Citi Mortgage Reviews

We called CitiMortgage yesterday (we have spent hundreds of hours on the phone with them) only to learn that they have closed our case. This Friday (2/13), I have learned that we will lose all of our initial deposits with Wells Fargo. You cannot get a hold of anyone at Citibank save a call center in the middle of India with nice enough customer agents who cannot help with our frustration or figuring out this mess. Calls and messages to the subordination department go unanswered. When we call, we are on hold for hours, only to be disconnected and to learn that due to unforeseen circumstances, we cannot take your call at this time. The message system then proceeds to hang up on you. I urge you to try calling their subordination department and getting a live person - you cannot. Their number is 866-795-4978. It has been this way for weeks.

I cannot afford to lose the money I have already paid out simply because CitiMortgage does not seem to know what they are doing. Also, I stand to lose a lot more than just my deposit, application fee and appraisal cost. If I must refinance once again, I may have to lock into a higher interest rate. Also, there is no guarantee that Citibank will ever subordinate our initial mortgage. They should not be allowed to do this.

The last communication was the fourth three-way telephone conversation with CitiFinancial, Wells Fargo and I. CitiFinancial claimed they received check ** but did not know how to apply it, so they issued a check back to Wells Fargo. Wells Fargo said they need to have a copy of the cleared check in order to determine what happened to it. I've requested this check via letter since then and have yet to receive a copy of the cleared check CitiFinancial issued to Wells Fargo! Instead, I get a prefabricated letter stating the payment has been applied.

A copy of my loan history shows from 5/505/08 through 5/07/08 there were payments applied and payments reversed! Why? Is the accounting correct? I've requested a thorough reconciliation of those transactions but to no avail. From numerous conversations with the Customer Service Dept., I believe my May payment (check ** dated 5/01/2008) was applied to the open April amount due. Each payment since then has been applied as such. My records indicate the April payment is still missing.

They lied. Jonathan ** and his super, Ivy ** are the persons responsible. They told us that they never received the workout package, and they have repeatedly failed to return phone calls. Additionally, both Jonathan and Ivy were both highly condescending and inflexible in their approach towards our request for a loan modification on our second mortgage. (Background: Our Chapter 7 bankruptcy was discharged in 7/08 and we did not reaffirm our loan with CitiMortgage. We only reaffirmed our first with Chase. We represented ourselves.) I have also left a VM with a manager described as being in the Inactive Bankruptcy Loss Mitigation department, Michael ** and have yet to hear from him. What a surprise.

CitiMortgage is playing a shell game. They confuse customers by routing their calls through various departments that may or may not know what is going on. Every department (CS, BK, and Loss Mitigation) reacts differently to the same questions, with little consistency between them. Some staff can see the details on our account, and others claim that they have no information and must transfer me to yet another department. You make a request (such as asking for a copy of my note/deed of trust) and they request falls into the ether. This confusion leads to inordinate delays in the workout process, buying CitiMortgage more time to move forward with foreclosure. We are currently 5 months in arrears and received a default notice in January.

I have since found out that our loan has gone through the pre-foreclosure process (per ** of Loss Mitigation in Phoenix, **), and that the pre-foreclosure was closed on 1/24/2009. At that point, she said that the loan was going into "charged off recovery" and that no foreclosure would occur because the pre-foreclosure process determined that there is no equity (duh) and that foreclosure would not occur as a result. So I went about trying to confirm this information with the Bankruptcy Department since Loss Mitigation is unwilling to communicate with me.

I have yet to find anyone who will validate this information. For instance, the BK department can see that the pre-foreclosure process closed on 1/24/09, but they cannot see any information regarding the supposed pending charge off. I know what a charge off is, but I cannot get anyone at CitiMortgage (besides ** in Loss Mitigation in Phoenix, who I cannot get hold of again) to talk to me in detail regarding a possible charge off. Now, when I call Loss Mitigation, the phone system rolls me over to a CitiMortgage Loss Mitigation office in Missouri.

Where do we go from here? I will do anything in my power to assist in litigation against CitiMortgage. I have already brought one class action lawsuit against another bank for failure to pay back wages to IT employees who were converted to hourly after being employed as salaried employees. That suit was settled for $3,000,000, and I personally recovered over $14,000 in back pay. Again, I will do whatever I can to assist in a class action lawsuit against CitiMortgage. I cannot work because I am disabled, so I have plenty of time to devote to this process. Is there an attorney out there that is up to the challenge?

The foreclosure process could begin at any time, and I understand that the holder of the first (Chase) will simply capitulate and allow the foreclosure to occur. This seems really short-sighted and unnecessary. We are having some issues with our first (e.g., we need to split our payments over the month), but we are not in default. I could go into the emotional distress issues, but I doubt this would be a cause of action. But I can definitely document the medical problems that have been exacerbated by the behavior of CitiMortgage staff.

I copied all evidences of checks and etc. all over and mailed to Ohio. I went to MD for my friends moving out there; I helped them. At the same time, I stopped by CitiMortgage in Gaithersburg, MD and found out it said out of business and moved to Rockville, MD. No wonder they lost my packages (evidence copies). Then I went to see real supervisor/manager of CitiMortgage and not accepted my checks to pay off, even refused refinance for a low rate. How dare they? Then they wanted foreclosure. I told them I have ready checks to catch up balance dues even with my copies proved that I paid three checks in the past to CitiMortgage, but they don't care and still owed over increased to $6,900.00. They really are very greedy to take innocent victims' sweet homes and ignore family who needs a place to live. They even sent to a lawyer in WI for a foreclosure doing against me and my family.

I told them I have a check to pay off. They refused, not accepted and forced me to pay the full amount of $38,000. Impossibly how can I earn $38,000 per monthly? How rude they are. President Bush grants lots of billions dollars to any mortgages companies. One of CitiMortgage’s also got a grant some millions or billions of dollars from them, and then what do they do with that to keep themselves or what instead not helping homeowners refinance or payment plans. While I was laid off winter seasonal part time, I work tempo summertime. I am on disability SSD earning. I tried to find refinance and lawyer protection. I’m frustrated, worried a lot, stressed and most insomnia. I had to think how to find a way to help "save" my house for my family. Hopefully someone reads this; help me to get best service, advice and email me please. Thank you very much for reading this story.

I called CitiMortgage Loan Assumption dept. and spoke to Sheila **. I explained that we were no longer eligible according to them and that we were waiting for our money back. Sheila told me to have the paperwork in by the deadline (Nov. 28 2008) six days later or we were out and the money was non-refundable. I have since left messages for her and her supervisor, Joe **, trying to solve this matter. They refuse to call me back to try and resolve this matter.

The paperwork was signed by ** and myself. Three days after the paperwork was completed, I get a call. Citi wants a do-over? As apparently, either Ms. ** or Ms. ** can’t do simple math. The payment was wrong. Though I have a confirmed copy of the agreement, they want to void it and charge me $164.00 a month more! Furthermore, there is no guarantee they will not require another do-over, at their whim. After all if one contract is not to their liking, why would the next one be? I am seeing a lawyer about this today. To me this is breach of contract. Watch out whom you deal with at Citi. Most have no idea what they are doing. Tell me. Why are we (taxpayers) bailing this company out of trouble? Consequences: stress, additional payment each month of $164.

Next month another escrow payment due. They said that we had not increased the flood insurance and that they escrowed it with their escrow company at $150 a month! We have been going around and around. I just received another letter stating that we do not have enough flood insurance. It is a scam! I would love to find a lawyer who can deal with this. My husband and I are tired of being on the phone with these people; we have done everything right. I know that I am not alone!

I asked why there was still a lien showing and no explanation was given. I asked this question at least 4 times! He asked me if I wanted a release sent to me and I told him I already had one. The instructions that CitiMortgage gives for recording the lien release are completely incorrect and would still not release the lien. This is according to my title company.

Upon her putting me on hold for about 20 minutes, she indicated that she had done some research and was able to locate the form. I asked her to please process this document as it should have already been in process. I told her I wanted to agree on the same term of discount, as well as making sure CitiMortgage reports this to my 3 credit bureaus. Plus if the discount that they indicated applied, this would have lessened my mortgage payments. To date, I called CitiMortgage again (January 20) to follow up. They indicated that the document is now null and void due to the submission date. This document was submitted on time by my attorney. Please contact me regarding my rights in this matter.

Like everyone else said, we started receiving almost 5 to 10 calls a day advising that they do not accept partial payments, and that we needed to get the rest of that payment to them immediately. I explained when you are out of work sick, it is hard to do that. They advised my husband had a job. Well husband's check pays lights, water, phone, gas, and groceries, and school kids’ lunches. They did not care about any of this. Well on November 1, 2008, my mom died unexpectedly. That was another blow to my family. Well I was out of work from November 1 to 13. I did not draw a check. I contacted CitiMortgage and asked for the homeowner's assistance program. I made several calls before I finally got Rosie on the 21st of November. They had no record of the previous calls all during the month.

I called back again in December and got Rosie, and she mailed me the packet to provide all the documents to show the 28 weeks out of work and all the other stuff. But in the meantime, I am told that taking care of my mom and aunt was not a good reason to fall behind on my mortgage. It was not planned, just like my mom's death was not planned. I am trying really hard now to save my house due to the lies and the mess they have caused with my mortgage. I admit that my status did change a little bit. But if I can ever get away from this company, I seriously am going to. I stand a chance of losing my family home if I do not get someone to help me with this.

The more I thought about it and the more I spoke with Faye (CitiMortgage's rep) the better it sounded. I was out of work so I thought this would help us get through this rough patch. So I was granted this moratorium starting in September-February 2009. In the beginning of November, I was contacted by another CitiMortgage rep, Jennifer, and she questioned why I was only paying half of my mortgage for September and October. I told her about the program that I was offered and gave her the information, confirmation number, and who made these arrangements with me. She went back into the notes and told me I was correct, but to hold for a supervisor.

This supervisor came on the phone with guns-a-blazing and told me that CitiMortgage never accepts half payments, that these funds were put into unapplied funds and that she didn't care what the arrangements were and they weren't going to acknowledge it. I was current with my mortgage before this. Now my credit is ruined. I have been transferred from supervisor to supervisor, told that someone will call me back and no one ever does. This has been going on for 2 months. I am drained and exhausted and they want to now put me on a payment plan that is astronomical. I am thinking about seeking legal counsel. I'm beginning to become ill from this mess.

The problems with CitiMortgage emerged immediately. In the first instance, CitiMortgage never sent me a notice that they had purchased the loan, so I kept sending my payments to the previous mortgage company, which delayed forwarding them for several months. I discovered CitiMortgage had purchased my mortgage only when I got a letter from them alleging that I was in default on my loan. I immediately contacted CitiMortgage and explained the exact nature of the dispute with Irwin Mortgage, etc. No reply, which was to become the standard course of conduct from CitiMortgage.

I specifically asked CitiMortgage to suspend charging me any late fees until such time as the dispute between myself and the other mortgage company was resolved. Again, no reply, except for letters accusing me of not paying on my account, alleging I was in default, etc. At some point, Irwin Mortgage and I settled our dispute and I was issued a check as a refund of ALL late fees I had been charged prior to the sale of my Mortgage to CitiMortgage. Irwin Mortgage did not exactly admit it was wrong, but did state that it should have handled the situation with my medical problem differently. I immediately notified CitiMortgage of the settlement and sent them a copy of the refund check, which I offered to sign over to them if they would reverse all the late fees they had charged me.

It is important for me to point out that for the entire time that CitiMortgage has had my account, I have made a payment every month, on time, for an amount equal to or in excess of the regular monthly payment. CitiMortgage, however, considers my account delinquent (because of the disputed amount it inherited from Irwin Mortgage - since settled), and continues to charge me a late fee every month. In the past two years, I have sent over $32,000 in payments to CitiMortgage, and they refuse to even negotiate over the $1500 in late fees they have charged. Other problems include that the amount of the late fee changes every month, from $40 to as much as $200. Also, my last three payments of $1,100 each were never applied to my account, even though the checks have been cashed by CitiMortgage.

In the past two years, I have written more than 130 pages of letters to CitiMortgage, and almost all of them have been ignored. The worst perpetrator at CitiMortgage is a person named ABBIE **. She is generally the only person who responds to my letters. She is located in the Executive Response Unit, not customer service, and she apparently has no authority to make any changes to an account. However, every letter I send, no matter who or what department it is addressed to, ends up on her desk.

CitiMortgage simply refuses to deal with legitimate concerns (as anyone who reads the other posts will see). There is no level of competency and absolutely no level of compassion and no concern about doing the right thing. I am convinced that someone at CitiMortgage has the brains and compassion and authority to look at my situation (as well as others) and say, "Let's do the right thing and make an adjustment." That person, however, must be locked away somewhere and not allowed to have any contact with customers.

I have filed complaints with the BBB, the Office of Thrift Supervision (which states it does not supervise CitiMortgage), the Office of the Comptroller of Currency (which does not respond to complaint letters), to my state and federal Attorneys General (which cannot get involved), and to Senators Amy Klobuchar and Norm Coleman (who did not respond to my letters) and Representative Keith Ellison (who was nice enough to respond but admitted that no government agency has any supervisory powers or control over CitiMortgage).

Currently, my only hope is with a Minnesota Legal Aid lawyer who will meet with me in January. I am preparing a notebook with everything I have accumulated with regard to letters to and from CitiMortgage. If that fails, I will have no choice but to file a lawsuit on my own. I have no money for an attorney, but dammit I know I am right, and I am outraged by CitiMortgage's conduct and they need to be brought down. It is wrong for Citibank to take millions of dollars of my tax money, and then make no effort to help the individuals who are struggling. It is even more aggravating in my case because I AM making my payments; I just refuse to pay a late fee under these circumstances.

