CitiMortgage

I am so disgusted with what I have gone through over the last eight months with CitiMortgage. I cannot believe they get away with treating their customers like they do. This all started in October 2011. I knew I was going to fall behind on my mortgage so I reached out to them to see if there was anything they could do. Of course, since I was current, the answer was no. I even sent them an email asking for help. I then became delinquent. In February, I started working with an executive consultant on a medication. I sent her everything they requested in Feb. 2012. She has been the most difficult person to work with. But I understood I had no choice because I needed my home. In March 2012, I started received things from an attorney for Citi. The consultant I was working with said the foreclosure process continues even though my information was being reviewed by the underwriters. The underwriters continued to request more information even some being the same as I already sent them.

During all this, I received a sheriff sale date for May 24, 2012. When I called Citi, they said they're still waiting on a decision from the underwriters and I had to send them more info which the process starts over again 30-45 days which would be after the sheriff date. Never before have a cried on the phone to a customer service rep but this company had me so upset. During this entire process, I advised them of money I had saved, a raise I received in April to help my future payments, etc. Well, a friend of mine told me about a non-profit Michigan program. I called them and started working with them on a modification. I sent them all the information requested and within two weeks was approved for a modification on my past due balance owed to Citi and escrow. I was denied a modification from Citi last week. I still have some unanswered question with CitiMortgage and the exec specialist I am to work with is still being so difficult still. I just don't know what to do anymore. I don't want to sign the paperwork and accept the assistance from Michigan Step Forward if Citi is going to set me up to fail. Please help!

I just wanted to warn anyone that is thinking about doing business with this sham of a mortgage company to run and run fast. CitiMortgage is flat out the worst company out there. All over their website, they claim to call them if you are having financial difficulties. That is a just trap so they can get your house. After my husband lost his job, we fell a little behind and not knowing what a terrible company they are, I called and explained my situation. Of course, they would be happy to review my mortgage for a loan modification. I faxed my paperwork in on September 1, 2011. It is now May 10, 2012 and I have yet to get anyone to help me. I'm still waiting on an answer that's been "in review" for over 8 months, including the last 3 months in "expedited review".

So, all this time while it is supposedly "being reviewed", no one ever advised me that I was in danger of foreclosure. CitiMortgage never called me, never sent me any letters requesting payment or letting me know my account was going to foreclosure, as they are required to do by federal law (at least with FHA mortgages). Yet the cops still were knocking on my door handing me a foreclosure complaint without any notice whatsoever. CitiMortgage is also required to contact me and review my account for modification before filing a foreclosure and again failed to follow the law. They never even made one attempt to contact me.

I am not sure how they continue to ignore federal law and just do whatever they want. I reported them to HUD, but my account still sits in foreclosure. I understand I fell behind, but I would have never let it get to foreclosure had I known. They purposely led me down the path to foreclosure and now want over $10,000 (including all these "expenses" which are not detailed) or my house, whichever comes first.

As I said, if someone would have warned me, I could have taken care of this long ago, but I was stupid enough to believe it really was being reviewed and fell for lie after lie after lie. I could go on and on about the gazillion times I called them, faxed them, emailed them, scheduled telephone calls to "discuss my account" and no one would never call, but I don't have all day. I'll save it for the class action lawsuit that I am sure will eventually be brought. I can't wait for the day when they have to pay out billions of dollars for breaking laws to screw people over.

CitiMortgage is the worst by far. Never, I mean never, work with them! Their reps are rude, ill-informed and nasty. Hangs are common when you ask for a supervisor to assist. Do the call back, not a chance. Again, never work with Citi. I have been approved and lost in the shuffle so many times I lost count.

We were told we were approved for a modification to reduce house notes and for several months, we paid the reduce amount. Later, I was told we were not approved and had to come up with thousands of dollars. We were told that our house was already in foreclosure because of the unpaid amounts that we were unaware of. With times being hard on everyone, it was hard to borrow the money. But by the grace of God, we got it. We were able to pay it and was never approved for a modification as we were told. Some of my friends/neighbors received an internal audit review from CitiMortgage, but I did not. I am requesting one immediately before I pursue legal consultation.

