Citi Mortgage Reviews

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.

My husband has to show his income quarterly as being self-employed, but the woman at our local housing assistance who had been helping us, talked to someone at CitiMortgage and was told that at the end of our trial period, it would be re reviewed. We just finished our trial period and they called us and told us that our documents were ready to sign online – there’s no actual paperwork!

I told the woman that we were told it would be looked over again because my husband makes money some months and other months he doesn't. I told the woman it was unfair to look at just three months of income, especially since we just sent them our tax return that shows just how little we make. She said it was not looked at again and we had to accept it because we could not apply again.

We are still paying over $2,000 a month and a 4.95 percent adjustable rate. How is this helpful, as I understand that at the end of 5 years, our rate will be higher than what it was in the first place. With an income reduced by half, I'm not sure how long we can go on. We have no savings left and have been borrowing money from family. I told her all this while crying on the phone and she just did not care! Not to mention, when I called her back on the extension, she has left. Someone else answered and I asked for her, but he said he didn't see her at her desk. So I asked if I could have her voicemail and he said they don't have voicemail. I asked if I could leave a message for her with him and he said to just call back in the morning. I had my husband call back five minutes later and someone else answered and they found the women who had called for my husband. They just do not want to help people!

I thought that unusual, but really didn't question it. I believe that my lack of knowledge in buying a home was taken advantage of by these parties. They had knowledge at the time of running my credit report that I had outstanding debt, of child support, and a student loan, in which I am still in debt for.

I believe it was their obligation to let me know as a consumer that no matter how I wanted a home, I couldn't afford one at that time. They didn't do that. My home went into foreclosure. I couldn't keep up with the payments. They said I had collateral on the home, that's on my credit report.

Unfortunately, my employer just laid me off again. My only income (when it kicks in) as before, will be unemployment benefits. I sure as hell do not want to re-initiate another modification as the stress, phone call waits, misinformation, untruths, loss documents and repeat of my story to over 20 representatives are too overbearing. I'll probably lose my home this time as I will not reapply.

So at that point, they told me I had exhausted the amount of repayment plans allowable and now was left with trying to get a loan modification. I filled out the workable solutions packet online and submitted the required documents. I called back in late May to make sure the documents had been received. They were received on May 17th, 2011. At that point, I was told that I was waiting on being assigned a counselor. I had continued making my monthly payments as scheduled. My husband and I didn't have a problem making the payments anymore. It was just trying to resolve the amount we were behind from the end of the previous year. Anyhow, I called back every other day to check the status. I gave the same story to a different person. I was told it is still waiting to be assigned. So on May 28, 2011, I got a message from a Tawana **, who was my assigned counselor. She left me a number and an extension, 1-877-309-0917, ext. **.

I called the number back immediately and got someone else named Tawana. She said, "I'm sorry this happens all the time. You have the wrong Tawana.” I explained my situation again and she told me she couldn't help me because she was not my counselor. She told me she would let the right Tawana know that I called and she should return my call. So I waited a few days and nothing. I called back on June 1, 2011 and talked to Barbara in the home modification department. Keep in mind, I am calling the same number Tawana left and told me was her extension. So I'm talking to Barbara and telling her my story. She is very apologetic and tells me she will send Tawana an email telling her that I have been trying to reach her. Barbara tells me if I haven't heard back in a few days, to call and ask for a supervisor. Once again, I didn't get a call and found myself calling again. On June 13, 2011, I called the same number and talked to Jonathan.

Jonathan told me that Barbara didn't follow the proper procedure on notifying Tawana that I needed her to get back with me. He told me that he needed to set up an appointment with Tawana to speak to me. Basically, he needed to know what the best time for her to call me back was. I told him I was available after 4:30pm EST. He said she would call me back within 72 hours. At this time, I also set up a payment for June and July. So 72 hours passed, and I received no call from Tawana. At this point, I am exhausted. I'm tired of calling, talking to different people, getting different stories and not getting any results. I decided to wait about a week and call back on 6-22-2011. At this time, I'm told my review for a mod has been closed! It was closed on 6-14-2011. That is one day after I talked to Jonathan. Are you kidding me? Now what do I do?

I asked her why it was closed and she said it was because no contact had been made about the account. What do you mean no contact has been made on the account? I have called weekly trying to get this resolved. Tawana called me once! And that was the initial phone call that unfortunately I didn't catch! I am furious once again but the rep. assures me that she is going to rectify the problem. She reopens the review, asks for my income and expenses, and tells me I prequalified for traditional loan modification. She then told me to give it a few days and call back to see if it has been assigned a counselor. I called today to talk to someone about these little yellow envelopes that they are leaving at my door. It was the basic customer service number and the gentleman I talked to was horrible. He was very rude, probably the rudest person I have dealt with thus far.

I asked him why they keep putting these things on my door. He says because the account is delinquent. Yes, I am well aware of that. I explained how I call on a weekly basis to try to resolve this issue and I could understand sending someone out if you are unable to reach the customer. But, come on, I call every week! Seriously, it is a total waste of gas and money to send someone out to my house to leave out an envelope on my door to let me know my account is late. Duh! I know this! I am just so aggravated that I can't get any answers and get this resolved. I understand that I am at fault for being behind on my payments, but I have been making regular monthly payments thus far and will continue to do so. All I want is a resolution and someone to give me a straight answer.

Once I finished the bankruptcy, I applied for the HAMP loan program and completed the necessary trial monthly payments. I was told that I successfully completed the process and I had an online account to make my payment through. Now, when the 1st actual payment is due on June 1, I can't access my account. I get hung up on or was transferred to collections then they would tell me that I need to talk to the bankruptcy department! I never received a physical new mortgage contract but they only read it online per their insistence. I was supposed to be able to download my own copy but can't even do that until now. Suddenly, everyone just disappeared who could or who was helping me. I believe that they are trying to cause clients undue duress by causing us to miss payments by not sending the statements and not letting me/us to do it via the online system. The bankruptcy department is rude with clients. Their attitude is pompous and judgmental.

I was told as long as I could bring down some of my debt during this time that I would be able to qualify for the modification. Now, six months have passed. I call to speak to my counselor who is no longer in that department. No new counselor was assigned to my loan. I was told to resubmit the request for modification paperwork with updated financial information. I did this on 3/23/11. As of 5/12/11 I have been told my request was lost, then closed, that it is being worked on, or that it is being escalated. I have even talked to supervisors. I believe that we will lose our home. I have talked to the several people.

Now we are being told that we are in default and the date of default is Nov. 2010 (the date our loan modification was sold to Freddie Mac). After several attempts by telephone and in writing, I finally spoke to a manager (Allen) who informed me that the reason we are in default is not because we were late with our payments but because of the clerical errors Citimortgage made on the first two loan modification documents. The only way for us not to lose our home is to pay several thousand dollars in late fees and penalties. I have contacted HUD, HOPE, Freddie Mac, the Federal Trade Commission as well as several other agencies who "all" say they cannot help us. I even wrote a letter to State Senator Al F** who never responded. Therefore, we will lose our home not because we missed or were late with a payment but because Citimortgage made a clerical error on two of the three final modification documents. Citimortgage refuses to work with us to resolve this matter.

Our mortgage is with Citi Mortgage. In February 2011, my husband wrote out the house payment and sent it off. Then, we got a notice about three to four weeks later that said we were in default and had missed our February payment and was headed for foreclose. We called and they said it went into the "bucket" because he accidentally wrote it for 10 cents less. Yes, 10 cents! Really! So then they wanted to charge us outrageous late fees plus $15.00 for over the phone payment.

Finally, we got hold of a lady there who was very helpful and she also said that this is crazy and she couldn't believe it. She said we should not be in that division and she would contact them to get us out of that division. Well, she waived all fees and got February and March straightened out. Then, we sent off our April 2011 payment (the exact amount due for the month). It was cashed on the 11th of April. We called to make sure everything is okay. Guess what?! They say they didn't get the payment. I come to find out it was put in the "bucket" again and not applied to our mortgage!

To try and save my husband’s credit, we had to pay April again and May plus late fees and a $15.00 over the phone fee. This is really crazy! Lots of stress, needless to say. We are thinking of getting an attorney. They have reported us to the credit bureau and have ruined my husband’s excellent credit. That's going to be another fight.

Any advice? We can't believe this is happening. It’s like a bad movie! We have overpaid the late fees that were not due! April was the exact amount and letters to foreclose! We will not loose our home because of a bank error. What about all our money that's in the "bucket"? Should we get an attorney? Any advice, please? This is really a true story. All because of 10 cents.

The closing was canceled because of this and as of today 4/1/11, we remain without the requested documents.

Citi would have let my account go past due affecting my credit and charged me fees had I not caught it. Charging me for something that I obviously can do is nothing short of extortion.

After the fire, I was jobless for over a year, no money to get an attorney I need to get the insurance co. to pay me for my house hold property and and the fact that I am still displaced, they did not find me secondary dwelling, they did everything they could to deny my claims. Please help.

I have faxed them no less than 6 copies and each person I speak to say that they need a copy! Now there are over $10,000 legal fees attached to this mortgage, and after speaking to all these people about the unnecessary fees, all I get is, "so, what do you want us to do about that?" We have not received a statement from them since May of 2009, all they would say is "so what... Deal with it."

Citimortgage got money from the government, the big executives got big bonuses and this is how they deal with the "little people"? They are all corrupt and need to go to classes on their people skills and better customer service!

The tax collector sent them a check back registered mail and I sent them a check for the insurance company's registered mail. In the mean time, they did not close the escrow and I received bills for double my normal payment with interest. I was 1 month behind and I made two payments in Dec. 2009 along with the late fee. After a few months, they finally closed the escrow but I continued to receive outrageous bills and phone calls with foreclosure threats in the mail. I sent the research department and tax department registered and certified mail copies of all my bank statements, tax receipts, and home insurance receipts. It cost me a lot to pay for the bank statements, gas, time faxing, and registered mail. That was a year and a half ago.

I called them at least 3 times a week and spent hours on the phone literally 6 hours a week getting transferred, put on hold, usually disconnected, and then being told that it would be straightened out in 2 weeks. I am still getting foreclosure threats. I am still calling them to no avail. I got one bill saying that I'm 2 months behind and I owe about $1,500.00 and another bill saying that I owe $272.00. When I called to make my payment on the same day of every month, I get another amount that I owe. I explained the same thing to about 4 or 5 different people after hours on the phone and I always got the same result.

"It will be resolved in 2 weeks and we will call you every month," but they did not call me. This has been going on for a year and a half. I have MS and stress will put me in a wheelchair. I am almost pushed over the edge by this company. They saw the 2 payments that I made in Dec. 2009, but they didn't know where the first payment went. One time they told me that I had paid $487.00 too much but they didn't know where that went either. I have been paying my mortgage for 18 1/2 years and it is supposed to be paid off on Nov. 2012, and now this. I have sent them proof that I am not behind with payment, taxes, and insurance. I have cancelled all of my checks and this has never been resolved. My credit is ruined and I am having MS exacerbations daily due to this. What is left to do to get this straightened out?

It cost me hours and hours of time on the phone, MS symptoms, blurred vision, difficulty walking, pain, money sending fax, registered mail cost of duplicate bank statements, gas, and headaches. I live quite away from town so all of this has taken so much time with stress.

Citi Mortgage had collected almost $3,000 in my escrow account and sent a check to the City of Milwaukee to cover my property taxes instead of sending the check to me directly as I had requested both in writing and by phone. I wanted to pay Citi Mortgage instead of the property taxes in a lump sum with the escrow money. Citi ignored my hardship and my wishes for how money that belonged to me should be used. Now Citi is informing me that I'm behind on my mortgage payments and gave me a date in early February 2011 to pay the lump sum or they will pursue foreclosure.

We have most of the house built. The inspectors were there. Now the Citi Mortgage is not releasing the last $45,000 for us to finish the house. They say it is in their legal department however we can never talk to anyone in that department nor have we received any information. Keep getting the run around. I have a paralegal helping me but still no money. We have sent them all information they have asked for several times. They claim they don't receive them but we have proof they did. They are trying to steal the money. I am not behind in payments.

This is a crooked outfit.

Ever since and, to the present, I have been persistently and more desperately calling and intending to adopt the deferral options I’m only encountering barriers and no disposition. There are numerous obstacles from their customer service team. In two occasions I was induced to come up with a monthly payment as condition to be considered for the extension (deferred payment plan). Embracing hopes to survive the hardship I have borrowed the money required to meet the extension terms; however, the feedback corresponding to the petition have demonstrated to be more manipulating than responsive. By November 2010, when still debating alternatives, I was advised that authorization forms were required only to initiate the request to be considered for the extension, but these could not be mailed and were only available via fax.

