I received documents from CitiMortgage shipped via FedEx. Enclosed was a paper with three loan options which stated that, "By refinancing to a lower interest rate, you'll be able to reduce your monthly payment or shorten your term to pay off your home sooner". CitiMortgage charged my credit card $505.50 for miscellaneous fees only to notify me weeks later that I need to supply an additional $30,000 down payment after an $8,569.30 closing cost fee. I was charged a $505.50 fee then I was told that if I wanted to continue with the refinancing, I needed to come up with an additional $30,000. I called to voice my concerns to Jerri ** because Joe ** (loan consultant) would not return my calls. Jerri's behavior was very rude and highly condescending. He raised his voice several times during our conversation. I was trying to get a simple break down on how my $505.50 was spent and why I wasn't entitled to a partial refund. He needs a course in customer service.

In May of 2009 my wife and I submitted for the HAM program with Citimortgage. This is the federally backed loan modification program. We submitted all documentation and were given an "approval" modification number along with an adjusted payment from $2709 at 6.75% down to $2,085 at 2% for 342 months. All outstanding loan balances would be moved to the end of the loan. All we need to do was make the minimum payment by the first of the month for three months to stay qualified. We did this.

Almost a year later in May 2010, we received a voice mail from Citi stating that all documentation had been received and for final approval and that a loan counselor would be in touch shortly. Soon after this in July 2010, we received a letter stating we were in loan default and that if we did not pay $24,000 in outstanding late payments that we would be foreclosed on. The outstanding balance was the difference in the adjusted amounts and some amounts late that were to be moved to the end of the loan.

We contacted Citi to find out what had happened. They stated that they requested "more" documentation needed and that we failed to comply even though we have a saved voice mail stating that they had received everything they needed. Because of our failure to comply, we were removed from the loan mod program (HAM) and now owe the total amount. I explained that we had declared Chapter 7, and that the house was upside down over $200,000. We did not want to move or foreclose and that we have been making the modified loan payments in good faith for almost a year. They said, "We are sorry but we could open a dispute if you wanted to." We did. They also stated that we were now being reviewed for a "traditional" loan modification, but that this could take 60 to 90 days. A counselor would call us.

In the meantime, I am to make a payment to clear up the arrears for $24,000. I advised them that this amount was already approved to be modified to the end of the loan, that due to the house being tied to a Chapter 7 and upside $200,000 and that I would be foolish to pay this if not modification were forthcoming. The rep informed me that even if the loan were "approved" for final modification, Citi reserves the right to call the note due at any time. I find this to be completely ridiculous. Here we are not wanting to walk away from an upside down property, doing everything we are asked for properly and they refuse to work for us. Ultimately this may cause us to walk away from the house, the mortgage and our friends. It is causing extreme undo hardship mentally, physically, and from a monetary perspective.

I was demoted in April of 2009 and entered into a forbearance agreement with Stacey in the CitiMortgage Loss Mitigation Department (ext 49025) in December of 2009. The agreement was for me to make a half payment ($565 by cashiers check) for January, February and March of 2010. CitiMortgage is telling me I now need to pay $4,439 or add $160 to my mortgage payment every month for the next 36 months because they can't find where I was ever in a forbearance agreement with them and are telling me that I am 3 months behind in my mortgage and am at risk for foreclosure. No one I talk to can find the forbearance agreement but won't even attempt to contact the Loss Mitigation Department to verify.

It has ruined my credit and is stretching my cash to the limit. I expect CitiMortgage to properly report that I was in a forbearance agreement with them and that I am not 3 months late on my mortgage but simply following the plan set out for me by them. I expect CitiMortgage to honor the forbearance agreement they put me into and properly report my mortgage as current and fix my credit.

This is the second complaint I filed with you. The first one got CitiMortgage to finally work with us. However, we were denied by their underwriters. I'm going to copy paste a complete history for you. However the final decision is that although we're both unemployed we do not qualify for the reduction because my husband Michael's unemployment statement shows he has benefits until Nov 2010 and he doesn't have enough salary to qualify. However we tried to explain to Eddi ** about the extension which my husband is entitled to and his underwriters will not reverse their decision. We have been denied a mortgage reduction for not a good reason and we'd like a thorough explanation in writing from CitiMortgage and they have yet to give us one. We have made numerous calls and cannot get through.

We applied for a deferment on our mortgage due to a hardship on June 22nd. We were told it was going through. We kept getting calls. So, on July 2nd, I called. After having someone investigate for close to an hour, I learned that our deferment was denied because we have a FHA mortgage and we should have been told that from the start. We arranged to make the payment ASAP. We were told that no negative reporting would be taking place until after the 15th if our payment wasn't made. We made the payment as promised.

I then learned we were reported to the credit bureau on the 7th, which was a breach of the contract. On the 22nd, I opened my front door to learn that someone was at my house and left a "door hanger" that was not attached to anything and could have blown down the street. The payment was made a week before and they had more than enough time to contact the correct department not to show up at my house. This does not include the certified letters and numerous phone calls. We are making 3 mortgage payments in 3 paychecks and that is causing a major hardship on our household. I have spent hours on the phone talking to way too many people. I have also never received a response from anyone in Citi Mortgage.

I was late 1 time (28 days) on a home loan, by mistake only. I have excellent payment history and credit history. I immediately made my payment when I was aware it was late. I received my July bill, which had already been paid through online banking, but not reflected on my statement. There even appeared a new "Delinquency Expenses fee" for $80+.

I asked to speak with a manager. He said there was nothing I could do because it was a 3rd party who charged this. I said, "But am I current?" and he said, "Yes, you have excellent payment history with us." I said, "So you can't waive this?" He said no and I have to challenge this by writing a letter to our research department. They might waive it.

Then I asked if this how these guys treat their better customers. He said nothing. I hung up and called back a few minutes later and spoke with someone who was very kind and put me on hold. Then came back online and said he sent the letter of "disagreement" asking the company to waive my fees for me. He gave me a confirmation number and it should be resolved in Sept.

I don't get it! They should be ashamed of themselves! I have terrible spinal problems and a panic disorder. This caused me undue stress and worry.

Back in 2005, I had purchased a home and financed through a small bank, with great customer service. Everyone there truly wanted to help you. Well, in mid 2006, a little over a year into my 30-year fixed rate loan, to my surprise, my loan was sold off to Citi. This would become a day I refer to as "Grim Reaper" day. My payment was a modest $706.00 per month. I only financed $80,000.00. Within four months of the Reaper taking over my loan, I was notified that my escrow was off by $1,700.00. My payment then went to $817.00, $877.00, $963.00 and then to $1,031.00.

I called them and was informed that my property taxes were re-calculated and they also needed another year of Homeowner's insurance. I then requested financial assistance, that was a joke. I applied in December 2009. Not one response back from the Reaper. I just received an account review and now, my payment has been reduced to $815.00. Are you kidding me? They are the worst mortgage company. They do not care, nor take the time to explain anything to you. It's their way or the highway. I actually thought of letting my house go, then filing bankruptcy. I love to see someone bring a class action suit against them. I know there's got to be a way do to it.

I have had a CitiMortgage since 1999 and until recently, never had a problem. I got behind a month on the payment due to many things. I was called by this company many times and I explained that there were reductions in income, however, I was still making the payments. After several months, I was actually able to talk to someone who (1) could speak English, and (2) was able to help me. Since then I have had to call at least 5 more times and every time I get a different story!

At the end of our home loan, (in the future the term our, we or I refers to the home buyers/payers, Arthur and or Robin **) a final pay-off amount inquiry at Noteworld (a local business that services third party loan note payments) led to the discovery that Citi-Mortgage (to be referred to as loan holders, Citi-Mortgage, and their representatives Leslie ** and Logan **, et al. in the future) would not sign off on the title lean as they had,"researched," the loan and found that there was a further payment due of approximately $4,500 dollars in a ,"balloon payment," due at the end of the loan.

When contacted over this, Logan ** (a representative of Citi-Mortgage), refused to deal with the note servicing company, Noteworld, claiming that he wouldn't deal with a third party entity. Kathy **, (a representative of Noteworld in the future referred to as Kathy), 928-718-5858. While Kathy, who had a copy of the note, claimed that the pay-off amount to be only approximately $800.00.

I traveled to the Mohave County Recorder's office and inquired as to the validity of Logan ** claim of a balloon payment, and the recorder's office said there was no balloon payment due or attached to the note. So, with this I revisited Kathy at Noteworld and inquired of her findings. This is when she related the amount due of approximately $800.00.

Again, I contacted Logan ** and Leslie ** informing them of the findings. Citi-Mortgage and their representatives named above refused to make available any and all documents showing amounts of monies legally due them and continued to claim the higher amount of $4,500.00 and were willing to provide a loan on that amount.

Papers were sent to Robin ** at her Phoenix address inferring that our credit would be ruined if the new balloon payments were not made. In effect holding the mortgage for ransom.

On or about Wednesday, July 14,2010, I filed a complaint of fraud with the Arizona Attorney General's office on line. As of this writing, I have not received any communication from that entity. This is the charges that we are inferring. That on or about Friday, July 9,2010 that Citi-Mortgage and or their above named representatives did illegally, fraudulently, and knowingly misrepresent the nature of the company's loan modification services by referring to them as forensic loan documentation audits or analyses.

I have been going through a mortgage modification for over 9 months. I have faxed and/or sent overnight packages at least 25 times. On 5/19/10, they assured me that the modification would be final in 3-5 business days. 10 days later, I receive a letter stating they needed additional documentation. I immediately faxed that documentation and called to follow up and never received a response.

I called customer service and they told me they had all they needed since February. I called a week later and they said the modification was denied due to missing documents but they were trying a different modification. I have never received any type of communication as to why the first one was denied. No one could me what documents are missing. I called again; they told me many people were accidentally being kicked off the HAM in error. The young man said that he will open a dispute on my behalf. I called again a week later, they don't have any additional information. What can I do? This is my primary residence and I am unemployed.

We are also trying to get a loan modification that has been in the works since March. My first payment was due April 1 along with the paperwork. I sent the check with the paperwork, I know it was there because I had to open the corner of the envelope up to tuck it in, I forgot it. I sealed it back up with packing tape and initialed it so they would know I was the one who opened it.

I called before April 1 to see if they had the paperwork and if they needed anything else and was told no they got everything. I talked to them one more time a day or two later, told me again they had everything. I called April 8 to find out why my check hadn't cleared and the woman I talked to told me they hold the checks until they receive all 3. I told her that my paperwork said that you cash them and hold the funds until you have all 3. I called a couple of days later to check on what is happening and was told they had everything. I moved the money so that it wouldn't accidentally get spent.

I sent my May payment in mid-April. On May 10, the check went through my bank and of course was sent back. I called immediately and was told that they don't hold the checks and they would send it through again, no problem. I asked them why my April check never went through and was told that I never sent them an April check. I told them I did and talked to a supervisor. I was told that they never got an April payment and that I was [out of luck], the rest didn't matter. I told him I was immediately sending a check to replace the April payment. He told me it didn't matter it was too late.

I called a few days later, still May, and talked to a female supervisor who told me that they had mistakenly put in the computer that my first payment was due March 1 instead of April 1 so they closed it but that it should never have been closed as she could see in the paperwork that I our payment wasn't due until April. I told her the whole story and she told me she was immediately re-opening the case and to make my 3rd payment by June 10 and then call her department and they would expedite it to underwriting.

I received a letter a couple of days later telling me that all they needed to receive to finish my modification was the 3rd payment and that they extended the due date to June 25, 2010. I called on June 1 to see if they found the check and was told no but they were still looking. That everything was fine and to call and make the payment on time and notify them. I called on June 8, to give them time to get the case re-opened. I made the payment and then called modification and told the person that I had made the payment. I was told that it would be expedited to underwriting as they had everything. They never found my lost check and I had to put a stop payment out on it.

During this time I was also called by the Documentation Fulfillment Department and we went over the paperwork. Over this time, I called several times each month checking on the status. I was told that they could see it was in the queue for underwriting. I made a payment for July, I was told it had never been re-opened. I talked to a supervisor and was told he would take care of it and it would be done by last Friday afternoon. I called after the given time and was told it was still closed. I talked to someone who, after checking, advised me that the supervisor I talked to was working with someone in another department to get it open and was told it would be done by Monday.

