CitiMortgage
Reviews and Complaints

I went through them to refinance my home. We paid them $500.00 + up front for service fees and appraisal. We went through the entire process and when it was in underwriting they stated could not refinance us after all. I advised them I provided all of the required paperwork and this mistake was not our fault so we should get reimbursed the money we gave them when this whole thing started. They have been giving us the run around for several weeks now and still have not contacted us about it. When I called the person I was working with from Citi he did not answer my calls and just sent me an email that he was still discussing the refund with his manager and would get back to us on it. It has been several weeks and still nothing. This is the person we dealt with. He seemed really friendly and was in constant contact with us (phone & email) until things fell through and we wanted our money refunded. This really seems like some type of SCAM they are running on people.

Matthew Cruz
Mortgage Representative CitiBank, NA
Direct: [protected]
Fax: [protected]
NMLS Identifier: 1414507

I discussed refinancing with Citimortgage to go from my current 6.58 interest rate down to a 2.75 interest rate. I only owe 57, 700 on my mortgage for the next 17 years so it makes sense to go down to a 15 or 10 year refinance. Well, I got the numbers back and it appears instead of saving, my total I owe will be 59, 600k. So that means Citi is stealing all the savings and trying to con me into paying them 3k so they can steal it. What kind of scam is this? Are people really that uninformed? I was told I would save 100-200 per month note. Really? And rather than use the tax value of my house I am to pay them 650 for an appraisal? Nonrefundable of course should the loan not go throuth. They should be put out of business for theft. Of course I declined. Had I not asked for the entire 15 year payout schedule I would not have known they were stealing the savings. I guess they expected me to go for the 100-200 per month savings, which is not really savings since I would owe more.

the very same thing happened to me. call citibank and tell them that i will do my business with someone else.

You must consider a shortsale most people do not realise that the bank does not care about the homeowner and there are millions of boiler room scams offering loan mods popping up every day . Out of 4 million homeowners facing foreclosure only 135, 000 have been helped thru a modification, companies are no longer allowed to charge for modifications so anyone offering their services at a price is a scam . I suggest talking to a licensed real estate agent about your case.
www.romanrealtors.com
also many people do not qualify for the 5 requisites the bank requires .

we do not charge for modifications or shortsales the bank pays us. We wont ask u for a dime.

Joaquin Roman
Owner
Roman Realtors and Financial Services, Inc
3005 S. Bristol
Santa Ana, CA
http://romanrealtors.com/
[protected]

i had same problem with citimortgage. I was first put in a trial program. also was told that i would be send letters by mail . I did not get anything. making my payments and recieving letters still showing as if i havent applied to mortgage program. after 2 payments i stopped maikng payments and first i recieved a mail saying i was denied. I called them ask for the initial papaers they had to send never came and if you have the intention to take my home i would try to keep money to myself. I was told by rep that this waws a system error and i was still in program, then 3 days later i recieved a email from citimortgage that i was approved for modification and would recieve paper work within 5-7 days. after that email i immediatly made payment also tolked with representative. I called 2 weeks later because i didnt get anything in mail. I get the answer that i was denied. I asked how does thinks change in 2 weeks no answer. itried to aply with bank directly but i guess the games played in this area is more than i can imagine. would tolk with a lawyer. if anyone has a stiuation like that and can email ayazoglu_78@hotmail.com i apriatate it.

We received an email stating we had a balance over 2000. The current months dues plus 1000 from last month. We had sent them 2 money order for the month previous over two weeks ago. So, my fiancee called and asked them what was going on and they told him that their machine only takes out one check at a time from the envelope? My fiancee asks them where the other check is then and they say I don't know, could be anywhere even though we have sent our payments in this way for over 7 months with no problems! Ok so, then we look at putting a stop pay on the check and we call them back and they said well if it went to Urbandale it should be fine (just another example that no one has any clue what they are doing). We tell them um ya we have a copy of the fedex airbill and that's where it went. So they tell us well, you might need to see if it was cashed because it could have been applied to another account-even though our full name and account number was clearly on the front. So, we call the bank where the money order was drafted and they tell us the check was cashed. Now we have to pay for another money order to send to the bank then they will send us a copy of the check front and back. Of course Citimortgage is taking no responsibility for any of this and now we are having to jump through hoops because of their incompetence. I am so mad about this and cannot believe what idiots they have running this place. Not to mention their customer service, well they have absolutely none! I agree with everyone, this company is horrible and I cannot believe they are still in business.

I have been paying on time and sudenly my statement shows delinquency fees. I called and told me that that due to late payments in 2004 that they never applied to my account. A rep Ms. Tesa gave an ID number 8702 which I believe is bogus treated me very disrespectfuly and hanged the phone on me, told me that I have to pay the delinquecy fees even when she was unable to explain to me why they were posted to my account. For the last few month they have been taking my monthly payments holding them for up to 2 months and applying them to the delinqunecy fees created by them holding the payments. As a shareholder of Citi I feel ashamed of been part of this company and the way they treat the customers.