I received a FedEx letter from Citibank offering me to refinance my mortgage. It said no cost to me, no appraisal and locked interest rate.

I called talked to Tim. Of course, I didn't meet the qualifications. I'm not sure if anyone did after reading the long list on the back of the letter of eligibility requirements. But they would still give me a loan to lower my interest rates. I have given all my information (which took a lot of time). My credit report was pulled, which already had the information there. But I was assured with my good credit that I would not have a problem. After all, I have had a credit card with Citibank for 26 years and have had these loans that I wanted to refinance for 10 years. I was trying to refinance 3 rental properties that have almost 50% equity in them. I have paid extra on the principal for years. My Equifax score was 729.

Before we hung up, Tim assured me that he could get my loan though without bothering me. He was to lock in on the interest rate and I would not need an appraisal but there would be a small fee. So I gave my credit card information (Thinking all the time that the letter said no cost to me). I told Tim that I would be leaving on spring break and would not be back for 10 days or more.

Then I get a call saying that one property will need an appraisal. But he assured me that the other two did not. I met with the appraiser which was very hard to do. I had to drive 125 miles to the property. Instead of using a local appraiser, they called one that had to drive an hour to get there. We had no trouble getting in one side but the tenant on the other side was out of town to work and his wife work also. We do not go into homes without tenant at home. We gave the phone number of tenant to the appraiser so that he could call and set up another time. We call tenant and gave him appraiser's number. They could not get though to each other for one reason or another.

When I got back from vacation, I had 12 calls from Citibank insisting that I get information to them or they would drop my application. When I talk to Tim, I told him that this was getting too complicated for me after he told me that the other properties need an appraisal because of the tornado that had come through earlier that month even though it was more than twenty miles from my properties. I told him that I would have roughly more than $2,500.00 tied up in the refinance if I had to do all that he had asked.

At that time, I told him to pull my applications. One by one, the denial letters came in with unfavorable reasons why my applications had been denied. When my credit card bill came this month, it had charges of $665.00, $105.50, $105.50, $75.00 and $75.00. That's a thousand dollars for nothing. I am sure President Obama did not intend for the government-sponsored home affordable refinance program to be used in this manner.

I would like for the information to be removed from my credit report. Also, I would like a refund of the money I spent for nothing. When I finish paying my loans and credit cards, I will never use Citibank again and believe me, I will pass the word around. I am sure Citibank will not do anything about the way things are handled in the mortgage refinance department but I'm sure President Obama and Governor Daniels would like to know.

I called the 1-800-283-7918 to do an address change. It took almost 15 minutes to do a simple address change. The customer service rep keeps asking me to repeat everything over and over and over. I could barely understand him when he spoke.

Citi Mortgage failed in filling Safeco title issue: Back in 2002, I found some property out in Springtown right at 20 acres and then I found a manufactured 1996 used 1,800 sq ft home. I was single at this time and had a single mortgage standard 30 yr FHA loan. Almost 6 yrs down the road, I came home and found a note on my door that Parker Co was about to seize my home for none payment of taxes. Interesting, I had not received anything in my name and my land was in Wise Co. So I set out to find what this was all about. By this time, I had also had my homeowners insurance canceled for no given reason by Farmers Insurance. In which, I accounted it due to them unloading high risk due to mold issue payouts when all that was going on. So, we just selected another company. Keep in mind I had an escrow that took care of all this that I had bought into a couple years after buying the place. At that time, ABN Ambro was my mortgage holder, wonderful company, very helpful.

Back to seizure of home, after many trips over to Parker Co with my papers in hand showing that my home was tied to the land and had been turned into real property, I discovered that Safeco Title did not process the paper work through the state and canceled the title to the home and changed it into my name. Safeco Title had gone under by then and after trying to many times and contacting each of the companies that had acquired their assets, none could help me. I also at this time was in contact with my new mortgage company, CitiMortgage, asking out right pleading for help in resolving this issue. This fell of deaf uncaring ears as this company was too large and did not care and outright told me this was my problem.

