Citi Mortgage Reviews

I am so stressed out that I am losing weight and sleep and I have become very depressed. I have 3 children to raise and I am a single parent. They will take 25% of my gross which is $740.00 a month. This is like a house payment. How will we eat or how will I continue to keep a roof my family's head? I have kept in contact with them even when they make threats. This is the only unsecured debt that I have, and they want to destroy me with it.

I waited a week and then sent an annotated check. I never received the original in that time period. Later, I received a coupon for the payment due on October 1 which I will now use for November. There was no credit for the payment mailed on 9/25 because I waited for the coupon. I have never before mailed a payment that late. Now, I tried to find out the status of my mortgage figuring that by now I should have had it credited even by the slowest of the slow. I filled out their questionnaire with personal info 3 times and they rejected it. I thought maybe it was time that was required but when I tried to get to my account, they had locked the info and would not give me access, the excuse being they rejected as invalid my email address and zip code which were correct and the only email and zip code I have.

They finally got that problem fixed, but they're still over-escrowing my account by about $80/Mo. Now, that may not sound like a lot of money to some of you, but for me, that's huge! I have enough money in my escrow now to pay for all my taxes & insurance, and I still have 2 payments left for the calendar year. When I called them they said it wouldn't be refunded until March 2008.

My gripe is that Citimortgage is going to camp out with my $1,000 for a few months and earn interest while I'm struggling to pay my cable bill. I'd be willing to bet they're over-escrowing lots of other folks too. Add them all up and they're making easy cash.

I'm a single father, and this has had a incredible impact on me and my 2 boys. My budget has been strained all year over this. If I thought I had legal action I'd hit it. I also think mortgage companies should pay consumers interest on escrow overages.

I can never get any factual information from Citi and they always come up with different facts everytime I call them and I never get to speak with the same person more than once or twice.

I am losing the home I love and I have dogs and they enjoy the large yard - why couldn't Citi have just negotiated with me in the first place!

Furthermore, Wayne suggested that I re-fax the documents to a different CitiMortgage fax number, (636) 261-7709, since it was past the normal time frame. I immediately did so. I have copies of confirmation of successful fax transmittal for both. Since this time, I have made countless telephone calls to CitiMortgage, spoken to several representatives and even received bad advice from a supervisor who provided a telephone number to the "unit handling my account". When I called the telephone number, I was advised that I was misinformed and the representative provided yet another telephone number. I have made so many telephone calls to so many different telephone numbers, expressed my concerns - yet I have not received any assistance.

The last attempt was today, when I spoke to Jai, Citimortgage representative at 1-800-283-7918, I asked for an address to mail a formal complaint inter- and outer-agency. He provided the address for CitiMortgage's Account Inquiry Dept. and could only provide a telephone number to HUD, (800) 697-6967. I will be making complaints to both as instructed. I searched the website for financial hardship information. Guess what? They have another fax number listed (301) 696-4473. It's confusing... the financial hardship form indicates fax #(636) 261-7706; the financial hardship letter (and Wayne) refers to fax# (636) 261-7709, and the website refers to the number above!

In November they stated that they never received our payment. So I put a stop on the check and sent out two payments(Nov and Dec) via online banking. In the meantime we received a letter stating they were taking us to court and wanted to foreclose. Our lawyer got involved. The judge dismissed their claim of foreclosure but told us we had to pay their lawyer fees--115.00 a month for 6 mos.

So we began sending weekly payments via online banking. Citifinancial would process some and some they would not. They would also hold onto some checks for over a month. So checks sent to them in April might clear before ones written in March. Then they sent back checks saying they couldn't find the account number--all the while they had written it on the check and then blacked it out with a marker!!!

They also claim to have not gotten payments that have cleared. We are going back to court for the third time with them. The second time--the judge basically asked their lawyer what was going on--to which he didn't have an answer. Their latest claim is that they have not gotten payments since Jan '07 and want $600 in 45 days to avoid foreclosure. It is a good thing I have made all payments via online banking so I have proof of payment.