I got sick and got behind on my mortgage with citimortgage. I paid the ENTIRE amount due (3 pmts.) on the 16th of April( the third payment was for the month of April). On the 19th I got turned over to foreclosure AFTER I WAS PAID IN FULL. I called Citimortgage and was told that even though I made the payment on the 16th and GOT confirmation of payment, the payment hadn't actually processed until the afternoon of the 19th and that by that time they had already filed for foreclosure.
Now If I don't pay the attorneys fees they will continue foreclosure Even though I am currently paid to date.

Well folks there seems to be a number of us. What are we going to do?

The exact same for me too. 18 months of stressful insanity. For six months I have paid HAM payments and listened to Citi agents tell me my documentation is incomplete ( I have provided it in triplicate, with proof). The only reason it is incomplete is because of thier incompetence. The only modifications Citi gives is when the homeowner owes way more then the home is worth. If there is any equity or possibility of Citi getting their money back, they will sabotage your modification, take your home, keep the payments you made, and get a nice tax advantage on the forclosure as well!. They are doing it to me! The same day they told me on the phone " your account is in review...don't worry the forclosure is on hold while the account is in review", is the same day they posted the 'Notice of Trustees Sale on my do0r! I am a single father with two kids, no help, and 20 days left.

Angry Mike in Ventura, Calif

The exact same thing has happened to us out here in California. Our mortgage is 2349.07 per month our mod payment was $1899.55. I paid all trial payments on time with lasted from June to Nov. They then said you don't qualify for the h.am.p mod but we can qualify you for the in house mod. We made those payments on time as well. Now, they said you don't qualify for any modification and you are behind 2 payments. I asked how and they came up with some crazy story. I am still paying my original payment of 2349.07 current this month. We received a notice of default saying we are still behind the two payments and foreclosure proceeding will begin 5/31/10 if we don't pay the 2 payments that they say are behind. We are so frustrated! I didn't know they can do that!

Oh my GOD, it sounds exactly like my story except I applied for a mortgage modification in June making all my payments through Jan, seven months on time and the amount they requested which was 134.00 less than my regular amt. then was told that my modification was denide in Dec.and now they tell me that I owe three months in arreas over 4, 000.00 my account is delinquent which means that my credit is ruined after owning my home for 16, years and maybe lose my home. I am at wits end I'm going to the main branch tomorrow 01-16, -09 to see if somehow I can talk to someone or should I say BEGGG... someone to look into ny account and give me back my dignity, credit, and possibly my home.

