CitiMortgage

I have been in my home for 18 years, during that time CitiMortgage purchased my loan in 2006 which has been a pain in the butt. The first problem was when I switch insurance companies and I received a reimbursement check. Once I mailed the check into CitiMortgage the fund was applied to my late fees which should went to the escrow account which made my house payment go up additional $350 something I could not afford. I call CitiMortgage several times stating there had been a mistake and was told they can apply my money any way they want to.

I was processing a home mortgage with less than 20% down. So I attended a mandatory 1st time home buyers workshop for general information about getting a loan. There I met a CitiBank lender, Sandy ** , NMLS ID: **, (Aka Sandolio **) that a after a very brief talk, mostly pushing his Citibank loans programs, encourage some of us to apply with Citi (he interviewed everyone in that room about income, debts and assets). To make the story short, So I applied, got a pre qual and approval. The problem started later when he referred me to his friend a Realtor, Aricides **.

I refinanced my original 30 year mortgage to a 15 year mortgage in 2003. I paid it off early last year. During the entire length of the mortgage I had no problems whatsoever. I experienced hail damage to my roof at one point and my insurance company and I had to deal with CitiMortgage for the insurance payments. They were very eager to help and everything went smoothly. I recommend CitiMortgage 100%.

I have had my mortgage with Citi for 12 years. It wasn't the originator. Citi purchased the mortgage. For, probably, the first 7 years, or so, the company was a bloody nightmare. Of late, however, they seem to have gotten their act together. Of course, all I ever do is send them a monthly check. It seems, these days, to be sufficient. But before they settled down, they were extremely aggressive, and very obnoxious.

Received foreclosure papers for the week of May 7, 2018, but CitiMortgage Website Account and PNC Personal Bank Account verifies payments indeed have been "received, accepted, withdrawal and cashed" for home loan ** by CitiMortgage. I called CitiMortgage in the morning of 5/15/2018 to the phone 866-272-4749. According to the CitiMortgage Foreign Representative, "no payments have been accepted, cashed or documented in database" since November 2017. Again, the CitiMortgage Foreign Representative stated, "No payments have been received for loan ** for over 7 months." I verified and validated loan data account numbers with the rep. I verified loan account on CitiMortgage's website. Their own data contradicts itself. See attached file for clear proof of FRAUD.

Sadly I’ve been with Citi mortgage way too long. I don’t know how I ended up with these crooks. I had ABN Amro and they were bought out by Citi without notification!! My frustration with Citi I had two major crisis in my life that left me with no other than to request a modification. I was diagnosed with a disabling progressive aggressive Multiple Sclerosis, following this my husband suddenly died at the age of 39. With all this going on I requested a modification. I was deemed unemployable and had to take a early retirement and Social Security. To make things even worse is I had 8 different specialist. My paperwork was being passed around to all these different homeowner specialist and LOST.

Where to begin with this company. My husband owns a house with his friend; over a year go my husband's friend passed away. The house had been a rental a property at that point as they were both in the military and stationed elsewhere since they bought the house. When he passed away one of the things Citi told my husband that it would be easier if the house was empty then as soon as everything was approved for the bank to take possession of the house they wouldn't have to wait for the lease to be up.

Applied for a mortgage with CitiMortgage and was honest in that I needed to apply with the Freddie and Fannie new guidelines of "Excluding Debts Paid by others if you can show 12 month bank statements". The loan representative said (1) my loan documents were not clear, so I resend them. (2) I would need to put 20% down instead of 10% and I said ok. (3) The new guidelines can only be used if the other person was a co-signer so I sent her the Freddie and Fannie new stipulation in writing saying that was not correct and finally (4) The manager had me send 12 months of canceled checks and bank statements matching bills paid - which I did! Finally, they told me they don't follow Freddie and Fannie! What a waste of time and how unprofessional. I am so glad I applied to two other banks of which I was approved. People stay far away from this place - no wonder they were sued. Scam artists FRAUD!!!

I was interested in refinance with Citibank. The loan officer was pleasant and we went over the needed information about the loan and I faxed all paperwork that was needed that day. WELL PLEASE READ THIS AND OTHER REVIEWS. I could not get the loan officer to respond to any emails or phone calls at all. I checked the website and says loan in process and every morning I would receive an email at 1:37 am that your documents are no longer available. Then I get a call from the appraiser. REALLY. I could not confirm if they received the papers I faxed. I called a manager which never called and a personal processor called me that could not answer a simple question and told me they need the paperwork and to call my loan officer that still has not responded.

