Consumer Complaints and Reviews
I had a 1st mortgage with CitiMortgage, that I never made a late payment on, for 10 years. I decided to refinance for a lower rate and decided to go with Citi, since I had been a customer for 10 years and thought it would make the process easy and fast. WRONG. It took 5 long months to get the approval. I would NEVER recommend that anyone ever obtain a mortgage with Citi. It was the worst financial transaction I ever experience in my 60+ years.
One of the worst experiences I have ever had with a refinance. They will lie to you, they will take money from you, get nothing in return. They will drag it out for 3 months. As soon as they get you for 800.00 or more they will tell you that you don't have good enough credit. I have a score of 780 and I've been making mortgage payments to them for 10 years and no missed or late payments. I guess I will try to refinance somewhere else.
Getting into details about CITI Mortgage and their loan assistance refinance, hardship program. About 7 months ago I lost my job, we used my savings to try and stay afloat but unfortunately could not. We contacted CITI Mortgage right away before we were close to being in the rears and attempted to make arrangement. But they told me unless I was actually behind they could not help me, in addition they said I didn't make enough money to defer the loan payment. Go figure. I am attempting to do right and they won't help.
So once we were behind, we contacted them again and spoke with an agent and starting making arrangements. This took us about 6 weeks to get all the paperwork filed. Then we all of a sudden we got a new agent. Total loss on this second agent, we gave her direct phone number to contact but she refused to call them instead she called one of my cell phones which is not on during the day, it's in a secure area. When we did get a hold of her she had us redo all the paperwork again, and in the meantime falling behind on second mortgage. This repeated twice with this agent, with no calls from her or incorrect calls.
5 months later it was escalated because nothing was done on the account except to the primary mortgage. We spoke to another agent in the escalation department and within a week we made arrangement, she told us we could make double payments on the primary account, catch it up and then she could restructure the second.
4 weeks later we made our double payments got the primary taken care of and contacted the 3rd agent. She no longer has the account and it has been escalated again to the recovery department. Now we found out from a third agent she had no authority to make the offer and is no longer in the department and my second mortgage was sent to CITI Recovery going into Charge off. Contacted that department attempted to make arrangements again and was told that they would send me paperwork in two days, I can submit my pay statements, offer letter and we can make arrangements.
4 days later I contacted them because I have no mail from them on what needs to be filled out and now I find out the sent it to a third party. Now I am in process of submitting a formal request to CITI, I may get a lawyer, to request written history of all transactions, email, phone call with CITI. Here is what they said, "They will research your request and send you a response back. Please continue to work with the recovery department." CITI Bank is the most deceiving, lying, misrepresentation of a mortgage company I have ever seen. Their staff is incompetent, unworthy of being called homeowner agent and should be looked into for illegal practices.
I took out a loan with CITI against a house I inherited to start a business. They had someone come to the house to "appraise it". They went to the property to "evaluate" the value, did not call me, they merely drove halfway down the driveway in the dead of winter and took pictures out of the car window! I have the pictures to prove it. Parts of the house was built in the 1920's and added on to several times! They didn't even talk to me, they just gave the money, $132,000, I made interest payments on time for 10 years, to the total of over $45,000, plus they charge $50 a month just for having given me a loan!
My business failed after 7 years and had to file bankruptcy, chapter 13 and had to pay for 5 years of lawyer fees in which after the bankruptcy, they tripled my payment and told me I was behind in my payments. They said they would pay the property taxes and flood insurance and just add it to the end of my loan, never happened. I called about a loan modification, sent them all the documents and was told they did not receive them or they were incomplete, so I re-sent them.
This has been going on for over a year and are now threatening to foreclose or due a short sale. Now I have moved to the executive level and are asking for the information again! I wrote that my payments now should be applied to the principal only, I mean they already took $45,000! CITI has had so many lawsuits against them, yet they are still allowed to conduct business and take everyone's money, "Pay or we take it away." I am my wits end, these people professional criminals and are getting away with it!