Citimortgage is absolutely the worse company I have ever dealt with and there is no question in my mind that they are ripping all of us off as consumers. Read the numerous complaints about Citimortgage on consumeraffairs.com. I applied for the Hardship Assistance Program last March (2009), but prior to doing this, I had good credit and had been laid off from my job due to my company downsizing and eventually folding. I accepted a less paying job and have been depleting money from my 401K and my savings to make ends meet in order to keep my home. It has been nothing but horror in dealing with Citimortgage in getting paperwork processed and receiving harassing calls that I never should have received because their departments do not communicate with them. I can go on and on about the rudeness and complete incompetency of this company in dealing with any department within their company in numerous offices in different states. They lost 3 faxes and misplaced over 10 pieces of paperwork from original documents that were fed-exed off to them that I had to fax or scan to them "immediately" many times. I have owned my home in Orlando since 1995, and I received a phone call from one of their offices in Arizona to call them back right away at 8pm eastern time last night (Dec. 20, 2009). I was not at my phone when they called and immediately called them when a family member told me my phone had rung and I heard a voice message from "John" with Citimortgage in an Arizona office to call back ASAP because they needed more documentation for the final process of my hardship assistance loan. I need to state that I hadn't heard from them since October, 18, 2009, and I was in the "final stage" of being processed as of the October 18, 2009 date. I was also informed that I would know something in no more than 2 weeks from that date of Oct. 18, 2009. I was given a 3 trial payment period for the new "supposed" loan modification from them and made the requested payments for October and November. The phone call I received tonight from "John" who is in the HAM (Hardship Assstance Mortgage Department) in that Arizona office informed me that they needed paperwork, which again, was not even a part of my loan process. I explained this again, for the 20th time (this is an accurate number) to "John", who asked me to hold while I explained that I had sent in all necessary documents requested via a scanner to email from my accountant about a business I opened and am making sufficient money for expenses. "John" told me that I was correct and that the they had made another mistake in not looking at my documents thoroughly enough. "John" informed me that he would request the underwriting team (Now I've transformed myself from the tears to calmness in knowing that they are totally inefficient, uncaring, and I now have ruined credit that will take me years to get repaired.). However, I was told on Oct. 18, 2009 that they needed proof of my self - employement earnings and expenses ASAP and that this information could not wait. I paid my accountant to help me expedite what Citimortgage needed "right away" in October only to receive another phone call last night (Dec. 20, 2009) stating that they needed more information that had nothing to do with my present employment situation. They had "misread" my file and case again, and that it would not be longer than a week for me to know if I would be "approved" or "not approved". I didn't lose my temper but went into a bit of tears of frustration again and told "John" that I needed to know what was going on before the end of this month and that I couldn't take anymore of Citimortgage's incompetence of not doing what they have been promising to do from their side. "John" told me that I had "his word" that he would get right on top of it and ask the underwriters to please look at their mistake in not seeing the 9 pages of documents that were drawn up from my CPA that were in my file from Oct. 18 and that this is Citimortgage's fault in this "oversight". How could this be an oversight? "John" also asked me to please understand that they had tons of loans to process and that errors can occur. Now, it is to the point that their countless errors of my over 100 calls of holding from departments from Maryland, California, Texas, Missouri, and there are a few other states and time zones that I haven't mentioned because I don't have my "War and Peace" documentation about my dealings with Citimortgage in front of me as I am writing this. I will make my third payment to Citimortgage in this "trial period" and if I am denied, I read on the consumeraffairs.com complaints from other Citimortgage consumers that legal action works against Citimortgage along with reading about a person who wrote to one of their senators in their states in their horror of dealing with Citimortgage. I am calmed down now at this point and will write the senators and legislatures in Florida, our governor, and I will send a letter to President Obama about this also. This is what seems to work, in my opinion, because like you and countless others who are dealing with Citimortgage, we aren't getting processed and they don't care. I don't read or hear of people getting help with their mortgages from this company. People are losing more homes and are sending in information to Citimortgage, but they aren't doing their part in processing it correctly, and again, they don't care! This company received one of the largest "bailouts" to help us and they rudely deal with us, put us on hold, give us wrong answers and then get our hopes regenerated only to find out that the information we fax, scan, email and directly mail ends up lost or not added to our files and / or the information is "overlooked" or "misread incorrectly". Citimortgage is not abiding by a direct order of President Obama in helping us. I'm not even beyond suing them for all of the emotional and psychological mistreatment they have done to me in addition to owing me a great sum of money for large cell phone hours with them and ruining my credit. Fight these ###s who are taking our money again after being "bailed out". I would like to hear from any success stories that anyone has had from fighting this monster of a company. Rebecca from Orlando, Florida U.S.A.

Thank you! I will contact all of the above and my legislators in Florida!

Rebecca

Thank you what a great list of contacts!

They are the biggest thieves that I have ever come across

THIS COMPANY is without measure. I've never felt so abused in my life.
I have the same exact problem. My insurance is 3 x's the value of my loan. The problem I had...Original loan papers only required me to insure the value of the loan...but after winding up at Citi after the loan being sold on two previous occasions, they demanded the full amount allowed by FLood Insurance program or the value of the home.
This was and is not located on my loan papers...HOW DOES THIS HAPPEN TO HONEST CITIZENS who pay their mortgages? BECAUSE OUR LOANS ARE OWNED BY THE FEDERAL GOVERNMENT...FREDY/FANNY

All of these Citimortgage HAM complaints are legit! I have been dealing with Citimortgage since the program began last year (over a year) and still have not been accepted. Just recently, they said that I was $5.00 over the limit and didn't qualify. After I got layed off from work and started to receive unemployment. ... they said that I still didn't qualify.

Citimortgage is so dishonest to work with... I will not get another mortgage with them in the future!

i sympathize with all of posts. I began the ham (home assistance modification program) in May 09. After sending in every document, paying every bill, and calling repeatedly, I got absolutely nowhere. In fact, I ended up worse off than when i began the process.

When I started, I was current on my payments. I had taken in a roommate to make ends meet. I had good credit and a tiny bit of savings in my account. Still, my job cut my pay and I had a super bad loan (10 years interest only @ nearly 7% interest rate).

On March 15, I checked my account online. A message read "Your account is in the final stages of review. We expect to approve your modification in three business days." I phoned on March 19th and discover that my modification had been denied.

The denial was rough enough. But, on top of that, I now 0we $20k for the reduced payments that I made while on the trial period, my credit score dropped more than 50 points and I have NO recourse. Plus, since I am still behind on payments and now have bad credit I can't even b e considered for a refinance with another company.

On top of all of this, the Citimortgage rep that I spoke with recommended that I put my home on the market as a short sale.

DO NOT DO THIS PROGRAM!

