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!