I would like to see all CitiMortgage customers rise up - not just the ones in trouble, but even the one current on their mortgage payments - and fight against CitiMortgage's disinterest and rudeness and immorality. Any lawyer or reporter or anyone else interested in this please feel free to contact me.

We cannot make our payment this month and I called to see what could be done. The man I spoke to was very polite and said there were a number of programs that were available to us for help. THE NEXT WOMAN I TALKED TO WAS RUDE AND SAID IF WE MISSED A PAYMENT, WE WOULD BE KICKED OFF THE REPAYMENT PLAN. This seemed to be a reoccurring theme with CitiMortgage that no one knows what is going on. I was charged $319 on my account for bad check in that amount. When I told them I never wrote them a check for that amount, she stated, "Oh, that wasn't your account yet." I received a notice with my account number that I was charged that very same amount for a returned check. I repeatedly have to remind them that I am on an agreement with them how much I owe and when it is due.

This company scares the hell out of me. I think my husband and I are getting scammed. This is how people end up in foreclosure. How in the world do they expect a customer to make up their payments when they keep adding more and more fees? It's like jump this hoop and this one and if you do that, you have come up with this amount and since that one was made after that date that we neglected to tell you about, you have to pay this additional amount and NEXT MONTH WE WILL DO IT ALL OVER AGAIN! Of course, we will send you a vague note at the end of the month. If I ever get out of this mess, I will never deal with CitiMortgage or any of its subsidiaries in any manner.

My husband and I pay every month on time and pay over $200 of the required min payment. I pay a higher amount for two reasons - one to pay off the loan earlier and two to have the equity in my home in case I need it. Didn't the banking industry just receive a bail out? Where is that money going? They are not doing what they said they were going to do and they continue to penalize us no matter if we deserve it or not! I am all for a class action suit if anyone is willing to take this guerrilla!

We called and settled the amount in arrears $396.04 plus the various fees. Why anyone would trust CitiMortgage to keep accurate records is beyond me. In addition, my name has always been on the mortgage note (originally held by ABN AMRO). Inexplicably, it recently disappeared from Citi's records. I am no longer listed on the mortgage. Rather than admit the mistake or research the error, they refuse to talk to me without my husband's authorization.

Taking matters into my own hands, I sent proof that my name was on the mortgage and further advised them that the mortgage was transferred to the family trust. NOW I HAVE THEIR ATTENTION. They are of course still only willing to correspond with my husband in the matter, until he signs the letter of authorization. Citi insists upon being named a Trustee of the Trust. Given Citi's ineptitude in keeping records, I would have to be crazy to name it a trustee. We are at a standoff.

I just don't know what else I can possibly do. Nobody has followed through with anything they have told me would be done. I was assured by a manager I would get a follow up call from him on a Friday at a specified time and he never called. I called again and spoke with another manager who said it would be taken care of personally by him and gave me his number to call if I had any questions or concerns while he worked on it and I can't reach him at number provided nor are any of my calls returned when I leave messages. I just can't believe huge mortgage companies operate like this. I feel like there's nothing I can do but pay what I'm being told to pay even though it doesn't make any sense.

I spoke with a LeeAnn ** about the payments and before I knew it they foreclosed on the property. To make a long story short, LeeAnn and I had spoken before the suit and she told me we could work out a "Workable Solution" just send the paperwork. I had put the house up for sale and sent the real estate contract to her, all within the time limit they had given me. LeeAnn ** would call and tell me she received everything and then a letter would arrive telling me the very things we had spoken of, but saying that the documents hadn't been received yet, this letter from Carol **.

It was endless calls to her every day just to find out that the paperwork I was sending her was not making it to Carol **. I never knew that it was suppose to go to this Carol who was another person in the same Loss and Mitigation Dept. This was a cycle of "send me the paperwork" and then one from the other person, "I didn't receive it". Until I received a summons of the Foreclosure. That same week, I received a letter stating that I hadn't sent in the paperwork in the required time limit and therefore they were foreclosing. Right before that letter, I received a letter saying to sign for a Short Sale... I was trying to sell it, why would I sign a Short Sale Agreement?

I feel that they played me along and because they had the note they could foreclose. I offered to make the payments since I had them returned, but they said I wasn't the persons on the note and they were deceased so they returned them. I explained I was their daughter with a interest in the property and they said nothing. The communication stopped, by them and never would their attorney try to work anything out. We have been in court since August 2008. I found that they don't even have the mortgage note, the mortgage never was recorded under our state law, in the county clerk's office and hadn't since it was transferred back in 1995. It had been sold five times. Therefore I claimed they don't have a legal stand since they can't prove that they hold the mortgage. They produced a Loss Note of a mortgage stating they are successor in interest by merger but they didn't even write that correctly because they don't know the real succession of mergers that the mortgage actually has.

I am acting Pro Se because an attorney for this type of action is at $15,000. If I had that I would pay the note off. The point is that CitiMortgage plays games and get away with it. This is the same type of mortgage back securities that have cause the troubles the banks are in now. They don't care if people keep their house and they are not willing to work with those people either. They commit fraud and get away with it because the lawmakers won't penalize them for what sloppy paperwork that they do. The law lets them transfer, merge and sell those mortgages without the proof that they actually have the real mortgage.

I will continue to fight this CitiMortgage and let everyone know, "DON'T JUST WALK AWAY... FIGHT FOR YOUR HOMES, THAT'S WHAT THEY WANT." Most people just move and don't contest the foreclosure suits...FIGHT! I don't know what will happen. I filed to go in front of an independent Mediation/Settlement Facilitator so we can overcome the bureaucratic problems that CitiMortgage created. They sued the estate and they are the very reason we went to court. They caused the default when they refused the payments.

The law only rewards this type of banking behavior and the people suffer because of this. To me, the courts should go over all foreclosures with a fine toothbrush and make sure they have followed the banking laws and rules they are suppose to. Because believe when you go to court the lawyer is going to use the State Statutes and Rules but they don't have to follow any of the State Statues and Rules that are required to make a legal stand when they enforce the foreclosure on the note.

CitiMortgage has attached an additional $2,282.39 stating this was a real estate tax advance. This is untrue. I sent them the receipts showing that my real estate taxes was paid by me. Furthermore, my real estate taxes are only $224.78 per year up until 2003 when they went up to $240.65, and then up again in 2008 to $259.16. The amount they claim to have paid would mean that they were paying well before this mortgage started. I have asked for proof of tax payments from them, but they continue to ignore my requests, and add interest to a bill that I don't owe. What can I do?

They make statements that make no sense. Supervisors assure me the account is being audited but nothing happens. They don't post payments on time. They are a mess and I want some action. They are taking $1800 a month of my hard earned money and are not taking care of it. I would like some action on behalf of myself and others with this company. They are disingenuous and promise everything and deliver nothing. Time someone held their feet to the fire. My payments are not being credited properly and mortgage balance inaccurate. They CANNOT/WILL NOT reply to monthly requests for payment history and accurate statements. This is not an inaccurate bill for an oil change; it is my home involving tens of thousands of dollars.

I have called Citimortgage at last 5 times on this issue, then I sent them a letter with all the necessary details to fix this on 9/7/08. In response, dated 9/16/08, I received a 1 line answer stating Our research has found that the tax lines for your escrow account are set up with adequate amounts based upon projected taxes due. That's it...no details, no phone call. Just a 1 line answer. I then responded with another letter on 9/22/08, which I listed as a Formal Complaint in bold, underlined words at the top of the letter, demanding a detailed answer about what research they have done and again requested that they call me immediately. It's now 11/2/08 and I have yet to receive a response.

Citimortgage has been impossible to reach about this issue because this complaint had to be sent to their Tax Department. But nobody will give a number to reach anyone in this group. In the response letter I received, it just says Tax Department, with no individual's name or contact information. I am absolutely sure that they are wrong with this information and have raised my monthly mortgage payment from $806.33/month to $1362.16/month and I'm sure, I'm not the only one who they are doing this to, based on the confusion with the Marion County property taxes. They have put me under financial pressure by raising my mortgage by such a significant amount and they refuse to respond appropriately. I will be sending a third complaint letter today and I have also contacted the Indiana Attorney General. I see many complaints about the same thing on this site, so I'm obviously not alone.

After no contact in the time specified we contacted them and were assured that everything was in order. We contacted them weekly thereafter and received the same assurance. We finally spoke to a supervisor who informed us, no they had never received the assessment from the assessment company. When my wife told him of our four previous phone calls, we were somewhat stunned that all of the notes left by the phone representatives were either incomplete, inaccurate or possibly just lies made up to get us off the phone.

Like many of the others complaints I have read about this company, our mortgage was bought by them. I certainly would never do business with this company willingly as they have exceeded even the worst service I've seen from the cable and phone companies. We are still awaiting resolution of our problem, but I wanted to alert others about this company's shoddy business practices. I would strongly advise requesting e-mail confirmation of any promises or actions made by one of their representatives and if legal would consider taping any conversations with this company to protect yourself.

So I wrote to the General Counsel for Citigroup, who has ignored my correspondence. That was when I started receiving calls at my office and my home, telling me my payments were late. Then I got a letter saying I was two months late and the house may go into foreclosure. At that point, I tried calling the bank again. This time I explained to them that I had a payoff sheet, showing the total owed as of Nov. 1 was about $1,050.00, so how could I possibly be late. The man I spoke to was completely obnoxious. He kept saying that just because I owed less than a payment, and had a payoff due three weeks hence, that did not mean my payment was not late! So I wrote again to the general counsel. Who again ignored me. Not only have the calls continued, but today I got another letter that they are seriously concerned about my late payment! When I went online to try to make the final payment just to get them off me, I was told the site was unavailable.

On 7-7-08, I received another letter from CitiMortgage with a copy of an insurance policy they had bought for my property. I called and spoke with Cherry **, and faxed her all my policies over again. She told me that it would be a few days to clear up the matter because they do not get their faxes directly. She told me they needed a copy of the policy I bought on my own. I explained to her that she pays that policy through my escrow account and should have a copy of the policy. I was told she does not handle escrow and I would need to talk to them.

Needless to say the policy they were in charge of paying through my escrow account had not been paid. They had paid it the year before but all of a sudden had no idea who my policy was through. I called the insurance company who told me not to pay the policy on my own; I could be fined late fees. I then called CitiMortgage and spoke with Constance ** who was mailing out a check the next day 8-1-08 for the policy. She told me she was going to clear up the other missing policies which they still showed not receiving.

The insurance company did not receive the check and process it until the 25th of August. The policy had been canceled because it was over 90 days old. Instead of the insurance company calling me or CitiMortgage they just held on to the check. In the meantime, I had received more letters from CitiMortgage. On August 5th, they sent me a flood insurance acknowledgement letter. August 9th they sent me a notice of flood insurance coverage requirement. Spoke to William on 8-26, Herish on 9-11 and Jack on 9-11. I have spoken to more people who told me the problem had been fixed. It is still not fixed. Now I am trying to cancel my escrow account. Good luck to me.

The representative started asking me questions and I asked him where he got this information, he then told me Citi bought our mortgage. According to them we owed them three months and they were going to start foreclosing on us. The next day we got our bank account information faxed to them showing the money was sent and taken out of our account on time when it was due. Apparently the old bank was holding the money and not transfering it.

After we got that hassle fixed they told us we had to pay three months late fees. We got them to erase the late fees but they are still billing us for one months late fee. We have never been late and now it's on our credit report and they say they will continue to bill us for it till we pay it off

In May we got a notice that they were going to ESCROW our account which our account when it was SOLD to them without our permission, they would be changing to an escrow account which we had not ever had it like this prior. Now they claimed they had to pay our taxes and they had not received proof of payment, guess the copies of the receipts and cancelled checks were not enough. They claimed they did not receive them. We phone and then had to get a signed statement from the clerk's office that indeed we paid them and when.

At this time, CitiMortgage claimed they had sent checks to the Clerk's office in APRIL, This was now JUNE. All this time, we kept getting ok this is taken care of Please send your NORMAL payment of 475.00, and ignore the escrow payment notice. So we did, now every month is the same Deal, they send notice of escrow and then we call they say oh so sorry it will be fixed just send in your normal payment.

Then the phone calls start we did not pay our payment and late fees etc, when in fact they even admit they have our checks on time. We have faxed them Twice the receipts, cancelled checks and Statement from our clerks office who by the way says They do not report deliquent accounts to the mortgage companies as the CitiMortgage Claims they did. They clerk said they have no clue to what mortgage is on what property nor do they have the staff to do such. We have been getting Lie after Lie from CitiMortgage.

late fees, making extra trips to obtain proof, mental anguish. Credit rating is being effected

As of my October payment they want to increase my monthly payment from $370 to $1175, for an issue I've already discussed with the state, and have till 4/2010 to handle. I will go into forclosure like the other hundreds of thousands of people if they do not remove this escrow payment!

In July of 2008 our mortgage was transferred to CitiMortgage - WITHOUT ANY NOTIFICATION. Apparently CitiMortgage does not accept partial payments and was holding my money in a holding account unless I called them and asked them to apply the payment. However, since I didn't know it had even been transferred to CitiMortgage how would I know to contaxt them? The only way I found out about this gigantic disaster was because CitiMortgage started calling my house 10x+ a day (which is ILLEGAL) to tell me my mortgage was late.

