CitiMortgage, Inc. Violations of RESPA, other federal statutes, and non-existent customer service corruption Ballwin Missouri

Please take the time to read my report and respond. Please keep all of your documents as you will need it to have Proof of your valid complaints.

If Citimortgage has taken your home and the Trial Courts have helped in Violating your Constitutional Rights under the due process of law clause. Example: Judgment Entry not sent to you where you can appeal it, Summons to defend, but was not a part of the proceeding,and lack of due process during the whole procedure, no notifications of any of the processes of the foreclosure, finding out you have judgment liens attached to your home without your knowledge that was used to help in taking your home You not only have a case with Citimortgage. but also with the Trial Court that was involved to assist in the taking of your home.

Please contact me under Attorney Generals titled as CitiMortgage forcible entry and unlawful trespassing dated 1/18/06.

This is bigger than Enron. And we need to come together to stop Citimortgage and the Trial Courts in all states where they have hurt others in their quest in taking peoples homes. We need to build a class action suit in putting a stop to this madness.

My husband and I appreciate all the comments to our original letter. We had taken all the steps suggested and actually got a written response to our qualified written request, albeit past the 60 day limit allowed by RESPA. The response, of course, did not totally remedy the problem. CitiMortgage, Inc. stated they were crediting the missing payment and notifying the credit bureaus to correct our credit records. Fortunately, we are in Virginia, where it is perfectly legal to secretly record telephone conversations that are admissable. So, in addition to a growing paper trail, we have recorded evidence as well.



But we continue to receive monthly statements that show us as a month behind, owing two payments, not one, plus late fees. The website where we had signed up to pay our mortgage payments indicates totally erroneous information. The credit bureaus reflect 60 -90 days past due still.



After discussing our problems with our RE broker, she called a loan officer at another mortgage lender who ran our credit reports to show they had not been corrected. But he also followed up that action with an official letter stating they could not refinance for us due to the credit rating. He strongly suggested we hire an attorney (more below on that). This letter, along with weekly historical interest rate fluctuations, will help us show how CitiMortgage, Inc. has damaged us beyond our credit reports. Their actions have denied us the ability to refinance at a lower interest rate, as well as obtain credit. (Even existing creditors who occasionally check reports have frozen some of our credit card accounts and, in one case, attempted to increase the interest rate by 10%, even though those creditors have been timely paid.)



We have contacted several attorneys and the first thing we ask is if their firm has represented CitiMortgage, Inc. or any entity owned by CitiGroup. We have been surprised how many come back to say there could be a conflict or worse, those that don't bother to call back once we say "CitiMortgage".



To Mary in Reno, I'm sure we will all agree that calling customer service numbers is a joke. Call the 800 number for CitiGroup in New York City, listen to the choices and when you get the to directory of employees, type in the name of the president of CitiMortgage whose name you can find at Hoovers.com. The numbers listed on Hoovers.com are disconnected numbers (either in St. Louis or Ballwin, Mo.) and operators in those towns are only giving out the disconnected numbers. Or, although CitiMortgage, Inc. is based in Missouri, look on the back of the statement your client receives. Find the address to which you send Air Express (overnight) payments. If the address listed is close to you, go there and ask to speak to someone in Loss Mitigation. In my case, that office is in Frederick, MD., which is where First Nationwide was officed. They do have a Loss Mitigation office there, but don't bother to call, because they most likely will not return your calls.



Onward we go.

My client has requested my help in doing a short sale on his house because CitiMortgage has filed the foreclosure notice. Their customer service rep. have ne idea what I am talking about when I ask for the Loss Mitigation dept. and requesting that someone please send out a financial packet so that my client go avoid the foreclosure and be able to sell his house through the short sale. Now that I have read with what is going on with others with CitiMortgage I clearly understand the frustration. I'm not sure if this the right place or not but has anyone been able to get to anyone respond back with a positive answer?

I have currently a problem with Countrywide Home Loans. My method of action has been

1) send everything including payments via certified mail/return receipt

2) at the first sign of trouble send RESPA letters via registered mail to any and all agencies that have anything to do with the mortgage industry and consumer protections like HUD, FTC, State AG, State Secretatry, State Credit Commissioner, Mortgage Bankers Association, include your Title company ( a nice surprise for them)I even sent it to State Office of FBI, and whoever else you can think of.

Why all these places? Because they all check each other and because then they have to answer to them and not just you! You are also leaving a well documented papertrail all over the place that will hold up in court.



