CitiMortgage
Reviews and Complaints

I have been dealing with citimortgage for a "simple" home refinance for 4 months now. Moving from and adjustable rate to a fixed and have been their customer for over 9 years. I have been given the run around from eleven people in the last 4 months. My loan was finally supposed to close in two days only to find out today that the underwriter hasn't actually even approved my loan yet and now they need documentation, for the 3rd time, that was origionally sent to them 4 months ago. I will never work with this company again. I have not found one person there who honestly cares about their customers. Have not been one day last on a payment in 9 years and expect more from a company than this. Empty promises and no results. Each person I talked to told me they were finally the one who was going to take care of me. Liars!

I have been on the phone and on hold for 2 hours today so far. Citimortage put a $9.95 charge for an optional product on my monthly statement with out my approval or knowledge. I called them to get it removed and was on hold for a long time. They said they could not remove it and I would have to call the insurance comopany and tell them to cancel the insurance. I called the number they gave me and was on hold for an even longer time. when they answered, they said they could not remove it with a customer number or a certificate number. I explained that I did not have those numbers, only my account number. They said I had to call Citimortage company back and get the numbers. I called mortgasge co. back and was on hold for a long time. When they finally answered, I found out that they were in India. I am in Texas. They then said I should write a letter and fax it to get the 9.95 removed. It should go to Gaitherburg, Maryland. My billing comes from Des Moines, Iowa. Customer Service is in India. They have sent me in circles all morning and I'm now very late to work. I ask to speak to the Manager in India, and was told that is inappropriate. I then throw a hissy style Texas fit. The manager finally comes on the line after holding for a long time. I go through my story again, and he says he will take care of it immediately. He puts me on hold again, and we are cut off or he hangs up. Now, how exactly do I call the Manager, Pragnesh, back in India? I am now 2 1/2 hours late to work for somethng I did not know about, approve, or want. Am I frustrated? am I about to get fighting mad? am I about to file a serious complaint about all of this? what do you think? What they are doing is a form of stealing. Texans do not take to that kind of unfairness, nor should anyone else. I will now spend more hours trying to find a needle in a haystack with the name of someone in a leadership position with Citimortage to send my formal complaint. They are protected so that we can't find them or talk to them.Would I ever use citiMortage again? NEVER. and I will pay off this note to get rid of them and never use them again. In addition, I will tell everyone what kind of company they are and how they run their business...in an unfair and unjust way. If they are doing it to me, they are doing it 1, 000's of others. I can not tolerate that.

I guess I'm joining the ranks of people who detest the practices of CitiMortgage. Because of Obama's "home affordable" program, we supposedly have the ability to refinance with our existing lender ONLY. Any other lender and the cost would be prohibitive. So we tried to refinance with CitiMortgage - our existing lender. We qualified with no problems (income, FICO scores, etc.). We paid the $400 application fee. CitiMortgage proceeded to "not proceed" with the loan process. We were told that our new payments would begin in September... by December, they still had not closed the loan. Everything expired (loan lock, documentation, etc.) and they cancelled our paperwork. Essentially, they took us for $400 dollars, and we still have a loan we can't afford. Where are the consumer laws that protect the consumers from this type of scam?

The Citimortgage web page allows consumers to pay mortgage payments on-line. If you click modify my next payment it will draft two payments instead of the one you modify. This has caused me a lot of issues with returned item fees because of the software error. The customer service stated to me that this is a known issue and they cannot fix it. They did reverse the transaction, but intead of sending it directly back to my bank, they cut a paper check and sent it via snail mail. To top it off they even sent it to the wrong address.
The customer service rep kept telling me that he knows how i must feel. My response was, no you don't because if you knew how I felt you would put my freaking money back were it belongs and do it today.
To top it all off they refuse to cover any returned item fees Iincured because of the software error they are resonsible for.