During all of this time, I kept getting demand letters and I was told by everyone, including supervisors to ignore them, they wouldn't stop until the modification was done. The due date was Monday. I called today, Tuesday, and talked to one person who said it was still closed so I requested a supervisor, preferably the one I had spoken to on Thursday. I got a guy who I think is the one I talked to in the beginning that told me after I found out they lost my first check. He told me then, it didn't matter if I made up the missing payment, it would not be re-opened, accusing me of lying about sending them a check and I had no proof so it was a done deal. He told me that before we started we were two months behind on our payments. I told him that I was told in the beginning I had to be two months behind before they could consider modifying my loan.

Today he told me the same thing. I had no proof I sent the checks and they were all late. They had the first one a week before April 1, the second one was sent a week or more before it was due, they put it through the 11th. I later talked to a supervisor who told me that they had the dates mixed up and it should never have been closed. I was told it was re-opened in mid June. I was told that they extended the due date for the last check to June 25, I also received a letter saying so.

The guy today told me they can't extend payments just paperwork. I read him the letter including the part saying that they only thing I needed to do was make the last payment by June 25, not any other paperwork. The paperwork is specified as the check. I was on the phone for 1 1/2 hours with this jerk. He finally told me he would email their supervisor I talked to on Thursday and tell him to call me ASAP. We will see if he calls. They have been lying to me every time I called. I have notes about each call with dates and times and for most the name of the person I spoke to.

I really do think that they tell you there would be no problem modifying the loan. They then string you along until you reach the date given for foreclosure, then take your home. My husband lost his job in May 2008. We went through his retirement, trying to stay above water. He worked a temp job at the Post Office Christmas 2008, then was again unemployed. He then received unemployment. We were granted $300 a month payments by proof of receiving unemployment, for 3 months then an extension for another 3 months.

My husband again worked for the Post Office for the Christmas, they then have moved him for temp job to temp job because they love him and don't want to lose him. He has worked at POs all over the metro area. He makes half of what he made before losing his job in 2008 and I am on disability. We don't have the money to make the $13,000 worth of payments we are now behind and we qualified for the modification and did our part. If this isn't straitened out we will lose our home.

I live in Washington which has laws about these things so I will be contacting them tomorrow. I also live in a large metro area and there are 2 TV stations that investigate companies when they screw people over. The companies almost always get it fixed once contacted. The battle continues!

CitiMortgage is not participating in the Hardest Hit program in Michigan. They are the 4th largest mortgage holder in Michigan and it seems rather odd that they are not participating. I understand that it is a voluntary program, but with hard economic times and people all over the country losing their homes, this is appalling. We have had problems with Citimortgage such as not applying funds properly, not refunding escrow overages, and spending over a year trying to get a loan modification, only to be denied and told that paperwork was not submitted or were denied because we did not send in a bank statement with enough pages.

We have fallen behind on our mortgage. If not for being in the military and protected by the Soldier and Sailors Act, we would be out of our home. We cannot refinance because we are behind. Citi doesn't participate in the Hardest Hit Fund Program so we feel trapped!

On 07/21/2001, we got a fixed rate loan from Irving Mortgage to purchase a single family home. As our down payment was 5%, there was $93.50 PMI added to monthly payments of interest, principal and escrow. For 9 years, we kept giving additional principal amounts so we can pay off to 78% and get PMI dropped automatically, without having to pay for the appraisal fee. Our original amortization schedule shows that we should be at 77.91% on 12/01/2013, but because of the additional principal, we gave our loan reached 77.91% LTV on 06/23/2010. On 06/24/2010, we sent the letter (copy attached) to CitiMortgage (currently servicing the loan) asking to automatically terminate PMI. We received a written reply (copy attached), stating that PMI must be automatically deleted on the date the loan was first scheduled to reach 78%, based on the original amortization schedule and is irrespective of outstanding principal balance.

In other words, the date is more important than LTV % and it will be paying 3.5 years of PMI, even though LTV is below 78%. We were offered to order CitiMortgage appraisal for $385 (double prize of an ordinary appraisal value). After reading all the complaints posted on various internet sites about CitiMortgage appraisals, that come in with a diminished property values, we really don't feel comfortable paying for this service. The Homeowners Protection Act of 1998 Public Law Number 105-216 states that:

3. Inform the borrower when the loan has reached the cancellation date based on actual payments. If a borrower accelerates repayment of the loan, then you must notify the borrower when the loan reaches the cancellation date. This rule applies equally to fixed and adjustable rate mortgages.

It has no provisions in automatic termination section that protects the lender against the declines in property value and to our understanding, it means no appraisal is required. How can a bank read the same document and have their interpretation? The Homeowners Protection Act is supposed to protect the consumers, but it is working against them!

When my husband was in a nursing home, we had to pay part of the payment. My school was closed & I got unemployed. CitiMortgage advertised that they can help in those circumstances so I applied for a loan modification. Even before I started paying the nursing home (I was paying mortgage, not the nursing home) right from the start in September, I was given 1 excuse or another.

Eventually, I got a 2% ($1295.18) which afforded me to pay all my bills. I called for an ypdate in May, and was surprised that I was offered up for a Gov. modification, but all along I was lead to think it was theirs which I agreed to. Well, I had no choice & they said I would get their traditional program. After paying for 8 months on time (I have proof), when I called on 6/28/10, I learned that I was pulled off the trial program due to a negative in my student loans (I'm doing a PhD at Walden University on-line, loans not due for payment until I graduate in 2011). Needless to say, I cried at them not telling me and threatening that if I don't pay the full payment legal action will be taken against me.

Several times daily, CitiMortgage calls my home. I'm so stressed out, I can't sleep well and even my hair starts breaking. One supervisor said to reapply and they will work with FannieMawe to get me a traditional modification. I'm so confused, I wish my husband had not died & was here to help me. How can mortgage companies treat home owners who are trying so hard to work things out so humiliating? This is my home of 22 years & I don't want to lose it.

Unfortunately, I'm at my wits end and need help with Citimortgage. There are many issues I have and have been through with them, but right now this is the most pressing. In prior years I've always either paid my county taxes in full, or via a payment plan. I generally get the bill in September, and if I pay in full I do so by January (grace period) or contact them and get a payment plan set up in October that starts payments (Generally 10%) until October. For years this went fine. In 2009, however, just 1 payment shy of paying off my 2009 taxes directly to the county, Citimortgage stepped in and paid it. After getting nowhere with Citimortgage, I ended up paying the county the final payment so they could refund my money.

During that time, I told them and faxed them the letter that I had already had a payment plan in place for 2010. To make sure, I also contacted them a month later and restated I had a payment plan in effect. However, in December 2009, they paid my county taxes. I've attempted numerous times to get this resolved. I've called numerous times. Generally these calls tell me everything will be taken care of, not to worry, these things happen, and to fax/mail/do nothing. They promise a letter will get to me by a certain date stating things are resolved. I follow what they ask me to do. Probably 50% or less of the time I receive the letter they stated I'd get. When I call back, most of the time they have no record of any promises made.

I've faxed things numerous times. Most of the time they don't acknowledge that they got it, even if I send multiple times on multiple days. I've been told to fax one number, and then when I call back I get told that was the non-escrow number, and now that I'm escrow I need to fax there. I do, call back, and get told that even though I'm escrowed, I shouldn't be, so fax the first number. That doesn't help. I've sent letters. I get no answer. I sent RESPA letters. I get no answer. I sent 5 different letters a day for 3 days from multiple mailboxes. I get no answer. I've sent emails. I get information back that either gets contradicted by a letter or a phone call later on.

What I wanted to get out of all this was that since they violated a legal contract I had with the county, that they would honor it too. I would pay ~$500 a month to them until my taxes were paid, and there would be no ongoing escrow. I even would back pay the $500 monthly I was saving not paying the county. My monthly bills showed that they still wanted to have me pay around $900 a month which I couldn't afford, and that the escrow would stop when completely paid (around $4500). Monthly, I've had to call, and work it out with them to pay the principal and interest of the loan while waiting for a determination from them about escrow. After a while (last month) it got down to the point that if I paid them the $900 a month they wanted, it would end up finishing my payments to them the same time I expected paying to the county. I paid what they wanted. And for at least this incident, it should have at least been done.

But it isn't. This month I received an escrow statement where they are now planning on paying my 2011 county taxes and keeping an escrow, which would increase my amount by almost $1000 a month now. I can't do it anymore. I can't find a way that works in dealing with them. This is also not the only escrow issue I've had with them. They've previously kept escrow and took over 6 months to read a letter they acknowledge having before making a determination I never have to have flood insurance. That wouldn't be so bad, but the next year they started escrow again for it and it took a while for them to check their own records that they made the determination. I've sent letters already this year since it comes up in October, and those letters haven't been answered since I sent them over 3 months ago. I need help and I don't know where to turn anymore. I've tried everything in talking and dealing with them that I can think of. Anything you can do is appreciated.

I filed bankruptcy but I wanted to keep my home. Citi Mortgage agreed to a Reaffirmation Agreement at the time of my filing. I signed off on the Reaffirmation Agreement to keep my home at lower payments. I have done all on my end of the agreement to abide by this Agreement. I have since started getting harassing collection calls from Citimortgage and they keep sending me "New Payment Coupons" in the mail at double the amount that was agreed upon. This was a signed Agreement that was included in my bankruptcy and it was signed off by a judge as well. As they keep harassing me, I keep reminding them to look in their computer system under "FileNet" and see that I have a signed contract with them.

When you talk with Citimortgage, all you can speak with is another customer service rep. that doesn't know what they are talking about. When you ask to speak to a manager, they either tell you that no one is available or you "Somehow" get disconnected.

Please Citimortage, read the signed agreement that your company has in your computer system under your program "FileNet" and stop harassing me. Please update your records to reflect this signed document. It was signed by your rep, a judge and myself. Thank you.

I am writing in reference to my experience with CitiMortgage Loan Modification. In August 2009 I participated in a NAACA Home Save. After several months of contacting CitiMortgage, I have been told over and over that my loan is being processed, that it is in its final stage, and that it has been re-assigned, etc. In January 2010, I received a call from Karen ** stating that my loan was approved and asked if I received a notice from NAAC. I told her that I did not receive anything from NAACA. She told me that I was put on a partial payment plan for 6 months.

I asked her what would happen at the end of the 6 months and I was told that I would receive a notice of what my payments would be from the remainder of the loan. I asked if it would affect my credit and she stated no. When I received the paperwork from Ms. **, which I was given a time frame to sign and return, it stated that I was behind in my payment by about $200 and that it was a forbearance payment. I signed the paperwork, but wrote on it that I was not behind in payment. I made all 6 payments on time, the payments had to be mailed in and in the form of a money order.

About the 2nd week in June, I had not heard anything from CitiMortgage so I decided to call. I spoke with a Kay, who informed me that my loan was not approved for the government loan, that it had been reassigned to another worker to determine if I qualified for an in-house loan. She went on to say that Ms. ** provided me incorrect information. I was also told that my loan was behind by over $1000.00 and of course I was livid. I was informed that my payment for July was the previous $683.00 which is the amount of the first loan. I am now receiving automated phone calls from CitiMortgage stating that I am behind in my payments. I am so angry with this entire situation, I have never missed a payment since I had this loan.

If there is anything that you can do to help with this situation, I would truly appreciate it. This has been and continues to be a nightmare. One, I have an adjustable interest rate loan which is scheduled to change. I work for foster care and we are going into our 3rd year of a furlough and not getting a raise. This is a financial burden.

This is the nightmare that my wife and I went through that has hopefully (still waiting for final paperwork as of 6/30/10) come to an end. It's been abridged for the sake of this complaint, but we have full details of the majority of calls, communications, and letters to support our story.

During the summer of last year, my wife and I had exhausted our savings trying to keep up with our bills. We cut out extras, went with a cheaper cell phone plan (we have no land line), and tried to cut every non-essential expense we could. I had to take a lower paying job after being laid off and we decided that my wife working just to pay daycare for our daughter was counter-productive so she quit her job to stay at home.