This only option again limited my avenues because I do not count with a fax neither risk the exposure of confidential data while using public faxes. In good faith a relative offered her employment fax number along with her disposition to monitor the document. Only then I was able to receive the form which I proceeded to complete and fax back to City Mortgage within same day (11/23/10), hoping to conclude the preliminary requirements. On Nov. 27, 2010, I called again to obtain resolution; however, I was advised that income and expenses data was required (second time provided) in order to proceed with the extension "request".

Further attempts to obtain resolution followed almost daily until December 13th, 2010 when customer service representative "Erica" notified that my request was approved and corresponding documents required in order to seal the new plan were mailed December 10, 2010 to my residential address on file. At sharing my frustration with the representative, this one threatened aggressively stating, "Ok, I will now disapprove your request," and proceeded to hung up the phone without allowing response.

Seconds away from the incident I proceeded to call again, but the call was handled by a representative named "Maria" this time. When requesting the involvement of a supervisor, representative advised that there was no supervisor on site; however, she will forward request for a call back to customer when supervisor is available at the telephone number on file (verified). To date none of the telephones on file have recorded a call received from City Mortgage in reply. December 16th, 2010, I received correspondence from City Mortgage dated 12/10/2010. It was only informational and presenting the option of the extension for hardship customers in general.

December 21st (today), I’m attempting again to resolve this matter and spoke to representative "Samuel" who advised our request for the extension was denied. I deeply regret to conclude that mortgage companies like City Mortgage do not precisely attempt to assist their customers but more indeed neglect to explain and/or facilitate the access to programs and/or options enforced by the government intended to be available for their clients.

From an external view the mechanism and the dynamics applied by City Mortgage while managing these programs implies a sense of strategy or manipulation among guidelines and regulations inducing clients to invest a remarkable amount of time in their efforts to access the programs or even lose their properties as consequence of the barriers imposed and/or the psychological frustration while trying to achieve a resolution. Consequences have developed and escalated to impact and/or affect our finances and mental stability. The level of sensitivity and the commitment are both crucial and primary for our family of 6; therefore, the lack of provision and efficiency from City Mortgage has a damaging effect to our health.

When I started this process, I was told that I was on six months trial period at $1,035.91 but I was not told after the trial period that I had to go back to my original $1,337.19 payment. As a result, I received a letter informing me that I didn't send them $8,547.00. By the 23rd of December, my house would go into foreclosure!

I'm 71 years old and this is just not right. I haven't missed one payment of the $1,035.91 since the loan modification began!

These people, I believe, are dragging their feet purposely so they can put this place in foreclosure. I need help on this matter. I'm a widow on a fixed income as well, and it is worrying me not knowing what is going to happen! Something has to be done about this company. It seems strange that it should take one year to get this done!

My house will be going into foreclosure on December 23rd and I have no way to get $8,547.00 before that date.

Their claim is we mailed it in late. Not so. Their processing time is slow and when the check does get cashed, they have hit us with a late fee. I think this is just another way for the lender to take advantage of the consumer and make money for themselves by justification. When you call them, you either get a recording or bounced around from one person to another and eventually you will get hung up on.

In September of 2009, I again called CitiMortgage and inquired about a loan modification. I was at that time placed on their forbearance plan and was told that if I made payments of $600 a month, I would qualify for the loan modification and it would take place within 60 days after making the 6 months worth of house payments. When the forbearance was complete (in April of 2010) I contacted Citi again. I was told they would send me out the packet for the modification.

On May 28th, 2010, I received a letter from Citi stating that I was behind in my house payments in the amount of $7000! I called immediately. The packet was dropped between the cracks and would be sent out immediately. The next piece of mail I received from them was a letter stating that I needed to contact the foreclosure counselor stated in the letter or risk foreclosure.

I placed the call immediately. For the next 4 months, I worked side by side with Deb. I began to panic as I was served with foreclosure papers and on the sheriff's sale for September 14th. She advised me to file a postponement of sale with the county which I did. We called every day. My paperwork was sent over and over again. I have faxed confirmations as well as read receipts. We would call the very next day and Citi workers confirmed the paper work was received, yet the next day I would receive up to 12 calls from them stating they had not received the requested paperwork.

Still today I receive up to 10 calls a day from Citi and some of them come before 8 am! The mortgage counselor told me that they would not do a loan modification because I have too much equity in my home and that they wanted it. With that, the counselor walked away from helping me any further.In November I requested that Glenda ** return a call to me. I called every day for 5 days in a row. She never called me back. I was then told that Clarissa ** was in charge of my account and things were ready to go to the underwriters. I placed a call to Clarissa to see what was up next for my account. I had her direct dial number as she was the one who called my cell phone before 8 am. I placed more then 5 calls to her and she never returned a call.

On November 6th, when I talked with Citi, they stated that a new packet had been mailed out to me. On November 11th I still had not received it, so I called. They assured me that it indeed had been mailed and I would receive it in the next 2 days. On November 23rd I finally received a letter from Citi requesting that I complete the packet and have it returned within 7 days from the date on the letter, that had this highlighted. The letter was dated November 12th, the post mark was the 15th, and it arrived in my mailbox the Tuesday before Thanksgiving.

November 12th plus seven equals to November 19th. I immediately called Citi and asked to speak with Clarissa **. That is when I found out a person by the name of Franklin was handling my account! Ironically enough there was no packet enclosed in with the letter. I received the packet on the 24th. It was sent UPS (overnight) to me on the 23rd.The person that I spoke to sent an email to Franklin while he had me on the phone, or so he said.

As of today's date, Franklin has not returned any of my many unanswered phone calls. On December 4th, I received another call from Citi. Again I requested that Franklin return a call to me. On December 6th I received two calls from Citi. During both calls I requested that Franklin return a call to me. While speaking to the person who placed the 2nd call to me, she placed me on hold for a very long time before returning to talk to me. She stated that Franklin had made a notation on my account that he spoke to me on the 30th of November.

This is so untrue. I have never, ever spoken to Franklin, period. She became very stern with me and said that Franklin would not note my account with falseness. Yet he did. I told her that he reported a false notation; she said I must be mistaken. I told her my cell bills will prove that I did not receive any calls from anybody on November 30th; she confirmed the date over and over that I did indeed speak to Franklin on November 30th. As of today's date of December 8th, I still have not heard back from Franklin. I know that there is a class action lawsuit against CitiMortgage. I have googled the case and read it in its entirety. If I was to change the name to my own, the story remains the same. I am not sure why all of us homeowners can't get together and take a big fat stand against these people who are playing God with our lives.

The next letter I received stated that due to my credit score my case had been closed. They have reported me to all the major credit bureaus and my home goes on the sheriff’s sale on February 14th. I live in Minnesota and have to be out in the middle of dead winter with two sons. We have no place to go. All due to the shenanigans that goes on within CitiMortgage.

I called back several times to make sure that we would qualify for a permanent loan modification. They said they don't usually approve for trial period if you didn't 99.9% qualify. My husband and I made our payments faithfully on or before the 1st of each month. In April of 2010, we received a letter of denial. The letter stated that we made too much income. The person I spoke to on the other line said they would put us through for a traditional modification. They could not accept a partial payment though we would have to pay the full amount we were behind which was $20,000.

It's sad and I feel like I'm going to lose my home over this. For almost 18 months (and 200 pages of documentation of poor calls, no notes taken on Citi's side, etc.), I have tried to send payments, been refused and turned down "because you're in modification." It's insane. I need help.

Several letters were sent to me telling me that more of my personal information was needed. I sent the information and payment that was requested each month until October 2010, the same information was requested and I therefore sent the requested information and payments each time.

Then I got a letter telling me that they sold the loan to IBM to be final on November 1, 2010. They were still sending me request for info as late as October 28, 2010. On November 1, 2010, I called IBM and they told me to call back in a week because they didn't have all my paperwork yet. On the 3rd of November (after the loan had been transferred), I got a letter from CitiMortgage saying I was denied loan modification and another letter saying I owed $16,000.00 (plus) due by December or I would be in default.

Now. I can no longer talk with CitiMortgage. I have to talk to IBM! IBM says I owe them $14,000 in back payments due by December 16, 2010. I wasn't behind when I went into this loan modification to begin with. Now after following all the instructions to the "T", they're telling me that I must come up with money or lose my house after doing just what they said make only the modification payments of $713.00 per month.

IBM now wants me to re-apply through them (IBM) for their loan modification. Sounds like a "catch 22" to me. What should I do now? I'm afraid to ask for any more help after what I'm going through now. I believe this constitutes the following involving CitiMortgage: Breach of contract, Breach of the Implied Covenant of Good Faith and Fair Dealing, Promissory Estoppel, Violation of California Business and Professions Code Section 17500 et seq.

*August 2009- Full payment sent in.

*September 2009 we contacted CitiMortgage regarding our payment, at first they told us we had to be 3 months behind before they could help. I kept calling them, finally they wanted a modification so we filled out the paperwork and sent our full payment in.

*October 2009 turned down by CitiMortgage they sent us to HOPENOW, who turned us down until we could get under their guidelines. So we quit paying vehicles, credit cards etc. to get in their guidelines.

*November 2009 received a call after Thanksgiving we had been approved, what payment could we afford, since I am the only one working making $7.28 an hour, with his unemployment, $500. We made our first payment on December 2009. We never received paper works to sign, nothing ever mentioned about balloon in payment in March. We had three months to get on our feet.

*December 2009, made our first payment. Brent found work out of town making $16 an hour when the work was there. I was making $7.50 an hour. We were playing catch up on Bills, let the credit cards go:( By now we are several months behind on everything. Getting phone calls up to 6 times a day from CitiMortgage wanting money and not knowing that we are working with HOPE NOW and requesting a modification.

*Jan-March this cycle continued. We contacted HOPE NOW, never spoke with the same person twice and they told us to keep paying the $500 and they would let Citi know. Citi would call and whom ever we spoke with would either say, yes we were still with HOPENOW and continue sending payment or that we didn't qualify and to do theirs. We sent in theirs, it was once again rejected. We sent in our March payment on a close deadline, our payment had to be there by the 17th, I over knighted, due to payday's I had to over night it. Citi got it on the day it needed to be there, didn't process it until the 18th making payment late, so now we have this $9,000 payment due. We started calling to see what the heck. We mailed our payment I have confirmation it was there on the 17th and they choose to process it the next day? Now the fight was on.

*April 2010 we mailed in our payment of $500 as instructed by HOPE NOW and the Citi employees that we spoke with that stated we were still OK to do that, and argued with the ones who refused to read notes.

*April 24 we received notice on our door that we had two choices, modification through CitiMortgage or HOPE NOW or face foreclosure. We received in the mail the "right to cure and sale our house" letter from CitiMortgage attorney Castle, Meinhold, Stawiarski.

All correspondence goes out certified return receipt from this day forward...

*April 26 I went to the Clerks Office and retrieved ALL paperwork associated with this house under Brent's name. Found that the First Deed was sent to recorders before he ever signed at closing, as well as the same thing on the loan we currently have. I started going through all loan docs from 2006 and 2008, found that the first set of 2006 no signatures from anyone including Brent. The second loan 2008 only signatures were Brent's, no others there is false signatures only the signature with Brent's name and date are truly his, all others are not his. The notary for Mesa County signed before he did and dated the paperwork as if she was there to witness his signature.

*April 26, 2010 we mailed off a money order to the original lender for the amount that Citi's attorney requested, $212,569.39, made copies for Attorney and Citi and sent them out. Along with a qualified written request to all who were involved. First Community Mortgage received it on May 3.

*May we sent out the $500 payment and I bought a tape recorder. I was tired of being told different stories by Citi employees and started sending out letters to anyone who would listen. CitiMortgage employees were still contacting us, wanting money or modification or to argue with us. Getting calls from a 636-261-2484 number that nine times out of ten no one was there, when the recording stopped, someone one would come on and then pretend not to hear us and hang up. These calls would come in sometimes up to 6x's a day, call the house the Brent's cell and do the same.

Started tape recording all calls from this day forward...

* May 19, received a call that the $500 payment was refused and would be sent back, we questioned where the money order for pay off went. I gave him my sisters trust number and federal reserve number. He stated he would look into it. Getting calls from a 636-261-2484 number that nine times out of ten no one was there, when the recording stopped, someone one would come on and then pretend not to hear us and hang up. These calls would come in sometimes up to 6x's a day, call the house the Brent's cell and do the same.

*May 21 I called customer service and spoke with an April and asked here where money was at. She confirmed on Tape that the pay off money was there, she spoke with her Manager Kyle ** or ** and he also confirmed and that title would be released to us. By the end of the week we would get a letter stating congratulations on paying your house off and letting us know when we could expect the title.

*May 24, received a letter from Attorney stated we need to find another place to live, our house is going up for Auction on August 18, 2010 and we also received paperwork from the trustee as well (5 envelopes) stating that as well. We called Citi and spoke with a lady in Loss Mitigation, name is on recording that stated yes the money was there and that the title was now in litigation what ever that meant she said. She requested that we contact the attorney. I'm still sending out letters to everyone and anyone requesting help. No one from our local FBI, constituents, to our Senators, President and VP will help us. Everyone is stating they cannot help us this is not their area. Even our Attorney General refused to read or listen to us. I'm determined and keep fighting with Citi and keep tape recording and keep digging into this.

