Citi Mortgage Reviews

When we called that week, after no hearing (she told us we would), she said she didn't get the papers and asked us to submit them again - which we did. She didn't get these either and we found out from someone else at the company that she had given us the wrong fax number. She also gave us the wrong extension number to reach her - three different numbers. She said she didn't get the papers but would suddenly find some of them on her desk. Then asked for all kinds of other - even silly things, and some we'd sent again and again.

We finally said we would FedEx them to her but got a denial letter before she received them. We've asked that she call us three times - no calls at the appointed times. I complained on their online complaint center and was emailed a reply that they would call this morning to talk to me. It is now 12:10 and I said to call in the morning. This is a failing company or a company too big to worry about their customers.

On July 19th I spoke to another rep. She said that they could make a determination about whether or not I qualified for a re-modification after reviewing some financial information. I did not have all of the information needed on hand so rather than guess, I had her send me a "package". I completed the financial statement about 4 days after receiving it. I faxed it in on July 31st. I called them on Sept. 4th to check on the status since I had not heard from anyone. The only thing they could tell me was it had been received Aug. 1st.

On Sept. 11th I called back and was told it had been received, but had not been assigned to anyone, and it could take up to 60 days before that would happen. The person I spoke to suggested that I re-send the same information online and it would be assigned to someone sooner. I'm just fed up with the whole process. They always tell me what a valued customer I am. They just never show me.

When I called Citi, they agreed they had indeed kept the payment. When I asked why it hadn't been credited to my account, I was told it was b/c it was short the $92. So... they cashed the check, but had it in some sort of "holding account"?? I AGAIN asked for an explanation as to why our escrow went up. I AGAIN paid the shortage. Then asked to speak with someone regarding helping dispute the negative credit report. I was told I couldn't dispute it because I was short. Period. I had requested an explanation of escrow THREE TIMES. Never got it. But I am expected to continue to hand over extra money to them with no explanation.

FIVE years... not ONE late payment. NOT ONE. Even though my husband lost his job. Even though he's a disabled veteran and we are struggling. We make our mortgage our priority. $92 short on a new payment that was mandated without explanation... and they send us to the credit bureaus. I'm FURIOUS. And still NO EXPLANATION. I was told to call back at noon and talk to escrow. Here we go again! How is all of this legal? You can demand money without explanation?

HOW IS THIS FAIR, HOW IS THIS RIGHT!!!!! They have RUINED our Credit!!!!!!! I understand that maybe 1 or even 2 months to report the payment THEY TOLD US NOT TO PAY, but to report that same payment as late month after month after month and NOT sending us anything saying this is what they did, IS UNREAL. I wish I could SUE them!!! They are the WORST Company I've ever dealt with, especially when you call for help and you get someone over in India or another foreign country!!! So frustrating. Prior to the re-modification, we had credit in the High 700s almost 800. Now it's down to 650!!!!!!!! CitiMortgage claims they are helping you, but in reality, they are hurting you!!!!! This is NOT the American Dream. It's the American NIGHTMARE!!!!!!!!!!

Now, I started this process in May when the rates were really low. I was told that my rate is locked for 90 days and then they gave me extension on it. I was not told by anyone that this loan was not going to book because of some stipulations. If you don't do refinancing on the condos, then you will need to disclose that to the client upfront so the client would not spend money on the application, appraisal, HOA, etc. and goes and shops elsewhere. I can't even shop for a better rate now because the rates went up.

Citi was completely unethical handling my refinancing. I shouldn't be the one paying for the consequences of the company's negligence.

If the reason you can't do a refinance is due to an ongoing condo construction in the subdivision, you would need to disclose that stipulation upfront to your client so she/he can make an informed decision. Last minute is not ethical!!! I will make a complaint to BBB, Attorney General and also to media. I will sue Citibank if I need to.

I still have not found a job, only income was child support. I explained how I was still going through divorce, had two children and had nowhere else to go. I was told that they would not help me till I found a job. Finally in January I got called back and was hired. I contacted the mortgage department. They then told me I could not be helped till I could provide thirty days of check stubs and assistance forms. As soon as I could I faxed the papers. I then received emails stating that more paperwork was needed. This went on for weeks. I finally called and spoke to the rep and asked please give me a full list of the paperwork and was emailed again. I sent these as well. This went on for months needing me to send the same papers by fax over and over and over sometimes costing me 40-50 dollars each time.

I then received papers from a lawyer saying 08/06/2013 they were going to auction my home. I emailed my rep and asked and never received any information regarding this back, just more request for more paperwork. Then on July 31 received an email that I needed a new application for my claim. I called three times, spoke to two reps. During the process of application the call was dropped on me. I asked for an email of a supervisor. Received it two days later. I had expressed multiple times that I worked very specific hours and at a center where my phone was not allowed.

I received a call on 08/05/2013 to contact my rep about my application. I contacted 08/06/2013 the next day and was told that she could no longer help me that they auctioned off my home. I sent paperwork from January till July 25 and they waited for the last minute to tell me my application needed to be resent and now I have lost my home even with all the effort I put in to keep it. Now I am out a home.

Well, it is now July 24, and the closing has been pushed back a total of three times because of this letter. The first delay occurred because we were not told that there was a processing fee that had to accompany the death certificate and request for the closure letter. This fee was a whopping $10. The customer service rep screamed at my husband on the phone until he finally threw the phone down and walked away. I picked it up and she hung up on me. I called back and spoke to another rep named Aldo and he was helpful and told me that the letter could be expedited on Monday so we could receive it on Tuesday. Vince went to the local branch, paid the fee and was assured that the closure letter would be processed and ready on Tuesday, July 23. Assisted by the local bank manager, we did everything we were supposed to do to expedite this process.

The second excuse was that the letter was delayed because they had not received the death certificate. The branch manager faxed the death certificate and had the fax confirmation to prove it but customer service said that wasn't enough so she had to write a letter stating that she had seen the original death certificate. We have both been on the phone with CitiMortgage and I have to say that this is customer service at its very worst. Vince was told at 11 am today that the letter was by the fax machine ready to be sent. Well, when I went in there after work at 4 pm, I was told the letter couldn't be processed until the account had been closed and showed up on the system which would not be updated until tomorrow morning at 7 am central time. It is 5 pm and we have missed our closing yet again.

To say I am livid is an understatement. My husband is beside himself with worry and aggravation. I was told that the supervisor in charge could not be reached because his voice mail was full, that he wasn't in the office and that there was no one higher than this supervisor to speak with so I am doing the only thing I can. I'm taking this to social media and consumer complaint forums.

I agreed to proceed with Citibank since they had a longer lock period than another bank that qualified us (we just purchased the home less than 7 weeks earlier), thinking it would help alleviate stress with the refinance. Citibank charged our credit card over $865 for the loan processing. I submitted income and required additional documentation which actually showed an additional salary from recent raise than at the time of application.

However, yesterday I received a call from a mortgage rep saying the underwriter will likely deny our loan because of an income to debt ratio. We have no debts other than mortgage. Our rental pays for itself (mortgage, taxes, insurance) so I asked the rep why this ratio is an issue now after my phone application where I was told everything was fine. Also, if anything, my income has gone up slightly. It seems like maybe something changed internally whatever ratio policy Citibank has set for themselves. The Rep did not tell me what the ratio is and why Citibank has a problem that another major bank did not have in funding the loan less than 2 months earlier.

In any case, I asked the Rep if I could submit additional assets of other savings to assist them with the comfort that we also have solid savings to support us for many years if needed. The Rep said to submit the additional statements but didn't provide any information on how much additional assets would suffice. I may end up going through the additional documentation hoop in an exercise of futility. In any case, I asked the Rep if Citibank would refund our $800+ fee in the event the loan was denied and she said no. It was a non-refundable fee.

It seems to me that if the customer changes their mind on the loan while Citibank staff was working on the loan, that the fees could legitimately be kept. To keep the fees when the data submitted was actually more favorable than when presented to Citibank at the time of phone application just a few weeks earlier smells of some bait and switch process in play. A poor way to do business in my book. Very disappointing. I don't know what the outcome will be from the additional asset submissions which I have started to send, but it is discouraging that if the loan is not funded, Citibank plans to keep the fees.

My husband and I have great jobs, credit scores near 800 and will proceed with refinance elsewhere if needed. Unfortunately, rates continued to rise during the last 2-3 weeks of the Citibank refi process, which also will be an additional negative impact to us. We have not been provided appraisal or title services that I am aware of so I don't understand why Citibank would be out any money by refunding our fee if they deny the loan. I've sent both emails and called a manager with no response on the current "ratio" issue, how much additional saving documentation is needed and if the loan is denied, will they refund the fee. No response received yet. Refunding the fee if they opt not to fund the loan would be the right thing to do. I hope Citibank rises to the occasion of doing the right thing.

On July 8, 2013, I called the loan supervisor directly and he told me that the loan processor did not go on vacation at the time, and I lost my chance to refinance because the underwriter declined my refinance and gave me two stipulations which I agreed to 2 days later. However, Citibank is saying I had only 24 hours to respond. Coincidently, the deadline was a Friday, June 14, and my birthday. Who does business this way? Also, Citibank has a policy that if you call in to speak to your loan processor, they have a 24-hour turnaround time. After not receiving a call-back response on Monday, I emailed my loan processor on Monday, two days later. Citibank has admitted the industry standard is 4-5 business days turnaround offer. Now, the rates have increased while CitiMortgage offers to accept a new application. Citibank have stalled me intentionally as my loan processor has admitted to, even stating he went on vacation and when he returned, the rates were higher.

I have made my payments on time - have not missed one payment yet, they say that I am not struggling. They would rather have me miss a payment here and there and ruin my good credit than to help me out here. I did not have a choice with the mortgages. Both of them were with Pulaski Bank and then Pulaski sold one of the notes to CitiMortgage. The whole thing with helping out people who are underwater in their loans is pure bogus. Citi has gotten government money to help them out, they still are receiving money, yet they won't help out anyone else except those that don't need it.

While my home was boarded up and with my contractor's 5' X 8' sign in front, and the doors locked with Realtor's boxes, Citi hired a firm to break in to my home "to secure it." They did over $3,000 damage! None of the government programs could help me because I wasn't behind on my payments (yes, they really did say that to me). Congressman Bobby Schilling had to intervene on my behalf. He and our local paper forced them to credit my payments and forgive the penalties. Citi still didn't reimburse me for unwarranted PMI payments. They also claimed that if I had a problem with their contractor, it was not their problem and I would have to take it up with the contractor. Whenever given the opportunity, I tell people to find ways to avoid doing business with Citibank. I almost wasn't able to get my home refinanced, even though my credit score is 780, because I required notation that my contract could not be sold to Citi.

In fact, it is so obvious that it is almost laughable. Thankfully, I don't really need the loan and will pay off the balance over the next year, but I feel sorry for those that really need the money and have been intentionally misled. I think that the government needs to be informed of this, at the very least, our congressmen. It sickens me when I think that such a large and financially successful corporation resorts to such unscrupulous practices. Listen up, CITIBANK! You are going to get your just reward!

Our attorney and the title company had slightly better luck as of yesterday. They got the numbers and the "clear to close" confirmed with the lender. But the paperwork still hadn't arrived. The lender told the title company it would be there. We called our lender this morning to find out where it was (half an hour out from closing) and were told that someone had called yesterday to cancel the loan!!! After repeated phone calls, emails and walking to the branch, we've been given the names of 10 different people who might be able to help. Not a single one can tell us the status of the loan. They also have no record or proof of this mysterious phone call cancelling the loan.

We don't have any details, don't know what's going on with our new house, and still haven't gotten a call back from anyone at Citibank. I know there are a lot of people looking to move on this board. For your own sake, DO NOT USE CITIBANK!!!

And these people continue to delay the closing, thus costing me more money, not in refinance fees but in interest. My existing loan is at 5.75% and I am refinancing to 3.875%. Undoubtedly, Citi wants the higher interest rate. I've dealt with the Texas offices, Virginia, Lenexa, Kansas, and Philadelphia - all completely incompetent.

They claim to have a "title company" - Service Link - that I believe is just a subsidiary of Citi and does very poor quality work. My legal description has been wrong 3 times. I am on my 4th set of documents. They are so incompetent that they cannot even make a Monday UPS deadline so that I would get my documents this morning for a 12 noon signing. I have to agree with another commenter that Citi is being unfair, unconscionable, and fraudulent in its business practices. CitiMortgage, this large corporation, appears to pick on a lot of little people.

CM continued to send a multiplicity of notifications addressed to my daughter about her being in default and offering all different kinds of ways for them to help her with her financial problems. Every piece of mail sent to my daughter was another stab in my heart. My folder of correspondence to them and from them is over one in. thick. Finally, a CM employee said, "Ma'am, if you were my mother, I would tell you to let them foreclose; that is what they want to do." I thanked him.

Finally, in Sept. 2011, I wrote a letter asking if anyone at CM understood the difference between DEFAULT and DECEASED. I told them that I doubt if God cares about her earthly credit rating and enclosed a key to the house. A letter dated Nov. 2, 2011 from Susan C. Little & Associates, P.A. (Little) and addressed to my daughter reported that "Your mortgage loan has been referred to our firm for foreclosure."

On Jan. 31, 2012, a Court notified my son and me that CM and Little want us to agree that we are liable for default judgment. Financially unable to have an attorney handle this for us, then 71 years old, I wrote multiple responses to more notices from Little. Hearing no more from the Court or Little, I thought CM had foreclosed and that the house was on the market. A letter dated Dec. 10, 2012 addressed to my Michigan address when Little has my winter address stated, "Enclosed please find copies of the Motion for Order Reinstating Case and Order Reinstating Case and Request for Hearing. Please let us know if we can note your approval to the Order within five days of the date of this letter." I received this letter on Dec. 26; my son does not know when his arrived mixed with Christmas mail. Well-planned and well-scheduled: they were trying to get us to agree that we are liable for default judgment.

Widely criticized in RipoffReport.com and Complaintsboard.com and Consumeraffairs.com, etc., etc., as being unfair, unconscionable, and fraudulent in its business practices, CitiMortgage, this large corporation, appears to pick on a lot of little people. In my opinion, Susan C. Little & Associates, P.A. is earning big money and representing them extremely well. My folder of mail from Little is now over one inch thick; interestingly, they now have a different address. I wonder if it is a better location. Two years later, my deceased daughter's house is still not on the market. No foreclosure, and heartbroken I am with no closure...

Okay, now here's the info: Consumer Financial Protection Bureau (www.consumerfinance.gov). You can file your complaint and attach documents (the only time you will have to do so) or if you need immediate financial help call 888-411-2372. Complaining on here won't get you anywhere. Go to the folks that regulate these people.

Through an hour and 15 minute call, Amy was able to get them to commit to sending the money and that she sent support documents and documented "their promises”. Understanding that a June 5th receipt of my refund was unacceptable, she took it to the next level within BoA. She even was able to secure me a temporary insertion of funds from BoA into my account until the money is received from Citi. That was over and above support from BoA for a "RUNAROUND" from Citi. They will monitor my account, and when that money is received, they will take their money back... which is more than I could have asked for from BoA.

Hats off to BoA and especially to Amy who took control and fought on my behalf... The Big Boys (Citi) could have kept this series of lies and delays going, but when another "Big Boy" (BoA) stood on my behalf... change happened. As soon as possible I am taking my loan out of Citi and into BoA.

So second call to CS (now day 2 waiting for my money). I spoke to CS rep #2. She understood my frustration and told me that the check for all, but overpayment to principal, could be next day aired for Friday (today) delivery (lie #2). At 2:00 today, I realized there was no next day air coming. I called yet again for the third time. No, my check did not go out yesterday and I was not going to get my money today. She basically told me the same lie I received yesterday and that she requested next day (Saturday) delivery. I am changing my loan as soon as possible. Three days, three different false promises. Hopefully, the check will come tomorrow. If I were late to them, these deceptive statements would not fly. The big always disregard the fair requests of the small.

We refused to sign and requested a copy of all the loan documents for the closing. The title company sent over the file, and my wife's name was removed from all the documents. So, be careful. They were just trying to add my wife as a responsible party to my loan. Also, I received an email from Lana, stating that if my wife refused to sign the documents, they would pull my refinance. I will say it again, be careful! They are crooked! I will update, as I have yet to close on 5/14/15 and am still requesting information as to why her name was removed.

After submitting everything they needed, suddenly everything started to slow down. The loan processor was changed and the new one never contacted me. Finally, Angela told me via e-mail that Citi does not make loans on or refinances manufactured homes. I still haven't seen that condition listed on any Citi document or webpage. I am going to try to get my money returned but reading the complaints, I'm going to contact the Banking Commission and look into filing a small claim against them. No one should believe anything a Citi employee says and never pay a non-refundable fee to them.