I was a faithful customer with CitiMortgage. I paid off my mortgage five years earlier than my contract. On my last payment, Citi decided to sale my mortgage to another company. Instead of switching, I paid my mortgage off before the due date. It has now at the point where Citi is doing everything in their power to keep my escrow refund. They’ve “stooped” so low that they claimed that they already sent it and it was cashed already. Of course they are buying more time for you to fill out forms so that they can hold my money even longer. They sent a copy of the check and the signature (which appear to be different checks, with different numbers). No one at Citi can explain why the back of the check does not correspond to the front. However, they want to fill out a series of forms in order to prolong the period in which a very wealthy company like Citi can continue to hold on to the money of a customer. NEVER AGAIN!

In order to prevail in a court of law, CitiMortgage and their local attorneys committed fraud on the court by altering a sworn affidavit and adding a forged endorsement onto a fabricated note. I am in the process of suing the attorney who forged the affidavit and discussing the matter with the FBI who believes there is sufficient evidence of fraud to charge the attorney who participated in this fraud and forgery (prison and disbarment). CitiMortgage is aware that the attorney committed fraud but has not taken action. CitiMortgage has grown brazen with the belief that they can engage in fraud with impunity - that the courts will look the other way.

My mother passed away on May 27, 2017 from injuries received in a home fire that destroyed her home which is financed by CitiMortgage. I filed a claim for her homeowners insurance the first business day after her death to avoid late payment and threat of foreclosure, exactly what is now occurring even though insurance paid the account in full back in June 2017. In mid June, the insurance adjuster requested payoff statement as of June 30th. Payoff statement was requested twice and received by insurance company on June 18, 3017. I received a letter from the insurance company on June 19, 2017 that payment had been made to CitiMortgage. Citimortgage later confirmed that they received on June 29th and deposited on June 30th.

Horrible experience when our note came due. Was treated like a child from incompetent rude people. Made me jump thru hoops to gather tons of info just to be jerks and unsympathetic to my situation. We were always on time for payments. My husband lost his job and I became a caregiver for my parents. They rudely told me to get out and get a job and do a short sale on my home. All we wanted was a temporary reduction in our 2715.00 monthly payment to get on our feet. Made us feel like we were idiots! They have no compassion for anyone and didn’t even try to help in any way. The most horrible act that committed was all the time and calls they made me go thru before totally rejecting any help for us.

I was only a total of $180 behind and had been making my regular payments with additional to catch up what I was behind. It was when Citi electronically cashed a check for more that it was written for. My bank reversed the charges and only credited them for the amount of the check that I provided from my duplicate carbon copy. After that Citi refused any additional payments and started me in the foreclosure process. I had tried several times to have a modification loan and it was delayed saying that more paperwork was needed or that they didnt receive paperwork sent.

In 2013, because of serious health problems, I was advised by my Dr. not to drive or work. At age 67 I applied for Social Security and applied to CitiMortgage for a loan modification to reduce my payments. That was over 4 years ago. 5 times after I submitted all the paperwork they asked for, I was ask to resubmit many of the documents by 5 different so called loan specialist. I never did get a loan modification and during the last year I was reported to the various credit companies that I have been 30 days late on my loan. This has caused me not to be able to obtain a refinance with any company because of low credit scores now.

Mortgage sold out to Mr. Cooper? They simply sold/transferred my mortgage to another mortgage company. We have no say. What is the rating or quality of that mortgage company. That is how we get a mortgage crisis and lose our hard earned equity.

I tried 3 times over 2 years to get my loan modified and every time they denied me for something different. I have an Android phone and looked for an app to make it easier. There was one that was free called Loan Mod Guru or Jeanie, can't remember which, but it gave the formula the banks use to qualify homeowners. I didn't even know there was a formula.

I used CitiMortgage twice in the past 15 years. They were easy to work with. Their website is good. I never had a problem with automatic withdrawals. Rates seemed to be competitive. I lived in Arizona at the time.

The most important thing is the time it takes to complete the loan process and what is necessary to do so. The application at CitiMortgage was quick and easy with associates being able to provide me with the guidance I needed along the way.

Offered a home modification options under HARP. Denied it after two month then tell me I did not qualify. Why tell me that and then resend it. Took it upon themself to send me out a modification that had me paying more than I was originally. I never signed papers. If I apply for modification that mean I needed help paying the original payment so why would I want to pay more. Sold to another company and have them thinking the same. I haven't been able to get it straight. Tell you they have specialist to work with you who ask you for the same information within days apart. Took it upon themself to pay my Property taxes and Insurance. I have always paid those separate outside of my mortgage. Mortgage pay is currently around 1900.00 according to them.