*May 25, we called the Attorney and talked with Mary of Borrowers assistance..tape reordered her as well, they are in daily contact with Citi, title in litigation and that everything is now on hold. I am still sending out letters, digging, requesting title be released.June we get a letter from Elizabeth with Attorney requesting copies of front and back of cancelled check. Well there is no cancelled check/money order, Citi is sitting on the money. I resend her the front and back of money order where my sister signed it, not a word from her, we cant even talk to her on the phone, we get the run around.

*June 24, I call the trustee office, sure enough sale is back on and its now listed in the paper. Making my husband look like a dead beat and that he can't pay his bills. I am furious. Still getting nowhere with the attorney. *

June 28, Brent receives a phone call from a Michael who is employed by CitiMortgage, doesn't state what department he works in, is rude and won't let Brent speak, just keeps telling him, when Brent asks why is my house still up for sale when the money is there. Finally Michael shuts up long enough to really listen to Brent and he also states, yes money is there, title in litigation, and that is just how they operate in regards to the foreclosure. They will more then likely pull it at 9:59 on the morning of the 18th of August.

July, I start looking for an attorney to help us with this nightmare to get this stopped, finally he asks me to see if a 120 ruling, motion to sell has been placed in District Court as well as contact the Attorney's again and tell them to stop this foreclosure until answers have been truthfully satisfied. I do that, and get no response. All we keep getting is the run around.

*July 19, since we have never received any 120 ruling, motion to sell our house from the attorney or the court. I make a phone call to our District Court house, nothing is there. It has never been filed.

*July 21, received a call from Norman ** with HUD who is requesting I do this and to let anyone who calls that they are welcome to contact him regarding this case and HUD/FHA investigating this on our behalf.

*July 25, we call CitiMortgage after a message had been left on our recorder at the house, requesting we call ASAP its urgent they talk to us. We speak with a Jennifer in Loss Mitigation who first wants copies of his pay stubs and income taxes from last year, when we question her, she states its because of our loan modification? We explained to her, we never asked for one, why would we when the money is already there and title in litigation. She puts on hold, so she can "research this" she comes back on and states; on recorder, that our title is now released, money is there, everything is worked out and that hour house was sold.

My heart sank when I heard "sold" I asked her what she meant and she stated that we bought our house, it's now ours. When we asked when we can expect the title she stated we needed to contact customer service. We received a packet from Vivian **, who did not sign anything from Legal Support, Research and Litigation. In the packet they stated they do not have to give us anything that we requested back in May.

*July 28, contact District Court, Still nothing there. *

July 30, we contact customer service, get Christine in Loss Mitigation who is now stating money isn't there, house still up for sale, we ask her to transfer us to Customer service. We get Shawn who states, money not there, house up for sale. I ask them if they would like to contact Norman ** with HUD since HUD is going to launch an investigation on our behalf against them. He/she ignore us.*

August 2, I contact District Court again, nothing there.*

August 3, get a call from 636-261-2484 we stayed on the line to see if someone would actually come on or if the phone would hang up, or if someone would truly answer and talk to us instead of pretending to not hear us. Denise with CitiMortgage and Loss Mitigation came on the phone, at first was very nice and polite, she put us on hold and when she comes back she was rude, hateful and disrespectful. She kept stating that we were basically liars and that they have never received any of our paperwork regarding copies of paperwork that they requested. Brent stated more than once that we sent it to their attorney and that we have signed return receipts stating that attorney did get all information that was requested and she became upset and stated that our house would go up for sale on August 18.

She also stated that Jennifer put on the notes on our account that she spoke with us and that we stated that we paid the house off. There was nothing there in regards to what she stated to us in a recording. I told her that if we were not recording her at the moment I would let her hear what Jennifer told us, when she found out we were recording her, she became even more angry and threatened us that we either quit recording or she would end call. When Brent asked her why they could record us and we couldn't record them.

I stated because we could use them in a court of law against them. She stated we could not and she argued with us over it and when Brent stated that we asked an FBI agent here in Junction and was told we could, in the state of Colorado as long as one person was aware of the recording it was ok. She wouldn't continue on with conversation as long as we were recording. I told her good bye, and she asked us to quit recording and wanted to continue on telling us that they would take our house on August 18 and I told her oh no she wasn't. We never told them that they missed steps, nor did we let them know that upon my digging I have found that Mers nor CitiMortgage had a business license in the state of Colorado to do business. So the injured party here is actually Brent.

*August 11, 7 days before our scheduled sale date, a 120 ruling is put to the court...the following is from Court on Sept 29, 2010.

In April of 2010 I started going through my husbands loan docs, guess what no notary signed his loan docs with him, his title was placed with the clerks office 4 days before he even signed the paperwork. I have a document where my husbands first loan, (August of 2006) wasn't paid off, yet a second; oh wait come to find out it was a "line of credit", and not what my husband was told was a second mortgage on his house, was paid off. I have a document showing where my husbands first loan (August of 2006) Was not put as a debit to my husband, yet as a credit to the first lender in 2006.

I have a document from CitiMortgage and saw a document in court on September 29, 2010 where the "NOTE" has "paid to the order of CitiMortgage" signed by one Debra **. The one we saw in court has two "paid to the order of" stamps with signatures on it. I subpoenaed the "original wet ink signature" to inspect in court, guess what? Saw a copy only and Mr. ** (spells his name in caps) would not give us a copy of it as we have been repeatedly asking for since April 29, 2010.

Remember I subpoenaed the "original" not a "copy" yet Citi's Witness testified under oath that it was the "original" one. It was a "copy" clearly you could see it was a "copy" and we never got our "copy" of this "supposed" "original wet ink signature" as I stated in our subpoena. Which clearly has the two "paid to the order of" stamps with signatures on it. Which we have been denied as our right to have. I also subpoenaed the call logs and accounting. We were handed our copies of those, upon inspections of the call logs several calls were either deleted, or completely changed, we also saw several entries that were repeated that we didn't say.

There are several entries from the Attorney as well, several entries where I supposedly stated one thing, when in all reality I never said. We spanked them on the "true and accurate" account of all calls that came in or went out, regarding our case. I had/have tape recordings of every phone conversation ever had with CitiMortgage employees beginning May 19, 2010 to well when ever we get our money and title back. Then and only then will I stop tape recording. Upon inspection of the "true and accurate accounting" that they (CitiMortgage witness and counsel) had, we were able to get them on that as well. There were payments missing from August and September of 2009, on. CitiMortgage witness also stated that as soon as "foreclosure proceedings have started, they return all money that comes in as payment. Well then if that is the case, then why did they accept a $500 payment in April and start foreclosure procedures against us? Why wasn't that money returned when the May payment was returned? Why is there $1490.46 setting in an un-applied account that Citi is refusing to return.

They didn't put any money towards payments like they were suppose to, so why are they not returning our money? Even the witness for CitiMortgage stated; "they return all money once foreclosure proceedings are started". So where is our money? (side note, 11-16-10; as I sit here and go back through their so called True and Accurate Accounting I have found that there is more then just the above mentioned amount setting there, there is another $1509.54 setting there that no one is mentioned to us yet. For some strange reason there is an extra $1000 setting there as well that we have no clue where it came from.

So in total we have missing from the "accounting" over $6000, when I call Citi to get an explanation, they now tell me that there is no record of my husband giving them permission to speak with me. Really? You idiots there is plenty of verbal and written faxes that we have recorded and copies of. Again the run around from these complete nimrods) CitiMortgage witness on phone; (ok how in the hell do we know that she truly was with Citi, she was who she said was, and was actually looking at "printed" documents that the judge ordered her to print off of her computer, yet we never heard a printer go off? This is why in our response to Counsels motion to have Citi appear by phone, we requested that it be denied and witness appear in person for credibility and assessment of them as they testified, we wanted this so called witness to look us in the face put faces to the people they were trying to destroy.

We were denied and theirs was granted) and Mr. ** with Castle, ** and ** out of Denver, stated for two hours "They have never received our payoff payment, do not have it". Yet upon cross examination of me, guess what appears, our payment. He even entered it into evidence as evidence #5. He was not a happy attorney, even stated to the Judge that our evidence was and I quote; "he had listened to our recordings and believed them to be fabricated, and manipulated and that there was no way we could prove that they were not".

With our evidence we were able to prove Mr. **, **, **, **, CitiMortgage and their witness had in fact lied and perjured themselves, entered fabricated, manipulated evidence as accurate and true into a court of law. Our evidence was in fact not fabricated and manipulated as Mr. ** wanted the judge to believe. He even argued with the Judge on her "over ruling" of his objection of her allowing our recordings in as evidence, really? Who does that, argues with a judge? Then Mr. ** requested a phone in, since it is "4 hours away, and for a 15 min ruling, isn't cost productive". It was so granted.

October 8, nothing. no word from Mr. ** or anyone in the office for that matter, yet there are Plenty of names on our documents as attorney's. No one called, so the Judge gave her ruling, based on all evidence that was provided on September 29, 2010; "Respondents are not in default, therefore motion authorizing sale is denied oh and the great thing on that signed Minute order; The attorney was FTA".

Well on October 14, 2010 **, **, ** and Mr. ** decided to do a "Motion For Reconsideration" really? Wait a minute here? This is a huge, cookie cutter, foreclosure company, who of all people should know; You can't file a motion for reconsideration, it's against the law! Then in your motion blame the Judge's clerk, the court house and lie stating that the judge didn't grant him the phone in? Really? Did I just read that correctly? Is this Law firm and this Attorney, blaming everyone but themselves? To actually lie in the motion? Wow, just goes to show the ** and the nerve that this company has. Then again, the ** and the nerve that CitiMortgage has.

I have a copy of an email from Castle, Meinhold, Stawiarski, that was sent to the Public Trustee's office on October 15, 2010, requesting a sale date of November 17, 2010. Yep you read that correctly. The Public Trustee was to sale the house anyway, even though Mr. ** and his law firm, and citimortgage, knew he could not. The judge said no! This ballsie law office and huge lending company, was hoping the Judge would let their crap and lies slide past her and she would be in a caring mood and let them have their Motion For Reconsideration.

After all, he was so busy the day of the Ruling, he was handling cases for another attorney in the office, he is all over the state handling cases and since it was her clerks fault that he didn't appear by phone, that should not be a reason to side with us. Please give him his second chance and side with him.

I believe in my heart, gut and soul that had I not called the Public Trustee's Office and brought our "signed order by the judge" to his attention, he would have sold our house at auction on November 17. That order was mailed from the Judges office at the Court house, to the Public Trustee's office, and placed in our file along with the one that we had taken to them before this.

Obviously and its quite clear that our account was never flagged in the system as having such a document? Why is it I had to remind them that they had a signed order? Why was it they put it on the books to be sold on November 17, with that signed order setting in our files? Why can't we do anything to the Public Trustee for ignoring the cold hard truth and facts in front of him! Why? Well the Judge got their Motion for Reconsideration on Monday October 18, denied stamped across the top of it, and her reasoning behind it. Well she simply stated; "Due to the statements made in the Motion for Reconsideration, the Court is promptly issuing this Order.

The Court has concluded that a hearing is not necessary and the presentation of evidence is not necessary. There are no facts alleged which would require evidence or further explanation. Based upon the testimony presented at the hearing, the Court's determination of credibility and assessment of the sufficiency, probative effect and weight of the evidence, as well as the reasonable inferences and reasonable conclusion that the Court drew from the assessment of the evidence, the Court entered detailed oral findings. Ultimately, the court determined that it could not find that the Respondent had defaulted on his loan. On that basis, the court denied the Petitioner's Motion for Order Authorizing Sale. In no way was the denial of the Petitioner's Motion for Order Authorizing Sale based upon the failure of Petitioner's counsel to appear at the hearing for oral findings. "

So you see, I have proof of the left hand not knowing what the right hand is doing. That their so called "continuously view our document handling procedures and believe the integrity of Citi's foreclosure process, and have not identified systemic issues" is a joke. Yep I said it joke! Here let me say that again; joke, lies, corruption, manipulations falsified and fabrications of documents, made up stories! CitiMortgage Witness testified that "CitiMortgage was simply the servicer and foreclosing on behalf of First Community Mortgage".

Really? Did she just say that? Seriously? Did she just say that? I have a document from First Community Mortgages Attorney stating they have nothing to do with this loan anymore"! How is that possible?...anyway There is no notary signature on any of his loan docs. No notary was present when he signed in 2008.

What about those "paid to the order stamps" that are on the "note", what about that $1490.46 setting in un-applied that Citi refuses to return, what about that $500 that was received in April when foreclosure paperwork had been started?