The processor took over at this point and created at least 3 delays amounting to at least 1 month due to bad communication on her end. Our payments were made each month. In January, they claimed we had a late payment, which we did not. It took 2 weeks to clear that up. Citi issued an apology letter to us. Then back to underwriting and the appraisal. The loan, the first of this week, was approved by underwriting and then withdrawn the same day because they said that the late taxes were not allowed under the guidelines of HARP. Citi should not be able to access the HARP. They should be completely eliminated. I hope that a responsible individual from HARP or Citi (if there is one) sees this whole process was water torture. They should use Citi at Gitmo.

Just like everyone else here, they kept asking for info they already received several times via fax and mail. Then I was assigned a new case manager. What a dummy, Ms. ** was her name. She never told me the new paperwork was needed as she said it was mailed to me. I asked, "Was it sent to the property address or mailing address?" She replied, "Why would we send it to the mailing address?" That's where I get my mail (I moved to Florida, the property was in CT).

Forward now to 5/12, after my credit was getting beat up (it was over 800), they started foreclosure (with me incurring costs with my HOA) when I finally got approved for modification. I made the first 3 good faith test payments and the modification got done in 8/12. They sent me the papers to sign and notarize. I did that without fail, even though payments were more and they only gave me 5%. Well, I knew something was wrong so I called them. (which was always an endeavor, no one calls you back or emails you; I was told that it's company "policy" not to email customers back even though they put an email on all paperwork!) So I got hold of someone else, and they realized that they made a mistake and would be sending new paperwork out. I got those all notarized and mailed back out and finally it's good, right? Wrong!

Fast forward to 1/13 and I got a notice in the mail that I owe $17,000 and the house will be going back into foreclosure proceedings! I called them, asked for an explanation and they realized that they made a mistake and never "booked" the new mortgage! At this point, I'm still sending them payments (more than I was supposed to) as I didn't want credit to be totally ruined. So now I'm waiting on my 1099 statement of the interest I paid as I have to get my taxes done. This wasn't sent by Feb. 1st (isn't that the law?). They informed me that because it was never booked, they just never bothered to send me one.

At this point, I got a "supervisor, Carolyn. There was nothing but lies and she said things were mailed (again to wrong address even after I specifically said to the mailing address; she assured me it had and it wasn't!). So now, I asked to speak to her boss and I now got Steve. He seemed helpful and sent me new paperwork (finally right at 3.5%) which I promptly returned and he took next payment in 3/13 over the phone. Two weeks later, I looked and it said that I was still behind! I called him and he told me that it still wasn't booked yet! How long could it take?

Now this whole time, I was asking for my 1099 form which he said he would give me the number for their Tax dept. I called and they just sent me back to CS and the next guy said that they have no Tax dept! I got Steve back on phone and he told me that he talked to them and it would be mailed next week. Well, when it didn't come in the next week, I sent him an email and he responded that they weren't going to send it out until it is booked which he says will be done tomorrow! This is another lie from Citi! So I'm still waiting on both mortgage to be booked and forms to be sent.

I have never dealt with such clowns at a company before like this! I would love to be part of any class action lawsuit as they really hurt my credit and purposely try to get customers to lose their homes. Does anyone know the email address of anyone at the top of the food chain at Citi to make a formal complaint? I kept all paperwork and email in relation to this case. I will be looking for a new mortgage with another company soon as they book it. Feel free to email me any questions.

Yesterday, I received a phone call from CitiMortgage stating that the investor is not agreeing to such terms (which CitiMortgage and myself had entered when we first began the trial payment period back in August of 2012). The term of the loan will now terminate in 2034 and that at that time, I will have to make a balloon payment of $213,499.

CitiMortgage is breaching the legal agreement that we had entered when I initiated the trial payment period. Furthermore, this was also submitted per CitiMortgage’s request to the Chapter 13 judge which she approved. I intend to contact my congress person on such a matter, in addition to pass this information to the bankruptcy judge that signed off on this agreement. Please feel free to let me know if you see any other means to address this issue.

After sending back all the documents requested by FedEx overnight (on 2/23/13), I called to ask if I could cash the check yet. It's now 3/6/13. The representative from CitiMortgage claims said she didn't have the receipts and if I sent them again, I could cash the check. I went to my local branch and had them send the fax. After 4 faxes, I was told they still needed the documents from FedEx and I couldn't cash the check until further review! This is harassment - pure and simple. I have contacted my congressman and they agree. This money can only be released from the insurance company if all repairs are done. Citi sent an adjuster to my home to verify the repairs were done. Even my insurance company didn't do that. Still, they won't release the funds. I'm currently looking for a new bank!

CitiMortgage then proceeded with legal action. We moved from the property and cleaned it thoroughly. We called Citi on January 30, 2013, to let them know that the property would be officially vacant on 2/1/13. My husband and I were both inside the home on that date and inspected it and left it in very good condition. CitiMortgage had Safeguard Property Management enter the premises on January 31 and change the locks and damage the property (water damage from their winterization) and contacted our insurance company about the "said damage". Luckily, the insurance investigators are wise to Safeguard’s antics. We will be fighting this tooth and nail with the assistance and blessing of the insurance company.

CitiMortgage allowed their property management associates to enter our property prior to the date we allowed them to, change the locks (luckily, we got our stuff out), and then damage the property and try to scam the insurance company. We were lucky because we documented everything with pictures, etc. We also have a police report from an earlier date when a neighbor found our side door ajar (it was locked but seemed to have been picked - we lived in a very low crime neighborhood), with a possible unauthorized entry. Watch yourselves with CitiMortgage and Safeguard! They are both thieves and liars!

I then sent a email to (Jennifer). She said that I embellished my income and that her system showed an amount that was approximately $1,000.00 less of income a month and that it was verified (by who?). The number she had in her system was incorrect as I was looking at my 2012 W2 and knew for a fact that they had it wrong. I sent more than a dozen emails asking her to correct it, telling her it was wrong but she ignored my requests. I was then told someone in another state was processing my loan. I had to resubmit all of my paperwork to that processor, who then told me it is back in line with underwriting and that they have now extended my rate until the second week in March, so not to worry. If it goes beyond March, they will extend it again at no cost to me.

March? April? We're going into 5 months. Today I contacted the second loan processor's supervisor in NV. She assured me that it will be reviewed by the end of the week. No idea if it's just more BS or what.

In mid January 2013, they told me that my DTI is higher, and we have to show more income. Since 2012, I worked more and had increased my pay. I asked my employer to give me my W2 early so I can show them. As I mentioned, they pre-approved us stating that they need a 38% DTI. Now, they switched it to 31% DTI. I gave them all our current W2 stating the higher income, and now, our DTI were good to go. There was no problem. When I called Citibank, there was one agent who told us that our loan has been approved and it is now ready to close. ** is preparing our closing papers. After one week, Melissa called us and told the underwriter that they want our 2012 tax return. What? I told them we haven't filed our tax return since we don't have all the statements from our mortgage company, bank, etc. How come we can file?

In the meantime, they kept asking a lot of documents. I am a very organized person and I kept sending the documents within an hour of their asking. They were taking their sweet time and purposely delaying our loan by not replying to us. Our rate was supposed to expire on February 4, 2013. Luckily, I have filed my tax returns on January 25 and told them about it. Now that they know they have no argument, they came up with a new thing stating that we have to pay $200 each day until the loan is closed. What? Now, they want to extract money from us. ** refuses to forward our tax documents until we sign the consent to pay $200 everyday.

That was too much because it took them 4 months just to reach a point where they are still waiting to approve us by the underwriter. It was not a matter of 1-2 days. It could take another month since the underwriter still needs to review our tax returns, and if she approves us, then that’s a lot of days for closing. By this time, I had enough of their demands and their most incompetent service. Now, I want the money back which I paid for the appraisal ($850). Sure enough, nobody answers my calls. Their main number is saying, “We can email our supervisor who will call you.” Sure enough, we haven't heard from them. I wasted 4 months with them. Now, the interest rates are high. We wasted our time and money with Citi. I hate them and those 2 persons. I really wish bad for them. Don’t, don’t, don’t go with CitiMortgage.

Today is February 1, and we are apparently no closer to signing the contract. I had told them that my patience was at an end and that I wanted the contract here to sign by the end of January. It didn't happen. So I called another company that I had considered when I chose to stay with Citi, and they approved me in one day. They will have the paperwork here tomorrow, and they assured me that they will close in 15 business days. It is the exact term, rate, and type as Citi had offered. I hope someone puts a stop to this unfair treatment of people. We have been obliged to continue to make payments $170 per month, higher than their quote, because they would not get the paperwork done.

I was told the by CitiMortgage the best they could do was 3.1% on 10 or 15 year refinance and the closing cost would be $3,000 plus. My credit score is around 800, never been late on payments, no bankruptcy, no equity taken out and great home equity. I was shocked at what they stated and how they are unwilling to work with an existing customer. CitiMortgage is one of the most uncaring and greedy companies I ever encountered and cannot believe our government lets them get away with this. What is wrong with the refinance business when our government allows these companies to continually take advantage of its customers? It should be a very streamline and simple process to lower your interest rate on an existing loan when there is good to great credit involved.

It appears to me the only thing CitiMortgage and banks like them need to do is make sure there are no liens or judgments against the property, charge a small processing fee and lower the rate with a new loan term. The cost for such a refinance should be a $1,000 or less but in turn, our government allows too many to have their fingers in the consumers pocket and run costs and fees 2 to 4 times higher than they should be. It appears our government is not about “We The People”, but is about greed and corrupt companies first. It makes me wonder why I ever served in the military. I thought it was about protecting our rights and freedoms but now I know that isn't the case. It is a very sad day in the USA to see the continual wrong that our government just turns a blind eye to.

At their request, I submitted the proper documentation showing that one contractor was due about 75% of the funds and I was due the remainder because I had paid 2 of the contractors from my personal funds. Instead, they issued one check to the contractor with the balance for the entire amount which included my funds. It took 2 weeks for CitiMortgage to issue the incorrect check. When I called and complained, they told me they would put a stop payment on the incorrect check and it would take about 5-7 business days for the funds to be redeposited and the correct checks issued. This process has taken over 2 weeks because they felt they had to control my claims process. This has not been resolved.

I understand they have an interest but once they were informed that the work had been completed, they should have allowed the insurance company to issue the remaining funds to me and the contractor based on the final invoices and my signed client completion certification. Because I advanced my funds and have no income coming in, this is causing me unnecessary hardship and stress.

Well, we finally told them we have sent everything about 12 times and was not sending anymore. They still kept sending letters. Needless to say, we got nowhere. They ended up foreclosing on us. I guess they wanted our house more than we did. I had kids living at home at this time which is very hard to tell your kids that we have to move. My husband lost his job and had to move to another state which is why we're asking for a modification in the first place to try to keep our house until we could sell it. But Citi would not work with us at all. I will never use Citi again and have told everyone about them.

However, after submitting all required paperwork and following everything they asked us to do, which included signing necessary paperwork in my name, tax forms, and trial payments which exceeded the three trial payments, we were finally approved for the modification and then quickly denied because we were not the original account holders. After learning that we were denied the modification, I contacted the North Carolina Commissioner of Banks and submitted a complaint to find out if this was legal. NC Commissioner of Banks put CitiMortgage under investigation and wanted an explanation on the matter. CitiMortgage responded by saying the denial was due to me being unemployed and put me on a forbearance plan for six months until I was able to obtain a job. At that time, they would approve me for a modification. I was able to get a job with Charlotte Mecklenburg School and proceeded to contact CitiMortgage. After multiple attempts, they would not take my calls because I was not the account holder. This truly disturbed me because prior to the forbearance plan, I have been able to be in direct communication with CitiMortgage since the beginning of our loan.

Unfortunately, I had to contact the NC Commissioner of Bank and submit a second complaint because CitiMortgage refused to talk to me. I had made numerous attempts to contact CitiMortgage to discuss our situation but could not speak to anyone directly on this matter. CitiMortgage responded a second time with an apology for lying to the NC Commissioner of Banks in which they said they advised me the reason for denial was due to unemployment; the correction is they told NC Commissioner of Banks that reason in their first letter dated a year prior. They informed us after approving and then denying the modification that the reason for non-approval was because we were not the original account holders.

They never told us it was because of unemployment. The first we learned of it was after the complaint. They also informed the NC Commissioner of Banks that the account holder of the loan’s (Ms. **) credit was verified as part of our approval process procedures. I received a letter from HAMP stating the non-approval for our request for a mortgage modification was due to credit of Ms. **. Lastly, in the letter address to the NC Commissioner of Banks from CitiMortgage, they stated occupancy is one item that is reviewed. I informed them in the first few sentences of the hardship package and in several other forms that my grandmother never resided at ** Charlotte, NC 28215.

After the complaint, I was able to speak directly to Margaret **. Ms. ** had me submit pay stubs, bank statements and a workable solutions application to once again be put through the process. I was informed that the modification was declined because the loan is an estate and they are unable to do any sort of modification. During our conversation and knowing the history of CitiMortgage, I requested an email from Ms. ** of our last conversation in the options she proposed to me. In the email she stated, if I wish to retain the property, we can work on a repayment plan to bring the loan current. The other option is a short sale. In the letter from CitiMortgage to the NC Commissioner of Banks, they stated Ms. ** offered to be reviewed for a repayment plan or a forbearance plan, but Ms. ** declined. I certainly did not decline the offer; I was never offered a forbearance plan.

During the last year after receiving a letter stating that our loan had been referred to a legal firm to begin foreclosure proceedings in December 2011, I have been emotionally damaged and continually stressed. Shortly after receiving the letter of foreclosure, I developed ganglion cyst and could no longer work. I once again am not able to speak to anyone at CitiMortgage. One of their representatives informed me that it specifically said not to speak with me. CitiMortgage calls my phone on a continual basis, sometimes more than once a day. It’s very hard to answer the call knowing they will not speak to me. I was informed that it’s on a computer system and that’s the reason for the calls but CitiMortgage will not discuss the loan with me. Since then, we moved out of our home into a rental house where my children who loved their home and neighborhood are extremely unhappy. We had to adopt out our two dogs which was extremely hard on us being that they were a part of our family. I recently received a letter of a court date that I accidentally mistaken for a different date and missed my court appearance. I really feel being there would have done nothing for my case due to all that has occurred with this modification.

On October 14, 2012, I wrote a letter to the legal department of CitiMortgage informing them on how displeased I was on how they handled our modification and requested a response. On November 16, 2012, I received a letter from the Homeowner Support Specialist Aisha ** informing us that she would be our primary contact during this process. On November 20, 2012, CitiMortgage completed a thorough review of the account; and based on the review, there will be no change to their previous communicated decision. On December 19, 2012 at 3:45 pm, I received a phone call from CitiMortgage, but unfortunately, they could not speak to me because they had no letter of authorization on file. During the first conversation, I was told that I would receive a phone call from Ms. ** because she wanted to speak with me.

At 5:28pm, I received a phone call from Ms. ** but again because they had no letter of authorization on file, she stated that she could not speak with me in reference to the account. I mentioned to Ms. ** that I have had direct communication with CitiMortgage from the beginning of the loan and had paperwork with my name on it, and unfortunately until recently, I was unable to talk to anyone at CitiMortgage. During the conversation which lasted ten minutes and thirty eight seconds, she advised me that she would contact my grandmother’s lawyers to retrieve the letter of authorization and would contact me at a later date.

I am utterly dissatisfied and disappointed with how this modification was handled. This has put a tremendous stress on my family. I have submitted this complaint to the NC Department of Justice and have not to date received anything on this matter. I have also sent our complaint to OCC and FTC, and I will be sending our complaint to the United States Department of Justice. I hope I can speak to someone in regards to my issues with CitiMortgage. I have document showing all of the discrepancies and lies from CitiMortgage and will provide any document upon request. I would like to know if we are victims of predatory lending or of consumer fraud, because in short, we were lied to and/or deceived. Thank you.

In September, they sent my file to foreclosure so now I have attorney fees on top of late payments. Two weeks ago, the support specialist escalated my file to her supervisor again and lo and behold, I get a letter thanking me for inquiring about a modification and this is the paperwork we would need to get started. I called again to complain to which a supervisor escalated my file to the executive team who overnight decided I could have a repayment plan if I gave them $3800. The rep acted surprised when I explained that was too much money and could not explain why they couldn't do this last year.