I finally got a supervisor at CitiMortgage and spent over an hour on the phone with her. She assured me this was NOT my fault, and that it was most definitely CitiFinancial / CitiMortgage at fault. She told me ALL late fees would be reversed immediately. There is still an outstanding late fee - and they are holding money because it is not enough (after the late fee is taken out of it) to pay my mortgage payment. Their customer service department is TERRIBLE. They are RUDE. They are condescending.

I have bank statement proof of my payments - yet they claim that I made them on different dates. Isn't this ILLEGAL? I am contacting the attorney general's office today. My credit is TRASHED. They have reported my payment late for the last 8 months.

We finally got their time schedule correct for inspection to find an absurd discrepancy( Something about wrong initials or address issue from the distant past). There was No attempt to correct or inquire about these absurd issues. After loan agent telling me that this was the oldest file on his desk, the loan was denied. With a credit score of almost 800, salary of $200,000 and dealing with the original loan Co. who gave me a loan in the year 2000, something is fishy.

Submitted letter of discontent on July 5,2008 and never received response. I want my loan @5% or all of my money refunded! Paid $545 for application fee Paid $20 credit opening fees

Citimortgage has repeatedly charged me a late fee (which they have had to waive each time) for my partial payment claiming that they don't know how to apply them; therefore, at least one of my partial payments is unapplied each month and held in a holding account thereby generating a notice of delinquency on my account. Citimortgage commits this fraudulent practice each month even though my electronic payments indicate the name and account number to which the payments are to be applied.

So, why then is Citimortgage misapplying one of my bi-weekly payments each and every month? Citimortgage is doing this because 1) they have a faulty payment receipt system and 2) they want me to pay a one-time $350 fee to an affiliate (a Citimortgage company) who will deduct bi-weekly payments directly from my checking account to pay my mortgage. This is nothing short of EXTORTION! I will not pay a $350 fee to a Citimortgage affiliate to provide me a service that I am providing for myself. There is nothing in my agreement (as it was read to me over the phone in a call that lasted well over an hour) that says that I cannot make an advanced partial payment and a timely partial payment on my account and expect that one of these payments will not be applied to my account!

This is an absolutely deceptive practice that deserves to be challenged. So I will be filing a complaint with the Nevada Attorney General's Office, promptly! I am not seeking any financial reward, mind you. This is strictly a matter of principle, logic, and fairness. Citimortgage ought to be made to pay BIG for having upset all of us and wasted our valuable time!

late charges assessed to my account; lengthy calls to Citimortgage to clear up the mess they've created; and repeated insistence that I pay the $350 to their affiliate so that I can avoid this problem in the future

Today I found out citimortgage is going to raise my house payment by $600,due to a new escrow estimate. I called explaining that the escrow was supposed to have been removed months ago. Citimortgage claims to have paid my county taxes, but they have not been paid to date. As a result of their supposed tax payment I am in a negative balance and they will not remove escrow. Prior to the so called payment my balance was positive! Additionally I have been informed citimortgage will never remove escrow because they claim the lender fannie mae won't allow it. I have no relationship with fannie mae though. I had escrow included with my originating lender because they said it was merely an option, never a requirement.

In the meantime I am stuck with calls to india trying to get satisfaction. Most times they hang up on me or I get cut off unexpectedly. I have no way of coming up with the extra $600 raise in monthly payment. Citimortgage advised if I only paid the true mortgage cost to them and paid the Insurance and taxes myself locally they would destroy my credit by reporting I am short paying. I really hope this gets picked up by a legal team that can do something. Based on the reports I have read I am not alone in this situation with this company.

Lose my home and put my kids in the street. Ruin my credit if I paid my insurance and tax agencies locally myself and only pay citimortgage my actual payment minus their projected excrow....

Recently, however, the calls have begun again. The most recent calls are not coming from outside numbers, however, they are coming from my own cell phone number and are identified as my voicemail. The most recent ones were at 1:46pm and 3:02pm, Monday, August 18, 2008. The caller was Tom of Citi Financial, Dallas, TX and he asked for Bobby (again). How is Citi Financial able to co-op my own voicemail cell phone number to call me at my own cell phone? Both numbers are one in the same. I do not care what Sprint has to do, but I want this activity stopped immediately. I do not want calls from Citi Financial and/or for Bobby. If Sprint cannot contact Citi Financial and get this reprehensible and intrusive collections practice stopped, I will end my service with Sprint.

In addition, I am forwarding a copy of this letter to the U.S. Federal Communications Commission with regard to Sprints inability to stop these calls and also to the U.S. Federal Trade Commission with regard to Citi Financials low-down-and-dirty collections practices. I find the underhanded collection practices of Citi Financial most alarming and a violation of my personal privacy as a Sprint customer. In addition, I find that Sprint apparently cannot stop unsolicited calls from commercial vendors or protect me from wrong-headed collections people that simply co-op my own cell phone number and call me through my voicemail. Last, I was located in Canada for the previous two calls, therefore, I do not expect to be billed international rates for the time intervals for these (and previous) calls.

I am a truck driver and Citi Financial Mortgage has cause me much lost sleep, much anxiety, and many cell phone dollars spent trying to resolve this matter. I am at my wit's end!

I have had dozens of sleepless nights, suffer from stress caused by the CITIMortgage Co. I request an immediate correction and/or refund.

I can barely afford my mortgage as it is. The attained additional flood insurance for me at a cost of $1347. I can't afford it. I lowered my liability insurance to $250000, the lowest I could go and raised the flood insurance to $200000. The cost is $690 for 11 months. That is in sddition to the $740 I already paid.

Since our claim not initially only covered water damage to our kitchen and ultimately extended to other areas I asked if the check was in smaller increments if they would disburse in full and was advised yes. I then contacted my insurance company and requested that they breakout the checks by area. Recognizing that in order to order cabinets you are required to pay 50% and balance upon delivery, so I was hoping to be able to achieve this by doing so. Cabinets take 6 8 weeks to come in after ordering them. After returning the initial check to my insurance company I received two separate checks, one for $9,000 and the other for $6,398.32.

On July 23rd I forwarded those checks to CitiMortgage. Recognize prior to forwarding the checks to Citimortgage I did contact another representative to find out turn around time. This representative said that I needed to cross out my endorsement and only send with my husband's signature since they would be endorsing the same check and forwarding back to us, for me to then endorse and deposit into my account Upon receipt by Citimortgage I was informed that although the checks were under the $10,000 limit they would be handled as if they were combined, negating the additional 5 days I wasted having them re-cut by the insurance company.

Evidently the initial representative gave me invalid information, even after I clarified what I was doing to ensure she understood and asked her to explain it back to me to ensure we were on the same page, then the subsequent representative was incorrect because the checks did in fact need my endorsement, so we had to wait for Citimortgage to return the checks to us, another delay and one I felt once resolved would be the last.

My issue with Citimortgage, after all the above, once they had our insurance checks correctly endorsed, we had to wait 10 business days for the insurance checks to CLEAR (even though they were from a nationally known insurance company and for amounts under $10,000), then another 5 - 10 business days for them to cut the checks. So essentially they held our funds for over three weeks from the date of receipt of our correctly endorsed checks until we received our initial draw of 50%. My question is, they still have $7,699.16 of our funds which we will receive after the work is complete and they send an inspector to confirm repairs ~ how long after the inspector comes will it take for us to get the balance of our funds due us?

Sounds to me like CitiMortgage is covering their losses by making interest on insurance claims float? Delayed my ability to order my replacement cabinets by three weeks, not to ention I was out of my funds for that time frame.

I called them again and yelled at them, spoke to a supervisor that promised me our number would be removed when their system updated in 24 hours. It didn't stop - so I called them again screaming and was told our number has been removed. The calls stopped for a week and have started up again. The person does not live here. Has never lived here. Why should I be subject to being harrassed for their loan. It's absolutely maddening. I don't know what else to do, except change our number which will cost me more of my time and money.

I get tense every time the phone rings. My bloodpresure rises as soon as I get home and see we have messages because I know one will be from Citi Mortgage looking for this person who has never lived here. My personal time has been invaded and wasted by this company. I have no peace. I can't make them stop. I get so angry over this constant harrassment, it ruined my mood, cost me sleep...I don't know what else to do except seek legal action against them.

They raised our payments in June, but we have been paying what is actually owed, not for what they say we owe. Even though we have proved to them their errors and that all taxes and fees are paid for 2008, they are still withholding the full escrow amount. They hold one month's payment until they get the next month's payment to credit what they say we owe. Currently that say we owe almost $6,000. we do not owe this.

We have contacted the Washington Stat Attorney General's Office. Sadly he doesn't seem to care. we never even heard a response from the US Attorney General. We have been lied to, hung up on, rerouted, sent unsigned letters, and spoken to representatives in India who have become beligerant with us. We receive four to six harassing phone calls EVERY DAY. Isn't any governent agency going to STOP this?

There is not enough space here to describe all the damage that has resulted from dealing with CitiMortgage.

Since October 2002, when I first took the mortgage with ABN AMRO, the mortgage payments have always been an automatic withdrawal from my checking account - no payments were ever missed nor were they ever late. ABN always reported to the credit reporting agencies that my account was in good standing, with no defaults or late payments, even after the bankruptcy discharged.

In September of 2007 ABN AMRO was purchased by Citimortgage. Citimortgage now reports my account as having been in default with ABN AMRO since March of 2007 and also shows that I have made no payments to them since they purchased ABN AMRO. The credit reporting agencies originally were showing that Citimortgage was reporting that I had dumped TWO mortgages in the bankruptcy - ABN and them. I started dealing with Citimortgage over a year ago, trying to get them to correct their report to the agencies - now they are showing that I have a zero balance with them and that I have not made a payment to ABN AMRO or to Citimortgage since March 2007.

They also show that both mortgages were included in the bankruptcy. This is absolutely erroneous - at no time was my mortgage included in the bankruptcy. I have contacted them numerous times, have written letters providing documentation verifying that my payments have always been made, that the mortgage was not included in the bankruptcy, etc. They most recently are showing that I have 0 balance due them, and they have verbally refused to report my payments.

I have filed disputes with all 3 credit reporting agencies, have filed with the Federal Fair Credit Reporting Agency and have filed with our local consumer protection agency. Please call the Federal Fair Credit Reporting Agency. I have been told by this agency that if enough people file a complaint with the Federal Fair Credit Reporting Agency, then the Federal Agency will investigate Citimortgage's business practices.
Please also file with your local agency.

The bank with whom I have my checking account with overdraft protection, and a credit card, has recently lowered my accessible credit limits on both sources, citing recent information from the reporting agencies as the reason. I have recently been turned down for credit to have dental work done. I am needing to apply for credit to have a heat unit replaced in my house and I anticipate that being denied. As the bankruptcy was discharged over a year ago, it is the current information that is affecting my credit standing as it shows I am not making any payments.

Consequences, there are forecloseing on my home ! Economic are to long to describe and iam tired of explaining to everybody! Any lawyer please contact me!

I called to get the escrow deletion agreement, which the letter directed me to do. I spoke with a customer service rep who told me about the escrow deletion fee of over $500. This was the first I had ever heard of such a fee. When I began to argue with the rep, he disconnected me. I called back and got a female rep, who told me, after I had asked about the fee, that my contract had no such fee. When I later received the escrow deletion agreement, there was an accompanying letter - setting forth the six criteria from the first letter and adding a seventh - the whopping $500 escrow deletion fee.

I then wrote a letter to Citimortgage asking why when I had satisfied the criteria in the first letter I now had to satisfy yet another criteria - payment of an enormous fee - which was not mentioned in my mortgage contract. I received a letter in late July telling me that the fee was because I might default on my insurance or taxes and there are costs associated with trying to get the borrower (me)to pay those taxes and/or insurance. Has anyone else had this problem? The letter from Citimortgage was completely nonresponsive to my letter. I asked why they continue to manufacture new criteria for escrow deletion and why I have to pay more than $500 to get money released from my escrow account.

Their answer did not explain the discrepancy in their letters or in what their own customer service reps said, and it very clearly demonstrated that what they are charging is NOT a fee. A fee is for a service or product. Citimortgage is trying to extort additional security from me to cover the possibility that I may not pay taxes and/or insurance. But, if the concern is that I might default, then the solution is to maintain escrow.

Moreover, Citimortgage has the right, under the terms of the mortgage contract, to reinstate the escrow account in the event of such a default. So, I can only speculate that this fee is simply their way of taking more of my money. Has anyone else had this experience? Any suggestions on how to proceed?

I called back on 6/26 and spoke with Sally. She said it was still being processed to call back. I called back on 7/1, spoke to Chardonnay in Loss Mitigation (very rude person). She stated it was still being processed. I asked her if I needed to do anything and she said no and to call back. Called back on 7/8/08 spoke with Anna. She stated a case was opened for me by Naveen C. but could not help me so she transfered me to Patrick in Loss Mitigation. He said I didn't qualify since CitiMortgage did not have my loan long enough. I stated I didn't ask them to buy my loan in the 1st place and mentioned that Todd had told me just the opposite on 6/24. Patrick stated if I was late it would be reported to the Credit Bureu even though Todd said it wouldn't. Patrick said he would mail me out a Workable Solutions packet to submit my financial obligations and salary information and I should receive week of 7/15/08.