This is incredibly stressful and creates lots of uneccessary tension, anxiety and stress. No one wants to lose their home--especially with 3 kids and especially when they are making the payments!

WE have been receiving letters stating we owe a HUGE amount and we aren't seeing our payments get credited. Then we received a letter with one of our checks being returned to us as they refused it. I called them that Friday right away. They have money sitting in an unapplied account and won't credit it to our loan.

To this date we still have no explanation or justification for this incredible hardship citimortgage has caused us. They apparently feel quite free to raise a customer's payment a huge percentage with no warning, no explanation,no apology and no option.

My wife has had to go out and find two jobs to save our home. The stress, anger and helpless feeling of this situation is unbelievable. Citimortgage doesn't seem to give a damn and this disaster appears to be based on their miscalculations and negligence !

There is no possible way for me to pay that rate and normal home bills. I am in shock trying to figure out what are my options since this is due next month. I was given a thrity day notice to pay the new amount.

It got to the point were I got involved and I was informed that it was sent and he would send it again as a favor to me. After many calls the escrow company finally got the payoff they sent the payment the same day hand delivered. A few days later I went to check on the payoff and Citifinancial told me that we still owed a release fee on the loan! I went in to the office with a copy of the payoff they sent to the escrow company and in the space for addition fees it said 0.00 and I pointed out this fee was not disclosed in our loan papers.

In Jan. 2005, CitiMortgage took over my mortgage and there has been nothing but agonizing problems since. Between Jan. 2005 and Feb. 2005, I sent them approx. $3600.00 but was only behind $3535.00. They contacted me in March of 2005 and said I still owed them $700.00. I tried to explain that what they were trying to say I owed was late fees and other charges and that I was not supposed to be charged for those 4 months. They were very rude and didn't give me any options but to pay it. So I contacted loss mitigation and they told me if I didn't want to lose my home that I would go on a payment plan with them. I again explained the fees were mostly late fees and other charges and she said. “Well, finish out the contract and I'll take them off at the end.” So in April 2005, I signed the contract agreeing to pay an extra $60.00 a month for 1 year till it was paid because I had no choice. My payment then was $707.00 a month, not including the extra $60.00.

In April, with the signed contract, I sent them $775.00. May, June, and July I sent $767.00. Then I talked with a friend and found out what they were doing was wrong. So I again contacted loss mitigation and tried to have them remove the late fess and other fees but to no avail. They still wanted me to pay them and they would take them off later. So I stopped the extra payment and just sent in my mortgage payment every month. I tried to contact them on several occasions by phone and certified mail but no one would help me out.

In January 2006 I purchased a newer vehicle. I had a hard time getting a lender to finance me because of Citi. So the guy at the dealership had me bring in my proof that I didn't owe them this money and he tried as well as some of his partners to speak with Citi regarding this. They would not talk to him or anyone not even me. So I sent them another certified letter asking them for a break down and proof that I owed them this money. At this time, it had gone from the $700.00 to $1400.00 now that the said I owed them. I have not missed a single payment since Jan. of 2005. Yes, I have been late a few times but I made my payments. I just got a statement from them that now I owe them over $3000.00. I do not understand how I go from $700.00 in April 2005, not missing a payment and paying and extra $248.00 on what I supposedly owed them to now over $3000.00. I have bank statements and delivery confirmation slips because I send it out priority w/ delivery conf. every month to prove that I have not missed a payment and the extra money I did pay them.

On September 1, 2006, I received letter (dated August 23, 2006), from CitiMortgage that they had not received the renewal policy billing. The letter also indicated that $3842.50 was being disbursed to my insurance carrier. Although the funds were disbursed, it was a false statement that the notice had not been received. If they had not received it, they would have not known the correct amount or the correct carrier. On September 11, 2006 I received my monthly mortgage statement showing a negative escrow balance. The negative was due to the fact that 2 payments had been deducted.

Money spent to ensure they don't call at 8 o' clock in the morning again saying they are invoking universal default and screaming we are taking your house away. By the way the second time this happened, and they screwed up both times and where called on it. Waiting for third time, because I would get a lawyer, because you shouldn't cry faux foul and get away with it.