So now I have to start the modification process for a third time and no one at CitiMortgage can understand why I am so angry. I believe they delayed the repayment plan so they could get more money. I also am told they get government subsidies for "helping us." We need to find a good lawyer and start a class action suit.

You can't talk to anyone who can actually take care of anything, just poor brutalized CS people who try their best but don't have any power. You ask for it to be escalated to a supervisor and no one ever contacts you. Now, I'm into month 6. Go to a local mortgage broker if you want to lower your rate. Citi can't even get copies of documents they already have in your mortgage files. They won't answer your questions and you'll end up faxing the same stuff over and over and over and ... you get the picture.

After a month of no communication, we called and learned that the file person was promoted and the file was transferred to Michigan. Now, it’s October and we were told we were ready for closing and it would happen in a week or two. I questioned, “Should I pay the mortgage for this month as I have done for seven years without being late since we are closing?” I was told to hold for a week or two. A month later, we called to find when the closing would be and was told they had no answer.

Now, we go back to the commercial property storyline again and I answered the same questions for the third time. At this point I have spoken to over a dozen supervisors, etc. On the last day of November, I questioned the holding of my mortgage out for 2 months and called to see the new status. I received a call later that evening to say we did not qualify because we had not kept our mortgage current. What a scam. I was advised by the company and then denied for following directions. For seven long months, Citimortgage put us through hell and then said, "I'm sorry."

It's now 11/27/12 and yesterday, I received a letter UPS from Citi requesting information that was sent to them 3 weeks ago. The prospective buyer's agent asked my attorney to ask Citi for an approximate closing date as he is applying for a mortgage. So far they haven't approved a Short Sale, at least in writing. I have been going through this since February 2011. I have called my Congressman and he said he'd get involved on my behalf. I'm not asking for anything but fair treatment from Citi. This buyer has been more than patient, but I'm afraid that he'll walk away due to Citi's negligence. Short Sale? Not when it takes 8 months! Do I have any recourse at all?

will be hit with. And pray to God Almighty that He sees fit to ruin their company and the people that condone such activity against the defenseless and trusting consumer public.

Then a month later, they came back and asked not once, but twice for additional documentation of information I had sent back in August. Huh? This, after the loan modification was approved? Really? I felt like they were just trying to wear me down by being incompetent and disorganized. But after reading all of these complaints, it's starting to feel far more calculated and sinister in nature. There has got to be some sort of class action lawsuit we can all be a part of to end this crap. All of these stories - with so many similarities - smack of illegal practices and underhanded "stalling" techniques in order to break people when they are at their most vulnerable. I sit here after nearly 5 months of game playing, no further along in getting help than I was back in July. I am frustrated, angry and losing hope.

In June, I wanted to see about refinancing. Because I was not living in the home, hardly anyone would refinance it for me, even though I didn't have a choice not to live in it (again, active duty service, but no one seems to really care about that). Anyway, long story short, even CitiMortgage said they wouldn't, until I brought up the HARP Program. From here it seemed things could turn around, until the paperwork process started. It has been nothing but hell and a financial hell inquisition since. I want to stress that at no time have I missed a payment; in fact, I increased them and even doubled my income while eliminating over $20,000 in debt. However, CitiMortgage continues to act as if I’m going to screw them over, asking for information and proof of things they could very well get from my credit history and references I have provided them.

Well, every time I did it (all 3 times), something went wrong! I didn't think anything of it the first time - anything can happen. But every time?! Usually, two people tell me everything is fine, my paperwork is great and I'm all set. But the thing never goes through and I keep getting mortgage bills with that payment still included plus late fees. I have to call and complain and about three months later, somebody does something about it. I am currently in that situation right now. This is the third time now. No two people at CitiMortgage seem to know the same things. And one person puts my info into the computer and the next person says it's not there. This isn't the most difficult thing they have to do. And yet nobody can seem to do it right the first time. I have a small music business. And if I handled things this way, I would have no business.

Reading all these complaints and adding my own, I don't understand how this company stays in business. Like I said before, no two people seem to know the same things. I had a loan modification through them not because I had to but because I had a 3-year ARM mortgage and before I could refinance to a 30-yr fixed, the market tanked miserably! So, it seemed the only way I could get a fixed-rate mortgage, and lower interest, was to get the modification. It was horrible! It took 14 months total! I tell you, if you haven't had enough humiliation in your life, get a mortgage with CitiMortgage. They'll take care of that for you for sure! I'm currently trying to get away from them. Wish me luck!

Just this week, I received a letter from CitiMortgage stating that they have sold our "Mortgage" to another company and we would have to deal with them now. What the heck! This is ridiculous and these people need to get their heads out of their butts. I have had a nervous breakdown because of the stress this has caused me. We don't know from day to day if we are going to be able to keep our home or have to move. This is very disturbing and just not right. Can't anyone do something about this company? They say they want to help you but it is just a lie. I thought Obama was supposed to give companies money to help people in these situations!

As I have mentioned to numerous representatives with CitiMortgage, my clients charged off their loan with Citi in August 2011. Citi states that it was sent to Fannie. Fannie states that the loan was no longer with them as of August 2011 and that Citi must know who the loan was sold off to. The clients' credit report and title reflect Citi on the second; however, when I have called Citi (which I have done for over two months almost daily), I receive a number of responses, including being sent to a general customer service number, being sent to Fannie, Freddie, a short sale department, etc., and none of these can assist. From what I have read online in short sale forums and from what I have heard from Fannie and from a few people at Citi, the Recovery Dept should be able to assist me but when I called the Recovery Dept., it's a craps shoot - sometimes they just transfer me to another department after I give them the account number and refuse to listen to my clients' situation. Sometimes they hang up. Sometimes they say that I need to call Fannie (again, they either hang up, do not care to listen or just transfer me to a random dept).

Needless to say, it's been really difficult and I am just at a loss on how to move forward. The online forums and Fannie states that I should be able to resolve this with the Recovery Dept. The online forums say that it's an ongoing battle though and only one person has had success with this type of situation on the forum. Again, any assistance is truly appreciated. I have attached the fully executed offer, the approval from the first (GMAC has advised that they will provide an updated approval once the situation with the second is resolved) and the clients' last statement from Citi.

I have left a number of messages with Tanika at the Recovery Dept at Citi - I have been told that she is a manager and can assist. I spoke with her once and she advised that the loan is with Fannie but this is not the case. Fannie no longer had this loan as of 8/2011 and apparently this is the case with Citi as well but someone should know where it was sold. There has to be some paper trail on which investor(s) bought this loan and I just cannot get anyone on the phone that will even listen to my clients' case. I have also sent emails and faxes and I cannot get a response. Again, I truly appreciate your assistance and my clients do as well.

Last week I received word that the loan request was being cancelled by Citi because, ostensibly, I had not provided the requested information. This is right after I was assured that everything was in and the loan was being processed. The last email I received from the underwriter was, "Let me look through it again before you send anything. I did not ask the processor to send this out and make any request until I have looked through it." Thanks.

I've just had a somewhat surreal conversation with Ms. **. She kept saying the loan was cancelled because I didn't provide this or that. I kept saying, "yes, I did." It was like talking to a wall. If you want to stay in business doing loans, I strongly suggest someone look into what happened.

Basically, my feeling is that there's a strong streak of incompetence running through the operation. Whenever I was asked for documents, I responded promptly. I either faxed or emailed the requested docs. I mostly used email because my experience showed that faxes disappeared. By now, I've sent every document multiple times. There was never an acknowledgment of document receipt by Citi, but then I'd get a threatening letter that the loan would be cancelled because the docs weren't received. So I'd send them again. Sometimes the request was vague and I'd ask for clarification. Mostly I'd get no answer, until the threatening letter again. And these letters always came late. Occasionally, I'd get an actual email from a processor.

But mostly there was silence, long periods of no activity, no communication, until a rushed realization that there was a need to clarify some obscure and insignificant piece of data. On top of that, I got the feeling that your staff didn't understand your own internal rules and requirements regarding refinances, or Fannie's rules. It also seemed that my file was being handled only a few minutes at a time. Find a problem, stop. Nobody seemed to be looking at the bigger picture, that this was a small loan to a no-risk borrower and that the focus on minutiae was not serving any purpose.

Oh, the loan was cancelled once before, earlier this year, so we were on the second iteration. That had to do with properties I have in France, and the difficulty of getting documents from French banks, which seem to be even less customer-focused than Citi. Once Citi finally clarified what it really needed and the French responded, the loan application was restarted. I thought that, because you now had all the paperwork, this time it would go quickly, and I was even assured that special emphasis would be placed on getting it expedited. Ha!

I'm not a novice at this. This is not my first loan or refinance. While this was going on, I managed to get two other refinances done with Wells Fargo. That didn't go without hiccups, but it got done in short order. I've again contacted Wells Fargo about doing more, and they actually apologized that their refinance process is stretching out to 90 days! I could cry. Something is wrong at CitiMortgage. If you want to find out what, this loan application is a good place to start investigating. I'm at your disposal.

How in the world anyone would use them is beyond belief. I'm sort of locked in since the house is underwater and I am self employed. Excuse after excuse, request after request. It goes on and on. They will not bring it to a close. I think this is their way of getting rid of what they might consider problem loans which mine is not. I'm just looking for a little relief. I am using any resource that I have to stop this abuse and force Citibank to stop these tactics. Please, please use anybody else but Citibank. If you can put the screws to them, do it as they deserve it. If one company deserves it, they do!

I'm so disappointed that CitiMortgage does not care to repair a home they have a stake in. In my opinion, CitiMortgage is jeopardizing both the livability and the repair-ability of our home as time goes on and our home is not repaired. I'm at my wit's end with this company that refuses to send the funds issued to repair my house. These funds were not intended for CitiMortgage to sit on for 5 months. I'm so tired of them dragging their feet while forcing us to deal with their rude and useless customer service departments that do what they can to delay the process further. Based on my experience and those posted online, I can only assume that CitiMortgage does not care about any customers.

The current offer finally got approved and now we can't get CitiMortgage to cooperate. Every time we call, it is a new story, a different excuse and a need for more information that we have sent repeatedly. I don't know where to turn at this time. The tax laws for short sale will change at the end of this year. My husband and I both have had serious health conditions (cancer and pulmonary embolism for him and chronic fatigue and fibromyalgia for me) and although we are both employed full time, we can no longer care for this 30-year-old home. The house needs repair, updating and it is more than we can physically or financially handle at this time.

Okay, so we arranged a repayment schedule with them (yes, including some penalties) and paid extra for six months. Three months ago, we reverted back to the regular monthly payment. Now, I get yet another letter from them telling me I'm two months behind in my payments. (I have bank statements proving they were paid.) Citibank has again added fees and has reported this to the credit bureaus plus they claim they're going to conduct an exterior inspection for which we will be charged. I got them to send me a payment history and their own records show all the payments. There is more garbage on this schedule than I can count. November alone has 21 transactions. There are numbers that make no sense. What is a single receipt and that have late charges applied to them? How do they get away with this?

Today, for the first time, I talked to a rep who was actually helpful and with the help of his manager, they finally admitted that they had made a mistake and applied my payment as an interest only payment and not as a regular payment. You would think they would fix this. No, not Citi. Although they admitted it was their mistake and admitted that the person who initially took my call should have fixed the error 2 years before, they now say they cannot fix the error because it has been too long and I owe another house payment of $1,200 and all the fees over $1,600 incurred over this time. If I don't get on a payment plan, they said they will continue to charge me fees. All because they made a mistake.

Every time I called in, I was told that the escrow was opened because I applied for a modification, and I had to explain numerous times that the only reason I applied was to get the loan modified. After about 6 months of fighting to get the escrow account closed, I continued to pay my mortgage because I wanted to keep my account in good standing. (I had late payments about 5 years ago but got current and still remain that way.) Now this year, my mortgage is steadily increasing, because of the adjustable rate. I decided to apply for a modification under the National Debt Settlement. I was told I qualified for this option because my account was current. I was then told to fill out the expense report and was assigned to Homeowner Support Specialist Patricia.

This person contacted me on June 6, 2012 and stated that she would call once per week to let me know whether or not there was an update to my file and that I do qualify for the settlement. I have not heard from this person since. I have emailed her (She has read each one.) and called, and her extension is not valid. Even the reps I spoke to tried, and they told me to keep emailing her. However, I received a letter stating that my income is too high to have my mortgage balance settled, in which they used gross income and that was even overstated. I did get an approval where they would modify my mortgage from $1211.24 to $1651.45. They are doing me a favor by adding a $600.00 escrow again.

Yet, if I do not accept this modified payment as of September 2012, my mortgage, which is now $1211.24, will be increased to $2,125.79, because they will still do me the favor of adding an escrow to my account in the amount of $914.55 per month. I believe that I am being forced into a loan modification or foreclosure. I can't refinance, because the loan is upside down. That was the reason I contacted them for help in the first place. I'm not sure what to do, but I am about to start looking into bankruptcy.

As of today, July 13, 2012, the money has still not been returned to my account. I have tried to lodge a complaint with the executive response team at Citi, but no one has returned any of my three calls. I have had to borrow money to get through the week, and my refinance is in limbo. I am very angry about being treated this way. I have always made my mortgage payments on time, never late. My credit rating is in the high 700's. I don't understand this kind of abuse. No one should be treated this way.

Citibank is vicious, greedy, terrible with customers on the phone. The employees are not very bright when it comes to understanding customers' problems. I highly advise any consumer to stay far away from Citibank for any financial services. We are in the process of refinancing our home back into a lower fixed rate with just one mortgage, and believe me, Citibank is not even being considered no matter what their rates are!

In the meantime, actually CitiMortgage (without any agreement with us and our instructions not to send money to Florida Peninsula) sent one year's premium to Florida Penisula. It seems that behind our backs, during the estimate that Megan contacted CitiMortgage, without notice from either CitiMortgage or Sandbergen Ins. (not a phone call, email, letter, etc.) set up an EFT from our CitiMortgage escrow to Florida Penisula via Sandbergen Insurance on June 13, 2012. We are seeking other homeowner's insurance as we were instructed by CitiMortgage, we didn't sign any papers nor other acknowledgements for Megan. In fact, on about June 4, 2012, we put a hold on any escrow payments to Florida Peninsula by calling (1-800-442-8774) Property Ins. Correspondence with our lender, CitiMortgage. We have a fraudulent scam unfolding, Sandbergen Insurance (possibly in Tampa, Florida) via only an inquiry to estimate with Megan **. One year's escrow savings is missing!

CitiMortgage customer service manager Ruthie ** (Property Ins. Correspondence) at (1-800-442-8774) did confirm today, July 9, 2012 that the escrow account has been turned over to Sandbergen Insurance on June 13, 2012 (EFT). All our money is gone to a non-existent insurance account without our consent or knowledge of thereof. Ms. ** was reluctant to help us by denying the previous instructions given by CitiMortgage representatives through Property Ins. Correspondence. Ms. ** let us know that the money is gone. She tried to start selling us insurance for Florida Peninsula as a good bargain.

I called CitiMortgage and they told me we were eligible for a modification. Over the next 10 months, they kept stringing us along. I filled out their application and then was told about 5 more documents they wanted. I obtained them and faxed them to the first reviewer. I ended up faxing 20 pages of documents nine times to nine different reviewers in that period of time. Each time, being told that if I would get that information to them, it would be ready to go to the underwriter and that everything was looking good to get the modification. I struggled to make those payments for the first 3 months of 2011, but was having to let other bills go to do so I contacted them again.

They said not to worry, that they didn't usually give the accounts priority until the client was behind in the loan, so they should be making a decision very soon. Seven months later, after sending all of the requested information to them those nine times, I called to find out the status as we had received notice that they were going to foreclose. I was then told not to worry, that they would just move the foreclosure action to a later date and we would likely get the modification before that, which would nullify the foreclosure. Three days before they were to foreclose, I called again, panicky, only to be told that the modification had been denied and the case was closed. I asked why and they said because I hadn't faxed the requested material, which was an out and out lie. I had faxed that information 9 times! Really? They get to do this with no consequences? Apparently, we lost our home!

I am a victim of a 2009 flood and lost all of my belongings and everything from the waist down had to be replaced in my home. We had no flood insurance because we are not on a flood plain. Even through all of that, we kept our house payment current and didn't walk away from the disaster of a home we were left now. How could CitiMortgage close the refinance on my home and then decide 30+ days later the loan didn't go through. I am underwater in my home, but want to stay and have spent approximately $60,000 on repairs to date. I am a victim of a natural disaster and fraud by CitiMortgage. Help me get them to honor the contract we signed at closing please.