I never received packet so I called back on 7/17/08 and spoke with Rohid. He stated I would have to talk to collections. He transfered me to Carlos, who tried his best to intimidate me but it didn't work! Carlos said I didn't qualify for anything since I wasn't past due and that they needed financial obligation and salary information and I explained to him that I would be since I was still only working part time. He said he would mail me out a workable solutions packet and I explained to him that I had already provided my financial information to Todd and he said I couldn't do that and I told him that on 7/8/08, I had called and Anna told me that Naveen C. had opened a case for me. He said he didn't see anything (even though everyone else I spoke to afterwards told me they saw it!) None the less I never received one from him either.

On 7/25 I called back and spoke with LeSandra in Customer Service. I had to explain the entire ordeal again and told her I was supposed to have been mailed a Workable Solutions packet. She conferenced me to Shane in Collections since I had asked to speak with a manager or supervisor. I had to explain to Shane my situation. He stated that he would contact Current Accounts as he saw every time I had called and the replies I was getting from CitiMortgage and he promised he would call me back on 7/26 and he gave me phone# to call him personally even though it was someone else's desk, if I had anymore problems. Shane NEVER called me back so I called the number he gave me and left 2 messages for him to call me on 7/29, NO RETURNED CALL! After receiving a call from Collections about me being late on my payment, I told the girl I was trying to get some help with CitiMortgage and NOT to call me again.

On 7/29, I called Customer Service since I wanted to talk to SOMEONE that could help me. I spoke with Quamer. He transferred me to Loss Mitigation and they were closed. He said he got confused and I hung up. At 7:51 pm on 7/29, I called the number Shane gave me again and asked him to call me on 7/30, NO RETURN CALL! At 7:55pm on 7/29 I called back and spoke with Seikhomen, he transferred me to a Cust. Serv. Supervisor, Catherine. I explained my situation and phone calls not being returned. She transferred me to collections and I spoke with Maddie in collections. I once again explained my situation and she said she was emailing Jim , Loss Mitigation Manager who set next to her. She assured me that Jim would call me and if I hadn't heard from him by 12:00 on Thursday, 7/31 to call back.

I waited as I know they are busy so I called the collections # which is listed on my mortgage statement on 8/6/08 and spoke with Naina. I told her that I was not receiving any phone calls back after being promised I would. She said she would transfer me to collections. I said I had dialed the phone number for collections and she said it was routed to customer service in error. At 6:24pm, I spoke to Holly in collections. I explained AGAIN my situation and she said she would talk to her floor lead, Phillip. Phillip got on the phone and he said he would send my information to the Current But In Trouble department. I asked him if they would just rather me to go into foreclosure and he said that would be bad on my credit. I told him that I would rather have that then to keep getting tossed back and forth from dept to dept with no one returning my calls as promised. He PROMISED me that he would call me back on 8/20/08 and I told him I would believe it when I got the call from him. I did ask for the address for their complaints department as I wanted upper management to know how unacceptable their managers and supervisors act by not returning promised phone calls. He did provide me with the address and I will also be filing a complaint with them as well.

CitiMortgage has made a stressful situation even more stressful. No wonder so many people would rather not make house payments and go into foreclosure than to deal with the stress of CitiMortgage's way of helping out their customers. I have all of my phone conversations documented and will send copies to CitiMortgage and anyone else who would like them. I have just recently started a new job and am now working full time again but I do not see me getting caught up on my house payment or my bills unless CitiMortgage will let me add 3 monthly payments to the end of my mortgage or lower my house payment/intrest so I can still afford to pay utilities, groceries and the gold that runs my vehicle. I also have other bills to pay as well.

Of course they never received my fax. Finally after faxing it several times they stated they did receive the fax, but they still need an additional $300 a month for escrow. They stated we can either mail them $2700 now to bring the escrow account back to good standing or we can pay an additional $300 a month. Why they need to hold that month in escrow is beyond me. I would truly LOVE LOVE LOVE to get away from Citimortgage.

Why our original lender sold out I don't know. It's virtually impossible to get through to anyone who speaks English and actually knows what they're talking about. I do NOT want to pay the additional $300 as I don't think it's necessary based on the calculations I've done, however I'm terrified if I don't they'll put me into collections and damage my excellent credit. We have no money left to pay this every month!

To date, no such ACH transfers were attempted by Citimortgage, and they have given me either incorrect, misleading, or no information at all concerning this transfer of funds so that I may save my home from foreclosure. It is nearly impossible to get a representative on the phone, and it has been impossible for me to reach my own account manager, Mr. Bradley, who has never once followed up his phone call to me in which he put me on notice that further action would be taken if my mortgage was not paid to date by month end.

I feel at this point Citimortgage will be initiating foreclosure proceedings against me and my home despite the fact that I made arrangements for my mortgage delinquencies to be paid in full by the end of July. To date, it is in fact Citimortgage that has failed to take the required action to see that the delinquencies have been paid as I have used every option available to me to make restitution to them.

In 1 week they stole from my checking account$2747.18, and have been lying about returning it for the whole week I've talked to 6 account supervisors&managers and as of 08/02/08 have not recieved a penny of my money returned, and Iam disabled since 2005 and Ihave a contract that is still in force with them until 2010 through American Health and Life Insurance Company which is a company inside of citicorp trust bank and I have copies of paid claims and the original document, that they have been paying all this time!

Please help my family,I am on full and total disability and this is killing me because of my deppression I can't deal with this and my other problems it has pushed me to the point of no return.

This month (July, 2008) I received a mortgage statement from CIT reflecting a charge for $267.00 for property taxes that were paid. Note - my taxes are not escrowed!! After waiting for 7 days for a return call, it appears that CIT called our county tax department and inquired of any "delinquent" taxes on our property. CIT was told that there was an outstanding balance of $267 for our taxes, due 7/31/08. CIT took it upon themselves to pay our taxes for us without our authorization! They are increasingly making my life hell for fear of another foreclosure! I'm so tempted to do just that! One thing is certain...they will not receive another mortgage payment earlier than necessary to avoid a late fee!

However, although I gave them 13 days notice, the system withdrew from my account on Monday, Wednesday and Friday. I kept calling them and I was connected to the reps in India. They said no problem and they would put in the next date (of Saturday) to pay the mortgage. I'm still seeing my funds withdrawn and returned on the days before Saturday. When I called again, they said I need 5 days for the change to go in effect so the next payment was already scheduled for __ date. I reminded them that the system is going to keep on withdrawing on the wrong dates every 2 days, causing more late fees and bank draft fees.

In June, one rep told me to do a stop payment on June 21, 2008 for $1281.05 to ensure that the automatic withdrawal will take place on the right date. I paid $25 for the stop payment at my bank. On June 21st, Citimortgage automatically withdrew $1281.06 on June 21st and every 2 days after that till my payday finally paid it. But I was left with $177 in bank fees plus $256.20 in late fees. Citimortgage refunded me only $100. It's now July, and they still haven't gotten my dates corrected. I have to pay the bank fees out of pocket because my other family members already paid their share of the mortgage and it would not be right to impose the fees on them.

Due to their system always pulling out my money on the wrong dates, my bank account has been charged with more bank fees more than my car payment. Although I kept faxing my documents to the Research Department as they promised to pay me back the bank fees and waive the late fees, they did still charge me the late fees and only paid $100. Now that it's July 2008, they owe me $177 plus $52 more. I am at risk of losing my home because they fail to read the multiple notes made by the reps that my actual automatic withdrawal dates are on Saturday, a day after my paycheck is deposited into my bank account.

I called back on July 21. I had gone online prior to the call and found out that my escrow had not been changed. Now my escrow balance was nearly $1200. The new call center rep told me that I was to pay the new mortgage payment. I began to ask why I had not received the adjustment promised (she even confirmed to me that it had been promised). She then began to read some prepared statement about escrows. I cut her off and asked her to talk to me and not to read some statement. She told me that I had received a letter explaining the situation. I have yet to receive a letter. She then put me on hold for a few minutes.

When she came back, I was told that I would receive a letter and maybe a phone call by August 4. She would not say the purpose of the letter or call. I mailed to citimortgage (sent to Gaithersburg, Maryland) a letter and spreadsheet showing how off their escrow analysis is and that they should adjust the analysis based upon actual balances instead of a projected figure that is nearly $1000 too low. The escrow statement also had conflicting information from page 1 to page 2.

Oh, and the call center for citimortgage? It's in India. The reps were very difficult to understand. And they had difficulty understanding what I was saying and trying to communicate. They would just apologize and then go back to some scripted responses. I know that local institutions would make any reasonable adjustments if provided with the data that I have compiled. Citimortgage appears to be hiding behind foreign workers who will not escalate issues.

If I pay the total escrow shortage (which they are encouraging), I'll have nearly $3000 in escrow and that is totally not needed. If they don't change my monthly payment amount, they'll only have to change it next year due to an escrow overage. But I'll be out $8400 that will be sitting in the escrow account doing nothing.

The home owner has made payment to the subcontractor and is now loosing the interest on the money used that CitiMortgage owes.

It once was that I allowed them to connect me to escrow analysis, which amounted to, simply, another forced-choice menu that led nowhere--a hamster-wheel of sorts to dissipate the reason of a rational mind; however, after hours of this, I began insisting upon the service rep staying on the line until a live person, always someone billing themselves as an escrow analyst, was found--this often involves hold times in excess of 20-30 minutes. The algorithm proceeds with the new person running an analysis, giving me the rationale for why the amount due is high. When I address the fact that I HAVE insurance, that they have received the information numerous times, somehow in mid-sentence, the analyst's voice stops and I get the all-too-familiar sound of the phone line disconnect.

Here's the double-insult: they have repeatedly reported me as non-payment to the credit bureau. In reality, my payments are sent automatically from my bank, are cleared through the banking system, but are not applied as payments because each individual payment does not equal CitiMortgage's NEW payment amount based upon the escrow shortage thus established by the internal levy of forced placed insurance. Furthermore, despite my mention to each person I encounter at the rate of once every two minutes, no manner of addressing the credit report impact has ever occurred. There is no need for them to do this because--the line will go dead. Furthermore, this seems to be programatized--I have experienced it too many times for it to not be.

I now believe this must be targeted at the elderly who respond to this kind of thing with bewilderment. The game artificially damages the mortgage holder's credit, particularly badly if it proceeds quietly and in the pernicious manner in which it is designed. It does not take many logical steps to understand the end-game, foreclosure optimization. I feel helpless, abused, disenfranchised of rights, tired, lost--but I will not give up. I have heard of the same fraudulent practice with this company in a slightly different iteration: taxes in the escrow. This is Goliath. I am not good with a sling, but I will not stop until I find someone who is.

Negative impact on my credit

We had to bankrupt and our house went into foreclose we also had insurance with them also because I was laided off from work. All I got from them is grief, my husband was in the hospital, my 22 year old son commited suiside. they would not have anything to do with us after the gave us the loan. The lady did say she got promoted because of the loan!

I assumed since I was instructed to pay the June payment that the first collection would be in July. I discovered while out of town when I tried to make a withdrawal from an ATM, that my account was debited for the first withdrawal and my account balance was $0. I still had a hotel bill to pay and transportation to the airport. I immediately called FNCIA and I was connected to a person in India. I explained the situation and asked them to transfer the funds electronically back into my account since it was withdrawn electronically and CitiMortage had already received payment. I was informed that their system doesn't allow for this, which I find incredible because any administrator can overide a computer system.

I explained that I didn't want to do business with them since they were not customer orientated. I was then informed that I would have to write to them to change the agreement and that it would take approximately 14 business days to receive a mailed check. I asked what they were doing with my money of over $2000 for the next couple of weeks. I think I deserved interest! I wrote and now it is 14 business days later. I called FNCIA today to inquire where my payment check was. Once again I spoke to a person in India and their supervisor who informed me that my check had not been sent and would not be sent until Thursday.

Today is Tuesday and I am traveling overseas on Wednesday and will not be home for ten days. I really need that money in my account before I leave. Without it I don't think I will be able to make my next mortage payment on time. In addition, I may still have to pay the $600 fee for signing up for the Bi-Weekly Advantage Program, despite the fact that only one withdrawal was ever made.

An ADVANTAGE it has not been. A company uses my money while I have none and then charges me for it. My advice to everyone is to not sign up for any program that automaticaaly withdraws money from your accounts. CitiMortgage would be wise to not do business with the FNC Insurance Agency. Where has customer service gone?

The citimortgage collections dept. calls my wife and says we owe them 4 grand. Sometimes they say 5 grand. We then have to explain that we were on a payment plan and they act like they don't know what we are talking about. Once they finally look it up, they say we need to contact Dan Rhodes or Rose from loss mitigation who actually set this whole thing up and he will not return phone calls.

The customer service dept. has even said they sent him emails to contact us and he still doesn't reply. My wife and I have gotten two names and numbers of people who are supposedly this guys boss and they don't return phone calls either. I have now started the complaint process with the BBB.

After 10 days, I did not receive the paperwork. I called again, CitiMortgage confirmed they received the payment I owed and to bring the escrow account to a $0 balance, but they require to have my account for 12 months to monitor my payment history. Citimortgage, Inc. purchased the previous mortgage lender, ABN AMRO, 6 months earlier. I stated that ABN AMRO had the account for 2 years and that CitiMortgage, Inc would have my account history which is impeccable.

It is now close to the end of June. I was also told that their records indicate that there was a July tax due. I assured them and confirmed with my township that there were no taxes due. I faxed a letter from tax assessor and township stating this. I was told once this was received they would send the paperwork. I was also informed if I send the principle and interest amount minus the additional $1,000.00, that they would send my account into collections and this would hurt my credit rating. I paid the additional amount.