I have just received at least the fourth request to send documents to CitiMorgage. They are also asking for documents that do not even exist center as the tax records for 2009. I have tried to call there on several occasions and there is no answer. I also received a letter from CitiMorgage not the ham program, saying that I was in forbearance in foreclosure was eminent. I have made my monthly payments timely and I have done it a electronic flight so there is a document trail showing that. When I called them and they said all year in the modification program just disregard the letter there sent out by computers. I don't know who to call about this horrendous mess or whom to write. I don't know if the congresspeople or the secretary in Washington would do any good. I am just so frustrated and ticked off that consumers are getting shafted this way. If I was on Wall Street I could get a bonus for this ignorant behavior.

My husband lost his job 10-08 due to the economy. We were not late on our mortgage or any of our bills. We were being proactive in March 2009 when we applied for our Mortgage Modification. It has been a nightmare. I just got off the phone with them, after sendin documents by fax and mail six times, they are requesting them again! Our credit which was excellent has taken a dive even though we were assured in the beginning that our credit would not be effected. I am not sure what to do that this point. I know people that don't care about their credit that now has better credit scores than us. I am so upset.

I can't even begin to say how frustrated I am. I have been in this process since February 2009! 2 programs...of course after I completed the first one they said this one is no longer active I had to start another one! I completed the second program in November '09 and finally receive my final modification letter today (1/13/10). And guess what they did for us! Our mortgage has been reduced by $227 per month and my principle balance is now $9100 more than when I started. I have 5 late payments on my credit report and the mortgage is still more than we can afford. I have done everything I was suppose to. Sent in documents multiple times, made every payment on time and it has gotten us nowhere but further in debt. I have no idea what to do now. Maybe if I would have done what people who don't give a crap do and just not pay my mortgage, save my money, live in my house for free and wait for them to kick me out We'd be better off now! Thanks!

this is true .i provided citimortgage with all documentation 4 times certified mail and faxed -i kept track of it and they still say they never got it and sent me a letter stating help would be canceled under the hamp program if they did not receive, -i wrote my senator, congressman, attorney general and made complaints citimortgage.i kept the pressue on till i was too weak mentally to continue-these people are ###! i believe they do not want to participate in this it is costing them billions.there customer service (before their dropped calls, mistatements, and lies w/names ), were all carefully documented -i have a file of over 200 pages since my ordeal started-not until you hound the ### out of them -call them on their own mistakes, record and document everything do you even have less than half a chance to get loan mod completed that you qualify by law.everyone keep the pressure on complaincomplain complain to every government entity-most of complaints can be done on line.

I have been trying to get a modification since March 09. When working with them on my own they turned me down said I didn't have enough income. I got a HUD Counselor and 2 weeks after he contacted them I got my trial packet. It said pay this amount for 3 months then you are approved, well it's 6 months now and I get excuse after excuse. In November they said I don't have enough income, I corrected that, then they said they found something in my credit report, I confronted them on this and they said it was probably an error but the real reason is I need 9 months left on my unemployment, and they stated they want me to pay back all the money for the last 6 months ( the difference between the new and the old mortgage) but the letter they sent that said I was in default demanding payment did not even deduct what I had paid over the last 6 months.

This week 12/14/2009 when I called to get an update THEY HUNG UP ON ME TOO?

its been a year now that I have been calling and trying programs for re modifiying my current home loan. I had the same experience. I complete the forms necessary as instructed, mail, fax and get no response until I hunt them down for an answer. Then the same thing happens, they say they need time to get back to me, are not clear if they received the paper work when I ask for a confirmation, months later get a denial letter. I wnet thru just about every program they rolled out, spoke with every tema they have, called all numbers and departments. I leanrned they pocketed all of our current and future tax dollars, the gov. loans or bailouts where not to help us, the primary home owner, and will only entend the help if your request is presented or represented legaly. This is done to retain the highest of the dollars and dispurse the least amount they can in order to stay afloat. I think the media should take my phone recordings and throw it back in their face for what they are doing to hard working and struggling american fathers like me and every other family or home owner out there going thru what they call hardship. I spoke with the HAT team for the HAM program, loss and litigation team, was assigned a councler without an extension, got the name Don Alexander but good luck getting in touch with the wiZard of Oz. I have sent in applications twice for hardship, given my hud for all the new tools as they roll them out for a over the phone approval, and get denied every request. They seem to find a excuse from any angle they can. I am up to 100+ pages of notes now, sent them everything but blood samples and sick to my sould as to what they are getting away with. The classic move & I know anyone who experiences this is going to get a chill down there back when I say this is "WAITING ON HOLD AFTER THE PHONE BLENDER & THEN THEY HANG UP ON YOU", THEM CALLING YOUR HOUSE TO SPEAK WITH YOU & HANGING UP ON YOU WHEN YOU ASK IF THEY CAN UPDATE YOU WITH YOUR CASE.

in my situation, citibank allso told me I would get half of the 13000.00 + thousand. I sent in along with the indorsed check the estimates and paper work that I down loaded from there site. Now they want estimates on material cost to put my house back together, the cost to cleanup the storm damage.they were not interested in, this will need to be paid before I order any parts to fix my home.I will get them there estimates, but I need the check written out to me, not the bidder, I am quite capable of doing the work myself. would like to know if anyone ever got all of there money.looks like a lawyer to me.