What about that $212, 569.39 pay off that was received by First Community Mortgage on May 3, 2010, CitiMortgage states they have on May 21, 2010 What about that recorded call on May 21, 2010 where April with Customer Service at CitiMortgage states, they have our money they will be releasing our title, we should get a congratulations letter, then our title with in 1-2 weeks.

What about that recorded phone call on May 24, 2010 where Debra with Loss Mitigation at CitiMortgage states our title is in litigation and she doesn't know why, tells us to contact **, **, **.

What about that recorded phone call on May 25, 2010 where Mary with Borrowers Assistant at **, ** and ** states that Yes our title was in litigation and everything was on hold, yes they were indeed in contact with Citi, and everything is on hold.

What about that add in the Legal section of our local newspaper, that the Public Trustee ran, after receiving our recordings, and me calling, exactly one month to the date, June 24, 2010 stating my husbands house would be up for Auction in August. Wait a minute, didn't Mary at the attorney's office state "everything was on hold, because our title was in litigation"?

Why is our house in the paper, with every real estate office and with realtrac as a foreclosure ?If Citi has the money, our title is in litigation, which means Citi has the money, then why are we being put through this nightmare, our name being drug through the mud, our house in the paper. My husband made to look like a deadbeat.What about that recorded phone call on July 25, 2010 where Jennifer with Homeowners Assistance at CitiMortgage states that our title is now free and clear and we should be getting it in the mail.

I believe Mr. **, should have done his homework, instead of believing what some of his employees across the nation were telling him, if what he stated to ABC was true, then....Why is some of his own employees stating they have no record of us ever sending in or them receiving our payment . Yet we have recordings of several who state other wise? If a title is paid off on the 21st of May, in litigation from May 24 to July 25, again I state; You can't have a title in litigation if money had never been received, and why did we have to go to court on September 29?

Why are we still having to endure this debacle that they caused, by their incompetence, manipulations, mishandling of documents, monies, lies, fabrications, stories, corruption, fabrications, left hand NOT know what the right hand is doing, lack of truth, honesty, reality, and most of all their greed! !Why do we still NOT have our money and title/deed/note, why is Mr. Gantenbien and his giant cookie cutter foreclosure law firm, still trying to foreclose, even though CitiMortgage, the Public Trustee, and his firm all have signed judges order; "we are not in default" ? How is this possible. Why won't Citi give us our title and money back? Seriously what are they going to do with it?How do we get our house off the foreclosure list when we have phone calls stating our house is paid off!

Why is CitiMortgage and their Attorney's being so stubborn? Why are they making this so difficult?All we are asking for right now is the $1590.46 and our Title/Deed/Note to our house, or simply our title/deed/note. This is it, we don't want to have to fight them in court for it, after all, we do have proof that they have our money, Mr. ** and his giant cookie cutter, fabrications, perjuring, corrupt, self righteous, manipulating, falsifying, holier then thou, disrespect for the justice system, court orders, laws, judges, better then anyone, don't have to do what the judge says and CitiMortgage, knows they have the money.

When is our nightmare going to end, my migraines, lack of sleep, too busy to stop and eat or drink anything, because we have to stay on top of these lying, conniving, corrupt, manipulating, snakes in the grass, 24-7 since April 24, 2010 to...well when they give us our money and title/deed/note, or title/deed/note back.... eat, sleep, drink, etc., going to end? This is a nightmare, we paid our house off, these bullies know we paid our house off, yet they won't release the money and the title/deed/note. Our new sale date, is Dec 15, we will go through this every month for the next 9 months until its been with the trustee for one year. After that, the trustee can no longer put our house on the auction block.

CitiMortgage and their attorney's are self righteous, indignation, holier than thou and feel, show and demonstrate on a daily bases by the crap that spews out of their mouths. We are looking for someone who can help us with "our special limbo" the judgments are piling up fast, and I am not sure how long I can keep them at bay.

After paying them $3300, we waited and waited for 3 months because they said modifications were on hold until the government settled all the guidelines and whatever. So finally, in June we started receiving paperwork. We got a very easy modification on our second mortgage with USbank. But the hell with Citimorgage was just to start. The company we were working with kept getting stone walled and finally gave up, and told us to file bankruptcy. We did not want to do that so we started dealing with Citimorgage ourselves. We sent all the information they requested several times over the next few months and waited. In the meantime, we had our pay cuts losing almost $2000 a month. We ended up having to file for Chapter 7 bankruptcy to try to save our home.

Due to the recession, our mortgage is way more than our home is worth, so selling was not an option. Up until Nov. 2009, we had not missed a mortgage payment. I started calling Citimortgage every other day. Every time you call there, you can never talk to the same person. I asked one man for his extension number so that I could call him back, sure no problem. I call the extension, guess what? It's not him and the new person I get doesn't know who he is. Any way we were late on our first payment, I guess thats what they wanted because on Nov 11 we finally were told that we were going into a trial period, our payments were being lowered by about $400 for 3 months. We were to make our payments on time for 3 months and the papers for us to sign were being sent out in the next 2 weeks.

Sign the papers, make your payments and in Feb. 2010, the end of our trial period, call for an update. Our first trial payment was due on Dec. 11 2009. We made first payment but still waiting for paperwork. We called on Dec. 15, they are resending new paperwork. Finally on Jan. 12, we received a packet, inside is a letter dated 1/5/10 requesting our required documentation of our income due 1/4/10. We called immediately asking how is this possible? We were told to ignore these dates, that there was a mistake and all packets were sent out late, just send it to us now. In the meantime, we have been receiving certified letters telling us we are being foreclosed on and harassing phone calls at home and work. Every time, we go through the same drill telling them we are in a trial modification program, we have sent our documentation and are making our payments as required. We called them in Feb. after making third trial period and told to call back in 2 weeks.

We called on Mar. 5 but started calling loss mitigation dept. due to our bankruptcy, even though our bankruptcy was discharged on Dec. 15 2009, and continue to make same payment every month. We called in April and were told to call back in 1 week. We called back in Apr. 28 and they told us our case was discharged due to house ratio. What? We were never notified! After having a meltdown, Edria asks for all my information again and says she is reopening our case and to call back around May 12 to ask for an update. We called, first we were told that we were denied but then changed her answer to we are entering into 3 month trial payment. Here we go again! Starting June, we are to make payments on time for 3 months and our modification will be finished.

September, its a miracle, we got our modification. We looked it over for any question and we were told to just call but it is non-negotiable. Our modification is that our interest rate is lowered from 7.125% to 4.625% for 2 years, third year it goes up to 5.626%, fourth year it goes up to 6.625% then fifth year goes up to 7.123% for the remainder of the loan. Also, they added $17000 to our principle, we can't get a straight answer about why so much. Any way, we signed and that's our help. We paid on this mortgage for 3 years but now we owe the same amount of money we started with but our payments will be lower for a couple of years. Yippee! At least I get to keep my house for a couple more years. Citimorgage puts you through hell, they don't care about helping their customers. They only care about making money and it seems that they will continue to do this to countless other people and no one can stop them.

I have a friend who is going through the same problem with them and seeing all the complaints on several websites, it seems that nothing can be done to stop them. I am grateful that I got to keep my home but what they put me and others through is shameful! Someone needs to do something. Oh and I can't get them to take our mortgage out of bankruptcy status. They say I need a re-affirmation, whatever that is, from our lawyer. But our lawyer says the State of Connecticut doesn't due affirmations. So Citimortgage does apologize but there is nothing they can do. So I have no internet access to my account even though they send me emails telling me go log onto my account for information or to make payments. This company sucks and if there was a way for me to get them to sell me to someone else, I would do it in a heartbeat.

He told us the interest for the second would be a five year ARM (fixed for five years, just like our first mortgage) for 4.75%. He said it would be easy to refinance the second mortgage because he would already have all the information he needed from refinancing our first mortgage. He said it would only take four to five days to complete the second mortgage refinance. We signed our loan documents on our first mortgage on September 22 and it closed several days after that. We were expecting the second to close shortly thereafter, however, Mr.*** then told us it would now take 2-3 weeks. We waited that amount of time and when we didn't hear from him, I called and e-mailed him. He did not respond initially.

When I e-mailed him again threatening to file a complaint, he responded, but the story changed. He told us that the lender that was going to refinance our second was no longer offering second mortgage loans. The only option was a home equity loan at a variable rate, not a fixed rate. We feel that there was never a second mortgage loan product available and that he deliberately misrepresented his product from the beginning just so he could get us to re-finance the first mortgage with him. We believe that it was the classic bait and switch scheme.

On October 13, 2010, I went to my bank, Navigant Credit Union, and stopped payment on check 2113 in the amount of $1,343.00. I also have this document. I then called Citi Mortgage and authorized a one time payment of $1,343.00 using check number 2116. This payment was confirmed by Frederick ** - confirmation number 16555126. I informed this customer service representative that I had stopped payment on the original check and he stated that he would document this in my account information.

On November 13, 2010, forty-four days later, Citi Mortgage made an unauthorized cash withdrawal from my checking account using check number 2113 in the amount of $1,343. Not only did they misrepresent the issue date of the check and claim it was for November 13, 2010, but who's been holding onto this check for forty-four days and what information were they able to steal from the Citi Mortgage data base file while cross-referencing my personal information on the check. Citi Mortgage doesn't have carte blanche when it comes to withdrawing from customer's bank accounts and someone has to address this problem.

Mr. Cooper, then got back to us and stated we didn't qualify because we didn't have $10,000 in the bank and the banks like to see that you have collateral. Mr. Cooper was very eager to get us in the house but we finally said no we don't have that kind of money and that we were in a hurry to move so we were going to keep looking. Well, Mr. Cooper had my bank info from the application we filled out. A couple of days had gone by after we told Mr. Cooper we didn't want the home and he called me and said I put $9000 in your account and stated they would be for closing costs so if we still wanted the house we could get it. My ex and I thought about it and we were in a hurry and didn't realize at the time that Mr. Cooper put that money in my acct to show that I had collateral so I could buy the house so he could get rid of it which is why he was so eager. I wasn't told about a homestead or given any 1st home buyer discounts.

I know now that there was a conflict of interest because he owned the home and was the broker and shouldn't have put that money in my account without my consent. Mr. Cooper sold us the house for $85,500 with no improvements done. I was later told by CitiMortgage that the property is only worth $33,770. I am confused on how they can sell that property to me and the appraisals were done 5 and 6 blocks away from my home where the homes are better and way more expensive than my house and they should have stayed in my area to get the comparable rates for the appraisal.

Our mortgage was $873 a month which was a little steep especially if the property wasn't worth the $85,500. We never should have paid that amount in the first place. Everything was going okay but my ex and I started to have doubts because Thomas Cooper told us the house was on the market for only a few months but talking to the neighbors, it was over a year. Also, we were told it was city water and it was well water so we had to buy a Culligan softener to filter the water. Then the well went bad which Thomas did replace but it made my ex and I believe that the property was vacant for longer than Mr. Cooper had stated.

Everything was okay, so we thought. Then in March 2008, I received a letter from Chicago Title which was dated Jan 08; this letter was notarized and had someone else's name on it by the name of Jimmica ****** showing back taxes were due for 05/06. I didn't own the property until Aug 2007. The letter was notarized but my signature wasn't on it but it looked as if I agreed to pay the back taxes.

I thought Chicago Title was supposed to check to make sure there were no back taxes due or any liens before and if there were I thought for sure that you cannot sell a house like that. If that were the case, I should have been able to buy the home for the back tax amount. I called CitiMortgage and asked what was going on. They said we don't really know anything but there are back taxes and that's why the mortgage went up. I called the county tax assessor and was told there were back taxes due over $2500 but once they were paid, the mortgage would go back to the original price and that the yearly taxes were a little over $1200 which I paid triple that in 2008 when I filed my yearly taxes.

I went down and picked up the receipt for the back taxes and sure enough there were back taxes due for 05/06. Even when I did my own yearly taxes, I was asked why I was paying so much in taxes and should have that looked into. I called Thomas Cooper and he came to my house and gave me $400 to help with the next month's mortgage. I showed him the receipt from the assessor and then I called the tax assessor and gave him the phone and they also told him that once the back taxes were paid, then the mortgage would go down and they gave him the amount of the yearly taxes which is what they had already given me. I asked him then, "How could you sell me this house with back taxes?"He told me to call him every month if I needed to and he would help me until the back taxes were paid.

He then disappeared and I couldn't find him for him to help me straighten this issue out. I paid the $1216 for a couple months but couldn't afford to do so anymore. My friend who sells houses happened to look at my paperwork one day and he was saying your paperwork is really messed up. My signature or initials aren't even on my mortgage documentation. Also there are amounts that were paid and different people that I met with that I never did. I started to believe that I had been duped.

At that time when I picked up the receipt from the tax assessor, I was told to do my homestead at that point which I did. I live in what is considered the hood and once I did the homestead, that should have also helped in the mortgage amount but didn't. I contacted a lawyer and paid him $500 because he looked over my paperwork and said this isn't right. He said the letter I received from Chicago Title shows back taxes due but my mortgage paperwork says no back taxes were due but the tax assessor and the receipt I received showed back taxes. I also had that letter from Chicago Title with someone else's name on my Title Insurance.