It is now July 10th and I still have not received the paperwork. I requested to talk with a Manager on several occasions and at one point the Manager hung up. I have not received a resolution to this issue and I'm not sure I can afford to pay an extra $1000. in August. I also submitted a complaint to the Office of the comptroller of the Currency for National Banks. What recourse does customer have that has met every request and pays her mortgage payments on time?

He has since managed to catch up, with some help from us, and can now afford to pay off his entire amount due. Unfortunately, he can't find anyone at Citimortgage that can talk to him to give him the total amount due. He has all the money to get him current sitting in his bank account, and they won't accept it. Can they legally do this?

Meantime, Amtrust is foreclosing on me and I have to make arrangements to move out, and I just hope they dont cheat me out of 7000.00, which i borrowed from my family, who is no better off than I. Not to mention the countless times I've called, been transferred, put on hold, hung up on, treated rudely and condenscendingly, I am at my wits end and will never do business with them. Isnt this misrepresentation and fraud? They do not honor what they say, and overcharge if u dont watch your statements closely. Can u please help me? thank you.

Well, mysister is suffering, she is a single mom, supporting my 80 yr old mom, and doesnt have money to throw away. She tried to help me, relying that the bank would honor what they said, they would do. Now, I have nothing no money and no release, and she is in debt, having to pay back this money. its just been alot of mental and physcological anguish.

we filed bankruptcy 3 years ago because I got sick I had heart trouble my lawyer told me they reaffirmded our loan but in fact they did not but they still acepted my pament each month and now we have lost our house and we are renting It is bad that i wasted all that money and time with that mortgage co I would have called a atourney but now im broke thankes to them

So I contacted Citimortgage and requested a justification of why my equity is not paid to the padding level I waited hours and received no less than 6 hangups in the process before an individual from India came online. This individual proceeded to literally read my Equity analysis verbatim, no true explanation of why my payment has gone up nor any explanation at all.

I called the city where I live and they informed me that taxes have not gone up and the limited explanation I received from Citimortgage, neither had my mortgage insurance. So why am I paying for their mistake? I have paid my mortgage promptly with the exception that I was late on a single payment by 8 days due to the government having a problem with my pension. I paid the late fee and all seemed well.

I purchased my home in Nov 2007 under a fixed, low income housing loan sponsored by the State of New Mexico. The agreed terms were 1,195.98 per month for 30 years (minus tax hikes or escrow insurance hikes). How does one's payment go above the stated terms of the contract without good reason? I was never informed of this Escrow Analysis now was I told it could influence my future payments.

I am a disabled veteran with severe mental and physical problems, and having to endure this burden is driving my already fragile mental state to the brink. I am unable to work so my family and I live on a modest pension plus social security. I have no money to afford a good lawyer to resolve this so what am I supposed to do? I signed this contract in good faith and im keeping with the terms, why is Citimortgage failing to meet the terms of the contract?

I called the new 800 number and recieved a woman who also didn't speak clear English but who could understand me. I gave her the amount Citi claimed was my mortgage $1400.00 and then the amount I had a contract with Provident for $1650.00. She informed me that they weren't Provident. Yeah, I noticed. I had to explain to her that when one mortgage company buys from another , the contract holds true. Nothing can be changed, it's illegal to do so. My payment was what it was contracted to be for a reason. At this time I inquired about our Escrow account as I didn't see it listed in the information in the packet I received from Citi. She says, "This is a Non- Escrow account." Excuse me? I am once again given another number to call to deal with the Escrow situation.

I get a woman and explain everything with an emphasis on NOT CHANGING LEGAL CONTRACTS. She tells me the only way to fix this, is to fax a written request for an Escrow account to be opened and specify it is for taxes only and not home owners insurance with my last tax bill attached. I fax this information to the Account Inquiries Department. Meanwhile, I send out the first payment of $1400.00 weeks before it is due in the amount Citi claims is correct.

Ten days later I get a letter in the mail from Citi in response to my inquiry to establish an Escrow account. They want me to sign a paper with all the information I already faxed and to send a copy of my last tax bill. I had already provided them with the information but signed the paper anyway and put a note at the bottom that they already had the rest of what they requsted. I included the date, time and number from which my fax originated. Two days later I get my Escrow information packet. It shows my new payment as the correct amount and things look as they did when I left the office of Provident. Except now they want me to dish out $600.00 to bring my Escrow account up to date. I sent them $610.00

Next bill comes in. It shows I owe $3300.00. So, I call up Citi. Again. After nearly 2 hours of playing transfer, dialing new numbers and being put on hold I find out that Citi credited my first payment to Additional Principal. They also have me in the hold for the full $1650.00 amount that they didn't even bill me for in the first place and there for have charged me as late. They are threatening to ding my credit. My credit score is over 700, I am not one to mess around with such things. I am assured that the misapplied amount would be fixed in a weeks time. She then informs me that my next payment is $1850.00. I ask why. She says it's to bring my Escrow account up to date. I inform her that I just sent in over $600.00. She says she knows and it has been credited but is still short. I am irritated, angry and tired by now. I say what ever and I send in the $1850.00.

I get the third bill. This months bill. The $1400.00 is still in the Additional Principal account. They have received but not credited my last payment. I sent it on the 31st but it's not due until the 16th. It is in the Unapplied Funds account. They say I owe them $3300.00 still. The escrow account shows only $610.00 instead of $810.00 as I have paid into it.

So, I call. I get a man who speaks English with a strong accent but we understand eachother. I tell him the whole story. His name is Steve. He assures me that the Additional Principal account will be applied to Principal account where it was meant to be. He applied the Unapplied Funds to my account and said everything will be ready to go by July7th. We'll see. I am getting ready to put in a report with BBB, I am going to write Citi a letter and am looking into a lawyer. I have busted my rear to get my credit from the low 400's up to where it is now. I refuse to let these people take what I have worked so hard for. I have enough problems bieng a disabled Vietnam Veteran with a nervous condition. I'm tired of the unwarranted threatning letters. I told them when this began to send correspondence to my agent not me.

Loan officer Curt Hartman assured me this would not be a problem, I was unsure after the line application headache. I paid my $445 application fee and out came another appraiser. I was sure after all of the improvements the value would go up at the very least stay at $180. To my surprise my appraisal came in at $120,000. $60,000 dollars less than 9 months prior after $65,000 dollars worth of improvements? Our loan request was denied? I know the market is bad but this is down right ridiculous! Both appraisals were done by Citi? I also have a letter from Citi basically stating the $180 was used to secure the line?

Citi says my home is worth $120 but our current debt to them is around $153,000? (Between line and primary) My husband and I don't want 2 mortgage payments, we thought we were being smart by doing improvements after we earned equity in our property? I want a re-finance! I filed the application all the way back in April! Sick over all of it!

So I asked if I can speek to her Manager lady came on and said her name was Maria i told her who i was and guess what she recognized me from last year same thing happen we paid our billes but they took the $$$ out but did not apply it to my mortgage it took (2) trips to the bank that is 2 days off from work and many phone calls to get it straiten out. The late fee that they charged they did remove from my bill,that branch has the worst custmer service as i said to Maria next time they should pay me for all the probloms i have with them.

Come May, another letter stating this payment is now missing. I again faxed in proof of this payment, along with proof of our March payment. June payment is also missing, again I faxed in proof of this payment. All of these payments have been sent via Western Union. Western Union sent me upon my request 2 letters on their letterhead showing proof of payment from March 2008-June 2008. All payments were picked up by Citimortgage.

I just recieved a letter on June 23rd, that if we don't pay the 3 missing payments plus late fees that Citimortgage will begin foreclosure proceedings and we will have to pay for the attorneys fees. I reported them to the BBB and HUD/FHA, and Transunion(we are disputing the flaw now on our credit reports for Citimortgage's failure). I advised all that we do have proof of these payments. I have faxed all of receipts going back to January 2008, payment proof letters from Western Union and my own letters with our account number, name and address. I believe they should not only apply our payments that we sent in to our account, but the late fees, the appaiser fees that they threatened to send out and bill us for, and any other fees that they plan to bill us, pain and suffering too(I have cervical dystonia and I can't sleep because of the pain and stress this is causing me and my family) and an attorney on my behalf to fix this screwup, also a letter of apology and that they fixed all that they screwed up.

We called back to see if the information was received and the Rep. on the phone stated that there are no phone in the department from which we sent our information and he was unable to verify if they received our information. After talking to many people day after day we asked to speak to a supervisor (we have documented the names of most of these people and dates). We were told that we could apply over the phone for a repayment plan. This plan would mean that we paid twice what we owed by the time it was over. We had no other choice at that time and took the plan. It was a yearlong. See, my father is terminally ill and we explained that to the company. I feel that they felt like this would be a great time to take advantage of a person and they were right and did.

At the end of this agreement, we called and asked could we pay 3 days late on the payment. We were told yes. When we attempted to call 3 days later to pay we were told that our repayment plan was cancelled and we had to pay the full amount or we could fall into foreclosure. When asked what the balance of what we owed was they gave us an amount that was 3 times the amount we owed. I asked what happened to all the money we had already paid and they laughed and said oh yea you do have money in reserve that we can apply. We paid all but the late fees from which they stated were not calculated in the repayment agreement. Although we have paid this large amount we are still getting letters that we are behind in our payments. They did not apply the money in reserve to our account. We have called and called. We are now being told that it is under review. I am planning on reporting this to HUD, but I also hope that as a group some law firm is looking at this so that a class action suite can be filed on this company.

From August until November I called Citimortgage a half a dozen times and each time was given a different excuse for the problem and was told that our account would be flagged, meaning that our account would be looked into. Each time we would also be told to wait a month for the problem to be corrected, which of course it never was. Thus in November our mortgage increased. Finally I wentdown to city hall to discover the problem. Not only had Citimortgage overpaid the taxes, but the excess taxes had been refunded to Citimortgage! So why were we still paying an inflated payment each month when there should be no more underage?

I have contacted Citimortgage in total over a dozen times both by phone and certified letter. Each time no one seems to know whats going on, I receive no useful answers, and I am told to just keep waiting for things to work themselves out. To this day we are still paying the inflated mortgage payment. Also since we bought with 100% financing, and our house has not increased substantially in value in one years time, we cannot refinance with anyone else. We're stuck paying whatever Citimortgage says we need to pay or else forfeit our house.

The emotional toll has been devastating. I feel we were taken advantage of. When we signed the papers, we were told our payment was going to be $1280.00 per month, and that since we have a fixed rate mortgage, we were assured that the only thing that would change our mortgage payment would be if taxes increased (or of course we changed to a new homeowners insurance). Since the payment has gone up so much, we cannot afford it. The only reason we have not yet gone into debt is because we have a very small savings which is dwindling more and more each month. When it's gone, which will be soon, I don't know what we are going to do. There is no where we can turn and no help in sight. We're at the whim of Citimortgage.

they bought my account from maine street bank and it been nothing but trouble. i was not late and i did not want the services. i have the invoice proving i sent the correct amount i have the bank statement proveing it cleared on time i sent them copys of all this and now 3 months later i am still going round with them on it

iam at the end of my rope and i want to file harassment and incopetence charges i dont know what this may have done to my credit rateing my nerves are on edge blood pressure is up. i dont think i have been late on a mortgage payment in over 30 years if ever. iam tired of talking to someone who cant speak english or understand i am also going to contact the goverment on this.

still my Mortgage is behind. so I decided to pay them by check that does not work they have ran the same check on my account twice this took place in June of 2008 once on June 4 and on June 10. Since Citifiniacial has took over they have had my account where it shows that I am past due. My principal is not going down they way it looks I will never pay for my home. I am not behind on my Mortgage I always pay my bills ahead of time plus I have the documentation to show that I am not behind Citifiniacail still refuse to acknowledge the documentation. It has been times when I sent payments by checks and it would take over a month for them to clear my accounts.

today I am fed up I have to yet choose another way to make my mortgage payments Citifiniacial due to their poor business habits. I will no longer mail checks from my checking account to pay my mortgage due to the fact that they are running the same check twice in which they're receiving two payments at once. I will have to spend out more money to purchase cashier check from my bank and pay to certify it with a return receipt. Which is a great inconveniece to me I am 65 years old I should'nt have to go through these kinds of problems that citifiniacial is imposing on me

I have to worry day and night about losing my house I am sick and old I need some relief before I die. Citifiniacial is inflicting me with intentional emotional distress.

I wrote a long letter explaining the situation as well as provided copies of the first check, front and back, that was lost and since by now I had made another payment that had cleared my bank, I also provided a copy of that one, front and back. Both of these checks have very clear Citifinancial endorsements on the backs. I faxed all of this documentation in to the research department 8 days in a row. I would inundate them with information and surely out of all of those 10 faxes that I sent in, at least ONE of them would arrive on the desk of someone that would be willing to DO THEIR JOB.

But no, they still have not credited my account for the missing payment, even after proving numerous times that it was, and I have a negative comment on my credit report. I have invested hours and hours in phone calls, faxes, letter writing, etc., all to no avail. I am starting to believe that this is a fraudulent scam that Citifinancial is running.

At this point my only option is to hire a lawyer to get this mess resolved. This will end up costing me more than if I just gave in and made the double payment.

We now have a 60 day past due mark on our credit when we could have had one 30 and one 15 day.