It was slow throughout the loan process. Loan officer overwhelmed with too many files, does not respond, outsource to coordinator. Overall, poor experience with CitiMortgage.

We refinanced with CITI twice. The whole process was fast, easy and all done via computer except when we had to sign. Representatives were very informative and patient. Always kept us informed as to where we were in the process and the timeline for the rest.

I have been waiting over three months to receive a check for flood damage to my home in San Diego that was issued by my insurance company and had nothing to do with them. They consistently did not have their ** together and were very disrespectful and constantly talked over me. Very dissatisfied with the experience.

I have a HELOC with them and have been a paying customer for the past 10 years on time. I called the mortgage dept to inquire about a settlement and loan modification because the company I was working for closed their doors. They asked me to send some documents and I did. Then all hell breaks loose! They have assigned me to at least 8 different people. They will never return your calls like they claim. My blood pressure went so high and no matter who you talk to, it's the same answer which "I will call you back!" They ran my credit so many times that my score went from 860 to 710. We NEED TO FILE A SUIT against these people. Worst Bank in the world!

I have had my home mortgage with Citi Mortgage for years with no issues. I just found out with only 10 days notice that they have sold my loan to Nationstar Mtg. in Dallas TX (who is changing its name to Mr. Cooper LLC) because of all of the complaints against them. I called Citi Mortgage to complain and they said it's their right and nothing can be done. Citi Mortgage is selling loans to a company with thousands of complaints of fraud and mis-handling of customer payments. I did my research and Nationstar has a 98% disapproval rating and has ruined the credit of thousands of consumers. They do not disburse escrow payments and your home insurance drops you for non payment, people have tax liens against their homes because Nationstar does not pay your property taxes even though you pay them.

I am so frustrated with CitiMortgage. I have spent probably 12 hours talking to various supervisors at Customer Service. They constantly talk over me and treat me like I'm nothing. It's my final payment on my house. I have been with them and have a perfect track record. I was told from an individual that my payment was due end of May. I told him, "Are you sure?" and I said, "This is great because I've been in the hospital for 7 months." Why they close my automatic payment is beyond me. Why they need a check for the final payment is. I have contacted them and sat on the phone and been told and argued with over that last payment date. I talked to an individual like I said that was telling me "end of May." They refuse to go back and listen to that phone call. They tell me there's nothing they can do. They taxed a 60-day late on my credit bureau.

Do not get HELOC [home equity line of credit]. We were on autopay, and after them withdrawing the last payment of almost 10 grand, little did we know that we still owed some 300 bucks in fees. It took a couple of months for us to realize it, but paid asap. Now it has been about 6 months, and we thought that we were all good, and we have not received any bills from Citibank, but upon checking our credit history, Citibank has reported us as more than 6 months delinquent. While they show our balance as zero, but this is lowering our credit score. Maybe we can sue them for the damages.

After my husband and I refinanced our mortgage from 30 to 15 years, our mortgage was sold to CitiMortgage. We paid our mortgage monthly-- plus a little additional on the principal-- without fail, for 15 years. Our last payment was due on 6/1/17 and we sat down together to pay it online only to find that CitiMortgage would not let us do that. We called customer service where we were told we had to pay an additional fee for our mortgage payoff. We agreed to pay that fee (not happily) and were told payment could not be accepted over the phone, that we had to mail a check. We were forced to mail the check FedEx to make our 6/1 deadline. Fedex notified us the check was delivered on 6/1.

I wanted to give it "Zero" stars, but I had to select 1-5, so that's the only reason for one star. Home flooded in August 2016 in South Louisiana. CitiMortgage gladly took my insurance check. Went through hell to have our home repaired dealing with crooked contractor. We had a 100% completion inspection on 4/13. It was usually an ordeal to get a draw from CitiMorgage. For final draw we had to jump through their hoops and have forms notarized at our expense. They received all forms on 5/11. No check arrived. I called on 5/26 and was told that they sold my account and the new mortgage company would take over 6/7. This still gave them time to send me my own money. But, CitiMortgage said they wouldn't and I would have to take it up with the new mortgage company.

CitiMortgage took over my original mortgage. Not only did CitiMortgage "fail" to have me sign new papers with them, they secretly changed my initial mortgage plan agreement. For example with my original mortgage company I could pay my mortgage payment online and not be charged for online processing. Additionally I had up to midnight of the 15th of each month to pay my mortgage - nonlate penalties. CitiMortgage denied all of that.