I say let's band together and raise awareness to this incompetent, fraudulent, thieving, corrupt, ruthless corporation. I think we should file a Class Action suit! Anybody in? I'm also going to write to the news stations, maybe even The President! I've already wrote to my Attorney General, as you all should do for a start, they got the ball rolling for me. CITIMortgage needs to be accounted for this criminal conduct! Many of you have been going through this hell for years, it's time to let it be heard how fraudulent this company is!
After spending a month fighting with my insurance company over a claim regarding storm damage to an out building Citimortgage will not release the funds as the check was made out to myself and them!!! They first asked for a copy of the claim and then said they would release funds. Then they asked for paid receipts, then more information... Everyday it changes and they said they didn't get the last information and then state, "Oh yes we found it but require more."
Our home is currently worth 600k and we only own 80k on the loan (plan on paying it off asap as we've had it with CitiMortgage). The claim was on a outbuilding shop that has nothing to do with the main structure and they were suppose to do a waiver for that fact but once again that information is lost and they are asking for more documents they already have!!! The insurance check was suppose to be to pay for the damage; now I have personally paid for everything and they still will not sign off the check.
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I am a purchaser of double wide mobile home, $44,000.00 with trade of a single wide trailer. I purchased in 1990 in May on 15 year mortgage, it was set up and after all putting together we finally moved into the new place. I made payments on a regular monthly until I had to get a car for work. I refinanced my mobile home and was given a refinance loan for approximately for 7000 _ dollars. I do not know how my balance went to $103,000.00 dollars. My payments were over $849.00 dollars a month. I made the payments with a 2 week salary, there was a occasion of several times I had to make payments on other bills, I would talk to CitiMortgage and they would tell me it would be deferred. I had no idea what deferral meant. I lost my job and was not able to find another person to hire me. The unemployment ran out and all money I had was the Social Security check and a $329.28 pension from my employer of 21 years of hard work.
I applied for Modification of my Mortgage. I sent any and every piece of paperwork, I did 3 different Trial Payments, Upon completing the trial payments, I began making payments on the modification. I had taxes and insurance in escrow. I went to the county tax office and due to age it was lowered. I am going into my 3% interest rate. All statements and information I received made as if I was an important clientele. Well it all broke loose on the 30th day of January, 2017. My payment had been withdrawn as always through electronic at Bank. For 01/01/2017 for $ 516.09, I did not understand if my interest rate went up why did the normal payment of $539.24 dollars. Not go up? Upon receiving a letter it would go up to $567.26 dollars per month. I thought the mortgage would be PAID FREE AND CLEAR IN 2018.
I have paid in excess of money to pay for a brick and mortar home. I got the modification and I thought I would be free to ownership in 2018. The trailer is old and mainly made from chip board. The front footage was a garden. For food. It has since grown up. The back is a hill gully. The land is a gift to her illiterate son whom cannot read nor write. I have nothing, just this worn out mobile home.
Upon receiving letters my mortgage had been sold, I do not know what is left to do. I have called CITIMORTGAGE INC. ALL I HEAR FROM THEM IS LIES. I have asked for payment to them until modification went through. I know I paid for $829.49 dollars monthly. I know I am not smart, I was always poor, but wanted better. CitiMortgage why? I am losing everything. Y'all have made a lot of money. The calls I have made and begged are for you and I can in mind feel you laugh. I wipe my tears for the almost 27 years I have paid on this home. Lord Jesus please help to me.
I applied at CitiMortgage for a refi on my house! It was the worst experience dealing with them! I did everything they wanted me to do when they requested documents. They never returned my phone calls, they waited to the last minute asking for documents which I sent plenty of times to them because they either lost them or they never received them! I have proof that they were received through all my fax receipts! I overnight the documents they requested, emails and even uploaded them on their website!! They wanted me to resend the documents so many times that I lost count! They would tell me they would call me back, they never did. I left many messages, they never returned my phone calls and when they did they were unprofessional very unprofessional!!