In October 2009, CitiMortgage "discovered" that my 2008 taxes were "delinquent." They were not. Unemployed, I was paying off the taxes with a monthly payment of $200 (in addition to having nearly $200 a month taken by payroll deduction from my wife's paycheck and put into an escrow account for the 2009 taxes, a practice started over 13 years ago). In October, I went back to work and my first item of business was to pay off the remaining taxes, which I did by electronic funds transfer from my bank (Bank of America) to the Mecklenburg County Tax Collector for some $486.28.

That is when CitiMortgage decided to pay the bill they thought was past due, $687.74 (they didn't even bother to contact the tax assessor to determine what the exact amount owed was.)

CitiMortgage then notified me that they had set up an escrow account (which I had never asked for nor applied for nor needed) and that my new mortgage payment would be not the $1, 103.74 I had been paying for years (and never missed a payment) but would now be $1, 505. 70 and I must make and immediate "escrow shortage" payment of $1, 003.74.

When I contacted them, they were less than sympathetic, even when I produced documentation form Bank of America and the Mecklenburg County Tax Assessor proving that the funds I said had been paid, were in fact paid. In the documentation was proof that CitiMortgage had received a refund of $201.46 in October and an additional $300 in November which were a result of my direct payment. I explained, again, that the escrow account was not needed and should be closed. I offered additional documentation showing that the escrow account established some 13 years ago had more than sufficient funds to pay the 2009 taxes.

Nevertheless, in November CitiMortgage paid my 2009 taxes. Another letter came in December, demanding immediate payment of the "escrow shortage" and immediate payment of the $1, 505.70 per month. Another conversation proved fruitless, though I did send the CitiMortgage tax department a certified check for $1, 838. 43 to reimburse them for the amount they paid in error.

You would think this would have solved the problem, but NOOOO. January comes and I now have an even larger "escrow deficit" and a new threat: We will not apply any funds paid on your mortgage to the principal or interest until all monies are paid in full and the new payment amount of $1, 505.70 is received.

Now, despite assurances from Brent and Gary and Ben, my home is being threatened with foreclosure and CitiMortgage is reporting me as delinquent on my mortgage payments.

Another phone call. Yes, we've received your payments. Yes, we received the refunds from the Tax Assessor. Yes, we received your cashiers check for the 2009 tax payment. No, we will not close the escrow account. No, we will not stop demanding you pay us $1, 003.74 for the "escrow deficit" and NO we will not accept any payment but the now $1, 342.67 monthly payment that includes a $269.00 a month escrow payment starting in March 2010. You still owe us a payment of $1, 505.70 for February. If you do not pay, we will be forced to take whatever action we deem necessary to collect the money owed.

Here's are the facts: I have never missed a payment. Never needed an escrow account (I already have one). CitiMortgage made a unilateral decision, screwed it up and now they expect me to pay some $5, 000 total to pay my 2008 taxes (which the Tax Collector documents have been paid), my 2009 taxes (which the cashiers check - which they cashed - paid them back) and some $4, 000 in escrow to pay a $1, 800 property tax bill for 2010, which is already being paid from the escrow account I established at Bank of America some 13 years ago.

Somehow, after screwing up the mortgage industry and taking a bath, the remaining good customers of CitiMortgage are supposed to "chip in" by paying escrow payments they never had before, higher payments if they had an escrow account ($4, 000 for an $1, 800 tax bill is a little outrageous) along with increased fees to pay their bill.

Here's some suggestions: Pay your mortgage every 3 months so you never get to the point where they can foreclose. Paying every 3 months means you're only 60 days behind. They can't foreclose until you're 90-120 days behind. Open a checking account at an obscure state bank in a small city and write your mortgage payment on that account. It'll take 4 to 5 business days for them to get their money. Pay on the very last day you can by snail mail and get the envelope hand canceled. Your mortgage payment is based on the date the letter was mailed, not when it was received.

Last, but not least, call them on their toll free number often to complain. It doesn't cost you a dime and it adds to their expenses. They can't stop you, cause if they do, they face all kinds of penalties for denying access to bank officials by bank customers.

And if you can, find another mortgage company. I am.