As of this month I am in the same condition I was almost a year ago, with no resolution in sight. I am preparing to sue them in small claims court (MASS) under the unfair collection practices law. People with similar issues may want to review this process-I am using it only to get their attention so my Lawyer can start to deal with them.

My credit record is in tatters, I have had hundreds of dollars in unwarranted Late Fees assessed, my mortgage records indicate I am a deadbeat, and both my lawyer and myself are at our wits end.

All they wanted to do was foreclose on me so they finally made me have to file bankruptcy to try and keep my land.

I mailed it again to Mamie M's attention. It was not received either? Hmmmm... So when I sent our loan modification papers I also overnighted all of the information for our insurance and taxes, it was still not received! I am going to the post office on 1-17-2006 to find out who had signed for it and I spent 30.00 to get this to the company pronto.

I feel the Company should be obligated to give the customer assistance via telephone on mortgage questions. This is not the first time I have NOT received a monthly statement from this company.

They have lied to me, argued with me, said they needed more paper work filled out, even though all paper work has been submitted; all avoid releasing my Insurance money to pay the contractor. I have made many calls and not one has resulted in a check mailed to me to help pay the repairs. I have been shuffeled around to more people and departments than I care to count. Still,as of today 1-9-06 Citimortgage has not released my Insurance money back to me. They are holding it in an interest bearing account, which means, of course that the longer they can detain me from getting the funds released the more interest they make off money that is not theirs. I have tried every way to get this resolved but still I am without funds to pay the contractors for the work to my damaged home. Please help me.

After that, they started saying the payments weren't coming in on time again so now I have to send the checks with delivery confirmation. During the holidays last year I came up short on my mortgage and called them to let them know. Yeah, they worked out a plan to help me out.....it cost me an extra $3,000 dollars on my mortgage. My normal payment is $767 but with the "plan" I was to pay $1040 for 10 MONTHS!!! I feel that was a poor way to work out a small shortage for one month. I could understand if I had missed several payments but I hadn't, I was just maybe $70 short and had to fork out an unjustified extra $3,000.

Our payments are not applied toward our loan. Our loan has gone up more than $2,000 since we started a year and a half ago. We aren't able to get results. I have contacted them via calls and letters trying to get my payments applied correctly. Recently we were going to pay off the loan but because of the descrepancy, we can't, unless we want to pay more than our original loan. We can't get any straight answers or corrections from Citimortgage.

I've had nothing but problems with CitiMortgage. If I hadn't gotten such a low rate when I bought my first place when rates were rock-bottom back in 2003, I would refinance with someone else in a moment.

I hung up and called back to be transferred again after giving all my information (acct info, address etc) explained to this woman she was the 4th person I had talked to because I wanted someone who spoke plain English and she hung up on me. I STILL have no idea if they received my payment or not. If this shows up on my credit report I fully intend to write to the Better Business Bureau about this. I went to the CitiMortgage complaint site and was appalled to see the soddy treatment they give their customers, another reason I am thrilled to be selling my house and will NEVER again get a mortgage loan thru a company that sells its loans, which I can do because I have excellent credit. Please stop these big companies from preying on people that are victims to the "press one for this and press two for that system". We are WORKING to make our payments and do not have time to spend 20 minutes on the phone just trying to get to a LIVE person!

Their billing cycle also overlapped MITs by three days for that first month so they are double charging us interest for these days. I did a three-way call with an MIT rep (very responsive and helpful and aware that we don't all know the ins and outs of the mortgage industry) who, several times while we were put on hold by Citi, admitted that their methods (i.e. increasing the ADB in order to not report us to a credit agency) was nothing she had ever heard of. The ADB is what it is...there should be other ways to avoid reporting to a credit bureau, especially since there is a 60 day grace period on finance charges when a mortage is sold. I have called 5 times now and have not been able to get resolution. Their reps are very unhelpful and even rude at times. I caution anyone from using them as their mortgage company if given an option.

