CitiMortgage

CitiBank was happy to take my $685 for "upfront fees" but my loan officer Eric ** never replied to my calls or emails after they got this payment. Seems like a scam. They would not respond, either Eric or the loan processor Avis **.

I want to echo the experiences that several others have posted here regarding the refinance process with Citi Mortgage. I applied for a refinance of our 30-year home loan in October of 2020 to take advantage of a promotion offered at the time to reduce our closing costs by $1000. They were able to take our information quickly and lock in a lower rate. We were told we would be able to close in approximately 30 days. We waited patiently for 6 months to get our loan finalized. During that time, we were asked to submit our most recent paystubs multiple times. Our credit was pulled a second time because the first report expired after 90 days. The status of our application was always "Your Loan Application Status: Credit & Income Approved" and that they were waiting for underwriting to finish. It was nearly impossible to reach a loan representative to get an update.

Citibank is delayed by 7+ months processing home loans; Keeping sellers trapped in the homes they need to sell, preventing buyers from owning a home, and destroying the livelihood of the agents involved with the sales that depend on the commissions to earn a living. I'm an agent in Queens, NY and two of my deals have been severely delayed by Citibank's underwriting department that is apparently unable to review and approve or deny home loans. They are keeping everyone in limbo while trying to play catch-up, still taking on new applications, and deals are starting to fall apart over this. I'm hearing the same from multiple agents with other real estate companies. DO NOT ACCEPT AN OFFER FROM A BUYER USING CITIBANK! ***IF YOU ARE A BUYER, CITIBANK IS WHERE DREAMS OF HOMEOWNERSHIP GO TO DIE!!!

I applied and was approved for a refinance to lower my interest rate in October, 2020. It it now the middle of June, 2021 and still no closing date. I continue to get calls and emails that documents have expired and I must submit XYZ by a certain date. Ok... I’ve sent those 5 times. I’ve had the same job for 17 years, same house over 20. They’ve had to pull my credit report twice, due to the length of time, it’s expired. The second time was in Feb. I’m sure it’s due to expire again soon. My daughter bought a house and start to finish, closed in 30 days. I’ll celebrate an anniversary with Citibank if we make this last all summer. What a joke... I can’t even get an answer back from anyone about a refund of the $1k prepaid closing costs I gave them in November to just move on with a different lender. Never again. Use anyone else, literally ANY OTHER BANK!!

A simple refi to lower interest rate started in early January and still lingers. The customer service was less than 1 star. We had an existing gold star relationship with CITI and escalated several times with zero progress. The CITI strategy is to delay and then request updated information-multiple times. We provided an encyclopedia of requested documents and they are clearly overwhelmed. We will discontinue business with CITI with zero regrets. We are researching FBA complaint process.

I started the process of refinancing my coop on September 19th and after submitting the required documentation weekly/monthly and not hearing for a couple of months I started to reach out to my loan officer after the Thanksgiving holiday. After speaking with him in early December and insisting he look into what the delay was, he informed me that there was an issue with the coop lease. I requested a refund at that time and was told I couldn't get a refund because the issue was on my end. I reached out to my coop management to be told there were no issues with loans and Bank of America and Chase were processing loans without any issues. When I reached back to my loan officer and advised him of this and requesting a full refund I was told I couldn't get a refund because it wasn't Citibank's fault. It was on my end.

1. See all consumer review with CENLAR, you will understand what this trick is.

So my loan started off with CitiBank which provided top notch service with my mortgage and customer service but then they transferred my loan to a subsidiary called Cenlar (still owned by Citi) and I had a few issues including 2nd rate Customer service compared to Citi and errors on my Credit report that I had to dispute.

Inferior and unprofessional customer service. I wonder why CitiMortgage put an unprofessional person to assist a customer. CitiMortgage is losing a customer because of those poorly qualified people. They better take action! The rude lady national... ID number is **. She does not deserve to be servicing a customer.

Financed home in 1992 with a company that "sold" the mortgage prior to 1998 to CitiMortgage. Refinanced with CitiMortgage in 1998. When selling home in 2020 we find out that proper lien release was not filed for the 1992 loan when CitiMortgage paid off their own loan. Money had to be placed in Escrow if we wanted to sell the house without a clear title. Dozens of emails from me and the closing agent at our title company and 2 months later we still have not been notified by Citi that this lien release has been properly filed so that we can get our funds from Escrow.