Citi Mortgage Reviews

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.

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.

Citi mortgage is awful. We tried to pay off our mortgage and they would not let us see. Had to certified check. They send us the amount left and asked if we knew what day we pay it off. How do we know until we get the statement. Because of interest stupid lady on the other end said got to pick a date then 22 dollars for that paper. We then have to wire transfer the money and if it's not done right a few is involved. That not all. It has to be approved by Citibank. We are So very very angry that we can't just send our last payment to them. It's now costing us over a hundred dollars they are charging us and if they don't approve it or it's not the specific amount they will send it back and charge us 200 hundred dollars. What company. They scam people. Something gotta be done about this company.

The representatives not easy to work and too complicated! I have to repeat the questions and did not got any answers! CitiMortgage representatives need to listen more and redirect customer to the right departments.

Unprofessional, took months to get it set on automatic payments which resulted in late fees and a mark on my credit score. There is no branch or human person to talk to in the I'll area. They barely speak English.

Next time I decide to finance anything probably will be with another company! That's all! Would not recommend them..I a very bad experience from start to finish! Not very understanding and lies to customers...Once again that's all that I'm saying....

They were so easy to work with. It was incredible! I have tried to work with other companies but they were way too complicated! Repetitive questions and overkill with the paperwork! Citi Mortgage was very easy to work with!

I have had loans with them in the past. They are good. Great customer service and will treat you like family..They are a top ten to me. They work with you to help you get the loan you need and the payment are in your budget. I love doing business with them.

Citi Mortgage contacted me a couple of years into my mortgage and offered a re-fi for a really good interest rate. I went through the application process and was give a tentative approval. Then while waiting for the final closing, without warning, I was sent a notice of rejection and the loan was cancelled without notification. The reason they gave was lack of adequate income but they had somehow missed the approved income and the person who wrote the mortgage was on vacation so the cancellation was not caught. I had to escalate the problem to the next level manager who, after several calls and explanations, finally got my mortgage approved. Closing then took another month. Then, a couple of years later Citi sold my mortgage to another lender.

My estranged husband made arrangements to pay past due of 2200 in Dec 2019. I never heard from them or got a certified letter stating that he never paid it. When he asked for amount he asked to include Jan also. Well Jan 15 2020 I got served with foreclosure papers. When I called upset trying to tell them I never got informed of him not paying if I did I would of somehow paid it myself, for I’m not losing my home over 2700 (now this is the amount). She was short with me and said basically pay the amount or the steps will proceed in foreclosure. How unfair!!! I have had the house with the first mortgage since 2000. And I’m in good standards with them.

When it was time for a refinance Citi had already decided to offer me an option that saved me hundreds of dollars per month without adding to the term. I would call that really good customer treatment.

They sent me papers without my consent to sign for a lower payment in 2008 (during the recession). I did not know at the time that it was to pay off the interest and hardly pay any principal. I still have the paperwork where erroneous people signed the paperwork. Remember, nothing was discussed to me at all. The mortgage has been taken over by yet another servicing company. The mortgage was kept the same way where 95% is paid towards INTEREST and the other 5% is paid to principal. It was not that way initially.

Scam- just the wealthy ripping off the 99%! Homes used to be bought outright- lobbying firms bought congress and now they want to steal your homes through reverse mortgage. Come on people- fight for your right to party!

I also was a CitiMortgage customer who got stuck with this Mickey Mouse mortgage company. They keep saying I didn’t pay my April payment, despite me having back records showing that I did. They said they will have to investigate it, and said "It’s ok. It won’t go on your credit report right now," which was a lie! I’ve even offered to email them my bank statements to show I paid, yet they won’t listen.

Having a second mortgage for 20 years. Stellar repayments! Our home suffered a water loss. We fought with our insurance company to get the amount needed to restore our home. Insurance added Citi on our check. They escrowed it and have been making us jump through hoops to get those funds released so we can at least get our job fixed. It’s going on TWO years. We have to pay on our home and hotels/apartment. They did escalate us to resolution department after misplacing our funds, we fax info they request and it sits on desks for weeks. They insist in inspections to see progress... We have no funds to get things progressed!

Started signed up for a modification started the process. Nothing but a lot of paperwork they could never keep track of. They ended up putting my property in foreclosure. My lawyer said it's called dual tracking, against the law but still happened. Company is the worst. So are their reps.

During the title search process to get a HELOC the title company discovered a lien on our house in the amount of $30,000 from August of 2007. We did take out a home equity loan in 2007 and paid it off fully in 2009. This is also in county records along with the certificate of satisfaction. The other lien was dated a few weeks earlier and has no certificate of satisfaction as we did not get two loans.

So, my mom has had a mortgage with Citi for over 30 years. My parents paid off the loan once but my father took out a home improvement loan against the home against my mom's wishes. Long story short my parents are divorced and he pretty much walked away from this debt because she got the home. My mom at this time did a remodification since she lost my father's income.

I have had this equity line for close to 20 years. Ran into a rough patch for 2 years. Was behind one month in my payments. Was sent harassment letters to the home, sometimes 3-4 a day. Citibank was calling my house, leaving rambling messages, then started calling my place of work. Threatened to put negative input on my credit rating.

I'm trying to save my mother's home and have been going back and forth between CitiMortgage and my attorney overseeing the matter, for months now. The attorney has sent everything They asked for and when I cap in to figure out what's going on, CitiMortgage reps tell me a new excuse as to why I'm not on the account yet. They give a new excuse every single phone call, after giving them everything they asked for in previous calls.

I'm trying to get an assumption done. The people assuming the loan haven't heard anything (letter or email) from CitiMortgage saying if they have been approved or denied. I've been dealing with this situation for about a year. Service is very, very, bad. You can't talk to the department directly. I believe they are avoiding me. I talked to a woman claiming to be a supervisor but she never responded back to me. I dislike this company. I advise you not to do business with any part of the Citigroup.

2013 I builded a home from the ground up. In three months the home started sinking. The builder try fixing the home and couldn’t fix the home so I get a lawyer to go after the builder. We got little money back. The home cost 70,000 to fix and we don’t even get have Faring. The builder we file bankrupt and walk away so now we still living in homes that are sinking a Community where the land are pulling away from the homes. CitiMortgage value our homes at a Price that the homes' not Worth. 13 homes sinking and Community not done. Water running in homes and homes builded off foundation. But CitiMortgage appraisal company said the homes was good in their inspection reports of CitiMortgage. Come out to the homes they would have seen home not on the foundation.