They wrote back and said that I needed to send them another payment and that when they found the check I had returned t them they would apply it to a future month. I copied everything and sent it to their "payment research department". Now I'm getting phone calls, emails and letters saying my account is in default. They either can't read or can't understand that I MADE THE PAYMENT ON TIME AND THEY SENT IT BACK TWICE.

Citimortgage later waived the Feb late fee of $27.40 but it continued to bill client $27.40 extra thru May 1. Consumer is currently requesting refund for extra $27.40 payment each month for Jan, March, April and May 2005. Citimortgage may respond accordingly with a refund but need this matter investigated further as they may other consumers out there who are inadevertently paying extra $27.40 a month.

When I tried to get information, or talk to a supervisor, I got an Indian sounding support person telling me to call back when the mortgage holder was there. We have signed a piece of paper, twice, giving me permission to discuss account details, and they conveniantly can not find it. They eventually sent a letter stating they had removed the 2 late payments. A few days later our new mortgage lender stated that Citimortgage had put 2 more late payment son our credit report - same year, 2 different months. When I asked Citimortgage to remove them, I was informed, by a supervisor, that it was not their fault, and would not remove them. Now, because of these late payments, and because various potential mortgage companies have been pulling our credit report, we are looked at as bad debtors.There customer service is terrible, that is if they speak English!, their account keeping is incredibly poor. In the past 2 weeks, I have been talked down to, hung up on, and given inaccurate information, even though they have repeatedly stated we are not in the wrong.

I explained that our agreement was that once the work was completed, that the PMI would be removed. She basically told me that she wasn't going to do that and I couldn't do anything about it because CitiCorp can do whatever it wants because it is so big. I told her that we did not apply for anything from Citicopr and the company that we dealt with agreed that we could have the PMI removed after our remodel was substantially done/. The people we spoke to could barely speak English and every single one of them was rude and condescending. I believe that the contract that we originally agreed to is what we should be held to and so should they.

We talked to their Customer Service and we had been told that the loan already paidoff and they promised to talk to collection agency to get it off our credit report. But they never did and our credit is ruined now. We could not get student loan for our son in college and we have another son coming up to college next year.

During those six weeks, work on our home had to come to a complete stop. My contractor had even provided $20K of his personal funds to pay our subcontractors to keep them working as long as possible. We finally did receive the money, but much too late. Our living expenses have been terminated by State Farm and the CitiMortgage Insurance Claims Center's delays have caused us to be in a situation where we are not only paying our regular house note, but also for the rental while we attempt repair completion.

There is now over $80K left. During the last two weeks, my wife has attempted a $56K draft (again, for subcontractors) or the work will come to a halt again. Again, they claimed never to have received the fax. Again, my wife had to confirm receipt live, over the phone. This was two weeks ago. Again, no movement. The last time my wife called, she was treated with apathetic amusement. These folks know we can't do a thing without this money and seem entertained by our frustrations. Please help.

Our insurance agency called and we called them repeatedly for 2 weeks to make sure the payment would be on time. There was many different stories-each one assuring us that payment would be on time. Finally on the Friday before the payment was due on Monday, they said they would have a manual check cut and overnighted. Of course when I called Monday this had not occurred and they said they had never told us this. The manual check was not cut until Monday afternoon and the check was not recieved until Tuesday.

Now Principle residential does not even have a telephone. I don't know if they have closed or what, but Citimortgage has sent a letter giving us 18 days to pay up or they will accelerate and sell our property. Our bankruptcy has not even been discharged yet. should we not have been given the right to reaffirm? and how can they sell your mortgage when you are in a bankruptcy, I thought the automatic stay protected you against collection and foreclosure so you could get things straightened out?

