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.

Now they say they can do anything to help. I have you appraisal report where you said everything ok in the homes. Holes were improperly builded. Give CitiMortgage three inspection report tell CitiMortgage from beginning of builded in the appraisal reports in a spot they said any problems with the property list you Comments. Here the appraiser have no comment but say foundation in good conditions and good for the loan to go through. I am a first time home buyer and the builder and CitiMortgage took me for a big ride plus took government money by being a first time home buyer. I going lose my house one way or the other. I don’t have the 70,000 dollars to fix the home and pay CitiMortgage or ok paying CitiMortgage and the home sink into the ground. 6 years of fighting about this home. Loss for words.

The buyer is now becoming 'worried' and we might lose the sale of our home due to CitiMortgage dragging out what seems to be an easy fix. We are also incurring all kinds of expense due to having our belonging in storage and living in an empty home because we thought we were moving and we will most likely lose the house we were supposed to buy with the proceeds of our home sale!!! DO NOT EVEN CONSIDER CITIMORTGAGE as a LENDER or you might end up being held HOSTAGE by their incompetence in the future!!!

The second problem was in 2017 the company stop mailing me statements (it's the voucher you receive each month stating how the funds were applied to the account and the amount received each month) which did not make sense. They continue to cash my checks without providing me with a statement. I call them and they stated I would need to request a statement. Why would I need to request a billing envelope and coupon if you have had my loan for 10 plus years? I am very unhappy with this company would not recommend this company to anyone. They’re just as bad as Wells Fargo. Customer are the reason you’re (CitiMortage) in busy.

I told him I would go with my own realtor, but he kept insisting that I use his friend Aricides ** since he was the only who had knowledge about houses and zip codes that would qualify me for Citibank program "Homerun" where they promise low down payment, no points, and no PMI. I told him that this was a red flag for me that's I would not continue. Also, I have a score of 820 with no credit card debt and still my interest was being quoted at 4.625 and APR of 4.92** and with 5% down even though I had at least %10, anyway stay clear of him and perhaps CitiBank. I believe what he was doing is illegal, don't have the time to find out. Stay clear of doing business with him.

Now, my home is in foreclosure action with Cuyahoga County Municipal Court for Civil Foreclosure Case **. I called the Cleveland Court System to verify and get a copy of the summons stating, no payments have been made in months. The CitiMortgage Foreign Representative stated, "All I can do is launch an investigation." Meanwhile, my home goes into FALSE FORECLOSURE. Looking for immediate assistance, And if not possible, looking for a Counter Lawsuit with Unwarranted Medical Expense Damage for constant vomiting and Lawyer Fee Compensation. Contact Tina ** and Mike ** at ** or **. Again, CitiMortgage's own data is in complete contradiction of itself on the CitiMortgage Website compared to the CitiMortgage Foreign Representative.

I will be homeless due to no family or friends if I cannot stop the foreclosure. The Cleveland Shelters have a waiting list. I will be on the streets living. Both my husband and I reside "live" on the property. My husband is and has been employed. On top of this, we made a payment on May 10, 2018, that has still not been credited to our web account or charged/cashed to our PNC account. The CitiMortgage also stated, "we have no acknowledgment of you or your husband calling about being concerned about your account." "We have no phone records of you calling making payment arrangements over the phone either." "We have no payments from last week in May 2018 either, according to our database." My husband called and mailed payment to CitiMortgage by USPS.

Updated on 06/06/2018: I compared "MY MORTGAGE" data section for (1) Last Paid Amount field, (2) Last Paid Date field and (3) Next Payment Due Date. All information is incorrect. On June 1, 2018, the web data stated, "Next Payment Due Date 11/01/2017." Again, in 2018, it states that our next payment due date is 11/01/2017. Wouldn't it be June/01/2018??? I want to inform the public that there is no way you, as a consumer could possibly manage your mortgage effectively when the company doesn't even know what year or month it is. Why is this acceptable to consumers?

Finally I have a specialist that sounds positive and knows what is going on? Just then a letter was sent to me saying they have all the documents necessary. No need for anything further! I was relieved. But then she started asking for the same redundant documents that I had sent numerous Times!! I had no choice but to hire an attorney that I can’t afford. I have been putting my health on hold to deal with these lying idiots! A WORD OF ADVICE. NEVER DEAL WITH THIS COMPANY! ❌❌‼️ THEY ARE FRAUDS‼️

After the lease was up a month later the house stayed empty; the bank did could board the house up. Since then my husband has submitted paperwork every other week sometimes the same documents over and over and with them telling him that our taxes were done wrong and that we need to redo them. At least twice a month he gets a paper in the mail saying he has been reassigned to a new person. It has gotten so bad that he got in the mail an appraisal for somebody else house in the mail with all their information on it. Every month he has been submitting his LES to keep the paperwork current so it doesn't "expire" and have to start again.

Now a year plus later it finally gets to the underwriter and underwriter is asking him for the same documents he filled out to start the process. Of course, you can never talk to anybody. You have to email them, set up a phone call, and then wait for them to call you. He never even got phone call or email response back when he notified them that he received an appraisal for some other person's home. For the last year he has been making payments keeping it current. This is on top of the rent we pay for where we are stationed now.

