Citi Mortgage damage claims Springfield Ohio

 Had a fire in my house which was a complete loss.  The insurance company was great they got us the money to start repairs within 3 weeks.  When you have a mortgage the mortgage holder is the one that holds the money.  I had to sign off on the check and send to them, which they lost.  I then had to start repairs without any funds from Citi mortgage.  There was a constant battle trying to make them understand without them forwarding the money to me to work with I could not start repairs.  I had so many days of phone calls to them requesting them to release money.  Each and everytime I called it was a different story.  Can not release funds until you are 30 percent done, then 60 percent done and then 95 percent done. 

Each and everytime you requested money they would send out a third party inspector to see if you were actually 30 perceont done and so on.  After the third party inspector came out you had to provide reciepts showing the purchases you made, and they must be for more than your requesting.  I contacted an attorney he advised me to have them modify my loan so that I would not have to pay the morgage while we were not living in the house, because I was getting hurt twice paying for the mortgage and also paying for repairs.  I contacted them at 9:03 in the morning explaining to the customer care reps, the loan modification reps, the damage claims reps and finally after two hours and 23 minutes of being transferred I wound up with the very first person I talked to at 9:03 in the morning. 

That was the last straw.  I borrowed money from friends to get the work done.  After using all of the money I called again telling them we were 95% done come and inspect.  The third party came out said it looked 95% to them took pictures and left.  The picures showed that the appliances were not installed in the exact spot but were sitting next to the area that they were to be installed that same day.  The carpeting was laying in the areas ready to be installed the following day.  We were to move into the house three days later.  Now for the problem.  They contacted me telling me we were not 95% but 93% and that no funds would be released.  What the person from Citi did not know was that that very same day I recieved the final check in the mail by fedex. 

They argued with me about being 95% and I finally hung up.  Three days later they called back to see when the next inspection was to be scheduled.  After knowing that I had cashed the check and it had cleared the bank I told them that they could keep the money they have and that they really have no idea what they are doing or how to have customer service.  I can sya that this version is a short a painfull version of what I had to experience with Citi Mortgage.  One last thing if anyone ever has to go thru this, they recieve interest on your money.  Make sure your ask them for it.  If you don't ask they will keep it.  They use your money like a construction loan.  Saying you have to pay for everything then they will reimburse you for it.  That is not how it works!