Citi Mortgage allowed my mortgage acct to be accessed and changed by a non owner of the mortgage ripoff Gaithersburg Maryland

Well, Having to deal with Citi Bank now for years now, and the continual problems, run around, excuses and just plain lies. They tell you on the phone when you try to get the truth out of them when they have continually screwed up your acct in every concieveable way possible is criminal and for someone to come on here and try to defend them is even more ridiclious. Obviously their mortgage is not with citibank.

By the way I pay my mortgage three months in advance to protect myself from them trying in some way to foreclose on my property as it has shot up tremendously in the past 5 years worth 4 times or more than what I owe them and they would love to take it back anyway they can.

I think that's where most people's problems come in. One of my problems was they allowed someone not on my mortgage that had nothing to do with any type of ownership of my home to go in and change my personal information, where my billing statements were sent.

So I did not recieve them for three months prior to me paying three months in advance which I do now. Then allowed this person to change my mortgage payments to the repayment program which raised my payments to a rediclious payment. All this time I was at another address and out of town. When I came back into town after wondering what was going on with my payments I had given citimortage the address I was at and never recieved but a statement or two from them then nothing.

I went to miami for a wedding came back and there was a letter in my mail telling me I had not been keeping my agreement. I called them and said what agreement? The repayment plan to catch up your mortgage. I said I never talked to anyone about this or agreed to this and you shouldn't be talking to any one either about my mortgage.

Well they said were givin authrozation to change this and that I said not by me. So the idiots checked their records and notes and discovered they had allowed my acct to be changed by someone who had nothing to do with my mortgage, just anyone off the street idiots.

Well by then it was 3 months behind so I borrowed money. Told them they had better restore my acct back to the way it was. They agreed and also sent a letter to the credit bureaus to repair my credit.

After many, many calls and talks with supervisors who told me oh we will take care of it just to have it remain the same numerous calls later and transfered all over the country and disconnects. Later it was finally straightened out.

All the time they were threatening to take my house from me, for the past three years I have recieved no escrow check at the end of the year till this year I got 884.00 bucks back, then a lady said its the same amount just about you got back last year. I said lady I never got a check last year or the year before. Well it was cashed, I said not by me nor did you send me one. Well we will have to check on that and they did and informed me I did not recieve a check because basically it balanced out.

Well sure right so they sent my checks the last few years to god only knows and they cashed them. Well this year I sent my check back as they raised my payment after sending me 884.00 back saying they needed more. I said why I paid 884 dollars to much last year and your telling me your sending that back and raiseing my payment because I'm not paying enough. So then I said I want to send an additional $1,500.00 to escrow lower my payment.

Oh you can't do that, and I argued for a good hour asking for a supervisor etc finally I got one who said sure you can do that she told me how much I'd be paying and where to send the check. Then I get a letter saying it wasn't enough to lower the payment to the amount the supervisor said it would be and that my payment would be higher, sounds like the blind leading the blind around down there. Now as I said I pay my payments ahead 3 months when I send my payments in I write out on the coupon in the correct blanks for extra payments and I spell out next to it for each month.

I also enclose a hand written note explaining how much the check is for and which months payments it is for so even a child could understand it. Well they will credit a month sometimes to the payment and two to the principal or two months to payments and one to principal or aparently whatever they feel like doing with my money other than what there instructed to do with it.

Either they're extremely stupid down there or just plain not competent at all. When I talk to them on the phone they put it off on me that's their favorite thing to do is deny responsibility or shift blame to you. I was told today it is your responsibility to make sure we don't make mistakes on your acct that's why we send you statements.

I said what you have to be kidding how many people did that note and coupon go thru and a printed copy statement made and sent to me and still wrong? Not once not twice but more than 3 times now in the last six months.

Tonight I asked who regulates your bank? for mistakes or basically holds you accountable for them?? Oh I can't tell you that so I'll just get you a supervisor. I said no I want to know who I can talk to that regulates you.

I have already talked to plenty of your supervisors and do not want to talk to then. Well that's who you're going to talk to and promptly hung up on me. In the past year there has been so many mistakes made on my acct that you would tend to think they were on purpose since they all benifited citimortgage.

Money wise none were certianly in my favor. I do believe the term is called crooks, flim flam or just plain shake down is the proper terms. Think about it. If all of us are having problems with them and from the looks of thinks it all seems to favor citi mortgage. I have had about 3 other mortgage companies before this miserable excuse for one bought my mortgage and never had any problems like this before nothing!! Gee it doesn't take a rocket scientist to figure this one out. We just need the people in our govt to get off there a## and investigate them which I am going to send my senator and congressman letters and copies of paperwork along with any federal govt bank regulateing agencys I can. And also checking into the legalities of sueing them for allowing someone access to my mortgage acct.

Jim
cocoa, Florida
U.S.A.

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