In October 2009, I noticed that we were going to be in trouble with paying our bills and more importantly our two mortgages. We took out the second mortgage to satisfy the fees associated with adopting our daughter. We decided to call CitiMortgage [Citi] to see what help we could get with our mortgages or at least one of them. After burning through most of our savings up to that point, I knew that in a few months we would have problems paying our bills, which brings me back to the phone call.

The first option given to us by the call center rep was to intentionally "miss" a payment to help season the mortgage for a quicker response and approval. I really didn't know what to say to that, it was a ridiculous request and I wish I had taken better notes from the start of the process rather than starting in December. We were offered a forbearance agreement, which in simple terms is a payment of up to 50% of the original payment for 6 months and then a balloon payment at the end of the 6 months to bring our mortgage current. We initially decided that would work as I had been looking for a new job at that point. Citi collected a first "half" payment on the phone and then sent us paperwork describing the agreement.

After examining the paperwork more closely, we both realized that we would never be able to pay a balloon payment by April to bring us current and April's regular mortgage payment. We didn't sign the paperwork and called Citi back to tell them we needed another option because the forbearance was only a short-term solution. They put us into the Government Home Affordable Modification Program [HAMP] and that seemed like something that would work. We agreed to join the program and Citi sent out paperwork which we received mid-November and we sent back all the statements, tax returns, program forms, etc. We have confirmation they received it December 2nd.

Two weeks pass before we decide to call them to get a status (it is supposed to be a 60-90 day process) and were told to our disbelief that the information we sent UPS next day was received by the Loss Mitigation department (modifications are run through them) only two days prior. We had rushed to get the paperwork back to them as quickly as possible. However, it seems to both of us that they were taking their time doing their part of the process. We were told to call back in a week to determine if additional items were needed. My wife and I were both starting to get a sinking feeling that we had made the wrong decision to be proactive and reach out for help before we were in a situation where we truly couldn't pay our mortgage on time. At this point, we had made November's payment early as well as December's payment early several days before the 1st of the month.

Christmas came and went and we called Citi again to find out the current status. We were told beginning of January that they required additional checking account statements and another copy of our tax returns as they claim they had not received it. My wife and I kept copies of everything we sent in the first package and sure enough, both 2007 and 2008 tax returns were sent to them. We were starting to get the idea that Citi was dragging their feet and making this process a lot longer than it had to be. Add to that, we got different answers to the same questions each time we called made it feel like we were going around in circles. I again made my January payment several days early, sent them the requested paperwork, and again waited the 10 business days they requested for us to wait.

February's payment was sent, another round of phone calls, and again the same answer that "we were still in the review process. " March's payment was sent and again the same round of phone calls and "still under review" answers. We were both getting really frustrated at the whole process that was supposed to take 60-90 days. It was now 5 months into the process and we were no farther along than we were in October when this ** process began. Citi apparently at that time had not even begun to make our lives hell.

We were contacted by the Citi Collections Department shortly after April 2nd (again I made the modified payment several days in advance) indicating that we were now delinquent on our mortgage and that we needed to pay immediately to bring our mortgage current in order to avoid foreclosure proceedings and sheriff's sale. We were dumbfounded! I immediately called Citi to find out what the heck was going on and they informed me that we were denied for the HAMP program. They indicated that I should have received a letter explaining the reason for denial, which I never received. They did not give details over the phone as to the reason for denial as they "couldn't see them in their screens. " I was asked to call back in a few days if I didn't receive a letter.

The collections department was getting more aggressive with their phone calls now calling my wife's and my cell phones several times per day. When I received three phone calls at work within two hours, I lost it and immediately demanded they remove my work number or I would contact a lawyer and bring charges of harassment against Citi. They called my wife the same day and she had a disturbing phone call with a man that questioned our ability to manage our finances, made accusations that we were incompetent, told us we should just sell the house and start renting adding that we would have trouble doing that too, and the most infuriating statement that our credit scores were in the low 400's because of our inability to manage our finances properly. My wife called me crying to tell me what happened.

I called them as soon as I got home that night to complain about the collections agent and to indicate that I still didn't receive a letter of denial. They were surprisingly now able to see the reason for denial. I made too much money!! The HAMP uses your gross earnings to determine eligibility and if your mortgage payment was lower than 31% of your monthly income, it meant you were ineligible. I did the calculations with the checking statements I sent them and determined that our gross earnings were 30.5% of our gross monthly income. None of these calculations took into account that we had a second mortgage with Citi. I couldn't believe it and became furious at this whole process. I waited for the letter as the collections calls continued. My wife had stopped answering her phone for any number that wasn't in her contact list.

A few days after getting fed up with the harassing phone calls from the collections department, we called again and lost it with the person that answered. She indicated that following a denial of the HAMP, we were automatically enrolled in the traditional modification program and the information the collections department was using should be updated. She took that upon herself and the calls stopped. We received another letter that indicated they needed more checking statements and we sent them without question as they were progressively getting worse as I had suspected almost 6 months ago. I made May's modified payment a few days early as I had been doing all along.

My wife and I took turns calling every week during the month of May to get status and received the general "still under review" statement. Both of us were now wanting this whole process to be over with as the longer into the process we were receiving late fees, delinquency fees, and other mystery fees (more on that below). We both knew if we were denied, all those fees would have to be paid as well. I made June's payment. My wife called on June 9th demanding to speak to the case worker or underwriter reviewing our case and learned that we had been denied for the traditional modification because of the shortage of income to monthly bills. Now I made too little! This was my *** moment and I threw my arms up and stopped all communication with Citi. We received our letter indicating the denial reasons and a breakdown of fees and payments required to bring our mortgage current.

My wife took a 2nd loan out on her insurance policy (first one was to pay mortgage a year ago) to pay the shortage we needed to pay. I placed the call on June 21st to make the payment. The total they gave me was more than $1,000 higher than the total given to my wife not 1 week ago and I questioned the total. More than $200 of it were fees related to people driving, yes driving, past my house to make sure it was still occupied and we didn't have it up for sale. The woman put me on hold and came back to tell me that we're now approved for our modification. I was advised not to make payment until July 1st as the paperwork was being drawn up and would be sent overnight to us when completed. I was given the new interest rate, payments, etc., so I figured it was finally over.

I called again on the 25th, confirmed the same information of approval, and asked when I would receive the paperwork. I was told it could take 7-10 business days. I called again on the 28th, and again confirmed the same information of approval and was told that the paperwork had not been sent yet, 7-10 business days. We received foreclosure paperwork on the 28th and my wife picked up the official notice at the post office on the 29th that had been sent certified mail. Realizing this was getting completely out of hand now, I called Citi immediately and I was then told that we were originally denied traditional modification on 6/9 and my wife had talked to Kate, all true so far. I knew this, was prepared to make a payment to bring us current on the 21st, and proceeded to tell the woman all this information.

She got her supervisor involved (allegedly) and flagged our account to notify her of any notes being added. She told me she would call as soon as she had a definite answer. I got home from work and didn't want to continue waiting for a phone call I knew wasn't coming so called again. The woman again confirmed that notes had been added earlier today that confirmed that we in fact had been approved. They have until July 5th (10th business day) to send the paperwork to us overnight. Meanwhile, I have to call in the new payment on July 1st and convince the person on the phone that its our new payment based on the approved modification. Should be fun.

I am sending this to you because I feel it should be known that CitiMortgage is doing this on purpose. The Internet is littered with similar stories from all over the country where the only difference is the amount of the payments and money owed at the end of the denial. I plan on contacting local politicians, PA BBB, and anyone else that I can find that will pass this on to let everyone I know what has happened to my wife and I so that no one else should have to deal with this on their own. The more situations like this are known, Citi loses their ability to keep doing this to people that just need some help to get through a rough patch for whatever reason. My motive here is simple, sharing of knowledge. If you want to obtain more details, feel free to contact me at my cell phone number below. All we wanted was to stay in our home and if they are giving us the runaround again I fear that there won't be enough time to bring our mortgage current and/or go through the Act 91 paperwork and meet with a credit counselor.

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. We are on a fixed income due to a disablility and struggling with finances. We wanted a modification on our home to make it comfortable to make payments each month. We went further in a bind only to get a modification that reduced our mortgage payment by $30.00. This entire process took nearly 1 year to complete. It has been emotionally stressful as well as financially.

I was seeking a loan modification with this company. I had never been late with my mortgage but i needed a little help as i was having some issues with my health. I was told by an employee with this company that i would be able to qualify for a reduced mortgage and i would only have to pay 593.00 as opposed to the $1550 i normally would pay. After several months of making the reduced payments, I was told that my modification had not been accepted and that i would be responsible for over $6000 in arrear payments. My house is now in foreclosure and I am seeking help on how to deal with the possibility of losing a home I have lived in for over 26 years. Could someone please contact me at your earliest convenience. Home foreclosure Damaged credit after years of restoring credit

We're trying to refinance. Completed all documents, faxed... 'not clear enough', refaxed darker and larger, still not clear enough. Now scanned and sent, and we've been asking for status and an estimate of how long this will take. NO reponses. This last e-mail 'out of office'. I've also called and left a voice message.

We missed one payment, 11/09, when my husband was laid off, after having our income reduced by 30% since 2005 when my $53K a year job was eliminated and I finally found work, now making $14 an hour. After working with Citi for 4 months we were advised by the Loss mitigation dept that we made $400 too much and our payments would not be reduced, we were sent loss mitigation papers to notorize and return and Citi asked for $1209.66 for escrow, in a cashiers check, there would not be a june 2010 payment, 1st new payment due july 1, 2010. We then recevied a letter from Citi asking for $1266 for escrow. We were assured by melissa on 6/25/10 and by Ivan on 6/26/10 that our escrow check had been miss applied, either to june payment or to principal and to call back and make sure the funds were transfered to the mortgage, today, 6/28.10 and then we would know the exact payment to send for july payment. now I'm told the cashiers check cannot be applied to escrow and I have to send escrow again. Citi mortgage lies and collects money from people who have no choice but to pay whatever it takes because we have lost 100K in equity and therefore no one else will take the loan.

First of all is it even possible to speak with an American when you call an American company. I am so tired of calling companies in the United States and speaking to someone that I cannot understand. I TRIED to speak with two people with CitiMortgage, both from another country, whom I could not understand, were VERY rude and unwilling to help. It is impossible to call back and complain to CitiMortgage because all you get is another person from somewhere other than the United States...and the people wonder why there are no jobs here! Oh, I am so mad!

closed escrow on a refi with one lender and the loan was sold to citi mortgage. Prior to the loan moving over to citi mortgage i tried to cancel my escrow account with them and was told i could not because the loan was about to be sold. The next month i called citi mortgage to cancel the escrow account and was sent a letter stating that they refuse to cancel the account until i have had a payment history with them for 12 months .... in addition i have to meet the following requirements at the end of the 12 months, some of which are out of my control like the LTV.

1. 12 months of payment with no late fees 2. LTV ratio of 90% or less 3. escrow acct has a positive or zero balance 4. no real estate taxes due within 30 days of request 5. they recieve a signed escrow waiver. I agreed to an escrow account with the original lender because i knew i could cancel it. Citi mortgage now refuses to cancel it and im basically screwed.

Its a down market. In 12 month there is no telling what my LTV ratio is going to be and if i will meet the 90%. Im so frustrated and there is nothing i can do. How do they get away with keeping my money like this. In addition they required i pay the homeowners insurance (over $800) 1 year in advance (even though it was already paid in full for a few more months). So now they are collecting escrow funds for taxes and yet another year of insurance.

The process in trying to get my home loan modified hasnt been handled time efficiently with saving my home from foreclosure.

It is very common these days for homeowners to find themselves in an upside down situation in regards to their homes. We live in the state of Florida where the housing market has been on a continuous roller coaster downhill. 4 years ago my husband and I purchased our first home (a town home). We saw that the housing market was climbing up and up. Being first time buyers, we were afraid that if we didn't get in then, we wouldn't be able to afford a home at all. So we OVERPAID for our home. 2 years ago when the market went down, we saw a good opportunity to buy our second home. We purchased our second home for more room and more privacy because we were a growing family. We figured we would be able to sell our home and walk away even, not in the hole. Foreclosure after foreclosure and short sales in the town home community, the property value of our home dropped 75%.