EVERY YEAR I HAVE BEEN RECIVING MY ESCROW CHECK TO PAY MY TAXES AT THE BEGINNING OF DECEMBER. I CHECKED TODAY AND WAS TOLD IT WOULD BE MAILED OUT TODAY. I CHECKED LATER IN THE DAY AND NOTICED NO ACTIVITY ON MY ACCOUNT. WHEN I CALL UP I'M NOW TALKING TO SOMEONE IN ANOTHER COUNTRY AND I CANT GET A REASONABLE ANSWER AS TO WHY I DONT HAVE MY ESCROW CHECK TO PAY MY TAXES. I HAVE ALWAYS HAD EXCELLENT SERVICE FROM CITIMORTGAGE, BUT THIS IS NOT VERY GOOD AT ALL. THERE WAS NO NOTICE THAT THE CHECKS WERE COMING AT A LATER DATE. NO EXPLANATION ON THE WEBSITE OR ON MY ACCOUNT ON THE WEBSITE. YOUR CUSTOMERS DESERVE BETTER THAN THIS. I EXPECT BETTER THAN THIS. I DOUBT IF ANYONE WILL LET THE PUBLIC KNOW WHAT IS GOING ON, BUT IT WOULD BE NICE IF SOMONE WOULD LOOK INTO THIS. THANK YOU.

Same just happened to us! We received a letter they are without notice canceling our biweekly plan! No refund ( yes we were stupid enough to pay a fee for to start up the biweekly plan!) I hate citimortgage and so do all the realtors I have spoke with . We called to ask why they cancelled the plan to an agent who I can hardly understand since she had issues speaking English! We asked for a refund to be told someone will get back to us! Yea right! When pigs fly!

Same here. After 6 years they cancelled my plan with no refund. When I asked when they were sending my refund back the woman, that maybe spoke English as her third language, once she understood me, asked if my contract said they would refund it if they cancelled it. I told her I didn't know but it did say they would provide a service they were no longer going to provide. So mad i could spit.

FNC insurance ageny contacted me through Citibank mortgage to enroll in biweekly payments. Wanting to pay my mortgage down quicker, i enrolled and paid a hefty enrollment fee. Two years later I am now being cancelled with no refund of my enrollment fee.
Thanks FNC insurnace Agency (citibank subsidiary)

My mortgage lender is B of A and I'm going through a similar issue. Two years ago I refi'ed my home and at the time they offered me a Bi- weekly program with a one time fee. I paid the extra month in mortgage and I think a fee of 400 dollars. From time to time I called and checked to make sure this program was working. It sure was until last week I received a Payment Enrollment Form from B of A. I called the Rep at B of A and He tells me I have to re-enroll in the plan and pay an addition month mortgage with a $5 bi weekly fee. But why do I have to do this when I already paid the upfront fees over 2 years ago? He replied I never was on the Advanced Payment Plan. I was on a plan designed for people who could not afford their mortgage. Um, so maybe this is an error. So what happened to the extra mortgage I paid? REP: What extra months mortgage? What happened to the interest I saved by being on the program? Rep: What saved interest? What Advanced Payment Program? Sir, The program never existed! But if you would like to sign up for the program I can help you with that. All you need to do is pay Octobers mortgage now(sep. 1) and $4.90 in additional fees bi weekly. Me: Wait a sec. why would I do that again when I already did this two years ago? Wait a minute; earlier you said the program does not exist! Rep: Sir, there is no advanced Payment program. Me: [Click], [Click], [Click], [Click], [Click] - repeat! Now my head hurts so bad.

You should have never paid anyone to do a bi-weekly mortgage payment. You can do this yourself. You could have sent as little as $50 per month extra principal and reduced your mortgage yourself, with no out of pocket cost. When ever I see bi-weekly mortgage programs, that you actually have to pay to set up I think, are there really people this stupid that would pay to do this? Yes, there still is.