I would not recommend anyone going through CitiMortgage to refinance or to apply for a loan. It was a horrible experience!! I should've checked the reviews ahead of time. They are the worse!! They wasted my time and my money and on top of that they wanted more money because it was their fault that they didn't meet the deadline. Then to tell me that I was denied because I didn't have a bank account with Citibank to make my monthly mortgage payments!! I told him what does that have to do with anything. I pay cash and have all my receipts for every single payment. It wasn't good enough for them!! Now I know why I have Bank Of America!!
Citi is without a doubt one of the worst companies I have ever dealt with. 8 yrs. ago I had open heart surgery, I stroked on the operating table lost my left side and my speech. Took a while to recover both but I regained everything. 7 mos. later found out I had lung cancer. Underwent surgery but recovery was a long process. Long story made shorter I used what money I had saved and kept my mortgage up to date till almost 2 yrs later. Not working I fell behind. I went to a HUD counselor who sent in a remodification package to CITI. Advised that it would take a while to do because there were so many applying. Kept checking back for a status and kept getting the same response.
Well this kinda worked for me since I was not working. As soon as I got back to work I contacted them. It was like I was lost in the pipeline or some hole. Had a great home support specialist who immediately sent me out a package to fill out... I did... then the nightmare started. Package after package, update after update months went into years. Then in 2015 they foreclosed after I said that they were a predatory servicer. I called Freddie Mac. Sent a package directly to them. Mind you I was pre qualified every time before another package was sent. 7 in all not counting continual updates. They told the woman at Freddie Mac if I got them 3 additional updates they would stay the sale. I went out that hour and got what they wanted.
Friday before the sale I started thinking this was going to go badly... Contacted an attorney and asked if I could fill out bankruptcy papers and if they did not do what they said could I file them on the day of the sale. He said yes. 1 hour before my house was sold I filed the bankruptcy papers. 2 days later they called my attorney and asked if they could speak to me because they had a complete refi package at the time of the sale... Talk about illegal... I have lived in this home for 47 yrs. Then they sold it to Selene Finance. Again a package was sent out. This time the refi was denied for income to debt ratio. I have no debt but they have added so many fees and charges that a home that I owed 100,000.00 on they want 167.000.00 for. Talk about a racket.
Selene bought the property for what was owed originally. Foreclosure and another bankruptcy to stop another sale. Where will this end up... Who knows? What I do know is I am not leaving my home quietly and I am not finished with Citi. Just do not know where to get any satisfaction. It is like a tag team... one gets tired and sells it to a even bigger dirt bag who in turn sells it to bottom feeders who wants to make a killing on flipped property. If anyone has anything going on against Citi or Selene Finance you can contact me at **. Maybe we should start a petition to Donald Trump on line. Don't get political about it... but we have to do something at least I do. The stress is killing me. I even told them I would commit suicide and have my ashes sprinkled in my back yard before I would give them this house... Not really but it sounded good at the time.
This company calls me every first of the month to pay my mortgage even though my check is on the way or was already cashed. Citi has the worst customer service and a recording is calling me every first of the month! Called them to stop calling me since I have 16 days grace period. Unfortunately they are still doing this crap. I told them there's no way to lose this house with 150k equity. IF YOU DON'T WANT ANY HARASSMENT CALLS PLEASE DON'T DO WITH PIECE OF CRAP COMPANY!!!
CitiMortgage think they are ABOVE any and all government agencies that protect a consumers rights. I sent CitiMortgage a Qualified Written Request (QWR). It is your right to have the mortgage lender give you the required documentation. There are plenty of sites online that will give samples on how to write a QWR. I discovered a major flaw(s) in my "alleged" mortgage because of requesting my QWR and comparing the documents CitiMortgage sent me. Fraud the promissory note I did not sign. The name isn't spelled correctly... to say the least. Fraudulent documents are file in the County Clerk's Office.