We currently rent the home out for only the interest of our mortgage. We have an arm on the loan, it is considered an investment property (which is quite comical) so no bank is willing to help us and we can not refinance b/c it is not worth enough of the loan out on it. Citimortgage has been making 6.5% interest on our loan for the past 4 years. We have never missed a payment and we would like to do "right" by the community and keep the home in good standing. We loose money every month on the property now and when the principal of the mortgage kicks in, we will not be able to afford the home. This brings me to our problem. All we need Citi to do is lower the interest rate and lock that in for 30 years. With the economy being the way it is, my husband and I can not risk taking a hit on our credit by not paying the mortgage or short selling it. If he were to lose his job and have to get another one, they look at credit and they could decide not to hire him b/c of our financial decisions.

I am so frustrated with Citi b/c they want us to be in trouble with our mortgage before they help us. They would rather us short sale on the property then to help good customers. I do not understand this. With a resolution that seems so easy to fix, why are they not willing? I really need some one who can help, I have called every mortgage company I know and have called all the "help" agencies that Obama put into force for this type of thing, but I get the same answer all the time - you are making payments on time and can afford the payments. Why would anyone help you? Well our problem will come when our arm expires and principal kicks in, then we will not be able to afford it. That doesn't take a genius to see. So again, what is the big problem of simply adjusting my interest rate? Citimortgage is unwilling to help their customers and they are eating a huge profit right now. Please do not ever use this company to finance your home. They are bad news.

We have been in a partial forebearance 3/1/10 - 8/1/10 with Citi mortgage company due to unemployment. Our contact was a person in Loss Mitigation Dept. Our house has been listed for sale for months, we tried to sell it by owner last year, we listed it last year, no one brought us a contract. Finally, we decided to take it off the market June 11, 2010 to see if we could rent it out to be able to make our house payment and prevent foreclosure.

We called this specialist about our Loan. Our unemployment was not going to be extended and we wanted to know our options and what we could do. He said the only thing he would consider was us continuing to make the agreed upon forebearance through 8/1/10. Other than that, he said we should look into liquidating the property by short sale,etc. To do so, we would have to bring Citi-Mortgage a contract, along with a short sale realty expert and they would go from there. We proceeded to tell him we might receive a contract in our hands for around 15,000.00 less than the mortgage we owed and would he consider accepting that contract without going into a short sale. He said no the company would not do that and we would have to short sale the home.

Basically, we are forced into a short sale where both our first and second would drastically be reduced by a sales shortfall. Our credit score is going to be dramatically reduced (Not allowing us to buy a home for several years).

When we actually received the contract on for $15,000. less than our balance, we spoke to an advisor in the short sale department at CitiMortgage why this company would not accept the only contract we ever got on our home losing $15,000.00 (and not going through the short-sale process), versus CitiMortgage and us losing possibly a few hundred thousand by going through months and months of shortsale procedures. I was told by her to call their Negotiating Team on 6/18/10, if I had any questions. We called the number given and it only rang and rang with no pick-up.

We could not accept the contract as is because of the short fall and $30,000.00 commission, and now we are forced into a short sale or foreclosure because CitiMortgage would not make any effort on their part to help us negotiate an acceptance by them.

We have 440.00/mth income from my wifes s.s.disability and no savings left and are at the mercy of Citi Mortgage and our 2nd at the credit union. We are reporting that Citi Mortgage interferred with the sale of our home, by demanding we short sale the home which will cost all parties involved.

We were told we did not qualify for our loan THE DAY WE WERE TO CLOSE ESCROW! After five weeks of going through the loan process with CitiMortgage, my husband and I were completely screwed by CitiMortgage. On the day we were supposed to close escrow on June 18, in the late-afternoon, on a Friday, we were informed that we did not qualify for the loan. We had already been approved for the loan by our loan processor. She had all of our paperwork prior to our ever starting escrow or seeing the condo for that matter. And this was a straight conventional loan, not a short sale or a foreclosure.

Throughout the entire 45-day escrow, there was no indication made by them that we were even in jeapardy of not getting the loan. We were green-lit from day one. But on the last day at the last hour, literally, we were told our income was not sufficient for a second home.

I have no idea how this happened since they pre-qualified us based on those figures, and then later sent a congratulations, you are approved letter. Has anyone ever heard of such a thing? Is this legal?

This action harmed not only us, but two other families. There's the sellers, of course, and also we had people who were moving to the state and into our home the very next week. Our to-be renters sold their home and most of their belongings to move here. They have three small chuildren and are now essentially homeless. As for us, we lost our condo, moving costs, since we had a truck coming the next day, and of course our deposit. We have packages on their way to the condo, utilties turned on and had paid a handyman and electrician. All these costs and those from the to-be renters can not be recouped. But the cost to our lives is where we've taken the biggest hit. This could have all been avoided had our loan processor done her job from the start. Had we known this weeks prior, we would have gone to another lender and have salvaged what we could. At the final hour, there is no salvaging.

And the kicker is CitiMortgage said one of our tax returns showed income that was too low. It showed my husband only made $24,000 for 2008. But that was after dedecutions, in which his salary was more than $83,000. The used to a special calculation to determine income. It makes no sense and there was no reasoning with them. Is there any laws they have broken? We provided every document they asked for as soon as they asked for it. How could this have happened on the day of closing? Economic and emotional harm to three families: the buyers, the sellers and the to-be renters. All were told on the day of closing that the loan did not go through and all had made life-altering plans based on CitiMortgage approving the loan to begin with.

Dear Sir or Madam,

I am filing this complaint on behalf of my client, CARMEN V. Her mortgage loan was serviced by CITIMORTGAGE. Mrs. V found herself in a bind when she lost her job. Joining many unemployed Californians in the market for a job she started to collect unemployment benefits in the amount of $ 946.00. Her financial problems were not over. Her mortgage payment with Citimortgage was $ 1090.47 not counting her escrow portion covering property taxes and insurance. Additionally she had her normal utility and living expenses which she was not able to cover with her unemployment check. She was forced to rent out a room on her house but problems continued arising when bad tenants stopped paying rent or skipping months at the time without paying but. She turned to Citimortgage for help since she had a very difficult time making the mortgage payment. Mrs. V is not collecting unemployment benefits any more and she holds a steady job and has a steady paycheck.

During her unemployment period Mrs. V applied for the HAMP providing Citimortgage, and Financial Hope for America, a third authorized party, all the documentation pertaining to her income, financial status, banking information and every piece of supporting documentation and information they have requested. Mrs. V has tried working with Citimortgage since her hardship began. Lately, on 10/1/2010 she was offered a modification trial plan for which she made in excess of 6 payments. At the end of the 3 month, updated documents were UPS to them. On April 2010 the lender sent her a notice of sale on her property stating that she did not completed they payments on said trial plan.

I called the lender to obtain information on the sale date and I was informed by Bernetta id VH56865 in the Loss Mitigation Dept. of a postponement for 7/16/10 previously set for 6/14/10. On 6/14/10 Mandy from our office called to make sure that the sale date was postponed and Joshua ID # JC37495 stated to her that the sale date was also for 7/16/10 when in fact they were selling Mrs. V's home. We were coming to an agreement for a repayment plan. Mrs. V truly believes that some sort of racial discrimination took place since she good intentioned made the payments under the trial payment plan and provided this lender with every peace of information they had requested and yet they kept on asking for more and more documentation and money. Citimortgage is done nothing to address our concerns, or repeated requests for modification review, instead, THEY SOLD MRS. V'S HOME. We need your help intervening on the borrower's behalf IN REVERSE THAT SALE. Supporting documentation is available upon request.

citimortgage gave me a new contract in 7/09 because I couldn't keep up with my payments. It worked out well and I have made every payment on time since. All of a sudden, they siad there was no record of the agreement or the payments. After faxing all the bank statements showing proof they took me to court. They finally acknowledged the payments and after many months found the new agreement that had been delivered by UPS express and signed. Decided they did not like the agreement and took to court again wantng 2 year tax returns and profit and loss statement for 6 months. Took to court again with their lawyers. Wanted more profit and loss statements. Took me to court 2 more times, tehn denied agreement and are foreclosing in 6 months.

We have been a citi mortgage customer for a while.I lost my job due to lay off. I started working with citi almost a year ago trying to get help to lower our interst rate so we could afford to pay for our home.I did everything that citi asked me to do.At first we tried for the gov. deal that was just passeed.Due to citi being slow about getting to us the time line exspired not 1 time but 2 times!

So the next step was loan modifacation. We received all paperwork did all that was asked.Papperwork was returned ahead of time.Before deadline date citi sends a paper in the mail saying we are in default to contct their foreclosuer attorney! I called the office they said that my 1st payment that they said to pay has been returned by mail because loan modifacation and foreclouser are not together!!! What about the poor preson making monthly payments trusting that your lender is doing their job correctly and then they are not to acertain point. it could cause you to loose you home what rights do the customer have?

crooks are trying to take my money! got 10k insurance check and they're giving me the run around, just like everyone else! Wheres the class action lawsuit, sign me up!

I fell behind on my mortgage payments, in which that time citimortgage requested foreclosure on my home. I was finally able to get on my feet again, and was very cooperptive with the attorneys. I paid the balance in full by the date i was advised. I was dealing with Wilson & Associates. I was told to pay the amount by may 18th 2010. It was paid on May 17 2010. I had recevived a piece of paper form the attorneys expalining why the amount was what it was. It had a break down which they received form Citimortgage including inspection fees, attorney fees, internet postings, which never happened. I asked the attorneys and Citimortgage for a copy of each service i was charged for, and proof where they were performed. Neither of them could provide me with that.

I contacted the Attorney Generals office and presented them with my problem. I have opened a case, and they are investigating it. I call weekly to check the status, and they tell me that Citimortgage will not return any of their phone calls, which was the problem i had. I did speak with Phillip at the attorneys office about this and he advised me to contact Citimortgage. I have been ubable after several attempts to receive what all i paid for. Citimortgage still shows my account deliqquient 401.25 in which the attorney says is incorrect.

Citimortgage rec the money on May 22 2010, and have yet to post it to my account. I get calls every day form they threatining me that my home is gonna get foreclosed on. I expalined to them they have my money, and need to post it. I have contacted the attorneys office, and they have sent me a letter saying my account with them has been closed because it was paid. I dont owe Citimortgage. I am paid up. They once again tell me to contact Citimortgage. I have called everyday since May 22 2010, and have yet to get a call back, or accomplish a thing. I NEED HELP PLEASE

I also applied for a Hardship which was denied, so I then applied for the Home Affordable Loan Modification which was also denied by Citimortgage.

I am writing to you because I have been getting the run around regarding the short sale of my home with CitiMortgage. I have had on (3) different occassions clients that have wanted to purchase my home, however, Citimortgage keep giving me the run around and will not let the property go. This is something that I do not understand. I moved out of my home because I could no longer afford it in December and have had 3 contracts from people wanting to purchase the property. This is not fair and I believe that CitiMortgage should at least let one of the buyers purchase it. Please advise if there is anything that can be done about this. My lawyer has been getting the run around also. This is not right.

We moved to Arizona in 2008 for health reasons. My husband left a job he had worked at for 38 years. Finding work in the same field was impossible. We were able to keep up our mortgage payments until August of 2009, when we were put on Arizona's unemployment system. It paid about one third of what our previous state's system paid. After 15 months my husband found part time work with no benefits at less than one half of what he made before. I am on disability with a large prescription bill every month. We sold one of our vehicles to pay some of our back mortgage payments.

CitiMortgage calls the house 7 or 8 times a day because we are still not caught up on our payments. The callers are not even from the United States. I have told them repeatedly that we would be making payments on our account and would be bringing it up to date in the near future.I just recently sent in some money toward our mortgage. We bailed out this bank with our tax dollars and they can not even help Americans who use their product. We were told we were on a repayment plan and what the payments would be, a few days later were were told we were on a different repayment plan and given a different set of repayment figures. I have called repeatedly to find out exactly where we were in our payments as we made them in a lump payment and knew we would still have an outstanding balance. They say that if the balance is not paid by July 2, 2010 they may foreclose and sell the property.