YES THEY DO INCLUDE IMPOUND ACCOUNT -DO NOT LET THEM TRY TO MISLEAD -THESE INSTITUTIONS DO NOT WANT TO DO ANYTHING AS FAR AS MODIFICACTIONS INLESS THEIR FORCED TO-EVEN WHEN THERE FORCED TO THEY DRAG THERE FEE-I HAVE OVER 200PAGES OF DOCUMENTATION REGARDING A LOAM MODIFICATION -EVERY TIME I SPOKE WITH SOMEONE I GOT THEIR NAME AND FAX NUMBER AND AFTER THE CONVERSATION I SENT LETTERS IN SUMMIZING THE CONVERSATION-FIRST YOU NEED TO NOW THE FACTS OF THE OBAMA PLAN -SERVICERS OR HOLDERS OF YOUR MORTGAGE ARE REQUIRED TO GET YOU DOWN TO 31% DEBT TO INCOME THEN THEY GET INCENTIVES TO GET YOU TO 31% IF YOU STILL CANNOT RECEIVE THAT TARGET # AFTER INTREST RATE REDUCTION THEY NEED TO LOOK TO EXTENDING TERMS OF THELOAN-PRINCIPLE FORGIVNESS IS NOT MANDATORY BUT IF ONE NEEDS IT PUSH FOR IT.IF ONE ENCOUNTER PROBLEMS FILE A COMPLAINT ONLINE WITH ATHE ATTORNEY GENERAL OF THAT STATE AND THE OCC GOOD LUCK

I refinaced with Citi Mortage and took out money from the equity of my house. They took out money to pay of my propertry taxes up to the end of 2009. Then proceeded to charge me again for those taxes so I was double charged for the taxes. Trying to get to talk to anyone at CiTi is almost impossible. When you do get a human, who is usualy in India they run around in circles because all they have in front of them is you account deatails. They cannot even pull up the original agreement. I recently refinaced with another comapany. And received my last escrow refund, I have no idea how their maths works but it does not add up.

Citi Mortage took my husband's home in foreclosure, he only had 7-8 more years on a 30 year loan.

Didn't try to help him get modification on loan

My husband and I bought a condo three years ago and the lender was Citi Mortage. To give a little background I worked full time as a therapist and my husband worked as an analyst during the day and worked towards his MBA in the evenings. Our sitution changed after the birth of our lovely daughter a year ago and I made the choice to be a stay at home mom. My husband got laid off and that begun our financial challenges. For a year we stuggled (unemployment and student loans) but paid our moratge, never missed a month. The ONLY problem was CITI MORTAGE was getting our payments three days later than their grace period and that was a problem for them. We started to incur late charges and at that point I called them to talk about our options. I asked them if it was possible to give us three days extra to make the payments. I told them how we struggled BUT Never missed a mortage payment. I told them about our infant, financial obligations and how we were living off student loans and unemployment. They did not Care. They told us our options were to continue paying late and CONTINUE to incur late fees OR they will give us a break BUT will have to report us to the credit Bureau & that would affect Negatively on our Ceredit ! So in other words continue to pay us late fees or we can help you at a cost.

NEVER EVER GO with CITI Mortage, Never Bank with CITIBANK. Its funny how the banks got a break from the Government but we the people get NO Breaks !

Well maybe your husband should have paid his bill or called them when the problem started? Why do you assume that the mortgage company is obligated to let you live in a house for free? The mortgage company isn't your daddy. Why didn't you try to sell? It takes a lot to get to foreclosure. If you can't pay, then don't take out the mortgage! Be responsible!

I've survived during a really horrible IT job market in Chicago as a divorced mom and have struggled to keep my home. The company where I worked went out of business a few months after I moved into my house. I changed careers, worked two jobs, and sold things to get money to pay my bill. I have no sympathy for people who whine "poor me" when they don't pay their bills!

I am not surprised. We had a medically forced, saved the home, bankruptcy. We paid it off several months early. Citi agreed to all the terms, but now won't even return my calls to get a correct pay off amount, have our mortgage insurance removed (over 80% paid off) or even explain the mystifying array of bizarre answers I get from their gate keepers. We were responsible and paid bills that were not even our own. We were responsible and paid off the resulting bankruptcy (after loosing our life savings), but being responsible isn't rewarded like walking away from one's debts.

We are having the same problem with citi mortgage.

Hey SOOOO maybe do you think you are the one who is wrong and falsely accusing a company of wronging you? If they were doing something not legit I would believe they would fix it. Seriously you should get a life.

Have you gotten any where? This sounds exactly like what we are going through! We have filed a complaint with the bbb & are looking at a lawsuit against them.

Letter to BBB:
On June 11, 2010, I initiated a mortgage refinance with Brad Hatmaker (tel: [protected]) of Citimortgage. He asked for my credit card number so that he could bill $425.50 for the appraisal of our home. On July 1, 2010, I cancelled my loan application with Citimortgage and personally called the appraiser to cancel his services. The appraiser assigned to me was Steve Rogers (tel:provided to BBB). On July 26, 2010, I left Mr. Hatmaker a voice mail requesting a status on the $425.50 for the appraisal that was never performed. He left me a voice mail on the same day saying "The Appraisal Fee, which is $370 is refundable to you, if it was not done, and that will be refunded to you automatically within 45 days of withdrawl of the loan, which I believe took place on the 2nd. Within 45 days you should see a refund of $370 for the appraisal that was not completed." and "What is not refundable on that $420.50 is going to be $55.50, which will cover the application fee, the flood certification and the credit
report." Although he did not previously disclose that $55.50 was for the application fee, flood cert (if performed) and credit check, I accept those as reasonable. However, Citimortgage has still not issued my $370 refund.