The lawyer also stated that there were too many different amounts that were paid that didn't correlate with the other pages. My lawyer tried to contact all the people on the mortgage paperwork that included all these people I had never met with or talked to. The lawyer couldn't find anyone and is still billing me $2500. The lawyer sent a letter to Chicago Title who was supposed to do an investigation but failed to. They stated my lawyer and I didn't submit all the info they needed to complete the investigation but I gave them all the paperwork and info that I had. They then asked who Jimmica ****** was because she was on my Mortgage Title Insurance but I'm like you all tell me who she is because I don't know.

In the meantime I'm calling CitiMortgage and they are telling me that back taxes are due and why the mortgage went up but according to all my paperwork and yearly taxes, based on the receipt from the tax assessor, the back taxes were paid up. I couldn't get any answers from CitiMortgage, Chicago Title, Thomas Cooper or the lawyer. I was stuck.

CitiMortgage never told me that I had the option to do a loan modification so I went to Debtors Protection which is a 3rd party company and paid them $2100 for the loan modification. I dealt with Debbie ******** and Nancy ***** starting in Aug 2009. In September 09 I was told by Nancy ***** in an email that I still have, "Hey Special Lady, I left you a message on Friday and haven't heard back from you. Please tell me your okay? ! Your package has already gone through processing/underwriting and has been submitted to your lender. Cheryl, your negotiator, has scheduled to follow up with them at the end of this week to confirm they have registered the submission through their imaging debt. I'll try and call you again tomorrow -Nancy."

Then on 11/05/2009, I received an email from Debbie ******** "Hi Janet. Nancy is out of office this week and your email was forwarded to me. From file it looks like you spoke with Stacey in mid-October and Stacey spoke to your lender on 10/12/09 and 10/20/09. It appears that Citimortgage requested additional documents which we sent them. They told us to call back in 10 business days. I will check with Stacey and get an update for you. I will get back to you hopefully today, but it may be tomorrow. Thanks, Debbie"

I kept calling and finally spoke to Nancy in Dec 09. She told me that the loan modification went through and I checked CitiMortgage online and they had my paperwork in the system. I was able to go in and update it and everything if I needed to. I was thrilled. I called CitiMortgage and spoke with Denise on 1/06/2010. Denise also told me and my aunt who also used Debtors protection, that the loan modification went through. Denise stated there is an estimate in the system that shows my mortgage should be no more than $525 and as a matter of fact it was already showing I was paying $525 but then stated that was an estimate and they were going to send someone out within 3 weeks to appraise my home to see what the true value for the property was which would determine my new mortgage amount. She called this an open value of the property. I thought everything was fine.

I was waiting to get my new mortgage amount in the mail. I never received it but kept getting letters on my door asking me to contact CitiMortgage to make sure my house didn't go into foreclosure and I'm thinking everything is okay. I did submit my information also to the attorney general to investigate Thomas Cooper; I was advised it would take up to 6 months and I gave all my information.

I'm thinking why are they harassing me, the loan modification already went through. I called CitiMortgage at 6:00 on 7/27/2010 and spoke with Steve ID # *******. I asked him why I was getting all these letters when I already paid a 3rd party to do the loan modification and I was told by Debtors Protection and by Denise with CitiMortgage on 1/06/2010 that the loan modification went through.

Steve was rude to me and was talking to me as if I were dumb. He told me Denise gave me incorrect information and that I never even qualified for a loan modification. I was dumbfounded. I asked him was it okay for CitiMortgage to give misinformation? He looked in the notes and he did state that Denise's notes do show something about open value but he stated the notes didn't say what I was saying. He said I'm not saying you're lying but there is nothing to prove what you are saying. Steve stated the open value of your house is already in the system and there would have been no reason to send anyone out to access the property. I asked him what the process was when someone did qualify for a loan modification. Steve stated to me, they would do an open value and send someone out to access the property to determine the new mortgage amount.

I told Steve I'd do his job for a living and how could I possibly know the process if Denise hadn't told me that's what was going on with me. I also told him that Denise stated that it had already showed I was paying $525 in the system, Steve stated if that's what she told you, then she gave you incorrect information. I asked Steve to have the tape pulled, he placed me on hold for 20 mins and came back and stated, he cannot pull the tape and there is no way to get the tape pulled. I told Steve I work in customer service and we only hold tapes for a certain period of time and then we send to a 3rd party company to have them archived.

He then stated they couldn't do that, how convenient for them. Why would I be so adamant to pull the tape if I were lying? Steve stated the open value of my house was already in the system and he could see from Denise's notes where she could've given the incorrect info. I asked him was it okay for his company to just give false hope and misinformation to me? I also asked Steve about the back taxes. He stated their system never showed there were back taxes due but that's not true because on several occasions I called CitiMortgage and was told they showed back taxes due and why my mortgage went up. I told him I've been fighting this since 2008 and I didn't just pull that information out of my hat. I've been told that by his company and the tax assessor. I told him to stop speaking to me and to get a hold of customer service skills. I told him this entire situation wasn't fair to me nor was the way he was speaking to me. I asked Steve what the next step would be; he stated that there was no sale date in the system and it could take 3-6 months after the sale date for the foreclosure to go through and he stated he could see if I qualified for the loan modification now.

He put in the numbers of my income and my expenses and stated I did qualify for the loan modification now. He stated he would go ahead and send me out a package and to make sure I send the information back in the self addressed FedEx package. He stated the estimate for my mortgage amount would be $544.50 but again it was an estimate. He then looked in the system and stated Debbie ***** with Debtors Protection called them in June 2010 but he didn't know why but that Debbie didn't have authority to speak on my behalf. So Steve and I released the call. I didn't receive the FedEx packet with all the information that I was supposed to send back until September 2, 2010. I gathered all my info, made copies of the originals and sent back in the self addressed FedEx envelope to CitiMortgage on September 6, 2010. On September 25, 2010 I received a duplicate packet of everything that I had already sent to CitiMortgage.

I didn't pay any attention to that. In the meantime I'm still getting letters at my door stating my house may go into foreclosure. Then I got a letter stating my house would be sold on October 20, 2010. In the meantime everyday I'm checking CitiMortgage website, it's showing I requested the loan modification but kept stating my information wasn't received. Once I received the letter on 9/28/2010 from the sheriff stating my property would be sold on October 20, 2010, I called CitiMortgage at 5:25 and spoke with Christine. She placed me on hold and never came back to the phone, and then someone named Phil picked up the phone. I explained to him everything that's in this letter and that I've been so inconvenienced and I've done everything they asked me to do and how long I had been fighting this and that this isn't even my fault.

I didn't understand what was going on and I asked him how is this fair to the homeowner who is fighting trying to keep their home. I told him to look at all the calls I've made to try to keep my home. Phil told me to stay prayerful and that he could tell that I was a praying woman. He told me that my home would not be sold. He stated that even with a loan modification, they still had to follow policy and procedure and had to send through the foreclosure process but guaranteed to me that my house wouldn't be sold. He told me I would get a suspension for sale letter and that this is a government subsidized program and the company is bound and obligated to help a homeowner keep their house as long as they advise CitiMortgage they want to keep it.

He asked me if I wanted to keep my home and I stated of course. I'm a single mother with no money and no help. I cannot afford to move but can afford the $544.50 estimate of my loan modification. Phil proceeded to tell me his sister and mother were single parents and he understood but not to worry because my house wouldn't be sold. He stated it would cost the company more money than it would to sell my property. Phil stated they were so backed up in their loan modifications they had to hire a 3rd party group to come in and assist. He stated they were about a week behind and to call him back that following Saturday which would be October 2, 2010 and gave me his extension of 4239. He stated again to keep my faith. Phil then asked if I had copies of my information and I said yes, he gave me a fax number in case they didn't get to my papers in time. The following day, 9/29/2010, I sent in all my information by fax also. Phil stated as long as I sent my papers back in the envelope CitiMortgage supplied, I would be okay. I got off the phone feeling really good.

On October 22, 2010, I received a letter in the mail from CitiMortgage dated 10/14/2010 stating they cannot approve my loan modification due to the fact I didn't supply all the necessary documentation. I was so hurt. I believed what Phil told me about the backlog, caused them to send me this letter because they couldn't find my paperwork in the backlog. I called CitiMortgage on 10/22/2010 and got someone named Imlan, I again told him the entire situation and that I've been trying to keep my home and this isn't my fault. He was very nonchalant and told me he was sorry but there was nothing he could do. He told me to go online to the CitiMortgage website and go under help and that I could reapply. He stated that in the state of Indiana I have 120 to try to get the property back.

I asked him to research to see what happened to my paperwork that I sent in at this time 3 times. He stated he couldn't go backwards only forwards from this day. I told him about Phil, he said he was his coworker and hated to say wrong things and shouldn't say it but Phil gave me incorrect information and that he never should have told me that my house wouldn't be sold and the only way that the loan modification would have gone through was if they had my papers in writing with my signature. I told him I've been given incorrect information by this entire company; every time I call I get a different answer. He said he didn't know what happened to my papers and wasn't interested in finding them and he said sorry your house is already foreclosed on and you were given incorrect information.

I said I've done everything you all told me to do to a T. It's a no win situation. I never should have wasted time, energy, money, tears or patience if this was essentially going to be the outcome. I asked to speak with a supervisor. I was left on hold. Finally Isnira got on the phone. She stated the person I was talking to never should have even talked to me because of the status of my account which again every time I get different information. She asked me what she could help me with and I asked her didn't the guy just tell you what the issue was because at this point I'm tired of explaining it.

Isnira who told me she was the supervisor stated they need permission to talk to me from litigation and to call back within 24-48 hrs which would be Monday October 25, 2010 and then she stated we could go from there to see what my options were. I asked her why it took so long for me to get the loan modification package. I told her I requested it on 7/27/2010 and didn't get it until 9/02/2010. She didn't know. On the same day, I received the letter from CitiMortgage I got a letter on my door from Ala Carte Realty stating that my property was sold and I must contact Lana ***** within 24 hrs of the letter.

She came back and told me I had to speak to the claims department and gave me the phone number.

I was calling to see if litigation stated it was okay to speak to me in regards to my account but okay, I called the phone number and what would you know, it was the wrong number. I spoke with Jessie who answered that phone number and stated, I don't know why CitiMortgage keeps giving out our number but it's wrong. He referred me to phone #number ***. I called on 10/25/2010 at 1:18. I left a voic email but never heard a response back. I am a nervous wreck because I asked if I could be evicted and was told yes as early as 48 hrs. I have been jumping through hoops, lied to and all responsible parties need to be accountable.

I cannot believe CitiMortgage has people answering the phones who cannot assist and who don't have proper training and give incorrect information. I cannot believe that this house was even sold to me this way. I've suffered, I've tried, I've cried to no avail. No one can help me, no one will help me. Is is okay for them to lie to the consumer so they can try to cover themselves?

I am sending this to the news, to the federal trade commission and Fannie Mae. This is ridiculous and unacceptable. I've been treated like I don't matter. No one cares, no one can help me and I keep getting lied to. Thomas Cooper has been on the news for fraud and everywhere I've called for him that he used to work, I've been told he no longer works for them. I've jumped through hoops, been stressed out and emotionally drained. Why can't anyone help me?

Eventually, I was laid off and collecting unemployment. I applied for a hardship modification. CitiMortgage did not respond, so I contacted them again. They told us they lost our paperwork. We put together another complete hardship modification package. Still, Citi would not help my family. I finally found a job, but it was 1/3 of my normal pay. Eventually, our payment was lowered by $400 and we were placed under review until October. October came, and we had not heard from them so, I contacted them. Somehow, we had fallen through the cracks. Our payments returned to normal. I am still unemployed, and they won't modify my loan, or our interest rate. They must really want this house.

I have been seeking employment since my contract was completed. Unfortunately, I am still unemployed. I have a side job as a caterer. This side job brings in roughly 600-800 a month)

In the interim, aware of both the economic downturn and the substantial number of ex-employees and contractors looking for work in the IT field, which is my expertise, I had to evaluate our financial position. When we purchased our property, I put our home on a 15-year note. I wanted to pay it off rapidly. I prefer to not carry debt.

In February of 2009, I contacted the HAT department requesting a hardship loan modification. I asked for an extension in terms and a reduced interest rate so that I could cover our expenses while I looked for another job. Eventually, I got in contact with the modification department. I worked with the modification department to modify my mortgage in order to make the payments on my home fit within our unexpected new budget. I was told the process would take about 45 days. It took over a year. This required me to resubmit my taxes, worksheets, and other forms several times, ¦some as many as four times over the course of the year.