First of all, I should have never had that late charge affixed to me. In March of that year I withdrew $5,000.00 and placed it into my checking account and I called some people at CitiMortgage and gave them my routing number and my account for SECU. I explained to them that my banking was changed from M&T Bank to SECU and that I was on the bi-weekly advantage plan and hope that information would get to the right party. It wasn't until sometime in April when I got a check from Advantage for $634.00. When I called them to inquire what was the check for, they told me that I was cancelled due to having insufficient funds in my account, which was still at M&T. At this time I am very angry that this could happen when I work so hard at trying to get and keep my credit in good standing, which was the reason that I enrolled in the bi-weekly pay in the first place. When I make my monthly payment, it was to CitiMortgage and that’s why I called to explain the changes that were made.

We have all the documentation to prove how the problems just snowballed, anyone else face these challenges? Our past loans with Countrywide, Saxon had no issues, great credit. We had a 15-year loan to pay off so we can retire. If we lose this battle, we lose everything at age 56. We will not give up and they will not get our home. Let us know if anyone else has had major nightmare with this Freddie Mac nightmare. Government bails them out so they can take our money and homes, great job federal government.

This is my first house. I've paid my first new car off and have become a conscientious and responsible shopper. My house means a lot to me and I don't want a bank to own anything more than they should. Especially a bank that I am not even doing business with. They obviously screwed up things or they wouldn't have had to give my note to someone else. I don't think that I am asking for something that I don't deserve or isn't mine. If anyone can let me know if this has happened to you, I would appreciate to hear from you.

I am very angry with this fly-by-night business, and after reading the other reviews, I see I'm not the only one. All people want is a fair shake and to stay in their homes. Anybody who wants to do anything with this company, like someone said, run because these people lie and they hire people to lie for them. I even had someone from another company representing them sneaking in my backyard after dark taking pictures (really)? I called them the next day to complain and have heard nothing. I am going to tell everyone and am calling everyone to get someone to do something about this unfair treatment of customers. We all want to keep our homes, but no one is listening.

During all this, I received a sheriff sale date for May 24, 2012. When I called Citi, they said they're still waiting on a decision from the underwriters and I had to send them more info which the process starts over again 30-45 days which would be after the sheriff date. Never before have a cried on the phone to a customer service rep but this company had me so upset. During this entire process, I advised them of money I had saved, a raise I received in April to help my future payments, etc. Well, a friend of mine told me about a non-profit Michigan program. I called them and started working with them on a modification. I sent them all the information requested and within two weeks was approved for a modification on my past due balance owed to Citi and escrow. I was denied a modification from Citi last week. I still have some unanswered question with CitiMortgage and the exec specialist I am to work with is still being so difficult still. I just don’t know what to do anymore. I don't want to sign the paperwork and accept the assistance from Michigan Step Forward if Citi is going to set me up to fail. Please help!

So, all this time while it is supposedly "being reviewed", no one ever advised me that I was in danger of foreclosure. CitiMortgage never called me, never sent me any letters requesting payment or letting me know my account was going to foreclosure, as they are required to do by federal law (at least with FHA mortgages). Yet the cops still were knocking on my door handing me a foreclosure complaint without any notice whatsoever. CitiMortgage is also required to contact me and review my account for modification before filing a foreclosure and again failed to follow the law. They never even made one attempt to contact me.

I am not sure how they continue to ignore federal law and just do whatever they want. I reported them to HUD, but my account still sits in foreclosure. I understand I fell behind, but I would have never let it get to foreclosure had I known. They purposely led me down the path to foreclosure and now want over $10,000 (including all these "expenses" which are not detailed) or my house, whichever comes first.

As I said, if someone would have warned me, I could have taken care of this long ago, but I was stupid enough to believe it really was being reviewed and fell for lie after lie after lie. I could go on and on about the gazillion times I called them, faxed them, emailed them, scheduled telephone calls to "discuss my account" and no one would never call, but I don't have all day. I'll save it for the class action lawsuit that I am sure will eventually be brought. I can't wait for the day when they have to pay out billions of dollars for breaking laws to screw people over.

I called talked to Tim. Of course, I didn't meet the qualifications. I'm not sure if anyone did after reading the long list on the back of the letter of eligibility requirements. But they would still give me a loan to lower my interest rates. I have given all my information (which took a lot of time). My credit report was pulled, which already had the information there. But I was assured with my good credit that I would not have a problem. After all, I have had a credit card with Citibank for 26 years and have had these loans that I wanted to refinance for 10 years. I was trying to refinance 3 rental properties that have almost 50% equity in them. I have paid extra on the principal for years. My Equifax score was 729.

Before we hung up, Tim assured me that he could get my loan though without bothering me. He was to lock in on the interest rate and I would not need an appraisal but there would be a small fee. So I gave my credit card information (Thinking all the time that the letter said no cost to me). I told Tim that I would be leaving on spring break and would not be back for 10 days or more.

Then I get a call saying that one property will need an appraisal. But he assured me that the other two did not. I met with the appraiser which was very hard to do. I had to drive 125 miles to the property. Instead of using a local appraiser, they called one that had to drive an hour to get there. We had no trouble getting in one side but the tenant on the other side was out of town to work and his wife work also. We do not go into homes without tenant at home. We gave the phone number of tenant to the appraiser so that he could call and set up another time. We call tenant and gave him appraiser’s number. They could not get though to each other for one reason or another.

When I got back from vacation, I had 12 calls from Citibank insisting that I get information to them or they would drop my application. When I talk to Tim, I told him that this was getting too complicated for me after he told me that the other properties need an appraisal because of the tornado that had come through earlier that month even though it was more than twenty miles from my properties. I told him that I would have roughly more than $2,500.00 tied up in the refinance if I had to do all that he had asked.

At that time, I told him to pull my applications. One by one, the denial letters came in with unfavorable reasons why my applications had been denied. When my credit card bill came this month, it had charges of $665.00, $105.50, $105.50, $75.00 and $75.00. That's a thousand dollars for nothing. I am sure President Obama did not intend for the government-sponsored home affordable refinance program to be used in this manner.

I would like for the information to be removed from my credit report. Also, I would like a refund of the money I spent for nothing. When I finish paying my loans and credit cards, I will never use Citibank again and believe me, I will pass the word around. I am sure Citibank will not do anything about the way things are handled in the mortgage refinance department but I'm sure President Obama and Governor Daniels would like to know.

Back to seizure of home, after many trips over to Parker Co with my papers in hand showing that my home was tied to the land and had been turned into real property, I discovered that Safeco Title did not process the paper work through the state and canceled the title to the home and changed it into my name. Safeco Title had gone under by then and after trying to many times and contacting each of the companies that had acquired their assets, none could help me. I also at this time was in contact with my new mortgage company, CitiMortgage, asking out right pleading for help in resolving this issue. This fell of deaf uncaring ears as this company was too large and did not care and outright told me this was my problem.

Downward spiral begins. Trying to keep Parker Co off my back by making payments for the school taxes that accrued in the previous owner’s name and at this time is when gas reached record highs. I had my homeowners insurance canceled again. I had never made a claim into any of them. But this time, I knew why. You can't insure something you don't own. CitiMortgage issues single interest insurance payments jump from $780.00 to $1,100.00 plus the tax payments to Parker Co.

Now, I'm constantly asking for assistance in resolving this issue, drawing of deaf and blind caring companies, real estate attorneys want my first born to take on the case to fix it maybe. All this and not once had I ever been late on a payment. But I was at the end of my rope and things/financial and physical health due to the amount of stress had reached a breaking point.

October 2009, I called and notified and emailed CitiMortgage to put me in default as I give up. Citi said why you never been late on a payment, all I said were look at my file and you have your answer to why. Well, we can't do that auto-draft, you have to default on payments and there’s a process you have to go through before default. Okay whatever, you have your notice, I can't fix it, you won't fix it, I'm drowning, I'm out.

Hard letting go of something you made your family dream. Invested into improvements, workshop, farm implements, and outright self sustaining living, paying cash as I went for everything, and then liquidating it all to have to move back to a rent house in the city. My total investment for the land and home was $87k. The tax appraised value for the land alone was $145k less improvements, this was a catastrophic loss. You can't sell something you don't own or insure and with all the mortgage crisis happening, I was left to fall into foreclosure myself.

But as I told CitiMortgage, hey you’re going to love this one. It's a diamond, you won't lose a dime but I lost a fortune and I now have this on my credit and I sit here stuck still in depression and I need help in resolving this so I can start over. I give up on the dream of living in the country as this has taken a toll on my health and I am unable to be the superman/dad I once was. But I still have to get something that I can call my own and have a work shop as this is therapy to me.

The place in Springtown just recently sold and as to no surprise, I owe nothing/never received anything as to what it sold for, but I'm sure they made money on it. I know if I could have had that opportunity, I would be setting almost mortgage free with the gain. Thanks Safeco and Citi.

When I filed for bankruptcy, CitiMortgage was one of the companies that were notified by my attorney about the bankruptcy. They then sent in a claim and requested for mortgage arrears to be paid. They then told my attorney that after the arrears were paid, I should still pay the mortgage on the property. Well now when I call them, I cannot get any information on what the balance is and they also do not have any evidence showing what has happened to the money that was received from the trustee. I would like to keep my property and pay the balance off over the next few years. They are not giving me information because no one seems to know what is going on. CitiMortgage is not helping me. Please help.

The bank took these payments for seven months. Then I got a phone call stating they made a mistake and the document I signed was for a much higher amount than the first loan mod paperwork they sent. They backdated the contract to the same day they received my original docs and took the notarized form from one document and put it on the new ones. It’s a notary fraud (backdating documents) and plain outright lying. I have a foreclosure attorney now, but I am currently talking with another attorney regarding a class action suit. I need a few other people in Florida that have been unfairly treated by CitiMortgage, which seems to be everyone of you.

This won’t cost you any money to be involved in this class action suit. We can only hope for the best. As a side bar, their recorded conversations by law have to be kept by the bank. Keep good notes on which you record the date time and whom you spoke with. I am not an attorney, just one pissed off consumer. If you are in Florida and would like to be involved in this action, please contact James at **. I will put you in contact with the attorney's that are going to handle this case on a contingency basis. I wish all of you luck against these ** and the mishandling of their fiduciary responsibilities.

My income is about twice the amount of the loan I was requesting and my personal assets (in a brokerage account that bears Citi's name, but which I am told, Citi does not actually manage) are substantially more. My credit history is perfect. I am employed at the United Nations. But for three months, the excessive and escalating requests for documentation (that played out over the course of more than 40 emails and a half dozen phone calls) from Citibank made me feel like I was under a criminal investigation. To document a deposit of $5400 in my personal banking account, I had to write to my bank for a copy of the check from 6 months ago and get a letter from my sister explaining that it was for the repayment of a personal loan. Documentation of unusual deposits, I was told by Citi, is a requirement of Homeland Security.

To verify my employment, it was not enough that I provided monthly and annual pay stubs, as well as income tax records, that my name was listed on my agency's website and that CitiMortgages Retail Lending Channel had received verbal verification of my employment. While on vacation, I received a cell phone call from Citi informing me that my Human Resource contact had not filled out the 1005 form (which had been faxed on earlier occasions to the wrong office, as I was told by a colleague who was alarmed to see a form with my name and social security number lying around by the fax machine for anyone to see), and that I would thus have to extend my application window at a cost of $18 a day.

But this week, after a process that has entailed two appraisals, patient documentation from my condo treasurer, several phones calls with my lawyer for a title search and the time and attention of my human resources office, I was informed that the condo itself would not qualify for a loan (even though Citi already holds several mortgages on it). The reasons given to me are that one couple owned two of the nine units (which account for less than 20 percent of the residential square footage) and because we had not conducted a reserve study assessing the amount that should be in our reserve fund. Instead, as called for by our bylaws, we consistently keep a reserve fund equal to 3 months operating expenses and issue special assessments when extra expenses are incurred. The system has worked well since the building was converted to condominiums 25 years ago.

According to Don **, the supervisor at Citi's Retail Lending Channel, who agreed that I seemed to be a perfect candidate for a refinancing, the decision comes directly from Fannie Mae's decision engine and cannot be overruled by mere humans. That means, as far as I can tell, that none of the condos in my building have the possibility for getting mortgages and that thus, our investments in them, totaling close to $2 million, are, through the magic of the decision engine, are suddenly frozen since Fannie Mae is the guarantor of about 90 percent of all mortgages in this county (unless they could be sold to someone paying cash).

I am, of course, very frustrated by my own experience and by seeing the lower mortgage rates that were essentially dangled before my eyes, along with fees totaling close to $1,000 evaporate, I can't help but wonder if Citi is trying to get people to apply for mortgages to rack up more application fees, even when they have no intention of actually giving them the lower rates. But most of all, I am concerned about the millions of others out there, most of them with fewer resources than I, who have to go through the extremely frustrating refinancing process only to find out that some algorithm disqualifies them from taking advantage on what seems at first glance to be one bright spot in our rather grim economy.

Well, now that the second closing date set by Citi has passed, Citi now says that the buyers will be charged $40 a day beyond the second closing date to keep the process going. And no matter what, the middle of April they will move to foreclosure. Someone somewhere tell me why a bank would put that sort of pressure on the buyer, when the buy has nothing to do with how long this is taking.

When speaking with their rep, keep it strictly business and professional. Do not fall for the "personal treatment" because they are taping the conversation, and if necessary, they will use this as evidence against you. They are not your friends. Call the Corporate Office; not the Customer Service number. You want to speak with someone in the CEO's Office. Yes, you will be dissuaded from talking to anyone there, but keep pushing and maintain your professionalism. I formerly worked in Corporate Communications for a Fortune 500 company and anytime someone called corporate, it was a high priority.

Involve your state attorneys' office, Congressional and Senate Office (Constituency Services) and the Office of the Currency, which regulates Citi! Do not trust anything Citi tells you. They are there to make a profit; not to help you. Keep copies of everything you send to them. Keep all documentation they send you. Anything not signed is not a legal document. Yes, they know this is true.

Keep sending your payments electronically, if possible, on time. These lenders will tell you to stop sending payments until a repayment can be worked out. Don't believe them! This is an attempt to show the judge that you have not attempted to make payments. If they return your payments, make a copy of the check/money order, redeposit the check and resend. Keep resending your payments, which shows you are attempting to pay your mortgage.

Eventually, their lawyers will file for foreclosure on your property. But, the action will stop, if you pay their fees. Don't do it. If you made attempts to pay your mortgage before the paperwork was filed, this is an illegal action (Something the lenders and attorneys hope you don't know). Also, you should take this proof to court. The judge will harshly "rebuke" the attorneys. Eventually, your lender will continue to call and leave messages to "please call me." Don't! You want everything in writing in a signed legal document. No, they will not do it. Also, keep a copy of all voice mails. Never erase anything.

If you decide to speak with your lender, make sure you have a witness listening to the conversation who can/will testify in court. Your lender experiences something called "self-induced amnesia" in which s/he cannot remember anything. How do I know this information? I recently experienced everything described, followed the above steps and noticed that Citi and their attorneys conducted illegal activities. Basically, they filed foreclosure on my property, took my payments but did not apply to the mortgage, and wanted to "make a deal" with me to reinstate my mortgage if I paid their attorneys' fees.

Yes, the attorney filed for foreclosure after I became current on my mortgage, very illegal. No, I refused to pay his or Citi's fees, and I responded to their foreclosure action, with proof of payments I made in which Citi held "in a special account.” Magically, all of the fees were waived, and I will still appear in court. Yes, I am considering a lawsuit against the attorney and Citi for unethical behavior, and any additional charges.

When we initiated the refinance application there was no disclosure made concerning the style of our home. But now they say, even though they already have us a customer, that no, they will not refinance us. Our credit in this case is not important. If we can afford to pay $1,050.00 with twenty-two years more to go, we can afford to pay $950.00 with a new fifteen year note. But they'd rather keep us longer and make more money off of us.

We're battling now to recoup the fees already paid to them to start the refinance process. Certain employees (not all) lied and used deception. Then they stop returning calls and emails. It's long from over, complaints to HUD, the FTC and the state banking commission will follow. It is stressful 100%. Yet, they received taxpayer bailout money from the government. Now we're going to see if we have to sue to get back the mere $420.50 we paid out or as usual will it be a loss.

No fairness with this ruthless holier than thou company. It's really not the four hundred and some odd dollars, but the principal and the integrity, which this company lacks. But not going to do (not going to do it), allow these corporations to dictate now "what they want" in lieu of satisfying customers. Someone, somewhere, somehow has to care, you would think.