I have faxed the financial information over to Citimortgage 6 times; 3 times for each loan I have with them. I hope I get some better response than I have been getting. From what I have read about other customers, I am just waiting to get the run around like everyone else. Please stop this awful miscarriage of justice.

In Feb.of 2009 I called CitiMorgage inquiring about a traditional loan modification.We received a letter from Citi dated 2/23/09 and as per the instructions in the letter wihch included an application we submitted the forms as instructed,to CitiMortgage.

After 30 days I call to inquiring about the application.After countless phone calls and miss-information in July of 2009 CitiMortgage admitted to losing the appllication and the a mortgage adviser pre-qualified me over the phone for a new loan modification program.

As part of this process we were advise to pay $2,294.00per month. In addition we were told this was a trial period to last three months afer which time we receive a formal loan modification. As part of this process we were told to never miss a payment or be late for a payment and everthing will be taken care. After four months passed I began call to CitiMortgage almost every day inquiring as the status of formal modification. After five months we were advised that our paper and the application was lost. We were told that they would extend us another three months in the trial period phase.In January of 2010 we received an e-mail on the CitiMortgage site that our application was in the final stages of processing and we would have a respond from Citi in three business days.

Afert three days I call to Citi and I was given different answer but

I was always advised to keep making our payments and that everything would be alright.On Sat. March27,2010 My husbund got very upset with me while Iwas on phone with CitiMortgage who was still unable to give us any definitive information. At this point I was told to get through to supervisor and get to the bottom of this mess.He was concerned that CitiMortgage was again dropping the ball and so many months had passd.I had just lost my job and we were told that this was important information and we struggled to obtain additional information that a supervisor had said would support our application. At this point my husbund become frantic about our application .

After many calls we were advise that our application had been denied once was resubmitted again and denied again and a third time due to my job lost even though my salary was not the main income in our household. As of today we still have never received an official denial letter from CitiBank. My husbund he decided to put an end to this charade by withdrawing from this endless program which only was causing addional liabilities to accrue when we were told not to worry about a thing yet the house moving in a direction leading to foreclosure.

This predatory tactic is despicable and many unssavvy and trusting folks are being forced into foreclosure because they dont't have the reserves to bail out of this trap.
My husbund he decided to pull the plug and pay a lump sum for all the arrears from participating in this program.

We were fortunate to have the funds put aside for this. Tuo days later we receive 4 certified letters from Citi and 4 regular letters from Citi stating that we were behind in our payments 119 days and we could lose our home trough foreclosure.

We were full pay up at this time two days before this letter arrived. It took anther round of endless calls to strighten this out. We were never notified by CitiMortgage that we were denied,just keep paying the same payment and everything would be just fine, all the while the bank was secretly moving us into a foreclosuremode.
Our excellent credit rating was also dameged by the bank that pre-qualified us for this program over a nine month period and never notified us that we had been denied. Every single payment was made timely. We are W-2 transpararent Tax return family, this three month program turned into a nine month nightmare.

We were not looking for a hand-out or bailout. We wanted to convert our loan to a fixed rate loan extending the period to 40 years so that we might retire in our home.

We believe in the America Dream to own A
home not walk away from a short term poor invesment.
Considering that they are a failed institution we thougt we would find a more sympathetic audience.
What we have found is an undestaffed misinformed too big to fail institution that should do more for the folks that are actually bailing out.

I thought it would be in all of interests to keep this home but it seems they were only interested in having us lose this home.

fell 3 payment behind. because i was told to get modification for help i needed to be in default. then they told me i didnt qualify and started foreclosure. i then signed debt repayment plan instead in nov. pd 1500.00 down and agreed to pay 645.00 a month till july.in march i recieved certified letter that i owed 4000 and they were starting foreclosure. i called them to find out what was happening they said they misapplied the 1500 to interest so not to worry they would fix. in may i recieved another certified letter that they were starting foreclosure cause im still 4000 behind.

i again called to find out what is going on and where are all my payments going that im still 4000 behind. then they started paying my home ins. and my taxes without my consent or it being in my loan. then adding it to what i owe and saying i owe even more. i spent 3 hrs on phone with them again today trying to find answers as to what they are doing with all my money. im supposed to be just 200 behind as of may 26th. but still they are showing almost 3000.00. i spoke with 11 departments until i finally was hung up on. i requested 11 times to speak to whoever is really in charge of this company or i will start a lawsuit.

i do not know what to do anymore. i pay an 11% interest rate ive been paying for 10 yrs and have only paid 3000 towards my original loan because they take all the money for interst. i cannot get refinanced cause my credit is shot now. and they have tacked on 1400 in late fees and now have tacked on foreclosure procedure fees. please help .If they shut my profile down, a subscription that I paid in full, then I expect & want my money back. i have had 2 heart attachs due to stress. i had to quit my job and got one paying 7.00 hr less because of the stress. and now for 8 months ive been living in fear of losing my home. i cannot handle this anymore.

Entered into a home modification program On Aug.8th, 2009 went from making $971.81 house payments to the modified payment of $688.81/ month. I was told this would take about 3 months to complete and as long as I made all 3 trial payments on time they didn't see why I wouldn't be approved. After 3 mo. with no answer and no one could tell me anything I had to file for bankruptcy, I did not put the house in bankruptcy. It took Citimortgage 10 months to give me an answer. I was denied! I wasn't upset that I was denied I was just happy to finally, after 10 months, have an answer. It was my understanding that if the modification was denied the loan would resort back to the origianl payment amount of $971.81. with a little extra added to it to make up the difference between the origianl payment and the modified payments. Boy was I wrong!!!

Numerous times during this process I asked what happens to the difference between the payments and I was told it would be dispursed throughout the life of the loan. I asked this question many, many times during the 10 months it took them to give me an answer. What they failed to tell me was that, Only "IF" the modification was APPROVED would they dispurse the difference over the life of the loan. They didn't tell me that if it was denied I would have to pay the entire amount by a certin date, nor did the paperwork I signed say this either. I feel as though I was given the run around and given misinformation and from researching on the computer it looks like other Citimortgage customers got the same I did.

I now have to come up with $5112.24 by July 1st. or they could start the foreclosure process. I feel this is just wrong!! I did everything they wanted me to do and faxed them stuff everytime they asked for it and this is what I get for trying to be a responcible homeowner. I am lucky I am able to pay this with the help of a family memeber. I think this practice is illegal and the government needs to step in and do something about it. This really does need to be stoped! Threatend with foreclosure if $5112.24 isn't payed by July 1st. I sent out a cashiers check today so that I could keep my home but I wonder what they will come up with next.

In March '09, we filled out questionnaires and personal hardship forms for home modification. In 6/'09, we were told to make our mortgage payments about $200 less per month for a trial basis. Citi reps said because it was a Fannie Mae loan, there would be no problem. After months and months of no call backs, I received a call today, 5/5/10, saying we have been declined (as of 3/10) and we owe the $200 less difference after almost year of over $4,900! I think we have been scammed. The reason was we made too much money? Now, $4,900 due after we were told to pay short.

I was laid off for over a year and got two payments behind on my mortgage. I am back to work full time and have been trying to send extra every month to get caught up. The first couple months, the money sat there as not applied funds, was about $240 last month. I called them, they told me that they could only except at least one full payment. I said fine, I would continue to send extra and then would have it applied when it equaled one payment. This month, the not applied funds was down to $42. They have assessed a $13+ fee to me 15 times so far this year. Just enough to eat up whatever extra I send in. They have ate up $260 of my money with this mystery fee. They are rude and nasty when I call, they call me twice a day and will not quit even though I have asked them numerous times and was told they would put me on a no call list for at least two weeks.

My husband and I currently have a 1st and 2nd mortgage at a fixed rate of 6.5% and 7.5%interest/30 yr. loan with CitiMortgage. In March, we responded to a letter we received with an offer to refinance at 4.5% on a 15 year term and would receive a $500.00 credit at closing. Sounded too good to be true, but I called in spite of my husbands' concerns that this was a scam. I spoke with Yemi **. I told him my husband just started working after being laid off for 1 1/2 years (poor economy), and I work as a nurse and 6 months ago changed jobs so I could be closer to home. I asked if this would be a problem. Yemi said with my income alone, we qualified for a 15 year fixed rate of 4.5% interest and also qualified for a $1,000.00 credit at closing and depending on the appraisal of our house, determined if we could also to include the 2nd mortgage.

The following day, we spoke and started the application process. I was told we would receive the Good Faith Estimate in the mail, look it over, call with questions but once the GFE was signed and sent, there would be a $545.00 nonrefundable fee. Before mailing, I spoke with Yemi and during the "taped" conversation; I was told our credit report came back excellent. I also informed Yemi that since this credit report was done we had paid off most of our outstanding debts, as we had received our income tax return. I was told the only way this loan would not go through is if the appraisal was less the $197,000 to process the 1st mortgage and $237,000 to process both 1st and 2nd mortgages. Once they received the signed GFE, they would notify us to schedule an appraisal time. So we signed and sent GFE.

In the next few weeks, I attempted to contact Yemi, but voice mail states he was out of the office until 4/20. I tried several different numbers given as an alternative number. Several days later, I received a call from "Sandy". She said they had heard back from the underwriter and that our debt/payment ratio was too high and that they would like to do a 20 year term instead of a 15. I explained that we had paid most of the debts as I explained earlier in the letter. She said she would resubmit this to the underwriter. I asked if I could get copies of all the pay offs that were done.

The next day, a message was left that we were approved for the 20 year term. I asked her about the appraisal, why it was taking so long. She was surprised because according to her notes, the appraisal had already been done. She said she would check on this. Next day, a message was left by another person that the appraisal was done on 4/9, it was scheduled with my husband per phone call. This was a lie. A few days later, a received the GFE with the changes from a 15 year to a 20 year term, although this time my $1,000 credit was not included. So I called on 4/23 (Yemis' message on voice mail said he would be back 4/20, incidentally I never did speak with Yemi again), spoke with Jeff ** who told me my loan had been denied due to: (1) insufficient stability of income, (2) insufficient income for mortgage obligations and (3) insufficient income for total obligations. Of course, I was upset and inquired about my $545. I was told this is nonrefundable and that "the company lost money because of me". Incidentally, I did receive a copy of my "so called" exterior appraisal, which estimated my home for $230,000.

I just received my $545 bill which was charged to my credit card. Incidentally, I may add that during this entire process,s I was qualified for a CitiMastercard which I received and is now in little pieces as I cut it up. I will never do business with Citibank, CitiMortgage, CitiGroup, etc. I am submitting my complaint in hopes (that I can get my money back) that this does not happen to anyone else. Thank you. This scam has cost me $545.

On June 5, 2009 I was pre-approved for the government's HAM program by CitiMortgage, Inc. I submitted all required documentation immediately. I was told the US Treasury would send final paperwork in 90-120 days. I made my reduced monthly payments on time ever since. Monthly, I inquired on the status of my HAM and verified all documentation was received and complete. I became concerned when I did not get final paperwork in the time frame I was told. I was told that the process was taking longer due to so many people requesting loans. In December, I received a letter stating confirmation of my documents as "status complete".

On April 19, 2010, I received a phone call stating I was being dropped from HAM due to missing documentation. In my many phone attempts to discuss this error, one representative instructed me to resend specific documentation, which I promptly faxed. On April 28, I was told my case was closed on April 12 because I had not replied to a phone message left in March. When I expressed I never received such a call, the representative confirmed they called a wrong number. Yet, I have documentation showing CitiMortgage has my correct number in their files. When I requested that my case be reviewed due to their failure of properly processing my documentation and their failure to call my correct phone number, I was told that CitiMortgage will review my case to offer me an "in-house CitiMortgage Modification", not the HAM that I was supposed to receive. Of course, the in-house loan does not compare to the terms of a HAM.

I believe CitiMortgage has purposely created excuses and has prolonged or mishandled processing of documentation to avoid providing customers such as myself, with the HAM for which the government has given funding to lenders. Being a teacher, I am very organized with my records and have documentation to prove my suspicions and the failures on the part of this lender. With my husband's loss of income and my frozen teacher salary, I am in desperate need of your help in attaining my HAM loan in order to keep me in my home. Can you help me in rectifying this situation? It is my hope to resolve this issue and finalize my HAM. Thank you for your assistance with this matter.