Lies that begot other lies because departments within CitiMortgage do not communicate with each other so when you call to address the issue(s) you literally get the runaround. So do not waste your time, energy nor effort. Just send them correspondence with return receipt from the USPS about the issue. Wait for CitiMortgage to respond 7-10 business days (if they respond). Write a complaint to the Consumer Financial Protection Bureau (CFPB) and even the State Attorney General Office. Like I said, the departments do not communicate with one another so you will see various replies and numerous inconsistencies begin to emerge. CitiMortgage even ignored the CFPB but found out sooner or later you WILL have to answer.
We have had an adjustable rate mortgage with CitiMortgage for 10 years and have tried to secure a fixed rate which citimortgage will not do. We have never been late with a mortgage payment not once but they refuse to modify or fix the rate of interest never giving a reason why. I asked citimortgage to modify the mortgage to a fixed rate. They stated that we had never been late on a payment so we did not qualify for modification. All we wanted to do is fix the rate to a non adjustable one.
Okay, so if anyone does start a class action please let me know!! My husband and I would like to start ligation on them as soon as we can. We have had a house on a short sale in NM due the crash in the housing market out there. Well, the first buyer hung on for two months, but Citibank could not somehow come up with the Lien Release that they should have acquired when they took the loan over. Then our second buyer waited for ONE YEAR and still, Citi never got the required lien release stating they were having trouble locating the document and got their legal dept involved.
After the second buyer dropped the sale, which I could not blame them, the third buyer signed on for 45 days only. I called the title company that should have had the lien release, I secured it within 5 minutes sent the copy to CitiMortgage AND their attorneys and STILL the sale did not go through and we lost our third buyer. No one wants to purchase the home now since it takes so long to get this to go through, and CitiMortgage is now requesting us to resubmit paperwork AGAIN!!! I am so tired of this and now the house will most likely go into foreclosure. So, again, if anyone is going to do a Civil Action suit against them please let me know, we have all our documentation and emails to show their lack of anything!!
DO NOT DO ANY BUSINESS WITH CITIMORTGAGE. We have been CitiMortgage customers for years. Started a refinancing Aug 11, 2016. We have a great credit score and were conditionally approved. And then the nightmare began. We were asked for and provided right away tons of documents, some of which no mortgage company ever requested before. They requested the same information over and over again because they couldn't find it or became outdated. We started with one personal processor, she went on maternity leave, somebody else took over. He went on vacation in the middle of Dec 2016, haven't heard from him since. A third person took over, filling in for him.
Every 2 weeks someone looks in our file and requests a document, we provide it right away and don't hear from them for a while. I am wondering how long this will go on? It's been 5 months and I don't see the end of it. We have owned a few properties, refinanced them a few times. I have never heard of or known of anyone refinancing for 5 months. We haven't closed yet and I am not sure if we ever will. It's a huge waste of time, energy and money. It's a big scam. I don't know how they are still in business.
My wife and I have been existing mortgage clients with Citi for many years. We received a flyer in August to consider refinancing to reduce our payment. Great. We began the process the first week in Sept. WE just received a formal declination this afternoon 5 months from beginning from Chad **, Texas and his boss Troy, O'Fallon MO that they couldn't make this work. THEY HAVE LIED TO US as it turns out from the beginning. Promise after promise that we would get this done, no problem. DO NOT DO BUSINESS WITH CITIMORTGAGE. We are now beginning the process of formal litigation and perhaps a class action case in Calif. with the Atty General's help.
We have had a CitiMortgage home loan for years. We were hoping to refinance with Citi. We started the process on July 1, 2016 and have not closed. We have been conditionally approved for months. We have stellar credit scores and have sent in all necessary work, but they always find something else they need us to fax in or prove to them. What a joke! It has been 5 months. I do not see how the company has survived.
It is hard to put into words how terrible this experience has been. I have never had worse customer service anywhere (and I am usually pretty easy to please). Long story short buyers are in the process of assuming mine and my husband's loan. The first thing is that they lied when I contacted them about it. They told me it was an easy process and the only money that they took was $500 and that covered everything. They also told our buyer that. It is not the truth but when you find out about other fees you are too far in the process to stop. Also, they will not talk to you until you file some kind of complaint and bug them to death.