CitiMortgage bullies all of their customers and the ones that stand up against them, they seem to let paperwork slip through the cracks to prove they are in control. Even today, Jan. 31, 2005, I was lied to. I was told that I would have a call back in 10 minutes. I called them back 3 hours later and was told it takes 72 hours to get attorney fee information. I called back a few minutes later and was put through to the person I had talked to in the morning and he said he called me to tell me he could not get the info. I informed him my cellphone had caller ID and I would obtain a call log and prove that he didn't call me back. He then said he might have called the wrong number. He then proceeded to tell me the attorney fees, when I was just told 30 minutes before they could not get them for 72 hours. Once again, it was lie after lie.

Now I'm told today, after I called to check what the holdup was, that they will be sending the check back to us so we can sign it over to the mortgage company and then they will deal it out a little at a time until all the work is done. What really ticks me off is why didn't they tell us that we had to sign it before I mailed it to them in the first place. All this is going to do is put a big hold on the roofers and when we finally do get the money, then the roofers will be too booked up to get to our roof for months more. We have had a blue roof on since the storm and it will not hold up much longer. Then we will be having more damage when we get more rain.

Plus we are out of pocket money over two thousand. We can't afford to pay for the roof and then wait to get it back from the mortgage company. I paid the extra postage to send the check out so it would get to them faster and so we could get it back fast. I included the return envelope. So now I'm out that money too. I just think this was handled all wrong and we really need to get some money soon so we can get some of these repairs going. The man I talked to today said that it will be another two to three weeks before we would get any start-up money. Is there anything that can be done on the matter? Thank you for your time and help.

So next, I tried to refinance my loan for a lower rate and I get hit with my property taxes aren't paid. This is only a month after I was reassured this would be resolved. So at that point once again, I was told it had to be researched. I continued to follow up on this and all I got was one excuse or promise after another to get this problem resolved. This continued through 2000 into 2001. Finally, a Ms. Melanie ** was assigned to the case. In the meantime, my escrow monies are being paid out for property taxes to another property. Now, I had sent all my original tax statements to the tax department but they still continued to pay on the wrong property, so you know what happens next. The tax bills are showing that my property will go up for tax sale if these taxes aren't paid. In the meantime, Ms. ** had requested I send her all the tax bills because she can't get them from the tax dept. which I did even though that sounded very dumb!

Now she took over my case in early 2001. I really thought I could breathe a sigh of relief with Ms. ** handling it. After I sent her all the stuff she requested, she had reassured me that she would get back to me in a few days, right! Just like all the others I talked to, nothing, no call back. So I called her and she reassured me not to worry. Well, now I waited a week or so before I called her again and that's when the fun started. I started getting her voicemail. Okay, maybe she is a specialist in this field and I am not the only one with this problem. But in the meantime, I am still getting the tax notices for unpaid taxes and I am so distressed with worry and even more so because she won't return my calls.

During that two-year period, everyone including her are celebrating holidays and taking vacations and I'm worrying myself sick besides the fact I cannot refinance until this is resolved and interest rates have dropped to their lowest! Now, I received the final tax bill for 2001 and it states my property is going into tax sale effective immediately, just what I needed to hear. So I made I don't know how many calls to Ms. ** and finally she answered only to tell me there is a problem with the legal description of my property. I had already verified this and this was not true. If that was the case, why then was I getting the correct tax notices which I sent all of this to everyone at First Nationwide. So when I talked with Ms. **, she told me, "Oh, they can't sell your property. Don't worry!" So now, we start a new year; it's 2002 and this still isn't resolved.

Now, in the meantime, I am taking Ms. ** at her word thinking she must have contacted the Treasurer's Office. She didn't say this but she was so confident when she told me this couldn't happen. I trusted her word. Surprise, my property went in for tax sale. Well, still nothing is resolved and now we are well into 2002 and I get notice my property was sold. I received this notice in August of 2002 and my property was sold in April for delinquent taxes. So I called Ms. ** again. Now, I had every right to tear her head off for this. No way this should have gone this far nor should it have taken this long to resolve this issue. So I called Ms. ** and I know I caught her off guard. She wasn't expecting my call. I guess she thought after giving me the runaround with not returning my calls and all the garbage she was feeding me, I had given up. Well, I hadn't given up and I handled myself professionally when I talked to her but of course, it came across I was upset in my tone. Can you blame me? I may lose my home because no one knows how to correct the problem.