Downward spiral begins. Trying to keep Parker Co off my back by making payments for the school taxes that accrued in the previous owner's name and at this time is when gas reached record highs. I had my homeowners insurance canceled again. I had never made a claim into any of them. But this time, I knew why. You can't insure something you don't own. CitiMortgage issues single interest insurance payments jump from $780.00 to $1,100.00 plus the tax payments to Parker Co.

Now, I'm constantly asking for assistance in resolving this issue, drawing of deaf and blind caring companies, real estate attorneys want my first born to take on the case to fix it maybe. All this and not once had I ever been late on a payment. But I was at the end of my rope and things/financial and physical health due to the amount of stress had reached a breaking point.

October 2009, I called and notified and emailed CitiMortgage to put me in default as I give up. Citi said why you never been late on a payment, all I said were look at my file and you have your answer to why. Well, we can't do that auto-draft, you have to default on payments and there's a process you have to go through before default. Okay whatever, you have your notice, I can't fix it, you won't fix it, I'm drowning, I'm out.

Hard letting go of something you made your family dream. Invested into improvements, workshop, farm implements, and outright self sustaining living, paying cash as I went for everything, and then liquidating it all to have to move back to a rent house in the city. My total investment for the land and home was $87k. The tax appraised value for the land alone was $145k less improvements, this was a catastrophic loss. You can't sell something you don't own or insure and with all the mortgage crisis happening, I was left to fall into foreclosure myself.

But as I told CitiMortgage, hey you're going to love this one. It's a diamond, you won't lose a dime but I lost a fortune and I now have this on my credit and I sit here stuck still in depression and I need help in resolving this so I can start over. I give up on the dream of living in the country as this has taken a toll on my health and I am unable to be the superman/dad I once was. But I still have to get something that I can call my own and have a work shop as this is therapy to me.

The place in Springtown just recently sold and as to no surprise, I owe nothing/never received anything as to what it sold for, but I'm sure they made money on it. I know if I could have had that opportunity, I would be setting almost mortgage free with the gain. Thanks Safeco and Citi.

I spent 2 hours on the phone and got transferred to literally 8 different people, who know absolutely nothing. CitiMortgage is a greedy company, who basically doesn't want to help you refinance your loan.

CitiMortgage offered me a modifaction. I recorded dates and times I spoke to their Modification Department. I faxed, faxed and re-faxed to different departments that all required paperwork. The modification process lasted over a year and a half, then I was told the Modification had not gone through, due to not faxing the required paperwork, I was livid! I had to sign an in house modification in order to keep my home. Citi added on all interest and related charges to my principal, and hike my payment up so high that now it is hard to afford my home. I am so upset. I filed a complaint with the Attorney General of WV. I hope they step up and help. I need an Attorney in WV helping with this fraud, please help. Citi needs to be held accountable.

I filed for Chapter 13 Bankruptcy in April 20, 2010. Prior to me filing, CitiMortgage charged off the $24,000 balance that I had left on my property. I never received notification that the balance was being charged off or that the property was being foreclosed on. I called CitiMortgage in December to get updated balance info and was told that the balance had been written off.

When I filed for bankruptcy, CitiMortgage was one of the companies that were notified by my attorney about the bankruptcy. They then sent in a claim and requested for mortgage arrears to be paid. They then told my attorney that after the arrears were paid, I should still pay the mortgage on the property. Well now when I call them, I cannot get any information on what the balance is and they also do not have any evidence showing what has happened to the money that was received from the trustee. I would like to keep my property and pay the balance off over the next few years. They are not giving me information because no one seems to know what is going on. CitiMortgage is not helping me. Please help.

I, like the rest of you, was a victim of criminal actions because of Citi's home mod department. I kept very good notes about times and dates and names of the people I spoke with. I went through the trial period and then was sent a set of documents that needed to be signed and notarized and was told I was accepted into the HAMP program. This was in August 2011. I was set up on auto payments based upon the numbers in the documents I signed.

The bank took these payments for seven months. Then I got a phone call stating they made a mistake and the document I signed was for a much higher amount than the first loan mod paperwork they sent. They backdated the contract to the same day they received my original docs and took the notarized form from one document and put it on the new ones. It's a notary fraud (backdating documents) and plain outright lying. I have a foreclosure attorney now, but I am currently talking with another attorney regarding a class action suit. I need a few other people in Florida that have been unfairly treated by CitiMortgage, which seems to be everyone of you.