When you finally have a contact person, you can reach them by email and you usually get a response that will just shut you up for a few more weeks until you call or email again. Before we finally had a contact person you would get a different operator every time you called and they would tell you something different and would not let you speak to anyone else. They also lied about receiving documents and had trouble finding things we sent because they were in some kind room where all the mail is. This all has been going since the beginning of June. At one point this week we thought we were close to the end, then they want to re-do something they have already done. I am sure that comes with a fee. This is never-ending and we are tired! This is just the watered down version of the nightmare. What really bothers me is that I did not choose Citi. They bought out our loan from another lender.
Mortgage Shoppers beware and read all the fine print. CitiMortgage will try to charge any and all fees they can including a $25 fee to fax a payoff statement. They will charge this fee multiplied by the number of faxes they send. The customer service I received was awful and this was the worst loan experience I have ever had with any Mortgage Company. If this company is the only one who will do your mortgage then wait to buy a house until someone else can help you. And in case you were not aware they are NOT accredited with the BBB. I wonder why?!?!
Divorced 2007. I got the house my ex got the payments. Mortgage loan in his name only. Property in my name only. Ex quit making payments in September of 2013. I found out just before Thanksgiving 2013. I caught the payments up. Been making ever since. Fell behind Oct 2015 after a job change. Took out a loan on my Yukon December 1, 2015 to catch payments up on house. Citi Mortgage rep Margaret ** said Citi couldn't help me if I could make my house payment. I told her how I got the money. She stated she would delete the very large payment I had just made and send me the paperwork to file for remodification. Now remember my name is not on the mortgage. So I received the email from Ms ** with all the documents I needed to fill out plus the documents that I needed to send in.
Sent it all in and a little over 2 months later, now February 2016, and two representative changes later, Citi Mortgage declined my loan remodification because "my name is not on the loan." Citi stated they didn't know my name wasn't on the loan, they didn't know my ex and I were divorced. Wrong! They were looking at the loan information for my home. They also had an Authorization on file from my ex so they could discuss the loan with me. And, they have a copy of the divorce decree - they asked for it in the first email Ms ** sent along with the Quit Claim Deed conveying my ex's interest in the home to me.
I asked to speak to a department manager - not a peon. So Ashley came on the line. I asked why Make ** would delete the payment that caught my account up to offer me a loan remodification she knew I wouldn't qualify for because my name wasn't on the loan? Ashley stated they - Citi r Drrps are not allowed to dissuading potential customers even if they know they don't qualify.
Instead of being $821 per month before the remodification started in December 2015 my payments went to just over $1000 per month for 6 months to catch the payments up. I couldn't make them either so long about May or June of 2016, Citi assigned Melanie ** as my account rep. Ms ** offers a loan remodification. I'm like "how's this going to end any differently than the last one?" Ms ** says "I'm at the executive level and we can do more at this level than at Ms **'s level. " Needless to say, it didn't end any differently with the exception of a couple of twists.
First, my ex had to sign all of the paperwork too. Melanie stated the remodification would have been approved the first time if this had been done - no one mentioned that to me. Remodification declined. Same reason as first time PLUS additional reasons: my ex doesn't live in the house was one reason and Citi stated they didn't feel I could catch the payments up in 6 months was another. If you are accepted for a remodification do you catch the payments up in 6 months? I didn't think this was how it worked. Difference in my income? I went from $1100 week salary to $1700 biweekly on workmans comp. Payment is $815.66 per month for mortgage.
Citi has been absolutely no help and has lied to me repeatedly. They sent an inspector out. I called FHA trying to get some help. 800 number rep took my info and stated someone would call me. She did. She stated Citi is sending the inspector out to verify whether or not my ex lives at the residence - and that was exactly the question he asked. She also stated that once Citi was certain my ex does not live here that Citi would take my house away from me. She suggested I started stock piling money and quit making the house payments. I'm serious as a heart attack and swear that is what she told me. Citi has known for 2 years that my ex does not live here. I give. I don't know what to do. If I make the payments due on the mortgage and Citi takes my house because my ex doesn't live here I'm hating it. I don't know what to do. But I do know Citi has lied to me and jerked me around for almost a year now. Help!