Discover Card took Citimortgage's word and refused to reverse the charges.

We no longer do business with Discover or Citimortgage!

We paid CitiMortgage - our current mortgage holder - an application fee of $640 for a refinance that we were told would take 30 days. As soon as we signed the papers and paid the fee the time frame suddenly went to 60 days. After 70 days of not hearing from them I began calling and no one would return my calls. I was told by the people on the 800 number that there was 'no acitvity' on the file for the last month but someone would call me back. Eventually someone did get back to me with a list of info they needed and I promptly sent it back to them. Then the loan processor suddenly stopped returning my emails. After several phone calls and 5 emails he replied that he was no longer handling the loan and again...someone would get back to me. Then I received a letter telling me to call CitiMortgage to set up the closing as everything was approved. When I called they again asked for the same information that I had already given them! I spoke to a supervisor who then gave me another loan processor who was handing the account. She assured me that they never received the information that I sent even though it was emailed and the original processor said he received it. She assured me that if I sent her the info requested she would put a 48 hour rush on the loan. Of course they were not able to get it done in 48 hours so after countless phone calls, emails and $640 we moved on to another lender who was able to close on the loan with no problems in less than 3 weeks.
I will NEVER EVER use CitiMortgage or any division of CitiBank for anything again.

I am having the same problem with CENLAR, which is actually Freddie Mac. They are refusing to release the money required to pay the contractor, which is a large company and requires money upfront...I can not start repairs without the money and they refuse to contact me...looking to get an attorney and file with the hopes of forcing them to pay not only the funds to repair the property but pay the lawyer fees for any legal action to recover insurance monies.

I have been with Citi for many years and have some insurances with them. My payments are made on time, but every month I receive a letter that certain policies are a month behind. I contacted the companies and they are said that the policies are up to date. I have call Citi and the are saying that the policies are behind. Back in 2005 I missed one month payment and the policies that I have now was not on the loan.

I am having the same trouble with Citimorgage right now.has been 1 month and promises and lost paper work & still no check & no repairs done, we all need help to stop them

It should be illegal what they are doing to homeowners - we had the same situation. On July 22, 2009, our kitchen flooded, damaging our wood floors. State Farm immediately issued us a check for the repairs (approximately $15, 000). Wells Fargo Bank has done everything in their power to hold on to our money as long as possible. We have had to pay most of everything out of our own pocket and haven't received a dime yet even though our job is 100% complete. Inspections keep getting mysteriously canceled, errors keep being made by the Bank, or they keep requiring additional documentation. It makes me wonder what would happen if we didn't have the money to do the repairs. How long would they hold on to our money then? And why should they have the power to determine what we put in our house and who we contract with for the job? They don't pay for the insurance, we do!

the federal goverment should require mortgage companies to release funds in a timeley manor. if tax dollars are used to keep them in buisness. as an insurance contractor i chose insurance claims that i will acept by who holds the mortgage, as i have had funds held for six to twelve months before they would pay me for a job that was 100 percent complete.as a small buisness man i can not support multi-million dollar companies out of my pocket.There is no bailout for my buisness if i go broke supporting others who mishandle theirs

over two yrs and payments $1901. Back in May, 2017, i had applied for modification to lower my payments, and supposedly it was approved and was told that my first payment was on July 1st for $1295 by Melinda Bennett, which now she is no longer with Citi & just to find out that the payments were 1901, higher than my actual payments. I got behind cause i was told to pay in July, 2017. After that my acct has being a mess. Between Mary J Bencon and Ramon A Goodman, i felt discriminated the way they treated me and spoke to me. They told me that if i can afford my house to sell it or give it back to the bank. I have worked so hard in this country and have a family for them to talk to me like that. If they do not know how to talk to people and give a good cust mer service, they are in the wrong place of work. I need those conversation to be escalated it and some one to call me so we can try to bring my account current. DUE TO CITIMORTGAGE MY ACCOUNT IS DELINQUENT

Mortgage with Citi for 10 years. Bank of America sent 3 auto mortgage payments in error, and Citi said they could not reverse the 2 overpayments. They did, then charged me $30 for NSF, and refused to waive the $30 "based on my payment history", which has ALWAYS been auto debited on the 1st of the month, and never late.

Citimortgage owns my mortgage. I have NEVER been late on a payment. I ALWAYS pay between the 1st and the 15th. Citi now calls me to tell me to pay before the 15th or I will incur a penalty.

Stop already. I know this and I pay on time EVERYTIME. Stop calling me and harassing me. Enough.

Citi Mortgage a.k.a ### Mortgage...it's damn near impossible to contact these ###s...There is no contact web address e-mail for them..or has anyone been able to find one?