I am writing you today to alert you of what appears to be a standard practice for CitiMortgage Inc. I say standard practice because my research has found that others are having like issues and have noted them here on Complaints Board and at the following web site: /URL removed/ We have recently experienced a nightmare associated with CitiMortgage when I lost my job. Faced with a family to support and unable to make the mortgage we kept in close contact with Citimortgage who obviously did not care and did not help with our situation.
While trying to work with CitiMortgage we experienced a variety of dishonest actions and inability to work with our situation preventing us from being able to purchase another home. In short, we made several attempts to obtain a working solution and were completely ignored with the exception of empty false promises. We submitted request after request for assistance with no response except that they lost it or needed it again totaling four times in six months. We were told to pay a little extra and they would not report it as late to the credit bureau and after a couple months of paying extra they still reported it late. They stated that if we brought the account current they would remove some of the late payments reflected on the credit and did not after we complied. Based on that offer we lowered the price and sold the home losing a total of One Hundred and five thousand dollars of equity. Now the big kicker is that after we notified them we had a buyer they quickly sent the home into foreclosure running up the bill even farther.
While employed we maintained a perfect payment history. We recently wrote a letter to the CEO CSanjiv Das requesting assistance yet again met with less than adequate results. The purpose of my correspondence is to see if they would be willing to make a "goodwill" adjustment on the reporting of our account to the four credit agencies. Based on the agreement we have with them the Foreclosure was withdrawn after the property was sold and therefore considered as if it never existed. Their records will show that we attempted to broker a satisfactory solution several times during my unemployment and eventually sold the property satisfying all financial obligations to both them and their attorneys. Unfortunately, the reporting and any reference to Foreclosure have made it impossible to obtain another Mortgage of which my family would like to do now that I have obtained a secure job with the Department of Defense.
I know that payment was my responsibility and I am not attempting to justify this breach of our obligation and agreement, I was however hoping they might review the circumstances under which this situation occurred and consider removing the negative trade line associated with our account from my four credit reports. They refused.
As soon as I became aware of the issue I contacted CitiMortgage and was able to find a buyer paying the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with CitiMortgage is not a good indicator of my actual credit worthiness. They are not required by law to report any credit history but if they do that history must be accurate.
We simply asked CitiMortgage for a courtesy gesture of goodwill in having the credit bureaus remove any reference to foreclosure and RF on this account from my report, which would be in line with our agreement and dismissal without prejudice reflecting that the foreclosure was withdrawn as if it never happened. I do recognize that this request was unique and that it may not be normal policy and asked them to please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately.
CitiMortage was less than cooperative and these examples of their dishonesty and lack of community responsibility demonstrates their part in the destabilization of America today. Please pass on these examples to your staff and committees for consideration when making laws and voting on support for these institutions.

I've been dealing with Citimortgage for over a year now. It all started with our misfortune (disability) and wanting to keep our house and not uproot our kids. We had informned them of our misfortune and tried a workout solution with them. We filled out all the paperwork and sent it in to the address provided and no word. When we would call them, they had no information on us filling out a workout solution. We did this two other times througout the first year with no success. We have been sent to collections, and been served papers of possible forclosure proceedings. We are still to this day filling out paperwork. We are trying to make our original payments to them and they keep giving me different addresses to send them to all across the United States and then when calling to see if they recieved them, they show no payment recieved. I've been passed around so many times that I don't know which way is up. Citimortgage is Hell on earth. Ive never been more fustrated and talked to so many people there that don't know what they are doing. They need a re-organization starting with the top! To this day, January 20, 2010 they still have not done my modification. We started this in October 15, 2008. I think they hope I have a heart attack so they can take my soul. But I think they already have.