I have had 2 second mortgages with them for 14 years. I have never missed a payment like many of the other reviewers, and like many other reviewers find, they have made "errors" which inflict false fees which inflict late payments. Then to get these resolved they bend you over the barrel for about 6 months trying to resolve it. I too don't believe these guys are running a kosher business and if any class action suits arise, I have lots of paperwork and phone records to add to the mix.
I had CitiMortgage for 10 years. I wanted to refinance due to the low rates. They made the experience terrible. At the time my top credit score was 808. However after 5 months CitiMortgage was still not able to give me a closing date nor an estimated closing date. It’s unclear why they took so long because they never gave an explanation. When a person is paying $5000 (nyc) in closing cost part of what is expected is customer service. 5 months to process a refi with the same mortgage co you’re with for 10 years, with no explanation is unreasonable. I’m definitely looking to do business with a company that appreciates it. CitiMortgage needs to learn to do better by their long time customers.
I too have a horror story. My husband died. Note and deed in his name only. CITI allowed several forbearance agreements which I met all obligations. Suddenly CITI would not take my calls or return them. I attended a "Meet 'n Greet" in Strongsville, OH in May 2010 - no response from that either. I wanted to assume the mortgage at $70,000 and have them forgive the rest - no go from attorney in Cincy (not CLand). The tax value was inflated and CITI found out when appraisal was done for sheriff's sale. I got several calls asking about an estate. Each time answer the same - NONE. I even got a letter from the insurance dept after the sheriff sale stating estate was out of compliance.
They have since sold property for $70k over 4 yrs later. They stole my forbearance money since I was told the department never should have acted over a signed document from my husband - should have become void when he died. I was even told by an employee I could get my forbearance money back if a solution could not be made. I have contacted them Nov 2015, 04-2016 and now send a 3rd request. I just want my money back they stole with interest or make me an offer. It is not fair how CITI is allowed to continue to treat people. Do whatever you cannot to use this lender.
The Worst! No help. Refuses to help with any problems. A lot of excuses, never resolves the issues. Do not use this company!! Run! They are idiots! I have to call the stupid people who work there every month!
Why/how does a lending institution like CitiMortgage that consistently has terrible reviews continue to perform the way they do without an investigation? I have been screwed by this company during and after I utilized their services, apparently am not the only one. They reported me 30 days late on a 2 day late payment when I closed on my last home. Now I cant obtain financing on my new home according to my new mortgage broker. I hired 2 attorneys to assist me with this... They sent certified letters to the address they were given: CitiMortgage Inc., PO Box 9438 Gaithersburg, MD 20898. Those letters were sent back to me via USPO "Return to Sender, Not Deliverable as Addressed."
I have been a long-time customer with a history of on-time payments. I use the website. January there was a problem with the site so my payment posted on February 6 yet they are saying 9. Every agent is trying to play attorney having me repeat my claim hoping they can discredit my claim. They hit me with a late and were unwilling to reverse it, having paid the same day of the month since the start of loan in 2013. CUSTOMER CARE IS NONEXISTENT. In fact it is their mission to ruin you. Beware. There are plenty of options. Choose one.
Buying a new home out of state. After six weeks and more than 100 pages of faxed documents, I am going with another company. Requests daily for more info. The same info numerous times which was all promptly returned to them. I get a congratulatory email that my appraisal came in at $315k. Two days later congratulations again, it came in at $292k exactly the purchase price. One day they needed copy of contract on present house. Next day that wasn't good enough. Needed buyers mortgage commitment.
To top it off, someone from Citi called my lawyer and set a closing date. Three hours later, I received a list of six items I still needed to provide. Three of these, we had provided within the previous 48 hours. Seems like the half read your communications if at all. Don't do business with Citibank unless you happen to be a glutton for punishment. I told them I would go to another company and they said, "Ok we'll close your request." Thanks Citibank for wasting six weeks of my life.