People: ITS ALL BANKS! i lost my home of 35 years to the crooks of zions first national. My senario would read ditto of posts just different bank. OOOhhh zions accepted bail out money as well and the occ fined them 8 million for money laundering How sweet it is.

I have reached the end of my Rope with Citi Mortgage having had my mortage with them since 2006' and a customer in very good standing I honestly could kill the person or people that continue to call me YES 4 to 6 times a day, morning noon nite, while I am at work home driving I at first thought they had the wrong person NO they are simply harrassing me and in the state of california there are some prettty strick consumer protection laws How do we ban together in a class action law suit to fry these people. I am a very conservative business man and do not want the Govt in my life but what do I do seriously I am getting dangerous over the anger this continues to build If I could find another loan company and refinance I would do this tonite I cannot stand this company and the people that they have doing their work for them. Who is this CEO that one guy says he calls every day and screams at if anyone ouot there can offer me advice or help Please email me tonite ThrdPlcSrClydale@gmail.com

These stories bought me to tears. THIS IS STUPID! Why is Citi Mortgage and other banks allowed to take government money and misuse it, while we all suffer the raft of their greed and stupidity!

I was planning a move out of town so I put my home up for sale and it was on the market for months with no offers. At that time I was not behind on my mortgage. I found a renter moved in with my mom and moved out of state. The renter stopped paying my property manager "use the term loosely" stopped answering calls and basically screwed me. When it came to paying my rent where I currently lived and paying my mortgage my mortgage got paid but it was a little late. In the midst of it all I FINALLY got the deadbeats out of my home AFTER they stole checks that were sent to my old address and the police got involved. This was months later and at this point the house was empty. I could no longer pay everything so I fell behind in my mortgage payments. I contacted Citi repeatedly and left messages with EVERYONE but no one knew anything. I was transferred from department to department to department... it was ENDLESS and unproductive. I finally got a renter in the house and I was finally told I could do a modification then was put on a payment plan ... paying about 150 over my mortgage amount. I was told to make the extra payments for a few months sending by certified check then I'd get some paperwork giving me my final amount that I'd begin to pay. I NEVER heard from my "counselor" again. He never answered my calls and never returned my calls again. I've called over and over and over and over and OVER! Each time I've been told I haev to talk to a different person and I've called and left messages. Today I FINALLY hear from someone who tells me since I don't live in the house they can't modify my loan and I'm now 8 months behind because the payments I was sending in technically didn't count. If it wasn't so HORRIBLE it would be funny! LOL So basically the lady tells me ... my new payments will be $250 over what my normal payments were. However... if I put a couple thousand down... lol I told her she could STOP talking right then! She told me my only options were to pay what she said or do a Short Sale. This is just RIDICULOUS and at this point I don't give a d*mn anymore. My only concern is... I own my own home now (for what it's worth) the way the banks are holding onto the money they are supposed to be lending... I'm scared I won't be able to get another home loan in the future (couple years). However, this WHOLE process is just a massive headache...

Yeah, they have been working on my modification since march, I have given them the same information 4 times and they still call. They send things in the mail saying they can help but when I call they can't help, they have no intentions on helping. They got bailed out for bad loans, but they won't help the people with the bad loans. Now, they have given pay raises. Isn't that money supposed to go to help us?

Hello,
I am so upset, the way citmortgage has handled my loan, #[protected]-2. I have been working hard as a single mother with 2 daughters in college to pay my loan every month. This past May my taxes went up without my knowledge, who would have thought with most homes under water that there could actually be an increase. I travel for work and pay bills online, when I finally got the notice it came from UPS that my loan was in default. Wanting to lower my interest rate and get the PMI insurance off, I am not able to do this because it looks like I was late, when in actuality you were holding my payment of $1, 500. I always made more than than the actual payment, and not applying the money. Your staff of managers that take calls, a Chris #23339 extremely rude and insensitive to my issue. For the amount of $259.00 that was increased or owed I am no longer able to refinance. For those of us that sacrifice each month to pay our bills, it is companies like you that continue to gouge for every dollar.
My history will reflect that payments have always been made and never late until the tax increase. I am asking you and your company to please take this default or deragatory implication off my record so that I am able to refinance this loan.
I will send my letter to everyone, especially the television stations that want to say there is help for people that pay their bills.

I replaced a cunstomers roof due to storm damage. The home owners insurance paid to replace the entire roof approx. $15, 000.00.
The fhome owners insurance compny issued a 2 party check with his name and also Citimortgage's name. It took at least 3 weekd for the the mortgage company to send the check back to the home owner. Then the home gave me a 2 party check issued to him and in my company's name. I deposited the check on the 9th of the month and on the 14th the check was returned UNPAYABLE! It is now the 28th of the month and the check has been sent back kto my bank for the second time unpayable.

And the new excuse is that the insurance company's check is bad.

SHOW ME THE $$$$$$$$$$$