- Report: #892754
Report - Rebuttal - Arbitrate
Complaint Review: Citifinancial/OneMain
Citifinancial/OneMainmaryland Cumberland and Dundalk, Maryland United States of America
Citifinancial/OneMain deceptive loaning Cumberland and Dundalk, Maryland
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I had been comfortable with this as they never seemed to have guided me wrong in the past. Boy did I learn the truth the hard way. They made so many promises, offered so much help, I read all the conditions, they leave the room with the papers and come back with my copies and send me on my way. Then I get home and read over what I had and realized my interest rate had jumped to 11.75%, no insurance or taxes escrow, Nothing like I had with the previous company. I have painfully made the outrageous payments for many years now only to see that none of my large payment goes toward the principal of the house. The area I live in is very depressed. I contacted the office to find out that they had falsely reported income that I didn't have (I'm on SSDI from cerebral palsy), got an outrageous appraisal on my house. I have been fighting to get this corrected and they act like they have no idea what I am talking about. The mortgage has since been transferred to two offices further down in the state, and each time it is moved the people get more rude and more rude. I applied for a restructure recently due to financial hardship and the day after faxing the paperwork they sent a reply that it was denied. They claim I have plenty of income to make the payments. If I did I would not be struggling. They have hurt me so much that now I cant even get a refinance with a decent person. I'm a single mom trying to keep a home for my son and a place where I dont have to keep moving from rental to rental. I've been here in this house 7 years and now fear I will end up losing everything. I've tried to find some kind of help, researched bankruptcy but can't even afford that. The attorneys around here don't even want to bother taking on the company because they are just "small town" attorneys. It is a shame that this company gets a government bailout, renames the company and continues to take advantage of people with nobody doing anything to help stop this issue.
On several occasions I have told them to just take the house and I'm not going to pay anymore. They reply with "we don't want the house, we want the money." I would think if they wanted the money they would do something to make sure I can keep paying them.
This report was posted on Ripoff Report on 06/04/2012 11:59 AM and is a permanent record located here: http://www.ripoffreport.com/r/CitifinancialOneMain/Cumberland-and-Dundalk-Maryland-/CitifinancialOneMain-deceptive-loaning-Cumberland-and-Dundalk-Maryland-892754. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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