CitiMortgage

Frustrating and madding! They hold less than 1/4 of our equity. Yet they want protection. We make moment payments with high interest yet, they hold onto more than half the amount we owe them in escrow and are not paying interest on the funds they are most likely making money on. They talk down to us as if we are children with scripted responses. Never ever get any loan from them!

Calls to Citimortage are pointless as their records do not go back that far - but they can tell us that the only loan they have a record of is the one we know about and paid off. They have nothing on the one which has a lien on our house. We couldn’t even pay $30,000 to get this lien off our house if we wanted to!!! Our credit reports don’t show this loan of ever having existed either.

Records for 2007 are with a company called Vertugo and they only have a fax number or mailing address. Many faxes have been sent and not a single response. Here’s the kicker.... We decide to inquire with the lawyer who is listed as the trustee to both loans (legit and fraudulent) and he tells us he never consented to this and has sued CitiMortgage for using his name on many many other fraudulent documents....and won (which we verified to be true). So we can’t even sell our house and we can’t even find anyone to give us a letter of satisfaction to move on!!! What a horrible company. They shattered our dream of building a new home and leave us trapped in our home as well.

At this time CitiMortgage put a balloon payment at the end of the terms of the loan. In October she was told she owed $9,053.00. She’s a senior living on a budget with CKD, she doesn’t have that kind of money and neither do I. The people there have no idea what they’re doing. They told her about a hardship loan and was told to keep making her payments and to send in the information they needed which she did. They wouldn’t cash the checks and sent them back, and every time she sent in what they required there was something else she needed. She’d send that and lo and behold there was something else she needed to send.

This went on two months until Without notice they closed her loan and send it to a place called Cenlar. She explained the situation to them and they told her to send them a packet of info like utilities statements, paystubs, etc. She did that and they’re starting the play the same games as she just got a letter stating they needed MORE info!! It’s all a game to them. I really don’t know what to do right now and we’re trying to get a loan from our bank to pay it. Mind you my mom wasn’t behind on payments, this was. Balloon payment added to the loan without her knowledge or she wouldn’t have signed it!! Please stay far away from this company. They’re horrible and really unscrupulous!!

Again, I was one month late during this period, paying a late fee on top of all. I informed not to call my place of business and blocked all their calls coming to my home, (sometimes 3 to 4 calls in a day). You can not make a payment online, so you have to deal with their customer service. Currently I am making monthly payments of $1,800, of which $800.00 is interest, at 5.5%. I owe $175,000. So you can get an idea of what this loan actually will cost. I now have the funds to pay this off. THE ABSOLUTE WORST BANK I HAVE EVER DEALT WITH, PERIOD..STAY AWAY FROM CITIBANK... P.S. Citi also sent me a letter stated they will have send someone out to see if I still live at the address, and there will be a fee for this service...

The most recent rep I spoke to today, (Jason ID#**), is now giving me a new excuse as to why they still can't help. This rep is by far, the worst out of all I have contacted. He was extremely rude, talked over me the entire call and even had the audacity to tell me, after asking to speak to a supervisor or someone who knows what they're doing, (he clearly doesn't know what he's doing), "I'm telling you what you need to do and now you're going to wait on hold while I get a supervisor". He cut me off and placed me on hold for 10 mins. He came back on and said there's no supervisors available and back on hold. Phone call was 33 mins long and nothing was done.

CitiMortgage is doing everything they can, to not help, in hopes they can foreclose on my deceased mother's home. They are the most shady company I've ever dealt with in my life. I can't get ** customer service and not once has there been an available supervisor to speak to. Jason also informed me that he's been there for years and the supervisor would tell me the same thing and was trying to find a way to end the call. I would steer clear of doing any business with this company and its reps. Terrible company.