I have a family of 7 and our mortgage lender is Citimortgage. We struggled financially during the Fall of 2008, due to farm crop loss, resulting from Katrina's rainfall. I notified Citimortgage, who offered hurricane relief funding thru their Loss Mitigation Dept. We were placed on a Forbearance to Modification Agreement. For the following 3 months I submitted documentaion to Carol Martin in the Loss Mitigation Dept of Citimortgage. The paperwork was "misplaced " by Citi multiple times. February 2009, I received a faxed agreement stating an approved forbearance and were told that if we resumed payments and they were received in a timely manner, after 3 months the loan would be modified to a more affordable, lower payment. Somehow, the hurricane relief funds were never allocated to assist us and I was told that the Forbearance for a few months would have to suffice. The agreement included a balloon payment at the end of one year, in which Carol Martin said was not an issue (since the loan would be modified in 3 months). At the end of February, I received multiple phone calls from the community questioning why my home was listed to be sold in a sheriff's sale on March 4th. I called Citimortgage and spoke to Carol Martin and was assured that this was just an "embarassing mistake". She stated;" the agreement has been signed by both parties and notorized, this was a careless mistake and my home ownership was secure." Well naturally, we were very concerned. Afterall, Citimortgage had a history of losing our important documents. Well sure enough on March 4th Icalled the sheriff's office for a little "peace of mind", and our home had been sold. I was in utter disbelief, even the local banker delayed the sale of our home until receiving confirmation from Citimortgage that it was a "go". I called Carol Martin (loss mitigation counselor), who seemed to be overwhelmed in disbelief as well. She immediately summoned her Supervisor and began trying to process a solution for this error. You can only imagine the embarassment of this ordeal, coming from a small town where my children were taunted at school about the sale of their home, before arriving home that day. I have 5 children and was anticipating the eviction from my own home. Weeks went by with no word from Citimortgage. As a matter of fact they failed to ever notify us of a resolution. March 24th, I received a letter from our insurance company stating that our homeowner's insurance had been cancelled as of midnight March 4th, reason being - "the loan had been paid in full". Two weeks later, lightening hit our home directly, destroying electronics, light fixtures, and wiring. I notified Carol and she spoke with her Supervisor, who said to submit a damage report and cost and Citimortgage would cover it (since they had accidentally cancelled our insurance). We continued making payments until June of 2009, regardless of the ownership issues. In June I paid our payment via phone, as usual, and somehow Citimortgage managed to deduct not one but three payments of $1, 184.00 from our checking account. Well talk about putting someone in a bind, this caused multiple insufficient check charges. Once again, I notified Cit of their very costly mistake and was told that the money could not be refunded since we were on the forbearance agreement and had missed payments(the year before, during the hurricane issues). Instead, they could apply the additional payments towards the following months. However, the money was never applied and this caused a lapse in July and August payments, resulting in the termination of the agreement. In September, I received a letter indicating the Forbearance to Modification agreement had been cancelled and I was mandated to pay approximately $8, 000.00 in order to maintain ownership of our home. Otherwise, the house would be sold in a subsequent sheriff's sale. I was informed by my attorney that Citimortgage had "paid off" the party that purchased our home at the previous sale and now they were wanting to settle with us. I purchased my home in August of 2001 for $125, 000 and have paid monthly payments ranging froom $1, 028 to $1, 264 per month. I am on a fixed rate of 6%. Since the fiasco of excess payments and agreement cancellation, we have been unable to pay monthly payments, only the $8, 000 will be sufficient. Citimortgage is now wanting to refinance our loan in an effort to "reduce" our payments, which was the original goal. However, the following is their offer obtaining the goal: They will not cover any damages to the home during which time the Homeowner's Insurance was lapsed(due to their error). They will give a small lump sum( maybe enough to cover attorney fees). They will refinance our loan for another 30YEARS AT 4% interest rate, resulting in a decrease of $160.00 from the original monthly note and reinstate insurance to cover the lender only.Oh and if we don't accept the offer, they can take our home, because we are technically in default!.The assistance offered by Citimortgage has resulted in our paying an additional 9 yrs towards paying off our home, with the original loan amount of $125, 000, at a lower interest rate( to save $140-160.00 monthly, and they will NOT cover any damages to our home while we were left uninsured. STAY AWAY FROM THIS COMPANY. This fiasco has almost destroyed my family, psychologically and when it's all said and done they will still PREVAIL! Whave sufffered tremendously from their incompetence and have no choice but to submit to them for another 30yrs, because I failed to mention that our credit scores have been destroyed, after a foreclosure( that never happened) and our homeowner's insurance was cancelled(no company wants to insure our home after a policy was cancelled, no matter the reason!). With all Obama's efforts to mandate mortgage companies to work with homeowner's, how is it they can still get away with anything?