So when I reminded her that she reassured me that my property couldn't be sold, her response was, "Ms. **, I am doing you a favor by handling this for you," and if I didn't change my tone, she could drop me on this and not help me at all. Did I see red but I kept my composure. I never heard from her again nor did she return any of my calls until November of 2002. She stated she did the correction of payment from escrow and also charged my escrow for redemption costs and said the Title Company made the error and I am to collect the monies from both the Treasurer's Office as well as from the Title Company. She said she would send me documentation of all payments and a copy of the Redemption Certificate. I received the paperwork of the incorrect and correct payments but no Redemption Certificate. In her letter, she advised me that if I needed any further assistance to contact the customer service dept. I was able to collect the monies paid incorrectly from the Treasurer's Office but the Title Co. said I needed a case number which Ms. ** didn't include nor would she return any of my calls requesting this.

I contacted the BBB during the ongoing SOGA for help but they didn't get to my case until early 2003 in which a Ms. ** wrote in response to my request for help from BBB. Now we have a whole new problem because now my mortgage payments aren't being applied to my account due to the large deficit in my escrow account. My account was put into collection and foreclosure because my payments are being put in a suspense account, so now I have to explain to Ms. ** what happened and what needs to be done concerning this which is I needed a refund of the penalties and taxes charged to my escrow account to redeem my property from the tax sale that took place due to an error they say the Title Company made concerning the legal description. Again, I was told I would have to get this refund from the Title Co. so I told her I needed the claim number/case number. Ms. ** said she would contact Ms. ** and get this for me. Fine, we're almost through this nightmare. Not!

Ms. ** called me to say that Ms. ** will not return her calls with the information and it's my problem to resolve. She did state that as soon as I get the refund from the Treasurer's Office, I was to forward that immediately. She followed up with a letter stating this and apologized for any inconvenience and financial hardship this matter has caused me. Hello, did I get blown off again? What is with these people? This is my monies I paid to them to pay my taxes and now I am being treated like a criminal who took their money. This is how they all act when I have talked with them. I didn't make the mistake nor did I cause these problems. In the meantime, I have lost out on the best interest rates in 40 years and this still isn't resolved nor can I refinance without paying an outrageous amount because they have increased my mortgage by $400 a month to get this back. But no one wants to talk about the $771.83 they owe me in penalties and taxes to redeem my property from the tax sale that they caused to happen nor is there any mention of compensation for all the financial hardship this truly has caused me by being stuck at a high interest for going on four years. Help. Help. Help.

I am receiving phone calls from the collection department for payments that I made and they applied incorrectly. I have been unsuccessful in getting anyone to correct the problem they created. I am fearful that the year-end reporting is going to be wrong. I have made several attempts to talk to a supervisor or to have one call be but none is ever available.

I can get nowhere with them and no one there seems to want to do what they are supposed to on my account. I am at a loss as to what to do next, when even they are not responding to an attorney I have had to hire in reference to this matter.

We don't mean to sound harsh but Jerome is legally obligated to pay regardless of whether or not Citi's records are accurate. To protect his home, he should pay the amount in question immediately, even if it means borrowing the money.

My first mortgage payment has increased by $150.00 a month. I have had $2,052 issued out of my escrow account for insurance that was suppose to be $962.00. They are now taking the difference from the additional principle I am paying to pay for their perceived shortage, because I am not paying the additional $150.00 into escrow.

When I did not get a call from her the next week I decided to call her. I could not get her on the phone but I did talk to someone next to her. He asked her about the situation and she completely denied ever telling me this. Then I started talking to this person about loss mitigation ... mid-sentence we were"disconnected". I have given up dealing with them, and I am now trying to find an outside agency to help.

Does Citimortgage tend to aggressively enforce the 1st of month due date? The terms of my mortgage contract does say that the mortgage is in default if payment is received after the 1st (although the same terms appeared on my contract with previous companies). Can Citimortgage demand immediate payment of the loan if I continue to make my mortgage payment after the 1st of the month? Would I have legal recourse if they did demand that the loan be paid in full if they did not consistently enforce this clause with other individuals?