This won't cost you any money to be involved in this class action suit. We can only hope for the best. As a side bar, their recorded conversations by law have to be kept by the bank. Keep good notes on which you record the date time and whom you spoke with. I am not an attorney, just one pissed off consumer. If you are in Florida and would like to be involved in this action, please contact James at **. I will put you in contact with the attorney's that are going to handle this case on a contingency basis. I wish all of you luck against these ** and the mishandling of their fiduciary responsibilities.

Citi Mortgage refused to refinance - According to CitiMortgage, decision engines at Fannie Mae have taken the place of human judgment in determining who qualifies for a loan. Their denial of my loan makes me wonder who has the financial wherewithal to qualify. I know of two people with substantial assets who said they had simply given up on the process. God help those who really need a mortgage. I decided to take advantage of the low mortgage rates after receiving the third in a series of Express Mail packages inviting me to refinance my charming condominium in a renovated stagecoach inn in the heart of the Berkshires. I assumed refinancing my CitiMortgage would be a slam dunk. I had two other CitiMortgages and have never been late for a payment on any of them.

My income is about twice the amount of the loan I was requesting and my personal assets (in a brokerage account that bears Citi's name, but which I am told, Citi does not actually manage) are substantially more. My credit history is perfect. I am employed at the United Nations. But for three months, the excessive and escalating requests for documentation (that played out over the course of more than 40 emails and a half dozen phone calls) from Citibank made me feel like I was under a criminal investigation. To document a deposit of $5400 in my personal banking account, I had to write to my bank for a copy of the check from 6 months ago and get a letter from my sister explaining that it was for the repayment of a personal loan. Documentation of unusual deposits, I was told by Citi, is a requirement of Homeland Security.

To verify my employment, it was not enough that I provided monthly and annual pay stubs, as well as income tax records, that my name was listed on my agency's website and that CitiMortgages Retail Lending Channel had received verbal verification of my employment. While on vacation, I received a cell phone call from Citi informing me that my Human Resource contact had not filled out the 1005 form (which had been faxed on earlier occasions to the wrong office, as I was told by a colleague who was alarmed to see a form with my name and social security number lying around by the fax machine for anyone to see), and that I would thus have to extend my application window at a cost of $18 a day.

But this week, after a process that has entailed two appraisals, patient documentation from my condo treasurer, several phones calls with my lawyer for a title search and the time and attention of my human resources office, I was informed that the condo itself would not qualify for a loan (even though Citi already holds several mortgages on it). The reasons given to me are that one couple owned two of the nine units (which account for less than 20 percent of the residential square footage) and because we had not conducted a reserve study assessing the amount that should be in our reserve fund. Instead, as called for by our bylaws, we consistently keep a reserve fund equal to 3 months operating expenses and issue special assessments when extra expenses are incurred. The system has worked well since the building was converted to condominiums 25 years ago.

According to Don **, the supervisor at Citi's Retail Lending Channel, who agreed that I seemed to be a perfect candidate for a refinancing, the decision comes directly from Fannie Mae's decision engine and cannot be overruled by mere humans. That means, as far as I can tell, that none of the condos in my building have the possibility for getting mortgages and that thus, our investments in them, totaling close to $2 million, are, through the magic of the decision engine, are suddenly frozen since Fannie Mae is the guarantor of about 90 percent of all mortgages in this county (unless they could be sold to someone paying cash).

I am, of course, very frustrated by my own experience and by seeing the lower mortgage rates that were essentially dangled before my eyes, along with fees totaling close to $1,000 evaporate, I can't help but wonder if Citi is trying to get people to apply for mortgages to rack up more application fees, even when they have no intention of actually giving them the lower rates. But most of all, I am concerned about the millions of others out there, most of them with fewer resources than I, who have to go through the extremely frustrating refinancing process only to find out that some algorithm disqualifies them from taking advantage on what seems at first glance to be one bright spot in our rather grim economy.