In September of 2009, I was approved for a modification (Step 1) and began my trial period. The modified payment of $1300.85 was due Oct. 1, 2009. I paid this amount from September 30, 2009 through February 2010. From February 2009 until September 2009, when I was finally approved for the trial period, I used up all my savings and cashed in my stocks in order to keep my mortgage and bills current. I did not miss a single payment. I mention of this because my credit is important to me, my responsibilities are important to me, and my promises are important to me.

February 24, 2010, I received by UPS delivery, my making home affordable package, which congratulated me on completing the process and detailed all my future payments. Citimortgage sent me 2 emails and 2 phone calls advising me that these documents were on their way and that I needed to call Citimortgage as soon as I had them notarized and shipped them back. I did. My new payment of $1640.0, versus the current payment of $1918.00, was to begin on 3/1/2010. I was required to notarize it and return it by February 25, 2010. I did so. I called back to make sure my paperwork was received and was told everything was complete. My interest rate was modified to 2% for years 1-5, 3% for year 6, 4% for year 7, and 5% for years 8 to term for my remaining 11-year note.

Within a few days, I checked their website and saw the following message:

Your modification is complete! Please make all future payments as requested in your making home affordable agreement. I called the phone line and was given the same advise: Your modification is complete! Please continue to make the payments as agreed. Your next payment is due 03/01/2010. I paid $1640.07 on Feb. 29, 2010 for my March payment. I made the $1640.07 payment on April 2, 2010. A few days later, I checked your website and again saw the following notice: Your modification is complete! Please make all future payments as requested in your making home affordable agreement.

In May, I again made this same payment. At the end of May, I received an automated dial phone call informing me that my March payment was past due. I was alarmed. I checked the Citimortgage website and saw that my payment was indeed received. I checked my bank account and verified the funds were indeed withdrawn. Confused, I called Citimortgage customer service to try to figure out the error. I began making regular calls at the rate of one a week, or at times every ten days as the customer service rep directed, trying to discern the true issue. Since I could see the payments on your website and could also verify that they were withdrawn from my bank account, I was more than a little confused. So were your customer service reps that I spoke with about my account.

On or about June 6, 2010, I was told that the modification was booked on the Fannie Mae side, but not the Citimortgage side! I was told this was not your fault and may be linked to Fannie Mae office in Phoenix closing assuming my loan was processed there. I was asked to call back in ten days to check on progress. On or about June 18, 2010, I called in. Your customer service rep, Sonja, said that an email was sent to Kevin and Annette, in booking, asking about my account. There was still no reply, Sonja asked me to call back in 2 days. When I called again in two days, there was no reply, so I asked that the email be sent again. I was assured that my account was being reviewed and notes would be added. Again, I was asked to call back in a few days.

At the end of June 2010, I received a letter from CitiMortgage stating that I was in default in the amount of $7,000 and that I must bring my account current by 7/16 to prevent foreclosure proceedings. Again, I called and was again told this was not my fault, it was being reviewed, and to call back and ask for the customer service rep to read me the updated notes. I was told that Citimortgage had me in an automated system and that I would be held out of that system for ten days while my account was being reviewed. That did stop the daily collection phone call for 7 days.

On July 6, 2010, I received notice from Citimortgage that I was delinquent on my modification loan and had missed 2 consecutive payments which as you can see above, was not true. It went on to say that if I missed a third payment, I would lose my good standing under the loan modification agreement. On the same date, I also received a demand letter from the Citimortgage foreclosure review unit stating that I had received the letter from June 30 and noting the default amount due as $6048.15 to include $239.22 in late charges and $54.00 in delinquency expenses. The letter went on to say that if I failed to cure the default by the date mentioned in the previous letter (7-16- 2010), my account would be sent to a local attorney to begin foreclosure proceedings.

Again, I called. This time I stated that I had a copy of my agreement in front of me, I read the agreement to the rep. I told her that I was looking at the Citimortgage website, which stated that my modification was complete and that I had made all payments as directed. She noted my account and asked me to hold. Our call was disconnected. This happened multiple times. Each time that I was asked to hold, I was disconnected or returned back to the main menu. This was an ongoing issue since I began calling in May. I called in once again and asked to speak to a manager. I waited 20 minutes to get a rep and was passed to a manager's voicemail. I left a message describing my issue, my name and number. I have yet to hear from the manager and assume I will not ever hear back from him.

July 12, 2010, I called to check on status of my account again. This time I was told that a new package had been shipped on 7/7/2010. I ended up needing to call back three times to finally get a rep that did not put me on hold and got the tracking number, since I did not have the package. (See the disconnect issue above). The rep told me it was sent via UPS 2nd day air. I stated my alarm that: 1) I did not know a package was coming, so was unaware that I should be looking for one and 2) that I did not have one and it was a week past when it should have been delivered. I also looked up the tracking number I was given and found that it showed a delivery date of 4/22/2010 and was delivered to front door! I live out in the country and typically get erroneous delivered packages and mail 2-3 times a week. Additionally, if a package is left on the porch (meaning no signature required) and I am not even expecting it, and anything happens in a storm. High winds, anything, how would I ever know I did not get it? Surely, something as important as a loan modification update would warrant a signature, a phone call, or an email message. I assumed that the tracking number was incorrect.

July 13, 2010, I called back looking for the correct tracking number. The rep was unable to locate a new tracking number, so I was pushed to a supervisor. The supervisor, Victoria, told me that the 7/7/2010 package had not been sent since I was no longer in the modification program because I failed to return the April 22 package, I again repeated that I had not received a package in April. I never even knew there was a package sent in April until just this week. She said since I had failed to return the package in the allotted time, my modification was closed and the option to modify my home loan was no longer available. After some lengthy conversation with her, she acknowledged that she understood I was unaware of the new package. She understood that I was reporting that I did not receive the April package.

She understood that I had responded appropriately in February when I received the first package. She also acknowledged that there were no notes to show that anyone had ever informed me of a new package being shipped or why a new package was being shipped. She said there was nothing I could do and nothing she could do because I had failed to return the April package within the time frame given me. Eventually, she agreed to email the counselor who worked on my modification and see if she would reopen the case. She also said that the package in April was sent due to a Citimortgage miscalculation of $3.00 on my escrow account. So I assume my true arrear is $15-$18 dollars. For that I have gone through all this? For $20 I am going to be processed as a foreclosure? I am seeing my credit, which I have worked diligently to uphold my entire life, be taken from me? Really? Does this seem fair or even logical to you?

I note that as of 7/12/2010 Citimortgage removed my modification complete statement from my home page when I log into your website, though it has been there since March 2010. Really, after 5 months? Despite making all my payments per our agreement, I am being reported to the credit bureaus as delinquent and in default, which has caused my credit score to plummet. I ask that you correct this with the credit reporting agencies, as your reports have been inaccurate and defamatory to my credit, my character, and my actions. Additionally, these reports have caused other creditors to increase my interest rates on my outstanding credit balances. I pay my bills and do not deserve to be treated as if I do not take my responsibilities seriously. I do.

At the end of July, I received a note from Citimortgage saying you could not remove the credit smear, since your records show that I am delinquent, but that you would report it as disputed. On July 14, 2010, I called a local lawyer for advice and consult. She advised me to put all this in a letter to you all, send it certified mail, and wait for a demand letter from an attorney. I did not mention the credit smear to her yet.

On July 15, 2010, I called to find out what had transpired since the supervisor emailed the counselor, there was no update. The rep gave me the direct line to my counselor, Patty **. I called and left her a message. I never heard back from her.

Throughout the rest of July and all of August, I continue to speak with your collections department. Going over and over the same information. Muhammed calls me every Tuesday to let me know that I am 3 months, four months, etc. behind. On the 24th of August, Muhammed and I had a conference call with Ernest, a supervisor in modifications. Ernest said he would ask that my account be reviewed and he would call me back by the end of the week. I never heard from Ernest again. On the 31st of August, Muhammed called me and asked what I learned. I asked him if there were any notes as to what Ernest had done. Muhammed said there was an entry from Ernest, but it was not a complete sentence. He then asked me if Ernest had called me. I said, "No, just you have called me only the collection dept calls." I can't get anyone else to call me back. Muhammed started in on his collection script, so I asked that he refer my case to the Citimortgage attorney or put me in front of a judge because I needed someone that would actually look at my case. We bid each other goodbye.

Saturday, 9/4/2010, I got a call from Courtney in collections. She asked me to fax this letter with all the details in to the dispute underwriter for review. I asked why the first agreement was not at least booked when it was received in February. Courtney did not know. She called a supervisor, she did not give me the name, the supervisor said that the original package was received, but due to the miscalculation, it was never booked. Instead, a new package was sent out with the new total. She was unsure how to proceed but agreed this was unfair and certainly not my doing.

So now I am writing the dispute underwriter with the hopes that someone at Citimortgage will look at this account logically and apply a fair determination. I have jumped through all the hoops, I received a letter saying my modification was complete. Your phone recording and website said I was complete. I have made all my payments as required by the only document I have ever received or knew existed. I have been told that my only option is to start the whole process over again! But that leaves me in default, my credit smeared, and starting out again at square one. Not only that, but for the period of time it takes to rework the modification, I am liable for the unmodified amount of $1918 which I can not pay, hence, the whole effort in doing the modification in the first place. Additionally, I have no way to make up the arrears all because Citi decided that they miscalculated by $3 and failed to even inform me to watch for a new packet.

Now, why would I do everything for an entire year, notarize and return the packet in February, see that my modification was complete everywhere I looked, and then assume there was some issue or new packet. I can tell you even if the packet had been delivered to me, I would have called to find out what the heck it was and why I was getting another packet since my modification was already complete.

Meanwhile, I maintain that I did due diligence, I operated under the only terms I have in my possession regarding my modification agreement. There is nothing in my agreement that even alludes to a second package or adjustments being made to the first package. I have repeatedly called trying to discern the issue since late May, when I became aware that something was amiss. Why it took almost three months to figure out there was a second package that was mailed, I have no idea. I do not know what more I can do. I am currently awaiting either a call from Patty stating she will send the new package to me with the additional $3 charge, fix my credit report, and apply the payments correctly to my account or a demand letter from an attorney, at which point I will engage my attorney.

Please give me the time and assistance to actually look at my account, apply rational thought, and then either send me the package (call or email to let me know you are doing so, so I can watch for it) or send this letter to your legal department. Please take me out of collections! No offense to them, but they really can't assist me and I am so tired of saying the same thing to a hundred different people.

I proceeded to call them many times and was informed that were still trying to work with me and that my house would not be foreclosed on yet. In the meantime, I was notified by Milsap and Singer, their attorney, that my house would be sold on August 5th. I was told by Sandra in the REO dept employee #xxxxx that my redemption period was until Feb. 1st. I then received a letter from Milsap and Singer that I had until Nov. 5th on the redemption period. You can understand my confusion.

I then started to work with Hope from the executive response unit. She did some research and did in fact find that they never mailed me the letter informing me as to what was needed. I have a voicemail from her on Sept 21st stating that she would send it all through to their underwriters based on the home affordable rules in effect in March and it might be two weeks before I heard anything. I called back several times after that and was informed that she quit and that it was never forwarded. It took until October 25th before my case was reassigned to Christian in the executive response unit at ext #****. He would not honor what I had been told by Hope. He informed me that he could not do anything unless I had a job. I told him that I am working on that diligently. Also, I am working with Valerie from the home affordable modification escalation team to resend another package.

I will be served an eviction notice by the Johnson County Sheriffs Department this Friday, November the 5th if we cannot stop this. We have had many hardships to deal with since Jan. '09. It started with me losing my job. My daughter had stage 4 ovarian cancer. My son had health issues. My wife's brother died in April 2010. She was his caregiver so she lost her job. I would just like CitiMortgage to follow through on the Feb. redemption date and give me time to get another Home Affordable Modification to them. If there is anything you can do to stop this, it would appreciated. Please do all in your power to stop this.

On 11/3/2010, Annette from the executive response unit also told me that I had until Feb. She stated that they would do everything they could to stop this before 11/5/2010, that is when my redemption period ended according to the county. I tried and tried to get them to convey this to my county clerk.

When I called the title company on the following Monday, they told me the closing was cancelled because the paperwork Citi sent was incomplete and that Mr. ** should have informed us of this. I called all the same people at Citi again and received a call back finally on 10/26 from **. He told me that he filed for the missing paperwork (which is apparently needed for all refinanced mortgages) and placed a rush on it. He also said it normally would take 10 days from the date requested which was 10/19. I asked if that was business days, he said no, making the latest day to receive the paperwork (Mecca) 10/29.

As of this morning, I still haven't heard from anyone regarding my loan or the Mecca. I have requested from anyone who would answer the phone at Citi for over a month to be assigned a new processor, they have not done so. I was however told that it is a policy of Citi for every processor to call each of their clients on a weekly basis to give them updates, even if there are none. When things are "out of your hands" it makes dealing with these large companies extremely difficult. Please help.