So now I need Citi to release the money they hold from my insurance claim to me. I had to submit contracts, w9 forms, Lien wavers and finally a letter from the contractor that they were paid in full. Now Citi needs to inspect. An inspector comes by and takes pictures of my house. He wants to see the the interior repairs. I didn't do those yet, just finished the leaky roof.
Citi refused to release any funds. They claim that plaster work is structural and all structural work must be completed. Really? Plaster? No wonder the contractor didn't want to wait to get a check from Citi. I called and complained to a specialist who assured me she could see the pictures of my new roof and would go see a supervisor and get an exception to their hold on my money. A week later I call and find I was denied. Was told sorry, we will send another inspector to see if you painted your wall. They act like I'm trying to rip them off. The inspector takes at least a week to show up, then a week to file his report. Then Citi will ignore you until you call looking for your money and then stall you again. Don't do business with this company. I'm refinancing with another company. They lost a longtime good customer.
Have had a mortgage with Citi for 20 years. Never late on a payment, never any issues on my end, for 20 years!! I called to set up a different due date as my paycheck date has changed. Not an option I was told. I inquired why. Did not get a answer other than I could refinance my loan. The gentleman added, however, that even refinancing would probably not change the due date that has already been established. I asked the gentleman what he suggested I do. He had nothing for me. I offered to put it on my credit card. Nope. No further discussion, no empathy, no options. Thanks CitiMortgage, way to interact with your customers.
In my opinion it is a predatory lending practice to apply a lender assessed insurance with no actual valuation of the property. The property is basically a shack and they overvalued it and the insurance amount jacked up the monthly payment to unaffordable. This started out as a FEMA loan and got sold to them. Then, when I decide to help my Vietnam veteran brother out by paying off the mortgage and getting this company out of our lives for good so they stop trying to foreclose on him, they are making me pay the entire year of insurance in full even though it goes all the way to December and this is June. They say they will mail me the balance. Yeah, right.
Even if so, I am having to take a loan out on my 401k so they don't foreclose on my brother's place for a $25.00 balance on the mortgage loan that they will not let me pay off until I pay the $1000 insurance policy. That is a projected escrow deficit that I won't owe in the future if they would let me pay off the 25 bucks. They have much deeper pockets than me and should tell me what I owe today and let me pay it and not make me pay a balance we will not owe and then send me a check later after I have experienced a hardship. And then refusing to let me pay it off makes the foreclosure still a possibility for the 25 bucks owed. Predatory. And when I say so they hang up on me. I will never use any Citi products and will tell everyone I know to watch out because their unprofessional staff and unfair practices are not worth the risk.
Created an account. Went to login. Flash comes up - "you are blocked." Call the 800 number. Did! And what a bunch of runaround. WOULD NOT unblock the account online. Ask why it was blocked - refused to give said info. Finally hung up in frustration. So there you are. Customer service really doesn't care whether or not you are given the info you need.
As I read the other reviews I realize that Citimortgage has a pervasive problem recording payments from customers. I, too, had a payment go missing. Wells Fargo bill-pay sent them a check for my payment. The check had my name, address and account number. The check was mailed to the correct PO address and the check cleared through their Citibank account. Citimortgage had no record of receiving this payment. I got nowhere with their customer support line. Wells Fargo was unable to resolve the issue from their end. I finally located Citimortgage webpage instructing how to request account research. I wrote a letter with all the documentation and sent the letter through USPS. I sent it certified and registered to their account research group. Once the research team received the information they quickly applied the missing payment to my account.
Moral of the story: Do not trust that your payment was applied. Check it – EVERY MONTH. Do not waste your time with their so-called "customer support" line. They are nearly worthless. Always write a clearly stated letter with supporting documentation. Send to their customer research team. You cannot call them. You cannot fax them. You have to write a letter and mail it.
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