So I'm in the process of buying a short sale home that has Citibank as a lender. Sadly, there is a second mortgage on the house, owned but New York City bank. Citibank approved out offer rather quickly which was great, but New York City bank is dragging their feet. Citibank has given 2 dates that have passed already, at which they wanted to close. New York bank has only had us sign 1 affidavit. Citi is upset that NY bank isn't moving fast enough. Both the buyers and sellers are ready to close, so we are all waiting on NY.

Well, now that the second closing date set by Citi has passed, Citi now says that the buyers will be charged $40 a day beyond the second closing date to keep the process going. And no matter what, the middle of April they will move to foreclosure. Someone somewhere tell me why a bank would put that sort of pressure on the buyer, when the buy has nothing to do with how long this is taking.

Do not give up! Citi and other lenders want you to give up, but don't! Keep a paper trail on who you speak with, time, date, what was said, etc. Tape the conversation. Yes, in some states, you do not have to notify the person that you are taping the conversation (check your state statute). However, Citi and any lender will tell you, they do not want to be taped, but they are taping you.

When speaking with their rep, keep it strictly business and professional. Do not fall for the "personal treatment" because they are taping the conversation, and if necessary, they will use this as evidence against you. They are not your friends. Call the Corporate Office; not the Customer Service number. You want to speak with someone in the CEO's Office. Yes, you will be dissuaded from talking to anyone there, but keep pushing and maintain your professionalism. I formerly worked in Corporate Communications for a Fortune 500 company and anytime someone called corporate, it was a high priority.

Involve your state attorneys' office, Congressional and Senate Office (Constituency Services) and the Office of the Currency, which regulates Citi! Do not trust anything Citi tells you. They are there to make a profit; not to help you. Keep copies of everything you send to them. Keep all documentation they send you. Anything not signed is not a legal document. Yes, they know this is true.

Keep sending your payments electronically, if possible, on time. These lenders will tell you to stop sending payments until a repayment can be worked out. Don't believe them! This is an attempt to show the judge that you have not attempted to make payments. If they return your payments, make a copy of the check/money order, redeposit the check and resend. Keep resending your payments, which shows you are attempting to pay your mortgage.

Eventually, their lawyers will file for foreclosure on your property. But, the action will stop, if you pay their fees. Don't do it. If you made attempts to pay your mortgage before the paperwork was filed, this is an illegal action (Something the lenders and attorneys hope you don't know). Also, you should take this proof to court. The judge will harshly "rebuke" the attorneys. Eventually, your lender will continue to call and leave messages to "please call me." Don't! You want everything in writing in a signed legal document. No, they will not do it. Also, keep a copy of all voice mails. Never erase anything.

If you decide to speak with your lender, make sure you have a witness listening to the conversation who can/will testify in court. Your lender experiences something called "self-induced amnesia" in which s/he cannot remember anything. How do I know this information? I recently experienced everything described, followed the above steps and noticed that Citi and their attorneys conducted illegal activities. Basically, they filed foreclosure on my property, took my payments but did not apply to the mortgage, and wanted to "make a deal" with me to reinstate my mortgage if I paid their attorneys' fees.

Yes, the attorney filed for foreclosure after I became current on my mortgage, very illegal. No, I refused to pay his or Citi's fees, and I responded to their foreclosure action, with proof of payments I made in which Citi held "in a special account." Magically, all of the fees were waived, and I will still appear in court. Yes, I am considering a lawsuit against the attorney and Citi for unethical behavior, and any additional charges.

My wife and I contacted CitiMortgage to refinance our home. Freddie Mac owns the loan and CitiMortgage services it. After having a lengthy relationship with them and never being late, not even once, we were denied a refinance. Reason: We live in a manufactured home. A very well constructed, on the expensive end, beautiful manufactured home.

When we initiated the refinance application there was no disclosure made concerning the style of our home. But now they say, even though they already have us a customer, that no, they will not refinance us. Our credit in this case is not important. If we can afford to pay $1,050.00 with twenty-two years more to go, we can afford to pay $950.00 with a new fifteen year note. But they'd rather keep us longer and make more money off of us.