The refund was sent to me approximately $1300. I called in early February to ask who I should send the refund dollars to, and learned they paid my next tax pay that was not due until March. I went online and paid my March taxes, therefore the money that Citi forwarded was not applied to my account. Citi is claiming I owe them for both tax pays, and have not applied my February and March mortgage pays to principal and interest. I have been given incorrect info through the call center, and with the escalation department who also seems to be getting nowhere. I have forwarded documents showing proof of pay, etc. I am exasperated.

Citi finally gave us a whopping $200 off of our mortgage payment. We told Citi, with one income less than poverty level at this point, there was no way we could make that payment. We also asked how and why only $200. We could not get a good answer! Citi Mortgage denied us the opportunity to work with them and to keep our home of 12 years. We never missed a payment and had never been late! I also believe we were mistreated on many levels - race! They only help their own kind! I have proof of all this! To make matters worse, I've paid my CitiCard bill off monthly, never leaving a balance for 5+ years and one day, CitiCard lowered my credit limit without good cause.

That was my breaking point with Citi Mortgage and their credit card. Citi refused to help us in a time when millions of people are losing their homes. I'm seeking an attorney against Citi because I truly believe Citi had no intentions from the beginning to work with us and denied us the same opportunity as others. I've superior record keeping of all correspondence with Citi. Citi only benefits Citi and not the consumer! I do not recommend Citi Mortgage or CitiCard!

I've now received papers from their attorney stating foreclosure is starting again and they will work with us. What? Work with us now? Yeah, right. I've spent months faxing paperwork even after my husband started working again. I was begging them for help and spending time on the phone from one dept to the next. They were telling lies and misinformation. I would not recommend this company to anyone. Don't refi with them. They are thieves and don't care. My husband and I both are hard working and lost everything. Thanks, CitiNightmare.

I contacted the law firm that was handling the collections twice to set up a new payment plan but never received a call back. I assumed Citibank had written off the account since I had paid at least $5,000 at that point on a $10,000 balance. Today, four and a half years later, I received a letter from a new law firm saying I now owed Citibank almost the whole $10,000. I received no correspondence of any kind for the 4-1/2 years.

Is there a statute of limitations on collecting on accounts? Can they really now charge me almost $5,000 in interest when they wouldn't respond to my request for a new payment plan when they could no longer garnish my wages? This is worse than the local loan shark.

I requested documentation of past events and and explanation and was told that the recordings were the property of Citi. I feel that I am entitled to a copy of all the documentation leading to the current situation.

In June, they asked for $1789.50 for my new payments that were to start in August. I even had what I thought was the new proposal for my loan. Fast forward to November, now the underwriter for Citi needed info and I had a new specialist. This time Citi needed my son's birth certificate, which I gave along with more of the same info. On December 1, a family friend came over and asked if everything was okay. The sheriff's sale was set for the 14 of that month. I was not able to get a hold of my specialist so I called that group who then called back. This time he asked for the foreclosure attorney, calling me back telling me as long as the underwriter had my papers the sale was stopped. This was the 6th.

On the 13th, I received an e-mail from my specialist telling me she needed to talk to me right away. It seems that the underwriter still needed copies of my info (including my son's birth certificate) and that the sale was still on. The group helping me fell of the face of the earth and now I was really losing my home. I was just sick. I quickly sent the paperwork (same stuff) again. I called the real HUD and they took my info and again tried to get the sale stopped. Too late, the sale still went on (Citi said FreddieMac didn't want to postpone it). I called my local congressman, told them my story and they tried to help me. I got a new review with a new specialist. The other one wouldn't even return my calls or e-mail. I was now headed into the redemption sale. (I didn't even know I was in redemption). This sale was set for February 1, 2012.

On the 19th, I was turned down again. I lost my battle. This was a farmette and I found someone who took every animal so they would stay together. We didn't have a place to go and we were not even been told by Citi how long we had to get out. We found a place to go and got out what we could before the first, leaving behind a lot of our things. The sale took place. The judge didn't even tell my husband how long we had to get out. I wrote him a letter asking for time to get everything out. He told my husband that he got my letter and did a lawyer get a hold of me . Not. I hope CitiMortgage is happy what they are doing to the American people.

Now, this money that is to be given to people who lost their homes, great. Good for them. $2,000 sure would be nice but not for us. FreddieMac was our investor. I was even told by the new Citi specialist that he had to look for all my papers. CitiMortgage wouldn't even tell me why they wanted my son's certificate. Everyone I talked to asked why. They never heard of a lender needing birth certificates from anyone. I sent 321 copies to CitiMortgage at $1.50 a copy and they were mostly copies of copies. CitiMortgage in my eyes is just as guilty as the people that scammed me and they didn't even care. I don't even believe the underwriter really looked at my case at all. CitiMortgage, just remember what comes around goes around.

So, I went along paying my payments early, every month. On a weekly basis, they would lose my paperwork or ask that I keep sending updated information or information a slightly different way. This was extremely stressful situation with their constant calls, letters, registered letters, emails and texts. It seemed every time I called, I was given a different answer. I would also call and be sent straight to voice mail or sent to nonexistent extensions.

After 18 months, my request was approved and over the phone, my housing representative and I talked on speaker phone to a rep from CitiMortgage and a new payment was negotiated that was reasonable and I could afford to keep up on my payments. I was told the contract would be sent out in the next week. When I received the contract, it is for over$100 more than what I had been quoted. My housing rep was on vacation.

I called CitiMortgage who said that the deal was the best they could do and that I needed to sign and send it back to them within days or it would be voided. Stupidly, I fell for their "bait and switch" con, signed the contract and sent it back. After about 5 months of paying, I received a notification that CitiMortgage was filing foreclosure! They stated that I was in default during all the months they told me to pay $400 something, and I would have to pay almost $3,000 to get caught up or they would file foreclosure.

I could not believe it. The people in power at CitiMortgage are corrupt criminals that stole my American dream! I have disabilities and drag myself to work everyday and got no help from the government because I don't just sit down and accept free money from the government. Now, I'm suffering because I try to do the right thing. How do companies like CitiMortgage legally steal American people's houses? The courts appear to be right there with them, agreeing with them and allowing them to steal our houses!

My house is much better than when I bought it 12 years ago. Now, they are going to auction it for over $30,000, less than what I paid for it! But would they lower the mortgage for me--the one who has put all the money into the house and the one who has been a loyal customer for 12 years? No! They did nothing but kick me again and again when I was down and then ruined my credit! Shame on you!

I had tried to negotiate from the beginning but was denied any form of assistance. My payments began to slip and eventually I was around six months behind (approx. $4,200.00). During this time I filled out every paper for the banks requesting financial information, applied for every type of assistance and program they recommended, MHAP, HOPE, loan mod, refi, but I was denied at every turn. I managed to come up with nearly all the back payments. A check was sent to Citi in April of 2010 for $4,000.00 but they sent it back denying my request to keep the home. Finally after being totally frustrated and beat down by the system, I gave up and sent them a letter stating, since they seem so determined to keep the house rather than take the money or work any solution, they could have the house, deed in lieu, and goodbye. They then threatened me with all kinds of charges and fees and such things as you could imagine. I then asked a couple of questions like, “How is it possible that you appraise my house at $80,000.00, get me to buy it, take an ELC on it, and then a couple of years later say the home is only valued at $20,000.00?” No good answer.

Then I heard nothing for quite a while, nearly 2 years. I figured it was done with, and now last week I get two letters, each with significantly different amounts, saying that the mortgage was sold to them, and now they are trying to collect from me. Funny thing is somebody has been living in this house for about a year now. So, yes, I think I was scammed somehow but nobody would help except a lawyer and I have no money for that as I have been without work for over 2 years now and have applied for SS disability.

Finally, our case was given to a negotiator. I have sent him my paperwork twice in the last 3 days. The first time he said that I didn't send enough documentation to match my income/expense worksheet and that it was all disorganized. I don't know how the organization of it is my fault because it was given to him originally by my counselor. So, I separated it all out for him, labeled everything, and matched each item with the line on the income/expense worksheet for him. By the way, my 12 year old could have organized this stuff for him. He receives it, and replies "it’s a lot to go through". I asked for him to call me to go over it all. He replies that he can't speak with me on the phone and that email is all that is available. Insane! What in the world does that mean? I can only assume he is afraid to talk to me.

I am only sending in the information he requested. He says my income/expense worksheet seems inflated. I have 4 kids. He says that spending $800 a month on gas and food with 4 kids is too high. I didn't know it was his place to comment on my bills and expenses. My house payment was $1,300 a month and besides being late here or there, we had not had any real problems with our mortgage up until my husband lost his job. We are divorced now and that is causing a huge problem for my “negotiator”, which I kind of understand, but on the other hand, it doesn't change my ex-husband and my income and that both of us are on the loan.

So anyways, here it is a year later. We haven't made a payment the entire time. I tried to modify our loan so we could make payments. CitiMortgage said no. Now we have a buyer that wants to give CitiMortgage money for our house. It’s looking like CitiMortgage will say no again. I am sure that the amount the buyer is willing to pay is a lot more than what the house will sell for on the auction block. I can completely understand why the mortgage industry is going bust. If CitiMortgage were to pay me an hourly wage for the amount of time I have spent calling, faxing, re-faxing, emailing the same information over and over again, and being on hold for crazy amounts of time, I would probably have enough to pay back some of my missed payments. CitiMortgage would be getting their money from me monthly and I could stay in my home but no, they have drawn this out to over a year, killed an entire forest in paper products with faxing, paid their employees to do nothing but transfer phone calls, and ultimately get less for my house than they would have in the first place. Ridiculous! Does it benefit CitiMortgage for foreclose in some way, tax right off? I am sure my comments on this website are just more for me than any action being taken. Thanks for allowing me to vent.

I came to find out that I have never been approved for their program and it never went to underwriting first. I mean, really I can use their help but they would rather see you lose your house first.

In the 1st week of July, I received a call from Carrington Mortgage asking me who do I think I am, that I can stay in my home and not make a payment for 6 months. I explained to her that I had been paying every month. She was so rude I hung up on her and called Citi. They told me they had sold my mortgage to Carrington and that I would have to talk to them. When I tried to ask about the payments I had been paying and the second mortgage, they told me that the second one had been charged off. I got nowhere with them. The next phone call I got was from some collection agency saying that they were going to garnish my wages if I didn't make a payment.

So to stop any kind of legal action until I could get something straightened out, I authorized 1 payment from my checking account. They proceeded to withdraw $1625.00. When I called, they said no payments had been posted to the account. I want to know what I can do to get my money back and how these people can be stopped. I would hate for anyone else to go through the hell this company has put me through the last 6 months and the expense. They told my husband that I hadn't been making any of the payments which caused us a lot of problems, not only between us but also caused my checking account to be overdrawn by taking payments out.

CitiMortgage lied to us twice. First, to endorse the check they lied to us when they said they were holding the check, for what reason I never found out. Then they lied again when I found out they cashed the $15,257.51 check. CitiMortgage has been deceptive to us. They stole $15,257.51 from us and lied about it. Please find enclosed a copy of check number ** for check $15,257.51. Please help us to retrieve our money from CitiMortgage.

As a result, it caused us to have an unexpected $2,600 shortage which was applied to this year's adjusted monthly Escrow payments. The $300 increase is unreasonable since we were not notified of this until 1 month prior to the new payment schedule. This new amount will cause us a hardship. The representative from CitiMortgage indicated that they recalculate Escrows in December and our change did not occur until after that. The procedures should include a change to the Escrow amount when the mortgage company is notified of the new insurance. My agent notified CitiMortgage verbally and the new insurance company also sent them all of the documentation.

We have filed a complaint with the Justice Department in the State of New Hampshire. Apparently, Citi is not interested in working with the homeowner as required by the Home Affordability Act states.

While the check has cleared, I have no proof my property was part of the check copy I received. CitiMortgage has refused to help with any further documentation that proves my property taxes were paid. They have not given my a 'date' when this will be resolved nor when I would receive the money owed me in the sum of $1,912.49. I've called the Orange County Tax office so many times to follow up. They know my voice when I call. The more I try to escalate this case within CitiMortgage, the less helpful they are. The last rep I spoke with, Marcia, refused to transfer me to anyone else. I have case #xxxxx and get nowhere, no date, nothing other than I will get my refund when they get the funds back from OC, CA Tax office.

Then in November 2011, I called Citi to find out the status. It was only at that time that I learned they switched counselor's and I had to deal with a new person, so I did. Resent all the paperwork. I called again in late December to check the status, at that time I found out that they sent an email to my realtor on Dec 12, 2011 with a counter offer. My realtor said, he did not receive anything from Citi. I immediately emailed my new counselor and asked him to send me a copy of the email and all future emails should be copied to me. That was last week and I have not heard anything. Now Citi is threatening to foreclose. Since my hours at work have been drastically reduced, there is nothing I can do. This has been going on since October 2011.

CitiMortgage needs to be held responsible for their inconsistencies. Having gone through this, I believe that CitiMortgage has put more people into foreclosure than needs to be with their unprofessional ways, not properly notifying their customers, etc. The buyer has backed out of the deal, which I don't blame him after 3 months. Now I have to start all over again and find a new buyer.

I had been very ill for years and couldn't work anymore, which is a huge part of what got us the two payments behind. CitiMortgage told us over the phone that we could do a check by phone, which is what we did. We gave them the information, and like I said, they claimed that the bank said it was a bogus account. I do not believe anything CitiMortgage says ever and I would not recommend ever getting a mortgage through them, period. We were almost homeless because of them and were forced into chapter 13 even though we finished paying off almost $70,000.00 in debt.

In 48 months' time, where chapter 13 took money from us, we had no say and they even ** up our payments, taking way too much for over six months. We lived on less than $600 per month total while I had brain surgery and almost died. We were forced to also put our new vehicle on the chapter 13 by the courts. So now, we were discharged from chapter 13 in 2008, and we have been constantly harassed by our credit union. They say that we have to close our "account within 10 days" because we still "owe" them $2,500 for the vehicle that was on the chapter 13!

But in the same breath, the credit union also says that they cannot legally ask us to pay the $2,500.00. So what the heck? Anyone know what this means? And in the three years they keep threatening this, they have given us an ATM Visa credit card and overdraft courtesy protection (that we pay for, of course). But three years after chapter 13, which CitiMortgage caused, we were still being harassed and live in fear because the bank locked the account. We can't write checks or anything except withdraw or deposit money to the teller!

I so wish that CitiMortgage (and all the other companies) would stop outsourcing to countries where the employees are clueless, can't speak or understand English, nor do they care about your mortgage or finances. They're just making great money on a job in their country without a care in the world for the clients/customers. They are unreachable in person; therefore, they care even less! God, someone please do something about these things. The president and government of the U.S. needs to stop these companies in their tracks, not give them handouts that we all literally paid for--even though we can't afford to even live now! Please!

January 2, filled out an on line application for amazon and just received letter that we our credit report reflect a foreclosure. Thank god for amazon application otherwise we would not know this. I understand that there is a class action case against citi. Where can we get an aapplication for this action to fix our credit. Your prompt attention to this matter will be appreciated.

She said yes, you can pay an additional $200 this month, and each additional month, until u catch up to the past due charge. I called back the next month to make the payment, and they said that's not true, and can't be done. I tried for months to make alternate arrangements, but every time i called back to follow what their representatives told me, I was told a completely different story and process. This is just the tip of the iceberg. I won't even go into how one rep finally modified my loan, and then I get the payment info in the mail, for a completely different amount again, and different payment dates.

They foreclosed my house, waited a month, and have been harassing me nonstop on my phone for 2 months. They have my house. Can't they leave me alone? I don't want to talk to them, or have anything else to do with them. They made 2 years of my life miserable, and call me more than a stalker ex-boyfriend.

Honestly, people, do not call your mortgage company when your husband goes on strike and try to get a lower rate. Do you think they are the local social services agency? No, they don't give a rat’s **, and you are going to be unhappy. Just don't call them at all. That is the best way. Their phone reps are not informed and are ill-trained. Your chances of being given wrong information are at least 50%, which is chance. If you are current on your mortgage, you have nothing to worry about, so don't file complaints here, okay?

Mind you I'm 25 yrs into a 30yr loan. I was working with a women named Rita, made all late fees, all payments and have a zero balance($0.00)in writing. After I complied all payments, RCS bounced me back to CitiMortgage without my knowledge again. CitiMortgage charged me $1300 again for a home inspection that was never done. An executive decision was made and on my paper work it said delinquency expenses. I was not delinquent and I have their paper work that says so. Also, my mortgage payment goes from $1257 to $1598 and they told me my taxes went up! I called the Town of Babylon and told me they did not go up $340 a month!