I began the loan modification process over a year ago with CitiMortgage. My three month trial period began July 2009. All of my payments have been made on time and any and all paperwork was submitted withing 48 hours of the request. Due to workload of CitiMortgage, the three month trial period turned into 6 months, then 8 months.

I contacted Money Management International on March 18th for guidance as to how to move forward with my modification. The MMI councelor and I spent almost two hours on the phone with various people at CitiMortgage and ultimately we ended up speaking with Mortgage Outreach Service, who is a third party hired by CitiMortgage to collect needed documentation for the modification process.

I was told that once again, my 4506 had expired due to the length of time the loan process was taking, and was asked to send in, yet another, 4506 (which I did). On April 17th I received a letter of intent of foreclosure from CitiMortgage. I immediately contacted them to find out what was going on and was advised that MOS never forwarded my 4506 and therefore my account was removed from the modification process. They advised that I contact MOS to find out why they did not forward the document.

I faxed a copy of my 4506 directly to CitiMortgage and it was confirmed on April 17th that all documents were received and my loan would be sent to underwriting for review. Now I continue to receive harassing phone calls and letters from CitiMortgage advising that I owe them more than $10K. I realize this program is keeping mortgage lenders busy, but at this point, it is beyond acceptable. My credit has been affected considerably. This has caused me numerous hours on the phone.

In July 2009, I received an application for the HAM Program. I immediately gathered the information and sent it in along with the first "trial payment" that was due in August, September, and October. I called in the later part of October and was told that I was approved for the HAM program and to continue making the reduced payments. After making the reduced payment for 8 months, I called in March 2010, to ask about the paperwork that was supposed to come about the HAM Program.

I was told that we had been denied by underwriting in February 2010 because we have $9,000 equity in our home. I was told that under the HAM Program you could have no equity in your home. I looked up the federal guidelines and it stated that no LTV (loan-to-value) minimum or maximum was required. Within a week of receiving the denial letter, I received a letter stating that we owed $4,257.00 and Citimortgage would begin foreclosure proceedings in April 2010.

I have contacted an attorney because payments were made every month. Citimortgage has responded by having a representative from the president's office call and offer help. I have yet to receive any assistance from them. While this has gone on, my credit has tanked and we are in danger of losing our house.

On February, 15, 2010, I had called CitiMortgage who I have a loan with to see if I could do anything with this mortgage to lower the monthly payments. I was forwarded to Andy B. At this point he went through taking information to see if I qualified. After evaluating Mr. B. stated all looked good and he could help get it refinanced at a lower rate to lower payment. He asked for a credit card for the loan application and before I proceeded I informed him that it was a rental property now and if he was certain and no problems getting it done.

He reviewed again and said no issues getting it done. He also stated that the card would not be charged until approved, so I gave him my card info. I received a letter dated March 02, 2010 from CitiMortgage that the loan was denied, so I called back and they stated that they could not refinance due to the type of loan. I called and e-mailed Mr. B. that he had misled me and to see what happened. I also stated that if he could not help get it through that I should not be charged.

Took him a few days and he responded that he could not help and the card will be charged, which was when I noticed on my monthly statement. I feel that I was misled into this and the charges should be rescinded. I have also called CitiMortgage's customer service department, and they said that Mr. B.'s superior would contact me, but to date to no avail. The credit card was charged $705. I called Amex that I am disputing this charge. It caused unnecessary stress by misleading me.

CitiMortgage, Inc. is my mortgage lender. My original mortgage was with First Nationwide, but CitiMortgage took over the mortgage after a few years. I purchased my home in 1991 with an interest rate of 9.375%. I fell behind on my property taxes because I was a caregiver to my elderly father and could not work outside the home. Due to my tax delinquency, the county I lived in foreclosed on my home in 2007.

I contacted the county treasurer's office shortly thereafter and set up a payment plan, in which I was required to pay a fixed amount to the county each month until the tax delinquency was paid off. I continued to do that for two years, while also paying my monthly mortgage on time. Although I later became employed after my father died, I had trouble paying my monthly mortgage on time. The job I held did not pay nearly as much as the job I had before I became a caregiver. I was a few weeks late paying my mortgage.

In June 2009, I found out that CitiMortgage had gone ahead and paid off my remaining delinquent taxes. It also paid some of the taxes that would come due in July and January (in the county where I live, tax bills are issued every six months). The mortgage company then contacted me and informed me of what was going on. The result was that my monthly mortgage payments tripled because CitiMortgage expected me to pay off the escrow account within 12 months.

The new monthly payment was more than I could afford. It was equivalent to over 75% of my monthly net income. I contacted the county treasurer's office and asked if I could get them to repay CitiMortgage for the taxes that it had paid on my behalf. First, the county said that it would do so if CitiMortgage asked for the funds. I kept calling and writing to CitiMortgage asking it to request the funds. After months of getting the run-around, the county finally said that too much time had elapsed and that it would not refund the taxes to CitiMortgage.

Now my house is in foreclosure, and CitiMortgage filed a suit against me. Having no other alternative, I agreed to file an application for a home mortgage modification, even though I did not want to do so. I only had 11 more years to go on my mortgage and this plan will extend my mortgage period for more years than I would like. I also kept receiving letters and calls from CitiMortgage to the point that my job performance was negatively affected. The evening that I found out about the escrow account, I was unable to sleep and had to be at work at 8 the next morning. My job was such that an error on my part might have fatal consequences.

Since then, with all of the hassles related to this problem, I have not been able to perform my job effectively and my home is still in foreclosure. The new monthly payment is somewhat higher than the original mortgage, because the taxes and insurance are included. I just wish that CitiMortgage had given me the opportunity to pay off my delinquent tax bill instead of going ahead and causing all these problems for me. I would have been willing to pay off the taxes and it would have been easier to use some of my IRA money to do so. Now I am afraid that I will have to wipe out my IRA account if CitiMortgage does not accept me into the home mortgage modification plan. I cannot lose my home. I have no family and my home is the only thing that I am living for.

Due to Hurricane Ivan and an immediate job loss, my husband and I got behind on our mortgage payment. I made numerous calls to Citi Mortgage to modify our mortgage loan. Since we have been with this mortgage company, we have been paying 11% interest and hardly any money has come off the principal. We have lived in our home for 16 years. Citi Mortgage proceeded with the foreclosure process. We hired a Chapter 13 attorney/Foreclosure Representative to assist us in fighting the mortgage company to dismiss the accelerated interest fees; our total debt not including our mortgage was less than $17,000.00.

We went from owing one mortgage payment to owing the mortgage company over $11,000.00. Because of this, we were forced into a Chapter 13 to save our home. My husband and I believe in paying our debt, we went in the Chapter 13 to pay 100%. Fifty three months later and pure hell, we have paid over $31,000.00 to the Chapter 13 program and we have paid Citi Mortgage over $30,000.00. This has not included the cost of living and raising a teenage child. My husband and I only make fifty thousand dollars a year. We have been so strapped by this program and our mortgage company charging us so much interest. We can't even afford to pay our property taxes and insurance because most all of our money goes to the Trustee and Mortgage Company. I have pleaded with the mortgage company to re-evaluate our mortgage and include our taxes and insurance. After paying over $60,000.00 in cash to save our home, on December 31, 2009, Citi Mortgage has proceeded forward in foreclosure. (We only owe $62,000.00 on our home).

January 2010, I called to make our monthly mortgage payment and they would not accept the payment. We have been making our mortgage payments each month along with our Chapter 13 payment. The Trustee is stating that we will be out of the Chapter 13 in October 2010, about $38,000.00. My husband and I don't understand why we are paying so much money that we didn't owe. The Trustee states that they can allocate additional interest to debtors and we feel like we are being raped not to mention could still lose our home. We have been making our payments.

With the economy so bad and foreclosures ski high, why would they not work with us and not accept our money. The Trustee has already paid Citi Mortgage over $11,000.00 in accelerated interest fees of our money. None of that money came off our mortgage. To date, we have paid the mortgage company over $40,000.00 in cash and within 53 months. We are asking for help to help us modify our loan to an acceptable interest rate to include our insurance and property taxes. We love our home! We have raised our children in our home. I have recently lost my job due to the mental stress and exhaustion this has put on us. We can't continue to throw our money away. We are in our mid forties and we are trying to plan for our future. Thank you in advance for consideration of our case. We have paid our debt in full and we need to save our home. The Chapter 13 attorney did not advise us that we will still have 10 years of bad credit once if we are discharged from this Chapter 13. These programs should be illegal and mortgage companies should not be allowed to charge interest rates that will not allow you to pay off your home! These folks are getting rich because of people like us and what happens to the little folks. Homeless in Milton, Florida.

I applied for a modification and sent in all paperwork they needed to process it. They told us we did not have to make any more payment until we got our final paperwork from them. We made all of our trial payments and plus one more and then they have enough nerve to kick us out of the program after their mistake was made. It has taken them two years to start the process and didn't finish it. Now this has happened, they want to fix it and we're in the process of foreclosure and can't give the amount they want to bring the loan current.

This mortgage company dropped insurance on my loan. They tried to get me to backdate legal documents pertaining to my mortgage. There are forged documents that I did not sign. I have documentation showing they refinanced my loan weeks before I agreed to. They foreclosed on me, pushing me into bankruptcy to keep my house and land. I got very sick and failed first bankruptcy and had to file it again. I believe this company screwed me over bad and I truly believe I'm entitled to compensation for them breaking our contract. I hope I find someone to help me.

I am in the same situation as everyone else. We applied in Aug 2009 and the trial was to be completed in Jan 2010. After completion, no contact except people at the door taking pictures and leaving notes, phone calls, and dirty letters from the loss mitigation dept of CitiMortgage. We sent in everything needed but was then told in Feb that we needed a letter for unemployment and another 4506T tax document signed and sent in. Now, we were told the tax document we signed in Aug 2009 was out of date as of today and we were denied for our modification this Month, April 2010.

We are now advised we are being considered for a traditional modification and that were denied our loan modification because they did not receive the 4506T tax document on time. Apparently, this decision should not take as long as the making home affordable program. I requested for a dispute from being denied because I had sent in this specific document a total of 3 times, and each time was in a UPS overnight envelope provided by CitiMortgage. They initially received all the paperwork they needed from us in Aug 2009. I had called and confirmed that with representatives prior to our 3 month trial payments. Now they say they haven't received anything since which another rep confirmed they had last month. I asked, "What if your company lost the documents, or never got them out in the system?" I was told if they don't find the tax document in their system then my dispute would be closed because it would not be their fault.

On another note, they are also no longer taking automatic payments, which my account was set up on in the beginning to insure that the payment would be taken on time. After Jan 2010, they stopped and refused to set them up. They also refused to take a payment over the phone without an additional $20.00 fee charged. I refuse to pay them money to take my payment over the phone. For March, I mailed my payment in using an overnight UPS envelope provided by CitiMortgage and they still did not post the payment until April 15th. They say they received it on April 6th. Being overnight mail, it was their on March 31st according to UPS.

I believe this entire system is a way for them to give the consumers a run-around so they could receive their bailout money and make it appear that they are helping people when they are not. This company is still pulling the same scandalous behaviors as before. I am at the point of contacting the Better Business Bureau, the state commissioners, the financial commissioners, the white house and whoever else I need to make this public. I am a hardworking consumer whose husband lost their job, and I myself became ill from my MS, hence now on social security. I refuse to be taken advantage of any longer. I am going to stand up and fight till my last breath before this company screws me out of my home. I plan on contacting the media at this point as well.

At the urging of our government officials on a daily basis, I decided to see if I could take advantage of the new mortgage bailout program and get my home loan with CitiMortgage refinanced with a lower payment and lower interest rate. I applied for a loan modification and filled out numerous pieces of paper, faxed in all kinds of personal information (tax returns, recent pay stubs, etc. ) and was told I qualified!

The only kicker was that I had to go through a three-month trial period before the new interest rate of 2.9% (down from 8.55%) and my new monthly payment $576 (down from $840) would take effect. All I had to do was make three consistent payments in a row. I got all these phone messages on my answering machine from CitiMortgage saying that I need to call them immediately about my mortgage loan.