We're battling now to recoup the fees already paid to them to start the refinance process. Certain employees (not all) lied and used deception. Then they stop returning calls and emails. It's long from over, complaints to HUD, the FTC and the state banking commission will follow. It is stressful 100%. Yet, they received taxpayer bailout money from the government. Now we're going to see if we have to sue to get back the mere $420.50 we paid out or as usual will it be a loss.

No fairness with this ruthless holier than thou company. It's really not the four hundred and some odd dollars, but the principal and the integrity, which this company lacks. But not going to do (not going to do it), allow these corporations to dictate now "what they want" in lieu of satisfying customers. Someone, somewhere, somehow has to care, you would think.

I have been a customer for seven years and am never late on payment, and have paid additional dollars to principal. My November tax pay was paid in December on the same day by both Citi and me. I called and let them know I paid my taxes. I forwarded info to them regarding proof of payment, and requested refund from Cook County.

The refund was sent to me approximately $1300. I called in early February to ask who I should send the refund dollars to, and learned they paid my next tax pay that was not due until March. I went online and paid my March taxes, therefore the money that Citi forwarded was not applied to my account. Citi is claiming I owe them for both tax pays, and have not applied my February and March mortgage pays to principal and interest. I have been given incorrect info through the call center, and with the escalation department who also seems to be getting nowhere. I have forwarded documents showing proof of pay, etc. I am exasperated.

My husband and I lost our jobs in 2008 due to the economy, but we were able to maintain our payment and kept a credit score in the 800's until we made our last house payment in 2012. When we finally reached our breaking point, we reached out to Citi for like the 5th time in 4 years and were turned down each time. We tried on many occasions to work with Citi Mortgage on our home modification loan and Citi always denied us. Finally, May 2012, we were pre-approved for Government Loan Mod and was told it would cut our payment in half. After 6 months of hell faxing, calling and mailing the same documents over and over to Citi, because Citi stated they did not get certain documents or did not get our call! I even certified mailed or sent them via UPS for a required signature.

Citi finally gave us a whopping $200 off of our mortgage payment. We told Citi, with one income less than poverty level at this point, there was no way we could make that payment. We also asked how and why only $200. We could not get a good answer! Citi Mortgage denied us the opportunity to work with them and to keep our home of 12 years. We never missed a payment and had never been late! I also believe we were mistreated on many levels - race! They only help their own kind! I have proof of all this! To make matters worse, I've paid my CitiCard bill off monthly, never leaving a balance for 5+ years and one day, CitiCard lowered my credit limit without good cause.

That was my breaking point with Citi Mortgage and their credit card. Citi refused to help us in a time when millions of people are losing their homes. I'm seeking an attorney against Citi because I truly believe Citi had no intentions from the beginning to work with us and denied us the same opportunity as others. I've superior record keeping of all correspondence with Citi. Citi only benefits Citi and not the consumer! I do not recommend Citi Mortgage or CitiCard!

We had our first loan with ABN Amro which was bought out by CitiNightmare. My husband and I both were laid off in '08 due to the economy. We contacted Citi and asked for help. They said to skip a few payments to get a loan mod. We did the mod, sent in our payments via Western Union for months then they declined us because I found a job and my husband had not even though he was getting unemployment and we were making payments. So they started foreclosure. We filed bankruptcy to stop it. Well, needless to say, they wouldn't work with us after the bankruptcy. They wouldn't even talk to us about the account.

I've now received papers from their attorney stating foreclosure is starting again and they will work with us. What? Work with us now? Yeah, right. I've spent months faxing paperwork even after my husband started working again. I was begging them for help and spending time on the phone from one dept to the next. They were telling lies and misinformation. I would not recommend this company to anyone. Don't refi with them. They are thieves and don't care. My husband and I both are hard working and lost everything. Thanks, CitiNightmare.

CitiMortgage, Inc. illegally closed two modifications, adding $11k to what I owe and forcing me to accept a third modification that favored them 100%. I was in complete compliance with both the first two modifications. Because I am deaf, I cannot deal on phone (only way they would).