After 6 months, they called me and said we didn't qualify because we had been late on our payments. When I told them it was them that called me and suggested this, they said, “Sorry, you didn't have to listen to us.” Now I can’t get refinanced until I’m current for one year. I’ve been current for 9 months. They sent me notice of an increase in my payments from $1454.13 to $3,118.86. God, please help me **. My wife committed suicide over this and other stress from the economy.

As a result of our inability to sell the house, I ultimately had to tell my ex-boyfriend that I could no longer continue to financially support his living arrangement and I filed bankruptcy. The last house payment that was made was June, 2010 that I made. We have now received foreclosure notification and that is moving forward. Absolutely ridiculous that these mortgage companies won't take a good offer when they get one. The septic has failed and there is no way they are going to get $130,000 at an auction. Absolutely disgusted and now that the Massachusetts Attorney General has filed a lawsuit against mortgage companies, including Citi. I have no idea how long this foreclosure process will take. In the end, I hope they get $10,000 for it.

After many attempts to obtain any information at all, I received a "reinstatement" letter which said I had to pay $36,000 to bring my loan up to date, and my house payment would increase to $3500/month, a 400% increase. Again, I've attempted to ascertain where they've gotten these figures since I've never missed a single payment. They told me I would be placed on a 90-day mediation period and the supporting documentation would arrive within a few days. We are now 15 days from the end of the 90-day period. I have written, re-written, called, asked for clarification and have received nothing. Their law firm tells me they are waiting on CitiMortgage to provide the information.

On Friday, December 2, 2011, I sent them an email outlining what I see my options to be. Today, I received a check for my December house payment saying they wouldn't take that amount because my loan was in foreclosure. Despite numerous emails and telephone calls, I have yet to receive any supporting documentation from them. The amount of money they are claiming we are past due represents nearly 10 years of property taxes on our house and about 39 months of house payments. They claim that the "new" house payment of $3500 represents a $1000 house payment, and a $2500 escrow payment. If that's true, I'm paying nearly one year's worth of property taxes every single month. I'm an attorney and I can't make heads or tails out of this, nor are they sending me the information I've been asking for over three months.

In 15 days, the mediation period is over and they can publish a notice of default. Apparently, they simply can ignore my repeated requests for information, demand unbelievably high amounts of money without providing any documentation to support their claims that I haven't paid, when I've got bank statements going back years that establish I have paid. There are no consequences for this bank.

After four months of no paper work (that I called repeatedly for), the only answer I got was "it's with the underwriters". Finally after months of paying the reduced amount, a rep told me that we did not qualify because this was our second mortgage, not our first. What! They hold the mortgage. Wouldn't you think they would know this?! I was instructed to pay the full amount plus the thousands that was not paid due to our paying the "modified" amount. It was impossible. I'm certain Citi Mortgage put thousands of people in thispredicament to not only get the years of interest that we had already paid but to now reclaim thousands of properties.

A win-win situation for them. We now have a judgement against us to pay weekly but when I call to find out where the payment should be going, no reps know. "My computer is not showing anything here" This is stupidity. If I were to say "my computer doesnt show that I ever owned a 2nd mortgage by Citi Mortgage", would they just say " oh, ok" and stop with the never ending phone calls and legal proceedings? I am hoping that this small preview of what Citi Mortgage is doing to people will stimulate someone brazen and smart enough to take on the greedy corporate untouchables, such as Citi Mortgage! If there is any lawyer out there that can help push Citi's hand into resolving this matter, please contact me.

I was scheduled for a sheriff sale in October 2011. It was held off till December 8th, 2011. I never ask for a special plan in the first place. Now I'm 16 days from the next sheriff sale and no closer than I was a year ago to fixing this. This is joke to the CSRs and supervisors that work at Citi. It’s not a joke. It’s me and my daughter’s home. I have done everything they requested over the last year, except now I owe thousands of dollars in attorney’s fee and they have my home’s cost up to 106 thousand dollars. I don't know what I should do here.

Last week, I was told after insisting on a manager that my first loan has not reported my modification. I went to BOA. They researched and found it most definitely has been reported. I have all the 1st loan modification documents. I asked to fax them to Citi. Not good enough. My modification was already on a trial period 7 months ago, which I paid and was ready to finalize, but there was an escrow issue. I fixed that by paying my flood insurance in full. Since then four months ago, I have not been able to get this unlocked. Please review my massive records.

Occurance 1: 2.5 years ago, failed to pay my property taxes for 1 year when I was paying my mortgage payments with an escrow acct for my insurance and taxes. Property was about to go to tax sale and that's how I found out (through my county, not my mortgage company).

Occurance 2: 2 years ago when they performed an inspection on our home (which they claim they do on all their mortgaged properties on a routine yearly basis), that our home was vacant, when in fact it was clearly occupied. I never received any notification of this and they cancelled my homeowners insurance which was escrow into my mortgage, of which I was still paying (mortgage payments). I didn't find out about this until my homeowners insurance company contacted me about it being cancelled. Citimortgage never sent me anything about my home thought to be vacant, nor did they send me anything about cancelling my insurance. Even after rectifying the issue with Citimortgage. I was still stuck with the additional costs of my homeowners insurance costs increase due to lapse in coverage (which my mortgage company cancelled). Citimortgage did pay the additional premium amount, but I still paid it in the end because they calculated the additional premium increase rate into my next years mortgage amount raising my mortgage payment an extra $70 a month.

Occurrence 3: 2 days ago, a locksmith came to our house to change the locks on our doors indicating that our home was on a list provided by Citimortgage that the home was vacant or foreclosed (which it was not, I was only 16 days late with my payment). When contacting them, they indicated that when once again they were performing their routine yearly inspection on their mortgaged homes, that our home was classified as vacant.

Hello....what is going on. My house is clearly occupied. Grass is mowed, there is a children's swing set, new front door, freshly planted grass, a light on in our house at all times. What more do they need; A permanent sign placed in the yard that says, Home Occupied, with large neon arrows pointing to it? I have a family which includes 2 small children who are only 4 years old and 9 months old. What if were were locked out of the house. It is winter time in Indiana for goodness sake. Besides that, isn't there some sort of policy or procedure or law that indicates that they should follow. Why can they 1 time just cancel my insurance and the other not cancel my insurance and just change out the locks. In addition, if I am paying my mortgage payment with escrow, why does it matter if were currently occupy the home, occasionally occupy the home, or never occupy the home, I'm still paying for it. There are many smaller occurrences but way too many to list.

I purchased my house in 2006. My mortgage was with Country Wide, then bought out by Bank of America, who it has been with ever since. At no time did I ever have an account with Citimortgage nor have they shown up on my credit report since '06 when I bought my house.

I received a letter in the mail about four weeks ago from the IRS telling me I owed an additional $500 on my 2009 taxes because Citimortage sent them a 1099-C that they forgave me over $4000 in back debt. I have called Citimortgage and gotten several people on the phone who have told me I have never had an account with them based on the account number they sent the IRS, my full name, or my social security number. One particularly stupid person I spoke to had apparently no idea who the IRS was and said I should just ignore the letter and throw it out. I got someone on the phone who advised to fax them the info the IRS sent them and they would verify I had no account with them and I could dispute with the IRS. I forwarded all of this info to my accountant, who sent them all of the info they requested. We have gotten nothing back from them and my deadline to dispute is tomorrow.

You never get the same person on the phone when you call, you get told you need to speak to another department and transferred a hundred times, and if you do get an agent on the phone who says they can help you, they actually have no idea what they are talking about.

If this is not resolved by tomorrow, I am going to have to pay an additional $500 in taxes that I do not owe. My dog is going through bladder cancer treatment and all my funds are going towards that.

Because we are in the middle of major remodeling, CitiMortgage is using the incomplete remodeling work to hold the balance of our insurance money. Both inspectors that have been sent to our home have stated that the fire damage repair work has been completed, and CitiMortgage has been shown numerous photos taken of the remodeling prior to the fire and immediately after it, so they can see for themselves how much work has been done. But CitiMortgage has decided that there is a "discrepancy" somewhere in the reports, and they now will not even talk to us. They expect us to leave a message and wait for a return call. My husband has already left messages that are not being returned.

When they finally requested the information I had just had surgery and was unable to get the paperwork together, at that time, so I was given an extension until August 23, 2011. During the process, the file manager was changed and no one knew for sure who it was going to be. If you called the phone number given and the extension for that person I always got a customer service person who didn't have a clue what was going on. The information they had about my file was dependent on how good the notes were that were put in by the previous person you spoke to.

The information I sent in August, which I faxed to the number they gave me, they claimed they never received it so I had to fax it all again. Again in October additional information was requested, which I faxed to the number they gave me, and then I called the next day to see if they received it only to be told that it takes up to 48 hours for the case manager to get a fax. I requested that I be notified after 48 hours, and I was not. I called and emailed several times before getting information letting me know if it was received.

I got an email for Mecco **, the case manager, telling me that she had not received the requested information. I again faxed the same information and a few days letter I got an email from the above named individual telling me she had not received the information she requested and if I did not send it they were going to close my file. The next day I called her on the phone to see if she had received the information and she asked if I had read her email. I told her that I was at work and can't check personal emails until I get home.

She said she had received the information and was sending my file to the underwriters. This was on the afternoon of November 7, 2011. I received a letter in the mail on Saturday November 12, 2011 that was dated November 8, 2011 that my loan modification was not being approved due to some information that was not available.

I find it difficult to believe that a company that has taken 6 plus months to get all of the paperwork together for this modification is going to receive a file and make a decision in less than 24 hours. I think that there is negligence within the CitiMortgage staff. The Obama plan is supposed to help us keep our homes. You would think a loan institution like CitiMortgage would rather work with people so they the institution can get their money, and not be saddled with another house to sell!

I am a disable Veteran, retired after 29 years of Service. I wish to recover my application fees and go else where. I am afraid that it is not possible, since Citibank has me tied down. Meaning, I would lose my Application fees if I chose to go else where. This is not acceptable. What can I do?

Despite significant improvement in our financial situation, CitiMortgage refused to talk with us about refinancing the loan. They only offered ridiculous forbearance programs and insisted that we were not eligible for modification due to our good payment history. Then after the first two years of fixed rate payments ended, our variable rate kicked in, increasing our payments by over $400/month. We started slipping backwards again. We ended up always struggling, and often making payments to other creditors late. We downsized on all that we could, but the excess mortgage payment put us too far behind to catch up even after our variable rate dropped again. We were facing bankruptcy.

Taking that realization to heart, we decided that because 'we had a good payment history that made us ineligible for modification', we would change that. So we stopped paying the mortgage for five months! Their first response to this as usual was constant phone calls, threatening letters, and complete inflexibility aside from forbearance. They did not even start talking about serious consideration of modification until we were 60 days late. Then of course, we went through the same thing everybody else seems to with an endless string of calls and lost documents etc.

Fortunately the handler of our modification actually stayed with the company long enough to see it through to our trial payment period of 3 months. So after 5 months of not paying, we began making payments again for the next 3 months. Meanwhile, we neither hear nor see anything from CitiMortgage regarding the status of our modification. Having read the experiences of others' denials after being lead on by CitiMortgage, we assumed the worst and stuck to the letter of the trial period agreement by ceasing payments again. It takes another 2 months before they even contact us again! (We of course having given up on attempting to contact them due to the massive runaround we regularly received.)

So when they do contact us again, they actually have a complete modification agreement ready for our approval. And while it did provide us with a significantly reduced fixed rate of 6.125%, they also were nice enough to tack on the arrearage for all of the prior missed payments. Lucky us. Now the house we were only underwater by 15% or so on is closer to 25% underwater. Meanwhile, other open credit lines have exercised their right to jack our interest rates up to as high as 29.99% because all of these missed payments have destroyed our credit rating! So payment-wise, we ended up no better off than we were before, but with destroyed credit and little chance to recover. That wasn't exactly helping the situation! Regardless, we were happy to have more favorable terms on our home to move forward with, so we filed for Chapter 7 bankruptcy and discharged all but our vehicle loan that was reaffirmed.

Flash forward to today, 7 months later. We have continued to make payments under the original agreement to satisfy the lien that remains on the property, inquiring repeatedly about establishing terms for a new note. But CitiMortgage is unwilling to talk. All they are willing to do at this point is take our money while applying early payments improperly and assessing late fees for the trouble. The last representative I talked to would not adjust the late fee and the refinance department person advised that they won't talk terms until 2 years after bankruptcy discharge. Well it's a fat chance that we are willing to wait that long while they ** us on improperly applied payments! We were not late but they charged us a late fee anyway!

After a couple of months, I called Citi to find out where the package was that we had not received yet. I was told that the bank was behind with the packets and to give another 30-60 days for arrival. I asked if all was okay. I was assured all was well to continue making the agreed modification payment. Well, I paid the new amount monthly. But then after 6 months without a packet, I became worried. I called to speak with Michael ** but he was no longer with the bank. Redirected, I was now dealing with Jesus ** at ext. **, when I was politely advised that the bank has had problems with the entity sending out documents and that it won't be long. I was told to be patient and to continue making the modification payments. All I did was follow the bank’s lead to our demise. After months of trying to get this package, we were told by Mary ** of Citi Mortgage that the package was sent to our Bankruptcy Attorney James **. Mr. ** never received this package nor did we. I was told another request will be made, that many people have had the same delivery problem.

After about a year and 3-4 months and no word from the bank so far, my wife made the usual monthly payment by phone. A Citi agent told my wife that the payments to that department were no longer accepted as we were denied loan modification. What?! It was a year plus later with payments on-time every month. We got no packet, no word, nothing. Shocked, my wife said, "What happened?” The agent said that a "letter (denial) was sent to Mr. **’s office a month ago", meaning September 2010. Mr. **, our attorney, never received such a letter. And I never would believe that a giant such as Citi could be so unorganized. A year and two months after making faithful payments, the bank pulled the rug out from under us, just like that.

We tried to plead with the bank. They said that the new modification products are now available, that we should not worry and re apply. Well, it has been application after application. And even recently (last 4 months), we hired a re-modification company who also failed, as the denial letter received today says it was denied due to lack of documents in the 30-day period allotted. We were led to believe in the bank back in July of ‘09 when we were only behind a couple thousand dollars. But after the bank's game, we are now in the arrange in excess of 40 thousand dollars. Is this legal? Are there any affordable solutions for my family and me? Please help me.

From the beginning, I have been pressured every step of the way that I had to move fast and only had a day or two to get them the information including the approval to proceed or the lock on the loan would be in jeopardy because of how long it takes to process (why is it my problem that they take so long). When I had questions I couldn't get answers, I couldn't even get someone to respond except after the 5th or 6th time I tried contacting them. They apologized because they were so busy, but again how is that my problem and why am I being punished for there failure to manage their business? They had the settlement wrong and switched me from being the payee to my creditors without my consent or informing me until the actual day of closing. I had refinanced to take out additional money on the equity of my house to pay down debt, but I was supposed to be the payee.

What is worse, they informed me that I had to pay property taxes because it is CitiMortgage policy that if they are due in 60 days, they must be paid by or at closing. Again not disclosed until the day of closing, when the title company calls me to inform me I owe this amount. This company has on 4 or 5 occasions now approached me for more information or on day of closing that I owe money and then informs me I must respond immediately or my loan is in jeopardy. Does anyone else see that being any less that high pressure sales tactics? And by the way, the additional amount was supposed to be made out to me as discussed with my loan officer initially, but because my debt/income ratio was 42% instead of 40%, the underwriter decided it must be made out to the credit card companies and not to me; again this was not disclosed to me until the day of closing. Am I wrong or is this not reprehensible behavior on the part of a large mortgage company? Is any of this behavior illegal?

I have cancelled the closing, I'm going to do business with CitiMortgage. This is a huge financial hardship and we're out of money because of them, but CitiMortgage has been outrageous from the beginning and I can't do business with this company. God help all their loanees.

It took CitiMortage over a month to even get our Loan packet to us, and once we received it, we sat down and started going through it and obtaining all the documents they required. All were shipped off in there return envelope. A week later, I called the number provide by them and was told my packet hadn't been received. I gave it a few more days, called again, still no packet from us. The rep told me he was going to mail another packet and to complete it and mail again. We did that. This time, they received the packet. But they told me there was a document that my husband failed to sign. So they sent the form via email. I downloaded it and my husband signed it. I sent it back.

A week later, I received a call from someone named Ivy, who worked in the modification dept, and she asked me if I knew we were missing an important form in our packet. I said I was aware of it, and it had been not only mailed to Citi but I had faxed it as well. Ivy asked me if I had a copy. I said I did, she said please tell me it was dated last month. I told her it was. She asked me to fax a copy to her directly, so I did that.