Yes this is time consuming, expensive, a headache, and everything else. If you do not send things like a dispute by registered mail, they will only laugh at it. It will not hold up if you go to court.



Do not think for a moment that even small things they do, or omit to do, is innocent. They have a plan once you are targeted. The plan is to ruin your credit, separate you from all your money, and take your home in the end.



Educate yourself. Everything I know I learned right here on this website AND it is working for me. I am getting results.



Do not wait. They do not wait. And don't csll them. There is no proof of anything you discuss with them.

Jayne, you need to act fast. It sounds like you are approaching the final stages before you get your foreclosure notice. Forget about about trying to work out the problem with your mortgage provider. Phone calls will accomplish nothing but wasting your time. I'm not going to post my long description how I handled the EXACT same problem with The Associates, now Citifinancial/Citimortgage.



What you need to do is to round up all the information that shows that you have made your payments on time and make multiple copies of everything, front AND back of checks. You will need to include your loan number in this info. Write a letter explaining exactly what has transpired. Then send copies of all your information to:



Virginia Attorney General ( best shot, they have to respond with in 10 days to an inquiry by the AG)



Attorney General of the state that your lender is located in.



Your local BBS and the BBS in the city of where your lender is located.



HUD, Fannie Mae, Freddie Mac, The VA, ACORN and any other entity that even remotely has anything to do with handling mortgages.



Send them a letter, with your loan number on it, stating that under RESPA such and such paragraph they are to cease contact with you in connection with this problem. Also advise them of the agencies you are sending your complaint to. This letter needs to go to:



CEO

President

Vice-President

Chairman of the board

Vice-President, Legal department

Director, legal department

Manager, legal department



You don't need their names just address them to the title, they'll get there.



The key to using this method is to create a mountain of paper work for them by contacting as many agencies as you can and to be the perpetual thorn in their side. They will get a ton of inquiries and must respond to each one. Plus you will generate interal inquiries.



This method has worked twice for me with two mortgage companies and once with an insurance company. At the second mortgage company, after I had more experience at this, I had a regional manager tell me that he had been assigned to "Solve the problem and Make me go away"



Get Pro-active and be a PIT BULL. Grab hold and refuse to let go until they find and correct your missing payments AND correct your credit reports. If you wait much longer they WILL get your home or you will spend thousands trying to defend yourself.



God Speed,



Never let your guard down and watch your back!

sorry - correct webpage xxxxx( deleted becuase the people runing this were up to no good!)

If you take the time to read all the ripoff reports on this website about mortgage servicing companies, you will realize that you are being set up for a scam.



When they "lose" payments during transfer of your servicing, this is their favorite way to set you up for 1) ruined credit, 2) impossible to get refinancing 3) fees to completely bleed you dry 4) coming in for the kill >taking your home

The fallout is that, because of your ruined credit, you pay for everything MORE including insurance.



The corporateers have got together and thought about ways to keep as many people as possible in a "sub-prime" bad credit status for as long as possible, maybe forever because it is VERY profitable for them.



You need to get as much info as possible so you can help yourselves. Knowing is half way to winning. Being quiet only contributes to their success.



Hope this helps

we had firstnationwide also. we are also having the same problems as you. they are telling we over 6,000 behind and we have every reciept to prove that we are not. it is nice to know that we are not the only people going threw this crap!! any law suit we would be more than happy to help in any way we can. we are not far from you, if you would be interested in talking to us. iam really curious to find out where every ones money is going to??? does this remind you of anything? does the name enron mean anything? i say we have to stick to our guns and do something!! not to mention that i can't afford this much longer!!

we had firstnationwide also. we are also having the same problems as you. they are telling we over 6,000 behind and we have every reciept to prove that we are not. it is nice to know that we are not the only people going threw this crap!! any law suit we would be more than happy to help in any way we can. we are not far from you, if you would be interested in talking to us. iam really curious to find out where every ones money is going to??? does this remind you of anything? does the name enron mean anything? i say we have to stick to our guns and do something!! not to mention that i can't afford this much longer!!

we had firstnationwide also. we are also having the same problems as you. they are telling we over 6,000 behind and we have every reciept to prove that we are not. it is nice to know that we are not the only people going threw this crap!! any law suit we would be more than happy to help in any way we can. we are not far from you, if you would be interested in talking to us. iam really curious to find out where every ones money is going to??? does this remind you of anything? does the name enron mean anything? i say we have to stick to our guns and do something!! not to mention that i can't afford this much longer!!