Recently I was able to set up a payment arrangment which would allow me to catch up on my mortgage. I called in April to set this up only to have the contract I needed to sign sent off to my soon to be ex husband (who was not awarded the house through the divorce). Citi Mortgage however refused to send me this information instead of him because his name appeared first on the loan. By not recieving this letter, my agreement was canceled and I had to start over. I then called May 15th to setup a new agreement and pay the initial payment required. This payment of $968.05 was to be taken out of two seperate checking accounts to equal the total amount. I was also assured that the information about the accounts would not be stored or given out. The one account used was a friend's who spoke with them and they also guaranteed him it would not be given out.

On the 16th of May, Citi Mortgage took the money ($118.05 plus a $20.00 check fee) out of my friends account but not mine. By the end of the month they still hadnt taken the money ($850 plus another $20 cehck fee) so I called back. In the meantime however, Citi Mortgage sent a letter acknowledging the payment to my ex with my friends full name and bank account number and information! (A violation of his own privacy not to mention we were talked into paying over the phone by the guarantee it would not be saved).

When I called back at the end of May about my account, they said my check had been returned but could not tell me why. I then verified with the bank that the money was still there and Citi Mortgage had not attempted to take it. On May 28th, 2008 I was told by a representative I would have to make another payment that day to cover the $870.00 they hadnt taken out of my account and that I had accrued more late fees because I had not paid them. The representative said he was canceling the first check for $870.00 and we would start over. I made another payment of $870.00 over the phone and was told if it did not clear by the 1st I would have to call back again.

The check once again didn't clear by the 1st and I called back. I was told again that I had to cancel this check and make another payment. The representative once again assured me that this 2nd check would be canceled and I would not have to worry about it. I made a 3rd payment on June 02 for $870.00. On June 3rd, 2008 the 2nd check for $870.00 cleared my account (the check that was supposedly canceled). On June 4th, 2008 the 3rd check for $870 attempted to clear my account and was returned due to insufficient funds leaving me with more fees. I have attempted to fix this over and over again with Citi Mortgage with no luck. I called on June 9th about both payments only to find out neither was actually put towards the money I owed. The $870.00 was placed in an unapplied funds file and until my account is caught up...it will not be applied to my account. Because of this Citi Mortgage requested another payment. After just taking all the money I had left and then causing my bank account to go negative, where would I have more money? I then had to setup another payment arrangment, update the address again, and make a payment of $500.00 to come out on June 28th 2008. They told me they would not reverse any fees, and that they were going to leave the $870.00 in the unapplied funds. This money is money that I paid to pay my mortgage, not sit in the account unused. I asked if it would be possible to have my next payment due in July because of this error so I had time to come up with more (I hadn't figured in them taking a whole payment and not applying it) and they said no. I have to pay $500.00 this month still, and starting in July I have to make payments of $1,499.64. I tried to explain the the representative why I no longer wanted to call in my payments and was told I had to for it to count.

They informed me they will continue giving any information to my ex that he asks for including my new address, bank information and account numbers, phone numbers, and names of anyone else who also pays a payment. After arguing with the representative why this seems unjust, I asked to speak to a supervisor and argued some more. He told me that my ex was also on the account and that was all they cared about. Before I could even finish, the supervisor hung up! How many times should you be hung up on by the company you are sending money too? I spent over and hour on June 9th alone trying to resolve this and the only thing accomplished was updating the address again and writing another check to Citi Mortgage. They however refused to cancel the check on there end and refused to take off fees.

I am sick of dealing with a company that will find every way to charge you with more fees for no reason. They hold payments, they apparently can't train the employees to all know what is company policy, and they deffinately lie. I am sick of hearing one thing then calling back only to hear another story, and I am deffinately tired of being hung up on. I would never recommend them to anyone!

I have to pay $25.00 to my bank to cancel one check they said they would void. I have a $25.00 fee for my account going negative due to there error. My friend has to close his bank account because they gave out his personal information. My friend and I both are now being harrassed by my ex due to Citi Mortgage giving him all of our personal information and where to find either of us. I waste all of my phone minutes on hold and hung up on ending with huge fees at the end of the month.

I have accrued more late fees and penalties (however Citi Mortgage is yet to give me the dollar amount after being asked several times). I also have to pay a $20.00 check fee every time I pay over the phone yet Citi Mortgage refuses to let me pay any other way. My account is falling farther into delinquincy every month due to there errors and pretty soon I may face forclosure. I have my house rented out and a forclosure would leave me at fault for that family to be homeless and leave me liable for a lawsuit.

The new trouble has been on going. CitiMortgage has violated the payment agreement in my mortgage contract. My contract states payment is expected on the first, then after 15 days late fees can be applied. I have never been late, nor have I missed a payment. None of my payments have ever gone past the 15 days. Yet Citimortgage will add late fees. They are sending out notices way before my due date telling even before it is time for payment I am late and tacking on the late fee.

CitiMortgage has reported me late to credit companies and this damaged my credit. Now they are telling me I am in default. I have not ever been late nor am I missing any of the payments.

Okay, fast forward to now. I signed up for the supplemental insurance for my dishwasher, clothes washer, hot water heater. CitiMortgage said they were raising my mort. to handle my home owner's insurance. They are so stupid, they cannot determine supplemental insurance from home owner's insurance. The ad I responded to was sent to me from CitiMortgage and if I wanted it, only $29.95 would be added to my payments. I am also on the biweekly program to pay off my house in around 5years. I called to tell them they not only had the taxes messed up but the insurance as well.

They sent me another letter with a different tax amount of .01 cent and said my mortgage was going up to cover the homeowners insurance. i told them again for the seventh time my insurance was covered by State Farm since march 2008. It has never lapsed.

I now have all of my paperwork ready to send to the Office of the Nebraska State Attorney General's Office if citimortgage refuses to correct their records.

They are so arrogant, they will not look at the records. I know they have the supplemental insurance confused with my home owner's insurance. I canceled the supplemental insurance and have confirmation by the mortgage company of that cancellation. They are lost in my tax information and refuse to investigate it. They just send one letter with the same info, over and over.

I have to put more money toward my payment every month and won't get the money back until they refund me. This has put a huge strain on my budget. At the same time, this is a free loan from me to Citimortgage.

However, in September of 2007 ABN combined with Citimortgage. Citimortgage has marked my account on my credit report as derogatory-included in bankruptcy. They show that I have 0 balance due and are not reporting my payments. I have called them and filed disputes with all 3 credit reporting agencies with no help.

I was promised the money would be back in my account not later than 18 May and that Citimortgage would ensure overdraft fees from my bank would be covered by them. 18 may came and went and no funds were returned and no one from Citimortgage contacted me. I called back to customer service and talked to a senior account rep who then told me I had to supply a statement of what occurred in writing including fees that my bank was charging me. I faxed this right away to them which they acknowledged in writing by email. I was then told it would be 3 more days before I would recieve my funds back. I told them this was unnacceptable because I had other bills to pay and the overdraws on my accounts was generating hundreds of dollars of fees from my bank.

I was then told I had to prove that Citimortgage actually took the money from my account and that it cleared. They already knew this as they themselves had already applied the extra money they took to my following months bill. Despite this I went ahead and furnished them a copy of my bank statement which they acknowledged receiving. I then spoke to customer service yet again this time a supervisor in the United States. This time I was told that I would have my funds back within 7 hrs of review of the information That didnt happen. I called back again. This time I was told I would have funds by Thursday by return to my account or an overnight check in the mail. I told the supervisor if paying me back by check a leer would need to accompany the check so my bank would return all the overdraft fees.

The supervisor fought me tooth and nail over this refusing to conceede any wrong doing by Citimortgage and that they could not furnish the facts of the situation to my bank. The supervisor took my phone numbers and promised to call me with the exact data as to which method of return of funds would be used within 24 hours. This call never came and the funds have still not been returned and there has been no further communication Citimortgage. I had to use my State tax return to get funding into my account to head off any further fees. This income was earmarked to pay off a different loan that is now on wait and causing problems there.

Citibank [took] 2660.00 from my checking account without authorization. This overdrew my account by about 1400.00 and wiped out all my funds to pay my other bills with and generated 3-400.00 in banking fees. I have had to curtail all my doings as I dont even have gas money or food money to feed my family as Citimortgage took everything. I have had my flawless credit threatened by this situation as some items have been returned by my bank for non-sufficient funds. Which ones I dont know yet. I have been totally stressed out as I have not been able topay my other bills. I have had to spend countless hours on the phone trying handle this not only with Citimortgage but with my bank as well. Its been very frustrating! It has thrown off my entire bill paying schedule putting me as risk with all my creditors and left me jumping through hoops with all of them.

In February we got a bill from Citi Mortgage for the next payment. This bill noted that not all of the payment was applied to the principal, and that a portion of the payment was applied to the escrow. This bill showed an amount due to the principal of $586.68; interest of $3.00 and escrow of $531.86. After receiving this bill I went to a Citi Bank branch on my lunch hour & talked to a bank officer. He was unable to help, but called the 800# for me. I talked to Jessie and was unable to get a satisfactory resolution. He told me that the local branch should not have accepted my payment.

The person my wife talked to should have sent us written instructions for the final payoff. Citi Bank & Citi Mortgage are two different companies and a payment to Citi Bank does not equate to a payment to Citi Mortgage (the receipt that I received when I made the payment in January confirmed that it was received by Citi Mortgage). He then did agree to apply the funds that went to escrow to the mortgage and went on to detail the additional charges which included a $16.00 late fee and addtional interest. This late fee & interest was applied despite my protestation that they had the money.

My monetary loss was not huge, but when you consider the thousands of mortgages it is probably quite significant source of revenue for Citi Mortgage/Citi Bank. They charged me a late fee despite the fact that they had sufficient funds to totally pay off the principal. They charged me $3.00 additional interest on the principal from the first of February to the 12th. That amount seems to be very excessive considering the $531.85 principal amount. By delaying the final payoff a month they were able to keep my escrow for an additional 30 days.

10 days later, i call and cancel the process, deciding to deal with someone closer, in state. 30 days later they call me and want to know when i will be returning the loan docs. i informed them that i had cancelled 30 days prior. their response was to send me a letter of rejection. informing me that i did not have enough collateral.

this letter of rejection was unfair. they only did this to mess up our credit score. retaliation from someone as large as citibank should be illegal.

Had to pay an arbitrary amount to Citi for closing costs 1+ year after funding Home Eq loan. Will be suing to recover in small claims.

We are tired of everyday phone and mail harassment. We are planning to refinance with a local bank. All paperwork is done by this bank and now city bank is asking prepayment penalty (We were told there will be no prepayment penalty) and the late fee for the payment delivered to them on time, but they failed to post.

On April 30, 2008, I called Citi Mortgage again to verify their reasoning for my monthly payment going up. They told me again that it was because of my taxes going up and my insurance raising. They told me that they have assessed the up coming years taxes and that they had to make sure that they were covered. I called Franklin County Treasures Office and spoke with Ron and Shirley to find out what was going on. I explained to them what Citi Mortgage had told me and they said that I was about the 40th person that has called them today about the same situation. They broke down what my taxes were for last year and how much that I have already paid for this year. They also told me what was due for the next six month. It is the same amount that I paid at the beginning of the year. They told me that they have not raised my taxes and that they cant understand where Citi Mortgage is getting their information. I asked if they would fax over a copy of my taxes to Citi Mortgage to let them know and Ron said no problem.

I called my insurance agent, Ann Less, to verify if my insurance has gone up and was told that it has not. I was told that it has not changed since they started it. She said that I was the third person that has called upset about this situation. I explained to her what was going and she told me that if I needed her to fax anything to them to let her know. I thanked her and called Citi Mortgage back and spoke with an Alberto or Roberto.

I told him that I spoke with both Franklin County Treasurers Office and Grange Insurance about the increases and they both assured me that nothing has been raised. I asked him where they got their figures from. After going back and forth with them about this, I was told that they predicted the next years assessment and that they made the adjustments accordingly. I told them that they cant do that without the correct figures FROM the city. Thats illegally charging me and falsifying information. He then asked me what fax number was I given to fax my information and I told him. He verified that was the correct fax number and said that he would check to see if the fax was received. He asked me to give him a call Monday to find out what was going to be done.

I called May 5, 2008 and spoke with a representative; I couldnt make out his name, to find out if the fax that was sent to them May 1, 2008 from Franklin County Treasurers Office and was told it was not received. I told him that I faxed another report over to them this morning with a letter attached and he said that they wouldnt document anything for 3 days. I told him that I waited 3 days to contact them back and asked after the next 3 days are they going to tell me that they didnt receive this fax either?

I asked to speak to a supervisor and he connected me to Stephanie. I explained what was going on and she basically told me the same thing that the others told me that they make assessments depending on the economy. I told her that they cant do that without having actual documentation. I told her that they were making an assumption and charging customers without accurate figures. In other words they are charging customers for something that hasnt happened and is not true. She argued that that wasnt the case and I ended the phone call.

Right now, I can't make that payment. My monthly payment jumped from $1170 to $1432 and I can continue to pay this. I am going to loose my house if I don't get some help. I just got my credit back and this is REALLY going to screw me up. I need help!!!

I then called citymortgage again and told them what my taxs are for the year and i want my payment to reflect the increase of 1.023% and not there charge of 04% and was pretty much told to get f ed. I told the representative that i refuse to make a payment that is more than my current payment and until they lower my payment back to what it was i will not be paying them.

Finally after two weeks, I received paperwork in the mail, which shows my escrow payments made over the last 2 years, but NOTHING as to why the payments increased for those 2 particular months. Since my payments are in dispute, I gave written instructions on how to apply my payments, however, Citimortgage took it upon themselves to apply my payments to apply part of my payments towards late charges and put the rest in an unapplied funds account.?