Bottom line, our Modification was never completed. We made the payments at that time. We had to call them in, later we mailed them in the forms lost. We were even told by CitiMortage to hire outside help to work on loan modifications. Because of such, we struggled through until March of 2011. As my husband gained employment in Feb/of 2011, I had already backed out of the Loan Modification due to complete frustration.

Our file at that time was given to someone named Brian. I have made eight payments to date, received several threatening letters from CitiMortage and have brought those letters to Brian's attention. Every time he has told me to disregard them as long as I am paying every month. My house was not going into foreclosure. Brain now has our file, unbeknown to us, it was given to someone else. I have called this guy repeatedly, and CitiMortage employees have sent him priority emails. Not once had he acknowledged them. By chance, I got him on the phone (Philip) last Friday 10/21/2011. He said he didn't get any of my messages, nor did he receive any emails from any Citi employees. They he tried to strong arm me, said I needed to come up with $6,720.00 down payments and I had to pay CitMortage $1837.00 a month for 12 months. I told Philip that I could not come up with that kind of down payment. By Nov 1st, I was then told I needed to Short Sell my house. I hung up on Philip.

My health is not good by far, in fact I have Lupus Sle, and it's attacking my right Kidney. On top of that, I have hasimotos disease. So my thyroid is isn't working properly. At the moment,I was diagnosed with Sj/Syndrome a month ago, and I have degenerative disc disease. My medications are costly, not to mention the ones my insurance will not cover. He could care less. My husband is making good money, but we backed out of a BK, so with all the creditors, I pay back not to mention the extra money I was sending Citi, coming up w/a deposit and on such short notice was out of the question.

Today, I was so frustrated with all these Citi employees. I cried at my wits end, and not sure what to do at this point. If anything these people in the home owners Association Program are programed, not to mention heartless.

I have a mechanical valve and repairs in my heart and an auto immune disease, due to the stress they have cause me to be more ill. I demanded to speak with a supervisor named Ken. I told him that if they didn't get to the bottom of this missing check, due to their neglect, I will sue them for all the emotional and physical trauma that they have caused me. Then he ask me for the check number and my checking number. He said that it was put somewhere else. They took two payments in August 2011 electronically out of my checking. One was on the August 1st and the other one on August 31st 2011.

First of all, I have never given them permission to take payments electronically from my account. I always pay them before the first of the month. Even though I have no income, I am a very responsible person. With an excellent credit.

It's been a nightmare for me. It's been horrible and I feel violated over and over again due to their negligence.

Yes, I was extended twice since these people couldn't get their act together. I was finally told to get in touch with Amy's supervisor since she wasn't getting back to me, but she was even worse. Michelle ** was very condescending and would not return my phone calls when she said she would. This has honestly been the worst financial experience I've dealt with. I feel like I'm in the Twilight Zone. I finally got a phone call today that I was declined over a private settlement letter made up between my husband and I. That is not legal and none of their business, but they insisted on seeing this letter written on a loose-leaf piece of paper and declined my loan.

I will add that I received two separate phone calls that my loan was approved 2 weeks ago and my loan processor would be in touch for the closing. Needless to say, she never contacted me. This whole process is one big circus. I do not recommend Citibank for anything. I will be refinancing elsewhere and can't wait to leave Citi all together. The one star is given to the associates.

Before my first trial payment in October, I called CitiMortgage and spoke with Frank **, housing specialist. I pleaded with him to change my trial due date to the 3rd so that I could at least start out on making timely payment under the modification. He refused. So starting out, I am already in 'default' of my trial payment. Then instead of the 'making homes affordable' slogan used by CitiMortgage, my mortgage went from $515 a month to $740 a month (escrow) and I have to come up with an additional $2550 to put in escrow account (I fell behind in property taxes). If Citibank received almost $300 billion bailout from the federal government, how can they justify what they are doing to homeowners who are struggling to save their homes? All we want is an opportunity to regain our dignity and pursue the American Dream. Why is there so much greed when it comes to the banking industry? They have the bailout but as a struggling homeowner, what kind of assistance can we get to save our homes?

We are not late on any payments, this is an issue between Nationstar and Citi. However, after sending CitiMortgage, our account statement from Nationstar and sending canceled checks to prove that we are current with our mortgage. CitiMortgage continues to send letters about short sales, foreclosing and hurting our credit score. This has been going on for two months, with a number of phone calls and letters but nothing is resolved. If possible don't ever use this mortgage company.

I called Bethex Credit Union, gave the account number and asked how was this contractor able to cash/deposit a check that was not made payable to him. They advised that I needed to contact Citibank and have them do the fraud process needed. Bethex was not able to discuss the account because I am not the account holder. I called Citbank and was advised that there wasn't anything they could do and I should contact an attorney. I am still responsible for this money even though I have not received the supplies.

I thought Citibank would be a little more helpful with my case. I have gone to the police department, district attorney's office and consumer affairs and I am being told that I should get help from Citibank to prosecute not only the contractor but the teller/representative at the other bank. Would someone please advise on how to proceed?

Now it's in the hands of an underwriter but this is illegal and a definite stalling/delaying tactic. I have proof of my first application date and no one can give me a direct answer as to why my claim was closed without a decision.

Citibank acknowledged that VA loans were not to have PMI but refused to remove them unless I paid out of pocket for appraisers and accepted what the terms the appraiser set the house in 2008-2010. During the height of the mortgage crisis, I finally got it removed in February 2011. I received a refund check for $33 when they charged me thousands. When I received the $33 check, my name was forged on the back of the check. Yes, I received the check with the endorsement already signed and with a handwriting much better than my own. (My signature is small with no loops). The signature was big with loops.

CitiMortgage stated that it was their policy to send checks in the mail like that so the consumer won't forget to sign. So, they are okay with having employees sign their customer's names to checks and send money in the mail that anyone can now encash. I have recently hit tough times. I called Citibank to explain my situation and will be unable to continue my mortgage payment here in the near future. I have received pay-cuts, no more overtime, and facing more pay-cuts to come in two months. They refused to help me because I am current on the mortgage.

At the end of August, we received a notice from BSI Financial Services that they were the servicer of the loan. I called Citibank today to see if that was true and they said that they sold Michael's mortgage to PIMCO, and I suppose that BSI Financial is the servicer.

Citibank, BSI Financial and PIMCO do not have Michael's note. Who do we get the modification from and who has the note to this home? How do we save this? What are Michael's options? Where does he go for help? The idea that we are out of the loop or control of this situation is boggling to my mind. To whom are we making the payments to? And what is our security in this home?

The bottom line is I am making a complaint and I want to know what to do. Thank you in advance for you consideration.

On May of 2010, after 8 months of trial payments, we were denied for HAMP. But we were told that was good news because we were actually back to Citi for a traditional modification. Again, no other options were mentioned or discussed with us. The next month, we get a letter to call and make arrangements before foreclosure would start. Of course, I called hysterical and was told that as long as I was making monthly payments and in the modification process, Citi would not foreclose.

On August 2010, Citi mysteriously loses my automatic monthly payment information and does not take my August payment, and files foreclosure. We get served papers and file an answer.

Two weeks later, we get offered a modification. My attorney calls their litigation department, and their local attorney in which calls were not returned. And the modification offer gets closed.

Another court date is scheduled for foreclosure. I finally got the contact in the Executive Response Unit (ERU). They rush and we get approved for another modification, but with worse terms-- only lowers interest 0.6% instead of 2%, like the previous offer (in which all income and bills were the same). We signed the offer to get foreclosure case dismissed.

After 4 months of on time payments with the modification, we got a letter from Freddie Mac that they do not approve the modification because of our credit. We also got letter from Citi to call to workout arrangements instead of foreclose (short sale, etc).

We are so confused and no idea what is going to happen next. Just when you think everything is going to work out and you can breathe, it all comes crashing down again. Well, yes, after 2 years of lies, and the run around from Citi, our credit is ruined. The only payment we did not make is when we called on 7/2009, and they told us to make our 1st trial payment in 2 months. I even asked about the missing 2 months and was told those weren't needed. Then, on August 2010, when they didn't take our automatic payment, they filed foreclosure on. All the while, I was talking to them 2-3 times every week! After reviewing a ton of blogs and sites today, I will be writing my story and sending it to anyone that will listen -- OCC, state representatives, Washington DC representatives, news stations and all blog attorneys in every state, etc.

I was concerned in December and called each week to check on the status. On December 24, 2009, at approximately 7:15 pm, I received a call from Citimorgage, and the representative said we were approved for the modification and that we needed to have our first payment in by January 3rd of 2010. She also suggested that we have it sent by 12-31-09 to assure that it would be received on time. The next thing she said is that paperwork would be sent to us and we needed to sign it (it was time sensitive) and to send it back in with the return envelope that would be included (overnight mail).

So I waited for the paperwork but never received it and called each day to check on it. I was reassured that it was going to be there. This went on for months. I would call each week and I would get the same answer. I did make sure that each payment went in on time each month. One week, I made my call to check on the paperwork and found out that Citimortgage sold the loan to Litton Mortgage. I had asked the representative, "When? I just called last week and I was to have received paperwork months ago regarding the modification." The answer I received was that the loan was just transferred and that Litton would be able to give me the paperwork. I asked what the amount was that Litton was given for a pay-off. She did not have any answers. I had to call Litton.

I called the number for Litton that Citimortgage gave me, and after 3 tries, they gave me the right number to call. When I called Litton the representative said that I had to call back on Monday because they did not have the information yet. I called on Monday and asked what the pay-off was. When they gave me the figure, I said it was not correct and I am disputing the amount. The Litton representative said he would send out a dispute letter. I said, "No. I would go on a website or just send out a letter." I was not waiting for anything! He gave me the address to send the dispute to and I did.

When Citimortgage transferred, there was an escrow amount that was not included. I was told it was being taken care of. I asked Litton representative on where to send the November payment? This next thing that came out of his mouth I just could not believe! He said to hold on to the payment because the loan was being sold to American Home Mortgage. I once again asked about the modification paperwork. I was told that I would receive it from American Home Mortgage. So, once I received a phone number from AHMS, I called and once again explained the events that have taken place. I was assured that everything was being taken care of and that it would be worked out soon.

I then received a call for AHMS representative, and she said I had to start from the beginning and fill out the modification pack again. So, I had no choice, I started from the beginning. To make a very long story short, I have sent in the information each time they asked (because they either lost, did not receive the fax that I sent several time and have confirmation, or that the information sat so long on someone's desk that it expired) and in a timely manner. I wish I had one dollar for each time someone said it was going to be okay. I could pay off what they say I owe and help a lot of others. I continued to pay each and every month.

In August of 2011, I received a call from AHMS (on a Saturday) and the representative said my home was being foreclosed on. I almost fell to the floor! She said that the last time I spoke to AHMS was on May 2011 and because of that, the foreclosure process was in place! I explained that I just spoke to AHMS and have emails and fax to back that up. She said to send that package all over again, and I did!

That next Wednesday I was served foreclosure papers. I could not believe this! What was going on? The payments were made each month, and I was doing everything they asked. The first thing I did was go to the computer and typed "American Home Mortgage - modifications and fraud". I looked and each and every complaint. For the most part, I was reading what my family was going through with each complaint I read. I called 2 Law Offices and set up appointments and also made an appointment with the Act 91 office. However, I did not stop there. I called my State Representative's Office and filled out paperwork and also the Governors' Office and expressed my concerns.

I went to the first appointment with the Law office and I was told, "You have no other debt. You have been paying your payments. This is just wrong." The second appointment was almost the same. When I went to the Act 91 appointment, it was there that I felt hope and that someone was truly concerned about what was going on. I explained in detail what happened from October of 2009 to August of 2011. It just so happened that the woman that I met with and I shared a birthday and it happened to be the day of my appointment. I knew that the good Lord was there.

I did receive a phone call from AMHS requesting additional information; however, my home was going up for a state sale in November. I did explain that I received a letter saying that the modification was denied because we could not pay the payment, even if it was decreased. I have been paying each month and never missed a payment from the time that Citimortgage gave us the amount to pay (Which was only a difference of about 145.00 dollars).

The person I spoke to seemed concerned, and I just hope that what she is telling me is the truth and not something just to keep me hanging on. I will update this as new information comes. May God bless all of us going through this and bless the people at the mortgage companies to do the right thing! (Please note that there is much more detailed information but I just wanted to give a summary).

The CitiMortgage representative explained to me that the only way to qualify for the modification was to miss three mortgage payments. Well, I got no problem with that. I can catch up on other things that were suffering due to my situation. It was explained to me that during the trial period of the loan modification, I could not miss a payment and had to pay on time, or I would get bumped from the program. I was also receiving a lower monthly mortgage payment. After the modification, the amount would stay the same or would be lower, depending on my situation and what I would qualify for.

I started paying after the third month as instructed. I made payments over the phone, I kept track of names and the reference numbers for payments. After three months of paying them, I started to ask when I was going to get my approval. They told me to keep paying and that they were back logged. So, I did. During this time, I kept getting calls from CitiMortgage representatives inquiring about the account. They would read their notes and say "Oh, I see your getting a modification.The paperwork is being done and reviewed. So, you should hear something soon".

Every few weeks, I would received some calls. And I started getting door knockers. I would come home and see the door knocker. Then, I would call them. It turned out that the door knockers would determine whether someone is still living in the house. They would also take a picture of the property, which they charge you for.

The representatives would tell me that they needed my tax forms and a 4506-T form for the IRS. Okay. I sent it. Another month or so, they needed something else. Then they needed more pay stubs and another 4506-T form. They said that those that I sent them were only good for three months and they needed the documents that would be good for six months. This was becoming a crock! They asked for another copy of my divorce decree. I sent it through fax again! There were always some excuses with these people. I sent them, via fax, the required documents so many times that I started keeping track of it. Sad.

Then I received a letter stating that they have denied my loan modification. I immediately called them and had the representative enter a dispute. Not only did I get a letter of denial from CitiMortgage, they wanted me to pay almost $4,000.00. It turned out that not paying your full amount can bite you in the behind. Due to the fact that I was not paying the full amount during my trial period, which was supposed to be only three months and now, turning into 18 months, I was late! There were late fees and attorney's fees for each month! Also, they reported it to all three credit bureaus. So, now it shows that I am monumentally late for 180 days+.

My trial period amount was a $22 difference. Doing the math, that is $22 times18 months equals $396! I never recall being told that if the modification is denied, I would have to pay almost $4,000! Not to mention, when this whole thing started, I was told I had already been pre-screened for this loan modification and was told that I qualified for it. Otherwise, I wouldn't have done it.

After hanging up with CitiMortgage, I called Family Housing Resources, a non-profit Government funded assistance program for home owners, to explain my situation.

I made an appointment and spoke with the default counselor. Apparently, it is against the law for CitiMortgage to advise their customers to miss three mortgage payments. If you missed two payments, you are still qualified for modification. However, missing the third payment gives the mortgage company the right to run a loan modification and a foreclosure at the same time.

So, CitiMortgage ended up re-opening my modification. They asked for everything all over again -- bank statements, pay stubs, taxes for the last two years, bankruptcy paperwork, divorce decree and some others I am forgetting to mention.

This whole time, I have been asking to get my ex-wife removed from the house. It is in the divorce decree that I got the house. To make the long story short, she kept her business and I got the house. After doing this for over a year, I got an approval and received the documents via UPS.

I looked them over and my ex-wife's name is on it. Well, she is not going to sign this (my ex-wife and I do still talk). I sat down and wrote a letter to Karen Hernandez, who was supposed to be reviewing my account according to the letter I got. I explained to her that this is all becoming a continuous nightmare. I sent the paperwork back without signing a thing.

Days later, I got a CitiMortgage call in the evening while driving home. The rep started asking me for money and I just went off. I know that there are notes in their system for my account, they just don't read them when the auto-dialer calls you. The rep told me that I can't have my ex-wife removed unless I do a quit claim deed. It is not true either, by the way. He told me that I could have signed the paperwork myself without my ex-wife's signature. I told him that nowhere on the paperwork they sent said something about it. Not to mention, the documents that I had received said there were some amount to be paid. However, I and some others I had looked at the documents could not find an amount.

My account was turned over to DeTreece ** (1- 877-245-2511 ext 2201164 and fax 866-457-5981) of the Executive Response Unit. DeTreece ** was going to handle my account from here on. Finally, I got one person to talk to! She said that I had to send all the paperwork all over again! I told her that the documents are getting old and it would be the last time that I would send the information. So, I sent her, via fax, the 55 pages of the information she requested.