It is getting frustrating just mentally for him to relive his friend's death every time he gets a piece a paper in the mail with both their names on it and financially for us it takes a whole paycheck to pay the mortgage and rent. This is by far the worst mortgage company ever. Both of us have owned homes with other mortgage companies and have sold them and never experienced anything like this. And to top it all off since the house has been sitting so long empty and we are not there to be able to check on it, we got a phone call today from the neighbor that it had been broken into and the fence had been destroyed.

Citi is looking to send the appraiser for 500 dollars and they know damn well they had no intentions of giving me that loan. This is a disgrace. NOBODY CALLS YOU BACK BUT THE APPRAISER. WHAT A SCAM. STAY FAR AWAY. Went elsewhere and all was done in two hours. Save your money. All they care is about a survey. Me and wife have great credit and with Citibank 20 years. No more.

Fortunately for me, when you commit fraud on the record - it is much more difficult to get away with the crime or to claim plausible deniability. CitiMortgage operates as a criminal enterprise - therefore it is a criminal enterprise. Because of ongoing litigation and the fear of retribution I am unable to become a verified buyer - but I honorably promise I have had a mortgage with CitiMortgage for over a decade and it has been the most horrible decade of my life.

On August 27th, I checked my mother's PO box and found past due notices from CitiMortgage. I called CitiMortgage on August 28th but they refused to give me any information because I was not an authorized user. Said I had to submit her death certificate and proof that I was her representative. This can only be done via mail. I mailed the requested information that day and waited for contact. I called CitiMortgage on October 1th and they still refused to give me information. Said they never received proof of death or that I was her representative. Mailed again on October 12th but this time via UPS so I would have evidence that they received.

I called CitiMortgage on October 26th and they will finally talk to me. Told me that, yes they had received the funds, but they didn't apply because they needed authorization to apply from me. My argument was how was I to know that since they wouldn't talk to me and the funds were clearly intended to be a payoff. Two hours later and several transfers back and forth between people that I'd already talked to, a customer service representative told me to send a copy of the June 30th payoff statement and the requested authorization to apply to the account. This was faxed on October 30th and I have confirmation of fax.

On November 9th the insurance section called and said that I still owed $1100. Keep in mind that this $1100 is late fees and interest on the account that they didn't apply the payment to and wouldn't give me information about. I reiterated that I didn't feel like I owed this money since insurance paid on June 30th. She transferred me to Bobbie, an account supervisor. Bobbie seemed very understanding, said she would send the file to the Client Advocacy Section and she would call me back. I later found out that CitiMortgage transferred the account to Mr Cooper on November 16th. On December 8th I received a letter from Mr Cooper that I owed $3500. How is this when a few weeks earlier it was $1100 in penalties and late fees. Well, it's because CitiMortgage still had not applied the insurance and sent the mortgage to Mr Cooper instead, whose automated message says that they are a debt collection agency.

No return call from Bobbie so called her back on December 13th. She was offline (meaning not there) but an email was sent to her by the representative to have her call me.

I received a phone call from Bobbie on December 14th to tell me still no word from Client Advocacy so she was escalating to her supervisor and if she didn't get an answer she would escalate to Executive Supervisor. Said she would call me back on December 15th. No phone call so I attempted to call her today (December 19th) but was told she was offline (not at work) so spoke to someone else. This person is right back to where I was in October and said I would need to handle with Mr Cooper. She is the one that told me that the mortgage was sent to Mr Cooper on 11/16/17, the period that Bobbie and Client Advocacy was supposed to be working to resolve. Is this their resolution, passing the mortgage on to another company when they were supposed to be working with me?

Oh, and during all this time, CitiMortgage paid $1176 hazard insurance from escrow for a property that doesn't even exist. I am at my wit's end. The employees at CitiMortgage have been so unhelpful while they continue to tack on fees and threaten foreclosure. At this point I feel like that is exactly what they want, to foreclose on a property that should've been paid off in June. I'm now reaching out to anyone and everyone that I can think of to make my situation know, including my State and US representatives. CitiMortgage was ordered to pay over $28 million in fines earlier this year for unfair foreclosure practices. Obviously the fine meant nothing to them since they continue to give the runaround when under threat of foreclosure, and this property should be paid in full so it shouldn't even be under threat in the first place.

I am going to the media with this in hopes that horrible staff you have will not put anyone else thru this horrible experience. You should be ashamed of your actions. I will get the word out on how horribly your line of credit department treated us. You never bothered to apologize or return a call. Terribly unprofessional!!! Disappointment to the human race!!!

Even after I was told the loan was accepted Citi continued with the foreclosure process. I came home from work one day less than a month after making my first payment on the remodification loan to find a eviction notice on my door and that my home had been sold at auction. I lost everything and as a single mother had to struggle and move into unsafe neighborhoods to take care of my child. CitiMortgage is a fraudulent corporation that preys on hard working people.

I called CITI about being reported late 5 times and was told by the loan specialist I spoke to that I had once again been assigned to a new loan specialist and that she would send a note to my new Specialist asking for her to call me. That was 3 months and I have not heard a word from CITI. I was also told that she could not tell me what credit companies CITI had reported me to and that it was my responsibility to send for credit reports and let CITI know who they had reported me to. I thought the Loan Specialist was there to help me. Even though I was reported as being 30 days late, I was never charged a late fee. That shows me their reporting me as 30 days late was a mistake, but a mistake they refuse to correct so I can obtain a refinance from another company.