I have made my payments at least four days before they were due every month. I have contacted them over 13 times and have six different ID numbers they gave me to check the progress. They have even elevated my account to their rapid response team, who sent me a letter telling me to send them the canceled check that I paid my taxes in 2007, when they paid all my taxes out of escrow. Their customer service is a joke. They transfer you to another department or a supervisor and you get hung up on. They all seem to be able to see the problem when you talk to them on the phone, but they don't fix it. They are threatening to foreclose on my home when I called them at least three times a month trying to fix their error.

Today, they told me they would submit another request to the Escrow Department but they have until November 21st to give me an answer. I can't wait that long. They suggested that I pay what I owe them and they will have to return the money when things are resolved. This has been the worst example of customer service I have ever seen and they have people in their escrow department that should be looking for a new job if they are this incompetent. Fine example of bail out money at work.

Fast forward to April 2010. Still not employed, but with a very good tenant and an unreasonable association, we decided that the association, having increased the condo fee almost two-fold since our original purchase date without reason, would have to wait to receive payments in order for us to keep making the mortgage payments to CitiMortgage. Then we sought out CitiMortgage for a loan modification again in June 2010. We were late in July, as we had some unexpected expenses. Every time I called in for an update on the loan modification, I was told that there was still no decision and that we had to wait. Come August and we received a letter stating that the required paperwork was incomplete. Huh? I called in weekly and not one of those ** mentioned they needed more paperwork.

After talking to 3 different people, I finally found a person willing to listen to my argument. I am actually willing to keep paying the $157,000 I owe on a $90,000 condo, so long as the interest rate was reduced and the payments were such that the tenant's payment would cover all expenses. Mid-August, we resubmitted all required information to CitiMortgage, calling in to confirm receipt. This time, a young lady told me that the reason my loan modification hadn't been looked at was that Fannie Mae guidelines required that my loan be in default - two months late - in order to get any attention. Unbelievable! Who makes up these rules! Anyway, September came and went with no updates. Every time I called, the loan modification department just told me that I had to wait for a response, about 30-45 days from application.

Well, come October and I called in. Surprise, my loan is being transferred to a new servicer. So what happened to the loan modification process? It's a mystery. The loan modification department doesn't know what is going to happen. I may need to start the process all over again. Yet the collections department keeps sending demand letters. Who is the math ** that cannot make a decision based on the information provided in the previous 60 days? Can the brains behind the CitiMortgage loan modification department please stand up and make a decision? When does a bank not accept an investor willing to keep paying the loan balance, so long as the interest rate was reduced? Do you know that some local banks have been proactive and contacted commercial clients to renegotiate the terms of the loans in an effort to avoid a walkaway? Does CitiMortgage not see the big picture? What kind of a ** is running that show?

I have been looking for an attorney to sue them, since talking to them 100 times in the last year has done nothing to correct the situation. They acknowledge their error, but then proceed to do nothing. Anyone out there able to recommend a course of action? I have tried going through OCC, MN Attorney General, BBB, FTC, DOJ-USA, and HUD. Please help me if you can. None of the others seem to help.

I am stuck with late fees in thousands, loss of all credit availability, bad credit reports, still not reconciled mortgage account. I also get credit calls and letters and general harassment.

We did this about 5 or 6 times. We were approved for a loan modification trial period but CitiMortgage had no record of receiving any of our payments and lost all our paperwork several times and mixed our file up with another customers file (admitted twice by there employee). We are now $100,000 behind in payments with penalties and interest.

How could this be happening? When I call CitiMortgage, I just keep getting the run-around and a different story on how I could save my home from foreclosure. They way they treat there customers is criminal. This problem has caused a great deal of stress on me and my wife. I am tired of being treated like just another number. Even if CitiMortgage forecloses on my home, I will not leave!

We received our trial paperwork and began our trial payments. We received the final paperwork and it was all messed up. There was even someone else's name on it. I called to let them know that and they told me to "just sign them". I told them I would not sign them.

I continued to make the trial payments and sent them with a certified letter each month and have the return receipts and copies to prove it. They began foreclosure proceedings. I made a minimum of 16 phone calls speaking to a different person each time, if I could get a person. Sometimes I only got voice mails. Each time I did get a person, they told me they would have a supervisor review our stuff. No responses ever to these promises.

Then I finally received a letter saying I was denied because "Default not imminent", "you are current on your mortgage". Are you kidding me? I think I received that letter the same day I received the one about foreclosure proceedings being filed. This is a mess! We need help!

We need those pay stubs to stop the sale date, and that even after I had already paid the $1150. I ask why CitiMortgage didn't call me sooner to let me know that my house would be up for sale especially since I have been trying to modify my loan for over a year but got no real answer. If they don't want to modify my loan, fine, just say so. But to drag this out over a year and to never provide me with any answers whatsoever is cruel and stressful. I may lose my home of 13 years next week. I have a job, I pay taxes, and I am willing to afford my mortgage and yet I am scheduled to lose my home next week. Background.

I am a hard working, tax paying, and law abiding citizen. I am in my 40s and my husband of 13 years was laid off last year. He then decided to leave my son and me behind with the home we had shared and worked on, and all the bills that came with it. Our divorce will be final within the next few weeks. And since I was unable to support my son and our home, and still pay all our bills with my single household income.

I was forced to file for bankruptcy this year. I tried other things first, like the governments home modification plans, but I don't qualify for those because I have income. And I tried to settle my credit card with Chase, but they turned around and sued me, so I had to get an attorney and file for Chapter 7. I tried over and over again to get a loan modification during this time to keep my home - the home that was worth $450,000 in 2005, and which is now worth only $135,000. And serious repairs are needed. The total mortgage is over $300,000.

After denying all my loan modification requests (each time they never notified me that I had been denied, nor did they explain why, they just put up my home for sale), they told me to wait until I file for bankruptcy and that at that time their special bankruptcy department would be able to assist me. So, as instructed, I re-applied again after my filing and when I called back a week later to get a status, their bankruptcy department told me they cannot do anything for me while I am in bankruptcy.

Why wouldn't they have told me this to begin with? Why did they instruct me to re-apply and fax all necessary documents (which I have to do during business hours when I am supposed to be at work)? Why do they even have a bankruptcy department if they cant do anything for you anyway? As soon as my bankruptcy was discharged, I contacted CitiMortgage again to apply for a modification. This time, I was told I qualify for a traditional one. Again, I submitted my paperwork and called every day to make sure they had arrived safely on someones desk.

At some point about 3 weeks ago, I was finally told that I should be ok and that my paperwork should be in the mail shortly. I was so relieved. A week later, I hadn't heard anything, I called CitiMortgage back again. I was told that because of my pending divorce that I had to fax a county recorded spousal deed. And again, they told me this on a Friday and demanded they needed that info by Monday. I explained that Monday was a holiday here in California and the County offices are closed. She said Tuesday would be fine. I called my ex husband who was nice enough to sign the deed paper, notarized it, and faxed it back. He sent the original via express mail.

Tuesday morning, I took time off work again and filed the deed with the County Recorder. It was the only thing they needed to finalize my modification, so I was told. Tuesday morning, as soon as I got the document recording number, I faxed everything to CitiMortgage. When I called back, they told me, as they usually do, that it takes 48 hours to find out if they received the fax and to call back later. The problem with CitiMortgage is that you can never talk to your account counselor directly, or a person in charge, or someone who knows anything about your case until they look up some basics on their computer.

You always have to go through customer service, push the right buttons, enter your account number, then answer all the security questions, then listen to some government required speech they give you and then you have to explain, again, why you are calling and that you already talked to whoever and I just want to verify that they have gotten the documents. CitiMortgage never calls me, they will never mail me anything, and they never gave me a direct line to communicate with the right person. I feel misled, confused, and mistreated by CitiMortage. I feel their business conduct is cruel, harmful (I was submitted to the ER several times because of heart palpitations caused by stress), and I like to file a formal complaint about this lender. This is my house, my sanctuary, and the place I call home when Christmas and Thanksgiving is celebrated. I want to sue them and hold them accountable for the despair they cause me in my humble life.

Upon confirmation of the new loan amount, the CitiMortgage representative said that there was a 3 month window where the new payments would be taken from my checking account automatically, which I agreed. But sometime during the 3 months, I would get a package of paperwork that needed to be signed, which would confirm the new agreement after which I would be sending payment through the mail. The payments were taken out of my checking account for many 8 months and I never received any paperwork.

My son would call them at least twice a month and they said the paperwork was in process and would be mailed shortly. Not only did I not ever receive the paperwork, but I never received a statement showing how much Principal & Interest I was paying. From the 4th month until the 10th month of the Modification, we must have made at least 20 calls to CitiMortgage and spent probably 20 hours on hold with these idiots.

On or about the 11th month so (around April of this year), I started to get late notices. When my son called they told him that everything is all set to just disregard the notices because they had a bunch of notices that went out in error. For the next 3 months, we got at least 8 more notices and we called on about 2 of them, then I just started throw them in the trash. That was until I received a threatening letter in June saying that my home was being put on the Foreclosure block in 30 days if I didn't send them $25,000.

At this point, I had enough and decided that I wasn't going to call them any longer and I wasn't going to fight. The torture and harassment that I have endured by these people over the past year and a half after my husband passed was way more that I can take. I decided to leave my home that my late husband and I worked so hard to maintain over the last 8 years, but I had no choice. I decided to stop paying them in June, which now started a whole new process by CitiMortgage.

My realtor took the home and quickly offers from a couple and it is now under agreement as a Short Sale. I have since moved on into a Condo and I just find out this week that even so CitiMortgage is in negotiations with the buyer. They posted my name and my late husband's name in the local newspaper as a property up for Foreclosure. This company ought to have it's doors closed forever and everyone involved in these tactics should be punished.

Now 5 years later, things are getting better for us. We called CitiMortgage to see if we could do a program to pay a large down payment towards the past due, and finance in the rest of the past due to get us back on track. While working with them (which took several months because their litigation department was so behind), they decided to put our mortgage in foreclosure.

Now we have a large fee due to the lawyers, in addition to the past due amounts. CitiMortgage claims it takes 4-8 weeks to run your application through the litigation department. They claim that my income verification reached them on October 4, even though I faxed it in September. I have a sell date of November 1 on my home. I can't talk to anyone other than customer service reps who send messages to the person handling my application.

I have asked them to call the lawyer and postpone the date of the sale of the house to allow them the time they need to process the application. I still have not received a response from anyone, other than the lawyer who said the sell is going as planned. If CitiMortage can't help those with past due amounts in 30 days, why plan for a foreclosure sale in 30 days. It is making it impossible for people to receive assistance once the foreclosure has started. If there was a better program in place, maybe foreclosures would not be so high across America.

We had a past due of $4k which was mostly combined last fees and now with lawyer fees it is close to $6k, which is harder to come up with. We are trying to come up with the money because we know that CitiMortgage is not going to pull through for us. We are not one of those who bought when the market was high and now owe more on than what it is worth. We bought 15 years ago and are on the down side of this loan. Is there any help out there for us, and people in our situation?

They called back two weeks before the auction date saying that I did all the paperwork wrong (which I didn’t) and they threw it away! Then I got a call that same day, saying it was the IRS's fault the paperwork was not working. They said they had a 3rd party working on that paperwork and they decided to quit. Now they have to reprocess everyone's paperwork. I have been to a bankruptcy lawyer to see what my options are, but the house is my only debt.

I don’t want to lose my house, but it looks like they have stalled just long enough that they get to keep it, not me. I am so tired of being lied to, pushed around, and harassed by the phone calls. I, too, have been transferred to the phone sex lines. I experienced dropped calls, phantom calls where no one is there, and hourly calls looking for money. I have seen the creepy photographers camped outside my house. Have had noticed thumb tacked to my siding. I will be glad when this process is over. I am done.

July 2010, I made my payment with, "You are in final stages of review." July 26, 2010, I receive a much anticipated letter from CitiMortgage, but this letter pushes me to the brink of suicide. It claimed I was behind 2 months mortgage and could possibly be moved into pre-foreclosure. I called the number on the phone, but get nothing; just a full mailbox. The next day I get through, I get sent to my "counselor." I was told on July 19, I was denied the federal loan modification and on July 21 my account was sent to collections. During the conversation, the girl advised my account was moved to the company’s loan modification and I should hear something within the next 30 days.

I still, to this day in October, have never received notice why I was turned down, per the contract I signed. My mortgage payment was raised $800 pre-loan modification. They added escrow without my permission. The following week, the next person I get a call from was collections. "Sell your house then, sir, we want our $11,000. Don't you want to stay in your house? Then we need that money." You are no longer in a loan modification. So I called back my "counselor". Her voicemail stated she was in training for 30 days and would not be checking her voicemail. Her supervisor had the same message. Now began the weekly calls for months in regards to people that I never spoken to twice. I finally had someone tell me I was in the process for a company loan modification, but it would now take 60 days; the end of September 2010 (9 months if you're keeping track). I finally had to contact a loan modification company to help me. That is $3300 out of my pocket. I paid my September mortgage on time, but technically I'm still two months behind.