Finally, on 4/28/08 I talked to a supervisor, someone I thought who knew what he was talking about. I finally got an explanation that the extra escrow funds were for some optional insurance. What optional insurance?? I asked. Show me something in writing that I signed and Ill pay the extra money. But you cant because I never signed anything.? The supervisor put me on hold, came back and said he had talked to the escrow department and it was their mistake and I only owed the $1,190.05 for February and March. The insurance had been taken off my account. I asked him to send me something in writing stating such and, of course, he said there was nothing they could provide.

After I asked him AGAIN about owing only the $1,190.05 and he agreed, I then authorized him to take $1,190.05 ONLY of the unapplied funds to be applied towards the February payment. I was not going to pay a late charge, nor the extra $42.09. He stated I did not have to. He even gave me a case number which states exactly what was talked about. Of course, I thought everything was straight, so I viewed my history and Citimortgage applied $1,280.94 of the unapplied funds ($1,232.14 which is the wrong payment, plus a late charge of $48.80). I have called 20 times since 4/29/08 and I am still getting the same run around. NO ONE AT CITIMORTGAGE SEEMS TO KNOW ANYTHING.

Each time I have to go through the whole story to get connected to a supervisor and when I finally get to one Im either put on hold and/or disconnected. This type of customer service is VERY unsatisfactory from a mortgage company. As a result of all this Citimortgage is claiming I'm two months behind in my mortgage payment and has ruined my credit.

I am seeking reimbursement for the overpayment charged for February and March, in the amount of $84.18, plus refund/reimbursement for late charges in the amount of 619.30 for a total amount of $703.48, plus restoration of my credit to good standing.

I then disolved the dispute with my bank and they in turn refunded citi the disputed amount. I then found out due to collection phone calls that citi never posted the refunded amount from the dispute to my account. I then contacted my bank and sent them the ACH tracking number so they could credit it to my account. They were given the ACH # and my personal bank statements on the 25 of March so they could send it to there research department. I have since been in contact with three people Jona, her supervisor Dihn, and now his supervisor Nancy Fuentez.

All of the above stated will not awnser the phone when I call nor will they return messages left for them (example I left Nancy three messages yesterday and two already today. Meanwhile I am receiving collection phone calls at home and at work! I'm receiving collection notices in the mail. And they have reported to the credit buros three seperate 30 days late. I'm running out of options to resolve this situation since they will no longer comunicate with me PLEASE HELP. Thank You.

As stated above 1. Continued harsaaing collection phone calls to work and home. 2. Collection letters. 3.Credit has been severitl damaged! 4. They have 1 full mortgage payment that is out of my account and the will not credit it to my mortgage.

Damage to my credit and reputation and they state they intent to foreclose on property if not paid by 4/30/08.

My husband became severely injured 6 years ago and then diagnosed with a serious heart condition. This put him out of work. Because his injury was on the job, we had to wait for workers comp to kick in. At that time, I was in my last semester of college and had just given birth to our second child. I was on an unpain maternity leave. We had literally no income. When I tried to explain to my mortgage company they said they needed full payment. They did not offer me any solutions or advise me on loss mitigation. About 8 months later we filed a chapter 13 to save the house. At the confirmation hearing our mortgage company said we owed them almost 2x as much of the arrearage, but I was naive and didn't object because I just wanted it over. After paying into the plan for about 6 months we began receiving notices that we were behind on our payments again and foreclosure proceeding were going to resume.

Our lawyer advised us to do a conditional order in which we agreed to pay $1700 on top of our mortgage payment in order to stop the proceedings. He said we could furnish proof of payments and request reimbursement later. That's exactly what we did. We provide proof of all our payments but never received a reimbursment. Instead, we started to receive foreclosure notices again. THis time, they actually scheduled a sale. We were forced to dismiss our current 13 and refile. This time the mortgage company said we owed them nearly $10,000 in fees on top of the arrearage. I asked our lawyer to file an objection and a court date was set.

The mortgage company said they would agree to a loan modification at a lower interest rate if we cancelled the court date. We reluctantly agreed just so we could get rid of the headache. We filled out the paperwork and then were told we needed a $12,000 down payment towards the fees we owed in order to approve the loan modification. This is something we could not afford. Before we new it the new plan was confirmed (I partly blame our lawyer for this). I requested an account audit and breakdown of fees several times and never received one. I filed complaints with the OCC, the ABA, the attorney general, the BBB, the local senator and never got anywhere. I did however finally receive an account audit but was told that due to privacy laws I was not entitled to a breakdown of attorney fees. I noticed in the account audit that when I made my payments they were put in a holding account. I was then charged a late fee before they applied the payment at a later date. I was also charged numerous monthly inspection fees.

I finally, after years of battling, got a statement regarding fees I have been charged, but they are not broken down well. Here they are: bankruptcy fees:$400, $750, $100 attorney fee:$75 Foreclosure fees:$125, $875, $1900 Foreclosure costs:$ 1415, $335, $155, $85, $50, $480, $500, $350 Inspection Fees:$458.30$89.70 How can they do this? I have contacted my attorneys about this but they want money that I don't have. I've paid them over $3000 already. I really don't think they want to take this on either. Please tell me there is something you can do to help! Maybe you know of a lawyer in my area who would want to take something like this on. I would love to sue them for the distress and anguish they have caused me. I look forward to hearing from you.

My husband is very ill with a bad heart and neurological condition. He has had numerous appts and surgical procedures. We have 4 young children as well. Instead of spending my spare time taking care of their needs, I have to deal with this mess. Phone cal after phone call, complaint after complaint. We can't even get our credit back on track until this is resolved. We are living in a 2 bedroom trailor that is falling apart and we can't afford the repairs or have the opportunity to take out a home equity loan because of all of this. I have had to start taking antidepressants because I am so overwhelmed with worry and grief over this situation. We no longer have the financial freedom we could have.

I spoke with a representative named Gary who informed me that if we stayed with Citimortgage we could modify our loan and lower our monthly payments without having to pay closing costs. He recommended I sign up for the Rate Watch program, and when the interest rate fell to a more favorable level than our current one, we could call the Streamline Direct number at 800-372-1799 and they would help us modify our loan. Because of this information, we decided we would stay with Citimortgage and wait until the rates were favorable and then call to modify our loan instead of doing a refinance with another lender. We checked our Rate Watch information daily and waited for the rates to fall.

Unfortunately, when the rates fell to 5.875 for a 30-year loan and we called the Streamline Direct program, they informed us that the program was temporarily discontinued. The representative could not give me any information on if or when the program would be reinstated and transferred me over to the Refinance Department where I spoke with an extremely rude rep who essentially ended up hanging up the phone on me. I called the 800 service number the following week and spoke to someone else who informed me that we could indeed qualify for a modification and gave me the number for the Modification Department. Unfortunately, when I called the number, their office had already closed for the day. When I called back a few days later, the representative who answered the phone for the Modification Department said that they were no longer doing loan modifications and even if they were, we DIDN'T qualify - WHAT? We have a PERFECT payment history with Citi on both our first mortgage and our home equity line - who does QUALIFY if we don't?

So that is our story as it has played out over the past few months. We are so frustrated by excessive amount of time we have had to waste on hold, only to speak to rude and/or unintelligible service reps who can't provide a consistent answer or any resolution. I believe the practices of Citimortgage and its representatives since February of 2008 were not only misleading, but UNLAWFUL. No matter how big you are, you cannot make promises to people and then not deliver - especially when it comes to financial dealings that can have such a major impact on a family. Avoid these guys at all costs...you will never get a straight answer.

At this point we can make our monthly mortgage payments, but it is getting increasingly difficult with our rising heating costs, transportation costs, grocery bills, and so on. We turned down other offers that would have lowered our monthly payments significantly because of misinformation given to us by CitiMortgage representatives. This has caused us financial hardship due to the fact that we are still scraping by to stay current on our payments rather than having the several hundred dollars+ of relief that we could have gotten had we refinanced with another mortgage company - which we would have done if CitiMortgage would not have misleadingly told us that they would give us the same deal without having to pay closing costs.

For several months this went on and finally it was rectified... Then low and behold they messed up my account AGAIN! I sent my payment in as normal with the correct written on the check and some one that does accoutns receivable took the check to be 100.00 less than the amount I owed as well as the ehck was written! These guys called me 10 days after my payment was due and told me I was in arrears! I educated whoever and told them the I am looking at a copy of the check and it is the correct amount as plain as the nose on your face! I called my bank who's account holds my money and they offered to correct the check amount and sent Citi the 100! However this NEVER posted. I had a 100 floating in limbo and did not know where it went..

After a week I called them and told them to take an additional 100 to get this fixed... they literally told me I had to call back to get the original check payment and the extra 100 applied to my mortgage payment... I called and thought this was finally taken care of! After several days collections called me back and told me I was in default! I have never been so mad in my life I spent hours on the phone with these guys and everytime they said it was taken care of and not one time had it been fixed.

Until I finally just literally exploded... this was on the 26th the customer service agent literally said that it may take until the first of the next month to get fixed! This is totally out of control! After resolving this I no sooner hung up and collections literally called the moment I hung up to tell me I was in arrears... I have never been so humiliated.. I paid this payment to begin with if there was an issue with the amount of the check based on the supposedly unlegible handwriting why can't the just call first then put the PAYING customer through hell!

This cause serious mental anguish.. when you know you are right and these guys totally ignore their wrong statements on the customer.

This literally took months to fix.. I would send it my correct amount and rather than apply the money I sent they would put the payment sent in unapplied cash! For several months this went on and finally it was rectified... Then low and behold they messed up my account AGAIN! I sent my payment in as normal with the correct written on the check and some one that does accoutns receivable took the check to be 100.00 less than the amount I owed as well as the ehck was written! These guys called me 10 days after my payment was due and told me I was in arrears! I educated whoever and told them the I am looking at a copy of the check and it is the correct amount as plain as the nose on your face! I called my bank who's account holds my money and they offered to correct the check amount and sent Citi the 100! However this NEVER posted.

I had a 100 floating in limbo and did not know where it went.. after a week I called them and told them to take an additional 100 to get this fixed... they literally told me I had to call back to get the original check payment and the extra 100 applied to my mortgage payment... I called and thought this was finally taken care of! After several days collections called me back and told me I was in default! I have never been so mad in my life I spent hours on the phone with these guys and everytime they said it was taken care of and not one time had it been fixed. Until I finally just literally exploded... this was on the 26th the customer service agent literally said that it may take until the first of the next month to get fixed! This is totally out of control!

After resolving this I no sooner hung up and collections literally called the moment I hung up to tell me I was in arrears... I have never been so humiliated.. I paid this payment to begin with if there was an issue with the amount of the check based on the supposedly unlegible handwriting why can't the just call first then put the PAYING customer through hell! These people get off on such eroneous false moves on their customer!

This cause serious mental anguish.. when you know you are right and these guys totally ignore their wrong statements on the customer.

Today 4/25/08 received another escrow analises with a refund check for over paid escrow and another higher payment amount. I don't understand how someone can get a refund when thier payment amount goe's up. So I got back on the phone and asked to speake with a suppervisor right away. She stated that they normally review thier escrow account in April and that since I was with ABNA AMBRO tha they did thiers in February and there must have been a mix up and someone did mine again by mistake. I said ok all I want is for the amount of the check they sent me to go back on my escrow and lower my payment. I she said I would have to send them anouther check, I said no I should not have to fix thier mistakes for them. I said that I would void the check and that I wanted it posted back to my account she said that she would send an email to thier escrow dept. and gave me my new payment amount. I asked how I would know that this time it was done right she said it would be ok now but Iinsisted that i receive a call letting me know.

Two hours later I got a message on my answering machine that They were unable to void the check and to call if I had any questions. I did call back I asked to speak to who was in charge of escrow An acount manager picked up and told me the only way I can fix this is to fax a letter to thier escrow dept. and send anouther checkafter a long conversation about customer service (which I hope was recorded) I found out that there is no one ther in charge that the account manager's boss was not there and Basicly her word was the law, because there are no names email address's or phone nubers for any one who is actualy in charge and can make a decision or get the problem resolved.

I would just like to know what one person is to do to fix these problems and who is watching over these companies as they continue to make mistake after mistake and leave it to the customer to find or fix the problem. This really tears me up. Also i filed Chapter 7 three years ago and was not properly informed on reaffirmation of my mortgage. I was never asked to reafirm by abna ambro because I did't include the housse in my bankruptcy. They reported my credit to the credit agancey's. Since Citi got my loan every statment mentions this is for information purposes only since the account may or may not have been in banckruptcy. They also don't report my credit. How can 1 company do differetly than the other if they are both governed by the same law's.

I'm pulling my hair out. I can't afford to refinace to get away from this company that bought my mortgage.

I have been so stressed I am now pregnant and on bedrest and have decided to move. The headaches and late nights of tossing and turning and not being able to sleep all the harassing phone calls I just cant take it anymore.

I will probably have this foreclosure on my credit report, even though I've tried to provide the company with a workable solution.

Today, April 12, 2008 I received a call from a gentlemen in charge of Safeguard. If your not familiar with them, they are the company hired by Citimortgage to come clean and rummage thru your residence when you are behind on a payment. Their charge is anywhere between $1,000.00 and 3,000.00 for services which is billed to your account.