We have a mortgage that was with another mortgage company (Bank of america) that was bought by citi mortgage. We have a standing electronic withdrawl payment that is made every month on the 15th as per our agreement with citimortgage scinse my husband only gets paid once a month on the 15th.The cut off date for it being late is the 16th. EVERY MONTH from the 3rd to the 15th we get constant phone calls at all hours of the day and nite. We were assured by the company and many many supervisors we are in good standing and have NEVER been late on a payment. EVERY customer service rep that calls we explain this too they look it up and agree with us and say the calls will stop. 2 hours later someone else calls. Then after a great strugle to talk to a superviser (THEY NEVER WANT TO GET ONE) they agree and it still does not get fixed. THIS IS HARASMEBT> We are even sending a siece to comunicate letter though I douubt it will work. If anyone has any advice I would greatly appreciate it.

I just got out of bankruptcy in August of 2009 and while I was in bankruptcy I received all of my house statements. Now, they will not send me a statement saying that they have not taken it out of their bankruptcy department. They told me it would only take 30 to 90 days. I am going to be behind on my payments because I don't know if they have changed the amount I owe or where it needs to be sent to. They are always changing where to send the payments. I do not want to lose my house because they can't keep their records up to date.

In short... I sent my payment through bill pay as I always have. They said they didn't get it. Three months later, more than 10 calls to them, collection calls from them, a hit on my credit and 2 faxes with proof of payment, it still is not resolved. Today I finally got a "stateside representative" who had all the information on my account. Did you know that you can always ask for a "stateside representative"? I didn't until today. I have spoken to people from India to the Philippines. I am holding out a little bit of hope that it will now be resolved. If not, I will update this site again.
-Pam

Citimortgage is requiring me to carry flood insurance 4x's the amount of the remaining balance of the mortgage, which is 4x's over what is required by federal law. The loan document generically says they require flood insurance, but doesn't say the amount - so there was no way to know that they would require more than what federal law requires. The additional insurance will cost me over $1k/year, which amounts to $28k over the remaining life of the loan. The Citimortgage loan is only $50k and the property alone with no house is worth more than that, so there's no risk to their investment. I've got 5x's what Citimortgage has invested in this property, so I have an obvious interest in making sure I carry adequate flood insurance (there is little risk for flood damage and, if it does happen, the damage would be $10k max).

I've gotten nowhere with the insurance division - I can only get ahold of box checkers that say "this is the amount we require". When I try other divisions they just transfer me back to insurance. The supervisor (Constance) who was supposed to call back in 5 minutes never called me back. The next day I finally got ahold of her and as I was explaining the situation she hung up on me. She had my phone number, so if it was accidental, I assume she would have called me back - she didn't call back. Nice customer service! Are they actively trying to make me hate them more?

I'm considering refinancing to another company, but Citimortgage would probably just buy it back and I'd have wasted the refi fees.

I first received a phone call from Citi's customer service in mid-November 2009 and they claimed I did not make my Nov 1st payment. I verified with my bank that I made the payment on Oct 30th. Citi then recognized the payment but indicated it was not credited to my mortgage because it was $62 short. Apparently my record of paying ahead was of no use. I was short because it was the first month my escrow amount increased for the year and I accidentally paid the same amount I always made. The rep then indicated that they would credit my mortgage and all I had to do was make up the payment the following month.

I made my next payment on Nov 30th with the added escrow amount AND more than $90 to ensure the $62 value was covered. I then received another call in early December from another Citi rep, again claiming I missed my Nov 1st payment. I explained my 1st phone call and the rep then noticed the notes made on my account. This rep confirmed that if I made up the difference on my recent payment it would be cleared.

