• Report: #782528

Complaint Review: CitiMortgage

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  • Submitted: Wed, September 28, 2011
  • Updated: Thu, May 17, 2012

  • Reported By: Swan — Dallas Texas United States of America
CitiMortgage
Box 689196 Des Moines, Iowa United States of America

CitiMortgage WARNING RE FORECLOSURE & MODIFICATION, PLEASE READ! Des Moines, Iowa

*Consumer Comment: My fresh Hell with Citimortgage

*Consumer Comment: avert a-j

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To anyone dealing with CitiMortgage ("Citi") who is trying to catch up with mortgage payments or obtain a modification, please read the following:

(a) You cannot believe anything Citi representatives tell you via telephone.  You must insist on getting everything - absolutely everything - in writing.  If they refuse, they're lying to you. 

(b) NEVER make payments via telephone.  Tell Citi you will only pay via CERTIFIED mail, return receipt requested - period.  Citi has to give you an address to send payments to; when you pay this way, you have the receipt showing the day you mailed it, and you will receive a receipt showing the date Citi picked up your payment.  This will be important.  Save every single receipt - tape them onto pages in a notebook, but save them.

(c) Document every time Citi calls you - get the representative's name and ID #.  They have to give it to you. Make them spell their name each time. Write down the date and time of each call; make them wait while you do. If the rep gets the least bit abusive, demand a supervisor.  When the supervisor gets on the line, get his/her name and ID#, just like before.  Do this every single time you speak to Citi.  Put the info in the notebook.

(d) If Citi threatens to foreclose, ask them what their basis is for this.  Demand proof in writing.  Tell the rep you want the direct number to accounting, then call it and ask for a complete history of your account.  If they tell you it will take 30 days, etc., tell them you must have in within seven days, as Citi is threatening to foreclose.  Speak to a supervisor if necessary.  Always get names & ID#s.

(e) EXPECT that you WILL have to get an attorney to resolve a foreclosure problem with Citi, because Citi forecloses illegally and without grounds.  They did it to us - they filed a suit for foreclosure in District Court against us; not only were we not in default, we weren't even late! When the suit was dismissed, the judge assigned the attorneys' fees to Citi.  Citi has spent the last 12 months trying to make us pay them, in contempt of court.  (So you can see that being in the right will not protect you.) 

(f) Having obtained previous histories from Citi, we compared them to later versions and found that a lot of juggling was going on.  In its attempt to make us pay the attorneys' fees assigned to Citi by the District Judge, the exact amount of those fees was moved from one line to another, with one label after another attached to it.  These illegal, fraudulent accounting practices still continue.  That's why you need to check your account history.  We found property tax charges for several different counties - we only live in one county, and we pay our own property taxes, so we were not amused.

(g) Not only did Citi sue us illegally for foreclosure, Citi filed fraudulent reports with the credit bureaus, saying that we were in default with our mortgage, when we were not.  Those reports kept us from getting a loan we desperately needed to repair our car.  We've gone 10 months without a working vehicle, directly because of Citi's deliberate deception.  We're finally suing Citi to stop this.

(h) This is important:  don't let any Citi representative bully or intimidate you.  No matter what any of them say, remember you're talking to a hired clerk who is reading from a script - that's all.  None of them have any genuine power to do anything.  And that's the truth, honestly.  Some of them are nicer than others, and some of them lie like rugs.  But they're all just clerks.

(i)  If Citi is calling you multiple times a day and making your life a living H**l, you do have the right to send a cease and desist letter, demanding that Citi contact you ONLY in writing. 

(j)  If you're at the end of your rope, find an attorney right NOW.  Do not wait.  Citi will not help you.  Do not believe them, please, or you will be homeless.  You must protect yourself and your family in order to keep your home.  Citi promises to modify mortgages, then forecloses and evicts families. Please don't be one of them.

I apologize for the length of this report, but our family has been through genuine trauma thanks to CitiMortgage, and I'd like to help any other family avoid what we've endured. 