I wrote a letter to the Arizona State Attorney General's office complaining about the way CitiMortgage handles things and does business in AZ. I stated that CitiMortgage had misled me in believing that missing three payments was the only way to qualify for the loan modification. I also stated that the default counselor said it was illegal for them to do that.

The State Attorney's office just forwarded a copy of my letter to CitiMortgage. I got a response saying that they looked into it. Then I received a letter from CitiMortgage, which stated how they attempted to reach me on certain dates and times. They said that they researched my accusation about their representatives telling me to miss three payments and found nothing. I was shocked to hear that!

Here is the thing. I work for another call center with a different client etc. We are instructed on what to say, how to say it, and when to say it. It is a script that employees have to follow. The script is developed by upper management. The script goes to training representatives who are taking calls. It is a policy -- a policy that would mean a lot to your job. If you don't follow the policy, you would lose your job. I know people here in the town who are working in a call center for Citi. They handle Citi mortgages and Citibank credit cards. There is a fraud department and more. Some of these people even work from home.

If you call customer service anywhere and ask to speak with a supervisor, I can tell you there is no guarantee you will get one. In our office, there are times that there are no supervisors around and we just pass the call to another agent that is smarter than the one you were dealing with. You may go from an agent to a coach or team leader. You should get a direct phone number and local extension from them. While they are doing a research or whatever, use another phone and check the number. Sometimes the phone number they give you is for another department or for a different place like Florida, North Carolina or Arizona.

I was at the point of not talking to CitiMortgage. Back in the second week of February this year, I was told that someone would be in touch with me within three business days. On March 3, I received a message from Ms. ** of CitiMortgage. What do people would think when they say three business days and it turned into weeks? We can't do it to them!

I spoke with a few real estate people to inquire about short sales, foreclosures, and selling the house. And how each of them would affect my credit. Short sale dings my credit for a year while foreclosure for two years. This whole thing will also affect my ex-wife's credit since her name is written on the original loan. The people whom I spoke with agreed that not paying CitiMortgage was the next best thing. They knew people who are living in their house for years without paying and still waiting to be foreclosed. I stopped paying CitiMortgage in March of this year.

I keep getting doorknockers and I called them. They told me my loan modification is on the underwriter's desk for review and I should hear something shortly. Then they told me that I owe them $7,000.00 now. I asked the rep how could it be.The whole process should only take three months, not years. And why should I pay for their mistake, which is dragging this out for so long. I said that it didn't matter since it was going nowhere. Asking for a supervisor would really get me nowhere.

After a month, I got a letter from John ** who is also from the Executive Response Unit of CitiMortgage (I never received any communication that my account was turned over to someone else). It is a denial letter for my loan modification. His letter states that they need a quit claim deed or a copy of my divorce decree. What? I exclaimed.

I called John ** and left a detailed message. I mentioned that I was not informed that the person who handles my case and account was changed and that I would like to speak with him. I also asked if he thought that this process would have gotten this far (two years) without the divorce decree in their system. Then I came home and found another door knocker. On 07/29/2011, I called CitiMortgage and spoke with Sharon. She said she would e-mail John ** and would ask him to call me back within 24 to 48 hours. However, I never heard any word from him.

On August 8, I received a letter (dated August 1) from CitiMortgage stating that I have ten days, from the date specified on the letter, to fill out another application to get the whole process starts again. The problem is that I only have three days to do it. After all, the letter was dated August 1. I have to include my two most recent pay stubs (which is one of the reasons I fell behind) and a financial information from all borrowers who signed the original loan. On August 11, I sent the required documents via fax. I provided them these documents before many times. Federal Housing had also sent these documents to CitiMortgage while I was under their housing assistance program.

On Friday, August 12, I received another letter from CitiMortgage stating that my mortgage is still in default and has been referred to attorney's office in San Diego, California for foreclosure processing. I got this letter the next day after sending them what they have asked for. So, I called the attorney's office, Pite Duncan LLP (858-750-7600). My call was passed around and eventually connected me to a company called Cal Western (619-590-9200). Then I spoke with Lani.

Lani said that they have received some documents from CitiMortgage, but not all of them. Once they receive all the documents, they will file for a foreclosure sale. I would have 91 days from the date it will be filed. They will notify me through mail within 5 days of the filing.

I have been searching the web for someone doing a class action lawsuit against CitiMortgage here in Arizona, but have not been able to find anything. I do not have the money to take it on alone or at all really. I have found other suits filed in California and New Jersey. Reading the docs, you can see exactly what is happening to the people. The same thing that is happening to me.

It makes me feel so mad that even after all of this, they are proceeding with a foreclosure. The house is not of the same worth of what I owed from them. So, selling the house would only incur loss to CitiMortgage. Now, how much business sense is that? You have someone willing to stay in the house and wanting a lower payment in which all they had to do is to move the three payments to the end of the loan. If CitiMortgage had just left my credit rating alone (and after a year and a half of paying on time), I would have been able to re-finance the house under own name (without my ex-wife's name on it).

I called the attorney's office the other day to inquire about doing a quick sale, so my credit would take a year hit instead of two year's with a foreclosure. They provided me with a sale date of November. This company really stinks and no one should be doing business with them.

I contacted several Government agencies here in Arizona as CitiMortgage's business license to operate in Arizona is about to expire on 12/31/2011. Obviously, I can't stop that. Run from this company. Don't believe on what they tell you over the phone.

When we originally refinanced our home, these payments were affordable and our loan has not ever been paid late. On May 15, 2008, my husband Dawayne ** was laid off from his job of eight years. We had mortgage insurance through our loan, which paid our mortgage in full for 12 months. The mortgage insurance started making payments to our loan August 2008 through August 2009. We were told that we had to wait 90 days before the insurance company could take over payments, so June and July payments were paid on time by us.

September 9, 2009, I called CitiMortgage regarding available Hardship Modification Programs. At this time, my husband was still collecting unemployment benefits and I had just returned back to work from maternity leave. A representative informed me of the Home Affordability Program. The representative said we could lower our interest rate down to 3%. The representative asked some questions regarding our income and based on the information that I gave her, she said we did qualify, but they would need to verify all information that I had given her before the modification would be approved. The representative said in the meantime, the company has to set up three monthly trial payments. She stated that an HAMP information package would be sent out to us via UPS.

I asked the representative what would happen if we were not approved for the modification and she assured me that we would be approved and if for any reason we were not approved, our loan payments would go back to the original amount and what amount we owed during the three-month trial period would go to the back end of our loan.

I did call back to ask about other modification programs, but was told that for a rate modification, our credit score would need to be over 560 and to refinance our credit score would have to be over 530. I was informed that at this time, our scores were not high enough for a rate modification or a refinance. So we decided to go through with the modification process. The representative said no payment was needed at this time and our first trial payment would be $818.19, due on October 10, 2009, 30 days from this time period. Listed below were all the calls that I documented (I'm sure there were more) regarding our modification.

On October 1, 2009 I called CitiMortgage (Loss Mitigation Department) and spoke to a Joshua. He stated paperwork was mailed out on 10/01/09 via United Parcel Service; we should be receiving the paperwork shortly. On October 10, 2009, I called CitiMortgage back to make my first modification payment of $818.19 and to check on the status of our modification paperwork. Payment was taken over the phone. I asked the representative about the HAMP paperwork and he said paperwork had been mailed out. I let the representative know that no paperwork was mailed to our home and he said he would request the paperwork be mailed out again.

On November 9, 2009, I called CitiMortgage to make a payment and to inquire about modification paperwork. I was told that the paperwork had been sent out on October 30, 2009. Payment confirmation number 14218900. I was told to expect the paperwork within 15-30 days.

On December 3, 2009, I called CitiMortgage to confirm that trial payments were due the 10th of each month during the trial period. The representative told me yes and my trial period started in November. I did explain to the rep that I was told my trial payments started in October because that's when I made the first payment and he said no, trial payments began in November. So November, December and January are my three trial payment months.

On December 10, 2009, I called CitiMortgage to make trial payment for $818.19. Payment confirmation number 7118109 confirmed that modification paperwork was received via United Parcel Service. Paperwork was received 12/02/2009 at 9:44 a.m., signed by a person with the last name Colden. I was told that modification paperwork was being reviewed and I would be contacted if any further information was needed.

On January 10, 2010, I spoke with Myesha who took my payment of $818.19 over the phone, check # 1004, confirmation number 7455695. On January 11, 2010, I called 866.413.4560, Mortgage Outreach Services, and spoke with a Phil ** who told me all documents were in, no additional paperwork was needed. I asked does the normal process take this long? Mr. ** informed me that he did not know.

On January 11, 2010, I called back to see if I would get a different result and I spoke with a John, with employee number ** who also told me paperwork was being processed and that he did not know how long the process will take, but no additional paperwork was needed.

On January 15, 2010, I spoke with Earl in the Loss Mitigation Department. He told me that the modification was in the final phase, all paperwork was submitted to underwriting, and no additional documents were needed. The hold up could be that they were waiting for us to file our taxes to get a copy of our tax file and if that is the case, a representative would contact me.

On January 27, 2010, I called CitiMortgage and spoke with a Jeremy in the Loss Mitigation Department. He told me no additional documents were needed. On January 27, 2010, I called Mortgage Outreach Services 866.413.4560 and spoke with Yolanda, no additional documents needed for the modification. All paperwork has been received.

On February 9, 2010, I called CitiMortgage to make a payment of $818.19, payment confirmation number 7835198. Representative said no additional documents needed. I told the representative that I received a text message on my cell phone on 02/02/10 for additional documents, but she checked the computer and said all documentation had been received.

On March 10, 2010, I called CitiMortgage to make a payment $818.91, payment confirmation number 8202650 plus a $20 phone fee. March 22, 2010, I got a text message on my cell phone that our request was in its final stages of review.

On April 10, 2010, I called CitiMortgage to make a payment $818.91, payment confirmation number 8571118, payments taken by Armando. No additional documents needed for modification.

On May 10, 2010, I called Loss Mitigation Department and Shantel advised me that she could not take payment and referred me to the bankruptcy department (301.696.4053) to make payment.

On May 11, 2010, I called bankruptcy department to make payment. Payment was taken, with confirmation number 15542390. I asked about modification and was told modification still in process, account is in underwriting.

On May 12, 2010, I received a call from Susan ** from CitiMortgage Bankruptcy Department who requested additional documents. She said because our loan was transferred to a different department, we would have to re-fax all documents. I re-faxed all documents, updated month worth of pay stubs for Dawayne and I, two months of recent bank statements, 4506T, 2007, 2008 & 2009 tax returns, updated hardship affidavit and property tax statement.

On May 14, 2010, I called Susan ** (469.220.3568), left a message on her voicemail asking that she give me a call. On May 17, 2010, I sent a 24-page fax to Susan at 866.641.4350; she said she did not have all the tax returns. I re-faxed tax returns.

On June 10, 2010, I called bankruptcy department (301.696.4053) to make payment, with confirmation number 15753986. Modification is still pending. June 10, 2010, I called Loss Mitigation Department, no one wanted to speak to me regarding our modification or the process. When I tried to explain to the representative why I was calling, he hung the phone up.

On June 24, 2010, I re-faxed Susan ** all documents, 84 pages, which included everything including old faxed items. I called Susan and asked why do they keep asking for the same documents over and over again and she stated they hadn't received them. I gave her the dates on which I faxed the documents she requested and she then told me she did see them in the computer? I also stated to Susan that our bankruptcy was already discharged.

On June 25, 2010, a letter was dated to my attorney's office, (the Office of Lee **, **, NJ 08003). The letter stated that our modification request could not be approved under the government's Home Affordable Modification Program at this time. Our mortgage terms will remain unchanged as a result of my bankruptcy case; CitiMortgage is not attempting to collect a debt from us. It further states that the modification request was incomplete. We did not provide the company with documents we needed 30 days ago.

On July 7, 2010, I contacted one of the lists of agencies CitiMortgage included in the letter Consumer Credit Counseling Service of Delaware Valley. I made an appointment for July 26, 2010.

On July 12, 2010, I called bankruptcy department to make a payment and follow-up on status of modification. I was told modification was denied. On July 26, 2010, I met with Eddie ** from CCCS of Delaware Valley, who contacted CitiMortgage on our behalf because according to the government regulations, Mr. ** said we clearly qualify for the HAMP modification. While we were sitting there with the counselor, a Citi representative hung up on Mr. **. Mr. ** finally got in contact with a representative after several attempts who instructed him to go on Citi's website to submit application again. Application was submitted again on 07/26/10; follow-up appointment was given.

On August 3, 2010, I received a letter from CitiMortgage stating that we owe them $13,287.37, which needs to be paid by September 3, 2010. On August 16, 2010, I called CitiMortgage and spoke with a representative who informed me that our account was being handled by an account manager, Gwendolyn ** (866.702.5963 ext. 1801943). I left a message on Ms. **'s voicemail.

On August 17, 2010, I called Ms. ** again, at 11:39 a.m., left a message on her voicemail again. On August 18, 2010, Ms. ** called and left a message on my voicemail. I called Ms. ** at 11:50 a.mm and again at 3:03 p.m., no answer.

On August 18, 2010, 4:45 p.m., I spoke with Gwen ** (866.702.5963 ext. 1801943). Ms. ** informed me that our modification was denied because we filed bankruptcy. On August 24, 2010, I have called Ms. ** again several times, no return phone call as of this date.

We are not sure what CitiMortgage is doing. In the letter sent to our attorney's office, it states that the company is not trying to collect this debt, but sent us a mortgage statement for payments for June, July and August. I asked Ms. ** why we would be denied because we filed Chapter 7 bankruptcy. Chapter 7 has nothing to do with our mortgage. The reason we filed bankruptcy was because my husband had just found a job in November of 2009, (after being laid off for 18 months) and credit card companies started garnishing his wages. At this time we could not afford any wage garnishments because that would prevent us from making our modification payments.

Ms. ** said she did not know much about bankruptcy laws and that she would ask her supervisor, Naomi **. After numerous calls back and forth, Ms. ** did assure me that her supervisor told her that the reason our modification was denied was because of us filing bankruptcy and some kind of bankruptcy law.

I contacted our bankruptcy attorney, who told me that there was no such law and if there was, to ask to have it sent to me in writing. I have contacted CitiMortgage every week from this day to only have representatives hang up on me. My calls are not even being taken at this time.

I did Google some things on the Internet and came across a website called loansafe.org and it listed this number, 866.915.9417 option 4. I did contact this number on October 12, 2010 and this is when I spoke with Renee and was asked to submit this letter. We have still not resolved this issue. The last time I checked my credit report, it states that we are in pre-foreclosure proceedings!

I am so sorry we even applied for this modification. Clearly, this modification was created for people like us, and we cannot even take advantage of it. We have never been late on our mortgage payments, ever. This is the most stressful ordeal we have ever had to endure. Just when we think we can recover from an unexpected layoff, CitiMortgage is threatening to foreclose on our home.

We are hard working tax-paying citizens; I just cannot understand how this could happen. We will, however, keep trying to contact who we can, to see what can be done in this matter.

I am so frustrated at this point. I have been a mortgage processor for 15 years. If I had treated my customers the way I have been treated and talked to by Citimortgage, I would have been out of a job a long time ago. To top it all off, when I was able to speak to one of the customer service people, they told me what income they were using for me and my husband and what debts they were using. I lost all control. They were only using our net income which shorts our income considerably and they were also using a debt against me that is satisfied, and another that has only 3 payments remaining on a car loan.

Per FHA guidelines, they are to be using gross income and they are not to include debt if there is less than 10 months remaining. When I told the representative this that I was talking to, I was told, well we can have a supervisor pull your file and re-review it. That was 3 weeks ago and I am still waiting. They told me 2 weeks ago that we qualified for a special forbearance since our income was not enough. When I told them I was disputing my income, they closed my case! When I found this out, I demanded to know why and they said it was because I declined the forbearance. I told them never once did I use the word DECLINED, and they could pull every one of my phone calls to verify.

I demanded that a supervisor reopen my case and miraculously, it was done immediately. Now with my sale date 13 days away, I called Citimortgage to get the terms of the forbearance since this will be the only way to push the sale date out on my home. They were basically forcing me into a forbearance since they are not willing to work with the consumer to save their home. I have yet to hear back from anyone to confirm the terms. I am very upset that they were doing this to me and I even know the guidelines and they are not abiding by them. Does anyone have any suggestions? I'm so stressed it's beyond reality.

We have tried to modify. Their idea of a "modification" is to actually increase our payment.

We have several interest extensions (my husband was in a pretty bad auto accident). To "modify", they want to take the extension interest and add it back into the original balance and then refinance. Meaning we would be paying interest on top of interest.