Unfortunately, I just received another call tonight yet again claiming I did not make my Nov 1st payment. After explaining the entire scenario with this rep, I was told the extra amount I paid simply went to my principle and thus the "missing" payment was still not received. I was put on hold for a supervisor. After 35+ minutes of being on hold, going thru 3 more customer service reps who asked how they could help me, I finally hung up to call back in myself. I called in and insisted I speak to a supervisor immediately. I was again put on hold waiting for a supervisor, though fortunately it was less than 5 minutes this time. While talking to the supervisor, there was annoying music playing in the background and I asked the supervisor to turn the music off. The supervisor claimed it was not from his phone and that he thought it was my hold music. With the music continuing in the background, the supervisor admitted there was documentation of all the previous phone conversations and that he would fix the payments.

This entire experience makes me wonder about the competence of CitiMortgage. A reliable customer that pays on time and over the required payments for 2+ years sends one check 4.5% short and is then harassed by several phone calls on nights and weekends. Each time the customer service rep indicating the situation was resolved, only to have another representative call later regardless of the recorded documentation.

attached is the copy you sent me. but there was damage done to the inside of my home and i insist that you please SEND AN ADJUSTOR to my home as soon as possible. We are in ill health and our doctor is very upset over the damage to our kitchen, dinning room and living room cellings and walls causes from the damage and which we have waited for you so long over this that there is BLACK MOLD in the celling and walls now causing us medical problems... Our Doctors want the damage taken care of amit. as soon as can be for our health or we are going to have to move out of our home of 40 years which we are not really able to do to health and expensives it would cost us... contact us at the above address and telephone # now... Thank you; Gary Dean Greene and Bernita Greene Loan #[protected]

I have a loan owned by Citimortgage but in July they outsourced it to Bayview Loan servicing. I was unaware of this and kept making my payments to Citimortgage and then suddenly get a bill from Bayview saying that I owe over $5000.00. I immediately call Bayview and get it worked out with them. There was confusion between Bayview & Citimortgage but I got it all worked out and Bayview tells me I am current. Well on October 6th, 2009 Citimortgage wrongfully files a notice of trustee's sale on my property. So I once again call Bayview and they try telling me I am over 3 months behind. This is bogus and I patiently email them all my past payments assuming they will work this out. But no, they are still sticking by the fact that I am 3 months behind even though they admit telling me I was current in July. I have just recently been through a lot (seperation, job loss, etc) so I had to move home and rent my house out. Now my renters are moving out because they are worried about the property being foreclosed on and being forced to move out. I just don't understand, here I am doing everything possible to make my payments and fulfill my obligation and they are blatantly trying to defraud me. By their actions they are forcing me into foreclosure. And in my research, I am far from the only one this has happened to BY THE SAME TWO COMPANIES, Citimortgage & Bayview. It has even happened to a close friend. They need to be stopped. I cannot fathom why they would possibly try to take advantage of people who are making their payments.

It has been since February 2009, we initiated communication with CitiMortgage about our loan modification. After mailing all documents requested just over 2 months ago, this has been a very bad experience. 8 months now in late October 2009, after too many conversations with multiple CitiMortgage Representatives who do not have a clue about our loan, this current contact, our Loss Mitigation Dept. representative, Felipe Bracero has not recently returned my calls after 4 attempts of me calling him only to leave more messages on his very long winded recording. He lost our 2007 Tax Return which was in the same envelope with our 2008 tax return submitted over 2 months ago. He stated he had the 2008 tax return but not our 2007 tax return (again, it was in the SAME envelope!). PLEASE, if anyone has information on how to escalate this to proper authority or agency, please respond to this with a comment. We are very concerned. Now, Mr. Bracero sent us a letter dated October 14, 2009 which we received October 29, 2009 wanting more "New" information on our already existing loan with a turn around time of 7 days. Also, I left my cell phone number on all Mr. Bracero's voice mail messages specifically asking him to call me on my cell, he continues to call our home phone and leaves a message. At this point in time, it's harrassment and we are not confident in providing any more personal data to this man without any accountability on his end. Avoidance, lost legal documents, numerous confused representatives, exhaustive hours on the phone with them 45 minutes each time should serve as a forwarning for anyone considering a CitiMortgage loan modification. It is a nightmare you may want to reconsider.