Anyway, he called to let us know that he was contacted to go to my property and clean it up inside and outside. They are really not supposed to call you, but after he inspected it he found no reason to clean it so he called us. Good thing. I contacted the mortgage company to see what was going on because we had an agreement about the payments and the lady on the line said not to worry about Safeguard because they did not contact him. Don't worry...I think $1,000.00 is reason enough to worry. They state they have a right to go into my residence anytime they see fit, even if I live there, because I have a FHA loan.

She then stated that this is an Escalated Case of Missing or Misapplied funds to another loan and assigned a case # and instructions for me to check on the status at a later time. She also informed me that the principal payments that I have made from Jan-March and up until the time it takes to clear this would be back dated and reapplied and that this case had to be resolved within 7 days. That seventh day would have been 4/1/08 and as of 4/10/08 this is still unresolved. At this time I am wondering if CitiMortgage has already violated RESPA Section 6.

On 3/28/08 they sent a letter to my home address asking me for a copy of my cancelled check when in fact they need a copy of Wells Fargo's cancelled check; front and back. I have had the worst customer service from them and you cannot deal directly with one person, meaning each phone call, and there have been many, involves explaining over and over again to a new person. I need some help with resolving this and filing a complaint against them.

I have spent approximately 6 hours on the phone trying to resolve this thus far. I am not quite sure how to verify that our principal only payment made each month will be properly applied. This has caused me much unnecessary anguish and we have been treated as if we have done something wrong when in fact we are the victims. Our PITI and principal only payment has been applied to another person's loan and they treat us as if the burden of proof is on us even though Wells Fargo has their canelled check that Citi cashed! This manner of business needs to be stopped.

This has ruined my marriage for me, has caused a divorced and a hardship on my entire family of what used to be a family of three, but now it's just me. My ex wife and my son now live in the property and I still pay for the place. The stress of it is so tremendous, and this bank still up to this day is pulling the same stunts on me. From all of the stress this has caused a great failure in my health and financial standing also.

I called back on January 23rd. The lady I spoke with said it is still in the process and to call back in a month. I called back that same day and asked to speak with a supervisor or manager. Got put on hold at 10:50 a.m., listening to a lady talk about services offered, for about 7 minutes. Then the phone went dead. I called back at 11:25 a.m. and it said all our representatives are busy and the wait would be 4 to 5 minutes. No one ever answered. Called back on February 5th, 2008. At 10:07 a.m. the automated lady said the wait would be approximately 4 to 5 minutes. After 35 minutes of waiting I hung up.

Called back the same day at 3:27 p.m. Jordan in Dallas answered. He said it will all be done February 24th. Called back February 29th. The rep. said it is being worked on and to call back in a week. Called back March 10th, 2008. Rep. transferred me to a manager. She said she e-mailed the partial release department to ask why it is taking so long and they are to contact me. She said if I don't hear from them I should call back in a week. Guess what? Nobody called me.

I called back on March 18th, 2008 at 9:45 a.m. Ronnie answered and placed on hold for 7 minutes. He transferred me to a number which he said was the Partial Release Dept. The call was answered by an automated lady that said to call another number. I called that number and Beverly Dickenson's answering machine picked up and said she no longer deals with Partial Releases and to call a different number. I called that number and got an answering machine to leave name, number and account number and they will get back to me within 72 hours. I did so with a brief description of my problem. It is now Monday March 24th, 2008. 144 hours have passed and they have not returned my call. They cashed my non-refundable check a long time ago. It has been 5 months since I sent them the documents with no answer.

My neighbors want to get this done so they can build a garage. They paid for the survey. We wanted to put an offer in on another house but it is too late now. Thank you.

Then they don't get 3rd payment (automatically and our bank showing they did get it) so another late charge which we find out they never fixed the original problem. We owe $3-4000 and they ruined my credit report. So we go back and forth again resulting in us paying all back monies owed about 3/6/2008. Then on 3/23/2008 they tell us they are going up $400+ on our fixed monthly payment. They want 2 months in advance plus doubling our taxes in escrow. We need help from a lawyer.

We set up a 30 yr fixed 6.5% loan to buy our dream house in FL with payments of $1891 monthly is all we can pay and keep the house. Total @$2450 monthly with escrow. We've had to pay penalties, late fees, (not our mistake) forced to take their house ins at $2800 a year when we had $988 already paid in advance (they didn't know about because abn didn't tell them they are the same company). Now our payments will be $2898.80 starting 4/01/08. I think this is illegal but I have to pay or lose our house.

That loan was always there on his credit report since long before he started the mortgage process and is not in default or anything like that. So now he has no mortgage and has until the end of the week to come up with a new mortgage or he will loose his $20K deposit which is all the money he had saved up for the house. Can he sue Citi for causing him this loss?



The only way I have been able to even contact them, and this I let the general public know, is a formal letter sent to their fax line. The times I do actually talk to a customer service rep, they at least tell me that my letter was received and documented on my account. I currently work full time for another mortgage company where our performance is based on customer satisfaction, and rated on calls and time. I sure would like to know which survey company they use so I can tell them a few things about their company. Since my ordeal I have had several contacts from different locations of citi mortgage, from Des Moise, Iowa, to Las Vegas, Nevada, to Fort Sills, South Carolina, all telling me different things. So good luck to those consumers that have their mortgage with citi mortgage, I sympathize.

No damage as of yet, unless they contact me, or now I guess the next step would be foreclosure, but I have made every attempt to send them the money, but they keep sending it back to me.

Since then I have called religiously every two weeks trying to get this resolved. Every time I call I'm told they can not provide any info as it takes 3 weeks to research the matter. I have also filed a claim through their website twice. I get a confirmation number but no copy of what my claim says. I also mailed them a package with details of the my calls, copies of closing papers, copies of the duplicates, it's 3 months later and nothing.

I called my county tax office and they acknowledged receipt of the duplicate payment and advised that a refund check was sent back to CitiMortgage two months ago.

We did not intend to be in the hospital for very long and did not take our bills with us when we left. When I realized that our house payment was due I called the customer service number, got our account number and the mailing address. I was assured that there would be no problem with the payment, and if a late fee did accrue I could have it waived.

I mailed the payment and assumed all was well, until I came home recently and saw a letter from CitiMortgage saying that the payment never arrived. I called the bank and verified that the check had not cleared. Yesterday made my Feb payment via check-by-phone. I was again assured that as soon as the check cleared I could call back and the late fee would be waived.

Today I was told that in order to waive the fee my husband would have to call himself. I explained repeatedly that he cannot do and even though I am authorized to deal with the account, the company refused to waive the fee until my husband calls.

It boggles my mind that given the circumstances, and the statements that have previously been made to me, a company as large as CitiMortgage is refusing to waive $28.74 in late fees.

They told us the so-called default was all a mistake, and that they were investigating our account. Then, we got a letter from their attorney stating the date and time of foreclosure sale if we did not pay $6,000, including their attorney's fees. AFTER we got the letter from their attorney, we got a letter from them (obviously post-dated) telling us we were delinquent. They have done this to us for the THIRD time now, as we got another letter (obviously NOT mailed by the date on it, as it was two weeks later) saying they were going to accelerate the note due to default by sending it to foreclosure by March 3, 2008. I have receipts of all the cashier's checks sent to them, ALL of which our bank has documentation that they cashed. I also have postal receipts showing when I mailed payments certified mail. They are again trying to DEFRAUD me of $2,904 this time. I have filed complaints with the Federal Trade Commission, and the Missouri Attorney General's office. I was party to a previous lawsuit through the Attorney General's office, which was dismissed. We were told that Citi was unethical, but not illegal to hold payments and attempt to collect late fees in this manner. We were also told that it was irrelevant that we had all documentation that every payment was made.

So far we are into this at $12,000-$20,000 and climbing--plus late fees (which we DID NOT owe), fees for their foreclosure attorney, postal fees for mailing everything certified, extra cost incurred for purchasing cashier's checks each month, money for faxing payment documentation into all three credit bureaus EVERY month, as they falsely report a default on our credit, and a tremendous time commitment. We have called their managers 2-3 times a week, sent numerous faxes of our proof of payment, and now we will likely incur attorney's fees to take them to court for fraud, not to mention the emotional toll it has taken on our family.

The City asked for legit proof, i.e. cancelled check. Samir reported this was not possible. The City suggested I make sure Citi paid the correct parcel #. Samir reported this was not possible. I asked for a supervisor, and remained on hold for 25 minutes. I then spoke with an account representative, Jordan, who stated (after I explained my situation), that there was a note in the tax records stating THE TAXES HAD NOT BEEN PAID. Citi didn't feel it necessary to inform me, and as such I was not savvy to this problem until I got the notice from the City.

My payment every month after taxes comes out to $2824.44, and with a family of 5 (a wife and 3 kids), I can't afford to make such high payments. I am also afraid if I won't pay the taxes, they will report to the credit agencies and ruin my credit. So I am reaching out for help.

No wonder people are losing their homes because of companies like this that aren't even helping us to save our homes that we work VERY, VERY hard to keep. My husband is working 2 jobs to help cover the mortgage, and I can't get an extra job to even help out as we have 2 kids. I am fighting mad, and I want help in getting our loan fixed to help us keep our beautiful house we have worked so very hard for.

We will lose our house if we can't get help from these mortgage companies. We have lost so much money since the real estate market has crashed. I am tired of the red tape in all this mess! I have migraines a couple times a month due to the stress of all this. My husband's and my health is becoming an issue due to all of this stress we are going through.

My good name as a taxpayer is tarnished for no reason, and there is an additional 7% they will have to pay.

Once, CitiMortgage's tax dept. cancelled my claim by saying the "County" did not show the taxes being paid twice. On a second occasion, they said the tax clerk said they would roll the payment into the next period. I sold the building; why would they do that? Each time I call, I get someone who has to read the notes and then I get put on hold for 20 minutes. My case has been escalated many times and continues to sit on someone's desk; I'm sure.

What I really need in my escrow account is about $4,700. I provided them with contact info to verify this. They ARE UNRESPONSIVE WHEN I CALL TO CORRECT THEM, AND CONTINUE TO INSIST THAT I MUST PAY THEM THE ADDITIONAL AMOUNTS!

Their error has risen my monthly mortgage bill from $2188.00 to $3236.64. I cannot and will not send them the extra amount in error. How can I trust that I'll get it back when, God willing, THEY FIGURE OUT THEIR ERRORS? The billing department is starting to call, and I'm awaiting the outcome of an account inquiry by the 31st of this month. I must admit, I'm not optimistic. What should I do?

I've just made an extra payment that I don't think I should have had to make. And, I was charged a late fee that I didn't owe.

Later in December we get a knock at the door stating that the company was putting us through foreclosure for non payment. Since then we had stopped making the payments online and were doing western unions to make the payments to the company for the November and December. Apparently the company still states that we did not pay September-December. We have proof of payments through bank statements and the western union drafts.

Now, because of late payments on my other bills, my credit score plunged. Since that time my mortgage payment has gone up over $60.00 month. This was because my insurance went up. It put my escrow in a negative number. The insurance company said they sent me the new information, but I cannot find where I received it. I called CitiMortgage, again, and explained the situation. I offered to send half the payment now and the other in 2 weeks. They did not accept my offer. I was told we don't do that, we have to have the full payment. I requested they transfer me to the office that handles the Bi-weekly program. I was thinking, due to my situation, they would allow me to start this program. I was told they can't work with my payday schedule. I get paid on the 1st and 16th. She advised me they would only do the 15th and last day of the month. This is not what the website states. I also discussed the hardship request denial. They stated I wasn't eligible because my escrow went into a negative balance because the insurance premium went up. However, I requested the hardship assistance on 9/07 and my insurance premium was effective 11/07. So now I am unable to make my mortgage payment. One payment will leave me with about $200 out of my paycheck to buy gas, groceries, medicine, doctor, and pay bills due. I worked so hard to get my credit and this is the first home I have owned. I am moving to Wisconsin and now I am out of options to purchase a house there. From what I have read, the mortgage companies have plans to assist homeowners with these kinds of problems. Apparently, CitiMortgage doesn't. I don't know what else to do, other than to let it go into foreclosure.

With my previous payment, I am able to make the payments but an extra fee added to it will cause me to lose my house. Please help.

Nobody seems to have a clue what I am talking about...I was told that no escrow analysis is being done and would not be done until my scheduled annual due date. Isn't that convenient? Citi Mortgage can use my money interest free for as long as they want to before refunding the overage and adjusting my monthly payments.

The next month I sent them a check with a payment of $1000.00, and they mailed it back and told me I owed them payments for three months and late fee. So how is Citimortgage getting away with this kind of treatment? I never hear of a bank refusing payment. What are they trying to do, put everybody in foreclosure?

Thanks for listening. I just wanted to add my two cents for the record

The conclusion is that the bank will reissue the check, and now it will take 60-90 days for the process. I am appalled at the remarkably poor customer service I've gotten. For the first 3 phone calls and for 10 weeks, did a single Citimortgage person attempt to proactively solve my problem. Why did I have to initiate an investigation every time, and why was it because of my phone call that Citimortgage realized that the payments to the Maricopa County Treasurer for ALL of Citi's customers in this county was somehow lost? I informed Dustin that I was submitting this complaint AND investigating refinancing.

As of today, 12/3/2007 its been over 10 weeks that a payment of over $1,212 has been owed to us from Citimortgage.

I have lived in for over 15 years with my children; because I am one month past due on my mortgage payment I might lose it. The emotional damage is unbelievable. It used to be that lenders work with you--not flat out against you.