Citibank offered me a refinance at 4.5%. I called because I had questions on the term of the loan. Three weeks later when my call was returned, I was told that Citibank would no longer offer me the loan at that rate and that they had made a mistake. They offered me a refinance at a higher rate with more fees.

Citi Mortgage declined to provide any information on my mortgage insisting that my name was not on the account. On numerous occasions, the representative stated that I was not responsible for the loan. This occurred over a period of approximately 2-1/2 years. The loan is now past due and Citi Mortgage added my name.

I requested documentation of past events and and explanation and was told that the recordings were the property of Citi. I feel that I am entitled to a copy of all the documentation leading to the current situation.

I just paid off my mortgage, and noted on the last bill I had paid, that the first half of my property taxes had been paid by Citibank on 1/29/12. The last day for payment to reach the county was 2/12/12. The following day, I got a notice from the receiver of taxes that my property taxes had never been paid. I called Citibank, and was told it would take three weeks to research it. I spoke to the receiver of taxes, after I sent them a copy of the mortgage statement, and was told there had been more than enough money in the escrow account to pay the taxes, and the statement does show Citibank paid them, but obviously they did not. I now have to wait until someone figures this out. I am so glad I will never have to deal with Citibank again, after this. When you put your trust in a bank to pay all your expenses, and you are giving them a fortune each month, you would hope they would pay your bills.

I just lost my home to foreclosure. I started to fall behind in January 2011. In March, I spoke to someone at CitiMortgage and gave them all my info for my checking account. On the 25th, they would take the money out of my account, thus, making my current on my mortgage. In April, I was served with foreclosure papers and the money was back in my checking. I was shocked. That same day, I received a letter in the mail from what I thought was the HUD program. I called and talked to them told them what had happened and they said they could help me with Citi. I then started the paperwork for the loan modification. These people (The American Law Centers) not HUD, had all the right paperwork not to make me think differently.

In June, they asked for $1789.50 for my new payments that were to start in August. I even had what I thought was the new proposal for my loan. Fast forward to November, now the underwriter for Citi needed info and I had a new specialist. This time Citi needed my son's birth certificate, which I gave along with more of the same info. On December 1, a family friend came over and asked if everything was okay. The sheriff's sale was set for the 14 of that month. I was not able to get a hold of my specialist so I called that group who then called back. This time he asked for the foreclosure attorney, calling me back telling me as long as the underwriter had my papers the sale was stopped. This was the 6th.

On the 13th, I received an e-mail from my specialist telling me she needed to talk to me right away. It seems that the underwriter still needed copies of my info (including my son's birth certificate) and that the sale was still on. The group helping me fell of the face of the earth and now I was really losing my home. I was just sick. I quickly sent the paperwork (same stuff) again. I called the real HUD and they took my info and again tried to get the sale stopped. Too late, the sale still went on (Citi said FreddieMac didn't want to postpone it). I called my local congressman, told them my story and they tried to help me. I got a new review with a new specialist. The other one wouldn't even return my calls or e-mail. I was now headed into the redemption sale. (I didn't even know I was in redemption). This sale was set for February 1, 2012.

On the 19th, I was turned down again. I lost my battle. This was a farmette and I found someone who took every animal so they would stay together. We didn't have a place to go and we were not even been told by Citi how long we had to get out. We found a place to go and got out what we could before the first, leaving behind a lot of our things. The sale took place. The judge didn't even tell my husband how long we had to get out. I wrote him a letter asking for time to get everything out. He told my husband that he got my letter and did a lawyer get a hold of me . Not. I hope CitiMortgage is happy what they are doing to the American people.

Now, this money that is to be given to people who lost their homes, great. Good for them. $2,000 sure would be nice but not for us. FreddieMac was our investor. I was even told by the new Citi specialist that he had to look for all my papers. CitiMortgage wouldn't even tell me why they wanted my son's certificate. Everyone I talked to asked why. They never heard of a lender needing birth certificates from anyone. I sent 321 copies to CitiMortgage at $1.50 a copy and they were mostly copies of copies. CitiMortgage in my eyes is just as guilty as the people that scammed me and they didn't even care. I don't even believe the underwriter really looked at my case at all. CitiMortgage, just remember what comes around goes around.

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?