I am concerned that Citimortgage may demand that the loan be paid in full if I continue to make payments after the 1st of the month (but still before the late payment due date, the 15th of the month).

This is a very common but very dangerous misunderstanding. Mortgage payments are legally due on the due date. The fact that there is a 15-day grace period before the late fee applies is inconsequential. Consumers who routinely pay their mortage late literally risk losing their homes. Although many companies allow this, it is a terrible habit to get into. Richard should make arrangements to pay his mortgage by the due date.

Two weeks later I am still sitting here with my bank account overdrawn, and so far a grand total of $475 in NSF fees! I told Citimortgage that they were going to be liable for all of my NSF fees as this was their mistake and I was then informed by another "supervisor" that according to their records, they have no way to tell whether or not the error was mine or theirs, so therefore it is doubtful that they will pay my bank fees!

I went back and was told the account numbers weren't valid. I was told to wait until next month and see what my payment coupon said. I was told no late fee would apply. One week later, I received a letter from CitiMortgage stating my account was past due and I needed to make a payment. I called the collections dept and was told the account number I had was invalid, but I should just mail my payment. I asked them, "If my account number was invalid, then how would my payment be posted?" I was told, "Don't worry about it. It will." I was finally able to make the payment in July and disgusted with the service I had received. CitiMortgage reported me to the credit bureau as late. I decided to refinance my loan to avoid doing business with a company that provided such poor customer service.

My current lender contacted CitiMortgage and received a payoff amount that included interest through Sept. 1, 2003. I was told not to make my August payment to CitiMortgage because it had been factored into the payoff. On August 25, I received another delinquent notice from CitiMortgage, stating I was past due for August and they had included a late fee of approximately $240. I tried to explain the loan was in the process of being transferred and would be funded on August 27, but the female said, "I don't care. You need to make your payment and the money will be refunded to you in due time."

My dealings with CitiMortgage employees have been rude and discourteous. I have been unable to have the late fees cleared from my credit report despite their assurances they would be. I request your help in resolving this matter. Thank you.

Very upset, I called and wanted answers, only to hear what I wanted and that they were sorry and will get on that asap. On 4/24, I called again after speaking with my loan officer. I called and after being on hold for 45 minutes, I decided that this was the worst I had ever been treated. I spoke to a Gary ** who told me that someone dropped the ball, and the order was never made for the payoff. I expressed my anger and he assured me it would be taken care of. He took my number and said that he would give me an update each day to assure me that he would do whatever it took. Well, there have been no calls, no nothing and when I attempted to call today and, after being on hold again for 30 minutes, I spoke to some rep. I gave her my name and account #; she put me on hold and the line went dead.

Please help me receive justice. All I want to do is refinance with another company and try to get the interest that I have paid now for the past month to go in on my new loan. If nothing, then to at least make CitiMortgage now that they cannot do this to other clients. I have also contacted other groups, i.e., BBB and EqualLenders as well. Thanks so much.

Furthermore, they have admitted to me that the computer system which they are using at this time, has many "bugs" and much of the information is inaccurate, however, they also tell me that my account has been showing as 1 month past due for almost a year, which is untrue to my knowledge. I have had many instances of documents that were sent to the company being lost, and failure of documentation when I have spoken to different representatives over the past months to attempt to clear up these issues. Furthermore, when I have made payments to them, the payments have at times taken over forty days to clear my checking account. I have to believe that if in fact that they are showing that my account is behind, that it is due to improper or very slow processing of my account for whatever reason.

One other minor concern is that I am receiving phone calls at hours like 10:00 PM from Citifinancial, asking why they haven't received payment, but when I tell them that the payment was made by check, they tell me that due to a red flag on the account, they won't adknowledge it as payment and they will send the check back to me. I was never informed that I couldn't send a check by mail to make payment on my account. We have a child with heart and lung disease, and we really can't afford to have these problems emotionally, or financially.