I purchased my home in 2006 for 180k got a 5.875% interest rate with taxes and insurance included with my monthly mortgage payments. I have been on time every month since I purchased my home . I have not asked for a refinance or a modification. My recent monthly statement from Citimortgage has a new insurance "windstorm insurance." I called Citi mortgage Mortgage servicing and was transfered to Citi mortgage Insurance because the department I called couldnt help me. The lady I spoke with was very rude insisting this is mandatory. I asked when I was informed, she claims a letter was mailed to me in May of 2009 indicating this new requirement - a complete lie. I asked if she could send me where it states in my loan documents where this is required, she would not. I asked if she could forward the law or where it states it is mandatory she would not. I asked to speak to a manger, there was no manager. Apparently this insurance has been optional - like earthquake insurance - for sometime and now all of the sudden in December of 2009 Citi mortgage is requiring my loan to have it. The additional "windstorm insurance" is $4000 a year, this increases my current payment by 150%. I called my current insurance company and asked if they usually write "windstorm hazard polices" in Fontana, CA, they said no. I called my friend who is an agent he too says he rarely writes these polices but can write me one if I need to have it for my policy for about under $1000 a year. I called my mortgage broker, who is still in business, and asked if he sells "windstorm insurance" with his mortgages, he said no. After I explained my situation to him, he laughed in disbelief and asked me if I was serious. I am very serious, this is no joke. I spoke with over 30 home owners today and not 1 of them pays this type of insurance, nor is it mandated by their mortgage lenders.

I think I am being Scammed here. Is anybody out there having the same occurrence? Let me know, my attorney is taking a look into it tomorrow.

-Blown Away
Fontana, CA.

CitiMortgage readily accepted a check for $11, 787.00 from State Farm Insurance that required endorsement by them in addition to the policy holders for damage to their home.

It obviously takes an act of God for them to ge the check back to us in a timely manner. After the contractor completed the project, they sent an inspector to the home to make sure the roof was installed. The inspector had 72 hours to submit the report. I called them on the following Wednesday and they checked the inspectors web site and noted that the inspection was finished. They then informed me that it would take up to five (5) days to process the information and get me check to me. IT TAKES FIVE DAYS TO PROCESS WHAT INFORMATION - The job is complate and I have been paying the mortgage to them on time every month for thirteen years. What a racket to make some extra dollars at my expense.

went to pay of citimortgage at the beginning of september, it took three checks and a month and a half later and two months of extra interest which should of never been paid on our mortgage. they are the ruidest people, know one can tell you the correct amount to be paid, they harrassment three and four times a day they employ people that can, t even speak english. if you are considering a loan with citi mortgage inc, you better think twice. i have never been late on this mortgage know one seams to know what they are doing carolyn from wv

I have been unable to make my mortgage payment since May. I have been in contact with Citimortgage for over three months now trying to get a loan modification. Each time I speak with them I hear the same story, "we are working on a plan for you..." (I'm paraphrasing here, but you get the idea...)

So here we are, now another month gone by, with no loan modification plan ever presented to me, and Citimortgage has allowed my escrow to be eaten alive by my PMI insurance, and now there is still some money in my escrow, but not enough to pay my taxes or home owners insurance!

My thoughts, I have PMI insurance so Citimortgage has NO INTENTION of giving me a loan modification (even though I do qualify), instead they want to eat my escrow down to pennies, then foreclose... This can't be legal, can it?

For a mortgage company to take a huge handout from the federal government, then not give consumers a snowballs change in hell of saving their homes... wow, what a country and what a company...