This report was posted on Ripoff Report on 09/28/2011 02:27 PM and is a permanent record located here: http://www.ripoffreport.com/r/CitiMortgage/Des-Moines-Iowa-50368/CitiMortgage-WARNING-RE-FORECLOSURE-MODIFICATION-PLEASE-READ-Des-Moines-Iowa-782528. 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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#1 Consumer Comment

My fresh Hell with Citimortgage

AUTHOR: Justdisgusted - (United States of America)

In 2008 I declared Bankruptcy, but tried to keep my house.  I applied in Sept, 2009 for HAMP and was told on the phone by CitiMortgage that I qualified.  I was told that they would deduct $266 from my monthly payment.  If I paid on time for 3 months, I was automatically accepted into the progam.  Each month my payment was on time.  At the end of the 3rd month, I called to ask when I would be receiving my acceptance letter in the mail.  All I ever received was the initial package where they wanted my financial information.  I was told that it would take some time, as they had so many applications.  At the end of every month I called.  At the end of the 9th month, I was told I would be receiving a letter.  I was so happy!  The letter I received was a letter of Intent to Foreclose.  I was so upset!  I called Citi and was told to disregard that letter.  It was on a Friday.  All weekend I thought about it and first thing Monday morning I called.  I was told NOT to disregard that letter.  I must tell you that it was signed by someone named Ranger.........a robo signer, but I didn't know it then.  I was told to pay the $2426 that they wanted, which was the difference between what they told me to pay and my original payment for the 9 months.  Then I had to go back to my original payment.  But they told me I was accepted into the HAMP program.  No answer as to if I was accepted or not.  I borrowed the money to keep out of Foreclosure and the next month made my regular payment.  I couldn't afford it, so I had an attorney notify Citi that I would be leaving the home.  He offered a Deed in Lieu of Foreclosure, but Citi never answered him.  So the house sat empty.  I had put it on the market for what I owed on it, but I was underwater.  Nobody even came to look at it.  Citi took me to court to Foreclose, yet they never Foreclosed.  My real estate agent lowered the price hoping to do a Short Sale.  We lost about 6 contracts because Citi never replied and the people got tired of waiting.  FInally I obtained a new lawyer who specializes in Short Sales.  The house was being shown and my agent saw that there was storm damage.  We had a bad storm in Sept, 2011 and ceilings were damaged.  I still had my homeowners insurance paid through my escrow account, so I called to see if the ceilings could be repaired.  Yes, the insurance company issued a check to CitiMortgage and myself to cover the repairs, less $500 deductible.  My agent had a contractor ready to repair the damage.  Citi refused to endorse the check.  They would use the check toward my arrearages.  But, isn't that insurance fraud?  I called the NJ Insurance and Banking Commision.  It seems that yes, they can use that check for arrearages.  So.......the house sits vacant.......people come to look at it, but it's in an adult community and people 55 and over don't want to have to fix ceilings.  One gentleman is under contract to buy it now.  Citi won't accept his offer.  My agent is working with his agent to try and work something out.  In the meantime, an agent wanted to show the house 2 weeks ago and when he got to the property, the lock box had been removed and a combination box put on.  Nobody seems to know who put it on or where my agent's lock box is.  So, the house sits vacant.  Who knows if mold has started to grow where there was water damage.  Does Citi not have to answer to anyone?  Why would they keep this house empty for almost 2 years, lose at least 6 contracts on it and refuse to make the repairs to sell it?  I'll get nothing out of all this due to the Bankruptcy, but I would at least like to know that I sold the house rather than have it Foreclosed on.  Oh yes, and just last week I got a letter from Citi telling me that they want to work with me to keep my home.  All I have to do is make 3 ontime payments of about $1700..........does one hand know what the other is doing at Citi?  So, I am still the owner of the home, it's been vacant for almost 2 years, has water damage from a storm, there's a check issued to repair the damage but Citi won't do it, the gentleman who is under contract to purchase it hasn't responded to the offer Citi will accept, nobody else can look at it in case he wants out of the contract because the lock box has been removed and replaced with a combination lock that nobody has the combination to.  Oh yes, I forgot this..........I got a letter in January from Citi telling me I was denied the HAMP program because my mortgage payments were never late!!!!  Tell me to make my payments on time and I'm accepted in the program, then over a year later tell me I'm declined because I paid on time!!!  Anybody else have a horror story like this with CitiMortgage?
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#2 Consumer Comment

avert a-j

AUTHOR: coast - (USA)

(k) To avert a-j always pay your bills on time and you won't receive calls from your creditors.
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