I called and the person says, "We need a particular document that was left out when you faxed us the information the last time." I say, "Okay. I will re-fax this document again." I did and I document this in my CitiMortgage Refinance file I started.

A couple of weeks go by and I'm still getting the phone messages and a note on my back door saying that I must contact CitiMortgage immediately about my mortgage. I called them again and talked with another representative who says, "You left out document such and such and we can't go forward with the modification until we verify this piece of information." So I fax them again and documented this again in my file. This started in November 2009 and it's now April 2010.

I am advised today that I'm still in the three-month trial period on the loan modification plan because I am missing a critical piece of information - that stupid piece of information that I have already faxed to them three times! I hit the ceiling and tell the guy on the phone that whomever is at the desk where the fax machine is located sought out and held down until my documents are found because I have faxed them three times already! The guy today tells me that I need to call CitiMortgage next week about the missing document. All the while this is going on, I'm finding out that my mortgage payments that I've been making are not credited to the loan at all! They are going into what CitiMortage calls "the bucket".

When I fax all of my financial information to them again for the fourth time, they will set up the account and all my money that I've been paying for the last six months will be credited to my loan. So, guess what my loan is showing now on their records? Six months past due!

I'm sick of them. They are a freaking joke of a company. Lord, please provide me that money to pay this stupid mortgage off! I can't lose my home!

Due to a series of unforeseen circumstances, we got behind on our mortgage last year. Last September, we submitted an application for loan assistance with CitiMortgage. We were approved for what we thought, and were verbally told was a loan modification. We signed a letter stating our agreement to pay a lower monthly payment for 3 months.

After that time, if we paid on time, we were told the lower monthly payment would be finalized as our new payment. For Oct., Nov., and Dec. of 2009 we made the payments in full and on time. When I made our payment in December I was told "congratulations" by the Citimortgage customer service rep as we had successfully completed our probationary period.

I asked her if we needed to do anything further and was told no. That someone with Loss Mitigation would be in touch to finalize our new payment and to continue paying the lower payment, due by the 20th of every month. For Jan and Feb of 2010 we paid the lower payment. Each month we asked again about finalizing the lower payment and were told someone would be in touch and to keep paying the lower amount.

In March, when we called to make our payment we were told we'd need to reapply for assistance as too much time had gone by since our original application. When I asked why, no one ever followed up to finalize our lower payment the representative said, "I don't know, there are no notes on your account." At the time, we were also told that we had originally been told incorrectly and that this wasn't a loan modification but a repayment plan. And that typically they require a balloon payment be made after a brief period of lower payments. No one ever said anything to us about a balloon payment, nor was it in any paperwork we signed. We would not have signed up for that. Again, all we got was an apology and told again to reapply.

Less than a week later, we received a notice from the Citimortgage attorney stating they had filed for foreclosure on our home. I immediately contacted CitiMortgage and asked why when we had done everything Citimortgage had told us to do since last November. Again, we were told just to reapply for assistance and given no answer as to why we were given so much bad information prior to now and why Citi was doing nothing to rectify the situation. After meeting with a HUD counselor, we realized that the amount we are delinquent has doubled since we originally signed the lower payment agreement in September.

In Sept. 2009, we were delinquent about $3200. We are now delinquent a little over $6000 with attorney's fee's added of over $1500. Citimortgage told us that they do not send monthly statements to those on payment plans. Therefore we had no way of knowing they were charging us excessive late and delinquent fees every month from the time we started on their lower payment plan. That was the cause for the amount we owed them doubling.

But, again, we had no way of knowing that at the time because they weren't sending statements and it was not communicated to us! We've spoken to numerous different customer service representatives at Citi and are continually told just to reapply for assistance, which we have. Yesterday, I called them to make our monthly payment. I was told that they could not accept the payment because our house is in foreclosure. I specifically asked if we were going to continue to incur late and delinquent fees while our house is in foreclosure and she said yes.

So they won't take our payment, even though we wanted to pay but are going to continue charging us fees...increasing the amount we are delinquent. That makes no sense to us. We were also told that we could not qualify for the "Making Homes Affordable" loan modification because we have a VA loan. As we sit and wait they continue to add fees to our account and the attorney's fees continue to increase. It certainly feels like they're trying to ensure there's no way for us to keep our home. We are completely dissatisfied with this process and feel CitiMortgage should be investigated for these practices. I have done some research and found we are not the only ones experiencing these types of situations with them. We are currently in the process of finding an attorney, however, we cannot afford an attorney and are hoping someone will help us pro bono.

Trying to buy a home owned by Citigroup by foreclosure. We were the second highest bid, so the first bidder got the property. But there were problems with them getting financing and Citigroup let them re-bid a lower price. There was again problems with the title opinion and lot lines, Citigroup again let them re-bid. The first bidders have since dropped out so they come back to us. Citigroup is going to fix the lot line/encroachment problem, but will not let us re-bid. Where do I go to file a complaint about this run around?

On 4/13/10 I called to get a pay off on our 2nd mtg (CitiMortgage is our 2nd) when I received the information the statement showed a late fee. This raised a red flag to me so I called to see why there was one and why it never showed on any of statements. We had been a part of a plan that was offered to us where our payments were $237 instead of $344 for a limited time.

We continued to receive billing statements showing the amt due of $237 until March. The first supervisor that we spoke with "Melissa" told us that since we didn't make a full payment as of Jan they took part of the $237 payment and applied it to the Feb payment to make it a full 344 and therefore we had $216 floating around not being applied to anything.

She insisted we owed a late fee etc. when we tried to argue that we had not been notified that they had handled the funds that way she said they could turn us over to collections and hung up on us. We called back and spoke with another supervisor, "Gary". He was just as rude and again argued that we were late and in default. We kept saying you didn't tell us you applied the funds that way or it would have been corrected. Now we have to come up with $591. Plus $40 late fee plus $20 processing fee for them to access the funds through our checking account I pay my bills using on line bill pay.

In September 2009, I was "approved" for a loan modification on a 90-day trial period. I signed the paperwork, submitted the documentation they requested, and made the required monthly payments for not only 90 days, but for 6 months. They contacted me in late January, asking me to submit my financial documents again, which I did within a 3 days.

I didn't hear from them again until April 8, when they sent me an email asking me to call them. I called that evening and the man I spoke with said on April 6, my loan modification had been denied because alternative payments had been arranged, and due to documentation, but couldn't give me specifics. He said that was all it said in my file.

I told him that I hadn't talked to anyone or received a letter or email and that I was unaware of being denied, or of any alternative payments. He said I would have to arrange a repayment program to pay back what I owed due to making the reduced payments, and that I would be receiving a letter probably in a week or two. When I asked if there was someone else I could speak to, he said no there wasn't. He could not refer me to a different department or a higher level contact.

Two days later, I received a Notice of Default letter (not a letter stating the loan modification was denied), and stating that I owed almost $11,000, due by May 7, or that my home could be sold in a foreclosure sale. I called the 800 number on the letter the next morning, and was told the Notice of Default letter was my notice that the loan modification had been denied.

She also told me that the leases for my rental properties did not contain the signatures of the tenants, and that I had been sent an email by "Heather" on Feb. 2 notifying me but that I had not responded to it. I told her that I did not receive an email on Feb. 2, that if I had I surely would have responded to it, that I had been compliant with all their requirements and could not understand why I was being denied. She said I could apply for a "traditional" modification through them, but the original HAM modification was closed and I had no recourse to open it up again.

Now I don't know if I am in foreclosure or not. If I really owe $11,000 by May 7, or if I'm still in the process of modification, or if I stand to lose my home.

I've been a Citi customer for many years and they hold three of my mortgages. For the past year, I've been paying the three mortgages with one check through one of their banks. They have a policy of not excepting one check for multiple mortgages. As a customer, this will add extra expenses for the life of the loan. Instead of writing 12 checks per year, I will have to write 36 checks per year. The message they are sending is we don't care about customers.

I recently filed a Chapter 7 Bankruptcy. My homeowner's loan with CitiMortgage was exempted from that filing. I am bringing this to your attention because although my Chapter 7 was discharged, I still have not been able to access my loan account through CitiMortgage. The Reaffirmation Agreement in which CitiMortgage was suppose to file has never been filed with the Bankruptcy Courts. I have been making my payments on time each month. However, on February 16, 2010, I went to a local branch to make my payment and was told I could not make it, and that I needed to call CitiMortgage for access to my account.

I immediately phoned CitiMortgage to find out what was wrong. That's when I was told my account was in the Bankruptcy department and would stay there because I did not have an affirmation. As one of my creditors, CitiMortgage was suppose to contact me and send me the necessary Reaffirmation forms and file it with the courts. The person who handled my account failed to do that. I asked for the location of a bank in my area, so I could go in and complete the forms. CitiMortgage told me there were no bankruptcy departments in local branches. I requested the forms be sent to me. The forms were sent to me and I returned the forms to CitiMortgage the same day February 19, 2010.

On March 6, 2010, I called CitiMortgage to inquire about the Reaffirmation Agreement. I was told it was received, but the person handling my file lost it. Then they found it. But, it was not filed. I was also told it was nothing they could do about it and I should re-open my Bankruptcy case to have the form filed. I was also told until then, my account with CitiMortgage would remain in their bankruptcy department because it was not reaffirmed. I told them that this was their error in not following through and that was not acceptable. I then called the courts myself, finding out it would cost me $260 to reopen the case. But, I should not have to do that and spend money I don't have, when it was CitiMortgage's oversight to file my Reaffirmation. I have made repeated attempts to find out why it was not filed with the courts. Nobody has contacted me or given me any explanation or solution. As of this day, March 11, 2010, I have spoken to two managers, neither of which has returned my calls as they said they would. I also called the person who is handling my file. I left her numerous voice mails. She has not contacted me. I was told my one of the shift managers they would forward this issue to her Manager. That Manager has not contacted me to date. As a result of this whole issue, I was late on my February payment, resulting in a late fee and I still have no answers. This is a serious matter to me.

March 6, 2010, I took the copy of the Reaffirmation forms I previously signed and sent back to CitiMortgage and filed them with the courts myself. I had to file without a CitiMortgage signature. I have written a letter to the Bankruptcy Courts on my behalf to enter this Reaffirmation as a part of my Chapter 7 file because CitiMortgage failed to follow through and disregarded the matter. I am extremely disappointed with CitiMortgage's customer service and the handling of this matter.

I would still like someone courteous enough to contact me with information on what was done, if anything and when my account will be out of the bankruptcy department, so I may have access to it. It is not April and I still cannot talk to anyone at Citi. I have called and left voice messages with the Manager of the Bankruptcy Department and also the person who was responsible to not filing the reaffirmation. My Bankruptcy has been discharge as of now. But know remedy from CitiMortgage. I am so stressed out words cannot tell. I make my payments on time but still feel like are they trying to take my home?

I applied for a home modification and after a year I was denied. They waited a whole year, when I couldn't afford anymore I had to move and get someone who could pay it for me until the modification goes through. Now they say, I owe all this money and don't want to help me make arrangements to pay it. My credit is mess up.

First, let me tell you a little about me in regards to my current financial situation. I am thirty-five years old. From the time I was twenty I've been a sales consultant in the automotive industry spending eleven of those years with one company and the past three and a half years with the Dan Wolf Automotive Group in Naperville, IL. I sell Lexus vehicles. Prior to starting at Lexus, my income had been between 87k and 93k from 2003-2006. My hire date at Lexus was July 24th, 2006. During my first full year at Lexus of Naperville, I was able to make similar income finishing around 92k for 2007. However, over the past two years, my income has been about thirty percent lower earning 63k in 2008 and 66k in 2009. I attribute the lower earnings to the struggling economy resulting in reduced sales.