October 1st, CitiMortgage collections calls like clock work, we're becoming friends now. But as for customer service, that's a different story. CitiMortgage left a message for me to call, "Mr. **, please call me (no name left) back at 866… Thank you." I called and had no idea who called me or why. A few days later, the service I paid for calls me and says a woman named Shirley (CitiMortgage will never let me talk to her) says she needs my 2009 taxes, which they have! So after 2 hours of trying to reach Shirley and getting denied, I'm finally told they want every piece of tax return I can send. I faxed 82 pages of Turbo Tax. It took 3 days to verify someone received it. I was eventually told it was received, but now Cory was my counselor. They even gave me his direct number. Well, Cory doesn't have a voicemail. The number given just rings and rings. It occasionally had a busy signal, but still nothing. This time I get a new manager at customer service who even gives me her employee ID number. She tells me that I have a different counselor. She says she is sympathetic to my problem and doesn't understand what the hold up is. Several e-mails were sent to Cory and my new counselor doesn't understand why no one has called me back. This manager promised she would call me back within a few hours to see if she got anywhere.

Three days later I'm still waiting, but my friend, the collections agent, called and promised to help me if I could at least pay my late fee of $1700, even though technically I have never been late and this isn't my fault, and though CitiMortgage doesn't see it that way. I don't know where else to turn or where to go. Why do these companies assume I just have $11,000 just lying around when they lied and put me in this position in the first place? I have never felt so lost and such a loser. I have thought several times of pulling the trigger and ending it all. Maybe my wife could use the life insurance money to pay for the house, but then I stopped myself.

Not because of the fear of death, the fear that my term life insurance is with Primerica, a company by Citi, which owns CitiMortage, which means my wife and kids wouldn't get a dime. Oh, and I'm now heading into month 11 with no end to this torture in site. I'm a police officer that has experienced and seen the worse that life can throw at you, but I always put the people I deal with in the public first. CitiMortgage just treats me like a dog.\

Life has gotten better for us and we have been making good on our loan payments. Then all of a sudden, on Wednesday, 9/22/10, we got a hand delivered letter from "The Commonwealth of MA Land Court" stating that Citi is foreclosing our home on 10/18/10. Our home! OMG! A letter from "Harmon Law Offices" was attached also. I freaked out, called the attorney's office, spoke to Josh and he said "Not to worry, I don't see you on our list, I don't know why Citi does this to people, you can disregard the notice or you can contact Citi to see what they have to say.” So I did! I called 800-695-0384 or 866-272-4749 (I forgot which one) and spoke to Leesha.

She told us we were denied back in April. I asked her why and why weren't we notified. She looked at our notes and said "I see that you weren't. I don't know why you weren't.” I then asked to speak to her supervisor. Her supervisor, Stephanie, got on and pretty much told us, “Oh, well, you have to stop making payments and that they were going to return all our payments that we have made since April and that we would have to "re-apply again." I told her we didn't need to, we don't want to. She asked if we did or if we filed bankruptcy that they can see what they can do. I said, “No way!” I asked her why this is happening, and she told me that she didn't know, but we had to do what she said. OMG!

I contacted Senator Kerry's Office, I hand delivered all my proof and a copy of all my documents to him and they said they were going to help us. I did get a couple of emails from Matthew stating that they have made some calls and they are working on it. I couldn't wait any longer. I then contacted our State Rep Jay Barrows who then connected us to Congressman Barney Frank's office who has now said they have made contact with Citi and have opened a case.

Today, we haven't heard anything, I've been emailing like crazy trying to get answers because my husband got a call from CitiMortgage's representative Annette at 877-245-2511 extension 1803207 who stated they were going forth with the foreclosure! OMG! My husband told her to talk to me since I've been dealing with this nightmare. He also told her what we've done, what we've paid, and who've we've talked with, and she had no record of any of it on our file! I called Annette and LMT, called again, she answered. I told her who I was and our loan number and she hung up! I called back LMT, I called back again and she said she couldn't talk because she was "busy on another case and that she would call me right back on the cell phone number that I gave her so she wouldn't miss me! I'm still waiting!

Whoever is reading this, I am real, we are real, our 14-year-old son and 11-year-old daughter are real, our 2 poodles are real, and our bearded dragons are real! We don't want to lose our home, please help us! Please! We don't have much time. We've already wasted too much time waiting for help that I'm not sure is even there from what CitiMortgage is saying! What should we do? I've been home, out of work sick, physically sick over this! I have a heart condition and I'm not sure how much more I can take, how much more my family can take either. Please help or at least guide me. I'll do or go anywhere to fight this, please! Thank you!

According to CitiMortgage in August 2009, my account was in arrears for $4000. Yet in August 2010, I had over $6000 in unapplied funds. Once these funds were distributed, they claimed I was still 1 month behind in my mortgage. How is this possible? I have been making additional monthly payments for well over a year, they misapplied my money, and now claim that I owe exorbitant fees. They have been taking the extra monthly money that I have been sending, and creating fees, i.e. unsecured clearing charge, reinstatement to expense charge, and even returned payment charge, even though I have been making regular timely payments to include additional payments that were to go towards my principal once my account was current.

I am exhausted with dealing with these buffoons. The last two representatives that I spoke to assured me that my account had been corrected. I actually sent more money this month because I was told it would bring my account current and any extra would go towards principal. The extra that I was sending plus the money that I had sent over the past two months would equal 1 monthly payment. I have since received info via mail, and online that all funds have been sent towards their extremely unusual fees.

I would like an audit of my account. I am certain that if CitiMortgage had not taken monies and placed them in unapplied funds, that my account would not be so corrupted.

Tonight, I was told by the account manager (didn't get her name) that the only ones that can stop the sheriff's sale tomorrow is the Foreclosure Dept, which they have send emails to about it but they did not have a phone number for to call them direct. I don't know about anyone else but it does not make. Any bit of sense for a big company like Citimortgage to not have phone numbers of their people, no matter what office that they work in. You rely strictly on computers? What will you do if your system crashes or like in Aug 2003 with the 1/3 of the country blackout. Did anybody do anything during that time? Beings that you don't call anybody? You only communicate via computer?

I guarantee that anyone that works within General Motors, Ford or any other company can call and contact anybody else within their company and speak to them or at least leave a voicemail message for them to contact them back. I think that Citimortgage is one of the worst companies that I have ever dealt with in my entire life. I'm very sorry that we ever signed a mortgage contract with Citimortgage. Don't be surprised if you at Citimortgage starts to hear about this on the local, state and national news because I'm going to contact them and give them all the information.

So far as of tonight, I've been busting my butt for the last two months to get this Loan Mod setup and filed for. They take 30 days to send me the paperwork and now with the sheriff's sale tomorrow (10/12/2010) I'm hoping like hell that I don't lose it out from under us. I have to wait until tomorrow morning to call Citimortgage's Attorney's office (Trott & Trott) to try and at least find out what time the sheriff's sale is.

It is now a year and a half later. Citi still has not provided an accounting as requested by the court as well as my attorney. Immediately after paying off this bankruptcy, we had a house fire. Though there were signs clearly stating who was taking care of rebuilding the house, Citi claimed the house was abandoned and paid a contractor to break all my locks, put in their own and rummage through the remainder of our belongings. We've found most of our important documents, but still haven't had time to properly file everything. Imagine the nightmare we had filing taxes.

They even caused $1200 damage to my wife's car, which is still in the garage. Yes, I have photos to document everything! Though I qualified to have PMI removed at the time of filing, Citi still refuses to remove PMI from my monthly statement because they say that they still show my account as being in bankruptcy! PMI is not cheap. 18 months of paying that which is not owed comes to a lot of money. Still, no one will talk to me. I've even emailed Citi's CEO.

My contractor was held up rebuilding my home by over a week. My son, recovering from PTSD, was not able to recover much of his memorabilia from serving in Iraq. I had to replace our locks, repair a window and two screen doors out of my own pocket. My wife's car still has $1200 damage. I am still listed as being in bankruptcy and I've paid nearly $1500 in PMI that I did not owe. Much more, though, is the psychological damage of having to go through all of this. These people have shown absolutely no concern or simple cooperation in dealing with it all. How do you put a price on such things?

On September 9th, without notifying me, Safeguard Properties, on order from Citimortgage, broke into my locked house, broke the front door lock and placed their own padlock on the doorknob, mowed the lawn even though it was mowed 2 days prior, and tracked grass through the house. I contacted Citimortgage and paid all that was due by phone, and complained about the actions of their security/maintenance contractor. I now have to pay the bill for the unnecessary services performed by Safeguard Properties, and they still have not removed the lock.

I have a buyer ready to buy this home from me, and I am unable to sell it because with their lock on the front door, I cannot turn over complete control of the property to the new owners. Calling Citimortgage is getting me nowhere. I can't even live in the home because you can't use the front door from the inside either, which makes it uninhabitable under the fire code. I'm stuck paying for a home that I can't sell or live in, and all because I can't get Citimortgage and Safeguard Properties to do their jobs.

We then made three modified payments, but didn't receive final approval. They switched underwriters 5 times, lost our paper work once. The second underwriter said we were making $120k per year (grossly inaccurate and no idea where that number came and they did not know either).

For 9 months we tried calling and writing CitiMortgage to inquire about the status of a permanent modification. Our permanent modification is dragged out for 9 -11 months. Finally we receive a notice that we do not qualify for a permanent modification. We are in default on our loan and that since having paid $1700 per month as we were told to do by 2 different Citi reps and were told not to make full $2200 per month payment because we would not be considered if we continued to make full payment or in Citi reps words our hardship and need for a reduced APR, it would be more difficult for them to approve.

Now, a year later we owe thousands of dollars with all past due plus Harmon legal fees for foreclosure. In total, we owe $16k to settle if we want to stay in our home and avoid foreclosure. Meanwhile, our credit has been completely ruined because CitiMortgage has been making negative reports to all 3 credit bureaus and at this point we would never qualify for a competitive refinance to pay off the claimed amounts due.

After I ran out of money, I stop making my house payment. Then they said, "okay we can help." So we set up a price I could pay. All was fine then in 2 months. I started to get calls every day about money. I said I don't have that kind off money that is why for the last year I have been begging for some help. So I talk to my lawyer and he said to stop making my house payment. They called and wanted to no why I did. I told them about being harassed every single day. Then they said okay if you start making your house payment, we will stop.

So for the last year, I have been making my house payment and every 3 months they say we did not have enough time to process my loan and I need to start over again. This is like 4 times now. When do I get closer on this? Evey time I say how much longer then they say soon but nothing happens. Now today, they called again and said I did not send everything in, which I did. "Well we don't know what happen. You need to start over." I said is there someone that I can complain to about this. He said, "not really but you can write to this number by mail only." I ask is there a email address I can write. They said no. So I think that was a lie. I watch the news ,and I think they are just playing games.

On December 31, 2009, I spoke with a Citimortgage Loss Mitigation Specialist and she told me that I qualified for the loan modification under HAMP. I was told to fax over a number of documents which totaled about 62 pages and over $100 at FedexKinko's to fax each page. A couple of days later, I was told to resend the same information. So, I did again.

Two weeks past by and I called to check the status of the review and I was told that they were unable to find my documents in their system and therefore, asked me to resend the documents now a third time. So, I complied yet again. Two weeks later, I was told they needed me to resend the documents again because they couldn't find them. Throughout this entire process, I have been switched around from one person to another and never speaking to the same person more than twice. In late February, they told me that they had my documents but I now needed to submit updated documents through the current date; and so once again I faxed them the documents (updated). Then, they said that my file is under review but when I called back to check again in March, I was told to fax in another set of documents all updated. I once again obliged.

Then, I was told once again that my file was under final approval and it generally takes 45 days. Well, 45 days came and went and still no final resolution. I was told that my file had not been assigned to an underwriter yet. The underwriter needed to review all of my documents and the HAMP model before a final approval could be made. Now, it's June 2010 and I am still told that an underwriter had not been assigned to my file for review and that the wait would be a little while longer.

I called back in July 2010 and was still given the runaround that an underwriter had not been assigned to my file. By this point, I was beyond frustrated and I seriously couldn't make the mortgage payments so I just stopped paying. I was unable to keep up the payments that is why I was behind in the first place and seeking a modification in the second place. I was advised by an attorney to file bankruptcy given my changed circumstances, meaning my financial inability to pay all obligations. It is evident that Citimortgage had no intention of modifying my loan.

I believe they were playing a "waiting game" hoping that consumer will have the means to afford repayment. Unfortunately, it didn't work that way in my case. I eventually found a permanent job but it only pays what I was making on my temporary job, which is still a fraction of what I made in my previous six-figure job. I feel like I have been forced into bankruptcy as I cannot afford to have my wages garnished. Citimortgage is now trying to sue me for the balance of the mortgage.