In 2008 right from the start, it was a struggle to stay current with my bills. With the drastic reduction in income, my mortgage and property taxes were forty percent of my gross monthly income and remain so currently. As of January 2009, it was necessary for me to borrow $6000 from my mother in order to keep up with my bills. It became clear to me that I needed to seek a way to regain control of my finances and keep things manageable with the current economic times. After doing some calculations, I was able to surmise that it would require reducing my monthly expenses by $800 to get back to break even. My first thought was to refinance my house and extend the term which would have lowered my payment almost $600 and then figure ways to get the rest of my payments lower by eliminating all unnecessary items such as cable, cell phone, etc. It seemed drastic at the time but having always maintained perfect credit to that point, I was willing to do whatever it took to keep on top of things. It was suggested to me by a co-worker to call my mortgage provider and explain the hardship I'd been facing, to ask what they could do to help, if anything.

On Friday, August 22nd, I called my mortgage provider, Citimortgage. After explaining to the representative my situation she told me Citi would modify my current loan to help me and keep my mortgage with them. After a brief on-phone application process, she informed me I had been pre-qualified for the modification and would send me out a package of documents to complete along with a list of documents required to process the modification. It was explained to me at this time that the terms of the modification would lower my current APR from 5.75 to 2% over the course of the next five years and then increase 1% each year thereafter but never to exceed my current APR. By modifying my loan, they were able to lower my monthly payment by $630 when factoring in property taxes and homeowners insurance which under the original agreement were not in escrow.

It was explained that there was a trial period of three months during which I was to pay the estimated modified payment. I was told that after the final trial payment, my modified loan would take effect going forward. When asked why this is so, it was explained to me that they wanted to make sure I could afford the new payment. My first trial payment was due Sept 11, 2008 and the same date of Nov & Dec. The terms of the modification seemed to be exactly what I needed to gain control again but I had a few questions just to be certain that this solution was going to help accomplish my goals. The two biggest concerns for me were what the costs of the modification were, if any, and if this was going to affect my credit rating which was perfect. The representative explained to me that there was no cost to me as this was just a modification to my current loan and it would not affect my credit at all as long as I stayed current with the payments during the trial period. "Sounds good," I said, "get the paperwork out to me and I'll get it all back asap."

It was about a week later that I received a package from Citimortgage in the mail. Inside were detailed instructions of what documents they needed to modify my loan. Among these were current pay stubs, last three year's tax returns, property tax statement from 2008, and homeowner's insurance info, along with misc. forms to be filled out and sent back. A notable document requested was a hardship letter to be written by myself explaining why I needed to modify my loan agreement with Citi. It was all completed and mailed back within three days of receiving it. It was documented that my trial payments of $1611.17 were to be made during the months of September, November and December on the 11th day of each month. For each of these months, my payment was made by phone using a debit card on or before the due date. During this period, I was also responsible to pay property taxes and homeowners insurance that would be paid from escrow included in the payment once the modified terms were finalized.

On December 31st, I called Citi to make sure that they were satisfied with the trial payments and to discuss payments due under the modified agreement. I was informed that I was to continue making the trial payment and that my modified loan was not yet approved. I asked why and was told that Citi was backlogged and had not been able to review my file yet. This seemed acceptable as I was assured it would only be one or two months more of trial payments and my agreement would be modified as previously promised. So, I made additional trial payments during the months of January, February and March, all on or before the date they were due. Also, after making the payments, I'd ask to speak to someone from their loss mitigation department to get an update on the status of my modification. Every time I spoke with a representative, I was assured it would be finalized before long and I just needed to wait.

Backing up a bit, on January 12th, I applied for a Lexus credit card because they had a promotion going where you received $60 cash just for signing up. I really didn't need or intend to use the card but was happy to get the cash for signing up for it. This was when things really started to go downhill. I was informed by Lexus Financial that my application for the card was denied due to delinquent credit. My first thought was it must be a mistake and the social security number was not entered properly. I had my financial advisor check it and it was right. He proceeded to do a credit check for me at my request. It turns out during the trial period of payments it had been reported that I was behind on my mortgage taking my credit score from the high 700s to the low 600s. Immediately after that ,I called Citi thinking they had made a mistake. The representative explained that once I was on the modified loan all late payments they showed would be satisfied and my credit score would go back to what it was. I explained that I had been making all my trial payments on time and didn't understand how they could report it differently to the credit reporting agency. The representative said it's just how they do it and offered no real explanation but assured me the effect on my credit was temporary.

On February 11th, I made a payment and wanted to speak to someone who could shed some light on when they thought this modified agreement would finally go into affect. They put me through to the loss mitigation dept. as usual and the representative once again told me that my file had not yet been reviewed but assured me it was close. What struck me as odd is throughout the conversation the representative said if you're approved several times. It bothered me that the "when" you're approved from all the previous conversations became "if" you're approved. I told the representative I thought I was approved from day one when it had been suggested to me to have Citi modify my loan to which the reply was, "You're not approved until we can review your documents."

At this time, I had reached the end of my financial rope as well. The modified payment was higher than my original payment by $135 and I was still paying property taxes and homeowners insurance on top of it. The modified terms included escrow that was set up to pay these items after it went into effect. Again, on March 9th, 2010, I had to turn to my mother for an additional $2500. She agreed to lend me the money only because she knows how hard it is for me right now and she knows I hate having to borrow from her. I told my mother this would be the last time I would accept money from her and I would push harder to get my mortgage situation resolved.

On March 11th, another trial payment was made, now a seventh trial payment. Again I asked to speak to someone who could give me an update on my status. The representative assured me it would be before the end of March. The representative I spoke to on this day was very positive and gave me assurance that the modification of my loan was to be completed.

On March 30th, I again called to get an update on the status of my modification. It was at this time that I was informed that my application was denied and I was deemed ineligible for a loan modification. When asked when this was determined, I was told the underwriter reviewed and rejected my application on March 26th. Of course my next question was why had it been rejected? The representative told me it was determined that I have too much money to qualify for the loan modification. They said it was based on the bank statement provided from August and that my reserve funds would cover more than three months of mortgage payments.

I explained that all of that money had been budgeted to pay property taxes and homeowners insurance that was due shortly thereafter. I also reiterated something from my hardship letter that I had been borrowing from my mother in order to stay current with bills and much of that money was hers. I was told by the representative that she would forward the information to the underwriter for further consideration. I asked if I could speak with the underwriter and was told no, but she would have him call me back. I explained also that I had sent in documentation tracking money transferred from my mother's account to mine dating back to August of 2008 with a recent transfer in March of this year. I also sent in a recent bank statement of mine showing my current cash reserves totaling roughly $2200.00.

It is April 5th, 2010, as I write this and Citi received those documents today according to the delivery confirmation I sent them with. The representative I spoke to on March 30th, 2010 told me it would be thirty days to review those documents. On March 31st, I received an e-mail to contact Citimortgage immediately. Upon calling the number it routed me to Mr. ***** whom at the time I assumed is the underwriter for Citi. I've called and left messages every day since with no return call. I have, however, two times received a call from an automated phone system that requests me to hold for a representative and then promptly disconnects the call. On a brief note, I have never during this process received a call from an actual person at Citi for any reason. All of the correspondence has been from me calling them. Today, I also received two separate letters from Citimortgage regarding past due payments due by the end of the month as well as the foreclosure and sale of my home. Also, at my doorstep was a notice to call Citimortgage immediately. The number on the notice is Douglas **'s number. I left another message today.

Since I was unable to reach Douglas ** on my second call to him today I decided to call a representative with the loss mitigation department to see if he would be able to get me in touch with Mr. *****. I was told that Mr. ***** is an underwriter and they don't speak to customers. I told him that I had received an e-mail previously and a notice today asking me to call a number that put me directly through to his voice mail. He asked me to hold briefly and came back on the line to tell me that Mr. *****s question for me was how much money I have presently. I informed the representative that a copy of my current bank statement had been mailed and received by them today along with the documents following the trail of moneys I've borrowed to be current with my mortgage.

The representative then asked me if I'd like to pay the delinquent balance on my account today. I asked him what he was referring to and he stated my account is currently $7494.95 delinquent and I needed to pay it right away. I asked how can my account be delinquent with you when my original payment was $1475 and I've been paying $1611 each month since being put on the trial modification payment. He said my trial payments were not applied to the loan and I'd have to pay the entire delinquent amount. I then asked when I'd be receiving my money that Citi has and he stated I have $6850.52 built up but was unsure of when I would receive it back. I asked how I can owe more than I've paid when my trial payments are actually $135 higher. He said there may be late fees and interest accruals from the past due funds. Prior to hearing this and receiving the letters today, I had already been able to determine that I have been scammed by Citi, but it seems the damages to my personal situation continue to mount.

This is all an abbreviated summary of what I've endured over the last eight months going through this process with Citimortgage. It doesn't describe the vast time I've spent on the phone each time I call having to be transferred from department to department and wait every time I call. It doesn't describe the loss of self pride from having my credit destroyed. It doesn't describe how it feels to be treated like a bum each time you call trying to expedite the process and all they ever want you to do is pay money you don't even owe. Most importantly it doesn't describe how I feel having been encouraged to pursue a means of making home ownership affordable that would leave me worse off now than I was when I began this process nearly nine months ago. In the letter I received today, I'm being told unless I come up with $6014.56 by 4/30/2010, my property may be sold in accordance with the terms of the Security Instrument. So basically I've done everything Citi asked. I've made my payments on time and now the threatening letters start less than two weeks after it was deemed I did not qualify for a loan modification.

From a consumer's perspective having been put through this hellish experience I feel as though Citi has taken it upon themselves to make lemonade out of lemons for their gain only. The government gave them money that was to be used to help consumers through these tough times. Instead Citi has developed a process in which they encourage people to enter into a loan modifying process during which they destroy your credit and charge up fees to make even more money. When this process began, it was sold to me as a solution to being able to afford my home. Now, I'm not sure what options I have as trying to refinance at a lower rate will be impossible with my credit in shambles. Recently I did a google search because I was curious if others had a similar experience with Citi and their loan modification scam. I simply typed Citimortgage modification experience and hit search. What popped up was eye-opening to say the least. Not one person had a successful loan modification! It was hundreds upon hundreds of people just like me whose stories were not dissimilar to mine aside from reasons of hardship. There were even massive groups of people joining together for class action lawsuits against Citi who would like legal advice in the matter.

This document has been written for anyone who will read it. I can only hope that this issue will be brought to the public's attention soon so that others will not be ruined by this scam. It truly saddens me how this has affected me and others and how it has changed my total viewpoint on owning a home. I no longer feel prideful about my home. In fact, I feel quite the opposite. I'd be happy to discuss in further detail any aspect of my experience with anyone wanting additional information.

This company cashed the bank-issued money orders we sent them, but did not apply any of them to our account. This has caused our house to go into foreclosure! They repeatedly "lost" documents that were faxed to them, proving these money orders were cashed. I am still arguing with them, and I'm running out of time!

In July 2009 I applied for mortgage assistance with CitiMortgage. A nice lady on the phone asked me a bunch of questions and told me that I qualified for it. She quoted my new payment and said that if I made the payment for 3 months on time, I would be approved( July, Aug, Oct 09). So I made the payments, all on time.

The end of October, I got some forms via FedEx to fill out. The letter said if I make my Oct, Nov, Dec payments on time, I would be approved. I did. In January, I got a letter saying I was denied because I did not make enough to pay the modified amount. After a phone call, they reconsidered and put me in another modification program. I am still pending on this one. Now here is where I am getting worried. All this time I have been accumulating the difference between my mod payment and my normal payment. It is currently just short of $5000.00.

I have been getting letters, each one a little more threatening to pay this amount. When I call, I am told the letters are computer-generated and since I am in the program I can just ignore them. Now from working with this for 8 months I now realize that at least at Citi, the right hand does not know what the left hand is doing and vice-versa. Loss Mitigation Department tells me everything is okay so far but I keep getting these letters saying I will be foreclosed on if I do not make up the $5000.00. I never have a problem getting someone on the phone. The problem is Citi has insulated itself with call centers.

If i want to talk to someone who really knows what is going on, I am out of luck. All I get is some kid trying to work his/her way through college. I got the news yesterday. I was denied for the second time because I don't make enough money to make the payment that I have been making every month for 8 months. So instead of $370 a month, my payment jumped to $884. My old payment was only $555. When I started all this, I was not behind on my payment. Now thanks to the denied mod, I am instantly 3 months behind at $884 a month. Does something seem to be very wrong with this picture?